Archive for category #stewardship
Hebrews 13:5-6, Ecclesiastes 2:20-11, Luke 12:15
Sermon Aug 26, 2018 RSUMC “Cultivating Contentment” Adam Hamilton’s “Enough”
Keep your lives free from the love of money, and be content with what you have; for he has said, “I will never leave you or forsake you.” So we can say with confidence,
“The Lord is my helper; I will not be afraid. What can anyone do to me?” (Hebrews 13:5-6)
[Jesus] said to them, “Take care! Be on your guard against all kinds of greed; for one’s life does not consist in the abundance of possessions.” (Luke 12:15)
Whatever my eyes desired I did not keep from them; I kept my heart from no pleasure. . . . Then I considered all that my hands had done and the toil I had spent in doing it, and again, all was vanity and a chasing after wind. (Ecclesiastes 2:10-11)
In recent years we have witnessed a number of devastating natural disasters, including hurricanes, floods, tornadoes, and wildfires. Natural disasters remind us that everything in this world is temporary. Most recently in the Hawaiian islands, we see the power and the loss. This is why we can say with Jesus, “[My] life does not consist in the abundance of possessions” (Luke 12:15). Yet the culture is shouting that it’s not true. The result is a wrestling match in our hearts.
Despite the fact that we say we believe Jesus’ words, we still find ourselves devoting a great deal of our time, talents, and resources to the acquisition of more stuff. We say that our lives do not consist in the abundance of our possessions, but we live as if they do.
Restless Heart Syndrome: Struggling with Discontent
Perhaps you’ve heard of restless legs syndrome (RLS), a condition in which one has twitches and contractions in the legs. Something we might call Restless Heart Syndrome (RHS) works in a similar way, but in the heart—or soul. Its primary symptom is discontent. We find that we are never satisfied with anything. The moment we acquire something, we scarcely take time to enjoy it before we want something else. We are perennially discontent.
When discontent is a virtue
There is a certain discontent that God intended us to have. God actually wired our hearts so that we would not be content with certain things, causing us to seek the only One who can fully satisfy us. We are meant to yearn for a relationship with God, to cultivate a deeper prayer life, to pursue justice and holiness with increasing fervor, to love others more, and to grow in grace and character and wisdom with each passing day.
When discontent destroys
The problem is that those things we should be content with are the very things we find ourselves hopelessly discontented with. For example, we find ourselves discontented with our stuff, our jobs, our churches, our children, and our spouses. God must look down on us and feel the way we feel when we give someone a special gift and the person asks for the gift receipt. It’s as if we’re saying to God, “I don’t like what you have given me, God. I want to trade it in and get something better.”
Four Keys to Cultivating Contentment
The Apostle Paul is an excellent example of contentment. In his letter to the Philippians, he wrote about the “secret” of his contentment (Philippians 4:11-12). Like Paul, we can learn to be content in whatever circumstances we may find ourselves. Four keys, which include the “secret” Paul referred to in his letter, can help us to do that.
- 1.Four words to repeat: It could be worse.
John Ortberg, pastor at Menlo Park Presbyterian Church in California, says there are four words we should say whenever we find ourselves discontented with something or someone: “It could be worse.” This is essentially the practice of looking on the bright side or finding the silver lining. It is recognizing that no matter what we may not like about a thing or person or circumstance, we can always find something good to focus on if only we will choose to do so.
- 2.One question to ask: How long will this make me happy?
So often we buy something, thinking it will make us happy, only to find that the happiness lasts about as long as it takes to open the box. There is a moment of satisfaction when we make the purchase, but the item does not continue to bring satisfaction over a period of time. Many of the things we buy are simply not worth the expense. This is why it is a good idea to try before you buy.
- 3.Develop a grateful heart.
Gratitude is essential if we are to be content. The Apostle Paul said that we are to “give thanks in all circumstances” (1 Thessalonians 5:18). A grateful heart recognizes that all of life is a gift. Contentment comes when we spend more time giving thanks for what we have than thinking about what’s missing or wrong in our lives.
- 4.Where does your soul find true satisfaction?
The world tells us that we find satisfaction in ease and luxury and comfort and money. The Bible, however, answers this question very differently. From Genesis to Revelation, it tells us that we find our satisfaction in God alone.
- “Thou hast made us for thyself, O Lord, and our hearts are restless until they find their rest in thee.” (Saint Augustine)
- “O God, you are my God, I seek you, / my soul thirsts for you. . . . / My soul is satisfied as with a rich feast, / and my mouth praises you with joyful lips / when I think of you on my bed, / and meditate on you in the watches of the night.” (Psalm 63:1, 5-6)
- “Whatever my eyes desired I did not keep from them; I kept my heart from no pleasure. . . . Then I considered all that my hands had done and the toil I had spent in doing it, and again, all was vanity and a chasing after wind.” (Ecclesiastes 2:10-11)
- Jesus said the two most important things we must do are to “love the Lord your God with all your heart, and with all your soul, and with all your mind,” and to “love your neighbor as yourself” (Matthew 22:37, 39). If we keep our focus on these two things, we will find satisfaction for our souls and lasting contentment.
