Tag Archive | Money

Gradually Becoming Obedient? Working Toward Perfection

Yesterday I posted a quote from a bulletin and asked some questions about it.

Some people who are not tithing wonder if they can “work their way up to a tithe” by increasing their giving some each year until they reach 10%. This question is not addressed in the Bible because tithing is an act of obedience, and you cannot be partially obedient or work your way into obedience. There is no other issue of obedience in which we would suggest that we would gradually become obedient.

hmkjr’s comment was that the amount of a tithe or even the term tithe as a command was not to be found in the New Testament.

Celeste’s comment agreed with Hmkjr’s but also added that since everything we have belongs to Christ, we should be willing to give what the Lord leads us to. Sometimes even to uncomfortable levels.

I had several thoughts upon reading this quote.

1) Tithing – See tithing is not something that is reiterated in the New Testament although giving is encouraged throughout the New Testament. Many times Paul encourages the churches to gather a collection for others before he comes. But there is one overriding point to the giving the heart!

2 Corinthians 9:7 Each one must give as he has made up his mind, not reluctantly or under compulsion, for God loves a cheerful giver. ESV

I love the Greek word for cheerful! Hilaros think hilarious. That is how eagerly we should be giving to the Lord and to His Ministries. Do you give hilariously?

But in this same passage are warnings to not be giving unwillingly or under compulsion.

2 Corinthians 9:5-7
5 So I thought it necessary to urge the brothers to go on ahead to you and arrange in advance for the gift you have promised, so that it may be ready as a willing gift, not as an exaction.
6 The point is this: whoever sows sparingly will also reap sparingly, and whoever sows bountifully will also reap bountifully.
7 Each one must give as he has made up his mind, not reluctantly or under compulsion, for God loves a cheerful giver
. ESV

Look at the words used:

Willing verses exaction,

Made up his mind verses compulsion,

Cheerful verses reluctantly,

The word for exaction is ‎pleonexia which can mean fraud or extortion. Many times churches will encourage others to give almost to the point of extortion or compelling members that they must give in order to be blessed, for example, Prosperity Gospel type churches. However, the Lord is clear that He loves a cheerful giver not one that feels forced to give.

A sermon we heard Sunday and dora also pointed out Hebrews 7. Hebrews 7 mentions tithing but my understanding of Hebrews 7 is that the tithe is in relation to the Priesthood. In other words, a greater than Aaron or Levi is here, a priest in the type of Melchizedek. Then Chapter 8 of Hebrews tells us that there is a better covenant than the old covenant.

Hebrews 8:6-7
6 But as it is, Christ has obtained a ministry that is as much more excellent than the old as the covenant he mediates is better, since it is enacted on better promises.
7 For if that first covenant had been faultless, there would have been no occasion to look for a second.
ESV

In the new Covenant, a tithe is not reiterated. But the cheerful (hilarious) giving is encouraged.

2) 10% – I find the focus on a percentage strange in this case. See it is as if 10% was the only option. Is 10% the only option? Now I’m not going to go into where the 10% figure comes from because most will have a general idea about the 10%.

But if 10% is the requirement as this implies can a person not ever be obedient without giving 10%? What if they want to give more than 20%?

hmkjr’s second comment yesterday points out an interesting dilemma many people find themselves in.

What happens when your debt has gotten out of control? Is it ever acceptable to use the money that you would have tithed to pay off debt? See debt can be a form of stealing from others and there is many verses that show that when we are in debt we are slaves to our lenders.

Proverbs 22:7 The rich rules over the poor, and the borrower is the slave of the lender. ESV

God desires of us to not be slaves to sin, the world or our debt. So can paying to get out of slavery be an acceptable use of the money that would be tithed?

3) Obedience – But here is my biggest concern. Terry noticed this issue as it applies to other areas of our lives. It is with this portion of the quote:

“… you cannot be partially obedient or work your way into obedience. There is no other issue of obedience in which we would suggest that we would gradually become obedient.”

Read that twice.

You cannot be partially obedient?

Work your way into obedience?

Gradually become obedient?

While granted this is taking about tithing and with a set amount – 10%. But it does bring up the question of other obedience. Is there really “no other issue in which we would suggest that we would gradually become obedient”?

