Crown Daily Devotions

12/13 - Co-Signing

Tue, 13 Dec 2011 01:00:01 EDT

Cosigning means to pledge your assets against the debts of someone else. Scripture specifically forbids this when it speaks of surety or striking of hands. Christians cosign either out of ignorance of what God's Word teaches or out of misguided conviction and guilt. "He who is surety for a stranger will surely suffer for it, but he who hates going surety is safe." (Proverbs 11:15 NASB).

12/12 - Christmas Downscaling

Mon, 12 Dec 2011 01:00:00 EDT

Christmas down scaling suggestion: Exchange gift lists to discourage duplication. "For by grace you have been saved through faith; and that not of yourselves, it is the gift of God;" (Ephesians 2:8 NASB).

12/11 - Give Your Spending Habits to God

Sun, 11 Dec 2011 01:00:02 EDT

Put all spending under God's control. With God's guidance, any bad habit can be broken. "For the love of money is a root of all sorts of evil, and some by longing for it have wandered away from the faith, and pierced themselves with many a pang." (1 Timothy 6:10 NASB).

12/10 - Investing and Leverage

Sat, 10 Dec 2011 01:00:01 EDT

When investing, avoid the use of leverage--the ability to control a large asset with a relatively small investment. If you buy property for $10,000 and pay $1,000 down, that's a nine-to-one lever. You invested 10 percent of your money and borrowed 90 percent. Borrowing money to invest is not a scriptural principle. "Do not be among those who give pledges, among those who become sureties for debts. If you have nothing with which to pay, Why should he take your bed from under you?."

12/9 - Commercial Christmas

Fri, 09 Dec 2011 01:00:02 EDT

Even the most dedicated Christians can be duped into commercializing the season set aside to honor the birth of Christ. "He who overcomes, I will grant to him to sit down with Me on My throne, as I also overcame and sat down with My Father on His throne." (Revelation 3:21 NASB).

12/8 - Paying Back

Thu, 08 Dec 2011 01:00:02 EDT

Do everything possible to insure that the borrower has been given every opportunity to repay what is due. It may mean devising a barter-work plan. "And just as you want men to treat you, treat them in the same way." (Luke 6:31 NASB).

12/7 - Christmas Giving

Wed, 07 Dec 2011 17:57:00 EDT

One suggestion for Christmas giving is to settle on the amount you will spend and then commit at least a tithe of that amount to greater causes. "Bring the whole tithe into the storehouse, so that there may be food in My house, and . . . I will . . . pour out for you a blessing until there is no more need." (Malachi 3:10 NASB).

12/2 - Your Priorities

Fri, 02 Dec 2011 01:00:02 EDT

Commit everything to the service of God's kingdom. "No one, after putting his hand to the plow and looking back, is fit for the kingdom of God." (Luke 9:62 NASB).

12/1 - Down Scaling at Christmas

Thu, 01 Dec 2011 01:00:02 EDT

Christmas down scaling suggestion: Agree with your spouse to purchase a combined gift instead of buying separate gifts for each other. "And whatever we ask we receive from Him, because we keep His commandments and do the things that are pleasing in His sight." (1 John 3:22 NASB).

11/30 - Saving Money at Christmas

Wed, 30 Nov 2011 01:00:03 EDT

One of the best ways to save money at Christmas is buying right after the Christmas season and all throughout the year. "She girds herself with strength, and makes her arms strong. She senses that her gain is good; her lamp does not go out at night." (Proverbs 31:17-18 NASB).

11/29 - Goals for Children

Tue, 29 Nov 2011 01:00:02 EDT

It is necessary for parents to establish some short-term goals for their children to help them see the purpose and logic of saving money. "Train up a child in the way he should go, even when he is old he will not depart from it." (Proverbs 22:6 NASB).

11/12/2011 - Too Much Spending

Sat, 12 Nov 2011 01:00:02 EDT

Too much spending can rob surplus funds, but too little is self-punishment. "These are matters which have, to be sure, the appearance of wisdom in self-made religion and self-abasement and severe treatment of the body, but are of no value against fleshly indulgence." (Colossians 2:23 NASB).

11/11/2011 - Scriptural Principles

Fri, 11 Nov 2011 01:00:02 EDT

One way to relieve tension temporarily is to pretend that no problem exists. Business owners have been known to manipulate every conceivable angle in an attempt to prolong the life of a hopeless business even one more day. They hoped that some miracle would reverse the situation. I believe in miracles, but I have observed that God does not violate His scriptural principles to accomplish His goals; He always follows his own rules. "Blessed art Thou, O Lord:... I will meditate on Thy precepts, and regard Thy ways. I shall delight in Thy statues; I shall not forget Thy word." (Psalm 119:12,15-16 NASB).

11/10/2011 - Car Insurance

Thu, 10 Nov 2011 01:00:02 EDT

If you elect to carry collision insurance on your car the difference between a $100 deductible or a $500 deductible can be as much as half the annual premium. "The mind of man plans his way, but the Lord directs his steps." (Proverbs 16:9 NASB).

11/9/2011 - Marriage and Money

Wed, 09 Nov 2011 01:00:01 EDT

I've never counseled a couple who said, 'Our five-year goal was to get miserably into debt, hate each other, stop praying and attending church, and now we're right where we want to be.' Yet, that's where a lot of couples are. The way to avoid such a disaster is to never let it happen in the first place. "I entreated Thy favor with all my heart: be gracious to me according to Thy word. I considered my ways, and turned my feet to Thy testimonies. I hastened and did not delay to keep Thy commandments." (Psalm 119:58-60 NASB).

11/8/2011 - Accumulation

Tue, 08 Nov 2011 23:00:01 EDT

The accumulation of money is a major deterrent to a humble spirit. The tendency is to desire to be served rather than to serve. "It is not so among you, but whoever wishes to become great among you shall be your servant, and whoever wishes to be first among you shall be your slave;" (Matthew 20:26-27 NASB).

9/11 - Trusting God

Sun, 11 Sep 2011 01:00:01 EDT

To question why the non-righteous is not punished by God is to question His wisdom. After all, this life is the only heaven they will ever experience. "Surely, God will not act wickedly, and the Almighty will not pervert justice. Who gave Him authority over the earth? And who has laid on Him the whole world? Shall He recompense on your terms, because you have rejected it? For you must choose, and not I: therefore declare what you know. . . ." (Job 34:12-13, 33 NASB).

9/10 - Budget Coaching

Sat, 10 Sep 2011 01:00:01 EDT

Many of us need assistance with establishing and maintaining a budget and working with creditors. Crown Financial Ministries operates a Budget Coaching network to link families in need of financial coaching with trained volunteer coaching in their local area. "Without consultation, plans are frustrated, but with many counselors they succeed." (Proverbs 15:22 NASB).

9/9 - Investment Decisions

Fri, 09 Sep 2011 01:00:02 EDT

Specific investment decisions must be the responsibility of each Christian. "But He knows the way that I take; when he has tried me, I shall come forth as gold." (Job 23:10 NASB).

9/8 - Sowing and Reaping

Thu, 08 Sep 2011 01:00:02 EDT

It is a contrast in human logic that by giving up something we can receive even more. But Christ taught this principle frequently; it's called sowing and reaping. It is our choice whether to take what we want now or store it and receive it in God's eternal kingdom. When you compare the time to enjoy God's rewards to the time spent in this world, there is no contest. "If anyone wishes to come after Me, let him deny himself, and take up his cross daily, and follow Me." (Luke 9:23 NASB).

