Post Holiday Blues: Surviving in this Financially Driven Society

Ok ... the holidays are behind us. Many of us spent time with family and friends, enjoying good food and traditional gifts underneath the Christmas tree.  Parties and Christmas lights all around, grabbed our attention. And for a while, there was joy.

But before all this, there was planning and preparation.  And shopping. In a world full of technological advances, we were shown over and over what was "hot" and what was not. We knew what we wanted to buy, before we even made it to the store.  Our hearts were big ... and we wanted the best for our loved ones. Ohhhh ... it's so easy! With pre-season as well as last minute sales, credit card access, lay away plans, and stores vying for our business, it's hard to resist going a bit overboard.

But now come the bills.  Now we have to pay for all that holiday cheer. The flood begins ... and it is almost overwhelming. 

I'm about to give you one of the most important, yet difficult tips for financial sanity in this financially driven society. I call it 10-10-10. This 10-10-10 principle works with any amount of income, from $.10 all the way up to any amount you can think of.  Notice I didn't say it was easy; but it does work. Persistence, endurance and determination are the keys to making this principle work for you in a world that is permeated with buying and selling. 

First, as I told you in "Survival of the Fittest; Surviving in this Financially Driven Society" (which was Part 1), we need to get our priorities straight.  We must know our Source.  Sure, it is we who get up in the morning, don our outfits, feed our faces, leave our homes and families, and walk or drive to our places of employment. But it is God who gave us the means and ability to do so. It is God who gave us the strength and talents we use to support ourselves and bring home the "bread." It is God who gives us the mental capacity to decide where all the money we have earned will be spent. So consider Him first. In His Word, God tells us  to "Bring ye all the tithes into the storehouse ... and prove me now, saith the Lord of hosts, if I will not open you the windows of heaven and pour you out a blessing..." (Malachi 3: 10)

So, in obedience to His Word, our first 10 is the 10% we tithe to the Lord. Don't get all caught up in where that tithe should go, or whether that 10% should be based on your gross or net income. Just find a church or ministry that you believe is working on behalf of the Lord, or one that you believe has needs, and donate the first 10% to God through that organization. 

The second 10 is the 10% you put into savings.  If you don't put some money back for future use, you will never get ahead. 10% may seem like a small amount, especially if your dreams are big. But it's a start. It's a first step. And with persistence and determination, this amount will grow.

The third 10 is the 10% you spend on yourself. This is an important part of the plan. If you don't take some of your hard-earned income and spend in on yourself ... if you don't enjoy some of it ... you will burn out. Our financial burdens will quickly overwhelm us, if we don't take some "time-out" for fun, or new clothes, or a night out, or whatever does it for you.

Pay your bills with the balance of your income.

So the plan is ... 10% tithing, 10% saving, and 10% spending. 10-10-10. Everything gets taken care of with this plan. Nothing gets left out. And the plan can be worked with any amount of income you have. As with other issues, it's not always easy. Especially in the beginning. But it is workable. And you can start now for the next go round of holidays!  You will be the winner in the end!

Those are my thoughts. What are yours?

Spiritual Warfare

Available at barnesandnoble.com

Have you ever seen a movie containing a scene of a battlefield … for example, a scene depicting a civil war battle? You see the scene from a distance; both sides standing out in a huge field, in lines, armed with nothing but their rifles. Sometimes there are so many soldiers that they are in groups. Each side faces the other, and begins to walk towards their enemy at the command of their leaders, who generally are sitting atop a hill or mesa, viewing the same scene that you are watching. They shout their commands, which are passed on down through the ranks to the front lines.

The suspense rises as the two sides march towards each other. When they are within range, one side is commanded to take aim. They shoot, and the front line soldiers on the opposing side drop to the ground, dead. While the front line that shot first reloads their rifles, the second line on the receiving side of the first rally takes aim and fires at the front line that just shot at them. Then their front line soldiers drop to the ground, shot dead. The battle continues like that until ammunition runs low, at which point the two opposing sides join together in hand-to-hand combat. More often than not, the scene ends by showing a “scenic” view of the country-side littered with the dead bodies of many soldiers. Maybe the heroes on both sides are walking through the war-torn country side, commiserating with their second in command about one or another of the reasons for this massacre.

