Ten Saving and Giving Tips

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Most people want to be generous and help those in need.  The reality is most people do not give much.  Most people also understand that’s it’s important to save money.  The reality is most people don’t save much money either.  So what’s the problem?  Part of it may be understanding the world better.  Also part of it is not having a plan.

Pastor Bob Coy of Calvary Chapel in Ft Lauderdale gave this example of putting the people of the world into perspective.  Let’s look at the world as made up of just 100 people:

  • 70 of them don’t know Jesus. 30 do.
  • 30 are white. 70 are some other color.
  • 51 are women, 49 are men.
  • 80 live in substandard housing, meaning they have no electricity, running water, inside plumbing or a roof over their head.
  • 50 are malnourished. Their food is not satisfying, not enough and doesn’t provide proper nutrition.
  • 70 can’t read.
  • 1 is dying as you read this-a little kid under the age of 10. He’s dying because he can’t get enough to eat.
  • 6 have a significant portion of the world’s wealth.
  • 6 live in the United States.
  • What if you’re the dad of the kid who’s dying of malnourishment?  Wouldn’t you be asking one of the 6 wealthy to share a little for your child? Unfortunately, the answer all too often is: there’s other things to do with our money, new things to buy.

Most Americans spend their money this way:

  • 24% on housing
  • 19% on health care
  • 22% on recreation and personal needs
  • 15% for food
  • 17% for transportation
  • Leaving 3% for other such as giving or saving

Most people want to make a difference but are either too far in debt to be generous or have good intentions but don’t plan in advance to be generous or even to save.

So here are some tips on how you can Save more and Give more:

  1. Save second and Give to God first.  When we give first, then save some we don’t spend money on those unimportant things that we don’t think about.  The fancy coffee, the extra soda, the fast food.
  2. Use an automatic transfer at your bank.  Transfer money out of your checking account into a savings account after every paycheck.  You can also set up automatic giving to your church either through your bank or through your church.
  3. Be consistent.  If you save money every other week for a year it adds up quickly, same goes for giving.  If you give consistently every week and not just when your in church you end up being more generous.
  4. You might want to have multiple savings accounts you transfer money into.  One should be an emergency account, another could be to purchase your next vehicle or other large item and another could be for a down payment on a house.
  5. You might even set up a saving account at a different bank to make it harder to get to and more out of mind.  When you don’t see the money in your checking account or in your wallet you won’t spend it.
  6. When you get a raise or a bonus put that money in savings, give some away or pay off debt.
  7. Pray about saving and giving.  Ask God to give you wisdom with your finances and guidance on how to spend what He has entrusted to you.
  8. When an opportunity to give comes along if you’ve been saving money you can pull from your savings and give and not have to take money out of your budget.
  9. Plan in advance where you want to give each year.  Give to your local church first.  I recommend 10% of your gross income as a target.  Then plan what other non-profits you have a  heart for and what you would like to give to them for the year.  Then plan to use money from savings or budget to give to things that come up that you would like to support like girl scouts, youth group, pizza fund raisers etc.
  10. When you payoff debt add that extra money to your savings and give some away.  Or if you are able to save some money on expenses increase your giving or your saving.

Being generous feels good and helps make the world a better place.  Saving is a healthy practice and helps you to be more generous.  Start today by choosing a couple of these tips and put them into practice.

 

Five Key Spiritual Habits

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We are all busy, there are many things competing for our time and energy.  Leadership can be defined as having influence in someone elses life.  If you have faith in Jesus Christ you are also a spiritual leader, because now you are an ambassador for God.  The influence we have with people, whether it’s at work, home, school or church is often a reflection on what daily habits we have.

Jesus gave us a great example of things we can do to stay focused on the right things and keep the right perspective on life.  It’s easy to drift and be consumed by the day to day activities of life unless we develop these essential habits.  So here are five things we can observe in the life of Jesus that can contribute to our development of faith, character and leadership.

