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126 Sermon Illustrations on Money

126 illustrations Page 1 of 3

Money in Christian preaching is often portrayed as a test of faith and stewardship, highlighting the tension between earthly wealth and heavenly treasure (Matthew 6:19-21). Illustrations use images of jackpots, savings, giving, and the pitfalls of greed to show money's power to possess or serve, urging believers to view it through God's perspective and prioritize generosity and trust in Him (1 Timothy 6:10).

12 Marks of A Consumer Culture and Christian Responses

Amos 2:6

Brochure on stewardship with interesting fold-out on our Consumer Culture.

1. Commodification - everything has its price.

2. Insatiablity - enough is never enough.

3. Adoration of the unpossessed - we focus on what we don't have.

4. Winner Takes All - superachievers get most stuff, others get less.

5. Hecticity - we end up with a frenetic life.

6. Instant Gratification - we want pleasure NOW.

7. Debt - something owned is something owed.

8. Deprivation - we feel something important is being withheld from us.

9. Self-Absorption - our self-interests are more important than others'.

10. Devalued Vocation - our income is more important than spiritual calling.

11. Environment Abuse - our technology is dramatically changing God's earth.

12. Escalation of Needs - when consumer needs are met, new needs arise.

Biblical passages are given which counteract this consumer mentality.

Does Jesus Need the Dough?

Ernest Digweed died in 1976, leaving estate of 26,107 British pounds in trust to be paid to Jesus at Second Coming. He has to return in 80 years, or England gets it. But will Jesus have use for money? How will Jesus be identified?

from "I Believe In The Second Coming Of Jesus" · Stephen Travis via Kerux Sermon and Illustration Database second comingmoney

Contentment For A Poor Itinerant Preacher

Luke 10:7

In 1825, 18-year-old frontier preacher Elijah Goodwin wrote, "I did not think it was right to preach for money; still, I thought a little money was very convenient when it came to paying ferriage at the rivers. In traveling and holding protracted meetings [=revivals] with others, I learned that preachers who said the most against paying preachers received the most money for their labors. Perhaps this was because, in preaching this way, the attention of the brethren was directed to the subject. I never took any part in this kind of preaching, therefore got but little money."

On one journey he had 50 cents to buy feed for his horse, ate only 2 meals in 3 days and traveled non-stop.

At age 20, Elijah was called to preach a circuit that took him 600 miles every 8 weeks. "I was promised no salary," he wrote, "only the brethren said that I should not want." When his horse gave out on the first round, he was advanced $20 to buy another. "I, according to my promise, paid over all I had every time I came round," Goodwin recalled, "but was never able to lift the note till my last round, which left me without a dollar in my pocket!"

As a 33-year-old family man preaching thirty-five sermons a month on an eighteen-point, three-state circuit, Goodwin wrote about the "pitch-in plan" for support: "My family expenses from Jan 1, 1840, to Oct first amounted to $409.13; and my traveling expenses to $25.19, making, in all, $434.32. While the whole amount of contributions received was only $59.68, which fell short of my expenses $374.64, which may be regarded as my contribution to the cause of Christ during the ten months past. So much for the 'pitch-in no-plan' arrangement...."

One dark November night he lost his way in a dense forest. Unable to rouse dog or man by "hallooing," he decided to wait for morning. He wrote: "I made a bed of my saddle blanket, a pillow of my saddle, and a covering of my overcoat. I tied my horse, by the bridle, to my arm, so that if a bear or a panther should approach, my horse would become afrightened, and, by pulling at the rein, would arouse me. It was a pretty cold night. The first snow of the season fell during the night. I was near the Patoka [River] and could hear the rippling water as it rushed against the bank and over the drift-wood near me. As I lay there, I thought it was a great pity that all that sweet music was being wasted on the air, without an ear to hear it, or a human heart to enjoy it."

Lost in the woods, sleeping on the ground, covered with snow, underpaid, overworked - and content. Paul wrote, "I have learned to be content whatever the circumstances" (Phil 4:11b). Elijah Goodwin knew such contentment.

[rest of article focuses on modern pastors' salaries and attitudes] #333

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from Leadership Magazine · James Berkley via Kerux Sermon and Illustration Database moneystewardshiptithe

Giving Is the Acid Test

"One verse in every six in the first three Gospels relates, either directly or indirectly, to money. Sixteen of our Lord's forty-four parables deal with the use or misuse of money. A loving, joyful, liberal giving to the Lord's work is an acid test of a spiritual heart, pleasing to God."

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from Biblical Evangelist · William E. Allen via Kerux Sermon and Illustration Database tithe

"Spending: Mastering Your Money"

Acts 5:4

Christian finances in the family.

A God's-Eye View of Money.

1. Material things are God's blessing.

2. Man is an accountable steward.

3. We are responsible for others.

Getting A Grip on Finances.

1. Live below your income.

2. Establish priorities for the use of your resources.

3. Master your credit.

4. Learn to buy wisely.

from Discipleship Journal · Jake Barnett via Kerux Sermon and Illustration Database stewardship

Promoting Honesty After A Cash Spill

Acts 5:4

Rev. Jeb Stuart Magruder, jailed 7 months for Watergate and now a Presbyterian minister, is heading a campaign to promote honesty in Columbus, Ohio. Campaign was initiated when some 200 people converged on Interstate 71 moments after the rear door of a Metropolitan Armored Car Inc. truck swung open Oct. 28, 1987, dumping bags of cash onto the freeway. While Metropolitan officials and police have refused to say how much money was lost or how much has been returned, the Columbus Dispatch quoted sources as saying more than $1 million was lost. A Columbus man turned in nearly $57,000 the night of the spill that he said he found inside a bag on the freeway. [A bystander with a video camera took pictures of many of the participants.]

[see #823]

Possible version for sermon:

On October 28, 1987, the rear door of a Metropolitan, Inc Armored Car swung open on Interstate 71 in Columbus, Ohio. Bags of cash were dumped on the highway. Moments later, 200 people converged on the site. One person had a video camera and taped the free-for-all.

Company officials and police refused to say how much money was lost but sources indicated it was more than $1 million. One man turned in nearly $57,000 that he said he found in a single bag. He was about the only one who turned in cash.

The mayor was so upset he put together a campaign to promote honesty in Columbus. He really raised eyebrows with the person he chose to head the campaign: Rev. Jeb Stuart Magruder, a Presbyterian minister. Magruder had also spent 7 months in jail for crimes he committed during Watergate.

The campaign highlights citizens who act honestly. It has also borne some fruit. Two motel housekeepers returned a box containing $65,000; a man returned a wallet with $1,200.

from Coshocton Tribune via Kerux Sermon and Illustration Database stealingmoneygreed

Giving Our Best For God

Sermon for sanctuary dedication.

1. Weighing the expense of our sanctuary.

2. Why spend money on a church:

a. Use of money shows our priorities.

1. Contrast churches with sports stadiums.

b. Churches honor God, should cost us something.

3. Why churches can be lavish.

a. Temple was a work of art.

b. Gives us a glimpse of heaven.

c. Shows God's beauty and order. (contrast modern art)

d. Can be a witness for God.

e. Can be a place where we encounter God.

4. Our homes reflect our inner selves.

5. Our sanctuary reflects the congregation.

a. Respect for God's house.

b. Behavior in God's house.

6. God requires a special kind of worker.

a. Huram, Bezalel

7. A church building in God's perspective.

from Condensed sermon outline (handout) by Rev. David Holwick · Serm689g.pco via Kerux Sermon and Illustration Database worshipmoneyrespecthome

We Have God's Money Too!

