★ Thought for the Day – Where Does Money Come From? ★

67 - Daily Dependence - Where Does Money Come FromWe have all heard the question, whether in real life or see it in a movie, “Mommy/Daddy where do babies come from?”  Then comes an awkward silence and some stalling until either “the talk” is done or in other instances some other reason is told to avoid the conversation until they are older.  Today I want to explore “Where Does Money Come From?”  I saw this comic and it got my creative juices flowing!

67 - Dilbert - Where Does Money Come From

The age old question, if it takes money to make money then how do you get ahead?  But I think that this Dilbert comic nails it!  God is the answer and if we can grasp it, it will forever change our path in our career and financial peace!

Deuteronomy 8:18 (NASB) puts it all into perspective:

“But you shall remember the LORD your God, for it is He who is giving you power to make wealth…” 

Arguments abound over pride and self-reliance that what success has been achieved is a result of hard work and effort but I love how Deuteronomy cuts to the heart of the matter and sets things straight!  You would not be able to work hard, nor would you have the intelligence or ability if God did not first give it to you.  So you want to have success in your finances then you need to put God first!  Proverbs 3:9–10 (NIV1984) instructs us to,

 “Honor the LORD with your wealth, with the first fruits of all your crops; then your barns will be filled to overflowing, and your vats will brim over with new wine.” 

Don’t get hung up with the agricultural references of crops barns and vats…substitute those for paycheck and bank account.  One thing that I have noticed is that if I do not make my tithes (or 10% of my income) and offerings (above the tithe) a priority in my budget, there will always be something else that will eat up the money.  When it says “First Fruits” here, it means above all things, first and foremost, Honor the Lord with your wealth which He has provided for you.  So the principle is to bring to God the first 10% of what you earn before you pay all the other bills.

I saw a church sign with this message, “Give God what’s right not what’s left.”  

67 - Daily Dependence - Deuteronomy 8-18

I love that and when you overlay the truth of Deuteronomy 8:18, things come into focus a little better, don’t they?  God deserves our best, and to make Him, and the building of His kingdom first in our lives.  If we don’t make our tithe first on the budget that is exactly what will happen, God will get the leftovers, assuming of course there is anything.  Robert Morris said perfectly:
67 - Daily Dependence - Robert Morris
If you do place God first, His blessings will overflow and you will see a radical change in your finances!!

Now before this post gets derailed, I am not talking about “prosperity gospel” where you “give to get,” that is the farthest thing from the truth!!  God is not a vending machine!

67 - Daily Dependence - God is Not A Vending MachineIn His book, “God Is Not A Vending Machine,” Marvin Hinten makes this statement,

“The Pervasive influence of the vending economy has had spiritual repercussions.  While still referring to God as a person, Christians increasingly tend to treat Him as a vending machine.  If they pop in their coins of prayer, Bible study, and church attendance, […I don’t think Mr. Hinten would mind, I would add ‘paying your tithes’ as well,] He is expected to deliver “the goods;” Financial security, popularity and good health.”

If you pay your tithes, it should be because you love Him and want to please God in obeying this requirement. Something to realize is that God does not need our money, but He wants our hearts to be focused on the Kingdom of Heaven, not on stuff here on earth.  He knew that we would have an issue in this area which is why God made the requirement in the first place so that MONEY would not have a hold on OUR HEARTS.  The tithe or 10% of our income is actually the minimum required by God.  It’s comical to think that we own any of our income when you shine the light of Psalm 24:1 (NIV1984) on the issue,

“The earth is the Lord’s and everything in it, the world, and all who live in it.” 

Rather than gripping about “losing” 10% we should be happy that we get to keep 90%!  Malachi 3:10-12 (NIV1984) says it all,

“Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the LORD Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that you will not have room enough for it.  I will prevent pests from devouring your crops, and the vines in your fields will not cast their fruit,” says the LORD Almighty.  “Then all the nations will call you blessed, for yours will be a delightful land,” says the LORD Almighty.” 

I love this verse because it is the only place in the Bible that God challenges us to “Test” Him.  And if we pass the test he promises to throw open the floodgates of heaven (or other translations say the “windows of heaven”) and bless us so much that we will not have room enough to store it.  Now that is what I want.  He also promises to prevent pests or the enemy from devouring what we have and that is not just finances and possessions but our marriage, our children and our health.  So you see we really can’t afford not to give our tithe to the Lord.  I could do an entire post just on these three verses alone, so we are not going to go much deeper in terms of offerings or extravagant giving but just know, the closer you get to God, and the more you love God, the more you will want to give to the building of His kingdom!

I will close with this last quote from Robert Morris,

“Every time you get paid, are you going to believe that God’s Word works, that 90 percent with God’s blessing goes further than 100 percent without? We live in a cursed world, and what God wants to do is redeem our finances out from under the curse, but it takes our cooperation—to give Him the first 10 percent.”

So if you want to see a change in your finances, first change your heart and give your tithe with true appreciation of everything that God has given you.  Believe that 90% with God’s Blessing is far greater that 100% without!


If you are interested in learning more about managing your finances God’s way, check out this post called ★ Thought for the Day – Keeping Up With The Joneses? ★.

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★ Thought for the Day – Keeping up with the Joneses? ★ 

I am about to date myself…Do you remember the TV series “Home Improvement?”  It aired from 1991–1999 and was one of the most watched sitcoms in the American market, winning many awards.  Each week, I looked forward to seeing what mess Tim Taylor would get himself in to.  As the clumsy, uncoordinated TV show host of “Tool Time”, Tim Taylor (who was played by Tim Allen,) would get himself into hot water all the time, either with his wife, his kids or the flannel sporting co-host, Al Borland.  After each fight, Tim would find himself in the backyard looking over the fence for his neighbor Wilson to get some sage advice and wisdom.  And all the time, Tim would walk away with a new perspective on the circumstance.  Wouldn’t that be nice to be able to tidy up our mess in the span of 30 minutes?

As we delve into this Thought for the Day, I think many of the messes we find ourselves in, are actually a result of looking over the fence.  Unlike Tim Taylor, when we are looking over the fence at what other people possess, we can set ourselves up for trouble.  When I was in college, any class that I took that dealt with Marketing was always a favorite!  It continually amazes me how a slogan, TV commercial or catchy jingle can move people from not even being aware of a product, to absolutely having to have it…But consumers need to be aware and understand the power that marketing has on our buying decisions.  We need to be wise and avoid “Keeping up with the Joneses.”

68 - Daily Dependence -Keeping up with the Joneses

Let me ask you…Are you content with your life??  Or what I really want to know, are you content with what God is doing in your life?  Let that permeate your spirit for a moment and be honest with yourself.  If you answered no, then you are not alone, I have struggled with this myself so many times; not being content with the speed of paying off debt or building up of my savings or that the process is so hard.  This has led me to get so focused and consumed that at times I lose sight of my peace and joy.  I heard a great message from Dr. Tony Evans a while ago called “Reversing the Financial Curse”, he said:

"The greatest truth I can give you is that God is your source.  No man is my Source, on his best day, he is a resource.  Don't treat the resource like it's the source."
“The greatest truth I can give you is that God is your source.  No man is my Source, on his best day, he is a resource.  Don’t treat the resource like it’s the source.”

We all want to be financially stable and have some margin between us and life.  To be able to have more money at the end of the month than bills and to even be able to enjoy life a little but we need to learn contentment when things do not happen as quickly as we would wish.  Speaking from experience, I want to encourage you that as you are working on achieving Financial Peace, by building some cushion in your finances, a.k.a. an emergency fund, DO NOT let that become your “source” of security.  Remember that God is the source, and the emergency fund is just a resource.  It is important that we build an emergency fund, as financial expert Dave Ramsey teaches, but do not treat God as a resource to get a larger emergency fund…understand that HE is the source.  Trust in Him to be your provider and not on yourself, your bank account or your 401K.  To read more on this, check out a previous post called…★ Thought for the Day – Where Does Money Come From? ★

Charles Stanley’s “Handbook for Christian Living” has some about great insight about contentment and trusting in God’s Provisions.  He talked about Paul’s imprisonment and quoted Philippians 4:10-13:

“But I rejoiced in the Lord greatly, that now at last you have revived your concern for me; indeed, you were concerned before, but you lacked opportunity. Not that I speak from want, for I have learned to be content in whatever circumstances I am. I know how to get along with humble means, and I also know how to live in prosperity; in any and every circumstance I have learned the secret of being filled and going hungry, both of having abundance and suffering need. I can do all things through Him who strengthens me.”

