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	<title>Money Matters &#187; Biblical Principles</title>
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	<link>http://www.dontbebroke.org</link>
	<description>Thoughts on Economic Freedom</description>
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		<title>Why I&#8217;m Not Worrying About the Economy</title>
		<link>http://www.dontbebroke.org/2008/12/09/why-im-not-worrying-about-the-economy/</link>
		<comments>http://www.dontbebroke.org/2008/12/09/why-im-not-worrying-about-the-economy/#comments</comments>
		<pubDate>Tue, 09 Dec 2008 18:34:53 +0000</pubDate>
		<dc:creator>debtfree</dc:creator>
				<category><![CDATA[Biblical Principles]]></category>

		<guid isPermaLink="false">http://www.dontbebroke.org/?p=45</guid>
		<description><![CDATA[If you pay attention to the news, it&#8217;s difficult to avoid hearing negative viewpoints on the economy. No matter how bad the news gets, though, I&#8217;m not letting myself succumb to worry. Why not? Maybe I should&#8230; my wife works in the casino industry, which in Northern Nevada is being hit hard by the down [...]]]></description>
			<content:encoded><![CDATA[<p>If you pay attention to the news, it&#8217;s difficult to avoid hearing negative viewpoints on the economy. No matter how bad the news gets, though, I&#8217;m not letting myself succumb to worry. Why not? Maybe I should&#8230; my wife works in the casino industry, which in Northern Nevada is being hit hard by the down economy. Many casinos in Reno have started laying off dealers, while others are cutting hours. My wife&#8217;s job hasn&#8217;t been affected yet, but there is no way of knowing how long she will be able to keep her hours. My own job with the state is not safe either, given that Nevada is facing a 30% budget cut for the next fiscal year, and I&#8217;m on a year to year contract.</p>
<p>Still, though, I&#8217;m not going to give in to worry. It&#8217;s a waste of time, it saps my energy, and it&#8217;s in contradiction with God&#8217;s will for our lives. Consider Luke 12:22-31:</p>
<blockquote><p><strong>22</strong>Then Jesus said to his disciples: &#8220;Therefore I tell you, do not worry about your life, what you will eat; or about your body, what you will wear. <strong>23</strong>Life is more than food, and the body more than clothes. <strong>24</strong>Consider the ravens: They do not sow or reap, they have no storeroom or barn; yet God feeds them. And how much more valuable you are than birds! <strong>25</strong>Who of you by worrying can add a single hour to his life? <strong>26</strong>Since you cannot do this very little thing, why do you worry about the rest?</p>
<p><strong> 27</strong>&#8220;Consider how the lilies grow. They do not labor or spin. Yet I tell you, not even Solomon in all his splendor was dressed like one of these. <strong>28</strong>If that is how God clothes the grass of the field, which is here today, and tomorrow is thrown into the fire, how much more will he clothe you, O you of little faith! <strong>29</strong>And do not set your heart on what you will eat or drink; do not worry about it. <strong>30</strong>For the pagan world runs after all such things, and your Father knows that you need them. <strong>31</strong>But seek his kingdom, and these things will be given to you as well.</p></blockquote>
<p>Clearly, we are not to worry. Trust in God, and He will provide for our needs. I have found this to be true from personal experience. God provides for my needs &#8211; always, even when I don&#8217;t trust in Him as much as I should. I&#8217;ve found though, that the more I trust Him, the more He provides. For example, the more I worry about extra income streams, the less extra income I actually get. Some might say that my wife and I still have jobs, so it&#8217;s easy to say &#8220;don&#8217;t worry.&#8221; What if we lose our jobs? Will I be so optimistic then? The Bible also provides guidance on this, in Romans 8:</p>
<blockquote><p><strong>28</strong>And we know that in all things God works for the good of those who love him, who have been called according to his purpose.</p></blockquote>
<p>Even if my wife and I both lose our jobs, we are to continue trusting in God, secure in the knowledge that God works out <em><strong>all</strong></em> things, including the bad things, for the good of those who love Him.</p>
