Archives for posts with tag: finance

In the simplest of terms, a covenant is an agreement, a contract or a bond between parties—a binding promise.  When a covenant is called into effect, there is an expectation that the agreed upon terms will be enforced.  In our legal system, most people go into covenants with the assurance that the legal system will enforce the terms and conditions of the agreement.  However, while the law can often guarantee that all parties will abide by the term of the covenant, a level of trust is still required between the parties.  Most people do not enter into covenants with people whom they know to be unscrupulous.  Most legal covenants are often measures that reasonable people establish to safeguard themselves against unforeseen events.  Again, most people enter covenants with the assumption that the opposing party has a certain amount of integrity.  This brings me to the point of this blog: God’s covenants.

 

Number 23:19 says, God is not human, that he should lie, not a human being, that he should change his mind. Does he speak and then not act? Does he promise and not fulfill,” (NIV)?  This passage indirectly speaks to the Abrahamic Covenant where God promised Abraham that he would bless the Israelites and Abraham’s family line.  In Number 23, Balak wanted Balaam to curse the Israelites, but Balaam replied with, “‘I have received a command to bless; he has blessed, and I cannot change it,’”(v. 20, NIV).

 

God cannot and will not change His mind.  He is in covenant with His people.  Number 23:19, not only speaks to the nature of God, but it is also a covenant in and of itself.  God is saying that his Word is bond.  Once he has said it, it is done.  Below is an exercise that I challenge all of us to do.

 

Covenant Agreement Between God and me

This Agreement made this __________ day of ____________20______ by and between _______________ and God.

 

Standing on the promises of the Abrahamic Covenant, I am believing God for:

  1. _______________________
  2. _______________________
  3. _______________________
  4. _______________________

 

The Bible verses that I rest my beliefs on are:

  1. _______________________
  2. _______________________
  3. _______________________
  4. _______________________

 

This agreement encourages us to remind God what He has promised.  With that said, we should also remember that God’s thoughts are not our thoughts and His ways are not our ways (Isaiah 55:8).  There will be times that our prayers go unanswered for reasons we cannot understand, but we should go into agreement with God knowing that He has heard our petitions and that He will answer; and if the answer is not what we expect, it is what God intended because He has deliberate acted.  Below are a just a few examples of how God acted on behalf of his people’s prayers.

 

Prayer for healing:

  • Hezekiah was on the brink of death and cried out to God to spare his life.
    • “‘Go and tell Hezekiah, ‘This is what the LORD, the God of your father David, says: I have heard your prayer and seen your tears; I will add fifteen years to your life,’” (Isaiah 38:5, NIV).

 

Praying for a Godly partner:

Abraham, though his servant, prayed that God would find a specific wife for Isaac.  God led Abraham’s servant to Rebekah.  Isaac and Rebekah were later married (Genesis 24: 1-67).

 

Praying to have children:

Isaac pleaded with the LORD on behalf of his wife, because she was unable to have children. The LORD answered Isaac’s prayer, and Rebekah became pregnant with twins,” (Genesis 25:21, NLT).

 

Released from jail:

“But during the night an angel of the Lord opened the doors of the jail and brought them out,” (Acts 5:19).

 

Financial breakthrough:

“The blessing of the LORD makes a person rich, and he adds no sorrow with it,” (Proverbs 10:22, NLT).

 

Spiritual breakthrough:

The weapons we fight with are not the weapons of the world. On the contrary, they have divine power to demolish strongholds,” (2 Corinthians 10:4, NIV).

 

Fulfillment of God’s promise:

  • God had given Joseph a dream that he would become a mighty man. However, over the course of time, he was kidnapped, sold into slavery, accused of rape, imprisoned and forgotten.  Fortunately, God did not forget about him or the promise that he made to him.

 

  • 38 And Pharaoh said to his servants, “Can we find a man like this, in whom is the Spirit of God?” 39 Then Pharaoh said to Joseph, “Since God has shown you all this, there is none so discerning and wise as you are. 40 You shall be over my house, and all my people shall order themselves as you command. Only as regards the throne will I be greater than you,” (Genesis 41:38-40, ESV).

 

Today, I pray that you remember the covenant agreement that God has made with you and with Abraham.  Stand on His Word as you pray for His favor!

