Archive for Personal

Top 7 Money Mistakes I’ve Made – Part Two March 10, 2010

Continuing yesterday’s post…

#4 – Seeking to live the “minimum payment” lifestyle.

I remember my first credit card…after getting it I stopped at a sporting goods store and bought a gun.  (Just like all pastors should!)  It was $300…and when I got the bill in the mail the next month the payment was ONLY $15!!!  (I didn’t know what 19% interest meant!)  It was the beginning of a PAINFUL lesson for me–making the minimum payment is NOT a great financial plan!

Within four years I was carrying maxed out balances on around seven credit cards and “successfully” making the minimum payments every month…which was KILLING ME financially.  I reasoned that if I continued to make the minimum payments that I would one day be out of debt…which WAS true…but “that day” would have been in the year 2900 at the rate I was going!

#5 – Transferring credit card balances

Don’t roll your eyes…some of you do this!  I would get a “convenient” credit card offer in the mail and it would say, “transfer your balances today and get no interest for six months.”  What the offer didn’t tell you is that the interest rate was an arm and a leg after that six months.

I always told myself that I could pay off the balance within six months–WHICH NEVER HAPPENED!  I realized then that Proverbs 22:7 was/is true…in just four years of having a credit card (which was only going to be used in case of an “emergency”) I had DISCOVERED that my VISA to financial freedom wasn’t in obtaining more AMERICAN OBSESS but rather in turning over MASTER CARD to Jesus instead of the banks!

#6 – STUPID car decisions.

I used to be the guy who said, “I will always have a car payment.”

I used to be the guy that when a car needed a repair I would say, “Go get another one, you don’t want to sink money into that old thing.”  (Which, by the way, is STUPID financial advice!  Seriously!  Spending $300 to fix a leak…or $45,000 on a new car–DUH!!!)

So…because of my desire to have a new car every year and a half (no, I am not making that up) I kept trading them in…and discovered what the term “upside down” means.  (It means, “I am a stupid, materialistic person”–at least that’s what it meant to me!)

I once financed a car that was two years old for 84 months at a 12% interest rate…DUMB!!!

Today I own my cars…they do not own me…and that is a very freeing feeling.  Most people I have talked to who are strapped financially could free themselves up so much if they would just sell their car…but their desire for status rather than financial freedom will prevent them from it most of the time.

#7 – Not having an emergency fund.

One of the things that Joe and Dave teach is that emergencies are going to happen, the car is going to break down, the kids are going to get sick, the tire is going to go flat…and that if money is set aside for these emergencies then they are less worrisome when they take place.

You CAN set aside an emergency fund…and you CAN live in financial freedom…it just takes WORK!!!

Top 7 Money Mistakes I’ve Made! March 9, 2010

Quite a while back I shared a two part post in regards to the top seven financial mistakes I’ve made…in light of yesterday’s message I thought I would share those posts again!

#1 – I Did Not Place Jesus First In My Finances

OR…in other words…I did not tithe.

I used the excuse that I could not afford to tithe…and it was through some painful financial lessons that God actually showed me that I could not afford NOT to tithe. God kept bringing me back to Matthew 6:21 and Matthew 6:24 over and over again…and in the fall of 1999 I completely surrendered the 10%. (And I’ve never missed it!)

#2 – I treated tithing as the finish line.

When I began tithing I sort of expected God to strike up the heavenly marching band…and for about a year I was quite proud of my newly formed spiritual discipline…until…

In the summer of 2000 Jason Wilson, our Executive Pastor, was speaking at NewSpring Church and said, “We all know that Scripture says to tithe…what I want to ask tonight is what are you doing with the other 90% to advance His Kingdom; after all, He does own it all!”

That statement hit me in the face like a ton of bricks…Psalm 24:1 became more real to me than ever before…and that night I surrendered the other 90% to Jesus!

Tithing isn’t the finish line…it’s the starting point…God has called us to be generous givers–HE IS!!! (II Corinthians 9:15)

#3 – I thought I could NEVER get out of debt.

When Lucretia and I got married on April 8, 2000 we had over $100,000 worth of debt and DIDN’T EVEN OWN A HOME. It was all credit cards, student loans and ridiculous purchases (all made by me!)

I felt trapped–heck, I was trapped…and I had just about given up hope until I heard about this guy named Dave Ramsey. It was in one of his all day sessions that I began to understand that I could get out of debt…but it was going to take sacrifice, a lifestyle adjustment…but it COULD be done!

