Archives For personal finance Bible study

Personal Finance Bible Study: Work (Part 3 of 15) – Providing for Our Needs

Corey —  October 21, 2010

       We’ve already seen that God desires Christians to work hard as a way to glorify His name. But that’s not the only reason He calls us to work. There is value in hard work, and these tangible benefits are impossible to achieve without effort. Today, we’ll look at how hard work provides for our material needs.

Will Work for Food

       With the money we earn from work, we can buy the things we need. Food and water, shelter, clothing, fuel for warmth in the winter, and other necessities can only be obtained when we are willing to work for them. This could mean earning the money to buy those things, or putting in the time and effort to make or produce those things ourselves. Unless we are willing to work hard, we will not get the things we need to survive.

       One who works his land will have an abundance of food; but one who chases fantasies will have his fill of poverty.

Proverbs 28:19 (WEB)

       Working hard with what God gave us will provide an abundance for our needs. But sitting around talking about what we could do or will do brings us nothing but poverty. This clear advice from Proverbs tells us that we need to focus on actually doing the needed work instead of chasing fantasies. Those dreams of getting easy riches from the stock market or some get-rich-quick scheme will bring you no closer to actually meeting your needs.

       In all hard work there is profit, but the talk of the lips leads only to poverty.

Proverbs 14:23 (WEB)

       Hard work will provide for our needs. Talking about our needs and how we wish we had the money to get the things we need does absolutely nothing to bring us closer to meeting our needs. God’s wisdom has not changed throughout the ages – this is as true today as it ever was in the past.

       Before I go much further, I want to stop and look at what our needs really are. When I’m talking about needs, I mean the things we actually need to survive. Food, clothing, a place to live, a way to stay warm in the winter, transportation to our jobs (if necessary), etc. – these are things required to survive. Cell phones, cable/satellite, entertainment, eating out, internet, and other things that aren’t absolutely necessary for our survival are luxuries or wants. We’ve forgotten these definitions of needs and wants in the U.S., but spend any amount of time learning about living conditions in third-world countries and you’ll start to realize how easy we have it here.

       It’s important we understand the difference between needs and wants when we start talking about budgeting or giving. Part of denying yourself and taking up your cross is realizing what the “wants” are in your life and choosing to forgo those in order to help the poor. In some cases, this may even mean helping yourself. If you’re struggling to get by every week and keep going deeper in debt, one of the first things you need to do is break down your expenses into absolute needs and unnecessary wants. Eliminating the wants can give you the cash flow you need to make it to the next week and begin getting out of debt.

       Once we know what our real needs are, we know what our soul desires and requires to survive. Then, through hard work we can meet the desires of our soul:

       The soul of the sluggard desires, and has nothing, but the desire of the diligent shall be fully satisfied.

Proverbs 13:4 (WEB)

       God can bless us and fully satisfy our needs. But we must be willing to work hard instead of sitting around waiting for God to hand everything over to us. Working hard is no guarantee that we’ll get everything we want. But God promises to meet our needs if we diligently work and trust in Him.

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Redefining Riches – Generosity: A Labor of Love

Corey —  October 19, 2010

Redefining Riches       My friend Rob Kuban at Dollars and Doctrine has recently released a four lesson Sunday school series called Redefining Riches. I’ve had the chance to review it and I can tell you it’s an excellent introductory course to the core principles of a Biblical approach to finances. If you’re looking for something related to finances to do in your Sunday school class or small group, I highly recommend this as a starting place. (I’m not getting paid to say this, and I don’t earn anything if you buy it. I just believe Rob’s put together a great resource with a heart for helping people understand Biblical truths about God’s desires for our finances.) It’s only $3.99 for all four lessons, which includes PowerPoint slides, leader’s guides, and handouts. You can print as many copies as you need for your group, so it’s a great deal.

       Today’s post is from the content in the lesson on generosity, which I’ve reprinted with Rob’s permission. I’m not devaluing Rob’s work because the value of buying Redefining Riches is in having the lessons already prepared for you along with the PowerPoint slides. You’ll get a good idea of the content by reading the excerpts I’ll share, but you’re still missing out on some additional content Rob includes as well as the leader’s guides and handouts.

Generosity: A Labor of Love

       Generosity is the result of a transformed heart.

