Sunday 25 October 2009

If you don't have a budget,
you won't have any money

Working on your accounts is like fine tuning an engine. If it's done well you can get an awful lot out of it. Life becomes much more satisfying and you have a real peace of mind about what you spend and what you give to God. When every penny is assigned as 'worship', suddenly, every day has a new sense of purpose behind it. A little bit of discipline can really free you up.

On the other hand, if you pay no attention to it, ignore it, bury your head in the sand; all sorts of problems develop. Your finances become wasteful and inefficient. Money is frittered away and you can easily accumulate debt. Your peace of mind goes out the window, your soul feels uneasy.

"A little sleep, a little slumber,
a little folding of the hands to rest-
and poverty will come on you like a bandit
and scarcity like an armed man."
Proverbs 24:33-34

I've heard a lot of sermons on why you should give, but very few on how to give. I thinks there's a general assumption, somewhere along the line, that people actually know how to budget. For years and years I didn't have a clue. It's one of those things that seems obvious when you know how. But if no one has taught you, you're lost at sea. You're stumbling around in the dark.

But one thing that is clear – when you work so hard to earn cash, surely wisdom should govern its distribution. Hard earned cash that is frittered away on things that don't matter is a life consumed with toil, debt and fruitlessness. Effectively managing your accounts is one of the most important elements of your life's work.

At my life group, I plan for us to share effective ideas on how we give to God and manage our accounts. In this, I'm making the assumption that we know why we should give and that we want to be a cheerful give. Here are some of my own techniques I've used in the past, and the ones my wife and I are currently using.


1) Account for every penny.

When I first decided to really tackle my accounts head-on, I decided to write down every penny I spent. To my horror I realised that in that very month I had spent over £300 on socialising and convenience foods. Going out to pubs, eating out, trips to the cinema, drinking Coca-Cola. It honestly didn't feel like I had spent that much. It 'felt' like I had spent about £100. It's easy to forget what you did last week. And it's incredible how expenses add up.

Question: If an accountant was to examine your finances, would he find that Jesus was a priority?

In a lack of discipline I would spend too much on clothes and CDs. And then in a lack of finances I would fail to give God anything. If you're budgeting for the first time, going through the last 6 months of bank statements can be a real eye-opener, and quite painful.


2) Develop a list of averages.

Keep all your receipts and tally up average amounts on a monthly basis. Over the course of a year you can work out average expenses for pretty much everything. Here's a list of what my current averages include:

    – Church Giving
    – Food
    – Clothing
    – Socialising
    – Rent
    – Car Insurance
    – Car Maintenance
    – Car Servicing
    – Car Tax
    – Home Insurance
    – Home Expenses
    – Dentist
    – Glasses
    – Gym
    – Car & Bike Repayments
    – Life Insurance
    – Mobile Phone
    – Sky
    – TV license
    – Card Protection
    – Holidays & Special Events
    – Weddings
    – Stag Do's
    – Haircuts / Beauty
    – Presents
    – General savings

Developing this list helps you learn exactly what you need to budget each month and pay into savings. In particular, you need to work out all the seemingly random and unexpected expenses (such as weddings and stag-do's). Otherwise, you get caught out.

In this, highlight all the items on the list that you would regard as 'worship' to God. Interestingly, most of the items are necessary in life (most, not all!). And a lot have a question mark over them. These are the open-ended ones, such as food, clothing, socialising, holidays, presents, phone tariff and type of vehicle. They can all be governed with wisdom and diligence, or they can be self indulgent and reckless. These will make or brake the bank.

"So whether you eat or drink or whatever you do,
do it all for the glory of God."
1 Corinthians 10:31


3) Determine the open-ended expenses.

    – Food
    – Clothing
    – Convenience foods
    – Socialising
    – Presents
    – Random purchases

These are the day-to-day expenses that can go off the scale if left unchecked. The most effective way that Lynsey and I have dealt with this is to have a weekly cash allowance. We worked out that we get £25 each per week, and out of that we have to cover all of the above. All birthday, Christmas, wedding presents, clothes etc come out of this. We have to save up in advance for lots of these.

We've found it to be a brilliant method as when the money in your wallet is gone, that's it for the week. You know you won't go over budget. And anything you buy, you know you can afford and you feel good!


4) Keep on top of it.

It only takes 30 minutes every week or so. Regular updates to your charts means you can remember what the expenditures on your bank statements relate to. Constantly updating your averages and budget keeps things in check. Apparently the very act of keeping accounts improves your spending, as you're mindful of your finances.


5) Find peace about your church giving.