9/7 - Your Lifestyle

Wed, 07 Sep 2011 22:44:00 EDT

You can live well--and in this country we do live very well--but it is important that there be a difference in our commitment as compared to the non-believer. As the Holy Spirit convicts you, ask yourself: 'Is there a difference between my lifestyle and the non-believer's?' "And those who are in the flesh cannot please God. However you are not in the flesh but in the Spirit, if indeed the Spirit of God dwells in you." (Romans 8:8-9 NASB).

9/6 - Saving Hint

Tue, 06 Sep 2011 01:00:03 EDT

Saving hint: When existing debt is paid off, reallocate that money to savings. "A man with an evil eye hastens after wealth, and does not know that want will come upon him." (Proverbs 28:22 NASB).

9/5 - Your View of God

Mon, 05 Sep 2011 01:00:02 EDT

Sometimes we see God as stern and strict, a parent who lays down law after law that we can't possibly obey. But above all, He is our loving parent, and just as we want our own children to be happy above everything else, so important is our happiness to our Heavenly Father. "I have set the Lord continually before me; because He is at my right hand, I will not be shaken." (Psalm 16:8 NASB).

9/4 - Retirement

Sun, 04 Sep 2011 01:00:02 EDT

It would be wise to lay aside some of the surplus for the latter phase of our lives, when our income abilities decline, so that we don't become a burden to our children. "Blessed is that slave whom his master will find so doing when he comes." (Matthew 24:46 NASB).

9/3 - True Giving

Sat, 03 Sep 2011 01:00:01 EDT

This means of giving is available to Christians absolutely committed to God's plan. Often our level of commitment is to provide the needy with a ride to the welfare office. God will not allow His work to tarry for lack of funds. He will simply redistribute the necessary funds to Christians who will sacrifice personal luxuries for the needs of others. "He who oppresses the poor reproaches his Maker, but he who is gracious to the needy honors Him." (Proverbs 14:31 NASB).

9/2 - Sacrafice

Fri, 02 Sep 2011 01:00:02 EDT

If a sacrifice is necessary, and it almost always is, do not sacrifice God's or your creditor's share. Choose a portion of your own expenditures to sacrifice. "Do not withhold good from those to whom it is due, when it is in your power to do it. Do not say to your neighbor, 'Go, and come back, and tomorrow I will give it,' when you have it with you." (Proverbs 3:27-28 NASB).

9/1 - Risk

Thu, 01 Sep 2011 01:00:01 EDT

If you are going to invest, you will assume some risk. The general rule is the greater the potential return, the greater the potential risk. Those who take excessive risks, however, do so because they lack the knowledge and ability to evaluate the actual risk. "The plans of the diligent lead surely to advantage, but everyone who is hasty comes surely to poverty." (Proverbs 21:5 NASB).

8/31 - Inheritance

Wed, 31 Aug 2011 01:00:01 EDT

Righteous people receive so many blessings that there will be plenty left over to pass on to their children and grandchildren; but sinners who become wealthy will see their riches being used by the righteous and will have nothing to leave to their children. "He who walks in his uprightness fears the Lord, but he who is crooked in his ways despises Him. Better is little with righteousness than great income with injustice." (Proverbs 14:2, 16:8 NASB).

8/30 - Your Most Important Possession

Tue, 30 Aug 2011 01:00:01 EDT

Those whose most important possession is money will always have something to worry and complain about. Those whose most important possessions are family, love, service, and the Lord, are secure and happy in their riches. Only the rich have to get up early to check the stock market and stay up late to count their money and find a good hiding place for it. "There is one who pretends to be rich, but has nothing; another pretends to be poor, but has great wealth." (Proverbs 13:7 NASB).

8/29 - Resentment

Mon, 29 Aug 2011 01:00:02 EDT

Too often we harbor resentment in our hearts when someone offends or cheats us. The reason the Lord tells us that revenge belongs to Him is so we can be free of resentment, anger, and frustration, as well as the need for getting even. "Do not fret because of evildoers, or be envious of the wicked; For we know Him who said, 'Vengeance is Mine, I will repay.'" (Proverbs 24:19 NASB, Hebrews 10:30 NASB).

8/28 - Surrender

Sun, 28 Aug 2011 01:00:01 EDT

Surrender to God means giving up some personal rights, including retaliation. "You have heard that it was said, 'You shall love your neighbor, and hate your enemy.' But I say to you, love your enemies, and pray for those who persecute you." (Matthew 5:43-44 NASB).

8/27 - Retirement

Sat, 27 Aug 2011 01:00:02 EDT

Being prepared for retirement is a process that begins as early as ages 20-40 (the first 'season' of life) and continues through the second season (ages 40-60). "For you have need of endurance, so that when you have done the will of God, you may receive what was promised." (Hebrews 10:36 NASB).

8/26 - Deception

Fri, 26 Aug 2011 01:00:01 EDT

Whenever you detect a deception in your own life, large or small, stop what you're doing and confess it immediately, not only to God but to others who are involved. And, even if you must suffer a financial loss to correct an earlier deception, then do whatever is necessary. Confession of a sin is not all that is required. Restitution should be made wherever possible. "He who conceals his transgressions will not prosper, but he who confesses and forsakes them will find compassion." (Proverbs 28:13 NASB).

8/25 - Surrender

Thu, 25 Aug 2011 01:00:01 EDT

To be responsible means to be accountable for our actions. Christ said His followers must be willing to surrender their rights and follow His example. It's inconceivable that He would ever strike a deal and then back out to negotiate a better deal. Nor is it believable that He would run up a bill and then back out of paying it. "It is the blessing of the LORD that makes rich, and He adds no sorrow to it." (Proverbs 10:22 NASB).

8/24 - jealousy

Wed, 24 Aug 2011 01:00:01 EDT

Those who are resentful about the success of others, whose feelings are hurt because of the lack of recognition, or who use a job as their alter egos all suffer from the spiritual malady--they are serving men instead of God. "And He said to them, 'You are those who justify yourselves in the sight of men, but God knows your hearts; for that which is highly esteemed among men is detestable in the sight of God.'" (Luke 16:15 NASB).

8/23 - Obedience

Tue, 23 Aug 2011 01:00:02 EDT

Shadrach, Meshach, and Abed-nego said that even if God didn't rescue them from the fiery furnace, they would remain faithful to God. They confirmed a biblical principle: God may rescue us, or He may not, but it should make no difference in our obedience to Him and His Word. "Our God whom we serve is able to deliver us. . .but even if He does not. . .we are not going to serve your gods or worship the golden image. . . ." (Daniel 3:17-18 NASB).

8/22 - Quick Fixes

Mon, 22 Aug 2011 01:00:02 EDT

It takes a long time to build up a good reputation, but very little to destroy it. There is no quick fix to bad credit. "A good name is to be more desired than great riches, favor is better than silver and gold." (Proverbs 22:1 NASB).

8/21 - Marriage

Sun, 21 Aug 2011 01:00:01 EDT

Time has a way of healing wounds. There's no reason why a widow should not remarry, assuming it is the Lord's will. God designed people to live in pairs, with few exceptions. "Therefore I want younger widows to get married, bear children, keep house, and give the enemy no occasion for reproach. Two are better than one because they have a good return for their labor. For if either of them falls, the one will lift up his companion." (1 Timothy 5:14 NASB, Ecclesiastes 4:9-10 NASB).