If not we are all doomed. See I don’t know about you but I have never been perfectly obedient in my life. Although I strive daily to become more and more obedient, I haven’t achieved perfection. Will I ever? Not here on earth. While it is good to encourage obedience, even perfect obedience, dare we not at least encourage a gradual change to obedience?

What growing and maturing Christian

has not found that the closer to perfect obedience they get,

the farther away they find themselves?

When I think I have a small portion of my life under control and think that I’m not disobeying in this particular area, the Lord is sure to show me that I am wrong and my vision of obedience is nothing like His vision of obedience for me.

Now granted there are some areas of our lives that when we become a Believer we should immediately turn away from. Things that come to my mind are drunkenness, violence, sexual immorality, stealing and blaspheming the Lord’s name. But even though we should turn and flee these sins, thankfully our Lord is a Lord of grace and mercy and if we were to stumble He will lovingly forgive us when we repent.

Yet there are many areas of a Believer’s life that while the change maybe dramatic especially if they became a Christian while an adult, they still would not be perfectly obedient. Terry mentioned some of these areas in her comment. Others that come to my mind are patience, our speech, controlling our temper, putting others before ourselves, sharing the gospel with others and praying without ceasing. While the ideal is to do all these things perfectly, who has?

So that is my question about this portion of the quote:

“… you cannot be partially obedient or work your way into obedience. There is no other issue of obedience in which we would suggest that we would gradually become obedient.”

While it is good to encourage obedience, and perfect obedience at that, can we not also encourage a gradual move toward more and more obedience?

This is where I find the differences between the Old Covenant and the New Covenant. In the Old Covenant the Jews had check lists of things they should do. There was a definite amount to tithe, there were ceremonies that must be performed and there were rules to obey. They could honestly like the rich young ruler feel that they had done it all and perfectly.

However, when Jesus walked here on Earth He spent much of His time showing that the Jewish understand of perfect obedience was flawed.

They could say I have not committed adultery, thinking they were perfect in that area, yet Jesus pointed out their imperfect obedience.

Matthew 5:27-28
27 “You have heard that it was said, ‘You shall not commit adultery.’
28 But I say to you that everyone who looks at a woman with lustful intent has already committed adultery with her in his heart.
ESV

They could say they tithed, right down to the spices in the cabinet, yet Jesus could point out they had misused their money, time and efforts.

Luke 11:42 “But woe to you Pharisees! For you tithe mint and rue and every herb, and neglect justice and the love of God. These you ought to have done, without neglecting the others. ESV

They could give large sums to God, yet Jesus pointed out that they were dishonoring their parents in the process.

Mark 7:10-13
10 For Moses said, ‘Honor your father and your mother’; and, ‘Whoever reviles father or mother must surely die.’
11 But you say, ‘If a man tells his father or his mother, Whatever you would have gained from me is Corban’ (that is, given to God) —
12 then you no longer permit him to do anything for his father or mother,
13 thus making void the word of God by your tradition that you have handed down. And many such things you do.”
ESV

So my understanding with tithing and obedience is that once you put a line or point as the final goal we have misunderstood the whole point of the New Covenant. Once we say that 10% is the amount we should return to the Lord, we have gotten back to the Jewish legalistic system. There is more to cheerful giving than a 10% amount it is the heart. Once we say if I don’t raise my voice once during the day at the children, I have achieved patience, we have missed the boat because there is more to patience than just that. Now that doesn’t mean we cannot set goals for ourselves but if we are ever content with our personal, manmade goals we have failed.

It truly is matter of the heart.



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Gradually Becoming Obedient?

A church that we are familiar with had this in their bulletin in a discussion about tithing:

Some people who are not tithing wonder if they can “work their way up to a tithe” by increasing their giving some each year until they reach 10%. This question is not addressed in the Bible because tithing is an act of obedience, and you cannot be partially obedient or work your way into obedience. There is no other issue of obedience in which we would suggest that we would gradually become obedient.

What is your reaction to a statement like that?

Think about this in relation to things other than tithes.

Is this an accurate statement?

What does the Bible say about obedience?



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And “You” Think Finances Are Tight?