Charles Stanley put it this way, that “Paul learned the secret of being content in and through circumstances. It wasn’t the secret of changing – or getting God to change – his circumstances.  Paul meant I can endure any circumstance without losing my peace and my joy because of the strength I gain through my relationship with Christ.”

According to Dr. Stanley there are 3 truths to have contentment:

  1. Contentment hinges on what’s happening inside us not around us. When we become discontented, the first two things we lose are our peace and joy.  But the bible teaches that peace and joy are fruits of the Spirit.  As long as our contentment can be destroyed by a change in our environment, we can never be content in any circumstance.
  1. Contentment is need, not want oriented.  God will meet our needs; He is going to take care of us.  Much of our discontentment stems from not getting what we want.  God has not promised to meet our wants but our needs.  He goes on to say, ask yourself this question: Is God meeting my needs?  If the answer is yes, stop and thank Him.  Don’t allow your emotions to attach themselves to your wants.
  1. Contentment is trusting God even when things seem out of control.  Discontentment on the other hand, is really a lack of faith in God’s love and concern for us.  Philippians 4:19 says “And my God will supply all your needs according to His riches in glory in Christ Jesus.”  When things around Paul fell apart, he kept trusting God.  And consequently Paul was content.

He went on to say, if you look at the flip side of contentment that is Dis-contentment. Discontentment clouds our decision-making process, making it almost impossible to wait.”  The emotions that accompany discontentment are so strong that they often override reason.  People in marketing understand this all too well. Just think about it, part of any effective advertising campaign is to make potential customers discontented with their existing product.  These feelings that accompany discontentment are enough to make people buy things they don’t need or can’t afford.  Dave Ramsey made this hysterical statement,

“We buy things we don’t need, with money we don’t have, to impress people we don’t like.” 

Keeping up with the Joneses is futile and can steal our peace and joy.  Dave Ramsey teaches in his Financial Peace University class that we need to develop the “power over purchase.”

“You can buy FUN but you cannot buy HAPPINESS.  Happiness is contentment where you are right now.”

I love that.  “Happiness is contentment where you are right now.”  And James MacDonald said,

“Contentment is a wall you build around your joy to protect it.”  

If we could grasp the truth behind these two quotes, we would be happier, and would have more peace and security.  Sometimes though, it’s not just about wanting as nice of a car as your neighbor, but rather, the fear or anxiety of keeping a roof above your head and food on the table.  Whenever I have seen Hebrews 13:5 quoted, it is always the second half of the verse (see the underlined portion below), but it is interesting to see the first part in context.

“Don’t love money; be satisfied with what you have.  For God has said,
I will never fail you.  I will never abandon you.’”  Hebrews 13:5

Context is everything!  Could God, through the inspiration of the Holy Spirit be trying to convey a spiritual truth that we can trust Him in our finances?  Most definitely yes!  When we love money and are NOT content with God’s provision, only trouble will result, replacing peace and joy with anxiety and fear.  Philippians 4:6 (NASB) says,

“Be anxious for nothing, but in everything by prayer and supplication with thanksgiving let your requests be made known to God.”

Steven Furtick made this profound statement about this verse…

“One of the reasons we’re so anxious about what’s coming, is because we’re not thankful enough for what we have.  And so Paul says if all you ever pray about is what you need but never stop and thank God for what you have, you’ll always be anxious.” 

Verse 7 of Philippians goes on to say,

“And the peace of God, which surpasses all comprehension, will guard your hearts and your minds in Christ Jesus.”

We all want the “peace of God” in verse 7 but to get that, we need to first go through verse 6, and be thankful for what God has provided for us.  It is all about having the right perspective with our priorities aligned with God’s.  Proverbs 30:7-9 (NLT) is one of my absolute favorite verses on this subject.

“O God, I beg two favors from you; let me have them before I die.  First, help me never to tell a lie.  Second, give me neither poverty nor riches! 

Give me just enough to satisfy my needs. For if I grow rich, I may deny you and say, “Who is the LORD?”  And if I am too poor, I may steal and thus insult God’s holy name.”

How different would our lives be if we embraced this wisdom?  Do you know who is the wisest human being that ever lived?  No, it is not our president or any other modern-day leader.  It is not Dr. Phil or Oprah or any other celebrity.  The wisest man who ever lived was King Solomon.  His Wisdom is described in 1 Kings 4:29-30 (NIV1984)

“God gave Solomon wisdom and very great insight, and a breadth of understanding as measureless as the sand on the seashore.  Solomon’s wisdom was greater than the wisdom of all the men of the East, and greater than all the wisdom of Egypt.”

So if the source of his Wisdom is from God, then he must have some good advice when it comes to contentment right?  Look at what the wisest man has to say Ecclesiastes 2:4-11 (NLT)

“I also tried to find meaning by building huge homes for myself and by planting beautiful vineyards…I built reservoirs to collect the water to irrigate my many flourishing groves. I bought slaves, both men and women…I also owned large herds and flocks, more than any of the kings who had lived in Jerusalem before me. I collected great sums of silver and gold, the treasure of many kings and provinces…I had everything a man could desire!  So I became greater than all who had lived in Jerusalem before me, and my wisdom never failed me.  Anything I wanted, I would take.  I denied myself no pleasure…But as I looked at everything I had worked so hard to accomplish, it was all so meaningless—like chasing the wind.  There was nothing really worthwhile anywhere.”

Wow!  That is an eye opener…Look at that underlined part…Solomon “had everything a man could desire!”  And in the end he concluded that accumulating possessions was “meaningless—like chasing the wind.”

And the reason being is what Howard Dayton said,

No amount of stuff is going to give you contentment or fulfillment.  Do you want to know what is the antidote is to discontentment?  Helping others!  Hebrews 13:16 (NLT)  says,

“And don’t forget to do good and to share with those in need. These are the sacrifices that please God.”

So the next time you are looking over the fence, look at how you can help your neighbor, instead of coveting their possessions, because God desires our priorities to be in alignment with His…It’s the people in the big houses that are important not what’s in it.  1 Timothy 6:6 gives us this promise,

“Godliness with contentment is great gain.”

As you move further along on the journey, keep these thoughts on the sticky side of your brain so that when the enemy rushes in with his lies, you can combat him with the truth which Proverbs 3:5-10 so perfectly reminds us…

“Trust in the LORD with all your heart and do not lean on your own understanding.

In all your ways acknowledge Him, and He will make your paths straight. Do not be wise in your own eyes; Fear the LORD and turn away from evil. It will be healing to your body and refreshment to your bones.

Honor the LORD from your wealth and from the first of all your produce; so your barns will be filled with plenty and your vats will overflow with new wine.”

Keep pressing on and looking up, to “THE ONE” who will help you reach Financial Peace!  God Bless!

If you are interested in learning more about managing your finances God’s way, check out this post called…★ Thought for the Day – Marriage & Money – Part 1 ★.

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★ Thought for the Day – Marriage & Money – Part 1 ★

70 - Daily Dependence - Marriage & Money - Part 1

When you made the decision to marry your spouse, what were your expectations about how the family finances were going to be handled?  Did you even have any?  Marriage and money go hand in hand.  When there is unity in handling money God’s way, it helps lead to unity in your marriage as well.  Whether you are a newlywed or married for 50 years, it is critical to learn what the Bible says about handling money God’s way and the importance of this in our marriages.

I am a firm believer that “the burnt hand teaches best.” Experience, especially the mistakes are the best teachers and my wife and I certainly have experienced our fair share in our relationship.  So over the next 3 posts we will delve into “Marriage & Money” and how the two relate to one another in our relationships.  My purpose is to share what God has placed on my heart and use bits and pieces of what we have learned to help you to avoid making the same mistakes in your Marriage and Finances.

What were your expectations about how the finances would be handled in your home??

  • Were you determined to be the one in control?
  • Or did you just bury your head in the sand?
  • Or did you even have any?