In November of 2007 Lucretia and I became debt free…we owe on nothing except for the house. Trust me–if we can do it–YOU CAN TOO!!!

(By the way…if you are making one of these mistakes…OR any of the next four that I will talk about later on this week…and you do not MAKE it a priority to get to JOES CLASS THIS WEEK then you’re passing on an incredible opportunity!  Seriously, there is NO REASON for you to be in debt…when Jesus sets us free…WE ARE FREE, and yet so many Christians go and enslave themselves to debt! BREAK FREE THIS WEEKEND!!!

Stay tuned for the other four…

A Call To Action February 26, 2010

Deuteronomy 1:7-8 jumped out at me the other morning…as I had this thought…

God has NEVER led anyone to the point of indecision…it’s NOT that we don’t know what to do most of the time…but rather we know EXACTLY what to do, but in order to obey it will cause us to break out of our comfortable routine and actually put forth some effort.

God had promised the Israelites the land they were going into…He had spent years preparing them for the takeover…but when it came time to make things happen He didn’t tell them “Sit here while I go do it all,” but rather, “Break camp and advance…”

Translation…

“Break camp…” – Get out of your place of comfort.

“Advance” – In other words…DON’T try to keep things the way they are…there are MUCH better things in store.

I love how God doesn’t call His followers to be passive…to sit back and do nothing.  We serve a living and active God…which means if we seek to imitate Him then the same should be said of us.

So…any decision that you’ve been putting off that you KNOW He’s clearly spoken about?

“Break camp and advance…”

Giving It All February 24, 2010

I’m reading through the book of Deuteronomy right now…and it is absolutely rocking my world…

The other morning I stopped on Deuteronomy 1:3 and had to ask myself two questions…

#1 – Am I doing this as a pastor?  Seriously…am I stepping up every single week and saying ALL that God is telling me to say?

Saying 95% of what God tells me to say it being 100% disobedient!

Many times I have held back because of fear of what people might say or think…and then there is also that fear that people may not respond the way I want them to (despite the promise of God in Isaiah 55:8-13!)

Personally, at this point in my life, I am trying to view every sermon I preach and say, “this COULD be the LAST time I ever preach HIS Word…and so I don’t need to hold back but rather GO FOR IT, speaking in confidence and completely trusting Him with all that needs to happen.”

#2 – Am I doing this as a person?  When I have a conversation with someone…and I know that there may be an issue in their life that needs to be addressed…do I hold back because I don’t want them to be mad at me…or do I address them in a loving and respectful manner and trust that God will take my words and deal with their heart in His time?

I think one of the reasons the body of Christ is SO dysfunctional is because we are VERY willing to try to clean up the problems in the world…when many of them would actually disappear if we simply focused on cleaning up the problems we have among ourselves.

Just some thoughts I am dealing with that I thought I would share.

CHANGE February 16, 2010

OK…so here goes…

I’ve been blogging now since 2005…and it’s been a BLAST!

NO, I am NOT going to stop writing…BUT…this site is going to take a turn that I feel God has been leading me down…

#1 – I will probably not be blogging every day anymore.  This is a change that I have been feeling the Lord lead me to make…but I have been fearing it because I, at times, have allowed my identity to be in this website rather than in Him.

#2 – I will be posting to NewSpring Church more…I LOVE the church, I love church leaders and will continue to share leadership thoughts and insights as the Lord shares them with me…BUT…the PRIMARY group of people I’ve been called to lead is here at NewSpring Church, and so I will spend more time communicating on this site to the church God has me being a part of.

#3 – There is a good chance that many of my posts in the future will be one or two paragraphs at the most.

#4 – I am going to spend WAY more time in being developed as a leader rather than developing leaders.  Don’t get me wrong…I have a passion for leadership development, especially on the church level; however, God has REALLY shown me this past week that I have SO FAR to go…and the best thing I can do to develop leaders is actually share with them how HE is developing me.

#5 – I think I like twitter way better than blogging anyway.

That’s about it for now, just wanted to share the changes I feel the Lord has been leading me to make.  I’m excited about it!

Three Questions For Pastors/Church Leaders – Part Three February 11, 2010

#3 – How’s Your Spiritual Health—REALLY?

We’re pastors, right?  And so most people expect that when we get up out of our beds that the Angel of the Lord has already poured us a cup of coffee and is sitting in our kitchen just waiting on us to commune with him.  After doing so we slip into our glorified bodies and quote Scripture all the way to the office, where, when we arrive God has emailed us the next six months of sermons we should preach.

