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God's Plan for Your Finances

In ministry, tight personal budgets often come with the territory. When Kay and I first moved from Texas to Southern California in 1979, we came with little money and a big vision. In fact, we didn’t even have enough money for a motel the first night we were in Southern California. We started Saddleback Church on faith. When you have to stretch your finances to meet your obligations, you need to learn how to manage money effectively. Most pastors weren’t taught how to do so in Bible college or seminary, but it’s an incredibly important part of your ministry.  Throughout my ministry, I’ve used principles from the book of Proverbs to teach my congregation how to manage money. If you haven’t made these five commitments, consider making them today.  Keep good records. "Be diligent to know the state of your flocks, and attend to your herds” (Proverbs 23:23 NKJV). One of the big reasons most people face pressure concerning their finances is they’re not sure where their money is going. You need to know what you owe, what you own, what you earn, and where it’s going. Your first rule of financial freedom is to face the facts and be realistic about where you are. When I first taught these principles in the early 1980s, we didn’t have digital tools to help keep records. Today, you have all kinds of money-management tools at your disposal. It takes time, but keeping good records is worth it. Instead of spending time worrying about your finances because you’re wondering where all your money went, keep good records. Plan your spending. "The plans of the diligent lead to profit as surely as haste leads to poverty" (Proverbs 21:5 NIV). I see haste all the time in impulsive buying, which leads to debt. But you can get your spending under control with a budget. A budget is simply planned spending. It’s telling your money where you want it to go rather than wondering where it went. Enjoy what you have. "Better to have little, with fear for the LORD, than to have great treasure and inner turmoil" (Proverbs 15:16 NLT). Too often we struggle being satisfied with what we already have—we want more. That’s why some pastors move to new churches so they can receive larger salaries. The solution is to learn contentment with what we have.  Paul reminds us in 1 Timothy 6:6-7: “But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it” (NIV). Without contentment, our debt has a tendency to grow—and if we’re not careful, we’ll also stretch our family too thin and modify our ministry plans to get more. Give 10 percent to God. "Honor the Lord with your wealth, with the firstfruits of all your crops; then your barns will be filled to overflowing, and your vats will brim over with new wine" (Proverbs 3:9-10 NIV). Honor God first with your money. Pastor, as you teach your congregation to tithe, you should do likewise. Lead by example. You’ve probably taught this principle many times before. Whatever you want God to bless—your marriage, your work, or your finances—put him first. Save for the future. "Dishonest money dwindles away, but whoever gathers money little by little makes it grow" (Proverbs 13:11 NIV). Practice living off of 80 percent of your income. Tithe 10 percent and save 10 percent. It takes discipline to live off of 80 percent, but it’s worth it. You can follow this principle on any income level.  The reason we don’t save more is because we have a live-for-today mentality. We spend everything we have. The Bible says that’s not wise. Saving for the future is as much of a spiritual discipline as tithing.  The next time you go out shopping, ask yourself this question: “Do I need this, or can I put this money into savings?” That one question can help you save more and become a better steward of your finances.

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You Never Have to Earn God’s Love

You Never Have to Earn God’s Love

“For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.” John 3:16 (NIV)Pastor, God sees you as acceptable and valuable. He also sees you as deeply lovable. A critical comment or a strained relationship in your church doesn’t change that.John 3:16 doesn’t say God loves only beautiful, intelligent, or perfect people. It says God loves the world—all of us. That includes you. Jesus essentially said, “I’d rather die than live without you.” That’s how much God loves you.Isaiah 54:10 says, “‘The mountains and hills may crumble, but my love for you will never end. . . . ’ So says the LORD who loves you” (Isaiah 54:10 GNT).God’s love has two key characteristics you must never forget:God’s love is consistent. God isn’t moody or fickle. His love doesn’t depend on good or bad days. People may be warm toward you one day and distant the next. God’s love isn’t like that. He loves you with unchanging, steady affection every single day.God’s love is unconditional. God’s love doesn’t say, “I love you if . . . ” or “I love you because . . . ” Instead, God’s love says, “I love you. Period.” His love isn’t based on your performance; it’s based on his character.God’s love says, “You’re mine. I made you. I saved you. I redeemed you. I want you with me forever.” God’s love is absolute and doesn’t change. You’ll never need to earn it.Doubting God’s love leads to trouble. In fact, every time you sin, it’s because you doubt his love and think you know better than he does.God’s commands come from his love for you. Even when you don’t understand what he’s asking, you can trust that he knows what’s best. Choosing your own way may seem easier, but it can bring painful consequences.You can build your life on these two truths: God loves you consistently, and he loves you unconditionally. In other words, he will never stop loving you, no matter what.Begin this Monday by thanking him for that love. It’s a foundation you can trust forever.
Forgiveness Refills What Ministry Drains