Now, I’m not a military person, but every time I watch a movie with old-timey battle strategies like that, I wonder. I don’t know if it really happened that way, but if it did it would surprise me. It just seems ludicrous to me … both sides standing out there in the wide open field, with no protection from the shots fired at them from across the meadow, no chance of survival unless the man standing face to face with you is a poor shot. No protection … while your enemy has the power to shoot directly at you!

I am very grateful that the battles … especially the spiritual battles … we face today are not like that. I’m glad that God gives us protection ... the armor of God (Ephesians 6: 13 - 17).

The first order of business in any warfare, is to know exactly who your enemy is. Our true enemy does not line up in a field or meadow with a neatly-pressed uniform, and take aim across space against you, a totally unprotected, brave, but extremely fearful, human being, who is just standing there waiting to die. Your enemy is one you cannot see with your eyes of flesh. He is the evil one who is still around after having deceived Eve in the Garden of Eden. He puts his boney fingers into the “pot” and stirs up all kinds of strife and trouble, even in this day and age. He knows exactly what circumstances to use to get us off track, exactly what button to push and when. Without God, we would have no defense. However, as a first line of defense, God tells us exactly who our enemy is, so that we can know exactly who we should be fighting against … and who we shouldn’t.

Has anybody ever asked you: "Did you put on your armor today?" I've had that question asked of me many times in my Christian walk. I’ve thought about and meditated upon the armor of God for many years. I used to picture myself putting on this armor … placing the helmet on my head, buckling the breastplate around my chest, and folding my pant legs in exactly the right manner so as to be able to tuck them into my boots. Grabbing up the shield and sword, I was on my way into battle. But God doesn’t leave us in our foolishness for very long. I came to realize that spiritual armor is not just what we envision (through prayer) ourselves putting on every morning when we wake up.  These are very real pieces of armor that we must hone and manage our very lives with!

The first piece of armor I felt God gave me, was the helmet of salvation. That’s extremely important. We must know that we know that we are saved. This is not a matter of pride because we think we’ve done something good, so we’re going to Heaven. It’s a matter of accepting what Jesus did for us, and taking Him at His word. About this one point (our salvation) we must be absolutely sure. If doubt comes in to this issue, if we are unsure about our salvation, we will never win any spiritual battles.

Next comes the breastplate of righteousness. Interesting concept, righteousness. In this day and age when so many believe that “what’s right for you may not necessarily be right for me," it’s hard to get back to the basics of right and wrong. There are basic “rights” and “wrongs,” you know. God’s Word says so. Yes, some things are good and/or right for one that would not be good or right for another. But what is written in the Bible by the Holy Spirit of God, there can be no question or doubt about. If God says it, it’s a done deal. Righteousness is holy and upright living. Decency and honesty. It is not a bullet-proof vest that we need for protection, it’s a true and sincere desire for upright living. We don’t don a literal vest, or breastplate, we cultivate and develop a desire for doing what’s right, and then we begin to conform our actions to that desire. That’s what the “breastplate of righteousness” is all about!

Having our feet shod with the preparation of the gospel of peace means that we “walk” (live) in peace with all, as far as we have the ability to do so. Once again, this is not an actual putting on of a pair of boots. It’s a style of living that will help keep us protected against harm. The shield of faith … that one’s pretty obvious. Developing and exercising faith, provides a shield that will protect us from the tricks and deceptions of our enemy. And the sword of the Spirit … come to learn and know God’s Word, because through it and by it we can have the weapon we need to win the face-off with our enemy. With it, we can avoid many pitfalls that could produce harm, or even death, in our lives.