Larry Cottam, a former Seventh-Day Adventist preacher, let his son starve rather than go on welfare. He had money in the bank but would not use it because it was God's tithe.

We also have God's money tied up in bank accounts when it could be out there meeting human needs.

[also see #687]

Too Proud To Ask For Help

Ex-Adventist preacher Larry Cottam, 39, let his son starve to death because he was too proud to ask for help. He faced murder charges for it. Cottam's response was, "I don't hold God responsible."

[see also #679]

They Blew Their Jackpot

Mark 10:28

Vic and Lillian Cooper (51,34) of Maltby, England, won $77,481 in a bingo jackpot. Four months later it was all gone and they have applied for welfare. "It may be a cold day in Hell before they get it, say welfare authorities." They spent $6,300 on a car, $7,200 on a vacation trailer, $7,200 on furniture, and $56,781 on miscellaneous (largely gifts for relatives and toys for their son Darren, 4). They are now $144 behind in rent and living on $49 a week, including a $13 government allowance and a previous loan.

"It's very difficult when you get money for the first time in your life not to go out and spend it," said Vic. "We used to look in the shop windows and never be able to afford anything."

Mom Sells Kidney To Buy Furniture

Turkish mom of two, divorced Hatice Anutkam, 37, sold a kidney to a man in England for $6,000. Five years' earnings for her. She feels it was worth it because she paid her debts and a year's rent, and bought a sofa, two rugs, a mirror and a dining room table. There have also been presents and toys for her two boys.

#778

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from Weekly World News · Susan Jimison via Kerux Sermon and Illustration Database lifemoney

Kids & Money

Luke 15:12

From "Investment Vision." Opens with a letter John F. Kennedy wrote to his father asking for more allowance; he had been getting 70 cents a week. Rest of article discusses what is a fair allowance and how to handle it.

from american baptist churches Handout via Kerux Sermon and Illustration Database moneystewardshiptithe

Patriotism Less Than Two Percent Deep

In 1894, when Congress was considering a tax of 2 percent on incomes of more than $4,000 (1 percent of the population), a wealthy New Yorker threatened to leave the country. A Nebraska congressman, William Jennings Bryan (The Great Commoner), said:

“Of all the mean [miserly] men I have ever known, I have never known one so mean [miserly] that I would be willing to say of him that his patriotism was less than two percent deep … If ‘some of our best people’ prefer to leave the country rather than pay … we can better afford to lose them and their fortunes than risk the contaminating influence of their presence.”

from Newsweek · George Will via Kerux Sermon and Illustration Database moneyrichgreed

Rich Wisdom: New Testament Teachings On Wealth

Mark 4:14

Series of important articles on New Testament and money.

Articles:

Hard Sayings of Jesus. [see below...]

Investing in What Lasts.

Enjoying Creation - Within Limits

Called to Share

The Christian Ideal

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Hard Sayings of Jesus:

1) Are Christians any different than non-believers?

a) Jesus has radical views on money.

b) Christians spend pretty much like everyone else.

3) Hard sayings of Jesus. [CT, 5/12/89, p.28]

a) Harder for rich than camel through needle's eye. Mt 19:16-30

b) Give up all to be my disciple. Luke 14:25-33

1> Not just willingness, but abandonment.

c) Treasure and heart, God vs. Mammon.

4) Balancing statements.

a) Rich believers in NT. Lk 19:1-10

b) Command to carry purses. Lk 22:35-36

5) Wealth creates a false sense of security.

a) We cannot avoid a continual tension.

"The Cross covers precisely the distance, for each of us, between what we

attain and what God demands - between our striving and our arriving."

b) How much to give away? More.

Rich Wisdom: New Testament Teachings On Wealth

John Wesley pushed the sensible formula on finances:

"Make all you can,

save all you can,

give all you can."

We appear to have concluded that two out of three isn't bad.

[see #2995 for more complete treatment of Wesley and money.]

#872

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If You Love God, You Should Love Paying Taxes

Ezra 4:13

What do taxes and religion have in common? Both require that we pay attention to the larger good. Authentic religious faith takes us out of ourselves to find that we belong to the whole human family. If your "family" is only as big as your spouse, your children, if any, your parents and a few other relatives, then I suggest your practical faith is quite shallow. If your "family" extends to some close friends, some "adopted" others, then your faith is a little deeper.... If your "family" extends to people who are different from you, different skin colors, different cultures, different sexual orientation, who worship differently, and even people you haven't been lucky enough to know yet, your faith is getting deeper.

If your "family" extends to all people of the earth, indeed all life forms, then your faith is moving toward a God's eye view of family. Then all children are our children. All elders are our elders. All suffering people

are our suffering.

When our family is that inclusive, and our faith is that profound, we see taxes in a very different way. Instead of seeing taxes as a burden, we would see them as a way of helping our brothers and sisters when they need us. The current frenzy to cut taxes, defeat school budgets and shrink government tells me many of us have lost our sense of ourselves as part of the larger family.

I think of taxes as tithing. It is one way that those of us who are fortunate to have more can help those who have less. Through our taxes we can pay for things good for all of us, that none of us could pay for by ourselves. Cutting taxes left and right hurts most those members of the human family who are least able to defend themselves. Notice how difficult it is to cut taxes for programs which benefit middle-class Americans, versus how easy it is to cut those which benefit poor children.

Dare I suggest that deeply religious people would gladly pay more taxes if it meant that our children - all our children - would suffer less?

________

Rev. Paul Ratzlaff is minister of the Morristown Unitarian Fellowship.

What Wesley Practiced and Preached About Money

Luke 12:15

John Wesley knew grinding poverty as a child. His father was the Anglican priest in one of England’s lowest-paying parishes. He had nine children to support and was rarely out of debt. Once John saw his father being marched off to debtor’s prison. When John became a teacher at Oxford University he was paid more than enough to live on. He spent his money on playing cards, tobacco and brandy.

While at Oxford, an incident changed his perspective on money. He had just finished paying for some pictures for his room when one of the chambermaids came to his door. It was a cold winter day, and he noticed that she had nothing to protect her except a thin linen gown. He reached into his pocket to give her some money to buy a coat but found he had too little left. Immediately the thought struck him that the Lord was not pleased with the way he had spent his money. He asked himself, “Will thy Master say, ‘Well done, good and faithful steward’? Thou hast adorned thy walls with the money which might have screened this poor creature form the cold! O justice! O mercy! – Are not these pictures the blood of this poor maid?”

Perhaps as a result of this incident, in 1731 Wesley began to limit his expenses so that he would have more money to give to the poor. He records that one year his income was 30 pounds and his living expenses 28 pounds, so he had 2 pounds to give away. The next year his income doubled, but he still managed to live on 28 pounds, so he had 32 pounds to give to the poor. In the third year, his income jumped to 90 pounds.

Instead of letting his expenses rise with his income, he kept them to 28 pounds and gave away 62 pounds. In the fourth year, he received 120 pounds. As before, his expenses were 28 pounds, so his giving rose to 92 pounds.

Wesley felt that the Christian should not merely tithe but give away all extra income once the family and creditors were taken car of. He believed that with increasing income, what should rise is not the Christian’s standard of living but the standard of GIVING. This practice, begun at Oxford, continued throughout his life. Even when his income rose into the thousands of pounds sterling, he lived simply, and he quickly gave away his surplus money.

