Pride Goes Before the Fall
If I had to take a guess, I would say that one of the most consistent reasons for financial mismanagement in our lives , generally speaking, is the simple sin of pride.
How many times have we started out thinking that we knew what we were doing, whether it was buying a house or shopping at the mall, and when all was said and done..... we ended up spending ( or borrowing ) more than we could afford?
You see it everywhere. In the grocery store, how many of us are too embarrassed to say that we hadn't planned on spending "that much" when we were in the checkout lane but ended up buying it all anyway? Or how about when we hear about a deal that is too good to pass up and plunk down a credit card without bothering to check into it a little more? Better yet, how about the times we get suckered into buying something out of a catalogue that a colleague brought into the office to support their kid's school..... not because we need or want it, but rather because we don't want to say "no" when really that is what we are thinking.
Pride, in one way or another, tends to do us in, doesn't it?
Decisions, decisions
Personally, I have found that one of the best remedies to this problem comes in the form of prayer. Not the falling on the ground beseeching the Almighty type of prayer, but simple honest prayer as it pertains to my decision making processes.
For example, if I am faced with a financial decision that goes beyond buying a stick of gum, opening myself up to a minute of prayer on my way into the store helps me to keep my heart in place. The same goes for those larger financial decisions like buying a car or considering adoption.
Basically, one of the easiest ways that we can begin changing our attitude about our finances is to make prayer a daily habit in our lives. Not just when we get ready to sit down to eat or before we go to bed, but in one of those moments when we need the time with God the most: When we need wisdom and guidance in making financial decisions.
Before going into the store. Before opening that application for a new credit card. Before saying "yes" to an aggressive salesperson.
Sound corny?
Not at all. By wisdom a house is built. Where else could wisdom come from but from the Lord?




Consistency
Job 1:5 "...Job would rise up early in the morning and offer burnt offerings....thus Job did with consistency."
Creating a pattern, or a habit if you will, of managing our finances can be daunting but well worth it. Whether you are creating financial plans, setting up a budget and sticking with it, or even bargain shopping to help make ends meet. All of these and more require commitment and regular attention. This consistency is what helps our financial goals become financial achievements.
Intention
1 Chronicles 29:17 "I know, my God, that you test the heart and are pleased with integrity. All these things have I given willingly and with honest intent."
Rather than just letting things go in whatever direction life seems to take us financially, a good steward participates in managing intentionally that which we have been given. Only by focusing our attention on what we have can we begin to take care of it. Stewardship begins, then, with recognizing what it is that we have. What it is that we have been given charge of, and looking frequently at how to best protect, preserve, and develop our knowledge and resources.
Discernment
Genesis 41:39 "...there is no one so discerning and wise as you ...."
One of the hardest skills to develop, discernment required learning and wise counsel. It becomes too easy for us to rely simply on ourselves to make decisions and unless we have the right skills it can become very apparent if we lack discernment in our financial management. We can begin making bad decisions, expose ourselves to unnecessary risk, or fail to see opportunities for growth. Discernment requires the ability to pick through things that can be confusing or misleading and then moving toward the right decision.

ion than it deserves.

Every once in a while I am given a reminder of what my life is really about. It’s not about money, it’s not about fame or prestige or even success at work. It’s not even about accomplishing all of the things that I wan to do in life.
It is about saving my time so that I can share it with others in ways that are important to them.

My son drew me a picture the other day. It’s not much to look at, but to me it holds a special meaning. You see, by watching me, he learned how to draw one of his most favorite things in the whole wide world; a construction crane.
Now I don’t recall exactly when it was that I drew it for him the first time as I tend to doodle a lot. But I know that he watched me show him the basics: tires, cabin, crane mechanism ( likely there is a real name for this but my knowledge of construction comes from what I see when I am stuck in traffic behind street pavers or dodging orange cones on my way to the mall ! ). From there he learned about steam rollers and all of the other fun things that he recognizes from watching Bob the Builder.
And he learned that he was important.
Just as he was learning how to draw a mixing truck, he was also learning about his value and worth in the world, as part of our family, and before God. Just a little of my time shapes who he is daily growing to become.
Memories. Love. These are the irreplaceable things of life. And it is by these things that our children are profoundly influenced.
What are you living for?
“I have no greater joy than this, to hear of my children walking in the truth.” (3 John 1:4)
There are any number of sermons that highlight how to be of an influence to the next generation. How we, as parents and family members, can give them courage to face a world that keeps getting darker and more unbalanced. What are some ways that we call all help them grow?
Understand your time.
Most of us probably have “too much” to do on the average day. I know I do. So reminders like my son’s picture are good for me to remember my real goals in life. What about you? What memories or moments help bring you back into focus?
For me, they decorate my refrigerator.
At some point, the days of children will all move on into the land of memories, so hold on to them while you can. Build into them what you know. Honor them with what you are.
Even if you start with watching Bob the Builder.
Recognizing The Directions God Has Given Us
Without a good sense of direction and purpose.... well, life just becomes harder.
Who says men can't follow directions ??
I once had to assemble a rather large piece of furniture that I had ordered from a store the week before. When the box arrived, I picked it up from the warehouse, brought it home and tore into it. After struggling with the box for a couple of minutes ( who invented those giant staples anyway ?), I pulled out the directions and very carefully laid out each piece of wood, matching them by size and shape.
Finally, with my disassembled furniture laid out in as orderly a fashion as I could manage, I gathered some tools and sat down in the middle of the pile with the freshly unfolded directions.

Problem? They were in French.
I don't read French.
I had a pile of wood, bolts, and plastic widgets..... and a set of French directions.
Suffice to say, French wasn't quite the language that I was looking to use right about that time.
The remedy? The pictures in the directions.
By looking thoroughly at each one, I was able to match up pieces with the sketches in each stage of the process. Two and a half hours later I had my newly assembled furniture completed and ready to be used.
Had the directions been in English ( can you expect that in today's PC world??? ) I would have finished in half the time ( and not been left wondering if the extra bolts left over were truly extras of not ! ). So while the directions, or the pictures at least, were faily detailed, the ability to understand what the actual steps involved would have been far better.
Thankfully, our directions aren't in French!
The Apostle Peter, in his first letter to the believers in
“...long for the unadulterated spiritual milk of the Word of God”
Pourquoi ? ( That's "why" for all you non-French speakers )
I think that there are a couple of different reasons, but one of them is what Peter said in verse 12: “…so that in the thing in which they ( non-believers) slander you for doing it, may they do so for your good deeds, as they observe them, so that they will glorify God in the day of judgment.”
By following the directions, we help others to see how being an "aliens and stranger" of this world
brings glory to God, even if we don't fully understand it.
So God
saved us “…so that you may
proclaim the excellencies of Him who called you out of darkness….” (1 Peter
2:9). We are here
not to serve ourselves but rather to serve others.
Interesting how having the directions can make all the difference.