So you see that the pieces of spiritual armor are not something you "put on" every morning when you wake up, and "take off" at night when you go to bed.  This armor is very real concepts that each of us need to be developing and living by.  It is this armor that will help us overcome the battles we face. With this kind of protection, we're sure to be the victor!

Legislating Humanity

You'd think we'd learn ... humanity's problems cannot be solved through legislation.  

We've just come through the most extensive, expensive mid-term election process of my lifetime. People were not happy with the political climate as it stood. Therefore, many incumbents were voted out of office, and  "new kids on the block" replaced them.  Do we really think that will help? Will Washington change its policies and procedures now, just because there are more Republicans there?  Do we not realize that this current administration is coming in on the tail end of the last one? And the last one came in on the tail end of the one before? Each has had to deal with and overcome the faux pas of the administration before it.

When will we learn ... there will always be Democrats. There will always be Republicans.  There will always be the rich and the poor. There will always be the white and the black. There will always be men and women. There will always be lines and boundaries over which some cannot resist crossing.  There will always be greed, pride, anger, and hunger for power. There will always be problems to solve, and there will always be people sitting on the opposite sides of the fence on how to solve them. 

That's because humanity in and of itself is not only imperfect, but it also has a sin nature to deal with.

We are each uniquely created. We are all different, with differing viewpoints and opinions.You cannot legislate humanity. If you try, what you'll end up with is so many laws that there will be no room left on earth to write them all down!  Certainly there would not be enough law enforcement officers to enforce all the laws and catch all the "criminals," or enough time to try them all in a court of law, or space enough to house them all in prison. In fact, who would determine who is the "criminal," since last time I looked, law enforcement officers are human as well, and they are endowed with the same imperfect human nature that the rest of us are! Well then, maybe we should just lock everybody up!

Ridiculous? Yes. The "cure" for humanity is not in more, or even different, legislation. When will we realize ... the only "cure" for humanity is to be found in Jesus Christ.

Chilvary Is Not Dead

Available at Tate Publishing

Just in case you were wondering, I found the answer ... chivalry is not dead yet.  With a world full of crime, passion, anger, drive-by shootings, deceit, greed, abuse, and I could go on, where the portrayal of negative far outweighs the portrayal of positive in the media, we often lose sight of the many good deeds that go unnoticed. But this one won't.  

Out here in west Texas, we have a lot of highways. Long-distance travel is a way of life around here.  It's important to have a decent, mechanically sound vehicle.  On my way to a book-signing event this past weekend, I had a blow-out.  There began the miracle. The first blessing was that the car didn't roll.  Strange, because I was travelling at 70 mph (the posted speed limit). I've been driving for almost 50 years now, and I always have thought that if you were traveling fast when a blow-out occurred, your car would, at the very least, shimmy. And the possibility of it rolling was very realistic. But, I didn't even feel the blow-out at all! I just noticed smoke coming from the back of my vehicle, and pulled over.

Anything could have happened at that point. But after a short prayer, the second blessing occurred. Three gentlemen pulled over to help me out. Two changed the tire, and the third made sure the balance of my trip was safe. He made sure I got to the next town safely, got the tire replaced, and even made sure I got to my destination safely. Doesn't sound like much, you say? You'd have had to have been there. This young man went way above and beyond the "call of duty." His reasoning for doing all he did was, "If it were my mother, or my wife, or my sister, I'd want someone to do it for them."

We are each blessed with gifts and talents. Some know their gifts and talents, and use them to the fullest. Some don't yet realize what their gifts and talents are.  My story relates to the parable of the Good Samaritan. Luke 10: 25 - 37 tells the story of a certain man who was travelling along the road to Jericho, when he fell into the hands of some robbers. He was beaten, stripped and his possessions were taken. Some time later, three other men happened upon this now half-dead man. One was a priest, another was a Levite (the same as the victim). Neither stopped to help. Then came a Samaritan. Now, the Samaritans and the Levites were not on the best of terms ... yet the Samaritan was the one who helped the man who had been beaten and robbed. And not only did he assist the fallen Levite, but the Samaritan also provided the means by which all needed care could be given upon his departure.