People’s views of money vary considerably from those who are “Spenders” to those who are “Savers”.  When you factor that in, along with all the differences between men and women, a mathematical explosion of possibilities for conflicts can result without even realizing it.  Most people have an idealized view of marriage which starts early on in childhood that has been so ingrained into our subconscious.  70 - Daily Dependence - DisneyThe picture has been painted in our minds of the woman as a princess and that one day her knight in shining armor will come.  Through the years Disney has contributed many different movie installments with this one central theme that ultimately ends with the tag line “and they lived happily ever after….”  When you think of the constant bombardment of unrealistic fantasies, it is no wonder that the wedding day is the quintessential moment that every little girl dreams of.  Months and months are spent planning a wedding, working on the invitations, searching for the dress, the rings, the music, the flowers, and working on all the intricate details.  But what is usually left out of the equation is what happens when the Honeymoon’s over (literally).  When you think about this, it is absolutely insane, planning for months for one day but giving little thought for the future.  Now I must confess, when we got married we were no different.  The simple truth is that when a man and woman decide to “tie the knot” they typically never talk about how the finances will be handled and when that happens it will not take long for money fights and arguments to begin.

  • In a radio interview, Crown Financial Ministries CEO, Chuck Bentley stated that: “40% of people are living beyond their means.”
  • “The wall street Journal reported that “70% of Americans are living paycheck to paycheck, one step away from bankruptcy!” and
  • According to a Markmen & Stanley Study, “The #1 cause of divorce in America is financial disagreements”

So the question is, if…

  • 4 out of 10 people are living beyond their means and
  • 7 out of 10 Americans are living paycheck to paycheck and the
  • #1 cause of divorce is financial disagreements or money fights…

How do we get to a place of unity in both our marriage and our finances?  Many people do not realize that Marriage and Money go hand in hand.  When you have unity together in how you handle your finances, you will have unity in your marriage.

Over these posts, we will be covering these 5 areas in regards to Marriage & Money:

  • God’s plan for Marriage
  • The differences between Men and Women
  • God’s plan for our Finances
  • The differences in people’s views of money
  • How the enemy uses all these differences to attack marriages

Now it will not necessary be in this order as I will not be so linear but we will weave and blend together these 5 major points.

God’s Plan for Marriage

So without further ado, let’s start from the beginning, in the first book of the bible, in Genesis chapter 2, after the Heavens and the Earth, and everything else was made, God formed Man out of dirt from the ground.  He planted a garden in Eden and placed the Man to work the ground and keep it in order.  But God saw the man and He said, “It is not good that man should be alone; I will make him a helper comparable to him,” (Genesis 2:18) and so God created the Woman to share life with the Man.  Verse 24 says:

  • “For this reason a man will leave his father and mother and be united to his wife, and they will become one flesh.”  Genesis 2:24 (NIV1984)   

THAT IS IT…that was God’s plan for Marriage.  For the Man and Woman to live in paradise united together who would have fellowship with Him.  What a simple and wonderful plan but the very next chapter of Genesis recounts how that perfect plan was ruined when the Serpent (AKA Satan) deceived the Woman to eat the forbidden fruit of the “Tree of Knowledge of Good and Evil”.  God had told Adam not to eat of the fruit or else he would die, so the serpent spoke to the Woman instead since she had not been created at that time.  In chapter 3, verse 6 it says:

70 - Daily Dependence - Genesis 3-6

I remember so clearly when I was at a bible study and heard a teaching on this verse and those underlined words just popped off the page…”Then she gave some to her husband, who was with her.”  I always thought that she was alone and that explained how it happened but the whole time that Satan and the Woman were having this discussion, Adam, “The Man” was standing right there and did nothing to protect his wife or stop what he knew was wrong and to make it worse he ate the fruit too!  And here is the key, don’t miss this, if we don’t work as a team, in unity we will fail in our marriages and our financesThough the timing in Genesis is unclear, the original plan for Marriage was created in Chapter 2 and destroyed by Chapter 3 as the Man and Woman fell into sin of Pride from the Serpent’s deception.  We need to understand that Satan is working in the background creating problems in our marriage, problems in our finances, and problems in our life.  Ephesians 6:12 (NIV1984) says,

  • “For our struggle is not against flesh and blood, but against the rulers, against the authorities, against the powers of this dark world and against the spiritual forces of evil in the heavenly realms.”  

We will delve into this throughout these series of posts but I do want to say one thing before we go any further, that the enemy of our soul is not behind every problem, there are many times that we create our own trouble by not trusting God and not following His principles.  Or not loving and respecting our spouse as we ought to or by making foolish financial decisions because of “wants” instead of be wise in making purchases of “needs” only.  Someone once said “God promised to meet our needs, not our greeds.”

But Ephesians is clear, there is a battle raging on that we need to be aware of.  Though it is not confirmed, Julius Caesar is credited with the concept of “Divide & Conquer” which is one of the greatest strategies in battle.  And that is exactly what Satan does as he attacks us in our marriages and finances by deceiving one of the spouses to doubt, to fear, to be distracted or to focus on the wrong things.  We are at war and if you do not know that then take a look at what it says just 9 verses later in Genesis, as God reprimanded the serpent, He cursed the serpent and said because you have done this,

70 - Daily Dependence - Genesis 3 - 14-15

Enmity is also translated as hostility but I love how The Message translation states it:

  • “I’m declaring war between you and the Woman”  Genesis 3:15 (MSG)

There it is, proof that we are in a battle against a real enemy, not a cartoon character with horns and a pitchfork.  Satan has many descriptions and names in the bible, he is called:

70 - Daily Dependence - The Names of Satan

Enough said??  Just like this list, Satan’s reign will come to an end.  Now I am spending extra time here, not to create fear but to underscore the importance of not idly going through life oblivious to Satan and his schemes.  The reality is that as a believer in Jesus, we already have the victory through Jesus’ death and resurrection, as it says in 1 John 4:4 (NASB):

  • “You are from God, little children, and have overcome them; because greater is He [Jesus] who is in you than he [Satan] who is in the world.”

I love how Pastor Jack Graham once said it, that “Satan is a defeated foe.” 

That is of course, when you have Jesus in you, you have the power to overcome the enemy.  There is power and victory through Jesus.  We can overcome the enemy’s attacks by calling on Jesus’ name not only for our marriages but finances too!   Jesus has a list of his own which is called The “I Am’s” of Christ:

Now I much prefer to mediate on this list for sure as there is power and victory through Jesus.

In the book of Matthew it recounts the story when some Pharisees came to Jesus, testing Him and asking, “Is it lawful for a man to divorce his wife for any reason at all?”  And Jesus quoted Genesis 2:24 in chapter 19 verse 5 and then continues the thought in Verse 6 of Matthew:

  • “So they are no longer two, but one flesh. What therefore God has joined together let no man separate.” Matthew 19:6 (NASB)

I love how Jesus answers their question so clearly and succinctly.  He has a great way of flipping things.  If a husband and wife are no longer two but one flesh then the answer is clear.  God’s intention for marriage was to be shared between one man and one woman forever…what God has joined together let no man separate.  But as we have been discussing, the enemy has other plans to strain and tear apart the unity of marriage.  Malachi 2:16 (MSG) says,

  • “I hate divorce,” says the God of Israel…”I hate the violent dismembering of the ‘one flesh’ of marriage.  So watch yourselves.  Don’t let your guard down.  Don’t cheat.” 

This verse is such a powerful statement from God which many people have misunderstood because they read that God hates divorce and make the jump that God hates them because of the divorce but that is a LIE OF THE ENEMY.  Look at it again, God said “I hate divorce,” NOT the “DIVORCEE.”  Divorce is real; many of you reading this post may have experienced one in your life whether it was your parents or yourself.  I know firsthand what that “dismembering” felt like, having experienced this at the age of 5 when my parents divorced.  That description is right on, it was a violent dismembering of the ‘one flesh’.  I have always related my parents divorce like a chess match where I was a pawn pinned between the King and Queen who were battling one another, using me to hurt the other.  Now I don’t mention this to condemn anyone but to show what God intended for marriage and what He thinks of Divorce.

In November of 2010, Time Magazine published a startling issue, entitled “Who Needs Marriage”.  Within the pages, findings from the nationwide survey of 2,691 Americans by the Pew Research Center were presented.  The survey was conducted with TIME magazine, and an analysis of the U.S. Census Bureau data.  They dug into the question…“Is Marriage Obsolete?”  70 - Daily Dependence - Time Magazine - Who Needs MarriageOver the past 50 years there has been a sharp decline in marriage and a rise of new family forms of people never getting married (but still having children) and people getting divorced or separated.  In 1960, 72% of American adults were married.  By 2008, that share had fallen to an all-time low of 52%.  The Pew Research survey found that nearly 4 in 10 Americans think marriage is becoming obsolete.  It is sad to think that this survey is now 5 years old, so I can only imagine where that number is now.  It is clear that the value of marriage has been greatly diminished and who do you think is behind that movement?  Satan of course!!