8/20 - Chain of Command

Sat, 20 Aug 2011 01:00:02 EDT

The chain of relationships from family to work is so intertwined that the apostle Paul listed them as a series in Colossians: husband-wife; parent-child; and authority-work. Paul knew that unless a Christian had all these managed properly, his or her life could not manifest joy, peace, or contentment. "Wives, submit to your husbands. . . . Husbands, love your wives. . . .Children, be obedient to your parents. . . .Fathers, do not exasperate your children. . . .Slaves. . . obey those who are your masters on earth. . . . Masters, grant to your slaves justice and fairness. . . Devote yourselves to prayer, keeping alert in it with an attitude of thanksgiving;" (Colossians 3:18-4:2 NASB).

8/19 - Recreation Hint

Fri, 19 Aug 2011 01:00:02 EDT

Recreation hint: Consider swapping residences with a Christian family in another locale to provide an inexpensive vacation. "Make my joy complete by being of the same mind, maintaining the same love, united in spirit, intent on one purpose." (Philippians 2:2 NASB).

8/18 - Verify Counsel

Thu, 18 Aug 2011 02:00:02 EDT

Sometimes it seems there's too much advice around: your brother-in-law made a fortune investing; your cousin did well with bonds; Aunt Millie prefers the neighborhood bank. Only the foolish would take free advice without looking into it carefully, weighing all the risks, and then making in informed decision. "The naive believes everything, but the prudent man considers his steps. The prudent sees the evil and hides himself, but the naÃ¯ve go on, and are punished for it." (Proverbs 14:15, 22:3 NASB).

8/17 - Our Daily Bread

Wed, 17 Aug 2011 01:00:02 EDT

God has blessed us with all the resources to meet our daily needs and a surplus to meet the basic needs of virtually all of the rest of the world. "The rich and the poor have this in common, the LORD is the maker of them all." (Proverbs 22:2 NASB).

8/16 - Proper Prosperity

Tue, 16 Aug 2011 01:00:02 EDT

God is not against prosperity. The Scriptures give evidence that one of God's blessings to those who love and obey Him is prosperity. By listening to God's teachings, we gain both emotional and physical security, which leaves us free to live a happy and prosperous life. "How blessed is everyone who fears the LORD, who walks in His ways. When you shall eat of the fruit of your hands, you will be happy and it will be well with you." (Psalm 128:1-2 NASB).

8/15 - Employeee Theft

Mon, 15 Aug 2011 01:00:01 EDT

Most business owners go to great lengths to reduce and eliminate employee misuse of company property (pens, pencils, paper, copies). It's estimated that employee theft accounts for the loss of nearly $160 billion per year. Business owners tend to believe they can treat company property as their own (company vehicles, telephone use), but to do so constitutes sin. "Do not enter the path of the wicked, and do not proceed in the way of evil men." (Proverbs 4:14 NASB).

8/14 - Our Word

Sun, 14 Aug 2011 01:00:01 EDT

Once we have given our word, we must do what we promised, unless the other party releases us. "But prove yourselves doers of the word, and not merely hearers who delude themselves." (James 1:22 NASB).

8/13 - How to Generate Profits

Sat, 13 Aug 2011 01:00:01 EDT

The keys to generating a profit according to the principles in God's Word are not complicated. Seek godly counsel and acknowledge and obey God's eternal wisdom in operating your business. Too often, we seek God's wisdom and then violate the principles taught in His Word. "How blessed is the man who does not walk in the counsel of the wicked, . . .but his delight is in the law of the Lord, and in His law he meditates day and night." (Psalm 1:1-2 NASB).

8/12 - Proper Profits

Fri, 12 Aug 2011 01:00:02 EDT

Profits are the economic rewards of good service and products. Every Christian in business--employer and employee alike--should work to maximize profits, but not to the exclusion of the other elements of a biblically based business. To maximize profits by underpaying employees is a violation of God's principles for business. "There is one who scatters, yet increases all the more, and there is one who withholds what is justly due, but it results only in want." (Proverbs 11:24 NASB).

8/11 - Misplaced Priorities

Thu, 11 Aug 2011 01:00:02 EDT

The decay of a Christian's spiritual life usually can be traced directly to incorrect priorities. Almost without exception, these misplaced priorities relate to money. Money and its related symptoms (pride, greed, and ego) divert our affections from God. "You cannot serve God and mammon." (Luke 16:13 NASB).

8/10 - Pride--the desire to be first

Wed, 10 Aug 2011 01:00:02 EDT

Pride is perhaps the major sin in Christendom today. Pride--the desire to be first--leads to greed--a craving for more. Pride is so deceptive because it's so normal today. The way to deal with pride is to consciously put others first. "Everyone who is proud in heart is an abomination to the Lord; assuredly he will not be unpunished. Pride goes before destruction and a haughty spirit before stumbling." (Proverbs 16:5,18 NASB).

8/9 - Proper Praise

Tue, 09 Aug 2011 02:00:03 EDT

To get the praise of others is not difficult. Just do what they want, when they want it, and how they want. The trick is guessing what when, and how. One bad guess and the praise is gone. "And He said to them 'You are those who justify yourselves in the sight of men, but God knows your hearts; for that which is highly esteemed among men is detestable in the sight of God.'" (Luke 16:15 NASB).

8/8 - God's Radical Lifestyle For Us

Mon, 08 Aug 2011 01:00:02 EDT

God calls each of us to a radical life-style of total commitment to Him, but rarely does the Lord call us to voluntary poverty. ". . .let us also lay aside every encumbrance, and the sin which so easily entangles us, and let us run with endurance the race that is set before us." (Hebrews 12:1 NASB).

8/7 - Avoiding Superstitions

Sun, 07 Aug 2011 01:00:02 EDT

Avoid the superstition that somehow by talking about dying, it might happen. Educate yourself and your spouse on every detail of after-death planning including burial, investing the estate proceeds, children's gifts, trusts, and so on. "As he had come naked from his mother's womb, so will he return as he came. He will take nothing from the fruit of his labor that he can carry in his hand." (Ecclesiastes 5:15 NASB).

8/6 - Perseverance

Sat, 06 Aug 2011 01:00:02 EDT

Perseverance is a characteristic lacking in Christianity today. Some Christians who fail get defeated and feel like God has abandoned them. We must believe that God wants to bless us, and until God individually convicts us that our plan is otherwise, we are not to accept failure. "And without faith it is impossible to please Him, for he who comes to God must believe that He is, and that He is a rewarder of those who seek Him." (Hebrews 11:6 NASB).

8/5 - Are You Successful?

Fri, 05 Aug 2011 01:00:01 EDT

One attribute of a successful person is persistence in the face of problems. God wants Christians who don't give up easily. "And let endurance have its perfect result, that you may be perfect and complete, lacking in nothing." (James 1:4 NASB).

8/4 - Inner Peace

Thu, 04 Aug 2011 01:00:01 EDT

The world has the power to prevent us from getting ahead financially, to destroy our spirits, and even to kill us, but if our faith in God is firm, nothing the world can do to us can destroy our inner peace. "Peace I leave with you; My peace I give you; not as the world gives, do I give to you. Let not your heart be troubled, nor let it be fearful." (John 14:27 NASB).

8/3 - We Want What We Want When We Want It

Wed, 03 Aug 2011 01:00:01 EDT

From the time we're born we want what we want when we want it. We tend to run out and get what we want, or if it can't be bought, then we lose patience. God can't be rushed. He hears us and when the time is right, He will provide. "And let endurance have its perfect result, that you may be perfect and complete, lacking in nothing." (James 1:4 NASB).

8/2 - Compromise

Tue, 02 Aug 2011 01:00:01 EDT

I've found that when a believer and unbeliever can maintain a partnership without conflict over spiritual goals, it is normally because the believer has compromised God's principles. "He who walks with wise men will be wise, but the companion of fools will suffer harm." (Proverbs 13:20 NASB).

