Proverbs 10:1-32 · Proverbs of Solomon
Right on the Money!
Proverbs 10:1-32
Sermon
by Bill Bouknight
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One day a mother was having a deep discussion with her 12- old daughter about values. She said, "Honey, What you need in order to survive in this world is faith in God and a good sense of humor." The daughter thought about that and then, with a twinkle her eye, said, "It also helps to have a credit card." How thoroughly American is that 12-year-old. We are a credit culture. Partly because of the credit cards, many of us have le irresponsible and undisciplined in our finances. If the average 65-year-old American were to cash in everything he owns, he would be worth about $100. Evidently he is depending on someone perhaps the government, to support him. Over 80 percent of Americans owe more than they own. The average American entering Laurelwood or Oak Court Shopping Centers today has seven credit cards, with a combined balance of over $2000; and he or she pays the minimum amount each month on credit card debt.

The number one cause of marital friction in America is financial pressure and disagreement. We live in a culture that is seeking the kingdom of things and trying to spray a little religion on it, like an air freshener. God did not intend for us to be financially distressed. God's for his people is prosperity. If you don't believe me, let me take you to the Word. In Psalm 1, the writer says of those who love the Lord: "They are like trees planted by streams of water, which yield their fruit in its season, and their leaves do not wither. In all they do, they prosper." In Psalm 35, verse 27, we read: "Great is the Lord, who delights in the prosperity of His servant." And in Third John 2, verse 2, we read, "Beloved, I wish above things that you may prosper and be in health, even as your soul prospers."

If God wants us to prosper, what are the guidelines? It's natural that we turn to proverbs, that collection of wise sayings begun by King Solomon around 950 B.C. Except for the Lord s, Solomon was the wisest man who ever lived. I find three admonitions in Proverbs that are right on the money. If any person or household will follow these admonitions prayerfully and carefully, that household will prosper. Here they

Avoid debt; save for the future; and give first to God. Let's take them one at a time.

THE FIRST ADMONITION IS THIS: AVOID DEBT. IN PROVERBS 22:07 WE READ, "THE RICH RULES OVER THE POOR. AND THE BORROWER IS THE SLAVE TO THE LENDER.”

Notice that debt is not called evil. There is just the ling that the debtor surrenders some of his freedom to the lender. Therefore, if we borrow, we must do so strategically, wisely and with restraint. Everybody knows that it is wise to borrow to buy a house. That is usually an appreciating asset. But to borrow for consumer goods is dangerous and unwise. My friend Adrian Rogers says that credit cards ought called debt cards. Twenty-five percent of every dollar in America is spent on consumer debt. Let's suppose that you have dinner in a restaurant an bill is $20. You pay for it with your credit card. Then if you pay just the minimum amount each month on that debt, that dinner will cost you more than $50. That is poor stewardship.

Financial analyst Ron Blue tells about a man who bought a Rolex watch. He made a down payment of $200, then put the rest his credit card. His intention, like so many Americans, was to pay the minimum each month. Before he was through, he had paid for that Rolex at least twice. Bless his heart! He just couldn't bear to say to himself, “I can't afford a Rolex." Proverbs 13:7 had him in mind when it says, “One man pretends to be rich, yet has nothing."

If you're in credit card trouble now, you probably got into it gradually, and you'll get out that way. Get rid of one credit card at a time, until you get to the point of having only one. Each month pay 10 percent more on that credit card debt than you did the month before until you get to the point when you're paying the full bill each month. If you have a weakness in that area, switch from credit to a bank debit card. The debit card is linked directly and immediately to the accountability of a checking account. Proverbs is right on the money when it teaches us to avoid debt.

THE SECOND ADMONITION FROM PROVERBS IS TO SAVE FOR THE FUTURE. PROVERBS 21:20 IN THE LIVING BIBLE READS AS FOLLOWS: “THE WISE MAN SAVES FOR THE FUTURE, BUT THE FOOLISH MAY SPENDS WHATEVER HE GETS.”

My grandfather was fond of quoting the old truism: "A fool and his money are soon parted." No, that's not in the Bible, but it’s an "almost Bible." Many Americans are only one or two paychecks away absolute poverty, just one financial disaster away from bankruptcy. Some people say, "What we need is more money. So, my wife and I will take second jobs, do some moonlighting." The problem with that solution is that often family gets neglected and one’s primary job suffers. Furthermore, the amount of income is not usually the problem. Every financial counselor will tell you many people making $200,000 per year have the same problems as those who make $20,000 per year. It's not a question of amount; it's a matter of money management.