In 2009, Chuck Colson, Robert George, and Timothy George, with input from over 100 Christian leaders, authored the Manhattan Declaration stating a commitment to the principles of Human life, marriage, and religious freedom.  Here is an excerpt:

“Marriage is the original and most important institution for sustaining the health, education, and welfare of all.”  That is a powerful statement and I think we can all agree that the second part has plagued our world that ““Where marriage erodes, social pathologies rise,” (or deviation giving rise to social ills.)  

Part 2 of the “Marriage & Money” trilogy will delve into the Differences between Men and Women and what is the answer to bring unity in our Marriage.  Click here…★ Thought for the Day – Marriage & Money – Part 2 ★ to read the next installment.

 

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★ Thought for the Day – Marriage & Money – Part 2 ★

71 - Daily Dependence - Marriage & Money - Part 2

In Part 1 we looked at how people get married with no understanding of how the family finances are going to be handled and how that can cause problems in the marriage if not dealt with quickly.  We also reviewed God’s Plan for Marriage and how Satan has been attacking marriages and that the importance of marriage has been sharply declined over the past 50 years.  If you missed it just click here…★ Thought for the Day – Marriage & Money – Part 1 ★ to catch up.

Part 2 of our trilogy of posts will delve into how to have unity in our Marriage by discussing the Differences between Men and Women and how our enemy, Satan exploits those dissimilarities.  Tony Evans made this point…

71 - Daily Dependence - Tony Evans - Satan Wants The Family

Satan hates God and he hates us and thus comes at marriages with great ferocity that is why it is so important for us as Husband and Wife to be aware of the battle we are in and to try to understand who the person is that we have become one flesh with.  Jesus said in Mark 3:24-25 (NASB):

71 - Daily Dependence - Mark 3-24-25 - House DividedAnd Amos 3:3 (NKJV) says:

“Can two walk together, unless they are agreed?”

Amen?  Do you see that as being true?

Without agreement, it is impossible to move forward.  Men and Woman are different and with those differences can conflicts can arise.

Someone once said that:

  • “‎90% of the friction of daily life is caused by the wrong tone of voice.”  Unknown.

Instead of battling our spouse, we should see Marriage for what it is, a gift from God and a special covenant with each other.  If we could all grasp that simple concept to approach our mate with love and respect, then perhaps “‎90% of the friction could be eliminated.”  Colossians 3:18-19 (MSG) says


“Wives, understand and support your husbands by submitting to them in ways that honor the Master
[other translations say “the Lord”]. 

Husbands, go all out in love for your wives.  Don’t take advantage of them.”                                                                                      

Now you may have noticed that the verse in the image of Colossians 3:18-19 is reversed, but that is intentional to get the men seeing their role first because this verse has been taken advantage of by men who use it as a tactic to control their wife.  I love how the Message translation says before the word “submit” to “support” your husband.  God knew that Men needed help and He blessed us with the perfect companion.  In Genesis 2:18 (NKJV) God said “I will make him a helper comparable to him.”  Submission does not mean less than, our wives are comparable or equal to us.  God set the man as the head of the household but he knew that the man was going to need help, for all aspects of our lives including the finances.  We need to work as a team loving and respecting one another.

In Ephesians 5:24-25 (NIV1984) the Apostle Paul says it a little differently comparing our actions to that of Christ,

  • “Now as the church submits to Christ, so also wives should submit to their husbands in everything.  Husbands, love your wives, just as Christ loved the church and gave himself up for her…” 

The Greek translation for Love here is agape, which is a spiritual love, not sexual.  It is by definition a selfless and unconditional love that is not based on what the other person does for me but instead it is about sacrificing yourself for your spouse, just like Christ did.  When we submit and love each other as the Apostle Paul instructs, we are being sanctified and made ready to be the bride of Christ.  This of course is not what the enemy of our soul wants at all so he twists and distorts God’s Word to see submission as negative.  The reason for this is clear in James 4:7 (NIV1984),

  • “Submit yourselves, then, to God. Resist the devil, and he will flee from you.”

There is power when we submit to each other and especially to God.  Submitting or humbling ourselves eliminates the sin of pride, if we don’t then Satan wins and we lose, just like in the Garden.  Husbands we need to love our wives as we love ourselves just as Christ loved the church, which he laid down His life for.  And wives part of the submission is respecting and supporting your husband.  You know the old cliché that “it takes two to fight?”  Well it’s true.  The key is getting to the root problem of why we fight and try to understand the other spouse’s point of view.  In 2010, Author of the best-selling book “Men are from Mars, Women are from Venus”, John Gray released a follow-up book called: Venus on Fire, Mars on Ice: Hormonal Balance – the Key to Life, Love & Energy.  In the book he discusses that,

  • “The Difference between the sexes and how they relate to one another is biochemically based and can be found in our hormones.”

71 - Daily Dependence - John Gray - Difference in Sexes Found In Hormones

Gray talks about the unique ways that each gender deals with stress and how the stress hormones harm our health and complicate our ability to relate to one another.  What I found most interesting about the book was how polar opposite Men and Women really are.  The Hormones of Fire and Ice or Men and Women are Testosterone and Oxytocin. In the book, he explains when a man springs into action and solves a problem, he releases Testosterone to deal with stress and as he acts he feels competent and powerful but then soon after has to rest to rebuild his Testosterone levels.  A woman on the other hand needs to share herself 71 - Daily Dependence - John Gray - Hormones of Fire and Icein nurturing situations to release Oxytocin but then afterwards she needs to receive nurturing and understanding herself to rebuild her hormone levels.  The wisdom to understand here is that relaxing on the couch is crucial for a man because he is rebuilding a vital hormone to deal with stress.  Conversely getting nurturing support reduces the stress for a woman so Men, she needs to share her feelings and we need to be available because this is vital for her to be able to deal with stress.    That is where the analogy comes from that Men are on Ice because they need to shut down and go into their “cave” while Women are on Fire needing to communicate and receive love and support; to deprive either person of this only builds stress in them and ultimately in our relationship.

So why am I mentioning all this? Because the same hormones that help to alleviate stress are also the same hormones that connect us romantically.

These two critical hormones not only help us individually but also relationally.  Gray also cites in the book findings from the Researchers at the prestigious Schupps Clinic in San Diego, who concluded that:

  • Heart Disease is most often triggered by unresolved emotional issues like financial stress, Divorce, loneliness or an inability to effectively communicate with a child or Spouse.”

3 out of the 5 items cited in this finding are exactly what we are talking about.  When I read this statistic it was a huge red flag that “unresolved emotional issues” can cause Heart Disease.  We need to recognize the stressors and help not only ourselves but our spouses to deal with the stress.  The symbolism of “Men are from Mars” and “Women are from Venus”, two entirely different planets is great to make the distinctions between the sexes but God made us just the way we are and if we want unity in our marriages then we need to accept one another just how He made us.  Psalm 139:14 says:

Men and Women are different and that is a good thing, the question remains though “How do you achieve unity in your marriage?”  Well the answer may seem obvious but HE is often not engaged when problems arise, the answer is….”God!”

This is the key to everything in life.  It starts as individuals, (hopefully when we are young) and then continues into our marriages as adults.  Having God at the center of our hearts and our marriages will not only help us relate to one another but also in our finances.  Ecclesiastes 4:12 (NLT) says,

“A triple-braided cord is not easily broken.”  I did a little research on this and found that people have incorporated this scripture into their wedding ceremony by braiding three colored cords, Gold for God, Purple for the Groom and White for the Bride.  What a beautiful way to publically declare that God will be interwoven in your marriage.  With God is at the center of our marriages, Satan does not have a chance to break us up because when a Husband and Wife are bound together in Christ, they are stronger than as individuals themselves.  By keeping God at the center, His love will continue to bind the two of you together as one throughout your marriage and you will truly be “One Flesh” not knowing where you and end and where the other begins!

If you would like to read the next post that wraps up the “Marriage & Money” Trilogy, click here.  We delve into People’s View of Money vs. God’s View of Money to understand how to have unity in our Finances.

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★ Thought for the Day – Marriage & Money – Part 3 ★

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★★★ Attention single people!! ★★★

I know that the title of this is “Marriage & Money,” but whether you have never married, you’re divorced or widowed, every financial principle that we will outline in this post is directly applicable to you!
Please don’t skip what God would speak into your life through this.

