Category Archives: Money and Finances

September 28, 2016

How to Get Ahead

By Anthony Baker

Proverbs 22:29

“Seest thou a man diligent in his business? he shall stand before kings; he shall not stand before mean [men].”
“Do you see a man skillful in his work? He will stand before kings; he will not stand before obscure men.” – ESV
Victims

True victims should be pitied and cared for; those with a victim attitude should not. Oh, we should care, sure, but there comes a point when people need to quit blaming their lack of progress on others.

I know what it is like to lose everything. I know what it is like to go from making good money to having to work multiple jobs just to feed my family. But many will not lift a finger for themselves, while all along condemning those who have worked for what they have. They live as victims of their own laziness.

Just the other day I overheard a conversation a manager was having with an employee. The manager tried to encourage the employee to seek a better position in the company, but the employee would not accept. The reason she gave was that if she moved into a better paying position she would lose some of her welfare benefits. She would rather live on what was given to her than work for anything.

Victors

Look at the working man. Look at what he is doing and how he is doing it. He is diligent, which means he does the best he can as promptly as he can. He cares about his work, no matter what that work is.

There once was a waiter at  a particular restaurant. One day the restaurant changed their menu and began offering Pepsi instead of Coca-Cola. When a customer was saddened by the change, the waiter went around the corner to a convenience store, bought a Coke, and brought it to the table. He was diligent in his business.

Not long after the Pepsi/Coke incident we discovered the waiter had left the restaurant! When we asked where he went we were informed he had been promoted – to manage his own restaurant!

Visible

When a person wants to get ahead in life, the last thing he needs is to be invisible.  Look at the man who does his best and works hard – look at the man who hones his skills and fine-tunes his gifts – and you will find a man who gets noticed.

If you want to be considered worthy to stand in the presence of kings, do work that is worthy to be noticed by kings.

Don’t be a victim – be a victor! You will get noticed.

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September 8, 2016

Rich or Poor

By David

Proverbs 22:16  

He that oppresseth the poor to increase his riches, and he that giveth to the rich, shall surely come to want.
One who oppresses the poor to increase his wealth and one who gives gifts to the rich – both come to poverty. (NIV)

There is a school of thought that says that without poverty wealth could not exist; that one man’s poverty is another man’s riches. But I’m not rich you say! I work hard to pay my mortgage and my car loan, and to feed and clothe my family. However, if you have a mortgage on a property that boasts running water, heat and light, etc., then you are rich in comparison to many fellow citizens of planet earth.

Is it wrong then to own property? I don’t think so, but I do believe that it is necessary for all of us to examine ourselves, and the way that we live. Do we give, and are we generous in our giving? Or do we keep all that we have for ourselves justifying our actions by believing that we cannot afford to give? Is giving just about money? What about time? What about company? And at its most basic level what about a smile or a greeting for each person you meet? Just yesterday I said good morning to a man sweeping the floor at Dublin Airport. All the other passengers walked past without looking at him. It cost me nothing, but by his response I knew that my greeting was appreciated.

There is also a danger of pride in financial giving. Carefully setting aside that 10% tithe and feeling good about it is not what giving is all about. Jesus pointed out the poor widow who put all that she had in the offertory box. Tony Campolo once said that we should forget about the 10% we tithe and question what we do with the 90% we keep for ourselves. One thing for certain is that whatever we have in material terms it cannot leave the planet with us. So why then do we hoard? Could it be that this proverb is aimed at all of us, to encourage generosity in all aspects of our daily lives?

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August 14, 2016

Generous Eyes

By Anthony Baker

Proverbs 22:9

“He that hath a bountiful eye shall be blessed; for he giveth of his bread to the poor.”
“He who has a generous eye will be blessed, For he gives of his bread to the poor.” – NKJV

Always

Have you ever heard the phrase, “Never say never?” I heard it a lot in the days before the birth of my first child. I would say things like, “I will NEVER let my child…” That’s when people who knew better would offer insight based on their own experiences.

There are some decisions that should be made in advance, however; decisions preceded by a firm absolute. For example, I have said many times that I will never let my daughters leave the house looking like a “prostitot,” and I mean it.

But what about the word always? Isn’t that an absolute statement we should avoid? Should we always be giving? Should we always be generous?