I have been made aware of a young family that is working hard at living off of under $1000 dollars a month. The young mom, Emily, is working hard, at home, in order to be able to be home with her children. How many families are living at this level of income and yet the mother is dedicated to being home with her children and being obedient to the Lord.

Give her website a visit. Under $1000 per Month: How a Family of Four Happily Thrives on Less Than $1000 a Month.

Thankfully, we have been blessed and do not have to live on such a tight budget. But even so I have learned something from her website. Cooking Bread in a CrockPot This could be useful sometime, such as in a hotel or camping.

I must admit that I’ve also been convicted about spending so much just because I can spend it.

There have been many negative comments that have been critical of the way her family is living, especially the fact that they still tithe while making so little.  While I might not have made all the same choices she has made, I would work just as hard at being home with the children.

Pray that her husband gets a good raise or an even better job.


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I Can’t Afford to ….

Sometimes it is interesting how when I have been writing on a certain topic I seem to run across others discussing the same issue. Maybe they just catch my eye more or maybe when the Lord lays a topic on one person’s heart He also lays it on others.

Anyway, I read this post last night and was surprised at how closely it fit with my discussion of I Can’t Be a “Keeper At Home” Because … of the wife’s part in My Husband Wants Me to Work.

I cannot begin to tell you how many times I have heard this statement

You’re so lucky. I wish I could stay home with my children but I just can’t afford it.”

An open letter to working moms by Kim at Life in a Shoe:

Dear Working Mom,

I see you nearly every time I’m out with my children. Sometimes you are very young, sometimes you look older. You might look happy one day and tired or stressed the next. You are different every time I meet you, but you say the same thing to me nearly every time: “You’re so lucky. I wish I could stay home with my children but I just can’t afford it.” …


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Two Incomes, Is It Worth It?

Think the wife working is helping the family get by?

Have you really done the math?

This is a totally secular source but just see what your extra income will really net your family.

Are two wage earners really better than one?

Below is the example given on the site:

Enter your information here
Your annual income and taxes

Annual income from one wage earner~~~~~~~~~~~~~~~~~~~~$45,000
Annual income from two wage earners~~~~~~~~~~~~~~~~~~~$65,000
How many hours per week would the second wage earner work?~~20 hours
Average tax rate with just one wage earner~~~~~~~~~~~~~~~~~10.0%
Average tax rate with two wage earners~~~~~~~~~~~~~~~~~~~15.0%

Additional monthly work-related expenses

Child care~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~$300
Clothing~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~$50
Dry cleaning~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~$50
Commuting costs~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~$150
Unreimbursed work expenses~~~~~~~~~~~~~~~~~~~~~~~~~~~~$50

Increased monthly lifestyle expenses

Having two wage earners often means spending more on dining out or hiring additional services such as housecleaners. How much would these costs increase for you?

Entertainment~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~$50
Dining out~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~$200
Additional services~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~$100

Results
Another salary would change your annual household income by ~~~~$3,350
Additional dollars earned per hour~~~~~~~~~~~~~~~~~~~~~~~~~$3.35
Additional income from second wage earner~~~~~~~~~~~~~~~~~$20,000
Additional tax incurred~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~$5,250
Additional related expenses~~~~~~~~~~~~~~~~~~~~~~~~~~~~~$11,400
Net additional household income~~~~~~~~~~~~~~~~~~~~~~~~~~$3,350

Click this link and enter your family financial numbers. Try to get it as accurate as possible.

The following links from the same site may also be helpful in shaving expenses.

Parents, ward off ‘childhood affluenza’

Does Johnny really need a cell phone?

Please remember though that this is a secular source for information. Be sure to check all advice out according to Scripture.

==============================================================
Now honestly evaluate your family’s income.

How little is the wife really working for? $3.35 an hour isn’t worth it is it?

Do you really know what the extra expenses are for your family when the wife works?

Spend a month recording everything that is spent. Right down to the coffee or colas at work and the kids MacDonald’s Happy Meals.

Beside each expense mark whether it is work related or if it could possibly be eliminated with the wife home each day.


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Explanation

After my last post My Husband Wants Me to Work – Is the Wife Responsible? , I just want to be clear that I wasn’t judging any of the things listed as being sinful and wrong. Just that some of these can be excessive and lead to sin.

Most of these activities are not sinful but when they are excesses that affect the family’s finances they can be serious problems.