It is important to develop a written budget plan that in systematic savings. Someone has defined a budget as "an attempt to live beneath your yearnings." To budget and to save both require control and restraint. The best way to save is through a payroll deduction plan or an automatic draft program with your bank. You may start with less than 1 percent being deducted, but it will grow. Most financial counselors recommend that you build up to an amount equal to two to three months' salary, placed in a secure savings account. Then you can gradually work on long-term s with CDS, mutual funds, or other investments. Even the ants and the squirrels understand the principle of savings; surely those of us made in God’s image should do as well.

The second admonition from Proverbs is: Save for the future.

THE THIRD GUIDANCE FROM PROVERBS IS THIS: GIVE FIRST TO GOD. IN PROVERBS 3: 9-10, WE READ: “HONOR THE LORD WITH YOUR SUBSTANCE AND WITH THE FIRST FRUITS OF YOUR PRODUCE; THEN YOUR BARNS WILL BE FILLED WITH PLENTY AND YOUR VATS WILL BE BURSTING WITH WINE.

That advice is similar to Deuteronomy 18:4 which tells us: “The first fruits of your grain, your wine, and the first of the fleece of your sheep, you shall give to the Lord.”

My wife, who is my best advisor, told me last weekend that I was not the least bit subtle in telling you what the scriptures say about tithing. In fact, she said that I hit you with the force of a two by four up side the head. Her guidance was to be a bit more gentle this week. I usually try to follow her advice. Last week we focused on the biblical statements regarding tithing, God’s call for us to express our appreciation to Him by giving 10 percent of our income for His work.

Notice that in Proverbs the focus is on giving the “first fruits,” the first part of our income. Some Christians wait to see if anything is left over, and give that to God. That reminds me of a report from Paul Harvey. He says that a woman called up the Butterball Turkey Company’s consumer hotline and asked about the advisability of cooking a turkey that had been in her freezer for 23 years. The customer service rep told her that it might be OK to eat if the freezer had maintained a below-zero temperature the entire time, but even so the flavor would have deteriorated so much that it wouldn’t be very tasty. The caller replied, “That’s what we thought. We’ll just donate it to the church.” That turkey is not what the Bible means by first-fruits, it’s more like the last survivor.

Giving first fruits was illustrated beautifully one day by a boy of about 10 who lived in a village deep in the Amazon region of Brazil. One day he came running to the missionary’s hut carrying a nice fish he had just caught. “Sir,” he said to the missionary, “Here is my tithe!” “That’s wonderful,” said the missionary, “but a tithe means 10 percent. This is just one fish, where are the other nine?” With a big smile, the boy said, “They are still in the river. I’m going to catch them now, and God will help me.” That boy gave first fruits.

When we give the first portion of income to God, we declare that God comes first in our lives; furthermore, it flexes our faith muscles. It forces us to trust God to make 90 percent of our income more than meet our needs. Can God do that? Jesus said in Matthew 6: 25 “Be not anxious about your life, what you will eat or what you will drink, or about your body, what you will wear…Look at the birds of the air; they neither sow nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not of more value than they?

Now, you may be sitting there thinking “I’m so financially stretched and stressed that these biblical guidelines are just beyond me. It’s more than I can bear.” Don’t dispair. Go home this afternoon and put a plan on paper. Make a start, however small. You may decide to pay an additional 10 percent of that credit card debt each month. You may decide to destroy all credit cards except one. You may decide to start an automatic savings plan of one percent per month. And as you look at that Christ Church financial commitment card that should arrive by mail this week, you may decide to give a fixed percentage off the top of your income, trusting God to keep his word and to become your invisible financial partner.

In closing let me tell you about a small, unincorporated community in Davidson County, Tennessee, called Amqui. In the old days of railroading, it had importance. Those days are long past. Singer Johnny Cash some years ago purchased the quaint railway station and moved it to his estate. Amqui was once a switching point on the Louisville and Nashville line. I the switchman moved the track six inches to the right, the trains from the south would thunder past on the way to Louisville and Cincinnati. If the track was moved only six inches to the left, the trains went to St. Louis or Chicago. This enormous variance in their final destination was brought about by a matter of a few inches turned much earlier at Amqui. How does that relate to our subject for today? It means that switching our financial habits just a little bit now can change drastically where we end up later. A few crucial corrections now can prevent disaster later, and enable us to experience God’s riches blessings.

In the final analysis, we own nothing, not even the six feet of dirt in which we will be buried. God is the owner and we are his stewards or managers. Doesn't it make sense to organized God’s assets which we manage according to the will of the Owner?

ChristianGlobe Networks, Inc., Collected Sermons, by Bill Bouknight