       “Each one must do just as he has purposed in his heart, not grudgingly or under compulsion, for God loves a cheerful giver.” (2 Corinthians 9:7)

       God loves a cheerful giver and if we let Him, He will cultivate a joy in generosity within our own hearts. This is how we learn to give with pure motives and pure hearts. We are wasting our money and embittering our hearts when we give out of guilt or obligation. As we allow Christ to transform our hearts, we joyfully give first, proportionally, secretly and sacrificially. (See Also: Proverbs 3:9-10, 1 Chronicles 29:5-9, Acts 11:29)

       Generosity is a lifestyle of giving and loving fully.

       “Remember the words of the Lord Jesus, that He Himself said, ‘It is more blessed to give than to receive.'” (Acts 20:35)

       The call to generosity is hardly limited to the offering plate. We are called to be generous people. We should gladly choose to be generous with our money, time, energy, talents, gifts, and on, and on. Generosity, when understood Biblically, is a way of life. (See Also: Galatians 1:3-4, John 15:13)

       Generosity is a spring of life to those who give Biblically.

       “Instruct those who are rich in this present world…to do good, to be rich in good works, to be generous and ready to share…so that they may take hold of that which is life indeed.” (1 Timothy 6:17-19)

       The Bible teaches that it is better to give than to receive. We are told that generosity is one component of taking hold of “that which is life indeed”. When we give, we live as Christ calls and love others well. When we withhold, we follow the world’s idolization of consumption and love ourselves well. (See Also: Luke 6:38, Philippians 4:17, Proverbs 11:25, Proverbs 22:9, Proverbs 28:27)

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Personal Finance Bible Study: Work (Part 2 of 15) – Called to Work

Corey —  October 14, 2010

       In the last part of this series, we looked at how God created us to work and our need to work. Today, we’re going to look at God’s call for Christians to work hard.

Glorifying God with Our Work

       There are many examples in the Bible where God calls us to good works for His glory. However, we’re going to look at a few that specifically pertain to our temporal work as a means of glorifying God.

       In 1 Thessalonians, Paul encourages the church at Thessalonica to lead lives that will set a good example to those outside the church:

       11 …and that you make it your ambition to lead a quiet life, and to do your own business, and to work with your own hands, even as we instructed you; 12 that you may walk properly toward those who are outside, and may have need of nothing.

1 Thessalonians 4:11-12 (WEB)

       When we work hard and lead respectable lives we glorify God’s name. We show people the fruits of the Spirit within our lives and give them no reason for attacking the Church because of our actions. Our honest work also provides for our needs and beyond, enabling us to honor God by giving to the needs of others as well:

       34 You yourselves know that these hands served my necessities, and those who were with me. 35 In all things I gave you an example, that so laboring you ought to help the weak, and to remember the words of the Lord Jesus, that he himself said, ‘It is more blessed to give than to receive.’

Acts 20:34-35 (WEB)

       We ought to work hard so that we can support ourselves and have more left over to give to those in need. It is in this way that we can honor Jesus’ teaching to give generously and care for the poor. When we combine our hard work with contentment in Christ, we’ll find that we have even more to give to the poor. If we can be content but continue to earn more, we can do even more in Christ’s name and to the glory of God.

       When we accept Christ, our entire mindset changes. We are no longer concerned only about ourselves and our own needs. Christ’s love in our hearts urges us to do what we can for those in need – even changing those who were thieves into workers for God:

       Let him who stole steal no more; but rather let him labor, working with his hands the thing that is good, that he may have something to give to him who has need.

Ephesians 4:28 (WEB)

       It is with that mindset we should approach all our work. We are no longer working just to meet our own needs (and then our wants) – but we are working so we will have something to give to the needy. And all this is not for our own glory and recognition, but all for the glory and honor of God.

       So let’s remember that when we work, we should work as if we’re working for the Lord. (Colossians 3:23-24) For the fruits of our labor will further the fruits of the Spirit by enabling us to give more and more in Christ’s name. And it is in this way that our work can glorify God.

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Redefining Riches – Stewardship: A Work of Faith

Corey —  October 12, 2010

Redefining Riches       My friend Rob Kuban at Dollars and Doctrine has recently released a four lesson Sunday school series called Redefining Riches. I’ve had the chance to review it and I can tell you it’s an excellent introductory course to the core principles of a Biblical approach to finances. If you’re looking for something related to finances to do in your Sunday school class or small group, I highly recommend this as a starting place. (I’m not getting paid to say this, and I don’t earn anything if you buy it. I just believe Rob’s put together a great resource with a heart for helping people understand Biblical truths about God’s desires for our finances.) It’s only $3.99 for all four lessons, which includes PowerPoint slides, leader’s guides, and handouts. You can print as many copies as you need for your group, so it’s a great deal.