What I mean is that there are wives and mothers who blame their husband for their not being able to stay home with the children. The husband expects the wife to work but when it is seriously considered the truth is that the wife’s excesses are damaging the family finances. Then it would be sinful and wrong for the wife to blame the husband and make excuses that “My husband wants me to work.” When in fact the wife is over spending and causing this problem.

It is not my intention to judge anyone for the house that they live in or the car they drive. That was not the point. The point is that if your spending on extras and excesses is causing finances to be difficult or making you have to work, then you maybe sinning. Or if your discontent is affecting your husband, then maybe you should reevaluate it.

There is enough Biblical evidence to show that mothers should be home and available to raise their children unto the Lord. There is also evidence that wives should not be placing bosses and other men over themselves instead of their husbands.

Will I say 100%, absolutely, every single time that wives and mother are to never work outside the house? No. That will be something that has to be directed by the Lord and His Word. However, many women have never even given the matter serious consideration. But I will say that the Bible is clear that wives and mothers should be typically be home and available to their families.

For example, I have no qualms telling others they should wear clothing and modest clothing at that. Especially in public! However, will I say that 100%, absolutely every single time a Christian believer should wear modest clothing in public. Nope. Because then if I did I would reveal how little I really know about the Bible.

See even Isaiah was told by the Lord to walk naked for three years in public as a sign to others.

Isaiah 20:2-4
2 at that time the Lord spoke by Isaiah the son of Amoz, saying, “Go, and loose the sackcloth from your waist and take off your sandals from your feet,” and he did so, walking naked and barefoot.
3 Then the Lord said, “As my servant Isaiah has walked naked and barefoot for three years as a sign and a portent against Egypt and Cush,
4 so shall the king of Assyria lead away the Egyptian captives and the Cushite exiles, both the young and the old, naked and barefoot, with buttocks uncovered, the nakedness of Egypt.
ESV

Yet even so, I have no qualms telling another that they should wear clothes and dress modestly. The Lord is welcome to instruct them otherwise and they should be obedient. Just make sure you are an “Isaiah” being spoken to by the Lord.

Just the same, I have no trouble telling a mother that they should stay home with their children and raise them in the nourishment and admonition of the Lord. Might there be exceptions, there might, but what woman will ever on her deathbed regret not having worked more? I think the evidence is clear both Biblically and in society that children need the continual guidance and teaching of a mother available at all times not just 5PM – 9PM.

Does it matter if you live in a shack, a small house, or a ten-bedroom mansion? It depends. It does not depend on the money spent for them though. What does matter is whether that money spent on the house was wisely invested or foolishly over spent in excess. Where a ten bedroom house might be a wise investment for the Duggars, it might be unwise for a family of five who must take out huge loans to finance it. However, it the family of five saved for years and spent no more than they could afford but still bought the house then so be it. Maybe they desire to house missionaries on furlough, foster children, or run a home business, etc. The key is the heart and staying within the finances the Lord has provided.

Do I care what a person wears or how much they spent on it? Yes and no. I don’t care whether you wear dresses or pants, expensive clothes or clothes from the thrift store. However when in public I normally wear dresses, not because I feel I have to, but I prefer to and in order to not be offensive to others. I don’t even know the most expensive labels and really care about them only if they are advertised in offensive ways, think Abercrombie. My children have worn clothing that many might assume I spent a lot for due to the label or style, however they would find the clothing was given to us or purchased at the thrift store for no more than a couple of dollars.

Yet I will be very judgmental if you are dressed immodestly. If I know you, I just might say something to you. Why? Is this not a personal decision? It is until it affects my family and then it is no longer personal. We must guard our eyes and the eyes of our children.

It would be very easy for another to judge my family just by a casual glance. We have several acres and some might consider that excessive. We have a relatively nice house which some might consider excessive, however since we only have three bedrooms for seven it is a tight squeeze. Eating out is usually once a week, that is something my husband chooses to do and it is often a ministry opportunity when we include others. We have two newer cars (2000’s) that some might deem excessive. However, my husband drives quite a bit for work and he ends up with 200,000 miles on a car that might be just six or seven years old. I have a car because we live so far away from the cities and travel is a must especially when he is out of town.

