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?

Poverty Mentality

This morning a friend posed an interesting question concerning our human, natural instinct that circumvents "change" at all costs. Change is not easy for us, as she so eloquently put it.  Since this is a topic that I write about, I was interested in what she was saying, and I posted on her query. Also, since she is a nutritionist and very active in helping people overcome health issues, the subject naturally leaned in that direction as well.  I'm hoping that you benefit from the conversation below:

Angela: "Thinking about some lessons as of late about how we live in a spirit of poverty. Pondering this, this morning about how we let the spirit of poverty control us or make us believe wrong things about God's promise of His provisions. I'm not talking just finances either. Mulling over the spirit of poverty and how it can creep in and we can find ourselves impoverished: mentally, emotionally, spiritually, financially and physically. How does it affect us? Are we sick/sickly/tired/run down because we believe our "condition" can never improve? Are we distant in our relationships because we have been hurt? Are we spiritually awake in our lives? Financially is there hope that things will change for us? Can and will God truly meet all of our needs?  Will our circumstances ever change?  Things to ponder in light of "He will supply ALL our needs" What do WE need to change in our belief patterns, faith patterns, emotional patterns, and behaviors? Can we begin to ACT as we should believe....that He WILL supply for all our needs.

"Jane, too often, I feel, or rather, believe, that it is our BELIEFS that keep us stuck in the poverty. Now, I'm not talking when $$ is TRULY so tight. I'm not trying to harass anyone here about just "get up and get yourself out of poverty. It's real, it exists. But I know you work very strongly with faith and belief patterns. I'd love if you could share some thoughts here......how CAN we begin to move in faith and belief and move towards actions of changing our lives and coming out of the different types of poverty in our lives. Will you share?"

Jane: "Sure, Angela. But as you have said, it's not just a matter of "get up and get yourself out" ... of anything, poverty mentality included. Believe it or not, this is what "Duct Tape for the Christian Mouth" is all about ... changing old, unproductive and/or inappropriate thought patterns and belief systems, habits and traditions.

"The REAL issue is to get back to the root cause of the belief. Are we believing something that is true, or not? If it's not truth, do we still want to hang onto that belief? Often when I'm asked this question, I compare it to hoeing weeds. I just can't wrap my brain around the principle of hoeing weeds! I do understand that we need to get rid of those weeds, or they will overtake our yards, and then some! But hoeing them only takes off the top of the weed. There's still a root system underneath the ground, and that root will grow thicker, fuller and bigger now that we have taken off its head ... and we'll have an even greater problem than we had before!

"The same is true with our beliefs, ideas, attitudes and habits. We must get back to the root cause. And then we must choose. Our choices are: 1) to still hang onto that old way of thinking, OR 2) to toss it out like yesterday's trash, and replace it with TRUTH!

"While this is not an easy process, especially since we are strong willed, independent and most often comfortable with what is familiar to us, it is possible. It depends on how bad we want it. How badly do we want change, even change for the better? What is priority in our lives, we will find time for. We will find a way.

"This is true not just with the poverty mentality that you're talking about, but it's true even with our health. I was literally forced into taking a step back and doing something on the offensive about my health. I've always wanted to "grow old gracefully." But there came an issue in my life (migraines) that caused me to re-work my thinking. At the same time I was developing migraines, I was also developing an allergy to drugs. While sitting in the allergist's office one day, I read a poster on his wall about the immune system. It fit right into my belief that God created our bodies to be healthy, and to ward off illnesses when they attack. And He gave us the "equipment" to do it. One of those things is our immune system. When the immune system has a glitch in it, that's when it loses it's ability to ward off that which would make us sick.

"Long story made short, I realized that I needed to take the pain medicines the doctor was prescribing, when the migraine hit. But I also realized that while those drugs were getting rid of the symptoms, they were doing nothing about getting rid of the root cause of those migraines. And just like those root systems that I talked about above, the root cause of the migraines needed to be dealt with. That's when I started going on the offensive with my health.

"And a change in my thinking processes and belief system was necessary to carry it out. Are nutritional supplements and foods expensive? Yes! But I'd much rather spend my money on supplements that KEEP me healthy, than on drugs to GET me healthy. It's taken a while to get to this place, but most times now I don't even have to medicate it when I get a headache!

"This principle of change is crucial to our lives! Freedom without responsibility equals chaos ... and chaos is what has happened in our minds and in our bodies of late. For more information on this subject, please see "Duct Tape for the Christian Mouth." 

Those are my thoughts, what are yours?

Tate Publishers, or wherever books are sold

 

 

 

Survival of the Fittest; Surviving in this Financially-Driven Society

Surviving in this financially-driven society has become quite a feat. A long time ago, I made a conscious choice. I decided that I never wanted to be rich. I wanted to be able to "make it," ie: pay my bills, and have a little left over for the extras that I'd like to do or have. But I didn't want to be wealthy. The reason? Because I wanted to be liked or not liked, as the case may be, for who I was ... not for what I had.

There's a story told in Luke 15: 11 - 32, about a young man who was disheartened with his life at home. We don’t know the details of this young man’s growing up years or the reasons behind his displeasure and malcontent. We don’t know what type of personality his family members had or what type of personality he had. But because of what happened next, we do have a basic understanding of his family’s financial status. The young man wanted to leave home, so he went to his father and asked him for his inheritance. His father, operating out of wisdom that we are hard-pressed to understand until later on in the story, went along with his son’s request. The son then took that inheritance, left the “confines” of his home and family, and went to a faraway place.