8/1 - Do Riches Equate Spirituality?

Mon, 01 Aug 2011 01:00:02 EDT

When we esteem people on the basis of material success, we begin to equate riches with spirituality. Thus, those who are not materially successful are deemed less spiritual. "These also are sayings of the wise. To show partiality in judgment is not good." (Proverbs 24:23 NASB).

7/31 - Manage by God's Rules

Sun, 31 Jul 2011 20:00:02 EDT

Once you accept the fact that God owns everything it's important to manage all you have according to His rules. It's how you manage money that determines how you will manage greater things. "For we have brought nothing into the world, so we cannot take anything out of it either." (1 Timothy 6:7 NASB).

7/30 - Is Overdraft Protection A Good Thing?

Sat, 30 Jul 2011 01:00:01 EDT

Many banks offer an automatic overdraft protection service--if you write a check in excess of what you have in your account, the bank will still honor it. This looks like a helpful service. However, it tends to create a complacent attitude about balancing the account and encourages overdrafting, which adds charges to your account. "In this case, moreover, it is required of stewards that one be found trustworthy." (1 Corinthians 4:2 NASB).

7/29 - Work and Life Balance

Fri, 29 Jul 2011 01:00:01 EDT

Of all the problems that cause financial friction, probably none is more disheartening to a wife than a husband over-committed to his work. And some women are so wrapped up in their work that they have little or no time for family. There is a balance in life between hard work and enjoying life, and the wise person does both. "Do not weary yourself to gain wealth; cease from your consideration of it." (Proverbs 23:4 NASB).

7/28 - Organization

Thu, 28 Jul 2011 01:00:01 EDT

In business, organization is an absolute necessity, not an alternative. A smart entrepreneur will learn that while ideas start businesses, organization makes them successful. That means a business owner must either develop the necessary discipline or hire someone else to keep the company in order. "Poor is he who works with a negligent hand, but the hand of the diligent makes rich." (Proverbs 10:4 NASB).

7/27 - Obstacles to Good Financial Planning

Wed, 27 Jul 2011 01:00:02 EDT

Obstacles to good financial planning include the following: social pressures to own more 'things'; the attitude that 'more is better' regardless of cost; use of credit to delay necessary decisions; no surplus available to cope with rising prices and unexpected expenses. Don't offset increases in income by increasing your level of spending. ". . . lay aside the old self, . . .and that you be renewed in the spirit of your mind," (Ephesians 4:22-23 NASB).

7/26 - Obedience and Taxes

Tue, 26 Jul 2011 01:00:02 EDT

God demands obedience to the law. Many Christians rationalize their violation of the tax laws. People who wouldn't think of robbing a bank justify stealing from the government. Take maximum advantage of every tax law in existence but be careful not to cross the line and become involved in tax evasion and theft. "He who profits illicitly troubles his own house, but he who hates bribes will live." (Proverbs 15:27 NASB).

7/25 - Tax-Deferred Funds

Mon, 25 Jul 2011 01:00:01 EDT

Tax-deferred funds are not yours: they are a gift from the government (at least in their thinking). The more indigestible (unable to absorb) you make your retirement funds, the safer they will be. "Render to all what is due them: tax to whom tax is due; custom to whom custom; fear to whom fear; honor to whom honor." (Romans 13:7 NASB).

7/24 - Submission

Sun, 24 Jul 2011 01:00:02 EDT

When a wife submits her rights to her husband and he makes a wrong decision, he is held accountable. "For the husband is the head of the wife, as Christ, also is the head of the church, He Himself being Savior of the body." (Ephesians 5:23 NASB).

7/23 - Rewards and obedience

Sat, 23 Jul 2011 01:00:02 EDT

Our rewards in the kingdom of God are going to be directly proportional to our obedience in this lifetime. "For you have need of endurance, so that when you have done the will of God, you may receive what was promised." (Hebrews 10:36 NASB).

7/22 - Luxury vs. Need

Fri, 22 Jul 2011 01:00:01 EDT

Many Christians are frustrated because they can't distinguish between luxuries and necessities. Consequently, they seek fulfillment through the same channels as non-Christians and then wonder why they have a fruitless Christian walk. God wants us to live comfortably, but He does not want us to live lavishly when our resources could be used to promote God's work throughout the world. "Do not love the world, nor the things in the world. If any one loves the world, the love of the Father is not in him. For all that is in the world, the lust of the flesh and the lust of the eyes and the boastful pride of life, is not from the Father, but is from the world." (1 John 2:15-16 NASB).

7/21 - Yielding to Christ

Thu, 21 Jul 2011 01:00:00 EDT

Being God's emissary on the job is not difficult; it's impossible. Only by yielding our rights to Christ can the world really get a glimpse of Him through us. "And whoever exalts himself shall be humbled; and whoever humbles himself shall be exalted." (Matthew 23:12 NASB).

7/20 - Debt on Consumables

Wed, 20 Jul 2011 01:00:02 EDT

Debt on consumable items, such as food, clothing, and gasoline, is exceedingly difficult to repay. When they're gone, so is the desire to pay for them. What if you commit more of your income to creditors than you realistically can pay? Contact your creditors, be honest about your situation, and arrange some kind of equitable payment plan. "The Lord sustains all who fall, and raises up all who are bowed down. The Lord is righteous in all His ways, and kind in all His deeds. The Lord is near to all who call upon Him, to all who call upon Him in truth. . . He will also hear their cry and will save them." (Psalm 145:14,17-19 NASB).

7/19 - Christian Employers

Tue, 19 Jul 2011 01:00:02 EDT

Christian employers have a tremendous opportunity to demonstrate Christian principles at work in a very visible area: paying employees fairly. "Moreover, he shall multiply horses for himself . . . nor shall he greatly increase silver and gold for himself." (Deuteronomy 17:16-17 NASB).

7/18 - Christian Employees

Mon, 18 Jul 2011 01:00:01 EDT

If Christian employees would only manifest two biblical characteristics, there would be far fewer unemployed Christians. First, give honor to the authority over them. Second, do the best job possible within their abilities. "Whatever you do, do your work heartily, as for the Lord rather than for men;" (Colossians 3:23 NASB).

7/17 - Paying For College

Sun, 17 Jul 2011 01:00:01 EDT

One way of reducing or eliminating the need to borrow for college is to work part time. Government statistics show more than half of all students work part time to help pay for their education. "The mind of the prudent acquires knowledge, and the ear of the wise seeks knowledge." (Proverbs 18:15 NASB).

7/16 - College Expenses

Sat, 16 Jul 2011 01:00:02 EDT

If you're facing children's college expenses but have no surpluses to cover them, don't go further into debt to send your children to college. "Listen, my son, and be wise, and direct your heart in the way." (Proverbs 23:19 NSAB).

7/15 - Discernment

Fri, 15 Jul 2011 01:00:01 EDT

Webster's dictionary describes discernment as the act of perceiving something hidden or concealed. God's Word more aptly defines it as the application of wisdom. Since all wisdom comes from God, we know that discernment means applying God's wisdom in discretionary matters. "For if you cry for discernment,...and search for her as you would for hidden treasure; then you will discern the fear of the Lord, and discover the knowledge of God. For the Lord gives wisdom; from His mouth come knowledge and understanding." (Proverbs 2:3-5 NASB).

7/14 - Investment Diversification

Thu, 14 Jul 2011 01:00:01 EDT

No matter how solid any one investment seems, diversification is still better. "Divide your portion to seven, or even to eight, for you do not know what misfortune may occur on the earth." (Ecclesiastes 11:2 NASB).