<p>When I started this blog, I really wanted to write about Biblical principles of money manage. That&#8217;s what I started to write about with this post. While I was looking for a verse to base this post on, I stumbled across these 2 though, and decided to write about (not) worrying instead. If you are in bad financial straights, I hope you find this encouraging.</p>
<p>Cheers,</p>
<p>Ken</p>
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		<title>Should Christians Tithe?</title>
		<link>http://www.dontbebroke.org/2008/10/01/should-christians-tithe/</link>
		<comments>http://www.dontbebroke.org/2008/10/01/should-christians-tithe/#comments</comments>
		<pubDate>Wed, 01 Oct 2008 21:42:16 +0000</pubDate>
		<dc:creator>debtfree</dc:creator>
				<category><![CDATA[Biblical Principles]]></category>

		<guid isPermaLink="false">http://www.dontbebroke.org/?p=37</guid>
		<description><![CDATA[No, NO, and NO. I have been wanting to write on article on why not, in fact it&#8217;s one of the things I have planned to do during my upcoming vacation. However, today at The Simple Dollar, a link was posted to a discussion on Get Rich Slowly about people losing their homes because of [...]]]></description>
			<content:encoded><![CDATA[<p>No, NO, and <strong>NO.</strong> I have been wanting to write on article on why not, in fact it&#8217;s one of the things I have planned to do during my upcoming vacation. However, today at <a href="http://www.thesimpledollar.com/">The Simple Dollar</a>, a link was posted to a discussion on <a href="http://getrichslowly.org/blog/">Get Rich Slowly</a> about people <a href="http://www.getrichslowly.org/blog/2008/09/28/could-tithing-lead-some-americans-to-lose-their-homes/">losing their homes because of their tithing</a>. This is just dumb, and the people losing their homes because their tithe prevents them from being able to pay their mortgage are being taken advantage of by thieves posing as ministers of God. Strong words maybe, but this is just dumb that this is happening, actually it&#8217;s way beyond dumb.</p>
<p>First of all, the Old Testament tithe wasn&#8217;t a part of God&#8217;s Moral Law (as embodied in the 10 Commandments), it was part of the Judicial Law, basically regulations given by God on how the Nation of Israel was to be governed. Moral law is still binding. Ceremonial and Judicial Law are <strong>NOT</strong>. For those who preach that tithing is still required, I have a question &#8211; do you still offer burnt sacrifices?</p>
<p>Second, even if tithing were still required, where should it be given and what should it be used for? Most churches teaching that the tithe is still required demand that it be paid to the church. How convenient (for them)!!! However, that is NOT how the tithe was paid in the Old Testament. How was it paid and what was it used for? Part of it was used to support the priests (Levites) in return for the work they did in the Temple. Part of it was used to provide for the poor. Part of it was to be consumed by <em><strong>the people tithing themselves</strong></em>. Read Deut. 14:22-29 for yourself if you don&#8217;t believe me:</p>
<blockquote><p><strong>22</strong> Be sure to set aside a tenth of all that your fields produce each year. <strong>23</strong> Eat the tithe of your grain, new wine and oil, and the firstborn of your herds and flocks in the presence of the LORD your God at the place he will choose as a dwelling for his Name, so that you may learn to revere the LORD your God always. <strong>24</strong> But if that place is too distant and you have been blessed by the LORD your God and cannot carry your tithe (because the place where the LORD will choose to put his Name is so far away), <strong>25</strong> then exchange your tithe for silver, and take the silver with you and go to the place the LORD your God will choose. <strong>26</strong> Use the silver to buy whatever you like: cattle, sheep, wine or other fermented drink, or anything you wish. Then you and your household shall eat there in the presence of the LORD your God and rejoice. <strong>27</strong> And do not neglect the Levites living in your towns, for they have no allotment or inheritance of their own.</p>