It wasn’t long before the son was in trouble. He spent all his money on riotous living, and while he did so, he was deluged with friends. But soon the inheritance was gone, and because of that, his so-called "friends" left him as well. It so happened at about that same time, that the land he was living in began to experience a disastrous famine. Food was scarce. This prodigal son had no money left,  and no friends around to help him. So he was forced to seek employment. A neighborly citizen of the land hired him and sent him out to feed his pigs. The prodigal son, who once lived “high on the hog,” was now reduced to feeding them.

There have been times in my life when I regretted making that earlier decision about my finances ... especially because it turned out to be exactly what happened in my life. The good part is that I have been blessed with friends. True friends. Real friends. Friends who have been with me through thick and thin. Friends who cared enough to care for me, and care about me. Friends who have not hesitated to confront me when I needed it, and friends who have had enough courage and compassion to put their arm around my shoulder when I needed comfort. And ... friends who have not run in the opposite direction because I had financial needs.

The seemingly not-so-good part is that I've lived most of my life from paycheck to paycheck. Those of you who are struggling in this current recession, understand what that means. There have been many times when I have wondered whether we were going to make it or not. This concern was exacerbated greatly because I have an inbred craving to get my bills paid on time, to keep my good credit standing, and to get out of debt. It was tough when the money ran out before the month did. But somehow we always had a roof over our heads, food on the table and clothes on our backs.

Because of the famine in the land, there soon came a time when there was not much for that young lad to eat. Eventually, he became so hungry that he considered eating the food he was giving to the pigs. Later, we will go on with the end of the story. But for now let’s examine just what it was that put this young man … and us … into the position of having to eat from a pigsty.

There is a saying in this world, “The grass is always greener on the other side.” It seems like somebody else always has “it” better. They have more fun than we do … or more money … or more laughs … or a bigger house … or a better car. Their kids behave better than ours … everybody likes them better … or they go on more vacations. They’ve got it easy, we’ve got it tough. Life is just passing us by. It seems like many people are discontent with their lives, just like that prodigal son. With the entrance of sin into the world, our relationship and communion with God was severed. We became separated from our Heavenly Father. At this occurrence, a vacuum was created — a hole, if you will – in our beings. We were no longer complete and whole; we were apart from the presence of God. So our self-nature filled in the gap. Instead of God being the center of our beings, self took the place. And with self on the throne, down we went.

The prodigal son’s experience personifies what we all go through. Self-nature becomes dominant, and selfishness is the outcome. Just as this young man, we want our part … and we want it now! The sensual lifestyle looks good, but we are blind to the realization that all that glitters is not gold. Focusing on the fleshly desires, our spiritual lives have become impoverished. When that happens, we generally hit the bottom of the barrel in self-degradation, humiliation, corruption, and disgrace. We have become “starved.” We have become blind to the truth that this fleshly life is but a wisp, a vapor that vanishes away after a short period of time. We have forgotten that soon we will be facing eternity, for our spirits will live on forever. This self-degradation … this separation … is something we may or may not even realize, depending upon whether our face is literally in the “pigsty,” or the stigma is spiritual and character related. In either case, we’ve all been there.

All that may look pretty bleak to you, but there is hope! As he came face-to-face with the food in that pigsty, a realization came to the prodigal son … the realization of what he had left behind. His father had servants, and they were eating better than him! He was dying of starvation, yet his very own father could restore him to life. All he had to do was go home! Once this unmistakable insight hit him, he immediately knew what he had to do. He decided that he would go to his father and admit his sin. The lad knew that because of his sin he was no longer worthy to be thought of as a son. So he would ask his dad to hire him on as one of the servants! Food, clothing, and shelter would once again be his, not to mention the fact that his life would be spared.

The prodigal son had an awakening, an awareness and conscious knowledge of his fragile position in life. He also had a revelation about what he needed to do in order for his life to be spared. One more thing he had at that point, which he did not realize that he possessed the moment before, was a choice. He knew where he was and knew what he had to do to get out of the mess he was in. Now he had a choice; he could do what was necessary (repent and go home), or abstain from action and stay like he was.

I've been faced with that same choice. While I've never had my face literally in a pigsty (thank God!), I've had to change the way I was doing things; change the way I handled my finances. Change details such as the way I grocery shopped, or the amount of clothes or household items I bought. Change the amount of cable channels I have had. But through the years, we've always had a roof over our heads, food on our table and clothes on our backs.  Looking back at some of those times in my life, I have no idea how we made it through those financial droughts. Well, yes I do. It was a God thing for sure.

I've also had to repent many times for my lack of trust and for my worrying. And I've had to get some priorities straight. Sometimes we can't see the forest for the trees ... and my financial life was like that. Now I've lived long enough to be able to look back on some things. And I can tell you in all honesty that it's God who sustains me. God is real, He's alive and He's a good God. And He cares about His children ... even their financial states.  We have all been separated from Him, as was the prodigal son separated from his father.  But we, too, have the same choice in life. We can repent and return to the Father. And place even our finances in His most capable hands, using wisdom from His Word to conduct our financial matters. And when we do, we will be among the "fittest."

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