Give

My father, a generous man, told me, “Son, if a bum on the street walks up to you and asks for a dollar, always give what you can…you never know who it might be.” He would never “withhold” when he had the power to give something (Prov. 3:27), and he was a firm believer in the possibility that every beggar could be a heavenly messenger:  “Be not forgetful to entertain strangers: for thereby some have entertained angels unawares” (Heb. 13:2).

But more importantly, my father was wise enough to understand that it’s not really about what we give and to whom, although that is important; it’s about the heart. A person with a “bountiful eye” loves to give, especially to those who are less fortunate. Like the Good Samaritan, we are not told to question why our neighbor is lying in the ditch, or how he came to be in that situation, but to offer kindness and generosity. Even when it is impossible to give money, a sacrifice of kindness is always appropriate.

Blessings

When we give blessings we get blessings in return. It may not be in this life, but the promises of God are true: he who has a generous eye WILL be blessed.

Doesn’t it make you feel good to give? Wouldn’t you like to come into a bunch of money and then use it to fund an orphanage, provide for struggling families, or give to missions? Well, it doesn’t take a few people giving a lot, just a lot of people with a heart for giving.

Remember, “He who has pity on the poor lends to the LORD, And He will pay back what he has given” (Prov. 19:17 NKJV). God is no man’s debtor.

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August 11, 2016

Under Another

By Daniel M. Klem

Proverbs 22:7

“The rich ruleth over the poor, and the borrower is servant to the lender.”

Buying a House

My wife and I just bought our first house.

Technically, it is not really ours, because we have to pay the bank for buying it for us. That means, for up to 30 years, the bank owns our house.

During that time, the bank owns our money. We have to give to them, or they can take from us our dwelling place! We serve them until the debt is paid.

Emotional Dependency

Banks may have financial superiority over many a homeowner, but there are other ways people control others.

The emotionally weak person will be either controlled by those who are more out of control of their emotions or inadvertently control their relationships out of their need.

The former situation has the person whose emotions are all over the place seeking power over the weaker person. They are rich in emotional intensity that they cannot control, therefore they control someone else.

The latter situation has the emotionally needy person draining others’ time and emotions. In this sense, it can be seen as the one rich in need has control over the person poor of need.

Neither is morally justifiable, but it happens all the time.

Moral Superiority

We all find ourselves in some emotional or moral need from time to time or for our entire lives.

There is One who is in perfect control of His emotions, and, though completely sovereign, He does not force us to obey Him, but He calls all people to repentance and forgiveness.

God wants us to live godly lives, not lives of manipulation of strong over weak.

Heavenly Father, help us to be good stewards of all that You have entrusted to us: finances, possessions, emotions, and each other. Guide us by the Holy Spirit into all righteousness, and rule over our hearts with Your grace and love.

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July 8, 2016

Working to Give

By Anthony Baker

Proverbs 21:25-26

“The desire of the slothful killeth him; for his hands refuse to labour. He coveteth greedily all the day long: but the righteous giveth and spareth not.”
“Despite their desires, the lazy will come to ruin, for their hands refuse to work. Some people are always greedy for more, but the godly love to give!” – NLT

Work

As I sit here typing this “thought” for the day, my body is aching and my eyes are still blinking hard trying to bring the world into focus. Trying to make ends meet, I have been getting up early and going to bed late as I work on several different jobs and projects. Visiting, studying, making calls for work, painting cabinets, attending meetings, practicing music for a recording, and preaching have worn me out.

But if the truth be known, I would rather be tired from working than worn out from doing nothing. I would rather have a paycheck in a blistered hand than nothing in a soft, weak hand. I would rather say my bills are a little behind than say all my bills are paid by the government. I’d rather die from working than die from being lazy.

Giving

There are few things more enjoyable than to be able to give to others. The problem with the “slothful” is that he is always wanting, always greedy, always talking big and promising bigger, but never giving.

The reason the godly love to give is because they love to see others happy. As a matter of fact, Jesus says when when they give unto the least of His brothers and sisters, they give unto Him (Matt. 25:40), so giving becomes an offering of praise.

The slothful only care about themselves. They have nothing to give as a true offering, for nothing they have has any true value – they haven’t worked for it (See 2 Samuel 24:24).

Now, time to get back to work. I have some giving I’d like to do.

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June 25, 2016

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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May 19, 2016

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.

shakespeareWhen 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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May 5, 2016

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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April 23, 2016

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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April 21, 2016

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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