7/13 - Need vs. Desire

Wed, 13 Jul 2011 01:00:01 EDT

God promises to satisfy every need that we have not every desire. To continually satisfy every desire moves us outside of God's will. "For all that is in the world-, the lust of the flesh and the lust of the eyes and the boastful pride of life, is not from the Father, but is from the world." (I John 2:16 NASB).

7/12 - Can't Pay Credit Card Bill?

Tue, 12 Jul 2011 01:00:01 EDT

The very first month you have a credit card bill that you cannot pay, destroy that credit card and never use it again. "A man lacking in sense pledges, and becomes surety in the presence of his neighbor." (Proverbs 17:18 NASB).

7/11 - What is Credit?

Mon, 11 Jul 2011 01:00:02 EDT

Credit is the establishment of a mutual trust relationship between a lender and a borrower. The most common type of financial bondage is excessive use of credit. "The rich rules over the poor, and the borrower becomes the lender's slave." (Proverbs 22:7 NASB).

7/10 - Total Stewardship

Sun, 10 Jul 2011 01:00:02 EDT

Not only did Abraham love and trust God, but also he bowed his will to God's judgment. We must accept this concept of total stewardship because when we transfer assets or file bankruptcy to avoid creditors or deal deceitfully with creditors, we block God's channe l for help. Deceit will financially bind and destroy peace and contentment. "The heart is the more deceitful than all else and is desperately sick. . . .I the Lord search the heart, I test the mind, even to give to each man according to his ways, according to the results of his deeds." (Jeremiah 17:9-10 NASB).

7/9 - Envy and Financial Bondage

Sat, 09 Jul 2011 01:00:01 EDT

Financial bondage exists if a Christian looks at what others have and desires it. Covetousness should not characterize the Christian. Don't set your goals based on what others have. "You shall not covet your neighbor's wife, and you shall not desire your neighbor's house, his field or his manservant, his ox or his donkey or anything that belongs to your neighbor." (Deuteronomy 5:21 NASB).

7/7 - Not Going Into Debt

Thu, 07 Jul 2011 01:00:03 EDT

The simplest economic principle ever written is:'If you don't overspend, you won't get into debt.' "The righteousness of the upright will deliver them, but the treacherous will be caught by their own greed." (Proverbs 11:6 NASB).

7/6 - Choosing Counsel

Wed, 06 Jul 2011 01:00:02 EDT

Select your counselors on the basis of a common value system. For the Christian, this means those who acknowledge Jesus Christ as their Savior and Lord. "How blessed is the man who does not walk in the counsel of the wicked, nor stand in the path of sinners, nor sit in the seat of scoffers!" (Psalm 1:1 NASB).

7/5 - Trusting God

Tue, 05 Jul 2011 01:00:01 EDT

7/5/2011 You must decide what you believe and trust God regardless of the outside circumstances. In other words, 'Keep on keeping on.' God gave us many examples of people who faced difficult situations. Some collapsed into despair and self-pity, while others grew stronger. Those who grew strong were 'doers of the Word and not hearers only.' ". . .We exult in the hope of the glory of God. And hope does not disappoint, because the love of God has been poured out within our hearts through the Holy Spirit who was given to us." (Romans 5:2,5 NASB).

7/4 - Why We Do What We Do

Mon, 04 Jul 2011 01:00:01 EDT

The trend today is to seek the path of least resistance. The world has not conformed to God's standards, but rather to Satan's. It is vital that we walk according to God's Word. God's principles demand that, no matter what others are doing, we serve Him through every action we take. "The reward of humility and the fear of the Lord are riches, honor and life." (Proverbs 22:4 NASB).

7/3 - Basic Economy

Sun, 03 Jul 2011 01:00:02 EDT

Understand the basics of our economy and how to relate to current trends. "The mind of the prudent acquires knowledge, and the ear of the wise seeks knowledge." (Proverbs 18:15 NASB).

7/2 - Honesty

Sat, 02 Jul 2011 01:00:01 EDT

Never allow yourself to be trapped into anything that is unethical, immoral, or dishonest, no matter how inviting it seems. There are no small lies--just lies. There are no small thefts--just thefts. A Christian's usefulness to God is directly proportional to his or her honesty. ". . .And it is better to be a poor man than a liar." (Proverbs 19:22 NASB).

7/1 - Greed or Service?

Fri, 01 Jul 2011 01:00:02 EDT

Anytime Christians look upon others as a source of revenue rather than service, they are caught in Satan's most common trap--greed. "The righteous is concerned for the rights of the poor, the wicked does not understand such concern." (Proverbs 29:7 NASB).

6/30 - Buying A Home

Thu, 30 Jun 2011 01:00:01 EDT

Before you decide whether to rent or buy a home, you must determine how much you can afford to spend for housing. If your job is not secure enough to take on a mortgage payment, consider renting for now. One of the essential foundation blocks of a biblically oriented financial plan is a debt-free home. It is yours, not the lenders. ". . .But the prudent man considers his steps. . . .He blesses the dwelling of the righteous." (Proverbs 14:15, 3:33 NASB).

6/29 - Proper Gift Giving

Wed, 29 Jun 2011 01:00:02 EDT

The short-term gratification of gift giving won't balance the long-term stress of debt. It's only because of our indulgence-crazed society that children and parents have the unrealistic expectations they do today. We could all do some soul searching about the indulgent gifts we think others need. "The naive inherit folly, but the prudent are crowned with knowledge." (Proverbs 14:18 NASB).

6/28 - Your Reason for Serving God

Tue, 28 Jun 2011 01:00:01 EDT

So many Christians look only for what they can glean out of their relationship with God. They give expecting to be repaid; they serve looking for recognition. "For everyone who exalts himself will be humbled, and he who humbles himself will be exalted." (Luke 14:11 NASB).

6/27 - HMOs

Mon, 27 Jun 2011 01:00:02 EDT

HMO charges are extremely low, making it possible for members to get minor care without having to put it off. . . . So, you might say that HMOs are a form of preventive medicine. "When the whirlwind passes, the wicked is no more, but the righteous has an everlasting foundation." (Proverbs 10:25 NASB).

6/26 - Vacation Idea

Sun, 26 Jun 2011 01:00:03 EDT

Recreation hint: Consider a camping vacation to avoid motel and food expenses. (Christian friends can pool the expenses of camping items.) "Much wealth is in the house of the righteous, but trouble is in the income of the wicked." (Proverbs 15:6 NASB).

6/25 - Get Rich Quick

Sat, 25 Jun 2011 01:00:01 EDT

Any get-rich-quick scheme is developed to entrap the weak and especially the poor. "In all labor there is profit, But idle chatter leads only to poverty." (Proverbs 14:23 NASB).

6/24 - True Financial Freedom

Fri, 24 Jun 2011 01:00:01 EDT

The steps to financial freedom are: first, transfer ownership of every possession to God (this is essential to experience the Spirit-filled life in the area of finances). Then, get out of debt altogether. There is no greater sense of freedom than to owe no man any financial obligation. "Owe nothing to anyone except to love one another; for he who loves his neighbor has fulfilled the law." (Romans 13:8 NASB).

6/23 - Get Rich Quick

Thu, 23 Jun 2011 01:00:04 EDT

A get-rich-quick attitude eventually catches up with us. "He who walks in his uprightness fears the Lord, but he who is crooked in his ways despises Him." (Proverbs 14:2 NASB).

6/22 - Giving and God's Blessings

Wed, 22 Jun 2011 01:00:01 EDT

God promises that as long as His people are faithful to give of the resources He has given them, those resources are limitless. "He who is gracious to a poor man lends to the Lord, and He will repay him for his good deed." (Proverbs 19:17 NASB).