<p><strong>28</strong> At the end of every three years, bring all the tithes of that year&#8217;s produce and store it in your towns, <strong>29</strong> so that the Levites (who have no allotment or inheritance of their own) and the aliens, the fatherless and the widows who live in your towns may come and eat and be satisfied, and so that the LORD your God may bless you in all the work of your hands.</p></blockquote>
<p>Of course Christians should be charitable. I think the key concept though is that everything we have belongs to God (not just 10%), and we should use 100% of what He has entrusted us with to bring glory to Him. If you still think paying a tithe is your most important financial obligation, ask yourself a few questions:</p>
<ol>
<li>How is God glorified when a non-believer sees you renege on a legal debt because your tithe makes you unable to afford to pay your mortgage?</li>
<li>How is God glorified when a non-believer sees you fail to provide for your family because your tithe causes you to lose your home?</li>
<li>How is God glorified when a non-believer sees a minister who lives an extravagant lifestyle asking poor people to send in more money?</li>
</ol>
<p>God doesn&#8217;t want your money. He wants your heart. He says &#8220;I desire mercy, not sacrifice.&#8221; Give to support the work of the Church. Give to help the poor. But give because you want to give, not because you feel compelled to give or because someone is trying to coerce you into giving.</p>
<p>Cheers,</p>
<p>Ken</p>
]]></content:encoded>
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		<item>
		<title>Take a Deep Breath</title>
		<link>http://www.dontbebroke.org/2008/09/22/take-a-deep-breath/</link>
		<comments>http://www.dontbebroke.org/2008/09/22/take-a-deep-breath/#comments</comments>
		<pubDate>Mon, 22 Sep 2008 20:30:43 +0000</pubDate>
		<dc:creator>debtfree</dc:creator>
				<category><![CDATA[Attitude]]></category>
		<category><![CDATA[Biblical Principles]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://dontbebroke.org/?p=29</guid>
		<description><![CDATA[Housing prices continue to slide. Some of our largest financial institutions are failing or being taken over by the government. The stock market is on a roller coaster ride, with an emphasis on steep dives. Unemployment in the USA is at or near a 5 year high. It&#8217;s time to&#8230; sit back and take a [...]]]></description>
			<content:encoded><![CDATA[<p>Housing prices continue to slide. Some of our largest financial institutions are failing or being taken over by the government. The stock market is on a roller coaster ride, with an emphasis on steep dives. Unemployment in the USA is at or near a 5 year high. It&#8217;s time to&#8230; sit back and take a deep breath. It&#8217;s easy to get caught up in the gloom and doom of the moment, especially when it seems there is nothing but bad news. However, I think that things are almost never as bad as they seem. Here is my take (from a Christian perspective) on how to deal with some of the bad financial news that&#8217;s been dominating headlines lately.<br />
<strong>The Stock Market Meltdown</strong> &#8211; Having money in the stock market can be kind of distressing right now, particularly if you are close to retirement. My own retirement plan is down over 25% since last year. Remember though, that what goes down will probably come back up. This is a good time to re-evaluate your asset allocation. If you buy individual stocks, it is an opportunity to buy quality companies at a large discount.</p>
<blockquote><p>Phillipians 4:19 And my God will meet all your needs according to his glorious riches in Christ Jesus.</p></blockquote>
<p><strong>The Housing Crisis</strong> &#8211; Are you upside down? If you can still afford to make your payments, then keep making them. Are you behind on payments and in danger of losing your home? Maybe your lender would be willing to do a loan modification. Remember that earth is just a temporary home &#8211; our true home is elsewhere.</p>
<blockquote><p>John 14:2 In my Father&#8217;s house are many rooms; if it were not so, I would have told you. I am going there to prepare a place for you.</p></blockquote>
<p><strong>Unemployment</strong> &#8211; If you are unemployed, I am sorry for you. Realize that there are resources to help you get through this period. It might be a good chance to cut a lot of dead wood out of your life. It also might be an opportunity to find a better job or a better situation than what you had previously. Also remember here is another type of work besides a job.</p>
