Category Archives: Money / Finances / Wealth

Spending and Debt – The Christmas Hangover

Sharing this message originally written by our partnership website, GrowGodsMoney.org.

Christmas is over and many of us are back at work. This is a good time to reflect on how we celebrate Christmas and brace for the credit card bills that are coming our way in January.  A good time to reflect on the last few weeks and look ahead with a plan for next Christmas.

Most people in our culture get drawn into the heavy marketing and traditions of the season which tell us that we should buy many things for everyone we know in order to show them that we love them or even care about them. As a result, they are facing heavy credit card debt from well-intended spending. For those who put it on a credit card and can not pay it off right away they will now also pay high interest until it is paid off, increasing the bill for the season.

It goes well beyond the money alone. Gift exchanging actually becomes a stressful distraction from those attempting to celebrate Christ at Christmas. It can consume even those with the best intent for one whole month out of every year. It centers gift giving and getting as the important part of celebrating instead of Jesus Christ.

While you are experiencing your Christmas financial hangover, please consider a few alternatives or suggestions for next year.

1- Reduce the number of people for whom you buy gifts.

Buying gifts for everyone you know is not necessary. Instead of buying gifts out of obligation for many with whom you are not close, just make a point to be nice to them all year round. Treat them with kindness and sensitivity and they will know you care for them even if you do not give them a gift. If they only like you when they receive a gift, then they are not really your friend anyway. If you are concerned they will buy for you and you will not have something for them, just have a real conversation with them about managing your expenses and budget responsibly and encourage them not to give something to you. If they are not close enough to you to have this conversation, then why are you even exchanging gifts with them? In some cases, it may be very important to someone close to you to exchange gifts… go ahead if you want to.

2- Reduce how much you spend on each person

Contrary to advertising… you do not need to buy a car, a diamond, gold jewelry, expensive electronics, etc. for people just because it is Christmas. If you don’t show them you love them throughout the year, you will not fool them with an expensive gift in December. For those with whom you want to give or exchange presents, you can set a reasonable budget for each person and then stick to it. This helps you set your overall Christmas budget in a predictable instead of impulsive way.

3- Save up your Christmas budget in advance and avoid credit cards you can not pay back before you have to pay interest.

Once you decide who you will get gifts for and how much to spend, you have a good estimate for your budget planning. Now divide by 11 and start saving it each month starting in January and continuing through November. Inevitably you will still have surprise expenses in December from the season’s activities, so you don’t plan on taking money for gifts from that months budget.

4- You can even consider replacing your current gift exchange traditions with a donation to a charity or family in need… someone you can give to in God’s name with no hope of receiving a gift in return. You will spend less money and honor God more.

5- Simply agree not to exchange presents. Enjoy spending time together without the high expense and extra distraction.

If you find yourself condemning me as “Grinch”… I do not mind. You are not alone, but you are in fact also not correct. If Christmas is all about giving and getting gifts as the centerpiece and focus, then it has nothing to do with Jesus Christ and is simply a pagan festival (e.g. Winter Solstice) where people want to get a lot of expensive stuff from each other. I wholeheartedly and enthusiastically reject giving (and receiving) gifts on the basis of obligation.

The alternative is to recognize that gifts are intended not as the focus, but as a means of showing those closest to us that we were thinking of them. That does not require spending lots of money, despite what our culture would have us believe. Besides, you can  give gifts to those you love any time during the year… it does not all have to be at Christmas.

Many tell us that giving gifts is a tradition originated to honor God’s gift to us in the birth of Jesus Christ or because of the acts of the real man who came to be known as Saint Nicholas. Though many give with this in mind, the fact is that this is not the accurate origin of gift exchange. In fact gift giving to children in late December did not start with Christian origins, but rather as part of a pagan celebration of the sun god, Saturnalia, in ancient Rome. It is easy to research for yourself… even in Christian history encyclopedias such as by Zondervan.

Let’s explore the gift giving tradition further and test if it is even consistent with celebrating Jesus’ birth according to the principles of the Biblical record of that glorious event. Does this tradition point to or honor God, or is it just a tradition of men and a potential distraction from God?