Forgiveness Refills What Ministry Drains

“Be kind to each other, tenderhearted, forgiving one another, just as God through Christ has forgiven you.” Ephesians 4:32 (NLT)Pastor, everyone has times in life when they feel like they’re running on empty. So it’s no surprise that when we feel empty on the inside, we often look for things to fill us up.You can come into Monday that way. You preached, counseled, answered questions, carried burdens, and made decisions. Then the next week starts, and people still need you to pour out.Some people come home at the end of the day and fill their emptiness with television or entertainment. Others fill it with food or something else that helps them not feel the emptiness for a while.Even things that seem harmless can be used to fill your tank. It may be a hobby or sport. For pastors, it may even be more ministry work. You just work harder and harder because you don’t like the feeling of slowing down. You overwork to hide your emptiness.All of these have one thing in common: None of them keep you filled up. None of them last. They all lead to even more emptiness.But God offers a better way. He wants to fill you up in a way that lasts. He does this through his love, his presence, and his purpose for your life—and he also works through forgiveness.The antidote to feeling drained emotionally and physically is to receive the forgiveness of God and to extend that same forgiveness to others. The Bible tells us, “Be kind to each other, tenderhearted, forgiving one another, just as God through Christ has forgiven you” (Ephesians 4:32 NLT).In fact, forgiveness is the key to happiness: “Happy are those whose sins are forgiven, whose wrongs are pardoned. Happy is the one whom the LORD does not accuse of doing wrong and who is free from all deceit” (Psalm 32:1–2 GNT).Nothing causes you to run out of joy and energy faster than guilt and resentment.Pastor, guilt can follow you into Monday after a hard sermon, a tense meeting, or a conversation you wish you had handled differently. Resentment can follow you too, especially when you’ve been criticized, misunderstood, or taken for granted.That’s why experiencing God’s forgiveness and choosing to forgive others is such a huge re-energizer.Here’s the truth about forgiving others: It’s not earned, it’s not easy, and it certainly isn’t fun. But it’s what lets you get on with your life and your calling.Sometimes you just need to pray, “God, help me to let it go. No matter what they’ve done to me, unforgiveness is not going to change the past. So help me to just let it go.”God doesn’t want guilt and resentment to keep you running on empty. He wants to fill your tank by offering you his forgiveness and helping you forgive others.You have a choice as this week begins: Are you going to live on an empty tank or a full tank?Choose fullness. Receive God’s forgiveness where you need it, and ask him for the grace to give forgiveness where you’ve been holding on.
Build People Who Reach People