Our trilogy of “Marriage & Money” posts comes to an end with the final installment that we will hopefully understand how to have unity in our Finances by looking into People’s View of Money vs. God’s View of Money.  It is also our 100th post as well!!

72 - Daily Dependence - 100th post

As a quick recap:

  • In Part 1, we discussed how not having a plan for how the family finances are going to be handled can cause problems in our marriage if not dealt with quickly.  We also reviewed God’s Plan for Marriage and how Satan attacks marriages.  If you missed it, just click here…★ Thought for the Day – Marriage & Money – Part 1 ★ to get caught up.
  • In Part 2, we discussed the Differences between Men and Women and how Satan exploits those dissimilarities to heap on the stress to cause a wedge in our relationship.  Most importantly, we unpacked how it is paramount to have God as the center of our marriage if we ever want to have unity.  If you missed it, just click here…★ Thought for the Day – Marriage & Money – Part 2 ★ to get caught up.

Now that we have talked about God’s plan for marriage and the enemy’s attacks, we are going switch gears and talk about People’s View of Money vs. God’s View of Money and how this plays into our marriages.  When you and your spouse tied the knot and married each other you became “One Flesh” right?  Well your finances should be unified as well and when they are not all kinds of strife and enmity results.  Financial expert Dave Ramsey said,

  • “In order to have a financially successful marriage, the money has to be ‘ours’…not ‘mine’ and ‘yours’.” 

We have focused a lot of time on marriage but that was to set the foundation for the financial side of things, because every thing that we talked about marriage also applies to money.  Remember they go hand in hand.  We are going to look at People’s view of money and Jesus’ famous Sermon on the Mount which outlines God’s view of Money.    For simplicity’s sake I will refer to it as “Man’s View of Money,” but obviously that goes for the women as well.

There are more than 2,350 verses in the Bible instructing us on how to handle money and possessions that God has placed in our care.  I have always found it ironic that on back of our money it says “IN GOD WE TRUST”.  That seems to be such a strange statement to be placed on our currency, especially in today’s culture of instant gratification and entitlement.  It seems that “IN DEBT WE TRUST” would be closer to the mark.  Earl Wilson said,

72 - Daily Dependence - Earl Wilson - In Love With DebtThat is a bold statement, but the simple fact is that we love our credit cards.  We are willing to go into tons of debt so that we can live in the best neighborhoods, we will work ourselves to the bone to drive nice cars and to have all kinds of nice things which ultimately leads to money problems if we are not careful.  Now let me be clear, there is nothing wrong having a nice house or cars or having lots of stuff, the key is acquiring these things by handling it God’s way and not trusting in debt.  Jesus taught that in Matthew 6:19 (NASB),

  • “Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal.” 

Storing up stuff here on Earth is going in the wrong direction.  Christian financial expert Larry Burkett said

  • “How we handle money is simply an outside indicator of our internal spiritual condition.” 

1.  The first view we are going to look at is Debt and Contentment:

72 - Daily Dependence - Debt & Contentment

The amazing thing is that as we are buying all the stuff on credit we never realize that we are willingly entering into bondage to the credit card company or the car finance department or the mortgage company.  I am no different from anyone else.  I grew up poor in a single parent home and once I got married I determined that I was never going to “do without.”  I am the natural spender in the marriage whereas, my wife grew up in a family that saved money so when we got married it was a challenge to say the least for her because she approached our finances as the “saver.”  Ultimately you need to have a little of both because spending everything you have is not good but neither is saving everything you make, you need to have a little fun, just have to find the right balance.  The key is to be a wise consumer and not try to keep up with the “Joneses.”  The question I have for you is…Are you content with what God is doing in your life?  I Timothy 6:6 (NKJV) says, “Now godliness with contentment is great gain.”  See that was my problem, I was not content with waiting to have what I wanted and as a result I brought a lot of pressure into our marriage.  In his book, the ABC’s of Financial Freedom, Barry Cameron said two incredible things in regards to debt,

72 - Daily Dependence - Barry Cameron - DebtHave you ever thought about what you could do for the kingdom of God if you were not buried under credit card debt or car payments or a mortgage that you really cannot afford?  You know when I read that quote about the devil and debt; I could not help but draw the parallel to Proverbs 22:7 about being the lender’s slave which is exactly what Satan wants.  Too often we cannot say no to what marketers are selling, think about it, part of any effective advertising campaign is to make potential customers discontented with their existing product.  These feelings that accompany discontentment are enough to make people buy things they don’t need or can’t afford.  And sometimes it doesn’t even need to be a big screen TV or expensive purse it could just be eating out too much.  I love what Dave Ramsey says about debt,

  • “Debt is not the problem, but a symptom.  Debt is a symptom of overspending and undersaving.”

Debt is just a symptom of a bigger problem that we cannot say no to stuff and Proverbs 17:18 (MSG) puts a fine point on it,

  • “It’s stupid to try to get something for nothing, or run up huge bills you can never pay.” 

So how do we erase debt?  You have to choose to say no to what you want and focus on what you need.  You need to learn contentment.  Howard Dayton, from Crown Financial Ministries said:

  • “If you cannot be content with what you have, you will never be content with what you want.” 

How many times have we seen this play out with celebrities who are on top of the world and are still not happy?  The Apostle Paul knew about contentment and trusting in God’s Provisions.  When he was in prison he wrote in Philippians 4:13 and 19 (NASB) about God’s Provisions,

  • “I can do all things through Him who strengthens me.” 
  • “And my God will supply all your needs according to His riches in glory in Christ Jesus.” 

If you look closely verse 19 says “all your needs” will be supplied.  Discontentment ignores the provisions of our needs and focuses on what we do not have and conversely on what we want.  We need to get to a place where our circumstances do not dictate whether we have joy or peace.

2.  The second view we will look at is a hot button issue and that is Tithing.

72 - Daily Dependence - TithingWhen you look at all of these comments under “Man’s View,” I have thought at one time or another.  Growing up and into adulthood, I have seen a lot of hypocrisy in the church on how they handled the money and how they would badger the congregants to give more and more.  These experiences happened in different denominations so I know that it is not based on church affiliation but on the human heart.  The simple fact is that Man will always let you down but the key is not lumping God in the same category as a church or pastor that misrepresented Him by their actions.  Jesus said in Matthew 6:20 (NASB),

  • “But store up for yourselves treasures in heaven, where neither moth nor rust destroys, and where thieves do not break in or steal;”

God does not need our money but He wants our hearts to be focused on the Kingdom of Heaven, not on stuff here on earth.  He knew that we would have an issue in this area which is why God made the requirement in the first place so that MONEY would not have a hold on OUR HEARTS.  The tithe or 10% of our income is actually the minimum required by God.  It’s comical to think that we own any of our income when you shine the light of Psalm 24:1 (NIV1984) on the issue,

  • “The earth is the Lord’s and everything in it, the world, and all who live in it.” 

Rather than gripping about “loosing” 10% we should be happy that we get to keep 90%!  Malachi 3:10-12 (NIV1984) says it all,

  • “Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the LORD Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that you will not have room enough for it.  I will prevent pests from devouring your crops, and the vines in your fields will not cast their fruit,” says the LORD Almighty.  “Then all the nations will call you blessed, for yours will be a delightful land,” says the LORD Almighty.” 

I love this verse because it is the only place in the Bible that God challenges us to “Test” Him.  And if we pass the test he promises to throw open the floodgates of heaven (or other translations say the “windows of heaven”) and bless us so much that we will not have room enough to store it.  Now that is what I want.  He also promises to prevent pests or the enemy from devouring what we have and that is not just finances and possessions but our marriage, our children and our health.  So you see we really can’t afford not to give our tithe to the Lord.  Proverbs 3:9–10 (NIV1984) instructs us to,

  • “Honor the LORD with your wealth, with the first fruits of all your crops; then your barns will be filled to overflowing, and your vats will brim over with new wine.” 

One thing that I have noticed is that if I do not make my tithes and offerings a priority there will always be something else that will eat up the money.  When it says “First Fruits” here it means above all things, first and foremost, Honor the Lord with your wealth which He has provided for you.  Pastor Robert Morris said perfectly:

  • “It doesn’t take faith to pay all your bills and THEN give to God. Put the kingdom of God FIRST … and see what happens to your provision!” 