Mary and Joseph did not get gifts for one another or even for Jesus and they knew who He was and that He would be born soon. The shepherds came to celebrate and honor God. They did what they were commanded by God to do… which did not involve bringing gifts. The wise men did not even come when Jesus was born… contrary to common tradition.  Scripture tells us they came and found Jesus in a house, not a manger. Herod killed all the male children two years and younger… not a week and younger, or even a few months and younger. It was likely they arrived over a year after Jesus was born. When they did come, they brought gifts to honor God. They did not exchange gifts with each other, nor did they expect to receive gifts in return from Joseph and Mary. I should not fail to mention that God came down as Jesus to die for us and while this is a great gift, He expects no gift from us in return.

So if you really want to focus on giving gifts to honor Christian traditions… give in a way that honors God to those who will not be able to give anything in return and convince others to do the same. You will honor God more, find more joy instead of stress, and spend less.

If suggestions number 4-5 seem overwhelming… start with suggestions number 1-3. The less focus you put on gift exchange, the more focus you will find is available to consider God’s gift to us in the person of Jesus Christ. You will have more time and less stress to enjoy the holidays and hopefully next year you will not have the Christmas hangover in January.

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Have you submitted your life to Jesus Christ? If you die today, do you know for sure that you would be with God in heaven? Learn more about salvation through The Message of the Cross.

Steward Well What Yahweh Entrusts to You

Reading in 2 Kings 12, we find ourselves in the middle of another “page turning” story. It is engaging and full of significant action. It drives home the importance of good stewardship and organization for accomplishing what Yahweh entrusts to us.

To reconnect with the context, in 2 Kings 11 Jehoiada, a priest, sets Joash on the throne as king. He was restoring the kingdom to a rightful heir after Athaliah had murdered many of her own grandchildren to take the throne. Joash was seven years old when he became king and did right in the sight of the LORD while Jehoiada instructed him.

2 Kings 12

Joash (Jehoash) Reigns over Judah

      1In the seventh year of Jehu, Jehoash became king, and he reigned forty years in Jerusalem; and his mother’s name was Zibiah of Beersheba. 2Jehoash did right in the sight of the LORD all his days in which Jehoiada the priest instructed him. 3Only the high places were not taken away; the people still sacrificed and burned incense on the high places.

The Temple to Be Repaired

      4Then Jehoash said to the priests, “All the money of the sacred things which is brought into the house of the LORD, in current money, both the money of each man’s assessment and all the money which any man’s heart prompts him to bring into the house of the LORD5let the priests take it for themselves, each from his acquaintance; and they shall repair the damages of the house wherever any damage may be found.”

      6But it came about that in the twenty-third year of King Jehoash the priests had not repaired the damages of the house. 7Then King Jehoash called for Jehoiada the priest, and for the other priests and said to them, “Why do you not repair the damages of the house? Now therefore take no more money from your acquaintances, but pay it for the damages of the house.” 8So the priests agreed that they would take no more money from the people, nor repair the damages of the house.

      9But Jehoiada the priest took a chest and bored a hole in its lid and put it beside the altar, on the right side as one comes into the house of the LORD; and the priests who guarded the threshold put in it all the money which was brought into the house of the LORD10When they saw that there was much money in the chest, the king’s scribe and the high priest came up and tied it in bags and counted the money which was found in the house of the LORD11They gave the money which was weighed out into the hands of those who did the work, who had the oversight of the house of the LORD; and they paid it out to the carpenters and the builders who worked on the house of the LORD12and to the masons and the stonecutters, and for buying timber and hewn stone to repair the damages to the house of the LORD, and for all that was laid out for the house to repair it. 13But there were not made for the house of the LORD silver cups, snuffers, bowls, trumpets, any vessels of gold, or vessels of silver from the money which was brought into the house of the LORD14for they gave that to those who did the work, and with it they repaired the house of the LORD15Moreover, they did not require an accounting from the men into whose hand they gave the money to pay to those who did the work, for they dealt faithfully. 16The money from the guilt offerings and the money from the sin offerings was not brought into the house of the LORD; it was for the priests.

