Tag Archives: Finances

How to Get Ahead

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.


Under Another

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.


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.


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.


Blessed Are the Rich …

Proverbs 19:4

“Wealth maketh many friends; but the poor is separated from his neighbour.”

New Warnings

In light of some of Jesus’ words, this verse makes little sense.

Then said Jesus unto his disciples, Verily I say unto you, That a rich man shall hardly enter into the kingdom of heaven. – Matthew 19:23

Blessed are the poor in spirit: for theirs is the kingdom of heaven. – Matthew 5:3

The verse today seems to say “Blessed are the rich, and how hard it is for the poor!”

And it is.

Different Thinking

This proverb is stating something that is obvious to almost everyone.

When someone has money, it is pretty easy for them to make friends. They appear more trustworthy, and they can give the best gifts.

Wealth seems to give people confidence, so they will not worry about the small things in life. There is a tendency to handle finances well (Think of the book written by a wealthy man, “Rich Dad, Poor Dad”), and this builds good credit and more wealth.

When someone has little money, they may still make friends, but they may not always be considered trustworthy (whether or not this is justified).

Being poor tends to draw away from confidence, because they need to worry about the small things in life (they seem much bigger). They may not handle their finances well, and, as evidenced in the past five years, they will be literally separated from their neighbors through foreclosure and/or eviction.

Thinking Differently

Regardless of our financial circumstances, may we change our mindset to things above.

When we are poor in love, mercy, and grace toward each other, it proves we are poor in love for God. We will find ourselves ultimately separated from God (who called Christians “friends” in John 15:15).

When we are rich in love, mercy, and grace toward each other, it proves we are rich in love for God. We enter into a fellowship with God and a family of millions throughout history.

Father, give us financial wisdom, but more importantly increase our wealth in love, mercy, and grace. May our friends be eternal in You.


Financial Acumen

Proverbs 17:18 

“A man void of understanding striketh hands, and becometh surety in the presence of his friend.”
“It’s poor judgment to guarantee another person’s debt or put up security for a friend.” (NLT)

What should you do when a good friend asks you to guarantee his or her debt, or put up security for a home or a loan? Your answer may depend to some extent on your own financial circumstances, but the fact that such advice appears in the book of Proverbs, suggests that wisdom should be involved.

I found myself in this position several years ago. Friends had fallen on hard times, largely because of a lack of wisdom in financial matters. Money from the sale of a house got spent, and eventually they ended up in rented accommodation. My wife and I helped them out as much as we could, but soon realized that he in particular needed to make some changes in approach and attitude to their financial affairs.

Then one day he arrived on the doorstep, and over a cup of coffee asked if I could stand as guarantor for another property he wanted to rent. With a heavy heart I told him I could not, even though he repeatedly told me that there was no risk to me as he would be able to pay the rent. I had no confidence that he could, and I knew that it was wrong to place my family at risk. Eventually, my friend acknowledged that he had to bring his expenditure in line with his income and downsized. We remained friends, although they live in another part of the country now.

If I had stood as guarantor and my friend had defaulted I would have been required to pay his rent. This would have made it difficult for me to meet my own outgoings. I wish I had known about this verse in Proverbs at the time. I remember the bad feeling inside when I refused to help my friend, but it was absolutely the right decision. How much wisdom do we miss out on by failing to study God’s word, and by forgetting to listen for His gentle whisper. 

The Lord said, “Go out and stand on the mountain in the presence of the Lord, for the Lord is about to pass by.” Then a great and powerful wind tore the mountains apart and shattered the rocks before the Lord, but the Lord was not in the wind. After the wind there was an earthquake, but the Lord was not in the earthquake. After the earthquake came a fire, but the Lord was not in the fire. And after the fire came a gentle whisper. When Elijah heard it, he pulled his cloak over his face and went out and stood at the mouth of the cave.
Then a voice said to him, “What are you doing here, Elijah?” (1 Kings 19:11-13 NIV)

Honored On a Box

Proverbs 13:18

“Poverty and shame shall be to him that refuseth instruction: but he that regardeth reproof shall be honoured.”

Cracker Jack Boxes

Years ago I had a great sales manager, Dennis Vauvrunek.  He was great because he was a servant leader; because he was an encourager; and because he tried to bring out the best in his people.

Dennis knew that sales people are competitive by nature. So, in order to showcase the person with the highest numbers each week, he gave away an award – a box of Cracker Jacks.

Now, this was not just any box of Cracker Jacks, but one that had printed on the front the name of the winner and the dollar amount sold. It was amazing how much harder some of us would work when we though someone else might get the box. Sometimes getting that box was more important than a paycheck.

Honor and Reproof

The key to the success of the Cracker Jack box was the natural desire to be honored. The one who received it was considered the “best of the best”…a “go-getter,”…a winner.

But success in any field does not come by accident. Hours and hours of instruction, hands-on training, and learning from one’s mistakes were a prerequisite to being successful. The winners of Cracker Jack boxes were men and women who had been humble enough to accept reproof.

Poverty and Shame

Those who never accept instruction, much less reproof, are usually destined for poverty. Poverty and shame are the wages of pride.

When the industry I was in was active, I made really good money. But making a good living came as the result of dedicated, systematic, hard work. When I trained others to do what I did, I would show them exactly what was needed to be successful. All they had to do was follow my instructions. Those who didn’t went broke. Those who wouldn’t take advice never met their quotas. It didn’t take long before they were gone.

Your Name on a Box

Do you want to succeed in a particular area of life? Do you want to provide for yourself and your family? There is a price to pay. You must be humble.

1 Peter 5:5-6 – “Likewise, ye younger, submit yourselves unto the elder. Yea, all of you be subject one to another, and be clothed with humility: for God resisteth the proud, and giveth grace to the humble. Humble yourselves therefore under the mighty hand of God, that he may exalt you in due time.

What kind of box do you want?