PERSONAL & FAMILY FINANCES

I.          INTRODUCTION

            A.        WORD OF GOD

-Psalm 119:105

            B.        ACKNOWLEDMENT

                                    -Proverbs 3:5-6

            C.        JESUS’S PRAYER TO THE FATHER

                                    -John 17:15

II.         WAYS TO GET MONEY

            A.        WORK FOR IT

                        1.         Genesis 2:15

                        2.         Genesis 3:17-19

                        3.         Genesis 1:31-2:3/Exodus 20:9

                        4.         Matthew 20:1-9

                        5.         II Thessalonians 3:6-12

                        6.         Proverbs 18:16

                        7.         Proverbs 14:23

                        8.         Proverbs 31:10-31

            B.        PRAY FOR IT

                        1.         Matthew 6:31-33

                        2.         Matthew 7:7-11

                        3.         Philippians 4:16-19

            C.        INHERIT IT

                        1.         Proverbs 13:22

                        2.         Proverbs 19:14

III.        WHAT TO DO WITH MONEY

            A.        GIVE IT TO GOD

                        1.         Genesis 14:17-21

                        2.         I Corinthians 16:1-2

                        3.         Matthew 10:8

                        4.         Luke 6:38

                        5.         Ecclesiastes 11:1

                        6.         Galatians 6:7-8

                        7.         II Corinthians 9:6-7

                        8.         Psalm 37:25

                        9.         Haggai 1:3-11

            B.        PAY YOUR BILLS

                        1.         Luke 10:7

                        2.         Leviticus 19:13

                        3.         James 5:1-5

                        4.         Jeremiah 22:13-14

                        5.         Malachi 3:5

                        6.         Proverbs 11:1

                        7.         Matthew 22:17-21

            C.        SAVE FOR YOUR FAMILY

                        1.         Luke 19:20-23

                        2.         II Corinthians 12:14

                        3.         Proverbs 13:22

VI.       THREE RULES FOR FINANCIAL SOLVENCY

            A.        DISCIPLINE/TEMPERANCE (SELF CONTROL)

                                    -Galatians 5:22-24

            B.        BE CONTENT WITH WHAT YOU HAVE

                        1.         Hebrews 13:5

                        2.         I Timothy 6:7-8

                        3.         Philippians 4:11-13

                        4.         Luke 3:14

                        5.         Colossians 3:5

            C.        DO NOT WASTE

                        1.         Isaiah 55:1-2

                        2.         Proverbs 18:9

V.         DANGER ZONES

            A.        BORROWING MONEY

                        1.         Proverbs 22:7

                        2.         Psalm 37:21

            B.        BUYING ON CREDIT

                        1.         Luke 14:25-30

                        2.         Matthew 5:23-26

            C.        CO-SIGNING

                        1.         Proverbs 6:1-5

                        2.         Proverbs 11:15

                        3.         Proverbs 17:18

            D.        JOINT VENTURES WITH NONBELIEVERS

                        1.         II Corinthians 6:14

                        2.         I Corinthians 5:9-11

                        3.         II Chronicles 19:1-2

IV.        SOME LAST THINGS

            A.        WILLS

            B.        BUDGETS

COUNT THE COST

“For which of you, intending to build a tower, sitteth not down first, and counteth the cost, whether he have sufficient to finish it?” (Luke 14:28)

            Can you afford the high price of not being saved? Many times when being saved is discussed, we often speak of what we must give up to be saved. Certainly, there must be repentance of sins, and a turning from the world, but look at the other side of the story. Just what are you losing by not being saved? If you choose to live your life without Jesus Christ, it will cost you:

1.  FORGIVING LOVE

            Our Heavenly Father sent His Son, Jesus, to die for the sins of the world. Dying in our stead on the cross, He has made forgiveness a reality for us. The invitation is for you and me to come by faith to Jesus, accept Him as our Savior, and know this forgiveness. This, alone, can make us acceptable with God. Can you afford to reject His offer of love and forgiveness and go your own way, only to meet Him in judgment and go to hell?

