ACT YOUR

WAGE

PROVERBS 13:7

One pretends to be rich, yet has nothing; another pretends to be poor, yet has great wealth.

PROVERBS 12:9

Better to be a nobody and yet have a servant than pretend to be somebody and have no food.

TWO GROUPSOF PEOPLE

1. THE HAVES

2. THE HAVE NOTS

and they have not paid… yet.

WHAT’S THEPROBLEM?

PROVERBS 22:7

7 The rich rule over the poor, and the borrower is slave to the lender.

WHAT IS ANOTHER FOUNDATIONAL

PROBLEM?

We have learned to ask the wrong questions.

“How much money down is this going to

take?”

“How much is it going to cost

a month?

Instead of asking how much is the real cost?

“What’s the most I can get into for the least down.”

And we have forgotten to ask what is the real cost, not just the financial cost, but the lost opportunity costs where we can’t give, where our marriages are stressed because we are fighting and worrying about finances,

Where we can’t give our kids opportunities because we have bought things that we didn’t need with money that we didn’t have to impress people that we don’t even know. Bondage. Pretenders.

WHAT IS THE REAL COST OF OUR UNBIBLICAL

STEWARDSHIP?

DEBT

Today we believe debt is normal. Debt is necessary. Few years ago, few are borrowing, no credit cards etc but now almost everybody has loan and has credit cards, some not one card but many cards.

That’s how fast our mindset has changed.

WHAT IS THE REAL COST?

HOW MUCH DO YOU THINK THEY OWE IN CREDIT

CARD DEBT

HOW MUCH INTEREST ON

CREDIT CARDS?3 TO 3.5% PER

MONTH

HOW TO GET OUT OF DEBT?

We must pray to God first before buying something.

You are to make decisions based on decisions that God gave you.

We are going to have self-discipline.

PROVERBS 25:28

Like a city whose walls are broken throughis a person who lacks self-control.

If you don’t have control of your money or any area of your life, you  are  like  a  city whose walls are broken down.

We are going to learn to say, “No,” for a little while, so that we can say, “Yes,” for the rest of our lives.

We are going to invest.

We are going to pay off debt

PROVERBS 21:5

5 The plans of the diligent lead to profit as surely as haste leads to poverty.

We are going to make a plan:

1. We are planning for emergencies.

2. We are going to eliminate overhead.

3. We are going to build our reserve fund.

4. We have to plan on buying big items.

WHAT’S OUR PROBLEM?

Our problem  is, we are bent  toward sin.   We are sinners by nature, and because of that,  we  tend  to  love  the  things  in  this world  that  we  think  they  will  bring satisfaction.

Only Jesus can give us the total satisfaction

in life.