One year his income was a little over 1400 pounds. He lived on 30 pounds and gave away nearly 1400 pounds. Because he had no family to care for, he had no need for savings. He was afraid of laying up treasures on earth, so the money went out in charity as quickly as it came in. He reports that he never had 100 pounds at any one time.

Wesley limited his expenditures by not purchasing the kinds of things thought essential for a man in his station of life. In 1776 English tax commissioners inspected his return and wrote him the following: “[We] cannot doubt but you have plate for which you have hitherto neglected to make an entry.” They were saying a man of his prominence certainly must have some silver plate in his house and were accusing him of failing to pay excise tax on it. Wesley wrote back, “I have two silver spoons at London and two at Bristol. This is all the plate I have at present, and I shall not buy any more while so many round me want [need] bread.”

Wesley’s guidelines on money: [see #872]

1. Gain all you can. Money can be used for good. But do not thereby damage yourself, others, or the environment.

2. Save all you can. Two reasons were not to waste money, and not to increase desires.

3. Give all you can. Giving begins, but does not end, with the tithe.

Four Scriptural principles on spending:

a. Provide things you and your family need. 1 Tim 5:8

b. Have food and clothes and be content. 1 Tim 6:8

c. Do what is right in the eyes of everyone. Owe no debt. Rom 12:17; 13:8

d. Do good to all men. Gal 6:10

In giving these four biblical principles, Wesley recognized some situations were not clear-cut. He accordingly offered four questions to help his hearers decide how to spend money:

1. In spending this money, am I acting like I own it, or am I acting like the Lord’s trustee?

2. What Bible verse requires me to spend this money this way?

3. Can I offer up this purchase as a sacrifice to the Lord?

4. Will God reward me for this expenditure at the resurrection of the just?

In 1744 Wesley wrote, “When I die if I leave behind me ten pounds… you and all mankind can bear witness against me, that I have lived and died a thief and a robber.” When he died in 1791, the only money mentioned in his will was the miscellaneous coins to be found in his pockets and dresser drawers. Most of the 30,000 pounds he had earned in his lifetime he had given away. As Wesley said, “I cannot helping leaving my books behind me whenever God calls me hence; but in every other respect, my own hands will be my executors.”

[Adapted from Leadership magazine, Winter 1987. See also #872]

Money, Money, Money!

Mark 10:17

Sermon on earthly vs. heavenly treasure. Possessions rust away, possess us and replace God. Christians need to be obedient to God's instructions on money.

Man, That's Living!

Tony Campolo: A rich person in California was buried propped up in her sports car with sunglasses on and a scarf around her neck. The crane operator who was lowering the car into its concrete vault was heard to exclaim, "Man, that's living!"

Heaven Cannot Be Bought

Luke 19:1

A Texan who had made a fortune (in oil?) but neglected God all his life visited a pastor and told him of his spiritual neglect, then offered a $100,000 contribution. The pastor immediately offered him the "right hand of fellowship." However, heaven cannot be bought.

"Money: If God Owns It All, What Are You Doing With It?"

Luke 16:1

Money is important topic in the Bible (John McArthur gives statistics on

references in Bible). It is an accurate barometer of our commitment to

Christ.

Four basic Biblical Principles:

1. God owns it all.

a. God has the right to whatever He wants whenever He wants it.

b. Not only is my giving decision a spiritual decision, but every

spending decision is a spiritual decision.

2. God uses money in our lives.

a. As a tool.

b. As a test.

3. The amount is not important.

4. Faith requires action.

#1021

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Shifting Into the Future Tense

Luke 14:28

Future trends in America that churches will have to face:

1. Erosion of the middle class. (Economic uncertainty ahead)

2. Epidemic of autonomy.

3. Polarization of young and old.

4. Cross-cultural conflict.

5. Ecology.

Pay Cash For Your House

Discusses ways to buy a house without long-term crushing debt. Secret is to start in a smaller house and save the difference, then plow that into a bigger house. A biblical view of debt and savings is applied.

from Discipleship Journal · E. Calvin Beisner via Kerux Sermon and Illustration Database debthome

Exorcizing Your Finances

Mark 3:27

Robert Tilton is latest ratings favorite among TV evangelists.

Newsweek quote:

"Satan, you demonic spirit, I bind you in Jesus' name.

Loose those finances.

Mountain of bills, be thou removed.

Be cast into the sea.

Go. Go. Go.

La-ba-sue."

Profound Thoughts of Kids

A newspaper ran a contest asking kids for their profound thoughts (akin to the old “Deep Thoughts” segment on Saturday Night Live). Here are some submissions:

“I believe you should live each day as if it is your last, which is why I don’t have any clean laundry because, come on, who wants to wash clothes on the last day of their life?” (Age 15)

“Give me the strength to change the things I can, the grace to accept the things I cannot, and a great big bag of money.” (Age 13)

“Democracy is a beautiful thing, except for that part about letting just any old yokel vote.” (Age 10)

“For centuries, people thought the moon was made of green cheese. Then the astronauts found that the moon is really a big hard rock. That’s what happens to cheese when you leave it out.” (Age 6)

“As you make your way through this hectic world of ours, set aside a few minutes each day. At the end of the year, you’ll have a couple of days saved up.” (Age 7)

“If we could just get everyone to close their eyes and visualize world peace for an hour, imagine how serene and quiet it would be until the looting started.” (Age 15)

________

From a newspaper contest where entrants age 4 to 15 were asked to imitate “Deep Thoughts By Jack Handy”

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[Original illustration at this number was deleted for being obsolete]

Money: Do You Know What It Really Is?

Luke 3:14

What’s money? Are you kidding? Everyone knows what money is, don’t they? Sure. It’s that green paper stuff you hand over to someone else in exchange for a meal, or a new blouse, or maybe to pay rent on your apartment.

So, what is this -- some kind of test? Maybe it is, because money is more than a medium of exchange. It compels some people to do things that they really don’t intend to do. And money can reveal attitudes about you that might make you uncomfortable -- things that are important for you to understand.

Maybe the best way to answer the question “What is money?” is first to determine what money is not.

Money is not:

• A component of your self-worth. Although you might not know it from the way many Christians think or behave, we don’t acquire our self- worth based on the amount of money we accumulate or have the ability to make. For the Christian, self-worth is found in Jesus Christ.

• A reward for right living. If money is some sort of prize for right living, then what about those dishonest rascals you know about who are so rich? Furthermore, if right living provides wealth, whatever happened to Mother Teresa’s bank account?

• A guarantee of contentment. Who hasn’t thought, “If I could just make (fill in the blank) dollars more, I could be happy and content.” That was probably some time ago. Now, here you are making that much (maybe more) and spending more. Then why aren’t you content?

• A measure of success. You might have accumulated enough money to own a big car, live in an oversized house and wear fine clothes ... but you have no time for your family. So, that’s what you call success?

Well, if that’s not what money is, then what is it?

Money is used by God:

• As a tool to teach you things. If you’re in deep debt, are you learning? Have you opened yourself to receive God’s blessings by practicing his biblical financial principles, freeing yourself from debt bondage, and by giving to his work?

• As a test of where your true love is centered. Jesus reveals the test by saying, “If you have not been faithful in the use of unrighteous wealth, who will entrust the true riches to you? And if you have not been faithful in the use of that which is another’s, who will give you that which is your own? No servant can serve two masters; for either he will hate the one and love the other, or else he will be devoted to one and despise the other. You cannot serve God and wealth” (Luke 16:11-13).

