Finances — Creating Financial Security God’s Way

Finances — Creating Financial Security God’s Way

For a fee, many advisers will teach you how to manage wealth, but God freely shows us the best way to create financial security.

This may seem a far stretch from what I usually write about, but people of every age and financial situation read and follow this blog. Many feel the uncertainty of post-Covid times. Whatever security they once held appears more of a mirage than a reality. Stocks crash, employment opportunities dwindle, and health fades.

Jesus focused His teachings mostly on the Kingdom of God. But He didn’t avoid the subject of wealth and finances either. So here are a few rock-solid principles I find in Scripture.

#1 God First

Okay! This sounds obvious. But how do we implement it financially?

“Seek the Kingdom of God above all else, and live righteously, and he will give you everything you need.” Matthew 6:33

“Everything you need” includes the broad concerns most of us tend to worry about — health, food to eat, clothes to wear, and a roof over our heads. Jesus instructed His listeners to put God above even these basic needs.

One way to incorporate this principle to put God first is to consider God the CEO (Chief Executive Office) of your business and finances. As such, consider holding business meetings with God on a regular basis. I designate time each week for a business meeting with God, taking time to worship Him for who He is, thank Him for achievements, and commit all future endeavors to Him in prayer.

Sudden turns of events surprise me, but they never surprise God. When we establish God at the center of our goals (short and long term), it brings stability and financial security. This one practice has significantly changed how I do business, helping me face difficult decisions with confident hope.

#2 Spread Out

My dad often said, “Don’t put all your eggs in one basket.” He warned about the risks of investing all my resources and energies in one spot, where they might all be simultaneously destroyed.

Solomon gave similar advice.

“Invest in seven ventures, yes, in eight …”
Ecclesiastes 11:2

Maintaining multiple streams helps to create financial security. In the overall finances of our family, we attempt to hold diverse income streams. But even within the context of my small business, I work toward the seven/eight principle for a continuous stream of finances throughout the year.

When one venture dwindles, the others potentially carry you through. Over the course of a year or the duration of the business, multiple streams help to ensure financial security for the whole.

Initially, you may have only one stream. In your business meetings with God, ask Him to show you where, when, and how to diversify.

#3 Work Hard

Solomon adds this instruction:

Sow your seed in the morning, and at evening let your hands not be idle, for you do not know which will succeed, whether this or that, or whether both will do equally well.”
Ecclesiastes 11:6

I am thankful for parents who instilled a strong work ethic in their family. I must admit, however, I carried the principle to extremes far too often. Balancing work with periods of rest and recreation helps to refresh our minds and prepare us for heavy work seasons ahead. We might forget we are made from dust, but God knows how much we need a Sabbath rest.

In the healthy balance of work and rest, God also provides financial stability.

Let the favor of the Lord our God be upon us, and establish the work of our hands upon us; yes, establish the work of our hands!”
Psalm 90:17

God often establishes His blessing and favor through the work of our hands.

#4 Contentment

Millions of people live from one paycheck to another and carry huge burdens of debt. Never knowing where their next meal will come from, they live on the precipice of ruin. We don’t minimize the desperation many people feel. Their circumstances have often been imposed upon them.

Paul counsels,

I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want.” Philippians 4:12

So much striving and self-effort comes from a lack of contentment. Comparing ourselves to others and being deluded by the empty promises of get rich quick schemes may lead people to spend more than they make and accumulate more than they need.

Paul says, “I have learned!” Contentment is a learned skill. Those who never learn the secret of contentment find themselves on an exhausting cycle to accumulate more and more and more. We find within contentment one of the main keys to financial security.

Let’s bravely ask God to reveal areas where contentment should grow.

#5 Generosity

Generosity brings us full circle. We started with God as the focus and center. We end with Him securely at that central point.

The Kingdom of God functions on entirely different principles than we naturally understand. In giving, we receive. By opening our hands to the poor, we gain more. In sharing, we become rich.

The principle of sowing and reaping ebbs and flows throughout God’s Word. A farmer always reaps the same type of seed He has sown. The same principle applies to finances and wealth.

Give, and it will be given to you. A good measure, pressed down, shaken together and running over, will be poured into your lap. For with the measure you use, it will be measured to you.”
Luke 6:38

As we remember God and share with others, whether out of our need or abundance, He gives us the added bonus of joy in the journey. We can never outgive God!

