Category Archives: Money and Finances

July 5, 2013

Which Generation?

By Anthony Baker

Proverbs 21:20

“There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up.”
“The wise have wealth and luxury, but fools spend whatever they get.” (NLT)

The Greatest Generation

A lot has been said in recent years about “the greatest generation.” Those were the folks who made it through the Great Depression and World War II. They did what many today refuse to do – work and save.

I remember stories my grandfather told. I remember how he literally kept track of every penny, even making note where he found coins on the street. I also remember how there was no worry about money when he died. That was years ago, and my grandmother (in her 90’s) is still living off of his investments.

The “greatest generation” taught us that living on a budget, only spending what you have to, and putting off things you want until you have the things you need was being wise. Where has that wisdom gone?

The Latest Generation

Many of today’s generation know where to find money – it’s at their grandparents’ house. Today’s adults spend and spend without sacrificing their wants, then when there’s no money for bills, guess who pays?

The wise have savings accounts, investments, and even a secret box or two. They are the ones who are living in assisted living homes instead of on the street or in a government nursing home. The wise know how to live on a fixed income.

The fool gets a job, spends everything he makes on impressing his friends and neighbors, robs from his future, then begs from the wise. Then, when the wise go on to their final reward, the fool squanders his inheritance.

Lord, we all need more wisdom in this area. I thank you for family who were able to help me when I acted like a fool. Help me now, however, to act wisely, leaving an inheritance for those who come after me.

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June 27, 2013

I’ll Stay Where I Am

By Anthony Baker

Proverbs 21:12

“The righteous man wisely considereth the house of the wicked: but God overthroweth the wicked for their wickedness.”

Envy

A sin “that doth so easily beset” us is the sin of envy. In other words, envy is something most humans battle with on a regular basis, especially when they live paycheck-to-paycheck. Envy is an ever-present danger.

In a world where most people do their best just to get by, it is hard not to envy the rich and famous with their Hollywood “cribs,” their sports cars, their exotic vacations, the best clothes, and the best-looking friends and temporary spouses. If given the opportunity, many of us would exchange our house for theirs in a heartbeat. On the surface, which is all we normally see, everything seems better on the other side of the fence.

Envy, however, is a blindfold over the eyes of wisdom.

Seeing Clearly

See with discerning eyes and “consider” the house of the wicked. Is it really all it is made out to be? Is it really worth desiring over a life filled with suffering, sacrifice, and want? What does the wicked have that should entice the righteous?

My favorite Shakespearean sonnet is number 29. It speaks of a man feeling sorry for himself, hating himself, and wishing to be like others “more rich in hope.” Yet, in the end, he sees the truth: that love makes one more wealthy than the richest of kings.

When in disgrace with fortune and men’s eyes
I all alone beweep my outcast state,
And trouble deaf heaven with my bootless cries,
And look upon myself, and curse my fate,
Wishing me like to one more rich in hope,
Featured like him, like him with friends possessed,
Desiring this man’s art, and that man’s scope,
With what I most enjoy contented least;
Yet in these thoughts my self almost despising,
Haply I think on thee, and then my state,
Like to the lark at break of day arising
From sullen earth, sings hymns at heaven’s gate;
For thy sweet love remembered such wealth brings
That then I scorn to change my state with kings.

Love Possessed 

No one knows for sure to who’s “love” Shakespeare was referring. I am thankful that he did not get specific, for when I read Sonnet 29 two different loves come to mind: the love of my wife, and the love of God.

When I consider the house of the wicked, as Solomon suggests, I see a lot of “stuff.” What I don’t see is love without lust, peace without prescriptions, or comfort without consequences. Why would I exchange the unconditional love of a godly wife for conditional, revolving-door relationships that evaporate the soul?

But even more, when I remember the love of God, I would rather be a pauper than a king. His love brings everlasting wealth, the likes of which the wicked will ever know. Why should I desire to leave the house of the Lord for one which will be “overthrown”?

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June 20, 2013

Get Rich Quick

By Chris Jordan

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.

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June 10, 2013

Think Before You Promise

By Anthony Baker

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

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June 6, 2013

Using a Legacy

By David

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

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June 1, 2013

Security Deposit

By Daniel M. Klem

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.

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May 30, 2013

Mexican Haggling

By Chris Jordan

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.

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May 26, 2013

Weighty Truth

By Anthony Baker

Proverbs 20:10

“Divers weights, and divers measures, both of them are alike abomination to the LORD.”

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 a person’s 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.

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May 23, 2013

Inherited Blessings

By Daniel M. Klem

Proverbs 20:7

7 The just man walketh in his integrity: his children are blessed after him.
7 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.

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May 20, 2013

Of Salt and Slugs

By Anthony Baker

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?

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.

 

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