It's not about 10%, it's about generosity. There's nothing in the New Testament about giving 10%. In reality, when you study the early church, they all appear to give much more than this. Old Testament tithing was effectively the Jewish taxation system, and was actually about 25% of their total income per year. The 10% figure is just a reference to the largest part.

"Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver."
2 Corinthians 9:7

Would you ever want a present off a friend who gave it reluctantly because they felt they had to? You would probably feel awkward, and wish they hadn't felt obliged. In stark contrast, how much would you love to get a gift from a friend who was really excited to give it to you, and couldn't wait to see the look on your face! You would love it.

I think each one of us has to find the right level of giving and the right heart that produces this excited attitude. In one sense, the cost has to be there. The gift has to be worth something to us to contain meaning; but not to the level that it breaks the bank and causes us to freak out.

What feels too low? What feels too high? I think you can home-in on a figure that your heart really feels at peace with, that makes your faith muscles stretch but not tear.

Any thoughts?

Tuesday 13 October 2009

If you just stopped moaning you might actually be happy

I felt God really speak to me clearly this week. And he said that I ought to stop moaning about everything. Life is hard work, yes. And you don't get much time to yourself and you're often quite tired. All good points, but you constantly moan!

What sparked it off was watching an older work colleague of mine who's had a tough week, and was sick, but was cheerful all the way through it. I realised that if I can do what I do, but in a cheerful spirit, I would be an awful lot happier. And my works would be a lot more pleasing to God.

"If I give all I possess to the poor and surrender my body to the flames, but have not love, I gain nothing."
1 Corinthians 13:3

It's like, if I short-curcuited that whole meditation process where I get really manked-off with everything, my whole outlook on life would lift dramatically. It's not so much the moaning, which is really just the symptom, it's the meditation process that's the real issue. The process of churning things in your mind over and over.

"As a man thinks in his heart so is he"
Proverbs 23:7

Anyway, a good bit of repentance is the order of the day. Which makes me think. Repentance almost makes sense to be done as a weekly habit. Surely lots of little acts of realignment with God are much better than the big dramatic acts of repentance that only occur when your whole life is devastated. A thought to dwell on.

Monday 12 October 2009

The Bible: the Perfect Word of God?

"As Jesus Christ was totally human and totally divine, so is the bible. All scripture is witness to God, given by divinely illuminated human writers, and all Scripture witnessing to himself in and through their words."
ESV Study Bible, Crossway, p2569

"All Scripture is breathed out by God and profitable for teaching, for reproof, for correction, and for training in righteousness, that the man of God may be competent, equipped for every good work."
2 Timothy 3:16-17

It seems there are two essential views inside Christianity. The first is that every word is the breath of God, written by men, directed by the Holy Spirit. It is a divine work and completely free from error. The second is that it's a collection of 'trustworthy' books. Like reading someone's diary. Essentially good but ultimately a human work with many flaws, errors and imperfections.

Here's some of my own observations...

Observation #1
Unless the bible is the perfect word of God, completely without error, it's as good as useless. If you don't believe it's perfect, you can pick and choose what to believe, skipping over sections you don't like. You are free to disagree with scripture at any point. It becomes increasingly vague and not very useful. Which is a problem.

Observation #2
The bible reads like the very words of God. I've never read a book like it. It cuts down to your very soul. You're refreshed by reading it. You feel anchored, like you're plugging into the source. There's something within you that seems to confirm that these words are very, very good. I would say this is the Holy Spirit at work in you as you read the bible. Maybe one way of plugging into the Holy Spirit is simply to read your bible.

Observation #3
The actual writings of the bible stretch out over a period of 1500 years. In this period of time over 25% of the written words are prophecy, predicting future events. These events later occur with stunning accuracy. One example is found in Daniel 9:26-26 which foretells the exact date Jesus Christ would come to Jerusalem. The mathematics are staggering when you look into them. There's a real supernatural side of the bible that is grounded in historical fact. That makes it immensely interesting.

Observation #4
According to The Resurrection Factor by Josh McDowell, the death and resurrection of Jesus Christ can be proved in a modern day court of law. This is a claim based on historical evidence which validates the central character of the bible as the son of God.

Observation #5
Ultimately, we believe the bible is the word of God because it claims to be. The most direct claim is 2 Timothy 3:16-17. Nothing else can be higher than the word of God in order to validate it's claim. Historical evidence, reason, experience and such can all point to it, but can never themselves pass judgment on the bible as they are under it.