  • Solitude – This is a challenging behavior because it’s countercultural.  It is a rare and often unsettling feeling to stop doing and just be.  Solitude is being completely alone with God away from all human contact for extended periods of time. It is in these times of solitude that we can seek to refill our spiritual fuel tank, hear from God, think clearly and honestly.  It helps us make better decisions, work through grief and pain and strengthen our spirit and resolve.
    • Jesus spent 40 days alone in the desert.
    • Before he chose the 12 disciples he spent the entire night alone praying and thinking.
    • When a close friend John the Baptist was killed he went off in a boat by himself.
    • After a great ministry event of feeding the five thousand he went up into the hills by himself.
  • Prayer – How’s your prayer life?  Prayer is essential for our spiritual and emotional well-being. Regular connection with God through prayer is what sustained Jesus while he was here on earth.  For us as leaders it’s vital to be able to talk with God about anything and everything.  Prayer is the way in which we plug into God’s power, receive God’s comfort and encouragement, vent our frustrations and pain and intercede for other people.  Prayer helps prepare us for the day by focusing on God first.  Praying with people and for people is a powerful leadership principle.  Praying for your spouse, family, friends, co-workers, employees, small group, boss and other leaders is an effective way to lead and love people.  When prayer becomes a habit it becomes part of our DNA and normal way of life.
  • Bible – It’s the greatest resource known to mankind.  It’s more than a how-to manual for life, it’s an intimate love letter written to you from your Heavenly Father.  I’m currently reading through the New Testament in 60 days.  I’m on day 51 and I love it and look forward to it.  There are five practical ways you can cultivate this habit of getting into God’s Word.
    • Hearing God’s Word – That is why it’s important to go to church, to hear God’s Word and messages about how to listen and obey and put it into practice.  You can also listen to the Bible through great Bible Apps like YouVersion.  Have your spouse or friend read the Bible out loud to you, not only will you get into God’s Word it will build that relationship with your spouse or friend.
    • Reading God’s Word – There are so many great translations of the Bible that it’s much easier to read the Bible today.  I use my Bible App on my phone a lot.  There are great reading plans for all parts of the Bible.  Don’t take on too much but be consistent.  Reading the Bible daily or most days will help you lead better, even if you don’t understand everything at first.  Great leaders read a lot and the Bible should be at the top of the list.
    • Study God’s Word – This is more than just reading, this is examining and looking into the meaning and application of God’s Word.  This is great to do with other people in a small group, but we also need times when we dig in on our own.  Using a study Bible is helpful because there are study notes that explain what the Scriptures are saying.
    • Memorize God’s Word – When was the last time you memorized something?  A great way to go deeper in God’s Word is to memorize it.  Every year I lead a group of men and one of the things we do is memorize Scripture together.  Jesus used Scripture to fight against the devil and we can do the same.  When you memorize it you can recall it later when you need courage for the fight.
    • Meditate on God’s Word – Memorizing Scripture puts it into your head, while meditating puts it into your heart.  It’s focusing on a verse or several verses over a period of time.  Writing it down, reading it out loud, emphasizing different words, personalizing it by putting your name in the verse, praying the verse to God.  It’s praying while your focus on that Scripture and asking God to reveal what he wants you to know or do.
  • Trusting God – Jesus completely trusted God with absolutely everything.  In our culture we tend to only rely on or trust ourselves.  Trusting others and God is a struggle for most people.  Pride & fear fuel this lack of trust in our lives.  Many people have also been hurt or let down by important people in their lives so it’s hard to trust again.  Only in our relationship with God can we trust for complete unconditional love.  Because of God’s incredible, never changing love for us He is trustworthy.  When we understand who God is and how much He loves us it changes our perspective on life, ourselves and the world around us.
  • Intimate Community – Jesus had the 12 men that he spent significant time with.  But he also had 3 men that he was even closer and more intimate with.  It was his inner circle, the ones he did life with and passed on the leadership of the church to.  It’s vital for leaders to have soul-filling relationships with people where you can give and receive.  A safe place to share your heart, your struggles and your victories.  We need to be around people that know us well enough to tell us the truth, challenge us, question us and love us.

