Archive for April 2012

Short-Term Urgent vs Long-Term Significant

I’ve noticed a trend in my life, and perhaps you have seen it as well in your own life.  It seems that things which are short-term urgent tend to trump items which are long-term significant.

Here are two common examples:

  1. Purchase a video game for our child (who already has 85 games) but there is no money saved for his college education
  2. Spend our money at yet another expensive restaurant (only to be hungry again 3 hours later), but refuse to save money for the health insurance deductible even though we know that we WILL get sick someday

This issue is best defeated by having a monthly budget (short-term plan) as well as a fully thought out “Plans, Hopes, and Dreams” list (long-term plan).

When you know the actual dream that is being sacrificed when faced with a short-term urgent item, there is a much greater likelihood that you will overcome that temptation.

QUESTION:  What is the one short-term urgent item in your life that seems to keep destroying your finances and erodes your ability to fund your long-term dreams?

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Seed Costs Money – Mark 4:26

This is a series that appears on a weekly basis here at – “Biblical Financial Lessons”

Seed Costs Money – Mark 4:26-29

26 He also said, “This is what the kingdom of God is like. A man scatters seed on the ground. 27 Night and day, whether he sleeps or gets up, the seed sprouts and grows, though he does not know how. 28 All by itself the soil produces grain—first the stalk, then the head, then the full kernel in the head. 29 As soon as the grain is ripe, he puts the sickle to it, because the harvest has come.”

Most financially broken people fail to recognize the fundamental fact that in order to have a harvest, one must first sow seed.  No matter how much you pray, seek God, call down fire from the heavens, or plead with God to bring you a tremendous harvest, one will have no harvest if seed is not sown.  This is so clear to me because I grew up on a farm.  If we did not invest the time and energy to plant seed in the Spring, there would be no harvest in the Fall.

People get fired up about the idea of a huge harvest, but then they realize that seed costs tremendous money.  For example, special hybrid seed can cost 20 to 30 times what the harvested seed will sell for!

Think about an author who dreamed of having a published book, but no publisher would print it for them.  Without being willing to spend money to self-publish the book, the author would just be standing around hoping for her dream of having a real-life printed book become reality.  BUT if she were willing to spend money to self-publish the book (sowing the seed), the author would be positioned to reap a harvest as the book was sold around the world.

MAIN POINT: Most people remain broke without ever reaping a tremendous harvest because they lust for the harvest, but are unwilling to spend the money necessary to acquire, plant, and cultivate the seed.

Application Questions

  1. Have you saved up money to be able to purchase seed?
  2. Are you actively sowing seed?

Read the series

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Just Because You Say So …

Have you ever firmly believed something only to discover that it was not true?

Santa Claus ring a bell?  The Easter bunny?  Tooth Fairy?

“Santa IS real!” we would exclaim when confronted with the brutal facts.  In others words,Just because you say so, doesn’t mean it is so.”

We might smile about the “oh my goodness!” moments when we discovered that our beliefs were dashed about Santa, but I’ve seen that many people believe things about money that are untrue.  No matter how much a person exclaims, protests, or yells, it won’t change reality.

Here are some common mistaken beliefs people have when it comes to money:

  1. “Even though I have a job, I need to earn more money to be able to actually win financially.”
  2. “I’m too old to win with money.”
  3. “I can maximize my money even though I do not have a budget.”
  4. “Earning money under the table means that I shouldn’t have to pay taxes on it.”
  5. “I can never save and never invest and still retire well.”

Have you ever believed one of these falsehoods?  Any others that you have believed that you later discovered to be untrue?

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U.S. National Debt Update – April 2012

The US National Debt has increased by $177,705,716,826 since our last update on March 13, 2012.  Another month, and the United States has dropped another cool $177 billion in the hole.

National Debt as of 4/22/2012


That is an increase of $4.4 BILLION PER DAY since our last update 40 days ago.

The credit card apparently still has some room …

My question remains:  At what point in time will this type of spending stop?

I believe the answer remains the same – When the citizens of the country as a collective whole start managing their own money responsibly!  When we not only talk the talk but walk the walk!

What are YOUR suggestions for addressing this?

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Funded And Free Church Leadership Conference – LIVE Today

I am so excited that Injoy Stewardship Solutions is hosting the Funded And Free Church Leadership Conference today in Mooresville, NC.  Hundreds of leaders from around the country are gathered together to learn how to have a Fully Funded Vision.

The good news for all church leaders is that our host, The Cove Church, has been able to establish a LIVECAST of the conference!  All you have to do is:

  1. CLICK HERE (or copy & paste the following link:
  2. Fill out the brief registration form

And just like that, you will have INSTANT ACCESS!

So, church leader, jump on in to the conversation!

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