Category Archives: Money and Finances

Get Rich Quick

Proverbs 21:5.

“The thoughts of the diligent tend only to plenteousness; but of every one that is hasty only to want.” (KJV).
“Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.” (NLT).

What’s Wrong With That?

It’s amazing to me how many people chase after the latest get-rich quick schemes. “Make money fast from home and become a millionaire this year! Small investment, big return!” And don’t even get me started on lottery tickets: They are aptly named an “idiot tax.”

In the small town that I live in, we have a corner convenience store just down the street from my house, and it’s amazing to me that almost every time I walk in there, someone is buying a lottery ticket or scratch-and-win ticket, hoping to be the next big winner. What’s going on here? It seems we have created an entire culture that is devoted to trying to get something for nothing, to get rich without having to do any work for it. But some might be asking – is there really anything wrong with that? Well, that depends on whether or not you believe the Bible.

Poverty or Prosperity?

In today’s Scripture, Solomon tells us that we can choose plenteousness or want, prosperity or poverty. To reach each destination, there are two very different roads that lead there.

If you want to be prosperous, the road is called good planning and hard work. No shortcuts here! You need to be diligent. Get a job and work hard. And as Matthew Henry says, “The thoughts of the diligent are as necessary as the hand of the diligent. Forecast is as good as work.” It’s good to plan ahead if you want to prosper and do well financially! Plan a budget. Honour the Lord with your tithe. Be generous and give to the poor. All of these will help you succeed.

If you want to be poor, it’s a whole lot easier to get there. Don’t be diligent. Don’t get a job. Don’t work hard. Don’t plan ahead. Spend foolishly. Waste your money on things lottery tickets and other things you don’t really need. You’ll be poor before you know it!

Lord, help us as your people to make good plans and work hard, so you can bless us financially. Not just so we can be blessed, blessed, blessed, but we know you bless us so that we can be a blessing to others. To help the poor. To build the Kingdom of God. To make a difference in the lives of others. Help us to make wise choices with our finances, and be good stewards of all of our resources. In Jesus’ name, amen.


Think Before You Promise

Proverbs 20:25

“It is a snare to the man who devoureth that which is holy, and after vows to make enquiry.”
“It is a trap to dedicate something rashly and only later to consider one’s vows.” – NIV

Bad Deals

Have you ever made a bad deal? For instance, have you ever committed to an agreement thinking you were going to make a profit, only to find out later that you lost money? If you have been in that position, when did you figure out you were on the losing end of the deal?

Some people sign contracts and then once the job has begun try to renegotiate every little detail. Others will agree to do a project of some sort, agree on a price, but in the end haggle over the agreed amount. One person I know was promised a certain amount for a job, but then when it was completed, the person for which he worked decided to pay him less. He was told, “I have been thinking about what I promised, but now I don’t think the job was worth that much.”

Bad Vows

There are people who treat God the same way. The make promises, but then, when the real cost is figured, try to renegotiate.

For example, a businessman might say, “God, if you bless my investment, I will give you fifty percent of the profit.” He may even call a meeting with his staff and proclaim, “I am dedicating fifty percent of my business to the Lord!” But then, later that evening, he sits down and starts planning for the future and realizes he could have used that extra money. The next day he goes into the office and says, “You know, I think I promised God too much.”

Solomon says that we fall into a “trap” when we make rash vows or promises unto God. It is our responsibility to think about these things beforehand, not afterwards. Once we make a vow to God, we are wise to keep it.

“A man who makes a vow to the LORD or makes a pledge under oath must never break it. He must do exactly what he said he would do.” – Numbers 30:2 NLT


Using a Legacy

Proverbs 20:21 

An inheritance may be gotten hastily at the beginning; but the end thereof shall not be blessed.
An inheritance obtained too early in life is not a blessing in the end. (NLT)

Jesus taught about early inheritances in the Parable of Prodigal Son. Interestingly, in our society an inheritance is no longer guaranteed. People are living longer, and many are tempted by schemes that release equity in their properties to help them remain financially secure during retirement. This often means that there is very little left to pass down to the next generation.

We received a small inheritance of £1,000 back in 1983 when my grandmother died. It was very welcome and we used it to purchase items we desperately needed for our home, such as a washing machine (we were getting by with a handed down twenty-year old twin tub at the time). That £1,000 didn’t last long, but it was used wisely. We knew where it had gone.