So it would be very easy for another to judge us as excessive without knowing us. But the key is we are living within our means and are able to share with other churches, ministries and individuals on a regular basis.

However, if we were living the same way and running up credit card debt, unable to help others and I was unable to stay home with my children then we should evaluate our lifestyle. That is why I suggested asking a friend that knows you and or asking your husband. They are better able to help you make wise choices.

But by no means should I blame my husband if my excesses where the reason for him saying I must work and not be home with the children.



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My Husband Wants Me to Work – Is the Wife Responsible?

3. My Husband Wants Me To Work

As I continue discussing I Can’t Be a “Keeper At Home” Because … this is the wife’s part of My Husband Wants Me to Work.

What if your husband’s desire for you to work is due to sin in your life?

It is so easy to recognize problems another is having but it is much harder to be aware of our own sin.

Wives need to be sure that sinful behaviors and attitudes of their own are not the cause for a husband wanting the wife to work.

Sinful behaviors that might cause a husband to say a wife must work.

1. Over Spending

Do you spend too much money each month? Does the balance on the credit cards continue to go up while you are only able to pay the minimum? Are you a regular at the mall?

You are the slave to whomever you owe money!

Proverbs 22:7 The rich rules over the poor, and the borrower is the slave of the lender. ESV

2. Poor meal planning

Do you spend too much on groceries by buying prepackaged meals and instant meals? Are you constantly having to buy fast food to feed the family due to time issues and poor planning?

Proverbs 6:6-8
6 Go to the ant, O sluggard; consider her ways, and be wise.
7 Without having any chief, officer, or ruler,
8 she prepares her bread in summer and gathers her food in harvest.
ESV

Proverbs 31:15 She rises while it is yet night and provides food for her household and portions for her maidens. ESV

3. Expensive hobbies

Do your hobbies eat up too much money? Does scrap book supplies eat all the excess money? Are you constantly starting a new craft idea, with the all the necessary supplies, yet never profiting from it.

Proverbs 12:11 Whoever works his land will have plenty of bread, but he who follows worthless pursuits lacks sense. ESV

Proverbs 31:18 She perceives that her merchandise is profitable. ESV

4. Personal care

Is a $40 plus haircut every six weeks a necessary item? Does perming, straightening and coloring eat up $100’s of dollars a year? What about fancy braiding or hair pieces?

Do you purchase salon shampoo and all the extra sprays, gels, and other products? What about tanning booths and waxing? Manicures and pedicure? Expensive perfume? Makeup?

Proverbs 31:30 Charm is deceitful, and beauty is vain, but a woman who fears the Lord is to be praised. ESV

1 Timothy 2:9-10
9 likewise also that women should adorn themselves in respectable apparel, with modesty and self-control, not with braided hair and gold or pearls or costly attire,
10 but with what is proper for women who profess godliness—with good works.
ESV

5. Clothing

Where do your purchase your clothing? Malls and boutiques? Must you have the latest style? Do you have clothes that have never been worn sitting in your closet? How many pairs of shoes (i.e. Imelda R. Marcos)? Do you change purses as often as clothes?

Proverbs 31:17 She dresses herself with strength and makes her arms strong. ESV

Proverbs 31:25 Strength and dignity are her clothing, and she laughs at the time to come. ESV

1 Timothy 2:9-10
9 likewise also that women should adorn themselves in respectable apparel, with modesty and self-control, not with braided hair and gold or pearls or costly attire,
10 but with what is proper for women who profess godliness—with good works.
ESV

6. Luxury items

Expensive coffees and lattes ($5 for 200 days = $1000). Magazine subscriptions? Are you fond of jewelry? Even costume jewelry adds up in price.

Luke 15:13 Not many days later, the younger son gathered all he had and took a journey into a far country, and there he squandered his property in reckless living. ESV

7. Discontent

Do you talk constantly about wanting a larger house or a new car? Moving to a more upscale neighborhood? Want to take big trips such as skiing and the beach?

Furniture is too old and outdated? Need new carpets? Want to remodel the kitchen?