Jesus didn’t say you shouldn’t serve both or that you aren’t a nice person if you don’t serve both. Jesus says you absolutely, definitely, positively cannot serve both money and God. Have you made your choice?

• As a testimony of what is most important to you. Money can help you show the world that you are different because of God. You are not to consider yourself better, but you are different than the world. And you need to live like it.

So, don’t forget what money really is. And remember whose you are and that you can’t serve both God and money. It’s your call.

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[Original illustration at this number was a duplicate of HolwickID #11155]

[Quotes on “Thoughts” was added to #5044]

"Love of Money"

Mark 10:28

Many people think money is security, but 1 Timothy 6:9 warns that it can be just the opposite. A few years ago, columnist Jim Bishop reported what happened to people who won the state lottery:

Rosa Grayson of Washington won $400 a week for life. She hides in her apartment. For the first time in her life, she has "nerves". Everyone tries to put the touch on her. "People are so mean," she said. "I hope you win the lottery and see what happens to you."

When the McGugarts of New York won the Irish Sweepstakes, they were happy. Pop was a steamfitter. Johnny, twenty-six, loaded crates on docks. Tim was going to night school. Pop split the million with his sons. They all said the money wouldn't change their plans.

A year later, the million wasn't gone; it was bent. The boys weren't speaking to Pop, or each other. Johnny was chasing expensive race horses; Tim was catching up with expensive girls. Mom accused Pop of hiding his poke from her. Within two years, all of them were in court for nonpayment of income taxes. "It's the Devil's own money," Mom said. Both boys were studying hard to become alcoholics.

All these people hoped and prayed for sudden wealth. All had their prayers answered. All were wrecked on a dollar sign.

Conning Your Way Into Heaven

Luke 16:1

Sermon in Parables series. Luke 16:1-13

CONNING YOUR WAY INTO HEAVEN

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I. The "perfect" crime.

II. Summary of the parable of the Dishonest Manager.

III. Two main interpretations.

A. What manager does is kosher and legal.

1) He is cutting interest on loans.

2) Variation: manager is cutting his own commissions.

3) Problems: too complicated, cuts his own throat.

B. What the manager does is crooked. (Traditional view)

1) He is cheating the owner.

2) Problem: why would landowner (or Jesus!) commend stealing?

3) Main point: act shrewdly because a catastrophe is coming.

IV. What Jesus does with the parable. 16:9-13

A. Lie, cheat and buy your way into heaven? 16:9

B. Our use of money shows our spiritual priorities. 16:11

C. Our use of money shows where our true loyalty lies. 16:13

V. What would YOU do if your firing was imminent?

A. Most of us can relate to stories of financial catastrophe.

B. What about spiritual catastrophe?

1) Every single one of us faces a decision for Jesus, or

2) To decide for him, priorities in our lives must change.

3) Where do you stand with Jesus? #2116

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from Condensed sermon outline (handout) by Rev. David Holwick · Serm92s.pco via Kerux Sermon and Illustration Database cheatingmoney

To Preach Or Ponder

Acts 3:6

Money can buy...

a bed, but not rest

food, but not satisfaction

luxury, but not contentment

stocks, but not security

a house, but not a home

a church, but not a mission

But what money cannot buy, God offers as a free gift.

Anonymous

"I don't like money actually, but it quells my nerves." Joe Lewis

"When I was young, I used to think that money was the most important thing in

life; now that I am older I know it is." Oscar Wilde

"Happiness is not based on money. And best proof of that is our family."

Christiana Onassis

The total 1989 U.S. credit card debt totaled $206.7 billion.

(1991 Statistical Abstract of the US.)

[In 2019 it hit $930 billion!]

from Input? via Kerux Sermon and Illustration Database happiness

Sermon: Finances and Your Family

Luke 14

Sermon in Family Series.

Deuteronomy 28:2-13

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FINANCES AND YOUR FAMILY

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I. The guilt of Christmas shopping.

II. Make an honest living. 2 Thessalonians 3:12

A. Don't rely on the government to bail you out.

B. Don't rely on gambling and get-rich-quick schemes. Prov 28:19

C. Provide for your family by doing something fulfilling and useful.

III. Count your costs. Luke 14:28-30

A. Anticipate the expenses of living. Prov 31:16,18

B. Don't spend all you make.

C. Don't go in debt for expendables. Romans 13:8

D. Debt makes you dependent.

IV. Plan your savings.

A. Be methodical like the ants. Prov 6:6-8

B. Invest wisely - Parable of Stewards. Matthew 25:14-18

V. Finances and Priorities.

A. World tries to maximize income, at any expense.

B. Christians must balance other priorities.

VI. Rejoice in what God has given you. Phil 4:11-13

A. Being content in all situations.

B. Our contentment comes from God, not possessions.

C. The best things in life are FREE. Isaiah 55:1-6

from Condensed sermon outline (handout) by Rev. David Holwick · Serm92zs.pco via Kerux Sermon and Illustration Database moneydebt

Life, Liberty, and the Pursuit of Just A Little More

Luke 12:15

Rich and poor alike can be obsessed with having more and having it NOW.

1. Money is the number one obsession in America.

a. The struggle with materialism.

b. Too much care for the world.

c. Not possession, but obsession.

2. Warning signals, but no formulas.

a. Loving, longing, losing.

3. The cure is contentment.

a. How many necks do you have?

b. No overnight contentment.

The Cash Clash

Luke 12:15

The giver thinks the saver is stingy. The saver thinks the giver is shortsighted. Who's right?

1. Facing up to money problems.

a. Savers vs. spenders.

b. Sensors and intuitors.

c. How should we view money?

2. Building financial harmony.

a. Never try to work through money problems while angry.

b. Always try to understand your spouse in money fights.

c. Read about what other people have tried.

d. Take time to discuss and thoroughly understand your finances.

e. Set aside a monthly amount for personal spending.

f. Let the books be open.

g. Make mutual decisions.

h. Adopt a working plan, priorities, and an outline for the future.

i. Recognize your strengths and weaknesses.

j. Learn to live within your means, have something left to give.

k. Seek guidance from God.

Financially Free

Luke 16:10

Is money your master?

1. The Principle of understanding money.

We need to learn how finances work.

2. The Principle of design.

Have you ever heard people say, "I just don't know where my money

goes?" We don't know because we don't look. We don't look because

we don't want to know. We have to learn how to assess and manage

our money.

3. The Principle of understanding debt.

Americans save less than 2% of their income, and write one million bad

checks daily.

With discipline we can get out of debt and stay out.

4. The Principle of contentment.

Financially free people are not obsessed with getting more money.

"How much is enough? Just a little more" is how Ron Blue describes

greed.

Contentment is its own form of richness.

5. The Principle of generosity.

Financially free people are usually generous.

Giving should not be from the meager leftovers of our budget.

6. Break free.

[Sidebar article has a "financial bondage" test, and a financial stress test.]

How I Tamed the Money Monster

Luke 7

A step-by-step look at how one person brought chaotic finances under control. Anne Elhajoui started out with only rudimentary financial rules (one credit card) and ended up going to a credit company, which straightened her out. A tight daily budget was necessary. She also had a mentor at the credit company.

from Discipleship Journal · Anne Meskey Elhajoui via Kerux Sermon and Illustration Database moneypovertydebt

G. K. Chesterton On Satisfaction

Job 36:11

G. K. Chesterton on satisfaction:

"There are two ways to get enough. One is to continue to accumulate more; the other is to desire less."

from "Let's Talk" · Robert H. Roberts via Kerux Sermon and Illustration Database greedmoneysatisfaction

Why Smart People Make Major Money Mistakes

Luke 7:31

Mental blind spots can lead you into financial blunders. Here's how to think clearly about money.