Sound familiar? If not, read the beginning paragraphs again. My dilemma was not as life threatening as was the Levite's. But I was stuck nonetheless.  I needed help. In the parable, Jesus was teaching a lawyer, no less, about life.  "You shall love the Lord your God with all your heart, and with all your soul, and with all your strength, and with all your mind," He said in verse 27, "and your neighbor as yourself." Jesus was telling this lawyer that this is how we are to treat each other. It's what life is all about. It's why we were created in the first place. And it's where the old saying came from: "Do unto others as you would have them do unto you."

Guardian angels do exist. They are real. Mine sent a wonderful "good samaritan" to help me that day. What did I learn from this experience? I learned that chilvary is not dead. I learned that miracles do still happen. And I learned that I should be passing the blessing on to others.  Keep your eyes peeled. There may be someone out there who needs your help!

To Judge or Not to Judge

Wherever books are sold

How many times have you heard someone say we are not to judge others? How many take offense when they are told they are doing something wrong? How many times have you heard, "Even Jesus didn't come to judge us!" Yet, how can we stay away from what is wrong, if we don't "judge" it as being so? What do we do about this dilemma?

It's true that Jesus didn't come to this world to judge us. He came to preach the kingdom of God and to bear witness to the truth. But have no doubt ... Jesus will some day be our Judge. God is not only a God of grace and mercy, but He is a just God as well. He has committed all judgment unto Jesus Christ, and He has appointed a day for the judgment of the world to take place.

This task of judgment belongs to Jesus ... it does not belong to us. The Bible strongly warns us against indulging in judgment of others. Matthew, chapter 7, talks to us about removing the beam in our own eye before we consider the "mote" (speck) in our brother's eye. It warns us not to judge others, that we might not be judged. And if that's not enough, Romans 2: 1-3 warns us that we condemn ourselves when we judge others!

However, while judgment is forbidden in Scripture, admonishment and reproof are actually encouraged in the Word of God. We are urged in Colossians 3: 16 to "teach and admonish each other in psalms and hymns and spiritual songs..." And the Bible goes beyond just advising and encouraging us to admonish each other. It implies that admonishment and reproof are our duties. II Timothy 4: 2 tells us to "...reprove, rebuke, exhort with all longsuffering and doctrine." And Titus 2: 15 tells us to "speak and exhort and rebuke with all authority."

So, where do we draw the line? Judgment is forbidden, but admonishment, reproof and rebuke are encouraged, and even commanded. Perhaps a good way to begin looking at this issue is to remind ourselves just what the whole point of reproof is all about. What is its purpose? And what is reproof supposed to accomplish?

Judgment carries with it the element of finality. Reproof, and even rebuking someone, carry an element of learning, repentance from sin, and restoration to unity. Is our intention to teach another? Do we want to correct them so that they may be brought back into the way of righteousness? Even in our sharp rebuke, is the soundness of the person's faith our motive? Godly reproof will help someone recover themselves out of the snare of the devil. And this recovery always brings honor.

We need to be sure about our own motives before reproving another.

Those are my thoughts. What are yours?

Why Do People Falter?

Available at Tate Publishing

Interview question asked of me: "Why do you think so many people tend to falter in their beliefs when times get tough?"

My answer: 

God gave us 5 senses … hearing, sight, taste, touch and smell. He gave us those abilities so that we could stay in touch with the world which He created for us to live in.  He also gave us His Spirit, so that we could stay in touch with Heaven. He also had to create us with an awesome power, called the power of choice. (That’s another story for another writing! ;o}) In our self-willed, self-centered, independent nature, we have grown into a state of becoming more and more “dependent” upon our five senses, and less and less dependent on God’s Holy Spirit. What we can hear, see, taste, feel and smell has become more real to us than what cannot be detected by those five senses.  The world has become more and more dominant in our lives, than what comes after this fleshly life is over.  Worldly “reality,” instead of spiritual “truth.” That which we are used to depending upon (the world), fails us when traumas and tragedies strike because what has not been developed in our lives(spiritual relationship with God), is then not as obvious to be found when those hard times hit. It’s like exercise. Exercise strengthens the physical body, and then when that strength is needed, it has already been developed. Without even a moderate amount of movement (exercise), that strength would not be there when we need it. It’s the same way spiritually and emotionally.

