Archives For Contentment

In several Christian traditions, there is a recent phenomenon of a devotion method known as SOAP. It’s a nice acronym that stands for the following: Scripture, Observation, Application, and Prayer. For those who are unfamiliar with it, it is a devotional method. It is the structure used for people to engage the Bible. Here’s how it works. Someone will select a scripture, and write it down next to the ‘S’. Then, they will make an observation from that scripture. It can be something simple or complex. Based on that observation, you apply it to your life – make an application. Then, say a prayer in a way that incorporates the rest of what has been covered.

There are many great things to say about this devotional method. It’s easy to remember and encourages people to read their bibles. What it is really directed at is making it personal. It is a post-modern take on reading the bible because it emphasizes that everyone can make different observations and applications from the same scripture verse. It isn’t saying that there is one way to read each and every verse.

Yet, at the same time, it is doing the Christian community a disservice. While I agree that ordinary people can have a valuable perspective from reading a part of scripture, it often entails taking things out of context. Not only is the scripture selected as a part of a larger context (that is, a couple verses instead of the whole chapter or book), but it often fails to incorporate historical context. The stuff that is not explicitly said in the passage. When reading the bible, there are just as many important things that are not said as there are things that are written. Another horrible thing it is doing is misapplying the context of the Bible to current day settings. In other words, people are believing that the context in the Bible is similar to their own, when it really isn’t.

What happens, as a result, is a Christian community that is uninformed, under-educated, and most importantly, emphasizing the observations or applications over the scripture itself. In other words, people remember what you should or should not do as opposed to the story that they read in the Bible that communicated that moral wisdom. In case you can’t tell from my previous 390 word rant, this is an injustice to the Christian tradition.

It Happens With Finances As Well

This type of injustice isn’t just something that happens within the Christian communities. It also happens within the financial realm. With the increase in technology and especially social networks, it is much easier to learn of other people’s financial situations. Whether it is someone buying their first home, having a baby, paying off debt, or whatever. It is easy to learn of other people’s financial situations. Much easier than it used to be.

With that increased awareness comes, unfortunately, increased judgment and inappropriate comparisons. For example, a friend of mine recently asked me to help her lease a car. Me, being the person who obsesses over numbers, I tried to figure out if it was the best financial decision available to her. I quickly pointed out that financially, it would make more sense to buy a slightly used car (or fix her current one) than lease a new car. That’s what I would do. Yet, what I failed to consider is that her life situation (or context) is much different than mine. While we are still friends (she understood my intentions were good), I have come to realize that it isn’t a bad decision based on her life. While I don’t need to go into the specifics of her reasoning here, suffice it to say that I learned that I had made large assumptions. I failed to realized that our finances were different. In a manner of speaking, I let me finances become to “soapy.”

People make these false assumptions about similar contexts all the time. When people see friends buying a home and instantly feel jealous, they fail to understand that it’s more complicated than it seems. The friends may have worked second jobs or went to graduate school to get a good-paying job to afford a nice house. Or it may be that they are buying too big of a house and they won’t be able to afford it. Before you feel jealous of their “success,” you need to realize that it’s hard to make comparisons. Period. There is never enough information to make a 1-to-1 comparison, and even if you get all the facts, there are going to be life differences that influence the financial decisions.

Therefore, before you jump to assumptions or develop feelings of jealousy or hatred over other people’s finances, remember that it’s not as easy to compare yourself to them. Everyone’s life is different and we have to learn to accept that fact.

For one of the first times in my life, my future career is uncertain. I remember as a child thinking that I wanted to be all sorts of things, including a police detective, architect, religious leader, etc. It’s amazing how our childhood dreams always change, isn’t it? I am convinced it’s not necessarily a bad thing, it’s just a fact of life. We grow up, we change as we experience life in new ways, and we learn more about ourselves.

My Career Change

As it turns out, my career path has been on a roller coaster in the past 2-3 years. I started graduate school thinking that I would continue on to get a Ph. D. in religion, but that has since changed. While I dreamed of being a professor of religion one day, reality has caught up with me. I realized that I would not make a great professor and to make matters worse, that job has become increasingly competitive with fewer job opportunities available. I realized that I while I may be able to get into a Ph.D. program, it would be hard to get a job after 5 years of studying.

Around this same time, I came into some opportunities to pursue some business ideas. The business opportunities were small, but it got my feet wet in applying some of my business ideas. Once I started making a few hundred dollars on the side, I realized that there was potential to make this a long term thing. I could make a living off of running a small business.

