SOLVING A GIVING DILEMMA
September 12, 2004 AM
Sermon Outline
1 COR 16:2 & 2 COR 9:7
INTRO: Recently, I preached two lessons which I was asked to preach by our men who are seeking to raise our awareness of needs and to increase our giving to meet increasing challenges. Following them, one of our fine young families mentioned to me a problem which may be shared by a number of families ... young and old. The problem is this. We know what we should be giving to the Lord. And we would like very much to be doing that. But because of bad decisions we have made in the past, we simply cannot give what we would like to give now. I know the feeling. I have a strong suspicion many of us have been right there at some point in our lives. So, what should we do when we are confronted with this giving dilemma? I would like to try to give some help in this public way in the belief that this is not an isolated problem.
I THE UNWISE DECISIONS OF THE PAST?
A. Most of us can remember some unwise decisions which were costly
1. we had extravagant tastes and poor pocketbooks ... but!
2. credit is so easy to obtain (you are pre-approved) - buy now, pay later
3. before we knew it, we were over our heads in debt
B. And some costly decisions we thought were wise at the time
1. who has not made an almost sure thing investment?
2. who has not, on an impulse, made a large purchase - without thinking through the impact on the family resources
3. but the commitment is made and the bill must be paid
II SO, WHAT TO DO? HOW TO GET TO MY SPIRITUAL OBJECTIVE?
A. First, we must learn from our mistakes, unwise decisions
1. Ps 119:59a - I thought on my ways...
2. Prov 8:33 - ...and be wise
3. I know that I have learned some of these lessons the hard way - but I like to believe that the lessons have been well learned
4. and it is important not to argue, fuss, etc. about the money problem - the strain that puts on your marriage can be very hurtful - be patient
B. Establishing a family budget will help you get to your objective more quickly
1. you may need to do some strict accounting for all your money spent
2. then, you can establish a realistic budget - and be ruthless about sticking with it until you have gotten out of economic strain, distress
3. if you do not have a budget, you will probably continue to be in trouble!
C. Decide what you want your giving objective to be
1. 1 Cor 16:2 - 2 Cor 9:6,7 - 2 Cor 7,8
2. with all of that said, we still must decide on the amount which we believe should be our target - what help can we get to do this?
3. under the old covenant tithing was commanded ... no such commandment is found in the new covenant ... but could this be at least a starting place for us to make some decisions? (ultimately, we may find our situation to be one in which we exceed that by a considerable amount)
D. Get help, advice to correct & work through those mistakes
1. Prov 11:14 - ...in the multitude of counselors there is safety
2. professional advisers? successful business people? elders? (because your goal involves the Lord, I suggest a faithful Christian should be your choice)
3. once you have been through this exercise, follow through with actions!
E. Pay your bills - meet your obligations
1. perhaps you will need to contact creditors for help, etc. - but if you are going to have a problem meeting an obligation, contact that creditor
2. people who try to meet obligations usually get more understanding from creditors than others do!
3. Let no debt remain outstanding... - Rom 13:8 (NIV)
F. Save something from every paycheck
1. I call this paying myself - this was Benjamin Franklins advice
2. you must be diligent and regular about this - again, a small amount over a period of time builds to a large amount
3. this fund may at first be for emergencies - but after a while, it permits security, cash purchases, etc.
G. Increase your giving by some amount now
1. start toward your spiritual giving objective now
2. periodically, make reasonable increases - when obligations are fulfilled, remember that your objective was to increase your giving for the Lords work
3. increasing incrementally will lead you to your goal!
CLOSE: A verse of scripture which I have kept with me for many years is this one: 1 Cor 4:2 - Moreover it is required in stewards, that a man be found faithful. I have the deepest sympathy for folks who find themselves in the sort of financial bind to which we are referring here. And I believe that with patience, discipline and a bit of time we can get through this kind of difficulty and be better for having done so.
Cecil A. Hutson
12 September 2004