Next Steps for Faithful Money Management

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The following post is part of our Treasure Hunting series. Find out more about our Treasure Hunting series here.

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This past Sunday we looked at practical, biblical, faithful ways to manage the money that Jesus has entrusted to us. Different people are in different situations when it comes to financial management; therefore, faithful repentance and growth looks different for each of us. The question to ask is: what is the next step that I need to take to faithfully manage Jesus’ money?

Step #1: Make a budget. If you currently have no budget, start here. Tell your money where to go. If you don’t tell your money where to go, you will wonder where it went. If you don’t tell your money where to go, too much of your money will always drift towards your lifestyle. Without a plan, it is highly unlikely that you will accidentally invest your money in Jesus’ kingdom and mission.

If this is you and you would like some help, talk to your LifeGroup and sign up for our Personal Finance Seminar.

Step #1b: Get out of consumer debt. This step is so important that I won’t be able to sleep tonight if I call it step 2. If you are racked with debt, the scriptures say that you are in slavery. Proverbs says that “the borrower is slave to the lender.” It doesn’t say that you are dumb, wicked, immoral or wasteful. It says you’re stuck. Chained and enslaved. Unable to freely send your money where you want it to go.

If this is you and you would like some help, talk to your LifeGroup and sign up for our Personal Finance Seminar. We have been praying for you. Our hope for you is that you'd take the first steps in walking out of slavery and into financial freedom.

Step #3: Enjoy some, save some and invest some. Enjoy some: According to 1 Timothy 6:17, “[God] richly provides us with everything to enjoy.” God loves His kids; His financial account managers. It is not wrong or immoral to enjoy some of all that God has given to you. Order the steak sometimes. Thank Jesus for His gracious provision in your life. Celebrate Him.

Save some: According to Proverbs 21:20, “Precious treasure and oil are in a wise man's dwelling,
 but a foolish man devours it.” It’s wise to save some for a rainy day. We save with an open hand where we are ready to protect ourselves and our family when an emergency comes AND we are ready to protect someone else when their emergency comes.

Invest some: According to the entire parable in Matthew 25:14-30, Jesus expects us to make His money grow. Different people have different biblical convictions about investing, but here are some overall basics. Don’t be a gambler. Don’t go for get rich quick schemes. Don’t be a cheater. Don’t take advantage of others. But do take some reasonable risks in order to invest some of your savings wisely. Investing allows your money to grow which helps you...

Step #4: Maximize your giving. Overwhelmingly, the Bible speaks the loudest about giving and generosity when it talks about money. It’s because our hearts were designed to give. We look like Jesus when we are giving our stuff away to serve others. We reflect His generosity. We send our treasure ahead to heaven. We get personally invested in what He’s doing here on planet earth. When Jesus comes to settle accounts we will never regret a single dime we gave toward His kingdom and mission.

Depending on your current financial situation, any or all of these steps may be the right next step for you, but the key is to take the next faithful step that Jesus is calling you to take right now.

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This post was contributed by pastor Jon Ludovina. Jon serves by overseeing our teaching and preaching. Follow Jon on Twitter at @j_luda. Find out more about our leadership on our leadership page.

Fear & Money

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The following post is part of our Treasure Hunting series. Find out more about our Treasure Hunting series here.

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This past Sunday we hit on four major money management principles. But we also tagged a fifth money management principle that I wanted to address here on the blog.

Fear is a massively pervasive response to money and money management in our culture. Many of us are crippled by a mentality that sounds something like this: “I don’t know what I’m doing and I don’t know what’s going to happen and I’m scared that I’m going to mess it up.”

Honestly, for much of my life I was paralyzed by fear when it came to money. I had seen family members chase after money but never gain any real happiness.  I had seen other family members get into serious trouble with debt. I didn’t want that! I didn’t want to mess it up. So I did nothing. I didn’t look at it. I didn’t pay attention to it. I didn’t study or try to learn how to grow in managing money.

In other words, I grabbed a shovel and buried my money in the ground.

Because you know, if you can’t see a problem…then it’s not there anymore!  (Warning: the previous statement is chalk full of self-deprecating sarcasm.)