Is Self-Employment for You?

While running a business may sound great on paper, I have learned that there are many small things that could make it annoying to the wrong person. You have to keep a close eye on your finances (or pay someone to do that for you). This could mean utilizing some sort of merchant services or hiring an individual to do your taxes. Not everyone likes to do all of these things. Being a successful business owner means being able to manage diverse tasks.

Running a small business also means putting in the work at the beginning to make it successful. I don’t know about you, but it’s easy to lose hope. It’s easy to become discouraged and lose confidence in your service or product.

While it may not be the best option for everyone, I think I will give it a shot in the future. There is something about making something successful from nothing that intrigues me. There’s something about being able to be my own boss. While it may mean more work and less pay for a while, I think it will give me the freedom to pursue my passions and not be stuck in a dead-end job.

Have you ever considered self employment?

On the About page, I state that Provident Planning is dedicated to exploring God’s Provident Plan for the personal finances of Christians. But what does that mean? What is God’s Provident Plan? It’s God’s clear Biblical message that through contentment in Christ, diligent work, and good stewardship Christians can prosper so we can give generously in the name of Christ. By following the Provident Plan, Christians can glorify God through their finances.

This message is what I discovered as I have studied personal finance in the Bible. As a Christian and someone who studied financial planning in college, I wanted to know how I could give sound, Biblical advice, but I found so many conflicting opinions that I felt I should find out for myself. After searching for all the Bible verses I could find about personal finance, I began to see God’s wonderful plan for a Christian’s personal finances.

It’s not a plan focused on making Christians rich, or how we can retire early, or the things we can do to make us feel good about ourselves or our money. No – just like every other part of God’s plans for Christians it brings glory to His name and strengthens the witness of Christ in the world. If all Christians followed God’s Provident Plan for their finances, we would radically change the Church and the world. And while it involves how we handle our money – it’s all dependent and focused on the transformation that occurs when we fully give ourselves to Christ and realize the power of His death, resurrection, and the life we have in Him. Let’s take a closer look at each part of God’s Provident Plan.

Contentment in Christ

Once we have decided to follow Jesus, He becomes everything to us. We are in a continual struggle against Satan to keep other things (especially money) from taking the place of Christ. When we find contentment in Christ and Christ alone, the importance of money in our lives diminishes and pales to the value we place on Jesus. We learn the secret to being happy in all situations – whether we’re full or starving, rich or poor, employed or jobless, single or married – nothing in this life matters at all when compared to the glorious gift of Jesus and the fact that no one and no circumstance can take that away from us. We see everything in light of eternity, and we find that nothing on earth is of more value than our faith in Christ. We come to fully believe and trust that God cares for us and will provide everything we need.

Once we have this habit of always finding our contentment in Christ, the Spirit will teach us to place much less importance on material things. We will no longer be focused solely on our own needs and wants – an early retirement, a bigger house, a nicer car, and so on. Instead, we’ll be consumed with a desire to focus on the needs of others – to feed the hungry, clothe the naked, shelter the homeless, and show God’s love to the world through our faith and our deeds. We’ll spend less and less on ourselves as we give more and more to others.

You can read more about contentment in the Bible here or by downloading a free copy of Contentment Is Wealth.

Diligent Work

Where contentment helps us to spend less on ourselves, understanding God’s call to work diligently helps us earn more money. As the gap between our spending and our income grows, we are left with more to manage wisely, prosper, and then give generously to the needs of others. The attitude and spirit we have as we approach our work can also glorify and honor God’s name. His witness can be seen in how we deal with people in our businesses and our motivation in our work.

You can read more about hard work in the Bible here.

Good Stewardship

While the Bible says little about financial planning as we know it today, God has shown us the value of using wisdom and prudence in managing our affairs. There are verses that speak to planning ahead, saving, avoiding debt, and other practical matters we will encounter in our personal finances. By wisely managing the blessings God provides (that gap between our income and our spending), we can be good stewards and have even more to give in His name.

Prosperity

As we follow God’s teaching on contentment, diligent work, and good stewardship, He will bless and prosper us. When we think about prosperity our focus needs to be on having God’s view of prosperity and its purpose. Prosperity can come in many other ways than just material blessings, and God wants us to use our prosperity to honor Him – not just make ourselves more comfortable. When God prospers us, it’s so we can further glorify Him as we give more and more to those in need.

