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Christina Cook Lee

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Finances

Finances

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AUGUST 18

Focus: Money matters

Romans 13:7-8 (NIV) Give to everyone what you owe them: If you owe taxes, pay taxes; if revenue, then revenue; if respect, then respect; if honor, then honor. Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law.

Money, or the lack of money is one of the primary causes of depression for many people. You owe money you haven’t paid, or somebody owes you and they’re not paying. Either way, this kind of a problem can cause you to be distracted or offended because of the guilt you feel.

Let’s talk first about not paying bills. A long time ago, I was in a car accident and wasn’t able to work for a few weeks. I was young and inexperienced…and depressed. I had been sick for a few weeks before the accident and was already behind on my payments when I was seriously injured in the car crash. It didn’t matter that the wreck wasn’t my fault, the bills continued to come, anyway.

I was afraid, but had no idea what to do. I stopped opening the mail…which was a big mistake. In a sense, ‘I put my head in a hole’, thinking, ‘If I don’t look at it, maybe it will go away.’ That was pretty stupid.

I was given some advice that I thought wouldn’t work. It was suggested to me that I should call my creditors and ask them if I could pay part of the bill and start making small weekly payments to work toward paying it off. I thought there was no chance that kind of a plan would work, but I made the calls. I was surprised to find that most of my creditors were willing to work with me. I made the decision to get serious with the problem I had created and was able to get things paid off after a while. It took sacrifice and discipline, but it was worth it.

It’s not a good idea to spend money you don’t have, and it also isn’t good to not pay bills you owe. Not paying bills goes against how God wants us to live. It’s not honest to owe money and not pay it. God wants us to live honest lives. No wonder people get depressed when they haven’t paid their bills—they’re not being honest. As a result, guilt hangs over their heads and causes all kinds of other problems.

People have a tendency to become very defensive when they owe money they’re not paying. Communication becomes difficult. Often, people search for reasons why they shouldn’t have to pay what they owe, as an excuse.

No matter how hard someone tries to justify their reasons for not paying—the fact remains, they owe a debt that they agreed to pay. If the debt was owed to them—they would want the person who owed them, to pay it.

So, if we are living by the Word of God that tells us to live honestly and do unto others as we would want them to do unto us—then we’d better not act like the debt we agreed to pay—and haven’t paid, is somebody else’s fault. Ecclesiastes 5:5 says, ‘Better not to vow than to vow and not pay.’

What about when somebody owes you a debt they’re not paying? Years ago, I sold a retail business I had owned and operated, to a young couple. They were eager to purchase my business and I thought they seemed honest.

The couple agreed to pay me a reasonable amount for the inventory and we put together a payment plan that I knew would be fair, considering the store’s cash flow. I typed up a contract and took it to an attorney and the law office put the whole thing together in a very ‘legal looking’ document. We all had our signatures notarized and it looked like everything was going to work out great. I was moving out of state and was ready to have someone else take over the thriving little craft store I had worked hard to develop.

Only a couple of months after I moved, I stopped getting payments. The couple still owed me several thousand dollars. I went to another attorney in the state I had moved to. I was told the sobering news that I would have a hard time defending my contract, since it was a small business, and I now lived in another state.

This happened to me not once, but twice. It took a few years before I was able to forgive the people who had basically robbed me. I carried the resentment during those years and allowed it to affect my well-being. I finally just had to give my injured feelings to God and prayerfully release the people from responsibility—believing that God would take care of my needs without the money they weren’t willing to pay me. It’s not easy to let people off the hook when you’ve been offended, but when you do—your load is lighter.

Declaration: I will find new strength by being responsible with money matters. If I owe money—I will pay it. If I have wronged someone, I will attempt to make restitution. I will forgive and release those who have taken advantage of me, knowing God my Father forgave my sin—which was a debt I could never pay.

All NEW STRENGTH posts are Copyright by Christina Cook Lee as of the date they were written and posted. Please request permission to re-post or re-blog. This material will be published as a book in 2013, by the grace of God. To subscribe to New Strength, select ‘follow’ in the upper left corner of this page.

For music selections that will help bring hope and encouragement during your recovery from depression and addiction, browse: http://www.youtube.com/user/NewStrengthMusic/videos?view=1&flow=grid

Finances

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JULY 18

Focus: Generosity

2 Corinthians 9:7 So let each one give as he purposes in his heart not grudgingly or out of necessity, for God loves a cheerful giver.

