Financial Planning – Downloadable Budgets & Planning Forms

Surviving My Finances PosterTo survive our finances one of the first steps is to have a financial plan. On this page, you will find a number of tools to help you manage your money.

Below are some Exell Spreadsheets.  Just click on the one you want to view.  You may open or save to your computer. Put in your numbers and it adds all your totals and percentages for you:

PersonalFinancialPlan

PersonalFinancialProfile

MonthlyBudgetLedger

For those who are familiar Dave Ramsey (National Radio Host & Best Selling Author), here are two of his planning tools. Just click to view or save or print.  Included in these forms are the instructions of how to use them:

Dave Ramsey’s Quickie-Budget

Dave Ramsey’s Monthly_Cash_Flow_Plan_forms

It my prayer that you will only survive your finances but have finacial peace, get out of debt, grow your faith and achieve your dreams.

Darrell

www.ridgefellowship.com

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Tithe Challenge – Week 1 – Test Me

90 Day Tithe ChallengeWe have begun a Tithe Challenge. (A 90 Day test of giving 10% to God to see what happens!)  I am praying for those of you who are signed up and I am excited about what God will do in our lives.   I have learned personally that I cannot out give God.  He is faithful.  My prayer is that you discover God’s faithfulness as well. This is the first post during our next 12 weeks in this challenge together.

I think the first question some may have is, Why a challenge?  Why use the word tithe and challenge together?  It’s because the Bible does.  I find it interesting that it says, “Do not test the LORD your God…” Deuteronomy 6:16 (NIV) in the Old Testament and in the New Testament, Jesus even quoted this verse when tempted by Satan.  We are told not to tempt the Lord in any area, but one.

Test Me In Tithing

The one area where God says, “TEST ME” is in the area of giving 10%.  It’s the place where our finances and our faith intersect.  “Test Me”, God says.  Since He gives us permission to challenge or test Him, I have no problem calling this the “Tithe Challenge.”  It’s biblical.

Let’s look at this particular passage in Malachi 3:10.

10 Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the LORD Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that you will not have room enough for it.  11 I will prevent pests from devouring your crops, and the vines in your fields will not cast their fruit,” says the LORD Almighty.  Malachi 3:10-11 (NIV)  

What Is A Tithe?

The word “tithe” comes from a Hebrew word that means “ten.”  A tithe is 10 percent of one’s income, whether it’s grain, fruit, animals, or money (Lev. 27:30-34; Neh. 13:5). There were special storage rooms in the temple for keeping the grain, produce, and money that the people brought to the Lord in obedience to His Law.  If people didn’t want to carry heavy produce all the way to the temple, they could convert it into cash, but they had to add 20 percent to it just to make sure they weren’t making a profit and robbing God (Lev. 27:31).

Isn’t Tithing Old Testament Law?

Actually tithing predates the law.  Tithing, as an act of worship, is as old as Abraham, who gave tithes to Melchizedek, acknowledging that Melchizedek was the representative of the Most High God (Gen. 14:20; Heb. 7).  Jacob vowed to God that he would tithe (Gen. 28:22), so tithing pre-dates the Law of Moses.  Later tithing was included in the Law of Moses as a part of Israel’s worship.  In bringing the tithes and offerings, the people were not only supporting the ministry of their public worship system, but they were also giving thanks to God for His abundant provision for their own needs.

What About Tithing In The New Testament? 

The word “tenth” or tithe is used 10 times in the New Testament.  Interesting number!  It’s found in Matthew 23:23-24 and Luke 11:42.  In these two passages, Jesus told the Pharisees they should tithe as they had been without neglecting justice, mercy, and faithfulness.  The other 8 times are found in Hebrews 7 v. 4-10 where it describes Abraham’s relationship to Christ by drawing a parallel between Abraham’s tithe and his acknowledgment of God’s sovereignty.

1 Corinthians 16:1-2 suggests proportionate giving and “grace giving” in 2 Corinthians 8-9, which is certainly beyond 10 percent.  Most biblical commentators suggest that if believers under the Old Covenant brought their tithes, how could Christians under the New Covenant begin with anything less?

Thanks again for taking the time to grow and be challenged by God’s word and to be challenged to give.  Next time we will explore more of these concepts that relate to giving, God’s blessing, and how God blesses when we take this step of faith.