#6 Thanksgiving

No matter where we find ourselves today, whether in abundance or lack, thankfulness shifts our vision, goals, and purposes back to God.

Remember the Lord your God. He is the one who gives you power to be successful, in order to fulfill the covenant he confirmed to your ancestors with an oath.”
Deuteronomy 8:18

We take no credit for any financial security. God gives the ability and power to be successful in every area of our lives. Time and chance happen to us all. We experience areas of both need and plenty. But as we turn ourselves to heartfelt gratitude, we remain anchored, not in our own ability, but in God’s great grace over us.

When we find ourselves in the place of little, be thankful for the little. When we find ourselves in the place of abundance, be thankful for the abundance.

Financial security comes through God and Him alone. As a matter of fact, I have discovered more excitement and peace in the places of trusting God for even the basic things of life, than when I lacked nothing.

Blessings my friends! May you learn the joy of handling finances God’s way.

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Giving Thanks – Sustaining an Attitude of Gratitude

Giving Thanks – Sustaining an Attitude of Gratitude

Sustaining an attitude of gratitude may seem difficult for many people. However, it is an attribute that we can develop no matter what our circumstances.

In my limited travels to developing nations ministering to the very poor, I have noticed thankfulness amidst great lack. Here is North America, we often struggle with being thankful while accumulating “more”, “better than we had before”, or “different than what someone else has.”

Consumerism pervades not just closets but hearts. If we aren’t careful, a sense of entitlement creeps in. “I’ve earned it!” or “I deserve better!” becomes the unspoken but underlying thought pattern.

Paul encourages us,

Rejoice always,
pray continually,
give thanks in all circumstances;
for this is God’s will for you in Christ Jesus.”
1 Thessalonians 5:16-18

The Passion translation says, “in the midst of everything be always giving thanks.” It is impossible to sustain an attitude of gratitude in all circumstances” if we haven’t developed a prayerful lifestyle of giving thanks.

People

An assignment recently required me to write a few notes to those who have inspired, motivated, or encouraged me along my spiritual or occupational journey. I had no trouble thinking of multiple people who

taught me new skills,
created opportunity for growth,
advocated for promotion,
allowed me to be vulnerable and authentic,
or picked me up after a major setback.

I am blessed! Does that mean life has been easy or people always treat me fairly, with honour and respect? Absolutely not!

“Healthy cultures embrace people where they are
but they also nudge them
and sometimes even push them to get better.”
– Dr. Henry Cloud

I am thankful for those who have “nudged” and “pushed” me “to get better” even if it wasn’t comfortable at the time.

Paul wrote to a very unhealthy congregation at Corinth, yet he said,

“I always thank my God for you
because of his grace given you
in Christ Jesus.”
1 Corinthians 1:4

As I mentor women living under high-pressure, dysfunctional, and even abusive situations, I exhort them to search for the “straws of good” in others. I’m not expecting them to ignore the reality, but rather inspire an attitude of gratitude.

Gratitude includes displaying thankfulness through words and actions. It isn’t long before these women come up with several things which they can genuinely give thanks for.

Circumstances

It is unreasonable to give thanks “for” everything that is thrown our way, but completely possible to maintain an attitude of gratitude “in” everything we are facing.

I have never experienced extreme persecution for my faith, like millions of others. Paul did. He gives a summary: “hard pressed, crushed, perplexed, in despair, persecuted and struck down” (2 Cor 4:7-9). Add to that, in prison, flogged, exposed to death, lashed, beaten with rods, stoned, shipwrecked, and constantly in danger (2 Cor 11:23-28)

My life looks easy in comparison. Yours probably does too. Yet, listen to his perspective.

“All this is for your benefit,
so that the grace that is reaching
more and more people may cause thanksgiving
to overflow to the glory of God.”
2 Corinthians 4:15

God’s grace works through every circumstance for His glory. That alone is reason enough for overflowing thankfulness.

I have enough years behind me to view life’s hazards through the lens of grace and thanksgiving. The tough times exposed ungodly attitudes and tendencies in me that otherwise would have continued to cloud my character. God uses the pressures of life to reveal and then refine. For that I am thankful.

God

A true attitude of gratitude rests in thankfulness toward God. The writer’s of scripture continually penned their recognition and appreciation for God and His great mercy and kindness.