IMG_4574When the end was in sight for my mother-in-law she changed her will to leave each of her grandchildren £5,000 (the sum had originally been £1,000). We asked her to state in her will that these sums should be invested and released on the marriage of each grandchild, or when they had reached twenty-five years of age. Mother-in-law felt that her grandchildren should receive their legacies at eighteen years of age. Two of our children, and our nephew and niece had already reached that milestone. Sadly, not all of the grandchildren used their inheritances wisely. Perhaps it would have been better if the money held been held in trust until they were older and wiser.

CIMG1917Receiving an inheritance when we are young in age or lacking in wisdom is not necessarily a good thing. To use an inheritance foolishly is also disrespectful to the memory of the person who left that inheritance. When I think back to my mother-in-law’s passing the real inheritance was visible in the village church where we held a service of thanksgiving for her life. This woman who had been tragically widowed in 1979 lived the next twenty-four years of her life actively serving others. When I stood at the front of the church to talk about her life I was amazed to see the church so full that people were standing in the aisles and in the entrance. What a legacy to have touched so many lives. What a witness to the presence of the Holy Spirit in my mother-in-law’s life. And what a challenge to follow the example she set by following the example provided 2,000 years ago by Jesus Christ.

Relevant Posts: Leaving a Legacy


Security Deposit

Proverbs 20:16

16 Take his garment that is surety for a stranger: and take a pledge of him for a strange woman.
16 Get security from someone who guarantees a stranger’s debt. Get a deposit if he does it for foreigners. (NLT)

The straightforward meaning is that you cannot trust everyone. If someone asks for money, you should ask for collateral to ensure you get your money back. It is just like a bank asking for a down payment, or a business asking for a deposit on a service or product.

Getting into an Apartment Home

Apartment buildings have a standard practice of taking a security deposit from incoming tenants. This is to help cover any costs the tenant may incur by leaving early, damaging property, or breaking the law on the premises.

The poorer the credit of a prospective tenant, the higher the security deposit may be.

With great credit, a tenant is able to move in with little to no security deposit as a sign of trust and respect.

Getting into Our Heavenly Home

Thanks to a little act committed by Adam and Eve, we all fall into the same group. Our credit with God is very poor, and we have proven ourselves untrustworthy time and again.. To go home with God requires a security deposit so large that we could never pay it.

Therefore, God paid it for us.

Jesus became a Man. He built up the trust and credit by doing something no one else could: He lived perfectly according to God’s will and laws.

He paid our deposit by sacrificing Himself on a cross and rising from the dead three days later.

Jesus paid it all, for each of us.

All we must do is accept.

Lord, thank You for the cross and paying the cost we could not. Help us to live by Your example for Your glory through the help of the Holy Spirit.


Mexican Haggling

Proverbs 20:14

“It is naught, it is naught, saith the buyer: but when he is gone his way, then he boasteth.” (KJV).
“The buyer haggles over the price, saying, “It’s worthless,” then brags about getting a bargain!” (NLT).

Haggling in Mexico:

In 2005, my mom blessed my wife Liza and me by sending us on a trip to Mexico to celebrate our ten year anniversary. While we were there, we enjoyed relaxing on the beach, reading and resting. There was one thing that Liza wanted to do while we were there: shopping.

I’m not a fan of shopping on the best of days. When Liza and I go to the mall, I will walk around with her for a little while, but inevitably, I will reach my limit and have to go find a food court so I can go sit down with a coffee to hopefully read a good book. But one of the things I wasn’t looking forward to was the obligatory haggling that would ensue on our shopping excursion.

Here’s an example of haggling from an old Monty Python movie…

One time a street vendor approached Liza and tried to sell her some bracelets for $60 each. Now, the bracelets weren’t worth anywhere near that, but my wife didn’t know how to haggle – even though it was welcomed and expected in Mexico. She had paid thirty dollars for a cowboy hat earlier that day (it was hot and she needed it) and we later saw it selling for $10-20 in other shops we entered. I told the vendor that the bracelets were more money than we were willing to pay, and so he offered to sell us three of them for $20 in total. So I bought them for Liza.

The Boasting Buyer:

How does the above story – and the concept of haggling or bartering – apply to today’s Scripture? Solomon is talking about a man who goes to a shop or the market to buy goods and he undervalues them, and says that they are no good, but after purchasing the items for a lower price, he goes away and boasts about his purchase. Does this mean that we shouldn’t haggle or barter for items? Not necessarily.