2.  FELLOWSHIP OF THE SAINTS

            In the world of the unsaved, no man cares for your soul. Everybody lives for themselves and what they can get out of life. In Jesus, however, there is abundant fellowship. Because we have been forgiven, we have fellowship with God and with all the saints. The people of God are real friends who care for you and love you. There is the plenty of the Father’s table that is always set full and free. Can you afford to miss this?

3.  ETERNAL SEPARATION FROM GOD

            If you die without Jesus Christ as your Savior, you will surely be “turned into hell” (Psalm 9:17). It will cost you your soul to live in sin in this world and reject God’s Son as your Savior. Where will you be ten thousand years from now? Can you afford the cost of not being saved? No. None of us can, so “flee the wrath to come” (Luke 3:7) and run to Jesus now while you can. Thank God! He said, “Him that cometh to Me I will in no wise cast out.” (John 6:37)

HOW ARE YOU CLOTHED?

… be clothed with humility:… (1 Peter 5:5).

No garment is more becoming to the child of God than the gracious garment of humility, and none is better styled to please the lover of our sou ls.

Humility will save you from self-consciousness. It will take away from you the shadow of yourself and the constant sense of your own importance. It will save you from self-assertion and from thrusting your own personality upon the thoughts and the attention of others. It will save you from the desire of display, from being prominent, from occupying the center of the stage, from being the object of conversation and attention. It will save you from vanity about your personal appearance, your dress, your style of living, or your abilities, or your attractions.

Humility will save you from that which is deeper and more subtle- the pride which docs not care for vain display but which finds its secret satisfaction in one’s own superiority of talents, or birth, or spirituality, or wealth, or success. It will give you that modesty which ” … vaunteth not itself … ” (I Corinthians 13:4), and give you love which “Doth not behave itself unseemly … ” (I Corinthians 13:5); literally, which is not rude, which does not slight others or show its sense of irritation or superiority by rude manners.

Humility takes all that out of us, and makes us unassuming, natural, and simple. It will save you from reviewing your own work after it is done, and from feeling self-complacent because you have done it well; or what is equally vain, chagrin because you did it poorly. The very chagrin shows that you expected something from yourself and, in your vanity and pride, were disappointed. It will save you from looking for flattery and praise from others when your work is done. The humble Christian will simply do his best and leave it with the Lord, and not look for any reward in the plaudits of men; his supreme recompense, the Master praises; what are men? – A.B. Simpson

WE HAVE HEARD THE JOYFUL SOUND

” … he went throughout every city and village, preaching and shewing the glad tidings of the kingdom of God … ” (Luke 8:1).

The Gospel is not bad news or sad news but glad news. The Gospel is good news and glad tidings. It is the joyful sound because of:

ITS PROCLAMATION

It has to be preached. Luke tells us in the book of Acts that this proclamation was first spoken by the Lord Himself. Grace is poured from the lips of our blessed Lord. It is glad tidings, for as Peter tells us, it was a message of ” … peace … “(Acts 10:36).

It is glad tidings, for its proclamation knows no limitation. The Lord Jesus proclaimed it as the text says, in ” … every city and village … “

ITS REVELATION

Christ not only preached the ” … glad tidings … “, but He shewed (revealed) them. The tidings in their shewing demonstrate their gladness. Light is always gladness, and the entrance of this word of the Gospel gives light, and in that light we see more light. This same message of ” .•. good tidings of great joy … ” (Luke 2:10) led the shepherds to Christ, the Light of the world; and they went and shewed to others what they had heard and seen (Luke 2:17).

This description ” … glad tidings … ” of the Gospel is peculiar to Luke. He could never forget the angelic revelation recorded in his Gospel alone.

ITS INAUGURATION

The Gospel is the inauguration of the kingdom of God. That is what it does in the heart of its recipients. It not only brings us near to the kingdom, but opens its door and brings the receptive hearer into the very kingdom of God itself. ” … Except a man be born again, he cannot see the kingdom of God” (John 3:3)

Are you in? If not, enter in today. As the Israelitish worshipper rejoiced to hear the joyful sound- the bells on the high priest’s robes – demonstrating that the high priest lived because his work was acceptable by God on behalf of Israel – so you can have the same assurance that your great High Priest lives to make intercession for you.