“Praise the LORD.
Give thank to the LORD,
for he is good; his love endures forever.”
Psalm 106:1

Thankfulness naturally flows out of relationship with God. Yet even though God gives us ample reason to sustain an attitude of gratitude, David knew thankfulness comes from a decision of the will.

I will give thanks to you, LORD,
with all my heart;
and tell of all your wonderful deed.
I will be glad and rejoice in you;
I will sing the praises of your name,
O Most High.”
Psalm 9:1-2

The people of Israel experienced God’s blessing yet they adopted an “entitlement” culture as well. Paul encouraged the Colossians to remember it is all about Christ.

“… Be thankful.
Let the message of Christ dwell among you
richly as you teach and admonish one another
with all wisdom and through
psalms, hymns, and songs from the Spirit,
singing to God with gratitude in your hearts.
And whatever you do, whether in word or deed,
do it all in the name of the Lord Jesus,
giving thanks to God the Father through Him.”
Colossians 3:15-17

Sowing and Reaping

Sowing and reaping works in every dimension of our lives — natural and spiritual. If I want to reap thankfulness, I must plant seeds of gratitude in the ordinary activities of my day. Here are a few examples:

  • Speak – Tell people how thankful you are for them and the impact they are having on your life. Don’t assume they know.
  • Journal – Challenge yourself to journal one thing you appreciate every day for a hundred days.
  • Pray – Like David, make the decision to praise and thank God for His goodness and grace. Don’t let your prayer time slip into a list of selfish wants. Recognize God’s presence and His grace in your life.
  • Memorize – Search out key verses of scripture about thankfulness and “hide them in your heart” through memorization.
  • Rethink – It only takes 3 seconds to change a negative thought into a positive one. So lighten the gloom by re-programing your mind toward appreciation.
  • Accountability – Ask two or three friends to hold you accountable as you reshape your character into one of gratitude.

Even small steps go a long way in creating an attitude of gratitude. The reward will be a new perspective on how you view people, circumstances and even God. As you plant the seeds of gratitude in your own life, don’t be surprised if you hear those around you express their appreciation more freely as well.

“…Express your thankfulness regularly.
If you pray, offer prayers of gratitude.
Second fall more in love with the Giver
than you ever do with his gifts.
Third, never claim full credit for your story.
Acknowledge the role of grace and providence
publicly when you talk.”
– Carey Nieuwhof

Thankful

My paternal grandmother died of cancer leaving her young children behind. My grandfather was a rough man who found it difficult to express kindness. Yet my father and all his siblings developed a contagious sense of humour and an ease in conveying appreciation. Living with a mean-spirited father in the absence of a nurturing mother did not hinder them from creating and sustaining an attitude of gratitude.

My father generously passed on the heritage of thanksgiving to his children, of which I am a beneficiary. Though giving “thanks in all circumstances” is not always easy, I am thankful for the example he established.

Those seeds of thankfulness my father planted in me, I now want to invest in my children, grandchildren, and those I influence. Let’s pass it forward!

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Thanksgiving – Family, Friendships and Faith

Thanksgiving – Family, Friendships and Faith

Several nations, on virtually every continent, designate a specific time each year for thanksgiving. Some mark with appreciation harvest, freedom from slavery, life itself or a new homeland. Thanksgiving for me, however, is built around three primary relationships: family, friendships, and faith.

Canadians join in Thanksgiving festivities a month before our American counterparts, but the traditions are strikingly familiar. I am thankful for this national time to reflect and be thankful.

It is surprisingly easy to become content, even apathetic, in our blessings.

While out with my grandchildren recently, they all stopped to say “thank you” when someone offered them a treat. I was glad they remembered their manners without being prompted and surprised by the response they received, “You are the first children to say thank you all day!”

Something to Learn

Appreciation doesn’t come naturally to our selfish nature. It must be taught and learned!

Be thankful in all circumstances,
for this is God’s will for you
who belong to Christ Jesus.”
1 Thessalonians 5:18

Paul commands his readers to “be thankful” not just when we feel like it, but “in all circumstances”. We are not always thankful for our circumstances, but it is possible to be thankful in our circumstances. Yet I have witnessed faith grow so deeply secure in many whose peace and joy were tangibly evident in all circumstances. In their lives. expressions of continual thanks seem to flow freely even for all circumstances.

No matter how heavy, or how overwhelming life becomes, God is bigger! It is helpful to train our focus not on present situations, but rather on the One who

knows far more than we know,
loves beyond measure,
and cares above all others.