1. We fear loss more than we should.

Sunk-cost fallacy - paying for an item makes us reluctant to waste it.

Loss aversion - people place about twice as much significance on a

loss as they do on a gain.

2. We ignore inflation.

3. We think everyone else is an expert.

4. We are overconfident.

5. We hear only what we want to hear. (Hear different perspectives)

6. We value some dollars less.

People are more willing to take risks when they perceive that they're

gambling with someone else's dough. A buck should be a buck. Credit

cards are especially dangerous here - in an experiment, credit card

bids for Celtics tickets were twice as high as cash bids. "The longer

you hold on to money, the more likely you are to consider it really

yours." [used 7/21/96]

7. We resist change.

Choice conflict - people feel uncomfortable facing too many options.

Status quo bias - people prefer to maintain the present situation when

faced with too many options.

8. We bite off more than we can chew.

Do not confuse a big deal with a good one. A three-course meal for

$18 may be better than all-you-can-eat for $22.

His Search of the Scriptures Yielded Investing Principles

Luke 12:15

Christian financial adviser Gary Moore spent more than 15 years keeping pace with the daily fluctuations of Wall Street. But after the stock market crash in the fall of 1987, he came to realize money, upward mobility and other elements of the “American Dream” were unable to provide security and happiness.

That sent Moore on a biblical quest for insight which resulted in “The Christian’s Guide to Wise Investing.” One of the most important things he discovered in researching the Scriptures, he said, was God didn’t want 10 percent of his money — he wanted 100 percent.

“I also discovered that I could have avoided 90 percent of my investing mistakes over the years if I had spent a little more of my time reading Proverbs, Ecclesiastes, Luke and James,” he wrote in his book. “Proverbs and Ecclesiastes not only provide wise, perceptive, assuring and frank guidelines on the subject, but also prove that God addressed the subject of money and security very early in the history of the faith.” Among the verses he cites are Proverbs 1:33, 15:6, 20:21 and 28:20, and Ecclesiastes 5:10-12 and 11:1-2.

The author of these two books, Solomon, compares the pursuit of wealth to chasing the wind, he said, something proven by a survey of wealthy individuals. Although respondents had an average income of $194,000 and assets of $750,000, two-thirds felt guilty about being affluent and 40 percent did not feel financially secure. That is why it is so important for Christians to bring their lives, including financial planning, into conformity with biblical principles, Moore said.

“Most of the problems investors face can be attributed to one thing: self-centeredness,” he said. “Two hundred years ago, Adam Smith, the father of modern economics and a professor of moral philosophy, said that self-interest could be good for all of a society if it was enlightened by moral values. If not, self-interest could destroy a society.”

Christ wants people to place their trust in him, Moore added, not in savings, investments, institutions or governments. However, since God gave his children a role in cultivating his resources, he said, Christians should be concerned with earning financial returns that can benefit the Lord’s work.

For believers who want to multiply resources, he outlined these seven investment principles, which he said will keep use of money prudent but productive:

1) All investments involve risk.

The higher the promised return the greater the risk, including certificates of deposit and bonds. “Advertising, media listings, banks and brokers have successfully trained modern Americans to seek the greatest promises. Far, far too few of these mention little or anything about the risks involved.”

2) If it looks too good to be true, it is.

The largest single obstacle to investing success today, he said, is that there are too many ways to make average investments look very attractive; the best returns usually don’t come from the top of the lists offering the highest promised returns.

3) Be skeptical but not cynical.

While greed and corruption exist in the worlds of insider trading, junk bonds, penny stocks and commodity pits, most of these are far removed from the domain of conservative investors, he said. If investors stick to productive, conservative areas, Moore said, they will be safe.

4) What goes up will assuredly come down, at least for awhile.

Successful investors combine a faith in the future with a respect for, and acceptance of, the downs along the way, according to Moore. Thus, he said, those who spend time trying to predict the future would do better evaluating why successful investors make money year after year.

5) Fear and greed may drive Wall Street, but they shouldn’t motivate Christians.

“Scripture teaches that we are to free ourselves from fear of the future and from greediness,” he said. “We should be productive and prudent with money. Our investing will benefit greatly by remaining confident yet conservative.”

6) If everyone is doing it, it’s wrong.

“The hardest thing to learn about investing is that following the crowd never works,” Moore said. Christians have always been called upon to be different from the world and “faith will help you practice this principle, and your investing will benefit.”

7) Keeping faith with others is good business.

“Socially responsible investing should be the cornerstone for any Christian who handles money,” he said. Moore noted a national study showed over a 30-year period that investing in companies with a written code of principles returned nine times more than a composite of Dow Jones stocks.

__________

Copyright (c) 1995 Baptist Press

RNbp5A19mrjB5A19e5A23

Selling God In America [1/2]

Amos 8:5

Christians have befriended Mammon.

A friend who visited Japan recently told me how aghast he was to see a Shinto shrine cluttered with Shinto trinket-sellers and teeming with Shinto bric-a-brac for sale. This cheerful mix of religion and money-grubbing grated on his liberal sensitivities, and his first instinct was to blame this exhibition on the baleful influence of American commercialism. But it turned out, on investigation, to have nothing to do with Western influences. In fact, that particular shrine, and others like it, had been selling religious goodies from time out of mind, and without any flicker of guilt for turning Shinto into an object of purchase. What turned out to be really exceptional in this encounter was not the commercialization of the shrine but my friend's instinctive conclusion that this commercialization was both appalling and unnatural. Only someone from a thoroughly Christianized culture, I told him, would have been upset.

Christianity has long policed a great dualism (and, I think, a healthy one) between the sacred and the secular. Some things are defined as "holy to the Lord" and cannot be redefined or reused for other purposes, while other things, such as the meats offered to idols that the apostle Paul describes in 1 Corinthians, are not holy and can be sold or consumed without concern. Unfortunately, while the exact location of this boundary line is easy to draw in theory, it is often difficult to outline in specifics, especially when the pressures of self-interest and rationalization are turned loose. Simon Magus, bargaining for the power of God for money, was ruled out, while meats offered to idols could not be holy and could therefore be sold or consumed without transgression; but fifteen hundred years later, Martin Luther's nemesis, Johan Tetzel, could offer remission of sins for a few gulden, and meats could not be consumed on Fridays or feast days under threat of a lengthy cruise in purgatory.

Genuine Christianity has always raged against this boundary shifting, but the success of that rage has usually rested on a certain unspoken consensus about what really was, and wasn't, holy. And whenever that consensus has wavered, as it did during the Reformation, commercialism has usually turned up to take advantage. Commercialization is a loaded (and usually negative) term, and it really involves two processes: commodification (stripping an object of all other values except its value for sale to someone else) and marketing (inserting the object into a network of carefully rationalized exchanges of goods). Until the 1700s, commercialization was pretty well limited to commodification since large-volume market networks scarcely existed throughout much of Christian Europe. But with the creation of the first European colonial empires, and even more with the creation of mass industrial production, cheap transportation, and communications in the early 1800s, the marketing of commodities took on a relentless and carefully calculated life of its own.