AND then we wake up!!!

Walking with God isn’t easy; in fact, I would argue that for a pastor/church leader it is actually more of a challenge.  We face critics, spiritual warfare and the realities of life on an enormous scale…and those things take a toll on us if we do not do whatever it takes to make sure we have a solid connection with Jesus.

Pastors, we’ve GOT to do all that we can do to make sure the spiritual temperature in our lives stays hot!!!  A few suggestions…

  • Read your Bible…NOT for sermon preparation but rather to hear God’s voice on a personal level.
  • Take a technology break…get away from email, the cell phone, twitter and facebook for an extended period of time (AT LEAST A HALF A DAY!)  It’s amazing how clearly we can hear God’s voice when we do not have distractions.
  • By the way…if you can’t do the bullet point I just suggested then you are addicted…and it’s not something to be laughed about…it’s serious.  You are filling your life up with distractions because you are probably wanting to avoid something…and the silence would allow God’s voice to solidly address the issue.
  • Answer the following question, “I feel the closest to God when I BLANK.”  And when you find that answer…do it A LOT!
  • Practice, don’t just preach, confession and repentance.
  • Take some time to get out of your normal routine to fast, pray and have some solitude.
  • Take two Sunday’s in a row off from preaching.  Your church will survive without you…and if it can’t then you have way more trouble than you would want to admit.  Trust me…taking two Sunday’s off REALLY refreshes you.
  • Visit other churches and attend conferences…and do not apologize for wanting to do this because “it fires you up!”  We all need that!
  • Get together with other pastors…and DO NOT let those meetings turn into “let’s bash the guy who isn’t here” meetings but rather times where you can mutually challenge and encourage one another.

I could go on and on…but the reality is that if you are a pastor/church leader then you probably already know what you need to do to grow and develop spiritually.  Don’t let your walk with God be replaced by a run with the church!  Do WHATEVER it takes to make YOUR walk a priority.

Three Questions For Pastors/Church Leaders – Part Two February 10, 2010

#2 – How’s Your Physical Health—REALLY?

A lot of pastors are fat—period.

Which is sad because a pastor that refuses to address his weight is hypocritical in that he will often tell people to have “self control” when it comes to sex before marriage…or have “self control” when it comes to smoking…but he cannot seem to practice “self control” in a buffet line.

(In Baptist world, the one I am most familiar with, many of the pastors have a problem with people drinking alcohol…but they would NEVER speak against someone eating too many biscuits.  They often say, “my lips have never touched alcohol” when it is very obvious that their feet have never touched a pair of running shoes either!  Statistics prove that WAY MORE PEOPLE die every year due to obesity than alcohol…yet the SBC remains silent on the subject…probably because it would force many of them to stop pointing their fingers at others and actually deal with who they see in the mirror!  Rant over!)
Here’s the deal…I used to weigh over 300 pounds…I wore a size 50 in the waist.  I was fat…huge…enormous…you get the point.  AND…no matter how hard I prayed the fat would not go away…and then one day I realized my weight was a spiritual issue and I HAD to do something about it…so I did the following…

  • I began to exercise…every single day.  I quickly understood that buying a gym membership didn’t mean that I would lose weight…I actually needed to go there and USE the machines instead of “enjoying fellowship.”  In fact, I usually will not speak in the gym unless I am finished…I am there to work out, not work my mouth!
  • I cut out ALL soft drinks and sweet tea…which KILLED ME…but I did a little research and finally understood that those things alone were responsible for HUNDREDS of extra calories a day that I did not need.
  • I quit ALL snacking after 6:00 at night.
  • I began eating healthier.  Yes, I know I tweet a lot about food and dessert…because…I LOVE food and dessert.  BUT…I have learned that if I “eat clean” most of the time then I can eat whatever I want some of the time.  SO…I eat a lot of salads and veggies…and I cut way back on the carbs.  (Notice I did not say I cut them out completely!)
  • I took responsibility for the way I looked…I didn’t blame it on being busy or any other external circumstance.

NOW…if you are overweight/obese then I would say see a doctor before trying ANY of the things I listed above.  AND…I would also say that the journey to losing weight is a long and often times frustrating one.

However, our bodies ARE a temple…and some of us have too much temple and need to downsize.

If you think I am being tough on this one it is because I am.  I know how hard it is to take control back of this area…I know how if feels to struggle with this…and I know what it is like to overcome.

So…pastor…how’s your physical health?  You’ve GOT to deal with this…you can’t preach self control and model a lifestyle that is out of control.