And then slowly, faithfully, and graciously Jesus started changing my heart. And now after a number of years of seeing His faithfulness and His ability to grow me in this area, this is what I’ve come to understand:

Money Management Principle #5: If I fear money, it’s because I don’t understand how much God loves me. (Matthew 25:25, 1 John 4:18, Luke 12:32, Romans 8:15) Fear reveals ways that my heart still doesn’t understand the gospel. God of the universe loves me so much that He sent His son Jesus to die in the cross for me so I could be set free from sin and shame and guilt and condemnation and punishment and judgment and FEAR! And anywhere that I allow my fear to cripple or paralyze me, is a place that I’m not resting in the gospel.

“Fear not, little flock, for it is the Father’s good pleasure to give you the kingdom.”

“For you did not receive the spirit of slavery to fall back into fear, but you have received the Spirit of adoption as sons, by whom we cry, ‘Abba! Father!’”

“There is no fear in love, for perfect love casts out fear. For fear has to do with punishment, and whoever fears has not been perfected in love.”

The good news of the gospel is that in Jesus we don’t need to be crippled by fear.  We can faithfully step out, take a risk, get some help and trust that our Father is pleased to help us grow.  Let Jesus’ perfect love cast fear out of your heart and you will show dividends in your bank account, in your ability to save, and in your freedom to give.

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This post was contributed by pastor Jon Ludovina. Jon serves by overseeing our teaching and preaching. Follow Jon on Twitter at @j_luda. Find out more about our leadership on our leadership page.

Money Management Principles

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The following post is part of our Treasure Hunting series. Find out more about our Treasure Hunting series here.

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In Sunday's sermon, we looked at four money management principles taken from a parable that Jesus tells in Matthew 25:14-30 (he tells another version of this parable in Luke 19:11-27). These four money management principles are a tiny portion of the hundreds of biblical wisdom principles for how we handle our finances. But they are also some of the most foundational principles to help us view our money in light eternity and in light of who God is.

Money Management Principle #1: It’s all God’s. (Matthew 25:14-15, Psalm 50:10-12, Haggai 2:8) Everything in all of creation is God’s. There’s nothing He doesn’t rightly look at say, “Mine!” In Psalm 50, He goes as far as to say that if He was hungry (for a delicious steak wrapped in bacon hypothetically), He wouldn’t ask us for food. He has plenty.  The fact that God owns everything means He doesn’t need our money. But it also means, we need to understand that He owns it or we will never learn how to handle it correctly.

Money Management Principle #2: I have a job to do. (Matthew 25:14-15, Proverbs 27:23-24, Proverbs 6:6-11) Because everything is God’s, whatever He has given us is a trust that we are called to manage faithfully. What God has given us includes every opportunity, every relationship, every talent, every bit of leadership ability...and it also includes every dollar. We are Jesus’ account managers charged with the task of bringing a return on his investment in our lives.

Money Management Principle #3: It’s not about how much I get; it’s about being faithful. (Matthew 25:15-18, 1 Corinthians 4:2) People get different amounts; different amounts of intellect, different amounts of opportunity, different amounts of ability, different amounts and quality of parenting. And people get different amounts of money. The question isn’t 'how much did you get?' The question isn’t 'why didn’t you get more or why did so-and-so get so much?' The question is 'were you faithful with what you were given?'

Stop believing that if you got more, then you would start working hard, planning well and giving sacrificially and faithfully. Money is a heart issue, not a salary issue. If you won’t give now, if you won’t be faithful now with a little, then getting more money will not magically change your heart to want to work hard, be faithful or give more.

Money Management Principle #4: My money reveals my heart. (Matthew 25:19-30, Matthew 6:21, Luke 12:34) Every financial decision I make is a spiritual decision. Every financial decision I make reveals my heart. Every financial decision reveals what I value on planet earth. If I don’t value God’s kingdom, then my money will not flow towards God’s kingdom. Money is an objective truth teller that reveals what my heart truly treasures.

So what is your money saying about your heart? Are you listening to what your wallet is preaching about you?  How loudly is your money proclaiming to the world that Jesus is what you treasure most?

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This post was contributed by pastor Jon Ludovina. Jon serves by overseeing our teaching and preaching. Follow Jon on Twitter at @j_luda. Find out more about our leadership on our leadership page.