I remember when my children were babies and how they loved their pacifier. It was an important possession to them. When they were tired or just needed pacifying—we’d put it in their mouth and they were content. The pacifier was as important to my husband and I as it was to our babies. If we didn’t know where it was—we’d hunt until we found it. We wouldn’t leave the house without it.

So, you can imagine how it touched our hearts to see each of them offer their pacifier to someone they truly loved. It was their most prized possession—but they were willing to offer it to someone they really cared about. I’ve seen other people’s babies do the same thing. It is one of the most touching sights you can see, when you understand that it’s their way of saying, ‘I love you this much’.

That is the kind of generosity God wants to see in us. The willingness to give something that gives us a lot of pleasure to someone we love. Babies don’t have money—but they willingly offer a blanket or a pacifier or a toy to someone as a way of showing their feelings.

Babies don’t have money to give and we may not, either. We may only have time and compassion or material things. But the Lord is interested in our hearts and how generous we are with what we have.

Jesus was interested in generosity. In Mark 12:41-44 we can read about another very touching example of generosity. ‘Now Jesus sat down opposite the treasury and watched the people putting money into the offering box. Many rich people put in large sums. And a poor widow came and put in two small copper coins, which make a penny. And He called His disciples to Him and said to them, “Truly, I say to you, this poor widow has put in more than all those people who are contributing to the offering box. For they all contributed out of their abundance, but she out of her poverty has put in everything she had, all she had to live on.” ’

Scripture makes it clear that we receive according to how we give. Luke 6:38 says, ‘Give, and it will be given to you. Good measure, pressed down, shaken together, running over, will be put into your lap. For with the measure you use it will be measured back to you.’

2 Corinthians 9:6 says, ‘But this I say: He who sows sparingly will also reap sparingly, and he who sows bountifully will also reap bountifully.

A thought occurred to me as I was writing out the verse from 2 Corinthians. I was remembering the faces of my babies as they held out their pacifier to the person they loved—they both had the most beautiful smile on their face and the love in their eyes was evident. That is the way God wants us to give. Not out of obligation or disgust—He want us to be delighted to give, and to give with all our heart.

Generosity is the way God knows our true intentions. Luke 16:10 says, ‘He who is faithful in what is least is faithful also in much; and he who is unjust in what is least is unjust also in much.’ This is how God knows people’s hearts—and it’s how we can know people’s hearts, too.

In Malachi 3:8-12 we read some sobering words: ‘Will a man rob God? Yet you have robed Me! But you say, “In what way have we robbed You?” In tithes and offerings. You are cursed with a curse, for you have robbed Me, even this whole nation. Bring all the tithes into the storehouse, that there may be food in My house, and try Me now it this,’ says the Lord of hosts, ‘If I will not open for you the windows of heaven and pour out for you such a blessing that there will not be room enough to receive it. And I will rebuke the devourer for your sakes, so that he will not destroy the fruit of your ground, nor shall the vine fail to bear fruit for you in the field.’ Says the Lord of hosts; ‘And all nations will call you blessed, for you will be a delightful land.’ Says the Lord of hosts.

Some people argue over whether the tithe (giving ten percent of our gross income) is something that was for the times before Christ or whether it is for today. The ten commandments were also given before Christ—yet we still believe we should live by them and do our best to obey them. Acts 20:35 says, ‘I have shown you in every way, by laboring like this, that you must support the weak. And remember the words of the Lord Jesus, that He said, ‘It is more blessed to give than to receive.’

Declaration: I will find new strength by living generously. I will search my heart for how I can give joyfully of my time, compassion, material things, and finances.

All NEW STRENGTH posts are Copyright by Christina Cook Lee as of the date they were written and posted. Please request permission to re-post or re-blog. This material will be published as a book in 2013, by the grace of God. To subscribe to New Strength, select ‘follow’ in the upper left corner of this page.

For music selections that will help bring hope and encouragement during your recovery from depression and addiction, browse: http://www.youtube.com/user/NewStrengthMusic/videos?view=1&flow=grid

 

 

 

Finances

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June 18 

Focus: Seeking God for wisdom in financial concerns 

Matthew 16:26 (NKJV) For what profit is it to a man if he gains the whole world, and loses his own soul? Or what will a man give in exchange for his soul?

