Spending Smarter by wuyunyi


									Spending Smarter: living within your means and liking it.

Intro: This past week I received email notifications of the winter
clearance sales of 1 of my favorite stores
   • REI
   • I spent Monday night checking the sales on line
          I was hoping to find a few items I had been looking for
          I couldn’t find anything!
          I was really disappointed
   • Then I decided to look up the categories of the items that I
     was looking for……maybe I missed something?
          Everything was full price……and expensive!!
          Nothing I wanted on sale!!
   • I was so disappointed that I went back to the sales pages
     and found a super clearance deal on an item that was kind
     of similar to what I had been looking for.
          I put it in my cart
          Because I just wanted to get a deal
          I just wanted to buy something at a great price!!
          But eventually I emptied my cart as I thought of other
          items that have hung in my closet for years.
                Items that were Good deals
                I bought them at a Great price
                But they weren’t really the thing I wanted.
                Bought because they were such fantastic deals
                Ending up donated to charity
   • At least someone received benefit from my spending!!!
   • And it wasn’t me!

Over the years I have found something to be true………………..
Spending money well is not easy at all!!!
Today we are going to take a look at spending well.
  • We all have to spend money!
  • We all have different amounts to spend
         If we spend badly we can end up enslaved to debt
         If we spend badly we can end up wasting our money
  • But if we spend well
         We can have more freedom
         We can have money serve us
         We will reap blessings now and in the life to come!

Now let me start out by saying this about spending well.
  • Spending well is not necessarily spending less!
        Sometimes it could be spending more in the present in
        order to spend less in the long run!!
        It’s more about how U spend – not just what U spend

I grew up in Brookfield which is now a community of excess!!
But when my parents moved there in 1955
   • There were small neighborhoods with small houses
   • My dad was pretty wise with his modest income
   • I remember my mom being thrifty to say the least!
          She would haggle over a 25¢ rummage sale item until
          she got it for a dime!!

So I grew up sort of thrifty minded myself…..if I couldn’t get it on
sale…..I didn’t buy it!!
  • This is just the way I was….a product of genes and an
When I came into my relationship with Jesus
  • He spoke of money a lot
  • He spoke of giving
  • He spoke of being a manager of my money
  • I didn’t have much but I wanted to get this right……
         So I became really thrifty!!!
         I started shopping exclusively at thrift stores
         I rarely bought anything new unless I had to
             And of course – it had to be on sale!!
Then I read 2 books in the early 80’s.
  1. “Rich Christians in a World of Hunger”.
       • This book painted a bleak picture of the poor
       • The solution was for the rich (me) to sacrifice use of
         resources and wealth to provide for those in desperate
         need – this was the Christ-like thing to do

  2. “The Coming Revolution in World Missions”
       • This book made a case that native missionaries were
         now the hope for the future of reaching the lost
       • They cost far less to fund and already were adapted to
         the culture because they lived there
       • Americans needed to stop going and start spending!
              The author shared how they lived frugally so that
              as a family they could support as many native
              missionaries as possible
                   Using bar soap until it was gone instead of
                   throwing away the little pieces
                   Never buying a can of soda
                   Never going out for fast food

I became consumed with my spending-it’s all I thought about
     The smallest purchases became major decisions
     I struggled with guilt whenever I bought anything
And then something happened
I don’t know when it happened
I don’t know how it happened
   • But I realized that although I spent hardly anything
   • I was more in bondage to money than at any other time in
     my life
   • It consumed my thoughts almost all the time
  • I needed to be set free

And although I still have plenty to learn
  • The Lord has helped me to find some balance
  • The Lord has shown me a few helpful truths
  • The Lord is continuing to set me free!