      17Then Hazael king of Aram went up and fought against Gath and captured it, and Hazael set his face to go up to Jerusalem. 18Jehoash king of Judah took all the sacred things that Jehoshaphat and Jehoram and Ahaziah, his fathers, kings of Judah, had dedicated, and his own sacred things and all the gold that was found among the treasuries of the house of the LORD and of the king’s house, and sent them to Hazael king of Aram. Then he went away from Jerusalem.

Joash (Jehoash) Succeeded by Amaziah in Judah

      19Now the rest of the acts of Joash and all that he did, are they not written in the Book of the Chronicles of the Kings of Judah? 20His servants arose and made a conspiracy and struck down Joash at the house of Millo as he was going down to Silla. 21For Jozacar the son of Shimeath and Jehozabad the son of Shomer, his servants, struck him and he died; and they buried him with his fathers in the city of David, and Amaziah his son became king in his place.

Verses 2 and 3 highlight that Joash did right while having benefit of the instruction of the priest who helped him. He was young and he listened to council. However, we see that he failed to remove the high places where false worship took place, even as he worked to restore the house of Yahweh. It would seem that Joash and Jehoiada had a blind spot regarding either the need or the courage to remove the high places. In the end Joash delivers mixed results… some good and some disappointing.

Digging further in the passage, we see a powerful example regarding the importance of how we steward and organize ourselves to accomplish tasks for the LORD.

When they started collecting money and giving it to the priests to restore the temple, they took the money and never made repairs. Perhaps they did not have the skills or the time? Perhaps they were simply not held accountable. I do not know how long before they had to face stewardship by the King, but it took that to get the repairs on the right path. They had to make a change after assessing the first approach and then have the money directly paid to the workmen to make the repairs. This was more successful. It is a good reminder that stewardship is necessary to ensure we get the expected outcomes even within ministry. It may not be by wickedness that it fails, but it could be we do not have the right organizational structure and approach for the task at hand.

It is interesting to note that the workmen did not require detailed stewardship. They were faithful. So let us not assume we need to micro manage everything in order to be successful either. We need to assess each situation and evaluate the right level of stewardship. We do need to validate progress and results are as expected in some manner.

As part of stewardship when you have something valuable, you also need to think about security to protect it. In this case Joash did not have an army prepared to defend that which he was investing in to restore. They lost many valuable objects as payment for the hostile king to leave.

Overall we see mixed results in Joash’s leadership. He had some good and some bad. We can learn from both. Sadly, when Jehoiada died, Joash acted wickedly, but we can study that more when we get to 2 Chronicles 24, which gives more history on Joash.

I invite you to pray with me:

Father, please open my eyes to what you want me to accomplish on your behalf. Give me the wisdom and courage and help from others I need to boldly and effectively pursue what you call me to do. Please remove any blind spots for areas in which I do not see clearly the wickedness still present in my family or my self as we have been blended with the culture around us. Thank you for being with us and for your grace and mercy to love us even when we are not perfect in accomplishing all that you desire. 

Shalom

Devotion by John in service to Christ

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Do you know for sure if you will go to heaven or hell when you die? Are you experiencing in your life the peace and joy of a personal relationship with our Creator and Father? Learn more about salvation through The Message of the Cross.

Avoid The Christmas Hangover – Spending, Debt, and Stress

Christmas is a holiday with many competing areas of focus. Some manage to stay focused on the Lord, but there are many distractions. Some focus on family, but one can easily get caught up in a month long stress about the “perfect holiday” and “who is or is not coming” and “do we have the perfect gifts for everyone”,  etc. I have seen people who strive to genuinely follow Jesus yield a month of every year to stress associated with the Christmas holiday.

Others get lost in debt, convinced by marketing and our culture that to celebrate Christmas requires spending lots of money, often money they don’t have. For the record, even “good sales” cost you money unless you were going to buy that item anyway. It costs even more if you buy other stuff along with the thing that was on sale. That is why the companies selling you things run the sales… to make money, not to save you money! Often this debt creates stress that lasts for months after Christmas is over as the credit card bills roll in.