A lack of finances could be a contributor to depression, but not all people who are depressed are suffering financially. People who have enough money are often obsessed with thoughts of fear about the possibility of poverty. It wouldn’t matter how much money they had—they would never be able to enjoy it because of their preoccupation with the possibility of loss.

Living in stress because of anxiety about the future is not the will of God—whether it has to do with finances or anything else. If we are consumed with anxiety—we have to be willing to admit a basic lack of trust in God. Not that we should sit back and expect that someone else will pay our way—not at all. God expects us to be willing to work.

2 Thessalonians 3:10 says, ‘If any does not work neither shall he eat’. 1 Timothy 5:8 says, ‘But if anyone does not provide for his own, and especially for those of his household, he has denied the faith and is worse than an unbeliever’.

While God expects us to work, he doesn’t expect us to be more consumed with money than with the things of the Spirit. 1 Timothy 6:10 tells us clearly that ‘The love of money is a root of all kinds of evil, for which some have strayed from the faith in their greediness, and pierced themselves through with many sorrows’.

When you’re having a hard time dealing with depressing thoughts—ask God for an assignment that will help you recover. Sometimes we can benefit by putting our heart into something that will help advance the kingdom of God.

Jesus told a story in Matthew 25:14-30 that is known as the parable of the talents. It goes like this:

“For the kingdom of heaven is like a man traveling to a far country, who called his own servants and delivered his goods to them. And to one he gave five talents, to another two, and to another one, to each according to his own ability; and immediately he went on a journey. Then he who had received the five talents went and traded with them, and made another five talents. And likewise he who had received two gained two more also. But he who had received one went and dug in the ground, and hid his lord’s money. After a long time the lord of those servants came and settled accounts with them.

“So he who had received five talents came and brought five other talents, saying, ‘Lord, you delivered to me five talents; look, I have gained five more talents besides them.’ His lord said to him, ‘Well done, good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your lord.’ He also who had received two talents came and said, ‘Lord, you delivered to me two talents; look, I have gained two more talents besides them.’ His lord said to him, ‘Well done, good and faithful servant; you have been faithful over a few things, I will make you ruler over many things. Enter into the joy of your lord.’

“Then he who had received the one talent came and said, ‘Lord, I knew you to be a hard man, reaping where you have not sown, and gathering where you have not scattered seed. And I was afraid, and went and hid your talent in the ground. Look, there you have what is yours.’

“But his lord answered and said to him, ‘You wicked and lazy servant, you knew that I reap where I have not sown, and gather where I have not scattered seed. So you ought to have deposited my money with the bankers, and at my coming I would have received back my own with interest. Therefore take the talent from him, and give it to him who has ten talents.

‘For to everyone who has, more will be given, and he will have abundance; but from him who does not have, even what he has will be taken away. And cast the unprofitable servant into the outer darkness. There will be weeping and gnashing of teeth.’

We are not saved by works, but Jesus was making it plain through this story that God does expect our life on this earth to yield results of eternal value. He has given us all something to work with and He intends that we will put what He has given us to work. It can be bewildering if you aren’t sure what God wants you to do for Him. If that is the case for you, just ask Him to tell you.  James 1:5 says, ‘If any of you lacks wisdom, let him ask of God, who gives to all liberally and without reproach, and it will be given to him’.

Declaration: I will find new strength by seeking God for the right balance in knowing what kind of work I should be doing and how much. I will take His Word to heart and apply it to myself.

All NEW STRENGTH posts are Copyright by Christina Cook Lee as of the date they were written and posted. Please request permission to re-post or re-blog. This material will be published as a book in 2013, by the grace of God. To subscribe to New Strength, select ‘follow’ in the upper left corner of this page.

For music selections that will help bring hope and encouragement during your recovery from depression and addiction, browse: http://www.youtube.com/user/NewStrengthMusic/videos?view=1&flow=grid

Finances

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May 18

Focus: Enjoying the game

Philippians 4:19 (KJV) But my God shall supply all your need according to his riches in glory by Christ Jesus.

Sometimes when we are in need of finances—the provision can come in other ways. We might be looking for pennies from heaven—but then something else happens to make what we have go further.