6/21 - Grocery Shopping

Tue, 21 Jun 2011 01:00:02 EDT

Hint on grocery shopping: For baby foods, use normal foods processed through a blender. "And whoever in the name of a disciple gives to one of these little ones even a cup of cold water to drink, truly I say to you he shall not lose his reward." (Matthew 10:42 NASB).

6/20 - Life Changing Goals

Mon, 20 Jun 2011 01:00:02 EDT

You can't just decide to set life-changing goals and expect they will succeed. Goals are generally evolved over a period of time. "Rejoicing in hope, persevering in tribulation, devoted to prayer, " (Romans 12:12 NASB).

6/19 - God's Giving

Sun, 19 Jun 2011 01:00:03 EDT

God is NOT obligated to give to us; He does so because He loves us and because we desire His best in our lives. God cannot be bribed. "Or who has first given to Him that it might be paid back to Him again?" (Romans 11:35 NASB).

6/18 - Gambling

Sat, 18 Jun 2011 01:00:02 EDT

Regardless of how socially acceptable the practice of gambling has become, it's still preying upon the weaknesses of others. This runs counter to the Scriptures, which encourage us to help the weak and seek good for all men. "In all labor there is profit, but mere talk leads only to poverty." (Proverbs 14:23 NASB).

6/17 - Family Goals

Fri, 17 Jun 2011 01:00:04 EDT

Family goals are fundamental to future success. If they are made according to God's principles, the rewards will pass from parent to children. "The hand of the diligent will rule, but the slack hand will be put to forced labor." (Proverbs 12:24 NASB).

6/16 - God's Use Of Money

Thu, 16 Jun 2011 01:00:02 EDT

God uses money to demonstrate His love, to direct our lives, to indicate His will. God doesn't use money to cause anxiety, fear, frustration, and worry. "Oh, the depth of the riches both of the wisdom and knowledge of God! How unsearchable are His judgments and unfathomable His ways!" ( Romans 11:33 NASB).

6/15 - Grocery Shopping

Wed, 15 Jun 2011 01:00:02 EDT

Hint on grocery shopping: Avoid prepared foods such as TV dinners, pot pies, cakes, etc. (You are paying for expensive labor that you can provide.) "She rises also while it is still night, and gives food for her household. . . She makes coverings for herself; her clothing is fine linen and purple. . . She makes linen garments and sells them." (Proverbs 31:15, 22, 24 NASB).

6/14 - Godly Priorities

Tue, 14 Jun 2011 01:00:02 EDT

One of the overwhelming characteristics of those who discern God's will for their lives are that they continually seek to put God first. We must keep our priorities in the correct order. Living by the Word of God is the best insurance policy in the world. "I have seen a limit to all perfection; Thy commandment is exceedingly broad. Oh how I love Thy law! It is my meditation all the day. . . .I have restrained my feet from every evil way, that I may keep Thy word. . . .Thy word is a lamp to my feet, and a light to my path." (Psalm 119:96, 97, 101,106 NASB).

6/13 - Develop A Budget

Mon, 13 Jun 2011 01:00:02 EDT

6/13/2011 Develop a budget--a plan for managing money in your home. At a minimum, a budget should be created to manage your money. "Where there is no vision, the people are unrestrained, but happy is he who keeps the law." (Proverbs 29:18 NASB).

6/12 - Needs of Others

Sun, 12 Jun 2011 01:00:03 EDT

Help your children get involved with the needs of people. This helps children understand the purpose as well as the principle of giving. So you also should share with those in need. "...'He who gathered much did not have too much, and he that gathered little had no lack.'" (2 Corinthians 8:15 NASB).

6/11 - Flexible Goals

Sat, 11 Jun 2011 09:00:03 EDT

It's important to have plans and goals, but if you make plans that are inflexible, they will only hinder God's work because you won't be able to live with them. Develop plans that guide your financial life but also provide for some recreation and personal enjoyment as well. "Rejoice in hope, persevering in tribulation, devoted to prayer, " (Romans 12:12 NASB).

6/10 - Christian Businesses

Fri, 10 Jun 2011 01:00:02 EDT

If a Christian business is to be used to serve God, it has but one overriding purpose--to glorify Him. "For its profit is better than the profit of silver, and its gain than fine gold." (Proverbs 3:14 NASB).

6/9 - Firstfruits

Thu, 09 Jun 2011 01:00:02 EDT

The 'firstfruits' belong to the Lord. That means right off of the top. It is only by honoring the Lord from the first part of our incomes (the gross) that God can take control. "Honor the Lord from your wealth, and from the first of all your produce; so your barns will be filled with plenty, and your vats will overflow with new wine." (Proverbs 3:9-10 NASB).

6/8 - Training Children

Wed, 08 Jun 2011 01:00:03 EDT

If you want to train your children to be good employees, you must take on the role of an employer. "The worker is worthy of his support." (Matthew 10:10 NASB).

6/7 - Who Spends More?

Tue, 07 Jun 2011 01:00:02 EDT

A common misconception is that the wife does the majority of spending in a marriage. Not so. Men don't buy often, but when they do, they buy big-ticket items. There are some simple rules for anyone before buying anything. First, don't buy anything unless you wait at least 30 days. Second, get at least three different prices on that item. Third, never have more than one item on your 'want' list at one time. "For we have brought nothing into the world, so we cannot take anything out of it either. And if we have food and covering, with these we shall be content." (1 Timothy 6:7-8 NASB).

6/6 - Bankruptcy

Mon, 06 Jun 2011 01:00:01 EDT

Bankruptcy is a serious matter and, at best, both sides lose. The creditors lose much of the money they are owed, and the debtors lose much of the respect they previously had. A person who has filed for bankruptcy can turn a negative situation into a positive one by making a commitment to repay what is legitimately owed. God's Word clearly says that a believer should be responsible for his or her promises and repay what is owed. "Do not withhold good from those to whom it is due, when it is in your power to do it." (Proverbs 3:27 NASB).

6/5 - Budget or Spending Plan

Sun, 05 Jun 2011 01:00:02 EDT

A budget is no more than a spending plan to balance spending with income. It controls spending and will help in developing a surplus. A budget is not magical; it will not work by itself; you must put it into practice. It should be a reflection of you and a plan to bring peace, not conflict, into your home. "Commit your works to the Lord, and your plans will be established." (Proverbs 16:3 NASB).

6/4 - Prenuptial Agreements

Sat, 04 Jun 2011 01:00:02 EDT

These agreements, between two people contemplating marriage, are becoming more common in a society that plans for divorce before marriage begins. To do this merely allows Satan a foothold in the marriage that he will exercise at his leisure. "Therefore be imitators of God, as beloved children; and walk in love, just as Christ also loved you, and gave Himself up for us, an offering and a sacrifice to God as a fragrant aroma." (Ephesians 5:1 NASB).

6/3 - Buying A Car

Fri, 03 Jun 2011 01:00:03 EDT

Honestly evaluate your real need for a car. If you determine your need justifies a purchase, buy a used car. "The righteousness of the upright will deliver them, but the treacherous will be caught by their own greed." (Proverbs 11:6 NASB).

6/2 - Borrowing

Thu, 02 Jun 2011 01:00:02 EDT

Christians who are trapped by borrowing have violated one or more of the scriptural principles God has given. He says that when someone borrows, he or she becomes a servant of the lender; the lender becomes an authority over the borrower. This clearly defines God's attitude about borrowing. "The rich rules over the poor, and the borrower becomes the lender's slave. The Lord will open for you His good storehouse. . .bless all the work of your hand. . .you shall lend to many nations, but you shall not borrow." (Proverbs 22:7, Deuteronomy 28:12 NASB).