Giving

Giving is the purpose of God’s Provident Plan. All other aspects of His Provident Plan are a means to this end. Through our contentment in Christ, we spend less so we have more to give. Our hard work provides more income so we will have more to give. Through good stewardship we avoid wasting what God has given us so we will have more to give. Our prosperity comes from God not so we can make ourselves richer but so we can give even more. God’s Provident Plan is completely focused on others – on how we can glorify God by laying down our lives and our wants for the needs of others. We live simply so others can simply live.

At the same time, we’ll realize that God’s Provident Plan gives much to us as well. Peace beyond understanding, joy beyond description, and happiness beyond compare are all ours as we trust ourselves to God’s care. When we first begin following God’s Provident Plan, we hardly realize the potential benefits it will have for our own lives because we were still mired in the views of the world. But as we follow Jesus and see that He is trustworthy and faithful, we become aware of the indestructible treasures in heaven that He has taught us to accumulate.

When we fully grasp God’s Provident Plan, we’ll see that giving in the New Covenant has nothing to do with tithing or percentages. It’s not about requirements, rules, obligations, or blessings or curses. Our giving is to be completely motivated by love – joyous and cheerful as we realize that our sacrifice is not loss but gain in Christ. We give freely, generously, and sacrificially not out of compulsion but out of our joy and contentment in Christ. Such giving is a sign of our total commitment to Christ and His teaching, and it’s a very powerful witness to the world.

Following God’s Provident Plan

Following God’s Provident Plan for our personal finances has huge implications for our lives. It goes against every motive the world gives us for why we should manage our finances well. Instead of focusing on what’s in it for us, we look at what’s in it for God and others. But we know that the rewards God has for us far outweigh the deceitful and false promises of worldly riches. If you feel God calling you to follow His Provident Plan for your finances, please browse around the website and sign up for free updates through email or your favorite feed reader!

There are thousands and thousands of people out there living lives of quiet, screaming desperation who work long, hard hours, at jobs they hate, to enable them to buy things they don’t need to impress people they don’t like.

- Nigel Marsh


Buying Things to Impress People

Are You a Trader?

Corey —  July 18, 2011 — 6 Comments

       I’m not talking about stocks or bonds. Are you willing to trade in the pursuit of the “American Dream” and instead pursue God’s Kingdom and His Ways? Check out this video:



       So, are you a trader? Let me know in the comments below!

       On Wednesday, I had the pleasure of interviewing Chuck Bentley, the CEO of Crown Financial Ministries, about his upcoming book The Root of Riches: What If Everything You Think about Money Is Wrong?. The book will be released in the next week or so, but if you’d like to get a 20% discount you can go to http://www.crown.org/rootofriches and sign up to pre-order the book and get a free sample chapter.

       I had the chance to read the book before the interview and I highly recommend it to all of you. Chuck does a good job of getting to the heart of our issues with money by highlighting how being rooted in Christ is the only way to receive true riches. The interview below will give you a good overview of the central ideas in the book and help you determine if it’s something you’d want to read.

       I’ve included the audio here which you can listen to on the website or download for later. I’ve also transcribed the interview for those of you who prefer to read. I’d be interested in your feedback on how well you liked this because it’s the first time I’ve tried doing an interview/podcast. (I was quite pleased with how my intro and outro music turned out!) Feel free to leave your thoughts in the comments at the bottom of the page, and if you have any questions I’ll do my best to answer them.

Audio clip: Adobe Flash Player (version 9 or above) is required to play this audio clip. Download the latest version here. You also need to have JavaScript enabled in your browser.

Download the audio by right-clicking here and choosing “Save as…”.
Credits: intro and outro music for the audio is from “Bucolique Utopique” by David on Jamendo

Note: I was not paid anything to post this interview. I only agreed to it after reading the book because I believed Chuck’s message in The Root of Riches is excellent and needs to become more prominent in Christian personal finance.

Continue Reading…

       About a month ago, Trent at The Simple Dollar posted an article titled Theming in Personal Finance: Do Dave Ramsey and Larry Burkett Work Without Jesus?. Trent says he thinks it’s a good thing when people tie Christian beliefs with good personal finance advice in a way that reinforces both. He goes on to say that the personal finance information in many books that do this would work without the other material (the Christian parts).

       I agree with Trent. Good personal finance advice is good personal finance advice. It doesn’t matter if you dress it up with Bible verses or political views. Spending less than you earn is always going to be good advice. Saving for future needs is wise. Avoiding ridiculous consumer debt just makes good sense.