I hope these are habits that become a normal part of your life.  I encourage you to take small steps toward applying these habits into your daily, weekly and monthly routines.  If you do it will transform your leadership and your relationships.

 

The Heart of God

This past week I spent 6 days working with Hope Reigns doing disaster flood relief in West Virginia.  This is the third trip I have done with Hope Reigns.  They are a division of Eight Days of Hope a non-profit organization that helps communities rebuild after a disaster.

Every morning the volunteers gather and someone shares a message or devotional and we pray together before heading out to the projects.  In the evening after we eat together we have a time of worship and a message and more prayer.

On Monday July 4th I shared a devotional with the volunteers in the morning.  We had been talking about the heart of God and understanding how amazing his heart is.  Here is what I shared:

As I think about the heart of God I have to think about my own heart.  My heart is not perfect like God’s, I have stuff in there that is not good.  Things like anger, greed, envy, lust and pride just to name a few.

Of course Jesus changed everything when it comes to our spirit and our heart.  He made is possible once again to be at one with God.  To be reconciled to Him and a part of God’s family.  God’s heart is for us and His desire is for all to be reconciled to Him.

When we make the decision to have a relationship with Jesus.  When we believe Jesus Christ lived a perfect life, that he took the sins of the world on himself and died on a cross for those sins and then three days later rose from the dead overcoming sin and death, our spirit is changed.  We now have a part of God in us, the Holy Spirit resided in us.  That is when our hearts start to change.

We begin to see the world differently, we see people differently, we have a new perspective on life.  We are no longer slaves to sin because Jesus is now our Master.

Romans 8:26-28 says: “And the Holy Spirit helps us in our weakness.  For example, we don’t know what God wants us to pray for. But the Holy Spirit prays for us with groanings that cannot be expressed in words.  And the Father who knows all hearts knows what the Spirit is saying, for the Spirit pleads for us believers in harmony with God’s own will.  And we know that God causes everything to work together for the good of those who love God and are called according to His purpose for them”

So since we have the Holy Spirit with us and for us and in us, we have a great advantage in life.  Over time as we mature in our faith and relationship with Christ.  Our heart changes, those things that were in there begin to become less and less and we have more of the Spirit in us.  In Galatians Paul describes the fruit of the Spirit and below is a listing of those fruits and a definition, the opposite and the counterfeit.

Be filled by the Spirit:

Love

Definition – To serve a person for their good and intrinsic value, not for what the person brings you.

Opposite – Fear: self-protection and abusing people.

Counterfeit – Selfish affection. Rescuing someone but really rescuing self. Attracted not to a person, but to how this person’s love makes you feel about yourself.

– Joy

Definition – Delight in God and his salvation

Opposite – Hopelessness, despair.

Counterfeit – Happiness that come because of the gift, not the giver. Mood swings based on circumstances.

– Peace

Definition – Confidence and rest in the wisdom and sovereignty of God more than your own.

Opposite – Anxiety and worry

Counterfeit – Indifference, apathy, not caring about something. “I don’t care.”

– Patience

Definition – Ability to take trouble (from others or life) without blowing up. To suffer joyfully.

Opposite – Resentment toward God and others.

Counterfeit – Cynicism. Self-righteousness. “This is too small to be bothered about.”

– Kindness

Definition – Practical kindness with vulnerability out of deep inner security.

Opposite – Envy.  Unable to rejoice others joy.

Counterfeit – Manipulative good deeds. “Right hand knowing what left hand is doing.” Self-congratulation and self-righteousness

– Goodness. (Integrity)

Definition – Honesty, transparency. Being the same in one situation as another.

Opposite – Phoniness; hypocrisy.

Counterfeit – Truth without love. “Getting it off the chest” for your sake.

– Faithfulness.

Definition – Loyalty. Courage. To be principle-driven, committed, utterly reliable. True to one’s word.