“Blessed is the people that know the joyful sound: they shall walk, O LORD, in the light of thy countenance” (Psalm 89:15).

-The Gospel Standard-

“…this one thing I do…” (Philippians 3:13)

Life is a tragedy when one has plenty to live on, but nothing to live for. To dawdle through life with no great driving purpose is to miss the goal of all living.

The molding principle of life must be upward, not downward. He who lives solely to build his barns greater that they might hold his bumper crops is called a fool by Christ.

” … this one thing I do … ” is a good motto only so far as the thing proposed is good. The test of the ruling motto of a life is the person it forms. If the philosophy held does not make the person pure in heart, gracious and benevolent in manner, kind in word and deed, it should be looked upon as a curse and discarded as of satanic origin.

Paul, the apostle to the Gentiles, is the author of those words, ” … this one thing I do … ” He also said, “For to me to live is Christ … ” (Philippians 1:21). Thus, his ” … one thing .. ” was bounded by the teachings of Christ. All things contrary to the revealed will of the Son of God had no place in Paul’s high resolve.

The man Paul became great because he was controlled by a great objective. He gave himself to it. He yielded the last ounce of strength, and he gave the last drop of blood in order that the cause of Christ would prosper.

If you would be great, identify yourself with the great cause of Christ.

The Gospel Standard

SIGNIFICANT VERSES SERIES

“For I would not, brethren, that ye should be ignorant of this mystery, lest ye should be wise in your own conceits; that blindness in part is happened to Israel, until the fulness of the Gentiles be come in. And so all Israel shall be saved: as it is written, There shall come out of Sion the Deliverer, and shall turn away ungodliness from Jacob:  For this is my covenant unto them, when I shall take away their sins.” Romans 11:25-27

So much for “replacement theology” and God being all done with Israel. Israel’s best days are yet to come!

“I beseech you therefore, brethren, by the mercies of God, that ye present your bodies a living sacrifice, holy, acceptable unto God, which is your reasonable service. And be not conformed to this world: but be ye transformed by the renewing of your mind, that ye may prove what is that good, and acceptable, and perfect, will of God.” Romans 12:1-2

A great memory passage on how this world is not our home. We should be transformed from it, not conformed to it.

“Having then gifts differing according to the grace that is given to us, whether prophecy, let us prophesy according to the proportion of faith;  Or ministry, let us wait on our ministering: or he that teacheth, on teaching;  Or he that exhorteth, on exhortation: he that giveth, let him do it with simplicity; he that ruleth, with diligence; he that sheweth mercy, with cheerfulness.” Romans 12:6-8

Notice that the spiritual gifts in these verses do not include unknown tongues. Rather than being the “initial evidence of the baptism of the Holy Ghost,” tongues (unknown or not) didn’t even make the list.

Be not overcome of evil, but overcome evil with good.” Romans 12:21

It’s not enough that we stop doing evil things. We must replace evil with good, lest we slip back into the old ways. It’s not enough to not take vengeance on an enemy. We must find ways to show kindness to them and bless them. Matthew 5:44 says But I say unto you, Love your enemies, bless them that curse you, do good to them that hate you, and pray for them which despitefully use you, and persecute you;”

For They Cannot Recompense Thee

“But when thou makest a feast, call the poor, the maimed, the lame, the blind: And thou shalt be blessed; for they cannot recompense thee: for thou shalt be recompensed at the resurrection of the just.” Luke 14:13-14

Jesus has a persistent way of showing again and again the great gulf that is fixed between the ways of earth and the ways of Heaven. We simply do not operate with the motives and compulsions by which God operates, but we ought to, and we can!

