Stewardship

I love calendars, especially the twelve month variety with a beautiful picture on each page. They usually arrive in December, and I enjoy selecting the ones I will use during the coming year. On the first of January, I hang two new calendars, one in my study and another in my shop, while Marti does the same in the kitchen and at her desk. Of course, we must discard the old calendars, but I can never do so without a moment of reflection. Twelve pages of numbers tossed into heaps of household trash, but what momentous events those rumpled pages represent. Days of our lives now gone, like fallen leaves of autumn.

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Today’s Christian gains big-picture understanding of what the Bible teaches about financial giving by learning the Old Testament background and foundational truths related to the subject. This was presented in the previous article. But the New Testament contains the full teaching that guides what we do in the church and in our individual Christian lives. Join me as we survey Jesus’ teaching, the practices of the newly-formed first century church, and the instructions given by the apostles.

Jesus’ Teaching on Giving

Some say Jesus spoke on the topic of money more than anything else. I haven’t personally verified this assertion, but I do know that He had a lot to say about giving. The following is representative of His teaching on this subject.

A study by LifeWay Research several years ago found that 75% of the general population agreed with the statement, “There is an ultimate purpose and plan for every person’s life.” That number still seems surprisingly high to me. The same study found that 50% of those who never attend church services said there is no purpose or plan for human lives.

Though Christians are usually clear that there is purpose and meaning in life, many seem confused as to what exactly that purpose is. So my aim here is to answer what is really a pretty simple question:

What is the meaning of life?

Originally posted in 2013. Read the series so far.

On “Paying Yourself First”

Perhaps the reader has heard the oft-repeated maxim, “Pay yourself first.” “Pay yourself first” simply means to save first—sometimes at a recommended rate of 10%—and use the remainder for spending. Forbes calls “pay yourself first” “the most important rule for a comfortable retirement.” Investopedia notes that “some financial professionals even go so far as to call ‘pay yourself first’ the golden rule of personal finance.”

The Word of God disabuses this maxim. Indeed we are to give to the Lord first as taught in verses such as:

Read the series so far.

Key Verses

Luke 11:11-13, “If a son asks for bread from any father among you, will he give him a stone? Or if he asks for a fish, will he give him a serpent instead of a fish? ¹² Or if he asks for an egg, will he offer him a scorpion? ¹³ If you then, being evil, know how to give good gifts to your children, how much more will your heavenly Father give the Holy Spirit to those who ask Him!”

1 Timothy 5:8, “But if any provide not for his own, and specially for those of his own house, he hath denied the faith, and is worse than an infidel” (KJV).  (“Infidel” is ἄπιστος, “without faith;” in ESV, NKJV, NASB, NIV, “an unbeliever.”)

1 Corinthians 7:29-31, “But this I say, brethren, the time is short, so that from now on even those who have wives should be as though they had none, those who weep as though they did not weep, those who rejoice as though they did not rejoice, those who buy as though they did not possess, and those who use this world as not misusing it. For the form of this world is passing away

Read the series so far.

Why are credit card fees and interest so high?

Credit operates using basically a two-tier system. Tier 1 consists of those who pay no fees or interest. Consumers who pay off their balances on-time monthly pay no fees or interest charges. Tier 2 consists of those who pay fees and interest due paying late, not paying the minimum payment or due to carrying a balance and being charged interest. Tier 2 credit card customers not only pay for their own credit card service, they also pay for the credit services of those in Tier 1.

Any customer may be a Tier 1 borrower. Falling into the Tier 2 category is the customer’s choice.

Another reason for high credit fees and interest is that there is expensive technology infrastructure in place to support the service. The infrastructure includes network expense and computer hardware and software expense. It also includes real-time processing with failover—the most expensive type of computer processing. Additional infrastructure expenses include fraud detection processing and the cost of plastic production and the associated mailing.

Read the series so far.

Pastors and other leaders are often faced with helping others in personal financial crisis. The crisis may take several forms:

1. job loss whether by layoff or firing
2. a major medical crisis
3. debt at the tipping point
4. divorce or other family crisis
5. death of a spouse or family member
6. societal economic crisis with widespread impact

Job loss, whether by layoff or firing

The income flow stops (as in the case of being fired) or will soon stop (as in the case of a layoff) but the outflow does not. Single income homes are more susceptible to financial impact because the second income of a spouse may cushion the blow.