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Empty Well

It is so important for us to read the bible in context.  So often, we memorize key verses and phrases, and neglect to see the bigger picture.  This morning, as I thought about this blog on empty wells, Galatians 6:2 came to mind: “Carry each other’s burdens, and in this way you will fulfill the law of Christ,” (NIV).  But as I meditated on the verse, I realized that it was the second verse of the chapter.  What did the previous verse say?  In fact, the previous verse served as a cautionary statement.  It said: “Brothers and sisters, if someone is caught in a sin, you who live by the Spirit should restore that person gently. But watch yourselves, or you also may be tempted,” (NIV).  The New Life Version reads, “You who are stronger Christians should lead that one back into the right way. Do not be proud as you do it. Watch yourself, because you may be tempted also.”  Firstly, the verse calls for the “stronger Christians” to lead his brother/sister back into the right way.  Secondly, it cautions the “leading” individuals to refrain from becoming proud and to be careful of falling into the same trap.  The truth is, we all have areas where we are strong and areas where we falter.  Moreover, these areas may vary by season and/or circumstances.  It is important for us to understand that while God has called us to bear one another’s burdens, there is only one Savior.  We were not designed to save everyone.  In fact, if we do not continue to replenish our wells, then we run the risk of running emotionally and spiritually dry.

If you are consistently playing the role of the go-to person in your relationships, there will come a point where your well will run dry.  If you incessantly pour out and do not replenish your reserve, you will bottom out.  This could have multiple physical, mental and spiritual ramifications.  Below are a few things that I have found helpful during some of my darkest moments.

  1. Be kind to yourself
    1. Know that some days you will fly, and some days you will fall. Some people will think you are the greatest, and some will think that you are the worse.  However, neither one of these things define who you are.  Only God defines you.  He made you, and He knows who He has called you to be.  No one else has that authority, including you!
  1. Keep inventory of your “well” reserve
    1. Most credit counselors advise against credit card use. Why?  With credit card usage, there is a tendency to spend more than we have.  Debit card are just as bad.  I would venture to say that most people are not balancing their account ledger after each swipe of their card.  It’s no wonder the banking industry makes so much money on overdraft fees.  The same is true of our emotional bank account.  If we are not keeping an accurate account of our balance, there will be a tendency to over extend and/or over commit.  If we don’t keep accurate accounting, we will spend more than we have to give.  This brings me to Item #3.
  1. Learn to say “No!”
    1. Saying “no” is way more than simply refusing a request. Sometimes saying “no” could mean declining to answer an email, a text or a missed called.  For some, this is the biggest step towards establishing healthy boundaries in relationships.
  1. Keep inventory of those who are making deposits and withdrawal into and away from your wells
    1. Relationships are seldom equal. However, our relationships must be mutually beneficial.  In other words, we will have relationships where one person brings more to the table than the other.  The important thing for us to remember is that we should maintain a healthy balance of the different types of relationships in our lives.  Again, if we are always giving more than we are receiving, then our relationships are out of sync, which will eventually lead to a dry well.
  1. Take note during your hour of darkness.
    1. Who are the ones calling solely to check on you—not to gossip, not to vent, but simply to check on your well being?  Oftentimes, when you tend to be the strong one in your relationships, people erroneously think that you don’t have problems or that your problems are secondary to theirs.  Please understand that is an unfair and unrealistic expectation.  The people in your life must be able to acknowledge that you too are human, and as such, you too have your cross to bear.
  1. Know that you cannot be everything to anyone person.
    1. I recently had a conversation with a friend who said to me that in relationships, we meet our needs by drawing from the many wells in our lives. Whenever, we start to draw predominantly from one well, we put that other person in an unfair position, which is too much pressure to place on any one person.

Now, after having said all that, I will say this:  When we are weak, God will make us strong.  There are times when God will push us beyond what we thought we could do or where we thought we could go.  However, the problem in many of our lives is that we fail to ask Him for His counsel, and we busy ourselves with things, people and tasks that He never commissioned us to take on.  Sometimes, God is doing a work in our lives and He is doing work in others’ lives as well.  My final parting note is that we should seek God in all that we do, and He will give us the guidance that we so desire.

There are moments in our lives when we will feel as though the walls are closing in around us and that we are surrounded by enemies on all side.  In those moments, it seems like there are more of them than there are of us.  That is when we are called to stand firm on the Word of God and scream the name of Jesus.  Deuteronomy 28:7 says, “The Lord will grant that the enemies who rise up against you will be defeated before you. They will come at you from one direction but flee from you in seven,” (NIV).  This morning I speak God’s words into your situation.  I pray that when your enemies comes at you in one direction, they flee in seven.  The Bible is filled with many verses for various situations.  Below are just a few:

Your enemies are attacking you and have surrounded you on all sides.                

“The Lord will grant that the enemies who rise up against you will be defeated before you. They will come at you from one direction but flee from you in seven,” (Deuteronomy 28:7, NIV).

Your faith is being tested and shaken.

“The apostles said to the Lord, ‘Show us how to increase our faith,’” (Luke 17:5, NIV).

The foundation of your marriage is being tested.