P.S.  Please share as God works in your life.  I would love to hear your stories of how God is working in your life.

Not signed up?  Just post a comment that says, “Sign me up”  and I will email you.

Darrell

 Sources:
Bible Exposition Commentary Old Testament
Giving and Tithing, Larry Burkett
Life Application Bible Notes
Matthew Poole’s Commentary

Try Giving on Line at www.ridgefellowship.com

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Dealing with Bitterness

Livin ForgivenIt is a simple but sometimes forgotten truth that the greatest enemy to present joy and high hopes is the cultivation of bitterness.  Robert Menzies

 Never succumb to the temptation of bitterness. Martin Luther King, Jr.

Do you struggle with bitterness?  I do.  Here’s what I have found:

 Two truths about Bitterness:  

1. Bitterness has a dangerous root.  See to it that…no bitter root grows up… Heb. 12:15

See to it that no bitter root grows up.  How does a bitter root start?  A bitter root grows in  the soil of a wounded heart.   Someone betrays you, and instead of handling it scripturally, you absorb the hurt, because that’s what roots do.  A bitter root grows in the soil of a hurt that hasn’t been dealt with properly.  Bitter roots, they absorb the hurts, they store it and then they start to grow. Bitterness grows in my heart when I absorb a hurt instead of deal with it spiritually.

2. Bitterness produces a poisonous fruit.  …(a)  bitter root grows up to cause trouble and defile many. Heb 12:14-15

Whenever a bitter root grows up, many people, including you, will be corrupted by its poison.  A bitter person is like a rotten apple that affects all the apples around it.  Have you ever noticed this?  At work one bitter person can totally change the climate of the office.  The same is true with families.  One bitter family member can destroy the holidays.  One bitter family member can totally disrupt the unity and love in a family.  You can see it with teenagers.  You can take a group of great kids, drop in the middle of this group one bitter, angry, rebellious person.  All of a sudden, the whole group can to trend in a wrong direction.  This happens in church too. Bitterness, it produces a very poisonous fruit.  Personally I don’t want to poison the people around me with bitterness.

With Whom Are You Bitter?    Is it a parent, spouse, sibling, employer, church member or friend?

The beginning of healing is revealing.  Think of that person and acknowledge the hurt that was done.

Two Ways to kill the root of bitterness:

 1.     Get Rid of it.

 Get rid of all bitterness Eph 4:31

What do you do with a rotten apple?  I throw it out. It goes in the garbage immediately. No reason to keep a rotten apple in the house.  Why would we keep bitterness in our heart?  We need to get rid of it.  Don’t ignore it, forget it or down play it! Acknowledge the hurt, then choose to do the next step.

2.      Forgiveness.

 Get rid of all bitterness… forgiving each other, just as in Christ God forgave you. Eph 4:31-32

How do you kill the root of bitterness?  You kill it with forgiveness. 

 There’s a story about two monks that will help illustrate.  Their tradition was that they were never to touch a woman, not a handshake, not a hug.  These two monks were on a journey, and they came up to a river.  And it had been raining, and the river had flooded and it was higher than normal, and on the side of river, at the bank, there was this woman in a beautiful wedding gown, and she was crying.  And the monks approached and said, “Ma’am, Can we help you?”  And she said, “It’s my wedding day and I need to get across the river, but I’m afraid if I do, it will ruin my hand-made gown, and I don’t know what to do.”  And the monks had a dilemma.  “We can’t touch … how can we help her?”  And finally, the first monk just thought, “You know what?  I think that God would honor this.”  He said, “Ma’am, could I help you across?”  And she said, “Would you?”  And he said, “I absolutely would,” and so he lifted her up in a very appropriate way and he grabbed her in his arms and he carried her above the water and took her across to the other side, and she just, with tears of joy said, “I’m so grateful,” and she gave him a great big hug.  And she left, and he waded back across the river.  And the second monk was there going, “How dare you.  How, how could you betray our tradition and touch a woman?”  And he was like, “I thought that was what I was supposed to do,” and so the two, they journeyed on.  And the next day, the second monk, he was still angry about it.  “ just don’t know how you could have done that,” and the following day the second monk was still just distraught.  He was beside himself.  And finally, the first monk said, “With all due respect, I sat the woman down two days ago, and you’re still carrying her in your heart.”

 So many people today still carrying what God wanted you to set down so long ago.  Forgiveness is letting go.