Rather than waiting for that after Christmas “hangover” to set in along with the credit card bills and extra 5 pounds you put on by eating too much… consider challenging some of the holiday cultural norms.

1- Reduce the number of people for whom you buy gifts.

Buying gifts for everyone you know is not necessary. Instead of buying gifts out of obligation for many with whom you are not close, just make a point to be nice to them all year round. Treat them with kindness and sensitivity and they will know you care for them even if you do not give them a gift. If they only like you when they receive a gift, then they are not really your friend anyway. If you are concerned they will buy for you and you will not have something for them, just have a real conversation with them about managing your expenses and budget responsibly and encourage them not to give something to you. If they are not close enough to you to have this conversation, then why are you even exchanging gifts with them? In some cases, it may be very important to someone close to you to exchange gifts… go ahead if you want to.

2- Reduce how much you spend on each person

Contrary to advertising… you do not need to buy a car, a diamond, gold jewelry, expensive electronics, etc. for people just because it is Christmas. If you don’t show them you love them throughout the year, you will not fool them with an expensive gift in December. For those with whom you want to give or exchange presents, you can set a reasonable budget for each person and then stick to it. This helps you set your overall Christmas budget in a predictable instead of impulsive way.

3- Save up your budget in advance and avoid credit cards you can not pay back before you have to pay interest.

Once you decide who you will get gifts for and how much to spend, you have a good estimate for your budget planning. Now divide by 11 and start saving it each month starting in January and continuing through November. Inevitably you will still have surprise expenses in December from the season’s activities, so you don’t plan on taking money for gifts from that months budget.

4- You can even consider replacing your current gift exchange traditions with a donation to a charity or family in need… someone you can give to in God’s name with no hope of receiving a gift in return. You will spend less money and honor God more.

If you find yourself condemning me as “Grinch”… I do not mind. You are not alone, but you are in fact also not correct. If Christmas is all about giving and getting gifts as the centerpiece and focus, then it has nothing to do with Jesus Christ and is simply a pagan festival where people want to get a lot of expensive stuff from each other. I wholeheartedly and enthusiastically reject giving (and receiving) gifts on the basis of obligation.

The alternative is to recognize that gifts are intended not as the focus, but as a means of showing those closest to us that we were thinking of them. That does not require spending lots of money, despite what our culture would have us believe. Besides, you can  give gifts to those you love any time during the year. You do not need Christmas as an excuse to give a present.

Many tell us that giving gifts is a tradition originated to honor God’s gift to us in the birth of Jesus Christ or because of the acts of the real man who came to be known as Saint Nicholas. Though many give with this in mind, the fact is that this is not the accurate origin of gift exchange. In fact gift giving to children in late December did not start with Christian origins, but rather as part of a pagan celebration of the sun god, Saturnalia, in ancient Rome. It is easy to research for yourself… even in Christian history encyclopedias such as by Zondervan.

Let’s explore the gift giving tradition further and test if it is even consistent with celebrating Jesus’ birth according to the principles of the Biblical record of that glorious event. Does this tradition point to or honor God, or is it just a tradition of men and a potential distraction from God?

Mary and Joseph did not get gifts for one another or even for Jesus and they knew who He was and that He would be born soon. The shepherds came to celebrate and honor God. They did what they were commanded by God to do… which did not involve bringing gifts. The wise men did not even come when Jesus was born… contrary to common tradition.  Scripture tells us they came and found Jesus in a house, not a manger. Herod killed all the male children two years and younger… not a week and younger, or even a few months and younger. It was likely they arrived over a year after Jesus was born. When they did come, they brought gifts to honor God. They did not exchange gifts with each other, nor did they expect to receive gifts in return from Joseph and Mary. I should not fail to mention that God came down as Jesus to die for us and while this is a great gift, He expects no gift from us in return.