Five Steps for Simplifying Our Lives – Contentment through Simplicity:
The road to cultivating contentment in our lives, is finding the most simple path. Contentment and simplicity go hand in hand.
- 1.Set a goal of reducing your consumption, and live below your means.
Set a tangible goal to reduce your own personal consumption and the production of waste in your life. For example, use canvas bags when you go grocery shopping and refuse any extra packaging. Whenever you are making purchases, look at the mid-grade instead of the top-of-the-line product. When buying a new car, aim to improve fuel economy over your existing car by at least 10 percent. Reduce your utilities 10 percent by setting the thermostat back a couple of degrees when you are away during the day and asleep at night. Find other ways to reduce your consumption and live below your means. To find other ways of reducing consumption, do some research, share ideas with others, or have a brainstorming session with your family.
- 2.Before making a purchase, ask yourself: Do I really need this? Why do I want this?
These questions will help you determine the true motivation for your desired purchase. Is it a need, a self-esteem issue, or something else? You may find yourself wrestling with your true motive and decide that your reason for purchasing the item is not a good one.
- 3.Use something up before buying something new.
Take good care of the things you buy and use them until they are empty, broken, or worn out. Buy things that are made to last, and when buying things that have a short lifespan, spend your money wisely.
- 4.Plan low-cost entertainment that enriches.
When it comes to choosing entertainment for your family or friends, plan things that are simple and cheap. You’ll be amazed at how much more pleasure you derive from low-cost, simple activities.
- 5.Ask yourself: Are there major changes that would allow me to simplify my life?
Consider downsizing your home, canceling a club membership you don’t use, or selling a car to buy one you can pay for in full. Ask yourself questions related to your home, possessions, job, and activities to identify some significant changes that will simplify your life. Remember, if you cannot do all the things God is calling you to do and you’re unable to find joy in your life, perhaps it’s time to simplify in some major ways.
The Power & Responsibility of Self-Control
Simplifying your life requires the practice of self-control. Solomon wrote, “Like a city whose walls are broken through / is a person who lacks self-control” (Proverbs 25:28 NIV). When a city’s walls are broken through, the enemy can march right in and destroy it; there is no longer any protection. Likewise, self-control is a wall around your heart and life that protects you from yourself, from temptation, and from sins that are deadly and ultimately can destroy you. Self-control often comes down to making a choice between instant gratification and delayed gratification for some greater cause. The choice can be examined using three questions:
- What are the long-term consequences of this action?
- Is there a higher good or a better outcome if I use this resource of time, money, or energy in another way?
- Will this action honor God?
Conclusion: Which tent will you live in?
Will you live in “discon-tent” or “con-tent-ment”? You and you alone determine which “tent” will be yours. You choose it in large part by deciding what life is about. If you decide that “life does not consist in the abundance of possessions” (Luke 12:15), then you are choosing contentment. Choosing contentment means we look to God as our Source, giving thanks for what we have; we ask God to give us the right perspective on money and possessions and to change our hearts each day; we decide to live simpler lives, wasting less and conserving more; and we choose to give more generously.
Lord, we pray that you might cure us of Restless Heart Syndrome. We are truly sorry for the times when we received the gifts you give us and asked for the gift receipt: when we were dissatisfied with a person you entrusted to our care, with our children or parents, with our home or our car, with our healthcare or our jobs. God forgive us for the times we’ve offended you by our discontent. Forgive us for being content with the things we should not be content with. Give us a hunger to pursue righteousness and holiness and justice and love, to long for you and for your will in our lives. Help us to simplify, to get off the treadmill, and to find our peace in you. We ask these mercies in your holy name. Amen.
(Drawn on Adam hamMilton’s Resources for Enough)
The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to want. (Prvb 21:5)
Precious treasure remains in the house of the wise, but the fool devours it. (Proverbs 21:20)
Where Did All Our Money Go?
FROM LAST WEEK: We must allow Christ to work in us.
Christ works in us as we first seek his kingdom and strive to do his will. As we do, we begin to sense a higher calling—a calling to simplicity and faithfulness and generosity. We begin to look at ways we can make a difference with our time and talents and resources. By pursuing good financial practices, we free ourselves from debt so that we are able to be in mission to the world. A key part of finding financial and spiritual freedom is found in simplicity and in exercising restraint. With the help of God, we can
- simplify our lives and silence the voices constantly telling us we need more.
- live counter-culturally by living below, not above, our means.
- build into our budgets the money to buy with cash instead of credit.
- build into our budgets what we need to live generously and faithfully.