That’s my hope this morning
That we can find a few principles in the Word that can help us
  • Find more balance in our spending
  • Find freedom to use money rather than serve money
  • Find truth that can help us be set free in our spending

Now if we are going to have any desire to spend more wisely
   • It’s important we have motivation to tackle this issue!
   • Let’s take a look at a couple reasons that make it worth
     it to spend time thinking about our spending
Motivation #1
In Luke Jesus tells a parable about money usage.
   • He makes a number of points with the parable
   • One point is a huge reason to become wiser in our

Luke 16 10 “If you are faithful in little things, you will be
faithful in large ones. But if you are dishonest in little
things, you won’t be honest with greater
responsibilities. 11 And if you are untrustworthy about
worldly wealth, who will trust you with the true riches
of heaven? 12 And if you are not faithful with other
people’s things, why should you be trusted with things
of your own? NLT

  • All our money comes from God according to our ability
   • If we cannot handle money which is temporal
   • Why would God give us responsibility with eternal things?
If we are going to be the kind of people that God will really use
to impact eternity through impacting people------
We must learn to spend our money wisely!
   • It shows God we can be good stewards of His resources
   • It gives Him reasons to provide us opportunity to steward

If you ever wonder why you’re not very involved influencing
   • It may be that the Lord is waiting for you to grow as a
     steward of the material resources He has given you first.
   • Then He will let you steward some eternal resources

Motivation #2

Proverbs 21:20 The wise man saves for the future, but the
foolish man spends whatever he gets" TLB
  • Mike will be talking about saving next week
  • One truth I see in this scripture is to seek to spend with the
     future in mind
  • Spending wisely frees up resources to be used to take
     advantage of opportunities when they arise

For some of us, If we have enough money to
  • But the groceries we need
  • Buy clothes when we want
  • Pay our electric bill
  • Keep our car filled with gas
  • Take care of the normal needs of life

We don’t think much about our spending in these areas
   • because we’re not going into debt
   • and we have enough to take care of these needs right now.
But I’ve been forced to think about these expenditures
I’ve come to see great benefit in spending wisely
   • Because Doing a better job spending on my needs
   • Has made it possible to act on opportunities that come
     along where money above and beyond what I might
     normally have……is surprisingly available!!
   • And I didn’t plan on it --- I didn’t set it aside --- it’s just there
              Extra to give to a sudden need
              Extra to take an unplanned vacation because a
              fantastic deal comes along
              Extra to make a memory with family that was not
              planned but is now possible
   • And I didn’t deprive myself in order to have the extra cash

This is called spending wisely? It’s not just budgeting.
I’m talking about simply spending less on our normal
needs now so that it frees up money for……..?????
For example
  • Buying next winter’s needed clothes when they are on sale
     after this winter
  • Buying things like socks and underwear and …… the stuff
     you always need ---- not when you need it----but when it
     comes along in a major sale!
  • Stocking up on laundry detergent when it’s on sale
  • Buying food staples in bulk when they are on sale
  • Planning meals based on what’s on sale not what you feel
     like eating - eventually just about everything is on sale
  • Stopping at the store on your way home from work instead
     of using gas 2 days later
  • Grouping errands together for one trip instead of 3

  • Buying high quality clothes when on sale because they last
    3x longer – and they save you in the long run
  • I recently did this with socks!! Splurging so I save!!

You might be surprised how much extra money you have which
you never set aside!!

I am motivated to spend more wisely in my day to day
purchases by the thought of

  1. Being given opportunity to be involved in eternal work
       • I can’t take money with me, but maybe the Lord will
         continue to trust me to be involved with people if I
         show I can spend His money wisely

  2. Having some surprise extra money without depriving
     myself! ----- I love being surprised when it shows up!!

  3. And lastly I am highly motivated at this time of tax
     preparation----- looking at where my money went -----
     and having a desire to take more control of where it’s
     going in the future!!
       • Tax preparation gives me a clear picture of my
         spending in categories and I want to spend more in
         some and less in others.
       • My income is the same --- so to accomplish this I
         need to spend wiser!!!

So now that I’m motivated – and I hope you are too
What principles can help to guide our spending?

Romans 12:2 2 Don’t copy the behavior and customs of
this world, but let God transform you into a new person
by changing the way you think. Then you will learn to
know God’s will for you, which is good and pleasing and
perfect. NLT

#1 - Let God and not culture dictate our needs and wants
  • Our culture is after our money!!
  • They’re relentless in figuring out ways to create needs for
     us to spend it on.
  • And who is behind the force of our culture
  • The angel of Light – our enemy!!
1 Peter 5:8 8 Stay alert! Watch out for your great enemy,
the devil. He prowls around like a roaring lion, looking
for someone to devour. NLT
  • He creates needs
  • He convinces us to spend on created needs–not real needs
  • He devours our money
  • We lose our chance at eternal opportunities
  • And too late we realize our mistake

If we are to spend wisely – We must look to the Lord to help us
in our purchases --- to recreate our thinking
   • Not money magazine
   • Not some spokesperson on TV
   • Not some pop culture icon – musician or actor
   • But Jesus!!