––––––––––––––––––––

Anyway, it turns out this is rather a massive subject and delving into all the specifics hurts my brain! To check out how the bible was put together, and how God oversaw the whole process, listen to Wayne Grudem on The Authority and Inerrancy of the Bible

Sunday 11 October 2009

The Existence of God

"Think for a minute of a marble table in front of you. Do you think that, given a trillion years or infinite time, this table could suddenly or gradually become conscious, aware of it's surroundings, aware of its identity the way you are? It is simply inconceivable that this would or could happen. And the same goes for any kind of matter."
Antony Flew

Today one of my reoccurring brain-melting thoughts came back to me. I was on my lunch break staring at my empty coke bottle and realised that the fact that anything exists defies all logic. The glass bottle shouldn't exist. Neither should the table it's sitting on. Everything that exists must have been created by something preceeding it.

And therefore nothing should exist.

Not empty space, not time, not a vaccum, not even the colour black. They are all things that came from somewhere. The fact that existence exists is insane. But here we are, in an incredibly complex, finely tuned universe; and it defies all reason.

You cannot believe that the universe has always been there.

Whether you believe in a universe or a multiverse, or that the Big Bang / Big Crunch cycle has occurred millions of times; it all had to come from somewhere. Nothing comes from nothing. An eternally existing universe is inexplicable. An eternally existing God makes sense. It's not a 50-50 take your pick.

You can ask all the same questions about God which you ask about the universe. Where did God come from? What caused him to exist? How can he have no beginning? But God is spirit and he is completely separate from the universe. How can you reason through, study, understand or theorise about a being in which you have no scientific knowledge and can never observe? His existence is entirely different from ours in every way.

As Flew puts it, "God's existence is inexplicable to us, but not to God".

Saturday 3 October 2009

Dissecting Verses: Romans 15:13

"May the God of hope 1 fill you 2 with all joy and peace 3 as 4 you trust 5 in him, so that you may overflow 6 with hope by the power of the Holy Spirit 7."

My thoughts...

1 God is being described here as the God of hope. That immediately raises the question "why?". God is many, many things and this is just one of his attributes. It's because, I think, it is incredibly easy to despair in this life. Hope is very good, and this is a reminder that God is the source.

2 "fill you" → the notion of filling implies that you can be full or you can be empty, or somewhere in between. Perhaps you can have a certain measure of hope in your soul at any given time. Perhaps it's something that rises and falls, and changes over time. Maybe it's something that depletes if left unattended.

3 "all joy and peace" → who wouldn't want that? Is there a man or woman alive who wouldn't want to be completely full of joy and peace? Isn't this the void in our lives that the world is incessantly trying fill with all sorts of idols and pleasures? I would guess this is the thing most people spend their lives in search of.

An interesting definition of peace which I've heard is this: "peace is not the absence of trouble but the presence of God, even in the most troubled situation". Also, I've often heard joy described as a sort of consistent inner state, like a thermostat setting on your life; distinguishable from happiness which is simply an emotion experienced at a particular moment in time.

4 "as" → a crucial point. It's the key link in the chain, a conditional pivot point. It's something that we have to choose to do, and simply won't happen by itself. Suggests that our default position is a distinct lack of hope, joy and peace.

5 "trust" → I don't know about you, but I tend not to trust people I don't know. To trust God requires you to know him on a personal level. To have a relationship with someone you need to spend time with them, interacting, listening and speaking. Meditation and prayer are the order of the day. My dictionary describes trust as "firm belief in the reliability, truth, ability, or strength of someone or something". This firm belief has to be rooted in our knowledge and experience of God in our day-to-day lives.

6 "overflow" → it's back to this idea of filling. The level at which God wants you to be full of hope is the level at which you are completely overflowing. It spills out on the people around you.

6 "by the power of the Holy Spirit" → suggests that a mark of being full of the Holy Spirit is your level of hope. If it's a quality that is severely lacking in our lives then it suggests we need to trust in God again. We need to go back to the word of God and re-align ourselves.

Dissecting Verses

Hannah, a girl in my life group, reminded us of the importance of memorising scripture last week. And it's a really good point. I'm horrendously bad at memorising verses. In the past I've tried for up to three weeks to memorise a single one-line verse, repeating it over and over every day. But it never sticks. I can vaguely remember what the verse is about and roughly where it is in the bible, but that's about it. I don't have the most effective memory.

However, even though I don't have the best memory, it does work through a certain process that I think is very beneficial. The act of churning the verse over and over works it into your soul. And the meaning really starts to mature as you look at it from different angles. You automatically start to dissect it in your head. It's definitely a quality not quantity approach to reading the bible. And definitely something I want to do more of.