Philippians 4:11-13
11 Not that I am speaking of being in need, for I have learned in whatever situation I am to be content.
12 I know how to be brought low, and I know how to abound. In any and every circumstance, I have learned the secret of facing plenty and hunger, abundance and need.
13 I can do all things through him who strengthens me.
ESV

1 Timothy 6:6 Now there is great gain in godliness with contentment, … ESV

8. Lazy

Do you pay others to do what you could do yourself? Do you pay $10 – $15 dollars for the kids haircuts when you can do them yourself for much cheaper? Do you want a maid? Pay for lawn work that you could do?

Proverbs 13:4 The soul of the sluggard craves and gets nothing, while the soul of the diligent is richly supplied. ESV

Proverbs 31:27 She looks well to the ways of her household and does not eat the bread of idleness. ESV

9. Expensive habits

Movies, cable TV and cell phones eating all your money? Do the children really need cell phones with unlimited calling and text messaging? There is a never ending list of items that could eventually eat away at your money.

Ecclesiastes 5:10 He who loves money will not be satisfied with money, nor he who loves wealth with his income; this also is vanity. ESV

10. Shopping to feel good

Do you go shopping when stressed? Do you buy things in order to lift your spirits?

Proverbs 25:28 A man without self-control is like a city broken into and left without walls. ESV

11. Living without any cushion

Does your family spend all the money each month such that when an emergency occurs it must be charged on credit cards? If the washing machine tears up must you take out a loan or use credit? Do you not keep any money set aside for emergency repairs and expenses? Remember something will break you can count on it!

Proverbs 13:11 Wealth gained hastily will dwindle, but whoever gathers little by little will increase it. ESV

Proverbs 22:3 The prudent sees danger and hides himself, but the simple go on and suffer for it. ESV

12. Are you paying the “foolish tax?”

I don’t remember where I heard this term but it is fitting. Is your family still paying for foolish mistakes from years ago? Like still paying for the large TV that got broken. Paying for college loans and yet you aren’t even working in that field? Paying for a house you had to sell at a loss? Making payments on a car that you don’t have? Paying for a vacation that you hardly remember anymore? Still paying for Christmas presents that the kids didn’t like anyway or broke the first week?

Count the cost:

Luke 14:28-30
28 For which of you, desiring to build a tower, does not S first sit down and count the cost, whether he has enough to complete it?
29 Otherwise, when he has laid a foundation and is not able to finish, all who see it begin to mock him,
30 saying, ‘This man began to build and was not able to finish.’
ESV

13. Spoiled children

Must your children have stylish clothes? Do your children insist on certain brands and labels? Coloring, perming and styling children’s hair? Won’t wear hand-me-downs?

Can you not walk in your child’s room for the number of toys strewn everywhere? Video games, Cd’s and Wii eating up your money? Cell phones for each child?

Does your child refuse to take a lunch to school? Drink colas all day instead of water or cheaper drinks? Always snacking on chips, candy bars and ice cream instead of fruit? Picky eaters? Eating expensive cereals and breakfast items instead of cheaper items?

Are you stopping at Mickey D’s for meals? Buying “Happy Meals” instead of cheaper items? Ordering pizza is a regular meal?

Are your children always wanting what they see on TV?

What about sports and after school activities? How much do you really spend on these things when added up? Fees, uniforms, trips, travel, food, snacks and stress all add up.

Are you setting your child up for future failure by giving them too much and not requiring them to work for it?

Proverbs 22:6 Train up a child in the way he should go; even when he is old he will not depart from it. ESV

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Surely no one does all of these things. You may actually do very few of them. But we all tend to have our areas of weakness where we easily fall into temptation. The problem is we rarely recognize it in ourselves.

Most of these activities are not sinful but when they are excesses that affect the family’s finances they can be serious problems.

Try asking a trusted friend. A real friend, one that is not shy about telling you exactly what she thinks without mincing words. Ask her where she sees you and your family spending too much money. Ask what she sees as excesses in your life that could be weeded out.

If you are really, brave and want to honestly know, ask your husband where he thinks you are over spending.

But be sure to prayerfully consider the advice instead of becoming defensive about it.

But be honest and admit that there are spending habits that you may have that affect your whole family and may be the reason your husband says you must work.



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My Husband Doesn’t Make Enough Money

This is a continuation of I Can’t Be a “Keeper At Home” Because ….