The issue that Solomon is dealing with here is the dishonest means that some would use to get a good deal. Matthew Henry says, “See how apt men are to be pleased with their gettings and proud of their tricks; whereas a fraud and a lie are what a man ought to be ashamed of, though he have gained ever so much by them.” John Gill also says the Scripture describes a buyer who feels like he has outwitted the seller “and so glories in his frauds and tricks, and rejoices in his boasting, and all such rejoicing is evil.”

So what is the universal principle behind this Bible verse that we can apply to our lives? God wants us to be honest and generous in all of our financial dealings, whether we are buying or selling. No dishonesty. No cheating. No stealing.


Weighty Truth

Proverbs 20:10

“Divers weights, and divers measures, both of them are alike abomination to the LORD.”
“Differing weights and differing measures— the LORD detests them both.” (NIV)

Flattering Scales

I know some people who hate being weighed. They cringe at the thought of stepping on scales. So, to  make things a little easier, they find ways to make adjustments.

Believe it or not, some people (and you know who you are) adjust their bathroom scales to show less than their actual weight. In other words, some people, after stepping out of the shower, would prefer that their scales lie.

They like being flattered, not fattened.

Lying Scales

Balance à tabac

Balance à tabac (Photo credit: Wikipedia)

This proverb has to do with scales, but here they are called “diverse weights, and diverse measures.” They were used back in the old days for determining the value or authenticity of an item.

For example, if someone said he had an ounce of pure gold, a standardized ounce of pure gold, when set on the other side of the scale, should balance out. If something was off then the scales would tip.

Many times dishonest merchants would cheat their customers by using “diverse” weights, or weights that said they weighed a certain amount, but didn’t. God hates lying, even when it involves weights.

Heavy Truth

Sometimes the truth may seem too heavy to bear. It may be disappointing to know how much we actually weigh. Those who have flattering scales in their bathrooms are often brought back to reality when they have to visit a doctor – their scales don’t lie.

What is wrong with a little scale tampering every now and then? The problem is that a lying scale leads people to believe a lie is the truth. With God there is no room for error or falsehood. Jesus is the Way, the TRUTH, and the Life.

There is no coming to God by way of a faulty scale.


Inherited Blessings

Proverbs 20:7

The just man walketh in his integrity: his children are blessed after him. (KJV)
The righteous lead blameless lives; blessed are their children after them. (NIV)

Walking in Integrity?

You may have noticed that there are not many people who walk with integrity in our world.

Many people find an error on their receipt and keep the excess change (although recently a relief pitcher for the baseball team the San Francisco Giants, Jeremy Affelft, discovered a half million dollar mistake in his paycheck, and returned it!), though it could cost someone their job.

Many people cut off others in traffic to save themselves time or drive slower to “keep themselves safer,” when in truth they may be causing accidents and delays.

There are a myriad of ways people do not walk in integrity, from relationships to finances to business even to church.

However, those who walk in integrity are held blameless by their families, friends, and communities. Whether it is financial, moral, or relational, those who walk in integrity leave many blessings for their children.

A Blessing with a Warning

The children of a person of integrity find that they are blessed with some influence.

People are willing to trust them because of who their parents were. Some people find they have enough money to influence others’ responses.

The wise will use this influence to make their world better. The godly will use this influence to make an impact for Christ.

However, as David and Solomon’s children demonstrated, that influence can also be used to burden and curse others.

The choice is ours how we use what our parents have left for us.

If they left us an example of integrity, may we follow that example.

If they left us an example of selfishness, pride, and violence, may we choose to follow the example of Christ and set a new example of integrity for our children.

Wise Lord, help us break the cycle of our families to walk in the integrity of Christ. Help us to live lives that are pleasing to You and blameless in the sight of our eyes, for Your glory.


Of Salt and Slugs

Proverbs 20:4

“The sluggard will not plow by reason of the cold; therefore shall he beg in harvest, and have nothing.”

Get a Job

You’ve probably heard someone yell out the window of a car, “Get a job!” I know I have. And if I had never heard it I know I have thought it. Every once in a while I see a person with a cardboard sign and think to myself, “Why don’t you get a real job, instead of making more than me?”

We should really be careful when we see people begging for work, for food, or for money. Unless we have followed a person around for a while, we don’t know what he has gone through. We should be more careful before we pass judgment.

Really, Get a Job

BUT, there are many people who really do end up begging others for basic needs all because of their laziness. There are people who refuse to spend any energy doing whatever it takes to feed themselves, much less their families.