The pressure to commercialize -- to turn things into commodities and then market them -- was particularly difficult for Protestants to resist, since so much of the Protestant Reformation was geared toward denying the holiness of many things that the church over the centuries had endowed with "holy" meanings, such as the priesthood, wafers, candles, monasteries, and so forth. Once the Reformers removed the protection of "holiness" from these things, secular rulers and merchants often wasted little time in commodifying them (the biggest example being Henry VIII's suppression of the English monasteries, and the subsequent sell-off of everything in them, down to the lead in the roofs). The state churches that the Reformers created in the 1600s could, of course, keep this process under control by officially drawing new lines around what things were now "holy." But what might happen in an environment where government-run churches no longer existed? And what might happen when the emergence of long-distance, rationalized marketing added new pressures to the commodification of religion?

BIBLE PROFITS

The first of those uncomfortable scenarios took shape in America, where state-established Christianity never got much beyond a foot in the door; the second kicked in at the close of the 1800s, just as the American Republic was beginning its political life. The story of what happened as a result-the commercialization of Christianity itself -- is the substance of these three new books, whose near-simultaneous appearance creates an oddly linked commentary on God and Mammon in America.

R. Laurence Moore's "Selling God: American Religion in the Marketplace of Culture" certainly leads the pack in terms of its visibility (Moore is already on the TV talk-show circuit and was the subject of a recent Yale University colloquium), but Peter J. Wosh's history of the founding of the American Bible Society (ABS) and Frank Lambert's reinterpretation of the methods and personality of the eighteenth-century evangelist George Whitefield fill in a crowded canvas of crassness and hucksterism. Taken together, these stories are liable to appall us in the same way my friend was appalled by Shinto hucksterism.

Wosh's "Spreading the Word: The Bible Business in Nineteenth-Century America" is the sleeper of the three. Although featuring a less compelling cast of characters than Moore or Lambert, Wosh has the best-organized and most morally depressing tale to tell. He begins in 1816 with the original organizers of the ABS, a core group of evangelical merchant laymen drawn largely from the Reformed churches of New York City. Full of self-denying patrician benevolence and republican virtue, the ABS's founders instituted the society as a public volunteer charity with the goal of providing simple, unadorned copies of the Bible "without note or comment" to the American people.

They attempted to do this, however, at a moment of immense economic change in American life, when the American economy was being hooked into the broad and relentlessly rationalized networks of British-dominated markets. The merchants who founded the ABS could not remain unattracted by the success and influence of British commerce, particularly its highly rationalized and unsentimental pursuit of material profit through ever more-efficient forms of organization, production, and distribution. And so the small-scale volunteerism of the ABS quickly yielded to pressure to absorb into its management the larger patterns of market structure and function.

The ABS managers moved, for example, to abandon the society's reliance on part-time evangelists as its regional agents, largely because the evangelists concentrated too much of their energies on evangelizing rather than promoting the sales of Bibles and wrote long, baggy letters about the triumph of the gospel while paying too little attention to keeping adequate records of stock and the movement of funds from regional Bible societies to the home office in New York. It went without saying, too, that the part-timers were usually younger men, fresh out of Andover or Yale, whose real aim was to move on to full-time ministry rather than a career in retail sales. By the 1850s, the ABS managers had junked the evangelists and turned instead to a rationalized system of paid professional agents who were more concerned with the bottom line of the Bible business than with soul winning.

By contrast, the ABS's original efforts at unalloyed benevolence -- missions to seamen and immigrants -- failed miserably and were allowed to drift off the horizon by the 1860s. But far from regretting the loss of evangelical effort, the managers kept on quietly eliminating any activity, even for the most minimal evangelical ends, that might distract the society's agents from the pursuit of Bible sales. When Southern slaveholders grew suspicious of the activities of the ABS's Northern -- born Calvinist agents -- not to mention the uncontrolled distribution of the Bible, with those annoying bits in Exodus -- the managers' first fear was how the loss of slaveholder confidence might split the ABS's financial base. With one consent, they all began to make excuses and knuckled under to slaveholder demands (it did no good: Southerners eventually organized their own Bible societies to make sure the Bible got into the right hands).

But it was not only the abs that changed; the Bible it sold changed, too, though in more subtle ways. The original unadorned editions of the King James Version marketed by the abs through the 1830s ran into serious competition from other New York publishers-chiefly the Methodist Harper Brothers -- who produced the Bible in a variety of pictorial, illustrated, fancy-gilt, silver-clasped, Dore-engraved editions. The new Bibles, in other words, ceased to be mere vehicles of divine revelation and became commodities, to be compared and prized as much for what they revealed about the status and wealth of their purchasers as for their message, and the ABS rushed to issue the same.

By the 1870s, the chief mark of the society's success was not the number of Bibles it had distributed -- much less the souls redeemed through reading them -- but the fabulous new headquarters building it erected on Astor Place. Thus, the story Wosh tells (and with a perfectly poker-faced intensity) is how Mammon, in the form of nineteenth-century commercialization, corrupted the evangelical intentions of the ABS's founders. "By the late nineteenth century," writes Wosh, "the ABS had forfeited its role as social critic, abdicated its responsibilities as part of an international Christianizing force, and subordinated its missionary impulse in the interest of managing a successful business concern." (The ABS, it should be noted, still exists, having undergone significant changes since the period surveyed by Wosh.)

RELIGION AS CHOICE

Frank Lambert's study of George Whitefield pushes the arrival date for the commercialization of evangelicalism back into the middle of the eighteenth century. Lambert begins by showing how Britain, emerging victorious in the 1700s from its century-and-a-half struggle with Spain, the Netherlands, and France, created not only a colonial empire but also a new "superhighway" for the international exchange of commodities. Britain had long been a remarkably open-ended environment for low-intensity commodity dealing, but the creation of a British empire, centrally organized and governed from London, sparked a market revolution and saturated distant British colonies (like those in America) with an unprecedented and alluring flood of cheap commodities.

Placing Whitefield squarely in the stream of this market revolution, Lambert explains how Whitefield was able to exploit the new-found potential of mass- produced and mass-distributed books and newspapers to promote himself and his preaching as no English-speaking preacher had been promoted before. Relying on the skills of William Seward (significantly, a converted stock jobber), Whitefield turned himself, like everything else in this market revolution, into a marketable commodity through a barrage of cleverly coordinated publications, disingenuous letter writing, and commercial newspaper advertising, and then used the long reach of imperial markets to offer himself simultaneously throughout the British Isles and British North America.

Lambert thus sets himself clearly against Harry S. Stout's recent biography of Whitefield, "The Divine Dramatist," which found the great evangelist's chief attractiveness in his sentimental oral performance skills, rather than his canny self-marketing angles. But Lambert treats Whitefield's magnificent preaching moments largely as a means toward promoting his printed commodities; after all, every oral preaching tour of Whitefield's led to some sort of confrontation with "Old Light" church authorities, and those confrontations in turn enhanced the appeal of Whitefield's books and pamphlets and of the papers that published news of him. Indeed, these confrontations turned ordinary Anglo-Americans into religious consumers, in the sense that they were now freely invited (for the first time in Western history) to choose which religious commodities they preferred, the Old Light stodgies or the new-improved-Light.

However, Lambert's book is much less of a complaint about this process than Wosh's; in fact, Lambert celebrates Whitefield as a pioneer in evangelistic strategies, in the use of commercial advertising and distribution, and in the creation of what Jurgen Habermas has called a "public sphere" in which a rational public was invited to make decisions on the basis of persuasion and rationality rather than tradition or force. But there is still a note of regret: Lambert points out that Whitefield himself was never personally comfortable with marketing himself and his message, and he remained ambivalent toward "the spreading consumer market."