So if you really want to focus on giving gifts to honor Christian traditions… give in a way that honors God to those who will not be able to give anything in return and convince others to do the same. You will honor God more, find more joy instead of stress, and spend less.

If suggestion number 4 seems overwhelming… start with suggestions number 1-3. The less focus you put on gift exchange, the more focus you will find is available to consider God’s gift to us in the person of Jesus Christ. You will have more time and less stress to enjoy the holidays and hopefully you will not have the Christmas “hangover” in January.

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Have you submitted your life to Jesus Christ? Are you living today filled with the peace and joy of truly knowing and following Jesus Christ? Learn more about salvation through The Message of the Cross.

Consider The Effects of Our Choices on Others

Yeshua set a perfect example in so many ways they can’t be counted. Scripture is rich with application in our lives today in nuanced areas many overlook.

In Matthew 17, we see Yeshua confronted with what could be described as an awkward situation. He is confronted by others to pay a tax (to the temple, not Caesar) from which He is actually exempt. Jesus is very aware of creating a stumbling block for others and puts less emphasis on claiming His right to not pay.

Matthew 17:24-27

The Tribute Money

      24When they came to Capernaum, those who collected the two-drachma tax came to Peter and said, “Does your teacher not pay the two-drachma tax?” 25He said, “Yes.” And when he came into the house, Jesus spoke to him first, saying, “What do you think, Simon? From whom do the kings of the earth collect customs or poll-tax, from their sons or from strangers?” 26When Peter said, “From strangers,” Jesus said to him, “Then the sons are exempt. 27“However, so that we do not offend them, go to the sea and throw in a hook, and take the first fish that comes up; and when you open its mouth, you will find a shekel. Take that and give it to them for you and Me.”

Before we get to Yeshua’s example in this scripture, a few things about the weakness of man show up we can reflect on as well.

It appears the collectors of the temple tax wasted no time in coming to find new visitors and ask them to pay the tax. There is no record here of a welcome or greeting of any kind but rather the focus is clearly on collecting their money. This behavior is not the model to follow.

Peter is caught off guard and appears to lie when confronted with the situation, as he was not sure how to respond.  It is worth noting, that if the Bible were a false record made up just to convince people Yeshua was God then the disciples and followers would not honestly document so many times when they responded in the wrong way and made mistakes. These parts of scripture actually proclaim loudly the truth of the Biblical text.

When Peter approaches Yeshua, likely trying to figure out how to broach the subject, Yeshua already knows what happened and brings up the subject Himself. Just one more example indicating He is God and not just man.

At this point it is worth noting that the temple tax was deemed a measure of atonement for sin. As Yeshua was free from sin, He could have rightly refused to pay it. Additionally, Yeshua makes the point that God does not tax Himself anymore than a King taxes himself or His sons, and thus Yeshua would again be exempt.

However, Yeshua was aware that refusing to pay the temple tax may stumble some and discourage them from following Him. The greater purpose directed Him to pay the tax even though He was exempt.

We also see clearly that Yeshua could have easily paid the tax without having this discussion with Peter. We see at the end how easily He provided money when needed… and in such a memorable way.  It was not about the money. Jesus wanted to use this as a teachable moment for Peter and His other disciples and eventually all who read the Bible for generations to follow.

Each of us should prayerfully reflect… when we decide whether or not to do something, do we only consider what is best for us or do we also consider how it may affect others? (e.g. Yeshua paid the tax not because He was required to but because He did not want to stumble others.)

Shalom

Devotion by John in service to Christ

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Do you know for sure if you will go to heaven or hell when you die? Are you experiencing in your life the peace and joy of a personal relationship with our Creator and Father? Learn more about salvation through The Message of the Cross.

What Did Yeshua Tell His Disciples Before Sending Them Out?

What did Yeshua tell His disciples before sending them out? Some of this is directed specifically at the 12, and not everyone, and some of it applies to all of us still today.

Matthew 10:1-15

The Twelve Disciples; Instructions for Service

      1Jesus summoned His twelve disciples and gave them authority over unclean spirits, to cast them out, and to heal every kind of disease and every kind of sickness.