The Pharisee-host to whom our Lord was speaking probably profited little from this lesson on heavenly etiquette, but there is an eternally valuable truth to be gleaned here. Man’s natural motivation is to perform most of his so-called charities with an eye to a return in kind on his investment – and even the budgets of churches can show the same tendency, but God’s way is just the opposite.

We should not be surprised, therefore, when we encounter a natural reluctance among men to give sacrificially for the sole purpose of sending the Gospel message to the ” … the poor, the maimed, the lame, the blind” (Luke 14:13), who in the darkness of some distant pagan land hunger for a life-giving taste of the Word of God. We should not be surprised; no, but we can heed the Word of God here and now, and take fresh stock of our own lives to make sure our investments are made with an eye to heavenly values.

Let it be a forever settled conclusion that for the individual Christian or for the church that truly enters by faith into the God-given task of sending forth the Gospel to the lost world, the investment is going to be of a nature that cannot in this life be recovered. Such giving therefore lacks the fleshly appeal that can be incorporated in a “drive” for funds for a new organ, added comforts in the pews, or for the building of yet another church, and the chalking up of another statistic for our denomination.

But wait- isn’t that precisely what Jesus warns against in the text? What He is saying is that the highest possible motivation in Christian giving is the fact that ” … they cannot recompense thee … ” The Son of God speaks words here that are utterly foreign to man’s natural thinking.
But note well the promise that He utters in the same breath, ” … thou shalt be recompensed at the resurrection of the just” (Luke 14:14). You will be repaid all right- and with currency of an eternal and unchanging value!

Here in a very real sense, then is an invitation – and an opportunity- to ” .. .lay up … treasures in heaven … ” (Matthew 6:20). But all too few, we fear, will display the joyous discernment voiced by the enlightened soul of Luke 14:15, who cries out, ” … Blessed is he that shall eat bread in the kingdom of God.”

How true! But if we would partake of that bread there and then, we are going to have to learn to let go of it gladly here and now, and send it on ahead in faith – by giving it where there is absolutely nothing in it for us, to those who” … cannot recompense … “

WE BRING TO JESUS TOO CHEAP A BOX – T. Dewitt Talmage

“… as he sat at meat, there came a woman having an alabaster box of ointment of spikenard very precious …” (Mark 14:3).

This woman could have gotten a vase that would not have cost so much as those made of alabaster. She might have brought perfume that would have cost only fifty pence; this cost three hundred. As far as I can understand, her whole fortune was in it. She might have been more economical; but no – she got the very best box, and put in it the very best perfume, and poured it all out on the head of her Redeemer.

My brothers and sisters in Christ, the trouble is that we bring to Jesus too cheap a box. If we have one of alabaster and one of earthenware, we keep the first for ourselves and give the latter to Christ.

We owe Jesus the best of our time, the best of our talents, the best of everything. Is there an hour in the day when we are wider awake than any other, more capable of thought and feeling? Let us bring that to Christ. We are apt to take a few moments in the morning when we are getting awake or a few moments at night when we are getting asleep for Jesus; but if there be an hour in the day when we are most appreciative of God’s goodness and Christ’s pardon and Heaven’s joy, oh, that is the alabaster box to bring to Jesus.

We owe Christ the very best years of our lives. When the sight is the clearest, the hearing the acutest, the arm the strongest, the nerves the steadiest, the imagination the brightest, let us come to Jesus. Let us not wait until our joints are stiffened and the glow is gone out of our temperament and we arise in the morning as weary as when we lay down at night.

BLOOD ON MY HANDS – by Oswald J. Smith

The passage I am going to draw your attention to is without question one of the most terrible warnings in the Bible. I am convinced every time I dare face it in a serious way. It forces upon me a picture of myself standing before the judgment seat of Christ with the blood of multitudes dripping from my hands. It charges home upon me the awful sin of omission, and I cannot escape. Let us examine it now.