He had good reason. The market revolution was feared by the Old Guard as well as by the Old Lights in the eighteenth and nineteenth centuries because of the great power it had for smashing doddering aristocracies, ripping away the coverings with which hereditary incompetence protected itself, and dumping its own chieftains from their thrones the moment they got too comfortable or too outrageous. In the process of commodifying well-nigh everything, the pioneers of marketing undermined authority, thwarted the restraints of tradition, and threw onto individuals the burdens once borne by whole communities.

[see #3666]

from Online Christianity Today (America Online) · Allen C. Guelzo via Kerux Sermon and Illustration Database charity

Selling God In America [2/2]

Amos 8:5

Continuation of article on Christianity and money...

REINVENTING CHRISTIANITY

It is difficult at certain historical moments to know whether we should laugh or cry at the spectacle. When we come to Laurence Moore, however, the choice is clear: we laugh. While Moore agrees with Lambert in placing the origins of the market revolution in the 1700s, he is closer to Wosh in dating its impact on American religion to the beginning of the 1800s. Only for Moore, it was not so much commercialization as the political fact of religious disestablishment in the new republic that forced American Christianity to begin selling itself as a commodity. The refusal of the national government to endorse a single denomination left all denominations free to flourish; and to flourish, they had to compete, with each other and with secular rivals, for numbers and money.

Moore finds the most obvious examples of the growth of religious commercialization in the way evangelicals, above all others, bid for public attention and loyalty through the commodification and mass marketing of religion in books and the increasing use by preachers of what had before been considered "immoral" forms of oral entertainment (principally the techniques of the theater).

But Moore notes that the spawn of nineteenth-century cult movements -- from Christian Science to Mormonism -- also converted themselves into a form of public entertainment by offering miraculous healings, exotic sexuality, and homeopathic health foods as a means of recruiting customers. And twentieth- century religious liberals proved no less eager to sell themselves as marketable commodities through radio and television advertising, and corporate management philosophies. By the time Moore arrives at the televangelists, we are prepared to acknowledge that Swaggart and Bakker are no new thing; the social gospelers, the YMCA, and Parson Weems had done it all before.

Even though Moore's book includes the most bizarre and execrable versions of the gospel-according-to-money, and even though his is the most frankly secularized voice of the three, Moore is the furthest from beating his breast about corruption and decline. Far from pronouncing jeremiads against selling God down the commercial river, Moore is impressed with the "skill" with which religious leaders rose to the challenge of commercial culture, pioneered innovative ways to commodify, package, and sell their message, and successfully reinvented Christianity to keep it a major player in the fluid and competitive "public sphere" of a political and social democracy. Whether what they reinvented is still recognizable as Christianity is a question Moore deliberately refuses to engage.

He also coyly refuses to address another troubling aspect of this process: how prominently and eagerly the laity, and not the clergy, led the way toward commercialization. The clash of fundamentalists and modernists over the last century has inclined most evangelicals to blame untrustworthy and worldly shepherds for the gradual apostasies of their flocks, but in this case, what Moore, Wosh, and Lambert reveal is that the sheep -- in the form of the merchant managers of the ABS, Whitefield's promotion team of William Seward and Benjamin Franklin, or the YMCA -- have usually been in front, leading reluctant and uncooperative shepherds down to the groves of Mammon.

A CURRENT OF RESISTANCE

At the same time as he presents these problems, Moore is reluctant to allow the critics of American religion to get too much out of them. Although his ironic compliment to religious marketing seems perfectly honed to add to the litany of complaint about the radio and television empires "the new Christians" have built out of the alienation and anxieties of their customers, the conclusion of his argument deliberately swipes back at the skeptics. After all, most of the condemnations of evangelical telemarketing spray across the pages of newspapers and magazines, which, as Moore reminds us, are just as much the vehicles of commercial marketing as televangelism. I have never heard any of the critics of "the new Christians" complaining that their book was marketed too aggressively, or found any of them so high-minded that they would object to making tidy, carefully counted profits from the commodification of their ideas by trade publishers. Ironically, what pacifies the secular critics in their own self-commodification is the uncritical assumption that what they do is only to be expected, whereas Christians are supposed to be something else, something on the other side of the boundary line between secular and holy.

And on that point, these books may prove them right. In all three, a subliminal current of resistance to commodification eventually emerges, whether in the form of Whitefield's "ambivalence" or the ABS's stubbornly evangelistic agents -- a resistance that exists as a permanent fixture in the evangelical mind. As my friend's experience with Shinto underscores, commodification is almost instinctual to many other religions; for Christianity (and even for "cultural" Christians), any part of the project automatically provokes suspicion and skepticism, and commodification has to be introduced gingerly, amidst a bodyguard of rationalizations. The real story of religious commodities may be not how greedily evangelical Christians have peddled them, but how reluctantly.

So perhaps the old wisdom still stands; that secular and sacred do inhabit two realms, and wisdom lies not in pretending that the one should efface the other, but in the constant careful negotiating and policing of the boundary. If there is something hopeful in these stories, then it may lie, not in the measure of our retailing successes, but in our worry about them.

=========================

"Selling God: American Religion in the Marketplace of Culture," by R. Laurence Moore (Oxford, 317 pp.; $25, hardcover).

"Spreading the Word: The Bible Business in Nineteenth-Century America," by Peter J. Wosh (Cornell, 261 pp.; $35, hardcover).

"'Pedlar in Divinity'": George Whitefield and the Transatlantic Revivals," by Frank Lambert (Princeton, 231 pp.; $24.95, hardcover).

***********************

Allen C. Guelzo is Grace F. Kea Professor of American History at Eastern College, Saint Davids, Pennsylvania, and author of "For the Union of Evangelical Christendom: The Irony of the Reformed Episcopalians, 1873-1930" (Penn State Press).

Copyright (c) 1995 Christianity Today, Inc./CHRISTIANITY TODAY Magazine

ctap2495mrw5T50275419

[see #3665]

from Online Christianity Today (America Online) · Allen C. Guelzo via Kerux Sermon and Illustration Database charity

The Easy Road To Debt

No one who is financially bound can be spiritually free. We need to get a handle on debt.

1. The dangers of debt.

2. The first step toward debt: home ownership.

3. Car purchases: a costly error.

4. Overlooking the obvious: scheduling financial disaster.

5. How to get out of debt.

[Sidebar: Credit cards can never be used wisely, but sometimes they can be used less foolishly.]

from Discipleship Journal · Larry Burkett via Kerux Sermon and Illustration Database financesdebt

Borrowing In the Bible

A Bible study on the topic of debt, arguing believers should not be borrowers, and bad consequences always follow debt, especially bondage.

from Discipleship Journal via Kerux Sermon and Illustration Database financesmoney

Money, Money, Money

Luke 12:21

Sermon in Family series. Finances. 1 Timothy 6:6-12

===================

MONEY, MONEY, MONEY

===================

I. Money troubles.

II. Jesus and Money.

A. Money is like a competing god. [CT, 5/12/89, p.28]

B. Balancing statements.

C. Wealth creates a false sense of security.

III. Understand money.

A. Where does your money go?

B. Men and women look at finances differently.

C. A buck is a buck.

D. Get control of your finances, before they control you.

IV. Debt and Savings.

A. Debt involves surrender. Prov 22:7

B. Loans vs. Savings.

C. Build savings.

D. Savings in the Bible.

V. Learn contentment.

A. Are you obsessed with money?

B. Get your priorities straight.

C. Live simply.

VI. Practice generosity.

A. Financially free people are usually generous.

B. Be rich toward God. Luke 12:21

C. Invest in God's stuff. Luke 6:35

VII. Break free.

A. If in bondage, decide to do something.

B. If bondage is to money itself, consider God's claim on you.

from Condensed sermon outline (handout) by Rev. David Holwick · Serm96x.pco via Kerux Sermon and Illustration Database moneygreedcontentment

The God Who Suffers

My neighbor, an arrogant and wealthy businessman, scorned the church for

many years. Whenever church members phoned him, he would criticize them: "You

church people are only interested in my money. You don't care for me; you

only care about my pocketbook." But then he became ill and was paralyzed.