       Today’s post is from the content in the lesson on stewardship, which I’ve reprinted with Rob’s permission. I’m not devaluing Rob’s work because the value of buying Redefining Riches is in having the lessons already prepared for you along with the PowerPoint slides. You’ll get a good idea of the content by reading the excerpts I’ll share, but you’re still missing out on some additional content Rob includes as well as the leader’s guides and handouts.

Stewardship: A Work of Faith

       Stewardship is respectful of God as Creator and King.

“For all things come from You, and from Your hand we have given You…O LORD our God, all this abundance that we have provided to build You a house for Your holy name, it is from Your hand, and all is Yours.” (1 Chronicles 29:14,16)

       When we properly understand God’s ownership of all of His creation, we will view ourselves as managers of the resources with which God has entrusted us. Like the parable of the talents, we will seek to utilize our resources according to our master’s desire. The way we handle our money matters. The volume of scripture regarding money and possessions is profound. When we consider how often the Law, the prophets, Christ and the apostles spoke of such things, we can no longer view the way we handle our money as insignificant. (See Also: Psalm 24:1, Psalm 89:11, Deuteronomy 10:14, Romans 11:36, John 3:27, Matthew 25:14-30)

       Stewardship is revealing of our heart’s true treasure.

       “The good man brings out of his good treasure what is good; and the evil man brings out of his evil treasure what is evil.” (Matthew 12:35)

       “Where your treasure is, there your heart will be also.” (Matthew 6:21)

       The way we handle and acquire money reveals a lot about our character and priorities. Are we generous, honest, selfish, content, humble or greedy? How we obtain our money and where it ends up reveals a lot about what we value. Christ constantly spoke of the impact our internal conditions have on our external acts. The use of money is a perfect example of this principle. (See Also: Proverbs 15:6, Luke 16:10)

       Stewardship is rewarding when done Biblically and wisely.

       “Do not store up for yourselves treasures on earth…But store up for yourselves treasures in heaven.” (Matthew 6:19-20)

       We will give an account for how we have managed and invested such a powerful asset. Are we investing in the kingdom or ourselves? The Bible clearly relates that heavenly reward awaits those who choose to invest in the kingdom of God. We must recognize that money has huge amounts of “potential energy” and we will be accountable for how we utilized and where we invested what God has entrusted to us. (See Also: Luke 12:33-34, Luke 14:12-14, Matthew 19:21, Hebrews 11:6)

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Personal Finance Bible Study: Work (Part 1 of 15) – Made to Work

Corey —  October 7, 2010

       In the next part of our Personal Finance Bible Study, we’ll look at God’s desire for Christians to work hard and diligently. While contentment helps us to spend less money, hard work helps us to earn more money. When combined, these two values create a powerful force for giving generously in God’s name.

       We’ll begin this part of the Personal Finance Bible Study by looking at God’s call for Christians to work. Next, we’ll talk about the value of work in our lives. Then we’ll look at the dangers of too much rest, followed by the need for rest. We’ll finish up by discussing God’s business values and ethics so we can honor Him in our work.

We Were Made to Work

       From the very beginning of Creation, part of our purpose was to work. When God created Adam, we see that He assigned Adam the task of working in the garden of Eden:

       Yahweh God took the man, and put him into the garden of Eden to dress it and to keep it.

Genesis 2:15 (WEB)

       Part of the way we honor and worship God is by working to glorify Him. God created Adam and put him in the garden to work. Our human nature has not changed since then. We still need to work to honor God. Our work may look very different from Adam’s, but there is still work we must do.

We Need to Work

       Government aid programs aside, we cannot survive for long if we do not work. If we do not work, we cannot earn money. (All forms of income require work at some point in time.) It’s as simple as sowing and reaping. If you don’t plant a garden in the spring, you’re not going to have vegetables growing in your back yard in the summer. It’s also true that the harder we work, the more likely we are to find success. Solomon gives this advice clearly in Ecclesiastes:

       4 He who observes the wind won’t sow; and he who regards the clouds won’t reap. 5 As you don’t know what is the way of the wind, nor how the bones grow in the womb of her who is with child; even so you don’t know the work of God who does all. 6 In the morning sow your seed, and in the evening don’t withhold your hand; for you don’t know which will prosper, whether this or that, or whether they both will be equally good.