6/1 - Financial Anxiety

Wed, 01 Jun 2011 01:00:02 EDT

Anxiety is produced over financial responsibility; and the family's basic needs are not met because of past or present buying practices. Don't seek escape during difficulties; seek peace during them. "Be anxious for nothing, but in everything by prayer and supplication with thanksgiving let your requests be made known to God." (Philippians 4:6 NASB).

5/31 - Being Available for God to Use You Now

Mon, 30 May 2011 01:00:02 EDT

5/31 If you're so occupied trying to accumulate things so you can minister better; you aren't available for God to use now. "No soldier in active service entangles himself in the affairs of everyday life, so that he may please the one who enlisted him as a soldier." (2 Timothy 2:4 NASB).

5/30 - Our Accountability

Mon, 30 May 2011 01:00:01 EDT

5/30 We are accountable for every idle word and every idle dollar. "I considered all my activities which my hands had done and the labor which I had exerted, and behold all was vanity and striving after wind and there was no profit under the sun." (Ecclesiastes 2:11 NASB).

5/29 - Ownership

Sun, 29 May 2011 01:00:03 EDT

Recognize that God owns everything, and all blessings come from Him (including our ability to work). "For who regards you as superior? And what do you have that you did not receive? But if you did receive it, why do you boast as if you had not received it?" (1 Corinthians 4:7 NASB).

5/28 - Annual Financial Planning

Sat, 28 May 2011 01:00:02 EDT

At least one full day should be set aside to pray and plan your finances for the next year. "Rejoice always; pray without ceasing; in everything give thanks; for this is God's will for you in Christ Jesus." (1 Thessalonians 5:16-18 NASB).

5/27 - Authoritiy

Fri, 27 May 2011 01:00:02 EDT

Financial. Anyone in authority must exercise great caution to maintain the proper balance. Authority actually means responsibility according to God's Word. God's plan for authority is not an either/or situation. It is a joint effort with differing responsibilities. "He must be one who manages his own household well, keeping his children under control with all dignity (but if a man does not know how to manage his own household, how will he take care of the church of God?);" (1 Timothy 3:4-5 NASB).

5/26 - A Fearful Spirit

Thu, 26 May 2011 01:00:02 EDT

Reject a fearful spirit. Don't cover over your fears; face them. "I can do all things through Him who strengthens me." (Philippians 4:13 NASB).

5/25 - God Given Ability

Wed, 25 May 2011 02:00:05 EDT

5/25 We need to identify our basic, God-given pattern of abilities for work and then develop them so we are truly skilled in what we do. ". . .Well done, good and faithful slave; you were faithful with a few things, I will put you in charge of many things, . . . ." (Matthew 25:21 NASB).

5/24 - Modern Day False gods

Tue, 24 May 2011 01:00:01 EDT

5/24 Most of us are not tempted to worship actual false gods made of gold and silver these days, but many of us do worship the gold and silver itself. Today's false gods are just as dangerous as those of times gone by, and we risk losing everything good God has put on this earth if we become entangled with modern-day false gods. "Beware, lest your hearts be deceived and you turn away and serve other gods and worship them. Or the anger of the Lord will be kindled against you," (Deuteronomy 11:16-17 NASB). (Deuteronomy 11:16-17 NASB).

5/23 - Provision

Mon, 23 May 2011 01:00:02 EDT

5/23 God wants us to provide for our families. It is Satan who tells us we must protect them. "Do not be deceived, my beloved brethren. Every good thing bestowed and every perfect gift is from above, coming down from the Father of lights, with whom there is no variation, or shifting shadows." (James 1:16-17 NASB).

5/22 - Rationalization

Sun, 22 May 2011 01:00:00 EDT

5/22 Too often Christians rationalize that the end justifies the means. It doesn't. If we use the wrong means, the end is a waste of time. "You ask and do not receive, because you ask with wrong motives, so that you may spend it on your pleasures." (James 4:3 NASB).

5/21 - Accountability

Sat, 21 May 2011 01:00:01 EDT

5/21 Those who are not accountable to a close group of advisors will drift off--it's just a matter of when and in what direction. "Cease listening, my son, to discipline, and you will stray from the words of knowledge." (Proverbs 19:27 NASB).

5/20 - Grocery Shopping

Fri, 20 May 2011 01:00:05 EDT

5/20 Hint on grocery shopping: Avoid buying non-grocery items in a grocery supermarket except on sale. (These are normally 'high mark-up' items.) "Doing wickedness is like sport to the fool; and so is wisdom to a man of understanding." (Proverbs 10:23 NASB).

5/19 - Bribery vs. Integrity

Thu, 19 May 2011 12:00:00 EDT

Bribery can come in the form of flattering words, inappropriate gifts--even raises and promotions. Maintain integrity at all costs. "And a bribe corrupts the heart. You shall not distort justice; you shall not be partial, and you shall not take a bribe, for a bribe blinds the eyes of the wise and prevents the words of the righteous. Justice, and only justice, you shall pursue, that you may live and possess the land which the Lord your God is giving you." (Ecclesiastes 7:7,Deuteronomy 16:19-20 NASB).

5/18 - Financially Free Christians

Wed, 18 May 2011 07:00:05 EDT

The Christian who is financially free can look toward 'higher priority goals,' including the education of his children, retirement, and giving to God's work. "And my God shall supply all your needs according to His riches in glory in Christ Jesus." (Philippians 4:19 NASB).

5/17 - Forgiveness In Financial Matters

Tue, 17 May 2011 07:00:04 EDT

The Bible teaches us to forgive. In financial matters, this is a hard command to obey. If our business competitor falls into hard times, are we big enough to give good advice? Can you forgive a debt someone owes you and can't pay? How far does forgiveness extend? As far as the Lord is concerned, it stretches without end. "If your brother sins, rebuke him; and if he repents, forgive him. And if he sins against you seven times a day, and returns to you seven times, saying, 'I repent,' forgive him." (Luke 17:3-4 NASB).

5/16 - Foreclosure Does Not Mean God Is Finished With You

Mon, 16 May 2011 07:00:03 EDT

Although the bank foreclosing on your home is a serious problem, it does not mean God has washed His hands of you. You will learn a costly yet valuable lesson on the danger of surety. You are morally responsibility for this debt. When you entered into your contract, you bound yourself by your word to fulfill its intent. Work out a payment plan for the balance. "He who walks in integrity walks securely, but he who perverts his ways will be found out." (Proverbs 10:9 NASB).

5/15 - Financial Planning

Sun, 15 May 2011 07:00:10 EDT

Planning is an essential element in any financial program, but particularly so for Christians. Often Christians question whether they should do any planning. They ask, 'Shouldn't I depend totally on God?' Yes, but that doesn't mean to sit at home and wait for the delivery of manna. That is not God's attitude. "The prudent sees the evil and hides himself, But the naive go on, and are punished for it." (Proverbs 22:3 NASB).

5/14 - God's Victory

Sat, 14 May 2011 07:00:00 EDT

If Christians will face their fears in God's strength, God will bring victory and peace. "And the peace of God, which surpasses all comprehension, shall guard your hearts and your minds in Christ Jesus." (Philippians 4:7 NASB).

5/13 - Attitude of Favoritism

Fri, 13 May 2011 07:00:08 EDT

There should be no attitude of favoritism within the Body of Christ. Many Christians and Christian organizations cater to wealthy individuals, and many wealthy Christians demand special attention. We are all the same in God's sight. "My brethren, do not hold your faith in our glorious Lord Jesus Christ with an attitude of personal favoritism." (James 2:1 NASB).