When I went to visit him, to my utter surprise his entire room looked like a

flower shop, and cards were posted everywhere on the wall. The flowers and

cards came from church members whom he so disdained for many years. Posted on

the wall, facing his bed, was a big sheet of paper with these words on it: "I

was wrong. The church does care." Later he became a Christian, all because

of the church's willingness to risk loving vulnerability.

[see #4056 for main article]

#4057

*

from Online Christianity Today (America Online) · Dennis Ngien via Kerux Sermon and Illustration Database moneycare

Contentment At Last

Job 36:11

Multimillionaire John D. Rockefeller was asked once how much money it took to make a person happy. His answer was, "JUST A LITTLE MORE."

Socrates was asked, "Who is the wealthiest man?" His answer: "HE WHO IS CONTENT WITH THE LEAST."

The Man and His Two Sweethearts

A middle-aged man, whose hair had begun to turn gray, courted two women at the same time. One of them was young, and the other well advanced in years. The elder woman, ashamed to be courted by a man younger than herself, made a point, whenever her admirer visited her, to pull out some portion of his black hairs. The younger, on the contrary, not wishing to become the wife of an old man, was equally zealous in removing every gray hair she could find. Thus it came to pass that between them both he very soon found that he had not a hair left on his head.

Those who seek to please everybody please nobody. And as Jesus told us, you cannot serve two Masters. You will either love one and hate the other, despise one and love the other.

Extreme case of

John G. Wendel and his sisters were some of the most miserly people of all time. Although they had received a huge inheritance from their parents, they spent very little of it and did all they could to keep their wealth to themselves. John was able to influence five of his six sisters never to marry, and they lived in the same house in New York City for 50 years. When the last sister died in 1931, her estate was valued at morre than $100 million. Her only dress was one that she had made herself, and she had worn it for 25 years!

from Source not recorded via Kerux Sermon and Illustration Database moneywealth

Price of

When West German industrialist Friedrich Flick died, he left a personal fortune estimated at 1.5 billion dollars, a business empire that embraced all or part of some 300 firms and a reputation as perhaps the crustiest, craftiest magnate ever to operate on the German business scene. Flick was dedicated wholly to his work (he buried his wife at 3 p.m. one day in 1966 and was back at his desk two hours later). At his death, the Flick empire generated annual sales in excess of $3 billion. But for all his enormous power and wealth, the old man had one very human shortcoming: he could not control his family. By last week a Flick family fight over der alter Herr's empire had employees, bankers and politicians alike shuddering over the eventual impact it might have on the West Germany economy. As one observer put it: "Flick hit home runs at the office, but he struck out at home!" (Newsweek, Sept. 25, 1972)

from Source not recorded via Kerux Sermon and Illustration Database money

Ten dollahs is ten dollahs!

Stumpy Grider and his Wife Martha were from Portland, Maine. Every year they went to the Portland Fair, and every year Stumpy said "Ya know Mahtha, Ah'd like ta get a ride in that theah aihplane". An every year

Martha would say, "Ah know, Stumpy, but that aihplane ride costs ten dollahs...and ten dollahs is ten dollahs". So Stumpy says "By Jeebers Mahtha, I'm 71 yeahs old, if I don't go this time I may nevah go".

Martha replies, "Stumpy, that theah aihplane ride is ten dollahs...and ten dollahs is ten dollahs".

So the pilot overhears them and says, "Folks, I'll make you a deal, I'll take you both up for a ride, and if you can stay quiet for the entire ride and not say ONE word, I won't charge you, but just one word and it's ten dollars".

They agree and up they go...the pilot does all kinds of twists and turns, rolls and dives, but not a word is heard; he does it one more time, still nothing...so he lands.

He turns to Stumpy as they come to a stop and says, "By golly, I did everything I could think of to make you hollar out, but you didn't!"

And Stumpy replies, "Well, Ah was gonna say something when Mahtha fell out...but ten dollahs is ten dollahs!"

from Source not recorded via Kerux Sermon and Illustration Database money

The Jackpot Isn't the Answer

It's the call millions of Americans dream of making, and Mary Sanderson got to make it on Dec. 19, 1997. Sanderson, now 37, calmly dialed her supervisor at Bell Atlantic in Dover, N.H., where she had toiled for $11 an hour as a night-shift phone operator. "You know those people who say that if they won the Powerball jackpot they'd keep right on working?" she said. "Well, I'm not one of them."

Winning $66 million meant that Sanderson could slip into bed alongside husband Jason, 33 -- a staffer at a screen-printing plant and a part-time wrestler known as the Wolfman -- and sleep the deep, blissful sleep of the rich. Or so she thought. "That night I got so paranoid I couldn't speak," recalls Sanderson. "I was afraid to believe it was real and afraid to believe it wasn't." Her first night as a multimillionaire and she'd never slept worse. "I spent the whole time crying," she says, "and throwing up."

All this goes to prove what we already knew -- that becoming insanely rich can drive some people over the edge. And in today's robust economy - an age of instant Internet zillionaires, bloated sports contracts, nine-figure lottery jackpots and shoot-the-moon movie star salaries -- the perils of plenitude can seem even worse. "Getting rich suddenly is a phenomenon of our times, and it can be a shocking, isolating event," says author Michael Lewis, who analyzed the Wall Street wealthy in 1989's Liar's Poker, and who is working on a book about the instant moguls of Silicon Valley. "Suddenly the world treats you like you're a pi'ata, slugging you and hoping some candy comes out."

An address change to easy street can be jarring -- something Oprah Winfrey discovered years ago. She went from a comfortable salary as host of her own Chicago talk show in 1984 to raking in millions after the program was syndicated. "I was stunned," Winfrey told PEOPLE recently. "I was looking at the checks coming in and I was like, 'What do I do with this?'" Her initial response to the mind-boggling windfall? "Towels," she says. "I bought a lot of towels. Having money is the better-towel syndrome, where you get to buy thicker and thicker towels."

But all those towels -- and a multimillion-dollar condo in Chicago -- were not as fulfilling as the money she used to help others. "Things don't really define you," says Oprah, who is worth an estimated $675 million and who regularly donates a chunk of that fortune to charities. (She pledged to build 205 new houses for Habitat for Humanity, and has funded more than 100 college scholarships.) "You don't truly understand that until you get there."

Oprah's realization -- that piling up material possessions won't necessarily lead to inner peace -- is one that comes unexpectedly to many. "The myth of the American dream is that money leads to contentment, but it often has the opposite effect," says Milwaukee therapist Jessie O'Neill, whose book The Golden Ghetto deals with the alcoholism, divorce and other troubles she faced as a result of being wealthy. (Her family inherited part of the General Motors fortune.)

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