      2Now the names of the twelve apostles are these: The first, Simon, who is called Peter, and Andrew his brother; and James the son of Zebedee, and John his brother; 3Philip and Bartholomew; Thomas and Matthew the tax collector; James the son of Alphaeus, and Thaddaeus; 4Simon the Zealot, and Judas Iscariot, the one who betrayed Him.

      5These twelve Jesus sent out after instructing them: “Do not go in the way of the Gentiles, and do not enter any city of the Samaritans; 6but rather go to the lost sheep of the house of Israel. 7“And as you go, preach, saying, ‘The kingdom of heaven is at hand.’ 8“Heal the sick, raise the dead, cleanse the lepers, cast out demons. Freely you received, freely give. 9“Do not acquire gold, or silver, or copper for your money belts, 10or a bag for your journey, or even two coats, or sandals, or a staff; for the worker is worthy of his support. 11“And whatever city or village you enter, inquire who is worthy in it, and stay at his house until you leave that city. 12“As you enter the house, give it your greeting. 13“If the house is worthy, give it your blessing of peace. But if it is not worthy, take back your blessing of peace. 14“Whoever does not receive you, nor heed your words, as you go out of that house or that city, shake the dust off your feet. 15“Truly I say to you, it will be more tolerable for the land of Sodom and Gomorrah in the day of judgment than for that city.

Clearly Yeshua has authority over unclean spirits and healing the sick. Take note these are two different afflictions. The are mentioned separately. In this scripture, He gave authority over this to the twelve, not to all followers for all times.

Yeshua instructed the twelve to only go to the lost sheep of Israel and not to the Gentiles. We receive instruction further on in the Bible where we are told to go to all the nations, so for us, we know to go to everyone (Matthew 28:19). Yeshua went first to the lost sheep of Israel. When the message was rejected there, he went out to others (Matthew 22:1-14).

There was clear instruction to give freely what you have received from God freely. They were not supposed to charge for healing and casting out demons. They were instructed not to acquire wealth on this mission. However there is also a note that they should not bring extra provisions as the “worker is worthy of his support”. There was an expectation that the people being brought the good news would support them as messengers from Yahweh.  This one is interesting to split how to apply today generally vs. specifically to the twelve. I think it is clear those with healing power are not to charge others for it and make money off it. It also seems reasonable to accept basic support from those to whom you are preaching the message of the gospel. Of course, we know from elsewhere in scripture that Paul did not accept money to support him (at least not in Corinth) while on his missionary journeys (1 Corinthians 9:8-14). Paul reinforces that the LORD said that one who proclaims the gospel can make their living from doing so, but also chose not to personally because he thought it would hinder the gospel, perhaps specific to the situation in Corinth. I think this applies to us today as well as to the twelve. However, the emphasis is that they should not get wealthy by healing. It also implies to me that there is an expectation that one who preaches the gospel is not accumulating great wealth by doing so, but simply making a living… and some may choose even to “self fund” by having a day job as similar to Paul.

Lastly, we see that where the messengers are not received, they are to move on. This applies still to us today. We are not to simply stay at one place trying to force people to convert. Generally speaking we are to shake the dust from our sandals and move on to the next village, which may receive us. Many can get consumed trying to force a single “conversion” of someone. However, their efforts may be more effective if they moved on to others who are prepared to receive the message. Of course, if Yahweh directs you to stay in one tough situation where the message is directed, then do so.

Please do not overlook the faith and courage that was required of the twelve as they went out and took nothing extra and trusted in the instructions of the LORD to guide and in the people who received them to provide. Imagine yourself in that position to get a better feeling for what they experienced.

Prayerfully reflect on the instructions Yeshua gave His disciples before sending them out and write down some key ways in which it affects you in your life. Ask the Father to help you in how to apply it to your life today.

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Do you know for sure if you will go to heaven or hell when you die? Are you experiencing in your life the peace and joy of a personal relationship with our Creator and Father? Learn more about salvation through The Message of the Cross.