For some of you, it will be a choice and God will give you the ability to make a decision to forgive and you do.  For some of you though, it will be more of a process, it will still take God, but it is a process. We will look more at this process in a future post.

How are we to forgive?   …just as in Christ God forgave you Eph 4:32

  How has God forgiven you?”  For me, I’ve been a liar, a cheat, a thief, a drunk, lazy, disobedient, and lustful, the list could go on!  Christ has forgiven me of all this. He has forgiven you of your list when your trust Him.  That’s the good news!  Now he wants me to forgive people that I have on my list.  Christ wants you to forgive those who have hurt you.

I realize I have a choice. I can be bitter, or I can be better (through forgiveness). Will you make the choice to kill the root of bitterness?

 Darrell

 For more about the series, “Livin’ Forgiven”  go to www.RidgeFellowship.com

Sources:  http://www.brainyquote.com/quotes/keywords/bitterness.html#HkfkiFP4kYBPFxLm.99

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Forgiving Myself

Livin ForgivenWho hasn’t known the sting failure?  Knowing that we didn’t to live up to a commitment we had made to ourselves or someone close to us?  Often we fall short of what God has for us.

I will fail, everyone does. 

23 For everyone has sinned; we all fall short of God’s glorious standard. Romans 3:23

None of us are immune to failure or sin. None of us are immune to letting Jesus down not even the people who were closest to Him on this earth. Peter walked and talked and laughed and ate with Jesus for three years. He was in the inner circle of the disciples. You might even say that he was one of Jesus’ best friends. Yet he let Jesus down. Three times he denied even knowing Jesus … all within view of Jesus Himself.

So, should we be surprised by the failure of sin that enters our lives? No. Is God surprised when we fail in our sin and let Him down? No! Does He stop loving us? No!

God knows our tendency to fail all too well. He created us. Despite what we may think of ourselves or what we may think of the believers who surround us, we are all just human. We are not perfect. We will fail. We will sin.

To fail doesn’t mean we are failures.  It means we are human.

So, perhaps the first important step is to stop being beating ourselves up. There is nothing to be gained in that. We can stop crucifying ourselves about our past. That is why Jesus was crucified. There is no forgiveness or restoration in hating and punishing ourselves for the sin we commit that is absolutely no surprise to Jesus.

Forgive yourself. It’s why Jesus died and rose again. Sin is put to death forgiveness now lives!

There’s a story of man trying to cross the street. As he steps off the curb a car comes screaming around the corner and heads straight for him. The man walks faster, trying to hurry across the street, but the car changes lanes and is still coming at him.
So the guy turns around to go back, but the car changes lanes again and is still coming at him. By now, the car is so close and the man so scared that he just freezes and stops in the middle of the road. The car gets real close, then swerves at the last possible moment and screeches to a halt right next him.
The driver rolls down the window. The driver is a raccoon. The raccoon says to the man, “See, it’s not as easy as it looks, is it?”

Does this sound familiar to you when trying to forgive yourself for something?

The biggest obstacle to self-forgiveness may be the tendency to wallow in our own guilt.  We replay the images of our failure in our mind over and over again.  We own our failure as if it’s our favorite movie.   It’s time to push the stop button and move on.

For forgiveness and restoration we need to go directly to the giver of life and the forgiveness offered by Jesus Christ.

No matter what I do, Jesus still loves me.

35 Can anything ever separate us from Christ’s love? … No.”  Romans 8:35, 37

Notice the word anything.  Does that leave anything out?

Can drug or alcohol abuse?  No.  Stealing? No.  How about adultery?  David committed adultery but he also wrote the book of Psalms, and was called “a man after God’s own heart’” (Acts 13:22)   What about Murder? No!  Moses was a murderer, so was David, so was Paul who wrote much of the New Testament.  There is forgiveness in Christ.

To forgive myself, I focus less on what I did in the past and focus more what Christ did on the cross.   

 It’s time to push the stop button. Self forgiveness is a tool with which we face what we’ve done in the past, acknowledge our mistakes, give them to Jesus and move on.

Jesus forgiveness is all inclusive, past present and future.  That forgiveness includes forgiving yourself.   You are forgiven in Christ, forgive yourself. Do it today.

Darrell

For more about the series, “Livin Forgiven”  go to www.Ridgefellowship.com

 

 

 

 

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