“Son of man, I have made thee a watchman unto the house of Israel: therefore hear the word at my mouth, and give them warning from me. When I say unto the wicked, Thou shalt surely die; and thou givest him not warning, nor speakest to warn the wicked from his wicked way, to save his life; the same wicked man shall die in his iniquity; but his blood will I require at thine hand. Yet if thou warn the wicked, and he turn not from his wickedness, nor from his wicked way, he shall die in his iniquity; but thou hast delivered thy soul. Again, When a righteous man doth turn from his righteousness, and commit iniquity, and I lay a stumblingblock before him, he shall die: because thou hast not given him warning, he shall die in his sin, and his righteousness which he hath done shall not be remembered; but his blood will I require at thine hand. Nevertheless if thou warn the righteous man, that the righteous sin not, and he doth not sin, he shall surely live, because he is warned; also thou hast delivered thy soul” (Ezekiel3: 17-21).

It is the fearful sin of omission, the sin of withholding the glad tidings. So important does God consider it that twice He gives the same warning, for it is found again in the thirty-third chapter of the same book. It lays upon me the obligation of telling others. And to fail in my duty is to put my own life in peril.

Naturally we think first of the heathen lands where darkness reigns, and where Christ has never been preached. And well we may. Has not God commanded us? Did He not bid us go and take the Gospel to all the world? And have we any excuse? And yet nineteen hundred years have passed and still the larger portion of the world has never yetheard the message.

There are the closed lands and the far away lands where no Christian has ever set foot. Such great cities as Mecca and Medina in Arabia; Herat, Cubul, and Khandahar in Afghanistan; Thassa in Tibet and Bokhara have never yet seen the face of a preacher of the Gospel, for these cities are officially closed. They still wait untouched, unreached.

But let us come closer home. What about the souls in our own land? How tragically many there are who, in spite of all our religious work, have never yet heard the Gospel!

But let us come still nearer home. There is the city, town, or village in which we live. Can we point to any tangible effort that we have put forth for its evangelization? Dare we stand before God and say we have done what we could to warn the people? For if not, mark you, their blood is upon us.

Oh, yes, you say, we have prayed, and wherever we have gone men and women have felt the influence of our silent Christian testimony. Very frequently we have spoken to them of Christ. Yes, and is that all?

No, we have built a great church, a large tabernacle, into which we have invited them to come and hear the Gospel. And many, very many, have accepted the invitation. Well, and is that all? Is that all? Why, what do you mean? What more do you expect?

My friend, what about the multitudes that have never come? And what about the foreigners, the Jews and Chinese, the Fin landers and Poles, the strangers within our gates? And what about the Roman Catholics and all those who believe in salvation by works? Yes, and what of the rich who would never deign to darken our door, and the poor who feel we do not want them? What of the prostitutes who walk our streets, and the frequenters of questionable houses? Yes, and the inmates of our jails and prisons, our reformatories and hospitals? In a word – what about the multitudes who will never come to us, whom we can never hope to meet, but who are perishing because they have never heard the warning?

Did God ever tell us to build churches and then expect sinners to come to them? Never! His Word is not “Come,” but “Go.” Again and again He emphasizes it. “Go out” is His order; “Go ye,” His command. And if we don’t, if we fail, if we disobey- ” … his blood will I require at thine hand” (Ezekiel 13:18).

Responsible we surely are.”… this day is a day of good tidings …”, cried the lepers of Samaria, “… and we hold our peace: if we tarry till the morning light, some mischief will come upon us: now therefore come, that we may go and tell …” (2 Kings 7:9). Could they keep it to themselves? Of course not, and neither can we if we are to be clear of the blood of all men.

Think of such cities as Chicago and New York. How many, do you suppose, in spite of all the missions and churches, in spite of the thousands of Christian people, preachers, and evangelists, have ever heard the Gospel of Jesus Christ? ” .. Go ye … and preach the gospel…” (Mark 16:15).

Exposing Error: Is It worthwhile? – H.A. Ironside

Objection is often raised, even by some sound in the faith, regarding the exposure of error as being entirely negative and of no real edification. Of late, the hue and cry has been against any and all negative teaching.

