Calendars and Checkbooks
Filed under: Core Values, Financial Stewardship, Life Balance, Personal Development
We all want to accomplish the things that are really important in life and learn the discipline to walk away from everything else. Most of us have not taken the time to write down specific goals in a life plan that involves everything personal, family, faith, friends and our professional lives.
So how do we know if we are just filling our schedules with things to do without any serious evaluation or if those are the things that should even be done at all? We don’t want to get to the end of our lives and look back realizing that a lot of our time was totally wasted on things that don’t really matter.
A great place to start is to evaluate how we are spending our time and our money. Calendars can tell us a lot about our core values and priorities because they reflect the choices we are making. No doubt some of our time is not our own to schedule but how we are spending a large percentage of it reflects what is really a priority and what is not.
Are you making time for the people and relationships that you care about the most or are they getting the leftovers at best? If you really want to know take the time to track how you are spending your time for at least a month. You will be amazed how much of it is scheduled based on what appears to be urgent at the time but in the end is not really important at all.
The next big indicator of what is a priority in our lives is to look at how we are spending our finances. If we are living beyond our means and accumulating unnecessary debt then we have a major character problem that must be addressed.
More stress is brought into marriage by this one area than almost anything else. The only solution is again to write down a budget that includes all of your expenses and then have the discipline to post all your transactions and make necessary adjustments to live within your income.
You may think this sounds like way too much work to me and I am already busy enough. Trust me you are already using calendars and checkbooks anyway but you may not be gaining any of the benefits of leading your life instead of just letting it happen.
The Danger Of Debt
There is wide agreement among most evangelicals that acquiring debt as a principle is not sinful but the accumulation of it can be devastating. The borrower is indeed servant to the lender and when we use debt instead of living within our means then we have crossed a line that can lead to broken homes and failed businesses.
As someone who has counseled many couples with marriage problems a clear majority of the time financial problems are near top of the list. When couples do not take the time to develop budgets that reflect their mutual priorities in life then they eventually grow emotionally distant because they are trying to find happiness in things rather than relationships.
In a very real sense when we consistently have a lifestyle that is supported by debt rather than income we are living a lie. Whether it’s the clothes we wear, the car we drive or the home we live in, the bottom line is we are trying to meet a real need in the wrong way.
The only way we can maintain our integrity as a believer is to make sure when we have to acquire debt that we clearly have the means to pay it back within a reasonable time period. When we fail to pay our bills on time and in full we damage our testimony as a Christian and lost people see absolutely no difference in our values than the rest of the world.
God tells us clearly in His word that if we cannot be trusted with material things then we surely cannot be trusted with the deeper and more important spiritual truths in life. He promised to meet our basic needs but we must all come to the place of answering the question: How much is enough?
The ability to gain wealth according to scripture comes from God. He expects us to use that ability wisely and yes meet our needs but more than that have plenty left over to share with those who do not have enough food or water to make it another day.
The Role Of Contentment In Simple Living
Filed under: Core Values, Financial Stewardship, Life Balance, Personal Development, Physical Fitness
We are reminded in scripture that we brought nothing into this world and it is certain that we can take nothing out when we leave therefore having food and clothing we should be content. This does not mean we should all take a vow of poverty and live in a monastery.
We have all been given gifts and talents and we should with passion and excellence use them to the best of our ability to impact the world for good. The point is that regardless of wealth or poverty we should learn to lead a life that is not driven by things that don’t really matter.
In Richard Swenson great book on Margin he list several characteristics of simple living that are helpful:
1. Voluntary—If the simple life is forced, it ceases to be simple. This is a choice based on core values not something that is demanded.
2. Free—One of the key features of simplicity and at the same time, one of its principal advantages is that it is a life of freedom. It is being controlled by that which is life-giving and refusing to be controlled by that which is destructive.
3. Uncluttered—Emotionally we release our worries, we reconcile our relationships, we forgive our enemies and we begin anew each day.
4. Creative—Life is not boring just because it is simple. Simplicity sets the imagination free to work and to enjoy.
5. Authentic—A simple lifestyle must distinguish between the spiritually authentic and spiritually inauthentic. Biblical authenticity includes those things God has told us to focus on, those things that have eternal, God-assigned value: people, love, service, worship, prayer, self-denial, relationships, contentment, freedom, and rest.
6. Disciplined—Restraint is necessary for successful living, and all the more for simple living. Comfort is not a legitimate primary goal—authenticity is.
All Christians have made peace with God through their faith in Jesus Christ but all Christians do not live on a daily basis with the peace of God. This kind of peace only comes as the fruit of a contented life.
Lessons From Michael Jackson
Filed under: Core Values, Financial Stewardship, Life Balance, Personal Development
We have all been affected by the sudden death of Michael Jackson in different ways. Some of us feel compassion for the children who are left behind to grow up in the huge shadow of their father. Others are feeling regret for such a waste of a very talented person who lost so much of what really matters during his life.
Most of us will never have to deal with all of the things that Michael did that come with being a famous celebrity who earns millions of dollars in income. However we all have to deal with the life issues that he faced:
1. Resolve Past Hurts—if you do not deal with the pain from when people close to you have failed you when you were growing up then you will surely carry those open wounds into adulthood. The tragedy for all of us is when the core issues that we are dealing with as adults are really problems that surfaced many years ago but were never appropriately resolved.
2. Trust Right People—show me who your friends are and I can tell you a lot about your character. The temptation for all of us is to surround ourselves with people who tell us all that we want to hear but they really don’t care enough to tell us the truth. These people make us feel good for the moment but leave us eventually broken and empty when the fun runs out.
3. Develop Core Values—there is no doubt in my mind that many times Michael wanted to do the right thing and really wanted to help people. When you don’t have a solid foundation to build on you will consistently make very bad decisions that seem extremely inconsistent with whom you want to be as a person.
4. Decide How Much Is Enough—driven people are never satisfied because they are trying to satisfy their deepest needs with things that can never bring real peace and fulfillment in life. If you are not content with what you have now there is no reason to believe you will be in the future regardless of how much you get.
Michael Jackson’s legacy will be a hotly debated subject for years to come. Some only see the bad and others refuse to say anything was wrong at all. Will the people closest to you be debating your legacy when you are gone or will they all agree it was a life well spent.
How Much Is Enough?
Filed under: Core Values, Financial Stewardship, Life Balance, Personal Development
The one incredibly good thing about a down cycle is that it always forces us to separate what is important in life from what is not.
This is a very opportune time for you to be incredibly honest with yourself and ask the hard question How Much Is Enough? What do I really need to be fulfilled and content in my life? Take some time on this and make sure you cover every area of your life, personal, family, career, friends, faith and community.
For most of us as Americans we have never had to answer this question before. We have been told the sky is the limit and if you work hard enough you can accomplish anything you want.
I am in no way condoning anything less than your personal best in every area of your life. However, I am bringing into question a consumer driven philosophy of life that is more concerned with quantity of things than quality of relationships.
For too many of us we have been living out the script that someone else has written for us. It could be a parent, peers, corporate culture or society in general. Now is the time to write our own script that includes our own definition of success in life.
Contentment and gratitude are two incredibly important core values in life. If you do not know the answer to How Much Is Enough, then I am afraid you will never truly experience them.