I applaud parents who instill in their children the value of gratitude. Our Heavenly Father also smiles upon those whose hearts overflow with appreciation.

Family

With a broad grin, my husband often says in reference to our five sons, “I wouldn’t take a million dollars for any one of them, but wouldn’t give you a plug nickel for one more!” It is his way of declaring the blessing he recognizes within the gift of family.

When we were married, we both considered two children to be the ideal number. God had a better plan! Presently, our family is 23 strong!

For my thoughts are not your thoughts,
neither are your ways my ways,
declares the Lord.

For as the heavens are higher than the earth,
so are my ways higher than your ways
and my thoughts
than your thoughts.”
Isaiah 55:8-9

The joy of family is hardly measurable. The loss of a family member through death, or absence through separation, is the most painful experience we will each endure. Holidays are difficult for those feeling the weight of such a burden. Searching for thankfulness takes concentrated effort in the midst of such brokenness and pain.

Yet even then, as we focus on eternal reality, fragments of gratitude radiate through grief bringing strength to sullen days.

Friends

Second only to family, friends fill my thankful list. My husband and I made what seemed like a radical move out of our comfortable home and familiar community about a decade ago. We cannot image what life would be like without the many friendships that have been nurtured since that time.

Rather than leaving friends behind, our circle of friendships has widened, then widened again with overwhelming surplus. God has enriched our lives surrounding us with many loyal and true friends.

“Every good gift and
every perfect gift is from above,
coming down from the Father of lights,
with whom there is no variation
or shadow due to change.”
James 1:17

Genuine friendship is a gift from God! No amount of material wealth can replace the good and perfect gift of friendship.

The ability to simply “do life” together with others is something truly to be grateful for. Laughing and crying! Supporting and encouraging! Sharing and caring! Loving and lasting! Friendships fill our lives with colour and vibrancy.

Faith

Faith may be listed last, but it is actually first!

Give thanks to the Lord,
for he is good;

his love endures forever.”
1 Chronicles 16:34

Thankfulness begins with God! To finish well, we must start here, with an attitude of gratitude towards God. Void of thanksgiving, our faith inevitably slides into the realm of delusion and confusion.

“Yes, they knew God,
but they wouldn’t worship him as God
or even give him thanks.
And they began to think up
foolish ideas of what God was like.
As a result,
their minds became dark and confused.”
Romans 1:21

It is surprisingly easy to know God and yet neglect to appreciate Him — not just for what He does, but for Who He is.

Is the darkness and confusion woven in any culture visible evidence of hearts hardened against the worship and thanksgiving of God? Perhaps!

Remember

Even in writing today, I am reminded of so much more to be thankful for. Is it possible to cultivate a continuous level of thankfulness crowning every day with gratitude?

Here are a few practical ways to create a lifestyle of thanksgiving:

  • Use a journal! One of my daughters-in-law has a thankfulness journal. Each day begins by writing something she is thankful for.

  • Several of my friends recharge their appreciation by doing a 100 Day Challenge. Each day for 100 days they share with others something they are thankful for.
  • Express it! Tell the people in your lives what you appreciate about them. Weave it into your family and friendship times until it is naturally spoken and expressed. Say “thank you” often and regularly.
  • Pray! Has prayer become a list of “I wants”? Expand you time with God to include more!

“Devote yourselves to prayer,
being watchful and thankful.”
Colossians 4:2

  • Look for “silver linings!” Even the most difficult situations have some kind of positive aspect. Is it the compassion others show in times of pain, the generosity that surfaces at points of need, or humility that flourishes in seasons of struggle? Be thankful!
  • Focus on others! When life’s challenges press hard, focus on helping someone else in need. Changing perspective by improving the life of someone else, will often stir thanksgiving within ourselves.
  • Notice the little things! Looking with child like simplicity often helps us see the beauty and wonder around us with new appreciation. Choosing to look at even the smallest of blessings can generate multiple reasons for thankfulness.

Just Do It!

Enough reading! It is time to do it! Starting a pattern of gratefulness will reap abundant blessing today while creating a pattern of thankfulness that will flow to subsequent generations.  Now is the best time to begin a new chapter of appreciation right where we are.

Start a fresh movement of thankfulness! Be the person others can emulate in their journey toward thanksgiving!