The brethren who assume this attitude forget that a large part of the New Testament, both of the teaching of our blessed Lord Himself and the writings of the apostles, is made up of this very character of ministry – namely, showing the Satanic origin and, therefore, the unsettling results of the propagation of erroneous systems which Peter so definitely refers to as ” … damnable heresies … ” (2 Peter 2:1).

Our Lord prophesied, “And many false prophets shall rise, and shall deceive many” (Matthew 24:11). Within our own day, how many false prophets have risen; and, oh, how many are the deceived!

Paul predicted, “For I know this, that after my departing shall grievous wolves enter in among you, not sparing the flock. Also of your own selves shall men arise, speaking perverse things, to drawaway disciples after them. Therefore watch … ” (Acts 20:29-31).

My own observation is that these ” … grievous wolves … “, alone and in packs, are not sparing even the most favoured flocks. Undershepherds in these ” ••• perilous times … ” (2 Timothy 3:1) will do well to note the apostle’s warning, “Take heed therefore unto yourselves, and to all the flock, over the which the Holy Ghost hath made you overseers …. ” (Acts 20:28). It is as important in these days, as in Paul’s -in fact, it is increasingly important – to expose the many types of false teaching that, on every hand, abound more and more.

We are called upon to ” … earnestly contend for the faith which was once delivered unto the saints” (Jude 1:3), while we hold the truth in love. The faith means the whole body of revealed truth, and to contend for all of God’s truth necessitates some negative teaching. The choice is not left with us. Jude said he preferred a different, a pleasanter theme, “Beloved, when I gave all diligence to write unto you of the common salvation, it was needful for me to write unto you, and exhort you that ye should earnestly contend for the faith which was once delivered unto the saints. For there are certain men crept in unawares, who were before of old ordained to this condemnation, ungodly men, turning the grace of our God into lasciviousness, and denying the only Lord God, and our Lord Jesus Christ” (Jude 1:3-4).

Paul likewise admonishes us to ” … have no fellowship with the unfruitful works of darkness, but rather reprove them” (Ephesians 5:11). This does not imply harsh treatment of those entrapped by error quite the opposite. If it be objected that exposure to error necessitates unkind reflection upon others who do not see as we do, our answer is, it has always been the duty of every loyal servant of Christ to warn against any teaching that would make Him less precious, or cast reflection upon His finished redemptive work and the all sufficiency of His present service as our great High Priest and Advocate.

Every system of teaching can be judged by what it sets forth as to these fundamental truths of the faith. ” … What think ye of Christ? … ” (Matthew 22:42) is still the true test of every creed. The Christ of the Bible is certainly not the Christ of any false “ism.” Each of the cults has its hideous caricature of our lovely Lord.

Let us who have been redeemed at the cost of His precious blood be” … a good soldier of Jesus Christ” (2 Timothy 2:3). As the battle against the forces of evil waxes ever more hot, we have need for God-given valour. There is constant temptation to compromise, but “Let us go forth therefore unto him without the camp, bearing his reproach” (Hebrews 13:13). It is always right to stand firmly for what God has revealed concerning His blessed Son’s person and work. The “father of lies” deals in half-truths, and specializes in most subtle fallacies concerning the Lord Jesus, our sole and sufficient Saviour.

Error is like leaven, of which we read, ” … a little leaven leaveneth the whole lump” (1 Corinthians 5:6). Truth mixed with error is equivalent to all error, except that it is more innocent looking, and, therefore, more dangerous. God hates such a mixture! Any error, or any truth-and-error mixture, calls for definite exposure and repudiation. To condone such is to be unfaithful to God and His Word, and treacherous to imperiled souls for whom Christ died.

Exposing error is most unpopular work, but from every true standpoint, it is worthwhile work. To our Saviour, it means that He receives from us, His blood-bought ones, the loyalty that is His due. To ourselves, if we consider ” … the reproach of Christ greater riches than the treasures of Egypt … ” (Hebrews 11 :26), it ensures future reward, a thousand-fold; and to souls caught in ” … the snare of the fowler. .. ” (Psalm 91:3)-how many of them God only knows it may mean light and life, abundant and everlasting.