God is a good God. He is not stingy by any means, but He doesn’t always just hand out money when there is a pending need. He is highly creative and talented at providing ways for us to help ourselves or He may cause a shift in our situation to offset other demands to allow more flex.

In my lifetime, I have come to enjoy watching God solve my problems. I have been impressed over and over as He has worked through unexpected means to provide for me. There have been many times I have been helpless in human terms, but God has always made a way where there seemed to be no way.

I will say for sure that God doesn’t have a ‘set way’ of doing things. He likes to keep life interesting. He seems to use variety in the way He approaches our times of crisis. The way He rescues us one time will not be the same as the next—but you can be sure He will rescue.

Some people are in the habit of thinking they have to have everything ‘new’, or the latest and greatest. There were times in my life when I was like that, so I don’t condemn anyone who feels that way. At this point, I like adventure more than paying retail and God knows it. There are very few things I would consider paying full price for these days.

Truthfully, there aren’t very many things I actually need. The things I want, I can wait for—or watch for.

We happen to live in an area where there are excellent ‘Goodwill’ stores. I enjoy shopping, so I make a trip to Goodwill two or three times a month. Sometimes I walk out with nothing. Other times I walk out with hundreds of dollars worth of clothes or home furnishings that are like new which I was able to obtain for pennies on the dollar.

Like I said, I don’t really need anything, so if I find something to buy, it’s probably exceptional quality and an exceptional bargain, or I wouldn’t spend the money. If I happen to buy anything at a retail store—it will be something off the clearance rack or at least on sale.

My car is eleven years old. It has almost 176,000 miles on it, but it drives fine—so I will most likely keep it for at least a couple more years. It gets great mileage and we bought it when it was four years old for a good price.

God has a very amazing way of surprising me with ‘free things’. For instance, most of the furnishings in my home were either given to me or were things I found by the road. You’d be shocked at what people just throw away. I let go of my pride a long time ago and I also see it as God’s way of giving me little gifts and chuckles.

First, He inspires someone to believe they don’t want or need something anymore and that they should just put it out by the end of their driveway. Then—He will inspire me to drive by and find it. I could write a book about the detailed ways God has specifically met needs of mine, or supplied things for others—within very short spaces of time—when I just asked Him to ‘provide’. He is so good.

God is completely capable of making all things work for our good. When we are faithful to Him—He is faithful to us. Even when we don’t deserve some things—He gives them to us anyway. We just have to be aware that His ways are not our ways and that what we need may be supplied in an unconventional way. He is such a thoughtful parent.

Pride is something God hates. One of His goals in refining our character is to make us willing to be humble. Humility is not a natural tendency in human nature. People are like wild horses in some ways. In order for a horse to be useful, it has to be ‘broken’. Horses who haven’t been tamed can be reckless and dangerous animals. People who haven’t learned humility and who haven’t experienced brokenness can be reckless and dangerous, too. They can go through tons of money and have absolutely nothing to show for it.

Learning to be willing to receive in the creative ways God desires to give makes life so much more fun and interesting. It’s like a game. You never know when or how what you want or need, will appear—you just know it will.

Declaration: I will find new strength by losing my pride and embracing humility. I will not only trust God to supply my needs, but I will enjoy the game.

All NEW STRENGTH posts are Copyright by Christina Cook Lee as of the date they were written and posted. Please request permission to re-post or re-blog. This material will be published as a book in 2013, by the grace of God. To subscribe to New Strength, select ‘follow’ in the upper left corner of this page.

For music selections that will help bring hope and encouragement during your recovery from depression and addiction, browse: http://www.youtube.com/user/NewStrengthMusic/videos?view=1&flow=grid

 

 

 

 

 

 

 

Finances

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APRIL 18 

Focus: Recovering from financial loss

2 Corinthians 4:17-18 (NKJV) For our light affliction, which is but for a moment, is working for us a far more exceeding and eternal weight of glory, while we do not look at the things which are seen, but at the things which are not seen. For the things which are seen are temporary, but the things which are not seen are eternal.

When you’re in the middle of crisis resulting from financial loss there are a lot of things going on in your mind. An unexpected depression in your finances can bring about further depression in your emotions. You may feel as though you’ve suddenly been cast as a tight-rope walker—thrust out onto a ‘high wire’ in some sadistic circus act—with no safety net.