If you do that the blessings will overflow!!  If you are not already tithing, I urge you to start and I promise you will never regret giving the Lord.  In Luke 6:38 (NIV1984), Jesus said,

  • “Give, and it will be given to you. A good measure, pressed down, shaken together and running over, will be poured into your lap. For with the measure you use, it will be measured to you.” 

Your level of giving will be measured against you on what you receive.  My absolute favorite question is…”Is the tithe based on the gross or the net”?  I have asked this question myself and the best answer I have ever heard was, “What do you want to be blessed on??”  You see it is all about the motive and the heart of the giver and how much you trust God.  Rick Warren said,

  • “God’s BLESSING on you is always in proportion to your DEPENDENCE on Him.  Great anointing is the fruit of great trusting.” 

2 Corinthians 9:7 (NIV1984) says,

  • “Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.” 

If you heart is not in the right place, you will not please God with you giving, you can read about Cain’s unacceptable offering in Genesis chapter 4.  We don’t have time to go through the story but the very first murder resulted over tithing when Cain killed his brother Abel because God found his offering acceptable and not Cain’s.  God knew what hold money and possessions would have on our hearts and that is why so much teaching in the Bible deals with this.

3.  Stewardship is the next view we will look at. Merriam-Webster dictionary defines it as:

  • the office, duties, and obligations of a steward – I always love how they define a word with the same word, I thought that was not allowed. A Steward (is defined as a fiscal agent or manager). 
  • the conducting, supervising, or managing of something; especially: the careful and responsible management of something entrusted to one’s care.

So when we talk about Biblical Stewardship, we are talking about management of money and resources for God.  This however is not the conventional wisdom of this age.  So let’s take a look at the different views that exist…

72 - Daily Dependence - Stewardship

We need to understand that it is not our money.  God is the owner and we are His managers entrusted with His affairs and His possessions.  So if Jesus spoke so much on the topic, don’t you think it may be important for us to understand what we are expected to do as managers of the resources God allows to come into our hands?  I love how Robert Morris makes the point,

  • “Many believers aren’t aware of this, but EVERY time you get paid, you are facing a test.”

The test is, whether we can be trusted to be a good manager.  Luke 16:10-11 (NIV1984) says,

  • “Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much.  So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches?”

So then how do we handle money as faithful managers?  I will give you a hint, it is the B-word of finances….You guess it the “Dreaded Budget”.  Yes we have finally gotten to the point of the class that you have all been dying to get to.  The budget is the absolute key to winning at money.  John Maxwell said,

  • “A budget is telling your money where to go instead of wondering where it went.”  

Dave Ramsey suggests using a “Zero-Based Budget.”

  • The “Zero-Based Budget” approach which is where the Total Expenses = Total Income. Every dollar is spent on paper before it is actually spent.  If done this way, when you work through every category on your budget sheet you should end up with a zero (no extra money left over or extra money spent). 

It always amazed us when the checking account was empty and we had no idea where the money went.  Though we did not spend large sums of money on expenses items, we were $20 and $50 ourselves to death.  One of my favorite quotes from Albert Einstein is:

  • “Insanity: doing the same thing over and over again and expecting different results.”

Trying to manage your finances without a budget, without a plan is the very definition of insanity because you will never know where the money went and in most cases you will end up with “more month” then there is money to go around and I don’t need to tell you what a breeding ground for conflict that causes.  The budget is paramount to reduce strife in your marriage and help control you to control your spending.  In his “Financial Peace University” class, Dave Ramsey said…

  • When you agree on your spending…
    • you are agreeing on your value system,
    • you are agreeing on your goals,
    • you are agreeing on your dreams,
    • you are even agreeing on your fears
    • the ‘Budget’ takes all the knots out of your marriage
    • and you will get oneness in your marriage and unity.”

And that is the whole point, right?  For is to have unity in both our marriage and finances!

4.  The number four view is Idolatry and Greed.

72 - Daily Dependence - Idolatry & Greed

Money and possessions cannot make you happy or fill the void, it cannot buy happiness.  Jesus furthers the point in Matthew 6:24 (NASB) when He said,

  • “No one can serve two masters; (the Message translates this as ‘two gods,’) for either he will hate the one and love the other, or he will be devoted to one and despise the other.  You cannot serve God and wealth.” 

Money can become an Idol and if we are not careful, it can replace God.  And no discussion on greed can be complete without us mentioning one of the most famous scriptures from 1 Timothy 6:10 (NLT),

  • “For the love of money is the root of all kinds of evil. And some people, craving money, have wandered from the true faith and pierced themselves with many sorrows.” 

This is one of the most famous and most misquoted verses.  Many people say “money is the root of all kinds of evil” but if you look carefully it says “for the love of money is the root of all kinds of evil.”  And that love of money can cause us to wander from the faith and cause many problems in our marriage and finances.  It is all about the heart and until you have that right, you will continually spin your wheels and never please God.

5.  Worry is number five.72 - Daily Dependence - Worry

In this day and age with unemployment rates at all time highs, there may be some reading this post that have lost their jobs due to no fault of their own so I want to be careful in how I pose this section contrasting Man’s view with God’s view.  But what Jesus is saying here is that we need to put out trust in Him and not be troubled but the nightly news headlines because He is in control.  We need to rely on God and God alone.  Take a look at this cartoon;

72 - Daily Dependence - The Bible is the Manual To Live ByI love the punch line from the man’s wife,

“Why don’t you stop wondering what is wrong with the world and just read the manual”.

The bible is the one and only manual that will point our lives in the right direction.  As we place our concerns in God’s capable hands, we find a quietness that only He can provide.  God gives peace to those who are quiet before Him as Psalm 46:10 (NKJV) reminds us

  • “Be still, and know that I am God; I will be exalted among the nations, I will be exalted in the earth!”

And Philippians 4:6 (NASB) says we are to,

  • “Be anxious for nothing, but in everything by prayer and supplication with thanksgiving let your requests be made known to God.” 

Boy that is a hard one for me sometimes but the longer I walk with God the more I realize when I just put in his hands (and leave it there), He will take care of my every need.  I am not the provider for my family, God is the provider.

6.  The final view we will look at tonight is Legacy.72 - Daily Dependence - Legacy

According to the U.S. Department of the Treasury, the National Debt has continued to increase an average of $2.34 billion per day since September 30, 2012.  As of 3-15-2015, the national debt is $1 8 , 1 6 0 , 6 6 6 , 5 5 2 , 0 3 1 . 6 8 !  That is staggering to think of all that we are passing onto future generations!!  I saw this comic, and though it is funny, it is also quite sobering!

72 - Daily Dependence - Mountain of Debt ComicBut Jesus made God’s view clear in Matthew 6:33 (NASB) which says,

“But seek first His kingdom and His righteousness, and all these things will be added to you.” 

God should be ahead of everything else, if we do, everything else will be added to us.  It should be a great concern of ours about the debt just continuing to grow with no thought of the future.

1 Timothy 5:8 (NASB) says,

  • “But if anyone does not provide for his own, and especially for those of his household, he has denied the faith and is worse than an unbeliever.”

If you are not thinking about the legacy you leave, you are considered to have “denied the faith” and are “worse than an unbeliever!”  To add to that thought, Proverbs 13:22 (NIV1984) says,

  • “A good man leaves an inheritance for his children’s children, but a sinner’s wealth is stored up for the righteous.

How much would people change their spending habits if they thought about providing for their “children’s children”….if they thought generational?  One of Dave Ramsey’s most famous quotes is,

72 - Daily Dependence - Dave Ramsey - Live Like No One Else

How we live now will greatly affect how we will live in the future.  So what’s next?  Well just like in any trilogy of books or movies, there is always “BONUS” material so click here for some Practical Application!!

Continue reading

★ Thought for the Day – Marriage & Money – “Bonus” ★

73 - Daily Dependence - Marriage & Money - Part 4

We hope you have enjoyed our first ever “trilogy of posts” as we delved into Marriage & Money and how they go hand in hand.  As a quick recap:

So what’s next?  How do we elevate our marriages to reach unity and oneness in our finances? Through…

73 - Daily Dependence - Prayer Word Worship Banner

Prayer

  • Prayer really works.  Someone once said, “Prayer should be our first response rather than our last resort.” 

Word

  • Get into the Word of God; find out what the bible says about marriage and money.  Don’t just stop at this class, dig in for yourself and continue to learn.

Worship

  • Get into the Word of God; find out what the bible says about marriage and money.  Don’t just stop at reading these posts, dig in for yourself and continue to learn.