<blockquote><p>1 Corinthians 15:58 Therefore, my dear brothers, stand firm. Always give yourselves fully to the work of the Lord, because you know that your labor in the Lord is not in vain.</p></blockquote>
<p>What if you&#8217;re not a Christian? I think the same principle applies &#8211; don&#8217;t let yourself become overwhelmed. If you do, you short-circuit your ability to deal with the problem. As the matter of fact, I don&#8217;t feel you should focus all your energy on just solving problems. Change the way you see your situation. Spending all your time and energy solving a problem solves the problem, but it doesn&#8217;t give you a way forward to where you want to go in life, especially when new problems can keep coming at you. Invest in yourself right now. Gain knowledge. Make new friends. Expand your social and professional networks. Look for new and different opportunities. Your ability to connect with others and make adjustments are valuable assets during hard times.</p>
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		<item>
		<title>Mondays are my worst best days</title>
		<link>http://www.dontbebroke.org/2008/08/11/mondays-are-my-worst-best-days/</link>
		<comments>http://www.dontbebroke.org/2008/08/11/mondays-are-my-worst-best-days/#comments</comments>
		<pubDate>Mon, 11 Aug 2008 18:29:03 +0000</pubDate>
		<dc:creator>debtfree</dc:creator>
				<category><![CDATA[Biblical Principles]]></category>

		<guid isPermaLink="false">http://dontbebroke.org/?p=17</guid>
		<description><![CDATA[I used to hate Mondays. After a long weekend of house work, yard work, partying, etc, it was really hard to get in the mood to go to work. Week days were for work, and weekends were for having fun and doing projects around the yard and in the house. The problem was, all the [...]]]></description>
			<content:encoded><![CDATA[<p>I used to hate Mondays. After a long weekend of house work, yard work, partying, etc, it was really hard to get in the mood to go to work. Week days were for work, and weekends were for having fun and doing projects around the yard and in the house. The problem was, all the &#8220;relaxing&#8221; I was doing on the weekends left me too tired to put in an &#8220;optimal appearance&#8221; on Monday mornings.<br />
Interestingly, in Exodus 20:8 &#8211; 1, the Bible has something to say about this very subject:</p>
<p><strong>8</strong> &#8220;Remember the Sabbath day by keeping it holy.<br />
<strong> 9</strong> Six days you shall labor and do all your work,<br />
<strong> 10</strong> but the seventh day is a Sabbath to the LORD your God. On it you shall not do any work, neither you, nor your son or daughter, nor your manservant or maidservant, nor your animals, nor the alien within your gates.<br />
<strong> 11</strong> For in six days the LORD made the heavens and the earth, the sea, and all that is in them, but he rested on the seventh day. Therefore the LORD blessed the Sabbath day and made it holy.</p>
<p>Since Mondays were such a drag on the rest of the week for me, I decided to start applying this principle to my life. I don&#8217;t work on Sundays any more, at all. No Open Houses. No preparing mailers to send out. If I have a big home project to do on a weekend, it gets finished on Saturday or it gets finished the following week. I don&#8217;t even like driving home from vacation on Sundays &#8211; it&#8217;s too much like work, so we drive home on Saturday. I might do a little yard work, but only a little, and only because I find it relaxing.</p>
<p>I&#8217;ve found that since I started treating Sunday as an actual Day of Rest, Mondays are the most productive day of the week for me. Instead of showing almost late for work with a foggy head, I show up on time with a clear head. In fact, I like to show up an hour early to prepare for the coming week. My stress level is down, not just on Mondays but all week long.</p>
<p>I believe this principle applies to anyone, whether you worship the God of the Bible, a different god, or no god at all. Try setting aside your Sundays as a day of rest and see how it affects your productivity, your mental clarity, your overall well being.</p>
<p>Cheers,<br />
Ken</p>
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