Ecclesiastes 11:4-6 (WEB)

       Many of us find security in having a paying job with a regular paycheck, but we also know that there are no guarantees. Just because you have a job today doesn’t mean you’ll have it tomorrow. This is not to say that we should live in fear, but we really do not know what the future holds. Solomon encourages us to continue working in the evening hours so we have something to fall back on if our primary work falls through. Start your own business part-time, and if you lose your regular job you’ll have something to fall back on. Or maybe they’ll both do well and you’ll prosper even more.

       I’m not saying we should all go out and become workaholics. The advice Solomon gives here is more along the lines of diversifying your sources of income. If you rely completely on your regular paycheck and you lose that, it’s going to hit you pretty hard. But if you have multiple sources of income, losing one of them won’t hurt you quite as badly.

       We see between these two verses that we are made to work and we need to work. Next, we’ll look at how our work glorifies God.

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Personal Finance Bible Study: Contentment Is Wealth (Free E-book!)

Corey —  September 30, 2010

       As promised in my post summarizing the Contentment Bible study, here is your free e-book to download and share with anyone you like. In addition, the “Contentment is Wealth” e-book is 52 pages including the title page and table of contents. I even added some questions for reflection. You’re definitely getting your money’s worth here, folks! Click the picture of the e-book below to download the PDF file. Let me know what you think in the comments!!!

Contentment Is Wealth

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Personal Finance Bible Study: Contentment (Summary)

Corey —  September 30, 2010

       This post is a short summary of the Personal Finance Bible Study on Contentment. It contains links to all the articles in this Bible study. You can also read about Bible verses on contentment here.

The World’s Message

       The World’s Message
       The Problem with the World’s Message
       The Solution to the Problem

       In the first three parts of this Bible study on Contentment, we looked at the World’s message. “If we get more of the stuff the World has to offer, we’ll be happy and satisfied.” We then looked at the problem with the World’s message—it keeps us from serving God, and it has no eternal reward. Finally, we looked at the solution to this problem—giving God our hearts and allowing Jesus to fully live through us.

Getting God’s View

       Getting God’s View (Part 1)
       Getting God’s View (Part 2)
       Getting God’s View (Part 3)

       In the next three parts, we looked at God’s View of the world, money, and our lives so we can focus on serving Him instead of serving Money. First, our focus on the Things of This World keeps us from seeing the importance of love and relationships. This keeps us from fully serving God. Second, we must focus on storing up treasures in heaven rather than on Earth because that will show whether our hearts belong to God or Money. If we let the concerns of this life take priority over the concerns of eternal life, we will be unfruitful. Finally, we learned that everything belongs to God. And even though these ideas go against our human nature, it’s not worth gaining the whole world (being rich) if we end up losing our souls.

Practical Applications

       Practical Applications (Part 1)
       Practical Applications (Part 2)
       Practical Applications (Part 3)
       Practical Applications (Part 4)

       The next four sections are about the practical applications of God’s View and Contentment in our lives. First, we looked at how we should focus on God instead of being worried about our Earthly lives. This means we’re more worried about doing good and showing love than earning money and gaining wealth. We also learned that if we follow Jesus’ teaching we will receive a great reward (though probably not monetary). Second, we learned that we don’t have to be concerned about our needs because God has promised to always be with us. Third, we looked at how we should react in all circumstances and the importance of asking God for our daily bread—just enough. Finally, we learned that we shouldn’t wear ourselves out trying to get rich. And if we are rich, we should be very generous and doing good so that we don’t trust in Money but in God alone.

The Results

       The Results (Part 1)
       The Results (Part 2)

       In the last two sections, we looked at the results of God’s Contentment in our lives. First, we learned that we will delight God, really enjoy life, and always have God as our strong tower—our protector. Then, we learned that God’s Contentment will teach us the secret to happiness in all circumstances and will bring us greater wealth than we can imagine.

Free E-book

       I’ve compiled all of these lessons into a free e-book for anyone to download. I also added some questions at the end of each lesson to help you reflect on the reading. Feel free to share it with family, friends, church members, and anyone else you want. Download your free copy of Contentment Is Wealth: A Bible Study on Contentment now!

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