There is no fear in love. But perfect love drives out fear, because fear has to do with punishment. The one who fears is not made perfect in love, (1John 4:18).

But for those who are married, I have a command that comes not from me, but from the Lord.A wife must not leave her husband. But if she does leave him, let her remain single or else be reconciled to him. And the husband must not leave his wife.  (1Corinthians 7:10-11).

Your relationships are being tested.

“But blessed are those who trust in the Lord and have made the Lord their hope and confidence, (Jeremiah 17:7, NLT).

Your finances are being attacked.

The blessing of the Lord makes a person rich, and he adds no sorrow with it, (Proverbs, 10:22).

The devil is robbing you of your peace.

 Don’t worry about anything; instead, pray about everything. Tell God what you need, and thank him for all he has done, (Philippianss 4:6).

Doctors, man, have spoken death and sickness over your life.

O Lord, if you heal me, I will be truly healed; if you save me, I will be truly saved.  My praises are for you alone, (Jeremiah 17:14).

Doctors, man, have given you the news of infertility.

Isaac prayed to the LORD on behalf of his wife, because she was childless. The LORD answered his prayer, and his wife Rebekah became pregnant (Genesis 25:21, NIV).

Man has spoken failure over your life.

Do not put your trust in princes, in human beings, who cannot save.

When their spirit departs, they return to the ground; on that very day their plans come to nothing, (Psalm 146:3-4).

Man has spoken curses over you and your family.

Listen, I received a command to bless; God has blessed, and I cannot reverse it, (Numbers 23:20, NLT)!

“It is for freedom that Christ has set us free. Stand firm, then, and do not let yourselves be burdened again by a yoke of slavery” (Galatians 5:2, NIV).

The biggest life lessons are the ones that are birthed out of frank conversations.  About a year ago, I was conversing with one of my mentors when he shared with me one of his theories on life.  He said:

“If you get up on Monday morning and say, ‘Ok, it’s Monday, let’s jumpstart this day,’ then you probably have a career.  If you get up on Monday morning and say, ‘Oh s*** it’s Monday,’ you most likely have a job.”

Those words resonated with me.  If we, as individuals, are walking in our purpose, Mondays do not ignite a visceral response.  That doesn’t mean that life isn’t hard and we don’t get fatigued and occasionally frustrated.  It simply means that Mondays aren’t daunting.

So, why are Mondays so unnerving?  Why do most people start to dread Monday as early as twilight on Sunday?  The answer is simple.  Most of us are slaves.  One of our chief masters: Debt.  Sure, fear, laziness and other vices are all co-conspirators, but debt is one of the main slave masters.

I think it’s probably safe to assume that if it weren’t for financial obligations, many people would probably have quit their current jobs eons ago and pursued their passions.  But with mortgages, car payments, loans and other debts, simply walking away is difficult.  Debt not only impact our career paths, it impacts our overall health—physically, mentally, spiritually and relationally.  Debt distorts our perspective, limits our vision and narrows our options.

So how do we conquer debt?  We need two things: a physical and a spiritual plan.  A physical plan could range the gamut from budgeting to financial counseling.  This essential component is need and case specific and beyond the scope of this dialogue.  A spiritual plan requires us to stand on God’s Word.  His word is his promise to us.  God sacrificed His one and only Son so that we could be free.  Hence, it was never God’s intention that we would be slaves to anything, including debt.  Below are just a few principle to meditate on regarding God’s view on debt.

Proverbs 22:7 (ESV)

The rich rules over the poor, and the borrower is the slave of the lender.

Psalm 37:21

The wicked borrows but does not pay back, but the righteous is generous and gives;

And finally, one of my favorites:

Deuteronomy 28:9-13 (NIV)

 The Lord will establish you as his holy people, as he promised you on oath, if you keep the commands of the Lord your God and walk in obedience to him. Then all the peoples on earth will see that you are called by the name of the Lord, and they will fear you. The Lord will grant you abundant prosperity—in the fruit of your womb, the young of your livestock and the crops of your ground—in the land he swore to your ancestors to give you. The Lord will open the heavens, the storehouse of his bounty, to send rain on your land in season and to bless all the work of your hands. You will lend to many nations but will borrow from none.  The Lord will make you the head, not the tail. If you pay attention to the commands of the Lord your God that I give you this day and carefully follow them, you will always be at the top, never at the bottom.

Today’s prayer:

Lord,

According to the world’s standard for living, money is one of the greatest source of strife in relationships.  I pray that in our relationships, you grant us the wisdom to be prudent with the resources that you have gifted us with.  I also pray we would not allow debt to prevent us from pursuing and living the life that you have destined for us.  In Jesus’ name I pray. Amen!