Yet, there’s still something within each of us that’s crying out for the spiritual. We see it all over the place in this day and age, especially through the entertainment industry. There are more ghost chasing stories, more stories about mediums and the like, more stories about spiritual powers, on TV and in the movies today than ever before. The problem is that God (and we) has an enemy; he’s the father of lies. He’s the one who deceived Eve all the way back in the Garden of Eden so many years ago, and he’s still around today trying to deceive anyone who will listen. And through his deception, who God really is and what He will or won’t do, gets twisted in our minds and hearts. It’s so critical that we know where any spiritual “power” comes from, so that we do not fall into that deception. Because guess what? That deception will also fail us in times of need. 

God is the only One who sustains. I’m aware that many go through tough situations without the knowledge of His existence, but truthfully, I don’t know how they do it. Without Him and His real and active presence in my life, I would not be here writing these words. There’s absolutely nothing like a touch on your mind and/or heart by God when you’re at your deepest, darkest point. Circumstances may or may not change, but you surely will.

The Breath of Life

Wherever books are sold

Have you ever been compared to a balloon? Me neither. Until this morning ...

We have a time for children during our Sunday morning worship. This morning, before church, a young one gave my pastor a balloon.  So, of course he brought it into the sermon. He held it up before the congregation, and asked one of the kids sitting beside him what was inside that balloon. She answered, "Nothing!" "Are you sure?" asked the pastor. "Yep." "There's nothing inside this balloon?" "Nope." "How about air? Is there air inside this balloon?" "Ohhhh, yes!!!" was the resounding reply. "Where did that air come from?" he asked. "It came from God," a little boy answered. After pulling himself together, the pastor laughed as he explained, "Yes, it's God's air, but it came from your mouth. Right?"

Strange how our minds work, but as all this was going on up at the altar, I was thinking about the air in that balloon.  I thought about how it made that balloon look. With no air in the balloon, the balloon is flat as a pancake.  With air in it, it had life. Big, bouncy, fun. Made me think about us.

God created the world, and everything in it. Then He created humanity. He took the dust of the earth and worked with it much the same as a potter works with clay. He molded it, fashioned it, and formed it, and the final result was a man, whom He called Adam.  But Adam, even though he now had a body, did not yet have life. It wasn't until God breathed into him the breath of life, that Adam came alive. Kind of like that balloon. It existed, it was. But not until that young boy blew air into it, did it become a toy to be played with.

Bet you thought that was the end of the story, right? Nope. Take that same balloon and instead of blowing your own air into it, fill it with helium instead. What happens then? Suddenly that balloon has new life! Now that balloon can fly! Let go of the string, and that balloon will rise as far as it can go, if you happen to be inside. And it will fly as far as the eye can see, if you happen to be outside. New life.

That's what the Holy Spirit of God does for us and in us. We are born. But when we become Christians, the Holy Spirit breathes new life into us, and we become born again. No, we did not return to our mother's womb. The new birth I speak of here is spiritual. We ask for, and are given, forgiveness for our wrong doings, and we accept the truth of what Jesus has done for us. We accept His gift and invite Him to live in our hearts and guide our lives. He brings with Him one of the most awesome gifts we will ever receive ... that of the Holy Spirit. New life is breathed into the very core of our being, and every fiber of our being is renewed and rejuvenated.

At the moment of conception, we are kind of like that flat balloon. When we are born, God breathes that breath of life into our lungs, and we are alive ... similar to the balloon blown up by that little child.  But then, the most amazing thing happens when we become Christians. New life, given by the power and grace of the Holy Spirit ... and through that new life, we can fly as far as the eye can see!