Opposite – Opportunist. Fair-weather friend.

Counterfeit – Love without truth. Being loyal when you should be willing to confront or challenge.

– gentleness. (humility)

Definition – Self-forgetfulness.

Opposite – Superiority: self-absorbed

Counterfeit – Inferiority: self-absorbed, self-consciousness.

– Self-control

Definition – Ability to choose the important thing over the urgent.

Opposite – A driven, impulsive, uncontrolled person.

Counterfeit – Willpower through pride

So we have the heart of God in us and The Holy Spirit is active every day in our lives.  We have everything we need to live life to the fullest and to deal with anything that comes our way.

Our Identity

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This past Sunday our Lead Pastor Dwight Mason shared a great message about our identity as believers and followers of Jesus Christ.  We are Also Known As Saints – You can watch the full message here – NewPointe Community Church

When you confess with your mouth that Jesus in Lord and you believe in him and put your trust in him you are changed, and become new person spiritually.  At that point God sees you as a Saint.  In part of that message Dwight shared some very helpful info on the fruit of the Spirit.  As we mature into our identity these things should become more evident in our lives.

Be filled by the Spirit:

Love

Definition – To serve a person for their good and intrinsic value, not for what the person brings you.

Opposite – Fear: self-protection and abusing people.

Counterfeit – Selfish affection. Rescuing someone but really rescuing self. Attracted not to a person, but to how this person’s love makes you feel about yourself.

Joy

Definition – Delight in God and his salvation

Opposite – Hopelessness, despair.

Counterfeit – Happiness that come because of the gift, not the giver. Mood swings based on circumstances.

– Peace

Definition – Confidence and rest in the wisdom and sovereignty of God more than your own.

Opposite – Anxiety and worry

Counterfeit – Indifference, apathy, not caring about something. “I don’t care.”

– Patience

Definition – Ability to take trouble (from others or life) without blowing up. To suffer joyfully.

Opposite – Resentment toward God and others.

Counterfeit – Cynicism. Self-righteousness. “This is too small to be bothered about.”

 

– Kindness

Definition – Practical kindness with vulnerability out of deep inner security.

Opposite – Envy. Unable to rejoice other’s joy.

Counterfeit – Manipulative good deeds. “Right hand knowing what left hand is doing.” Self-congratulation and self-righteousness

Goodness. (Integrity)

Definition – Honesty, transparency. Being the same in one situation as another.

Opposite – Phoniness; hypocrisy.

Counterfeit – Truth without love. “Getting it off the chest” for your sake.

Faithfulness.

Definition – Loyalty. Courage. To be principle-driven, committed, utterly reliable. True to one’s word.

Opposite – Opportunist. Fair-weather friend.

Counterfeit – Love without truth. Being loyal when you should be willing to confront or challenge.

gentleness. (humility)

Definition – Self-forgetfulness.

Opposite – Superiority: self-absorbed

Counterfeit – Inferiority: self-absorbed, self-consciousness.

– Self-control

Definition – Ability to choose the important thing over the urgent.

Opposite – A driven, impulsive, uncontrolled person.

Counterfeit – Willpower through pride

God’s Will

What is God’s will for my life?  That’s a question that a lot of people ask including me.  We can question every decision we make and wonder if this is God’s will for my life or not.  Yet as I look at God’s Word this is what I found for God’s will:

  • That none perish but all believe – 1 Timothy 2:4 and 2 Peter 3:9
  • That salvation come to the Jews and Gentiles – Ephesians 1:5 & 2:22
  • That we present our bodies to him daily – Romans 12:1-2
  • That we bear much fruit – John 15:8 & Colossians 1:9-12
  • That we pray throughout our lives – 1 Thessalonians 5:16-18

God’s will is that we believe in Jesus Christ and then He will live in us and work through us.  God is not going to make decisions for us, but he is with us through all the decisions we make, both good and bad.  God is doing the work inside of us, we just need to focus on Jesus Christ, loving him and other people.