       But I find his initial question interesting. Do Dave Ramsey and Larry Burkett (‘s advice) work without Jesus? In other words, can Christian personal finance advice work without Jesus? And my answer is that if it can, it isn’t Christian!

What Makes Christian Personal Finance Christian?

       Here’s what I mean. If all the advice that any “Christian” finance guru gives can work without Jesus, then the advice itself is not Christian. If Christian personal finance blogs are just giving the same advice that all other personal finance blogs give, then there’s nothing uniquely Christian about them.

       Now I’m not saying that Christian personal finance advice should not include any of the same material as “regular” personal finance advice. As I said before, good personal finance advice is good personal finance advice. It doesn’t really matter where it comes from.

       But for it to be Christian personal finance advice, it needs to be consistent with the message of Christ.

Twisting Scripture

       On Trent’s post, I left a comment saying, “Perhaps the reason ‘Christian’ personal finance can work without Jesus is because we’ve twisted the message He brought to fit our society’s desires.” You see, if Christian personal finance advice just takes regular personal finance advice and dresses it up with a few carefully chosen Bible verses, then it’s just twisting Scripture to fit in with the ideals that our society already accepts.

       But if you start with the message that Jesus brought and that Scripture as a whole teaches, then you’re not going to come up with advice that fits in with society’s standard way of doing things. Too often, Christian personal finance does it the other way around. We start with the world’s ways and fit Jesus into it. There’s nothing Christian about that. In fact, that’s just telling people what they want to hear.

       If “Christian” personal finance advice revolves around budgeting, getting out of debt, saving and investing, and growing your income just so you can reach your goals and your dreams, then it’s no different from the regular personal finance advice. The focus is all about you – which is what we want to hear.

       But Jesus didn’t come with a message all about you. He brought us a message that was all about God and others. He didn’t come to tell us how to get rich and retire early. In fact, He had some strong warnings for the rich and a parable about a man who was all too happy with his ability to retire early. Rather, He taught about how we should serve others and how we should give God our primary focus. He told us that if we want to serve money we won’t be able to serve God.

       So if you’re reading a “Christian” personal finance book or website and there’s not something in it that’s really challenging how you think about money, it might be good to step back and ask yourself if it’s really giving you Christian advice or just plain advice.

The Emphasis Here at Provident Planning

       I’m trying to avoid that here on Provident Planning. When I did my initial study of personal finance in the Bible, I was very challenged by what I read. Rather than emphasizing material comfort and luxury, God emphasizes contentment. Rather than glorifying early retirement and amassing wealth for yourself, He holds up generosity as a greater goal.

       It’s not always easy to keep the Christian aspect of personal finance in the forefront. But I hope you’ve realized from what I’ve written that the kind of approach to finances that I’m encouraging can’t work without Jesus.

       When I talk about contentment, I’m talking about contentment in Christ. I’m talking about contentment that is steadfast through all trials and all circumstances. I’m talking about a kind of contentment that realizes nothing in this world compares to the glorious riches we have in Christ. I’m talking about a contentment that you can’t explain or experience without Jesus.

       And when I talk about generosity, I’m not talking giving just to meet your obligation to God so you can do what you want with the rest. I’m talking about generosity as the ultimate goal of your personal finances. I’m talking about generosity that sacrifices to meet the desperate needs of others. I’m talking about a generosity that you can’t explain or experience without Jesus.

One Voice Among Many

       I’m not the only one trying to emphasize Christian personal finance that’s true to Christ’s message.

       I’ve had great conversations with my friend Kevin Tupper at Christian Simplicity (currently under construction) about “living a life that’s inwardly rich toward God and outwardly rich toward our neighbors” and the implications that has for our finances.

       My friend Craig Ford at Money Help for Christians just announced that he’s going to spend more time focusing on spiritual issues of money and the problem of materialism in American churches.

       And I’ve just finished reading Chuck Bentley’s The Root of Riches and will be posting an interview with him next week. Chuck’s book is focused on how we will never be truly rich unless we’re rooted in Christ. All the right behaviors in the world aren’t going to help us if we still hold on to the wrong beliefs.

       These are just some of the people who are passionately pursuing a kind of Christian personal finance that absolutely cannot work without Jesus. And I’m glad to be working alongside them as I learn and experience a transformation of my heart that only comes from God. I pray you’ll join us as we seek God’s will for our personal finances rather than trying to find ways to justify our own will for our money.