I don’t want pity, nor am I bragging, but there was a time when I had to work 3-4 jobs at a time in order to keep my wife and daughters out of a shelter and in a house. I know what it is like to work in a dangerous factory during the week, deliver pizzas at night, wash dishes all weekend, and deliver news papers on Sunday morning. I know what it is like to plow in winter.

Salt or Snail?

Photo by Pixabay on Pexels.com

The lazy person is called a “sluggard.” The name causes one to envision a long, slow-moving, slimy snail. The “sluggard” refuses to get up an do anything because work is hard. He chooses to wait until the “time is right,” but the right time never comes. Then, when hunger comes, he begs, complains, accuses others, and demands his “rights.”

Unfortunately, many societies encourage “sluggards.” They reward them with everything they want, including food, shelter, clothing, and cell phones. Sadly, some healthy Christians think it is appropriate to live off of certain programs, rather than work, but…

You can’t be the salt and light of the earth while acting like a snail.

 


Rich Slaves

Proverbs 19:10

“Delight is not seemly for a fool; much less for a servant to have rule over princes.”
“It is not fitting for a fool to live in luxury— how much worse for a slave to rule over princes!”(NIV)

Foolish Delights

Recently, Anthony wrote about those who win the lottery. They seem to be happy, and they find a sudden influx of friends and family to help them with their money!

It really depends on who you talk to or believe, but most reports show that the majority of major prize lottery winners are bankrupt inside of a few years.

The biggest reason, of course, is that they were foolish with their money when they had none, and that that habit does not change when they get much.

The same happens when spiritual leaders follow bad theology. They tried handling matters in their own lives, and they figured they could handle matters of God, as well. This is where too many churches and denominations can get off track. This is also where we get cults.

Of Slaves and Princes

Another danger of the poor suddenly becoming rich is that they may use their newfound influence to get back at established wealth. They might try to show off, to prove themselves (which can help lead to their bankruptcy).

This also can be a danger with religious leaders. When some parishioners get upset with how churches are being run, they may get ordained and/or start a new church. Again, this is where too many churches and denominations can get off track, and where we get cults.

How this can be good news comes through how God redeems everything.

John 8:34 Jesus replied, “Very truly I tell you, everyone who sins is a slave to sin. (NIV)

We are all slaves to sin … until Jesus came along to make us righteous:

Romans 6:17 But thanks be to God that, though you used to be slaves to sin, you have come to obey from your heart the pattern of teaching that has now claimed your allegiance. 18 You have been set free from sin and have become slaves to righteousness. (NIV)

As the redeemed of Christ, we become co-heirs in Christ and will rule over this world (Romans 8, Revelation 20).

It is only worse for slaves to rule over princes if the princes are of this world and slaves to sin.

Prince of Peace rich in grace, help us be wise with what You have entrusted to us, and if we must be slaves may it be to Your righteousness. Rule in our hearts and minds. Rule over our lives.


He Says “Come”

Proverbs 19:7

“All the brethren of the poor do hate him: how much more do his friends go far from him? he pursueth them with words, yet they are wanting to him.”
“The poor are shunned by all their relatives– how much more do their friends avoid them! Though the poor pursue them with pleading, they are nowhere to be found.” – NIV

Poor and Lonely

How sad is it that when a person has nothing, even his own family will avoid him? This happens a lot, especially to people who are in need. Nobody seems to want to hang out around people who are poor. Being poor and needy can make one awfully lonely.

I know some people who need family and friends. They need support and encouragement, but none can be found. Why? The family and “friends” say, “The only time they call is when they want something.”

In reality, many of the poor in this world are poor as a result of their own unwise choices. But there are also many more who are needy out of no real fault of their own. They are the ones that could truly benefit from a caring family member or friend.

Closer than a Brother

In reality, a real friend or brother would not run from one in need. “A friend loveth at all times, and a brother is born for adversity.” – Proverbs 17:17 KJV

All I know is that I am thankful that the richest one in the universe never ran from me. Jesus is a friend that sticks closer than a brother and understands what it means to be rejected.

“For he shall grow up before him as a tender plant, and as a root out of a dry ground: he hath no form nor comeliness; and when we shall see him, there is no beauty that we should desire him. He is despised and rejected of men; a man of sorrows, and acquainted with grief: and we hid as it were our faces from him; he was despised, and we esteemed him not.” – Isaiah 53:2-3 KJV

I am so thankful that I serve a loving and generous God who not only knows my needs and doesn’t run away, but calls all men unto Himself…

“Is anyone thirsty? Come and drink– even if you have no money! Come, take your choice of wine or milk– it’s all free!” – Isaiah 55:1 NLT