And lest we think He will be a party pooper
  • Never letting us have any fun
  • A real tightwad
              It was Jesus who made the best wine at the
              wedding in Cana

              It was Jesus who was accused of being a glutton
              and drunkard because he enjoyed the feasts He
              was invited to
              It was through Jesus that all things were created
              for the human race to reign over and enjoy

  • Let Jesus fill out your shopping list!!
So what might govern the filling out of our shopping list?

Matthew 6 19 “Don’t store up treasures here on earth,
where moths eat them and rust destroys them, and
where thieves break in and steal. 20 Store your
treasures in heaven, where moths and rust cannot
destroy, and thieves do not break in and steal. 21
Wherever your treasure is, there the desires of your
heart will also be. NLT

  • Jesus isn’t making a statement about saving in a bank
    instead of under your mattress!
         Although – a mattress might have worked better for
         some people a few years back!!!
  • He’s talking about investing/spending on eternal things
         And the only eternal things are the Word of God and

If we are to spend more wisely, more investing in people would
be one way to accomplish this
   • Not just on missionaries or the under-resourced
   • But on things that involve an investment in people

Philippians 2 Not just looking out for your own interests, but
also for the interests of others
  • Figuring out ways to make memories with family
          I remember figuring out how we might put in an above
          ground pool – not for me but for the kids!
          All my effort was about making memories-me a hot tub
  •   Parents foregoing their own wants in order to provide an
      opportunity for their children
  •   Looking at retirement as a time where you might be able to
      invest time and money in people
  •   Taking a vacation with a purpose of serving people
  •   Looking at the resources that God has allowed you to have
      and thinking about ways you might use them to benefit
      others and not just yourself.

What treasures are you spending your money on?

As we close this morning I have to at least mention the idea of
having a budget.
    There are a variety of ways to budget
    I sure don’t know a lot about this area

    If you don’t have a basic plan to guide spending
    You are at the mercy of your emotions
    Emotions will not help you spend wisely

So there is wisdom in creating a guide for your spending that is
created without emotion
    It can help you spend more wisely
    It can help you invest in people
    It can help you stay on track so that at years end you are
    not disappointed with your money usage

Spending wisely is about money serving us
  • So we can take advantage of opportunities not planned or
    even imagined
  • And we can invest more in people – that eternal resource
    that is all around us.

In just a moment we will be remembering the greatest
expenditure known to humankind……
The son of God ----- Jesus Christ!

Our Father spent everything so that we might be rescued from
taking the wide road to destruction
1 Peter 1 18 For you know that God paid a ransom to save you
from the empty life you inherited from your ancestors. And the
ransom he paid was not mere gold or silver. 19 It was the
precious blood of Christ, the sinless, spotless Lamb of God.
   God chose him as your ransom long before the world began,
but he has now revealed him to you in these last days.

What an example of wise spending we have in the cross
 • Allowing His own values to guide His spending
 • Investing in eternal treasure – people
 • Spending on others – not just for Himself

Make no mistake – at the core of God’s spending
 • His passionate desire to enjoy us for all eternity!!!
 • His longing to make memories with us
 • His vision to spend a great amount in the short term for the
   greater benefit in the long term
 • The cross is his active proclamation that we have the
   utmost value to Him!!
        He put His money where His mouth was!!

As we remember His sacrificial spending of His Son
  •   May it begin to flavor our expenditures this week
  •   May it recreate our thinking about spending
  •   May it lead us to spend wisely on eternity
  •   May we become a product of His example and His genes!
         Because after all, WE ARE HIS CHILDREN

1 Corinthians 6:20 20 for God bought you with a high
price. So you must honor God with your life.
    [remember to explain the communion]


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