The first step is always the hardest but Proverbs 16:3 gives us the direction,

73 - Daily Dependence - Prayer Word Worship

So if you want unity in your marriage and in your finances you need to get into the Presence of the Lord through these three areas.

Here is some Practical Application, common sense but good reminders….

 1.  Teamwork = Unity in Marriage. You are a team so you need to act like one!

  • Ephesians 4:2 (NIV1984) says, “Be completely humble and gentle; be patient, bearing with one another in love.”
  • James E. Hunton once said, “Coming together is a beginning. Keeping together is progress. Working together is success.”

 2.  Forgive One Another – No one is perfect and you are bound to make mistakes.

  • Ephesians 4:26-27 (NIV1984) warns us that, “In your anger do not sin”: Do not let the sun go down while you are still angry, 27 and do not give the devil a foothold.”
  • And follows up in verse 32, “Be kind and compassionate to one another, forgiving each other, just as in Christ God forgave you.” Ephesians 4:32 (NIV1984)

 3.  Think Before you Speak

  • Proverbs 16:24 (NLT) instructs us that, “A gentle answer deflects anger, but harsh words make tempers flare.”
  • And Proverbs 16:24 (NKJV) says, “Pleasant words are like a honeycomb, sweetness to the soul and health to the bones.”

 4.  Work on Budget Together = Unity in Finances will result

  • Proverbs 21:5 (NLT) says, “Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.” 
  • The Living Bible translates Proverbs 21:5 a little simpler, “Steady plodding brings prosperity.” 
  • If you have a plan, a budget and you work that plan consistently, God promises that you will be prospered.

5.  Learn, Learn, Learn

  • The late great motivational speaker, Zig Ziglar said that we need to “Commit to being a lifetime learner.”       
  • You can’t just read one book or attend one class; you need to continually learn in order to be successful in Marriage and Money.  I love what Dave Ramsey said about winning in your finances,
  • “Winning at money is 80% behavior and 20% head knowledge.”  Dave Ramsey, Total Money Makeover

I will close with my favorite quote from John Wooden:

_72 - Daily Dependence - John Wooden - Choices

 So now the choice is yours.  What will you do with this information?

  • Will you chose to trust God and put him in control of your life?
  • Will you chose to change your behavior in how you relate to your spouse and your finances?
  • Will you chose to start tithing?
  • Or will you chose to do nothing at all?

“In the end, the choice you make makes you.”  If you will commit to follow God’s principle’s for our Marriages and Finances than we will have unity in both.  Remember “Nothing changes if nothing changes.”

Keep an eye out, we will be starting a new segment called “Back to the Basics,” where we will be tapping into the fundamentals of Christianity, and getting back to the roots of our faith.  While you wait, you can read our very first blog post which is a great preamble to this segment, called ★ Thought for the Day – I Hate Religion and I’m a Christian… ★ that really captures what Daily Dependence are all about!!

★ Thought for the Day – Stay the Course…Part 2 ★

In part 1 called ★ Thought for the Day – Stay the Course ★ we discussed the importance of maintaining our integrity and persevering in our walk with God regardless of the physical temptations that we face daily. Today we are goign to delve into what it means to Stay the Course with our Finances.  If you look at the top of the webpage there is link called $ Building Your Money Muscle $ which is all about handling our finances God’s way.

79 - Daily Dependence - Building Your Money Muscle

This is a passion of mine that has been fueled by two sources: Robert Morris, senior pastor of Gateway Church and from Dave Ramsey and his Financial Peace University (FPU) Class. Between them I have grown in leaps and bounds in my understanding of what the bible has to say about money, possessions and the hold it can have on our hearts.  Robert Morris wrote an incredible book called “The Blessed Life” which really opened my eyes to a whole new viewpoint on finances!  It is a really easy read (and for me that is saying a lot…) that unlocked the secrets of living a blessed life both financially and spiritually.  Dave Ramsey’s FPU class is a practical, step-by-step class which teaches you and your family how to get out of debt, stay out of debt, and build wealth in a God honoring way.  This class revolutionized our lives and we still apply what we learned 7 years later!  If you are interested in taking the class, click the FPU Class Finder to locate one near you.

Okay, enough background on me, onto our Thought for the Day…In Matthew 6:19-21 (NLT) Jesus started off His teaching about Money and Possessions with this polarizing statement:

“Don’t store up treasures here on earth, where moths eat them and rust destroys them, and where thieves break in and steal. 

Store your treasures in heaven, where moths and rust cannot destroy, and thieves do not break in and steal.  Wherever your treasure is, there the desires of your heart will also be.”

“Store your treasure in heaven!”  This is a critical point to catch because if your singular focus is on gaining and maintaining wealth instead of what God is interested then your heart will always be divided.

I love what Robert Morris said in “The Blessed Life” book:

“When you get to heaven, will you look back on this earth and regret how much treasure you laid up here instead of sending it on ahead to heaven?” 

79 - Daily Dependence - Matthew 6-24Jesus continued in Matthew 6:24 that…

“No one can serve two masters.  Either you will hate one and love the other, or you will be devoted to one and despise the other.  You cannot serve both God and money.”

Handling your finances God’s way is more about getting your priorities straight then being able to balance a checkbook.  It is deciding in your heart that “no matter what God, I will serve you first and foremost!”

So how do we get to that place?  We need to go to the instruction manual…The Bible…and reading about what God’s Word has to say.  It is also about making changes in how you spend your money and not continuing to make poor financial decisions.  We need to learn from the past and make new choices that will benefit the future.  Dave Ramsey once said:

“My goal is for you to learn from my past stupidity not your future stupidity!”

79 - Daily Dependence - Dave Ramsey - Let My Hindsight Be Your ForesightOr another way of saying it is to…let my hindsight be your foresight.  Learn from others, whether from a mentor or pastor, a class like FPU or family and/or friends who have a biblical worldview on handling their finances.  Let other’s hindsight on their mistakes lead/guide you in a new direction, one which looks UP rather than INWARD.  Rick Warren made this great parallel:

“God’s BLESSING on you is always in proportion to your DEPENDENCE on Him.  Great anointing is the fruit of great trusting.” 

How much do you trust God to provide for your needs?  Now notice I did not say “wants,” I said “needs.”  That is a hard one for sure, one which I have to keep reminding myself on.  The Bible is full of truths about God’s faithfulness in this area…see Malachi 3:10-12 for just instance.  I could go on for hours on how I have seen this play out in my life!  Times when I tried to do it on my own strength and failed miserably…But then when I stopped, prayed and depended on Him, how God then opened the doors to opportunity and freedom!

The key is to stay the course.  “Stay the course” is a phrase used in the context of a war or battle meaning to pursue a goal regardless of any obstacles or criticism.  You may remember it used by Presidents George W. Bush, George H. W. Bush, and Ronald Reagan.  Don’t let the enemy or anyone knock you off this path to handling you finances God’s way.  The apostle Paul wrote in 1 Corinthians 16:9 that he was going to stay in Ephesus to do God’s will “because a great door for effective work has opened to me, and there are many who oppose me.”  Opposition will always come when we try to do the Lord’s work or to do things that honors God because it eliminates the enemy’s hold on you.  But I encourage you to press on through and stay the course because if you trust in God, He is faithful to work in and through whatever situation your poor decisions/choices have led you into!  But with that said you will need to make sacrifices.  One of the fundamental quotes from Dave Ramsey is:

“Winning at money is 80 percent behavior and 20 percent head knowledge.  Most of us know what to do, but we just don’t do it.”  
“Winning at money is 80 percent behavior and 20 percent head knowledge.  Most of us know what to do, but we just don’t do it.”

This is not rocket science, which is good because I’m not that smart.  It is simply saying no to the “wants,” and start going in a new direction…A direction with a new heart and new way of thinking.  There are so many promises from God that He will take care of our needs.  But we have to do our part as well.  It really boils down to behavior modification and not giving up!  I love this quote from Thomas Edison, he said:

“Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.” 

Could you imagine what the world would be like if Thomas Edison gave up!  Be strong and persevere.  The journey to getting out of debt and attaining Financial Peace will have setbacks and difficulties but I promise with God on your side and with a resolute “will” that you are not going to give up, you will reach the prize that we all want…true Financial Peace with God’s blessings!

On “A Minute with Maxwell,” the Word that John Maxwell spoke about was “Will.”  He said that:

“Will comes out of a passionate desire to accomplish something.  We often hear the expression ‘where there is a will there is a way’…that’s true.   Basically the WILL makes the WAY.”