2. My Husband Doesn’t Make Enough Money

This is a very common reason for mothers to work. Many mothers would say that they would be glad to stay home with their children if their husband made more money with his job.

How much money is enough?

Does anyone ever make enough money?

Even the very rich work hard at making more money, so at what point will you have made enough?

See my point? If a family of four makes 20,000 a year, then they might think 30,000 would be enough. Yet a family of four making 30,000 might think 40,000 a year would be enough.

Merriam-Webster’s defines enough “as occurring in such quantity, quality, or scope as to fully meet demands, needs, or expectations.”

None of us ever get all our needs and expectations met. Even if we were content for a while in a small two bedroom house eventually society and advertising will take away our contentment.

While many people can quote the phrase that “money is the root of all evil.” Very few can remember that the beginning of that passage is talking about being content with food and clothing.

1 Timothy 6:6-10

6 Now there is great gain in godliness with contentment,
7 for we brought nothing into the world, and we cannot take anything out of the world.
8 But if we have food and clothing, with these we will be content.
9 But those who desire to be rich fall into temptation, into a snare, into many senseless and harmful desires that plunge people into ruin and destruction.
10 For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs.
ESV

The number of verses concerning money are tremendous in the Bible. Just search for them yourself using a Bible program.

Ecclesiastes 5:10-11

10 He who loves money will not be satisfied with money, nor he who loves wealth with his income; this also is vanity.
11 When goods increase, they increase who eat them, and what advantage has their owner but to see them with his eyes?
ESV

Surely most people realize that the more income you have the more everyone and everything take it away. The government will penalize you for making too much money. The more valuable your house and cars the more taxes and insurance you must pay. It becomes a vicious cycle. Making more money to have to pay more money.

Have you cut out expenses as much as possible?

Do items like cable TV, magazine subscriptions, Starbucks coffee, and new clothes eat up your husband’s income such that you “have” to work?

Does having a nice home, with each child in their own bedroom, eat more than its fair share of your husband’s income? Maybe a smaller less expensive house would allow you to spend more time with the children.

Luke 12:15 And he said to them, “Take care, and be on your guard against all covetousness, for one’s life does not consist in the abundance of his possessions.” ESV


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We Can’t Afford My Being Home

Philippians 4:19 And my God will supply every need of yours according to his riches in glory in Christ Jesus. ESV

“Sixteen out of 38 of Christ’s parables deal with money;

more is said in the New Testament about money

than Heaven and Hell combined;

five times more is said about money than prayer;

and while there are 500-plus verses on both prayer and faith,

there are over 2,000 verses dealing with money and possessions.”

~~~~~~~~~~~~~

John MacArthur, Jr.


Matthew 6:24 “No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.” ESV

1 Timothy 6:6-10

6 Now there is great gain in godliness with contentment,
7 for we brought nothing into the world, and we cannot take anything out of the world.
8 But if we have food and clothing, with these we will be content.
9 But those who desire to be rich fall into temptation, into a snare, into many senseless and harmful desires that plunge people into ruin and destruction.
10 For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs.
ESV


The KJV says: “pierced themselves through with many sorrows.”


What sorrows will be yours if working for the extra car, that vacation, the college education or the extra curricular activities takes the place of being a “Keeper at Home”?

Now many will say that they are not working for the extras but for the basics. That the husband’s income is not enough.

Are you sure that everything that the money is being spent on is a true need or is it a perceived need?


Millions call themselves by His Name, it is true, and pay some token of respect to Him, but a simple test will show how little He is really honored among them. Let the average man be put to the proof on the question of who or what is above, and his true choice between God and money, between God and man, between God and personal ambition, God and self, God and human love, and God will take second place every time. However the man may protest the proof is in the choices he makes day after day throughout his life.”

~~~~~~~~~~~~~

Tozer

You see, income is not the problem. Spending more than one’s income is the problem. So reducing living expenses is the first step to finding money you never knew you had.”

~~~~~~~~~~~~

Ron Blue, Master Your Money, a Christian Financial Counseling service


Hebrews 13:5-6

5 Keep your life free from love of money, and be content with what you have, for he has said, “I will never leave you nor forsake you.”
6 So we can confidently say, “The Lord is my helper; I will not fear; what can man do to me?”
ESV


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