You try to move forward—but are barely keeping your balance. Reeling to and fro at the potential of falling off the thin wire—you know you should keep your eyes straight ahead, but voices in the crowd below keep screaming for your attention. Some of the ones making the most noise are panic, embarrassment, resentment, fear, anger, responsibility, and pessimism. Oh, how did you ever wind up in a place like this? How are you going to get off this wire? What if you fall?

Financial loss is no joking matter. Your shortfall could be the result of losing a full or part-time job—loss of child support—or the evaporation of your life’s savings due to fraud or the dip in the economy.

Whatever the cause, financial loss can be very discouraging. While you need to do some fast thinking and re-structuring, you can hardly function from the shock of your situation.

Times like these are when your faith is put to the test. All the things you’ve been taught and told somehow don’t seem like enough. Your mind is racing from one thing to another…or maybe you’ve run out of ideas and you’re just stuck.

Well, believe it or not—getting to the place of being stuck is really better than racing and running. If you can just stop with all the ricocheting and get ‘still’, you will be able to hear the voice of God. He always has something better in mind for your future than what you imagine. While you’re wondering how you will live in poverty the rest of your life—He is going about preparing wonderful things for you to enjoy.

When you come to the end of your resources and have a heart filled with faith and trust in the Lord and His ability to provide—you will never be disappointed. It is the person who is doubtful and continually plays the role of the victim who should be afraid. If you have been caught in that trap—my advice is to confess your lack of faith and trust to God. Tell Him you’re sorry for the way you have feared for your future and for the way you have verbalized your doubt to others—giving them the impression that God wouldn’t meet your needs—or that your needs were bigger than His bank account.

It’s very tempting to look to ‘people’ when your resources are running low–but, your real help is going to come from God. The best thing you can do at a time like this is pray. Sure, there are other things—like tightening up your spending, selling what you can, updating your resume’, and keeping your eyes open for opportunities to earn income. But, time spent in prayer will produce the best recovery you could hope for. Pray. Pray. Pray.

God knows. God cares. But, best of all—God has a plan for you that is good.

He wants to see your faith and trust ‘grow’…that’s why all of this has happened. You can work against Him—by being resentful or feeling sorry for yourself—or, you work with Him by bravely believing He knew all of this would happen before the foundation of the world. It didn’t take Him by surprise at all.

When you choose to look at adversity through the eyes of faith—you can smile at the future, no matter what things might look like. God has always ‘got your back’. Start recounting times in the past when it appeared as though you were in hopeless circumstances. Remind the Lord that you remember how He got you out of the mess you were in. He loves it when you do that. Start telling Him what a good Father He is and how well He has always provided for you. Thank Him for putting you in a situation where you can’t put your trust in your bank account. Thank Him that He is your bank account and He owns everything. Express your gratitude to Him for keeping you in a position of absolute need and dependency on Him. Tell Him that you will never stop trusting His ability to care for you.

Declaration: I will find new strength by embracing the position I am in. I will seek forgiveness for my lack of faith and trust. I will stop giving so much of my attention to panic, embarrassment, resentment, fear, anger, responsibility, and pessimism. I will face my future with a smile–knowing God has a good plan for me.

All NEW STRENGTH posts are Copyright by Christina Cook Lee as of the date they were written and posted. Please request permission to re-post or re-blog. This material will be published as a book in 2013, by the grace of God. To subscribe to New Strength, select ‘follow’ in the upper left corner of this page.

For music selections that will help bring hope and encouragement during your recovery from depression and addiction, browse: http://www.youtube.com/user/NewStrengthMusic/videos?view=1&flow=grid

Finances

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MARCH 18 

Focus: Having enough to share

2 Corinthians 9:8 And God is able to make all grace abound to you, so that in all things at all times, having all that you need, you will abound in every good work.

A big thing that keeps us from doing more for others, is worrying whether we’ll have enough for ourselves. Besides wondering about our own needs being met, we also have to deal with the fact that our thoughts can block our ability to ‘receive’. A big ‘blocker’ in our thoughts is that feeling of unworthiness—which is so typical when we are depressed or discouraged. God is very faithful to address all of our concerns. He wants to help us ‘get over it’, and we will—if we just pay attention to what He has already said in His Word.