Get that in your spirit, “The WILL makes the WAY.”  That could not be any more evident than in the life of Jim Ryun who ran the mile in 3:51.1 (that’s minutes not hours!)  Now that is an indomitable spirit, Jim Ryun once said:

“Motivation is what gets you started.  Habit is what keeps you going.” 

So are you going to form new habits and change your legacy and family tree, or are you going to keep running your finances into the red?  I will close this from Zig Ziglar.

"People often say that motivation doesn't last.  Neither does bathing, that's why we do it daily." 
“People often say that motivation doesn’t last.  Neither does bathing, that’s why we do it daily.”

Everyday you need to immerse yourself in God’s Word to get a fresh outlook on life, a clean slate and renewed mind for your walk with Him and the direction for your finances!

★★★ Stay the Course! ★★★ 

If you would like to delve into more, you can check out a previous post called ★ Thought for the Day – Keeping Up With The Joneses? ★

 

 

 

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★ Thought for the Day – The Pitfalls of Money ★

105 - Daily Dependence - Pitfalls of Money Banner

In t105 - Daily Dependence - Family Game Nighthe post, ★ Thought for the Day – Candy Land Christianity ★, we spent a lot of time talking about games and the importance of “Family Game Nights.”  Today’s Thought for the Day will build upon that and contrast the “Pitfalls of Money” with one of our family’s favorite games to play…Monopoly!  105 - Daily Dependence - Monopoly LogoMy prayer is that as we look at this classic board game and some of the mistakes we can make in our finances, God will move in your heart as you see what His Word has to say on the topic.  In the last post we did on finances called ★ Thought for the Day – Stay the Course…Part 2 ★ I shared that my passion for handling finances God’s has been fueled by Robert Morris, senior pastor of Gateway Church and from Dave Ramsey and his Financial Peace University (FPU) Class.  Between them, I have grown in leaps and bounds in my understanding of what the Bible has to say about money and possessions, and if we are not careful, the monopoly it can have on our hearts…pun intended.  Dictionary.com had this definition for:

Mo·nop·o·ly
[muh-nop-uh-lee]
Noun

  1. The exclusive possession or control of something.
  2. A board game in which a player attempts to gain a monopoly of real estate by advancing around the board and purchasing property, acquiring capital by collecting rent from other players whose pieces land on that property.

It’s interesting that the board game that our family loves to play made it in the very definition of the word.  As I went through our game cabinet I was shocked to see how many versions we have:

105 - Daily Dependence - Monopoly Editions

And most recently we purchased the Electronic Edition of Monopoly.  105 - Daily Dependence - Monopoly - Electronic BankingWe have made the most of the summer playing one version or another almost daily.  I think that it is one of the best board games because of the “real world” exposure that children get to learn that will equip them for life, if they’re paying attention that is.

105 - Daily Dependence - Cliff Notes on MonopolyFor those who have not played the game or haven’t played it in a while, I will give you a quick refresher.  Here are the cliff notes on the game.  Everyone starts off on “Go” with the same amount of money and no properties.  Players get to be the Banker, learning how to “make change” and give payments to others, (I am constantly amazed at how fast my youngest daughter can do the math on what is owed.)  They understand the value of “passing Go” a.k.a. getting paid a salary and how you need to wait to “earn” additional money by going around the board.  The biggest aspect of course is buying property and trying to get a monopoly (owning all real estate associated with that color); once accomplished Houses and Hotels can be purchased which is key to get more rent when an opponent lands on the space.  The realities of Paying Rent, Income Tax, landing on “Chance” and going to Jail are also experienced throughout the game which are great lessons as well.  And if you are unsuccessful, you could end up in Bankruptcy, thus forcing you out of the game which is an important experience to have that in life you will endure failure and losses.  The last player left in the game wins.

According to the official rules:

105 - Daily Dependence - The Games of Life“The object of the game is to become the wealthiest player,” which introduces our first pitfall to learn from…

105 - Daily Dependence - 1 Timothy 6-10 - The Love of MoneyGREED – The quest to be rich has brought many people pain.  1 Timothy 6:10 (NIV) warns

“For the love of money is a root of all kinds of evil.  Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.”

Now that does not say money is evil, but “the love of money is the root of all kinds of evil.”  Many have misunderstood that verse and had a skewed view of what the Bible says.  That last part is quite alarming to me that because of the misplaced love, people “have wandered from the faith and pierced themselves with many griefs.”  The Love of Money is a huge pitfall in life which left unchecked can result in leaving the path that God desires for us to pursue earthly riches.  

Our second pitfall is the cousin to Greed and that is…

105 - Daily Dependence - Pitfalls of Money - Discontentment

DISCONTENTMENT.  If there is one thing that the game of Monopoly breeds is discontentment but Hebrews 13:5 (NLT) offers an alternative with a promise:

“Don’t love money; be satisfied with what you have.  For God has said,

‘I will never fail you.
I will never abandon you.’

It all boils down to contentment and whether you can be satisfied with what God has provided.  This is an area that I struggle in myself.  Not so much because I need the latest and greatest gadget but more because I would like to see more traction or faster results in debt payment and the “emergency fund” growth.  How about you?  Are you content in what God has provided?  Many struggle in this area, striving tirelessly to acquire more and more which leads to excessive hours spent in the office and time away from home.  And just like we all compete to have the most monopolies and end the game with the most money, we need to be watchful in this area that discontentment does not grow in our hearts.  Proverbs 23:4-5 (NLT) gives this counsel…

“Don’t wear yourself out trying to get rich.
    Be wise enough to know when to quit.

In the blink of an eye wealth disappears,
    for it will sprout wings
    and fly away like an eagle.”

Two-thirds of the parables that Jesus taught about were on money and possessions, because GREED and DISCONTENTMENT can pitfalls for you and me if we are not careful.  Jesus taught about the stewardship or management of our finances not for personal gain but to be a blessing to others and that is through our …

105 - Daily Dependence - Giving

105 - Daily Dependence - 2 Corinthians 9-7 - Cheerful GiverGIVING!  2 Corinthians 9:7 (NIV) says:

“Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.”

Charles Stanley had this great life lesson on this verse:

“In giving, as in all areas of Christian living, God wants our hearts to respond to Him in obedience.  He wants willing, joyful, eager participation in His work, not grumbling or halfhearted compliance.”

It’s all about the heart.  Are you cheerful when the plate or basket comes around during the offering or do you begrudgingly put the money or check in?  In Luke 21:1-4 (ESV) it records how God views our giving…

“Jesus looked up and saw the rich putting their gifts into the offering box, and he saw a poor widow put in two small copper coins.  And He said, “Truly, I tell you, this poor widow has put in more than all of them.  For they all contributed out of their abundance, but she out of her poverty put in all she had to live on.””

It’s not about giving everything but the heart of the giver.  Do you give because you love God and want to see His Kingdom advanced here on Earth or out of compulsion?  There’s a big difference.  God does not need our money (see Psalms 24:1,) but He does want our heart to love what He loves and that is people!  The antidote to greed and discontentment is…

105 - Daily Dependence - GenerosityGENEROSITY!  Proverbs 11:24-25 (NLT) says…

“Give freely and become more wealthy;
    be stingy and lose everything.

The generous will prosper;
    those who refresh others will themselves be refreshed.”

This is not the normal thinking though is it?  “Give freely and become more wealthy?”  That makes no sense in the natural, but in God’s economy, “the generous will prosper!”  I have seen time and time again how God have blessed me when I was not tight-fisted with my money but rather when I stayed the course in my tithing and offerings I saw how God threw open the floodgates of heaven and provided for all my needs, (Malachi 3:10-12 and 2 Corinthians 9:10-11 for more.)  God promises to refresh those who refresh others.  The question presented before you today is…Will you allow money to be a pitfall or to be a blessing to others?

I will close with this final thought from Charles Stanley:

“God is not after our time, talents, or bank accounts.  He already owns the world and everything in it (Exodus 19:5).  His greatest desire is to have a personal and intimate relationship with you for all eternity.”

Today I pray you will be challenged to see you finances in a new light that will unlock a new level of faith and trust in God because “His greatest desire is to have a personal and intimate relationship with you for all eternity!”

If you are interested in reading more about how about the Biblical Worldview of Money (How our Finances and Possessions should be handled from God’s Perspective), check out other posts in our collection of posts called:

$ Building Your Money Muscle $

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