Living as prodigals
From Jesus’ description in Luke 15:11-16, we see that the prodigal son had the habits of squandering and spending. The word prodigal does not mean someone who wanders away or is lost. It literally means “one who wastes money.” Many of us struggle with that habit. We’re not worried about tomorrow; we want it today. The problem with that kind of thinking is that, for most of us, the “famine” eventually comes. It comes when we have spent everything we have and even a little bit of next year’s income. So we use the credit card and charge it, and we go a little further into debt. Finally, we come to a place where we have nothing left, not even credit, and we can’t figure out how we are we going to get by.
The more we make, the more we waste.
It seems that the more financially secure we become, the less we worry about spending money here and there. We waste a dollar on this or that, and we forget where it went. Money just seems to flow through our fingers. We’re not as careful with our money as we should be. There are many ways we waste money, but there are two primary money-wasters that many of us struggle with. It is not necessary to eliminate these two things altogether, but we should think more carefully about how we spend our money.
How to avoid impulse buying
- Never go grocery shopping when you are hungry.
- Shop only for what you need.
- Don’t wander down every isle, only go where you need to go. Make a list and stick to it; buy what you need and get out of the store!
- Consult a trusted person and wait twenty-four hours before following through on an impulse buy.
Number One Area of impulse spending is Eating out
- The issue is frequency. The average American eats out an average of four times a week.
- By eating out less frequently, we will have more money to save, to spend on more important things, and to give away.
If you were to simply prepare all meals at home, you’d move 4.2 meals from restaurants to your home. At an average cost of $12.75 per meal, you’d save yourself $8.75 for each of those meals. In other words, the average American would save $36.75 per person per week by moving all of their meals from restaurants to home-prepared meals. If we are eating out more than 4 times a week, we need to evaluate our lifestyle.
Clarifying Our Relationship with Money and Possessions
We do not exist simply to consume as much as we can and get as much pleasure as we can while we are here on this earth. We have a higher purpose. We need to know and understand our life purpose—our vision or mission or calling—and then spend our money in ways that are consistent with this purpose or calling.
Be clear about your purpose and calling.
Our society tells us that our life purpose is to consume—to make as much money as possible and then to spend it. The Bible tells us that we were created to care for God’s creation. We were created to love God and to love our neighbors as ourselves. We were created to care for our families and those in need. We were created to glorify God, to seek justice, and to do mercy. Our money and possessions should be devoted to helping us fulfill this calling. We are to use our resources to help care for our families and others—to serve Christ and the world through the church, missions, and everyday opportunities. We have a life purpose that is greater than our own self-interest, and how we spend our God-given resources reflects our understanding and commitment to this life purpose or mission.
Set worthy goals.
Being able to accomplish the greater purposes God has for our lives requires some measure of planning. Taking the time to set goals related to our lives and our finances is crucial if we are to become wise stewards of our God-given resources. Each of us should think about our life purpose and goals and then identify two short-term financial goals, two mid-range financial goals, and two long-term financial goals that are aimed at helping us accomplish our broader life goals. At least one goal in each category should relate specifically to our faith. (Suggestion: Use the bulletin insert “My Life and Financial Goals Worksheet” in 3. Communication Resources.)
The Discipline of Managing Your Money
Adopt/Review your budget and spending plan.
Once we’ve set some financial goals, we need to develop a plan to meet those goals. A budget is a spending plan that enables us to accomplish our goals. Some people use an envelope system to help them manage their saving and spending and stay on budget. Others use a variety of different approaches. Many people find it helpful to seek the advice of a financial advisor. For those who find themselves in the midst of a financial crisis, a financial counselor can help arrange terms with creditors and develop a workable financial plan. Whatever approach you choose, the important thing is simply to have a plan.
Follow six financial planning principles. (Ramsey Model or others)
The following financial planning principles can help us manage our money with wisdom and faith:
- Pay your tithe and offering first.
- Create a budget and track your expenses.
- Simplify your lifestyle (live below your means).
- Establish an emergency fund.
- Pay off your credit cards, use debit cards for purchases, and use credit wisely.
- Practice long-term savings and investing habits.
What can we do? Simple Truths:
- Seek God’s wisdom,
- Listen to the wisdom of those who are trustworthy,
- hold one another accountable* (See Goal Setting Worksheet)
- Remember we are created out of generous love and
- We are called to live generously
God, you know all about us, even when we don’t. We don’t know where every dime went, but somehow you know what we did with all that we had, last year and every other year. You don’t forbid us from having joy in our possessions; in fact, you delight in our having joy. But what you know is that simply acquiring more stuff isn’t where we find joy. Lord, forgive us for being wasteful, for being prodigal. Forgive us for leveraging our future in order to have pleasure in the present. And help us to be good managers of the talents that you’ve given us. Help us to be generous and willing to share, kingdom-minded and focused on accomplishing your purposes for our lives. In Jesus’ name. Amen.
My Life and Financial Goals
How would you define or describe your life purpose?
What are some goals that can help you achieve this life purpose?
What are some financial goals that can help support your life goals and purpose?
Short-term financial goals (next 12 months):
Mid-range financial goals (2–5 years):
Long-term financial goals (5 years to retirement):