5/12 - What Does Provision Mean?

Thu, 12 May 2011 07:00:05 EDT

God requires that we provide for our families. This provision for the family goes beyond just the husband, wife, and children. It includes others--mother, father, grandparents--right on down the line. It isn't the church's responsibility or that of the government. What kind of witnesses will we be to the non-Christian community if the members of our own families go without? Christians must awaken to this responsibility. "But if any one does not provide for his own, and especially for those of his household, he has denied the faith, and is worse than an unbeliever." (1 Timothy 5:8 NASB).

5/11 - You Should Have A Will

Wed, 11 May 2011 11:00:02 EDT

Cars, furniture, antiques, savings accounts and even books are considered part of your estate. And many people have a larger estate than they realize. For that reason, every Christian should have a will. "As he had come naked from his mother's womb, so will he return as he came. He will take nothing from the fruit of his labor that he can carry in his hand." (Ecclesiastes 5:15 NASB).

5/10 - Your Business Ethics

Tue, 10 May 2011 07:00:05 EDT

Perhaps nothing reflects the decline in our society more than current business ethics--or the lack of them. "A wicked man receives a bribe from the bosom to pervert the ways of justice." (Proverbs 17:23 NASB).

5/9 - Associations

Mon, 09 May 2011 08:00:01 EDT

We are told not to associate with evil people. The Bible warns us not even to eat with evil people; we should be very careful in all our associations with others, choosing wisely our business associates, employers, and friends. "...I wrote to you not to associate with any so-called brother if he should be an immoral person, or covetous, or an idolater, or a reviler, or a drunkard, or a swindler---not even to eat with such a one." (1 Corinthians 5:11 NASB).

5/8 - Most Consistent Area of Discouragement

Sun, 08 May 2011 11:00:02 EDT

Perhaps the most consistent area of discouragement for most people is financial failure. Not only are our egos involved with our ability to provide, but also our security is threatened. "And which of you by being anxious can add a single cubit to his life's span?" (Matthew 6:27 NASB).

5/7 - Problems: What Is There Purpose?

Sat, 07 May 2011 11:00:00 EDT

5/7 God knows what it takes to keep us attuned to His direction. He allows problems to occur that keeps us dependent upon Him. If you want the perfecting of your faith, it comes by way of testing. "Consider it all joy, my brethren, when you encounter various trials, knowing that the testing of your faith produces endurance." (James 1:2-3 NASB).

5/6 - The Reason for Faith

Fri, 06 May 2011 07:00:01 EDT

Faith is for sustaining us through trials, not paving a path around them. "Blessed is a man who perseveres under trial; for once he has been approved, he will receive the crown of life, which the Lord has promised to those who love him." (James 1:12 NASB).

5/5 - Employee's Pay

Thu, 05 May 2011 07:00:03 EDT

The first step in establishing the principle of fairness is to recognize that all people are important, regardless of their vocational position. God is not concerned about what others think is fair but what He thinks is fair. You must pay employees a livable wage or hire those who can live on what you're able to pay. "And you shall not oppress a hired servant who is poor and needy, whether he is one of your countrymen or one of your aliens who is in your land in your towns." (Deuteronomy 24:14 NASB).

5/4 - Be Exceptional, Not Average

Wed, 04 May 2011 07:00:02 EDT

We live in a society in which average is exceptional and slothful is normal. The trend today is to seek the path of least resistance and when the going gets difficult, give up. In school when grades are averaged together it's called 'grading on the curve.' We as Christians have allowed our standards to be graded by the 'curve' of the world. It is vital that we walk according to God's Word. "For My thoughts are not your thoughts, neither are your ways My ways...for as the heavens are higher than the earth, so are My ways higher than your ways," (Isaiah 55:8-9 NASB).

5/3 - Your Employees

Tue, 03 May 2011 07:00:04 EDT

Sow caring into employees and you will reap loyalty. Sow disinterest and you will reap distrust. "Do nothing from selfishness or empty conceit, but in humility of mind let each of you regard one another as more important than himself." (Philippians 2:3 NASB).

5/2 - Preoccupation With Success

Mon, 02 May 2011 07:00:05 EDT

The greatest threat to our service to God is being sidetracked into a preoccupation about success. According to God's Word we must have a servant's attitude-not a superior attitude---toward others. "Whoever exalts himself shall be humbled; and whoever humbles himself shall be exalted." (Matthew 23:12 NASB).

5/1 - Vocational Authority

Sun, 01 May 2011 07:00:03 EDT

Just as employers must stand responsible for their workers' welfare, employees have a responsibility to their vocational authority. Honor is the minimum attitude and excellence is the minimum standard acceptable to God. "There is nothing better for a man than to eat and drink and tell himself that his labor is good....it is from the hand of God. For who can eat and who can have enjoyment without Him?" (Ecclesiastes 2:24-25 NASB).

4/30 - Wills: What Happens When You Don't Have One

Sat, 30 Apr 2011 07:00:03 EDT

When you don't make a will, you allow the state to determine how your assets will be distributed. "...'There was a certain rich man who had a steward, and this steward was reported to him as squandering his possessions. And he called him and said to him, 'What is this I hear about you? Give an account of your stewardship, for you can no longer be steward.'...'...." (Luke 16:1-2 NASB).

4/29 - Employment: Give Honor and a Good Job

Fri, 29 Apr 2011 07:00:02 EDT

4/28 - God's Faithfulness

Thu, 28 Apr 2011 07:00:02 EDT

One of the greatest joys a Christian can experience is God's faithfulness. He never fails us. Regardless of how other people treat us, God remains faithful. "By glory and dishonor, by evil report and good report; regarded as deceivers and yet true; as unknown yet well-known, as dying yet behold, we live; as punished yet not put to death, as sorrowful yet always rejoicing, as poor yet making many rich, as having nothing yet possessing all things." (2 Corinthians 6:8-10 NASB).

4/27 - God's Strength vs. Our Strength

Wed, 27 Apr 2011 01:00:01 EDT

A Christian can excel at whatever he or she does without egotism. God desires to break our ego--not our spirit. We can accomplish a great deal in our own strength and ability, but the lasting effects are minimal. "Do nothing from selfishness or empty conceit, . . . .Have this attitude in yourselves which was also in Christ Jesus, who, although He existed in the form of God, did not regard equality with God a thing to be grasped, but emptied Himself, taking the form of a bond-servant, being made in the likeness of men. . . .He humbled Himself by becoming obedient...." (Philippians 2:3,5-8 NASB).

4/26 - Exculpatory Clauses and Surety

Tue, 26 Apr 2011 07:00:01 EDT

When you exculpate a loan it means that the lender agrees to clear you of all blame (to hold you harmless) if for any reason you fail to pay the loan off according to the terms of the contract. When you sign any note payable and do not have an exculpatory clause, you have signed surety. "Take his garment when he becomes surety for a stranger; and for foreigners, hold him in pledge." (Proverbs 20:16 NASB).

4/25 - Trusts for Children's Education

Mon, 25 Apr 2011 07:00:01 EDT

It is usually best to commit education funds to a trust in your children's names. "Do not merely look out for your own personal interests, but also for the interests of others." (Philippians 2:4 NASB).

4/24 - Use It or Lose It

Sun, 24 Apr 2011 07:00:06 EDT

God created us to be productive beings throughout our entire lifespan. As the old cliche goes: 'Use it or lose it.' "For we are His workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them." (Ephesians 2:10 NIASB).