In order for our faith to work—we need to understand an important principle. What we receive from God—is not necessarily connected to whether we are ‘deserving’. If we are financially strapped, we can be wishing for things to be different, but at the same time believing that nothing is likely to improve because ‘we don’t deserve it’. And sure enough, according to our faith—nothing changes. To some degree, the concept that ‘we don’t deserve it’ is true. But, if ‘receiving’ was tied 100% to whether people were ‘deserving’, nobody would have much of anything.

2 Corinthians 9:8 starts out saying, “God is able to make all grace abound to you…” You might know what that statement means, but I lived a lot of my life before I knew what the word, ‘grace’ meant. I’d heard it often, and figured it had to do with God’s love, or something like that. I didn’t know the real definition. In case you don’t know or you’ve forgotten, ‘grace’ means unmerited favor—or being blessed whether you deserve it, or not. It’s always good to be reminded of the real definition of a word. The interesting thing here though–is that the impression we are being given is that God wants to give us much more than ‘mere’ grace.  It says God will make all grace abound–or to put it another way, besides having favor you don’t deserve–you will have way beyond a normal amount of it.

While in a period of wishing you were in better financial condition—you may have seen other people who had needs greater than yours, and thought, “Well, if I had enough for myself—and some to spare, I’d be able to do something for them. But, I can’t afford to share with them when I don’t even have enough for my own needs”—or so you think.

Another common thought when it comes to ‘sharing’ and ‘good works’ is, “When things get better with the economy, I will be able to do more for others”. Not according to 2 Corinthians 9:8. After the part about ‘grace’, the next line says, “so that in all things at all times, having all you need, you will abound in every good work”. Not a lot of wiggle room there!

I’ve heard it said, ‘if the Word of God doesn’t work all the time—it doesn’t work at all’—or, ‘if it’s not true all the time—it’s not true at all’. However you want to slice it, the point here is—if you aren’t willing to share what little you have when you don’t have much—you won’t be willing to share a lot when you have more, either.

Our willingness to share is one of the fundamental ways God tests us to see if He can trust us with ‘increase’. If we want to receive ‘more’—we need to ‘give more’. During the time we have ‘less’—we need to give ‘more’—not holding back. When we understand ‘grace’, it becomes easier to believe we won’t be left wanting if we are willing to share. Sometimes we’re placed in a position of having ‘less’, as a way of testing our faith and faithfulness. It’s not easy to give when you don’t have much. But, when you help someone else in spite of how little you have—you will see God multiply what you share, back to you. By doing for others—He will bless you with more for yourself and more for others–so you can keep sharing.

If we look further at this verse—we see how the use of the word ‘all’ helps add even more meaning to the word ‘grace’ and what God is saying. In 2 Corinthians 9:8, the word ‘all’ is extravagantly used four times. In the first place, ‘all’ is an extravagant word. It doesn’t mean ‘part’. All grace, all things, all times, all that you need. God is trying to make a point! The word ‘all’ leaves no room for exceptions or partiality—and it implies extravagance.

The verse goes on to say that you will be able to abound in every good work. ‘Abound’ and ‘every’ are two more extravagant words. Used for the second time in this verse, the word, ‘abound’ means, ‘beyond a normal amount’. ‘Every’ doesn’t mean ‘most’, it means, ‘all’ or, ‘without exception’. So, not only should you be able to give extravagantly —you should be an excessive or extravagant giver—giving every chance you get. In other words, a person who—searches for opportunities to share, or creates them on their own. Should we go so far as to say we should share or give fanatically?

Declaration: I will find new strength by becoming more extravagant in my willingness to share and do good works. I will show God my love and faith in Him as I cheerfully give to others with a thankful heart. I don’t have to worry that God’s ability to provide for me and others will ever run out. He held back nothing for me–I will hold back nothing from Him.

All NEW STRENGTH posts are Copyright by Christina Cook Lee as of the date they were written and posted. Please request permission to re-post or re-blog. This material will be published as a book in 2013, by the grace of God. To subscribe to New Strength, select ‘follow’ in the upper left corner of this page.

For music selections that will help bring hope and encouragement during your recovery from depression and addiction, browse:http://www.youtube.com/watch?v=bW5unzXXC0