Build People Who Reach People

Pastor, you were never meant to fulfill the Great Commission by yourself.You can preach evangelistic sermons, plan outreach events, and remind your church that lost people matter to God. You should. But if evangelism stays mainly on your shoulders, your church will never become what Jesus intended.Your job is to equip people who reach.Ephesians 4:12 says God gives pastors and teachers to the church “to equip God’s people to do his work and build up the church, the body of Christ” (NLT). That means pastors are equippers. We build the church by helping God’s people make commitments that move them toward maturity and mission.So how do you help your church become more than an audience for evangelism? Start with three commitments.1. Equip people for the missionIf people in your church are going to grow spiritually, it’s not enough for you to pray that they grow. There is work you have to do as a leader. You need tools that help people make and live out commitments that change their lives.At Saddleback, we used a simple class process to help people live out God’s purposes: membership, maturity, ministry, and mission. The point was to move people. Through that process, people were baptized, developed spiritual habits, discovered their SHAPE for ministry, and were sent out on mission.Purpose driven is a people-development strategy. It moves people from unbeliever to believer, then through the stages of knowing Christ, loving Christ, belonging to his family, growing in Christ, serving Christ, and sharing Christ.2. Give people a next stepPeople rarely drift into mission. They need to be asked.A lot of times we think people will just know what to do. We think the message, the music, or the ministry environment will automatically move them. But Jesus didn’t expect people to guess. He asked them to make commitments. Time after time, he said, “Follow me.”So ask confidently. Ask specifically. Don’t just say, “You ought to be more mission-minded.” Give people a step they can take this week:Invite one neighbor.Pray for one coworker.Share your story with one friend.Join an outreach team.Participate in a mission trip.Take the next class.Begin discovering your life mission.Nothing becomes dynamic until it becomes specific. If you want people to make a commitment, tell them what you’re asking for and why it matters. Then allow baby steps. People move from crawling to walking to running. Sometimes the first small act of obedience opens the door to a lifetime of mission.3. Build structures that carry the missionThe New Testament church didn’t grow only through large gatherings. Acts says they met in the temple courts and from house to house.You need both. Large-group worship is “come and see.” House to house is “go and tell.” The early church gathered and scattered. They worshiped together, and they reached out through relationships.Small groups were never meant to be only Bible-study groups. In the New Testament, groups fulfilled all five purposes. They studied the Bible, fellowshipped, shared communion, prayed, helped each other in practical ways, worshiped, and invited others.They were evangelistic. Every group was evangelistic.Acts 2:47 says the Lord added daily those who were being saved. How do you add daily those who are being saved if you only have weekend services? You can’t. You need people living on mission during the week. That’s why we used to say, “Each one, reach one.”Send the whole churchPastor, you may feel the pressure to keep outreach alive by your own effort. But Jesus never asked you to be the whole body. He asked you to build the body.So keep preaching the gospel. Keep planning outreach. Keep calling your church to care about lost people. But don’t stop there. Build a process that helps people belong, grow, serve, and share. Ask for specific commitments. Give people structures where mission can happen through ordinary relationships.
Change the Channel on Worry

Change the Channel on Worry

Monday morning has a way of handing you the whole week's worries before you've finished your coffee. The email you haven't answered. The board meeting. The family in crisis. The giving report. The sermon that still isn't coming together. If anyone knows the pull of worry, it's a pastor.But here's the honest truth: "Don't worry" may be the hardest command in the Bible to obey. Every one of us has broken it, probably already this morning. Worrying comes naturally to us.Jesus put it plainly: "Do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own" (Matthew 6:34 NIV). So that naturally leads to this question: Are you spending today's energy replaying last week's mistakes and rehearsing next week's problems?Worry never actually fixes anything. It can't undo a hard conversation. It can't guarantee the outcome you're praying for. All it can do is quietly steal the peace God wants you to have today.At its root, worry is a focus problem. When you worry, you're staring at your fears instead of trusting your Father. You start carrying the church like it all depends on you, as if you have no Father who has promised to provide for you. But that weight was never yours to hold alone.Breaking the habit of worry isn't about gritting your teeth and trying harder not to worry. That never works, because you're still focused on the very thing you're trying to avoid. Instead of trying not to think about your problems, you need to put your focus on God. In the Bible, God's people often refocused through prayer, and sometimes fasting, letting their need draw them closer to him instead of deeper into themselves. You can do the same.Scripture says it this way: "If people's thinking is controlled by the sinful self, there is death. But if their thinking is controlled by the Spirit, there is life and peace" (Romans 8:6 NCV).You get to choose your focus. Fix your eyes on your problems, and worry will trail you all week. Fix your eyes on God, and his Spirit meets you with life and peace.So don't just tell yourself, "I won't worry." Change the channel. Don't fight the worry. Refocus. Turn your attention back to God, and trust his love and his promises for you and for the people you shepherd.
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