BIBLICAL BUDGETING

Dale Pollard

How much should you save?

“Let Pharaoh appoint commissioners over the land to save a fifth of the harvest of Egypt during the seven years of abundance” (Genesis 41.34). 

*Joseph implements a similar budgeting strategy used today, the 50/20/30 model

“Dishonest money dwindles away, but whoever gathers money little by little makes it grow” (Proverbs 13.11) 

Consistency and being smart with your money is the key to growth no matter how much you make. 

Example

Monthly Savings – $200

12 Month Total – $2,400

Don’t Buy What You Don’t Need 

“Why spend your money on what is not bread and your labor on what does not satisfy? Listen, listen to me, and eat what is good, and you will delight in the richest of fare” (Isaiah 55.2) 

Investing Principle 

“The man who received five bags of money went and put the money to work and gained five bags more” 

(Matthew 25.16) 

Monitor What Comes In And What Goes Out 

“Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost to see if you have enough money to complete it?”(Luke 14.28) 

Good People Aren’t Selfish 

“A good person leaves an inheritance for their children’s children…” (Proverbs 13.22). 

Encouraged By Eternity

Dale Pollard

What will Heaven be like? While some biblical authors will attempt to explain aspects of our eternal home’s appearance, Peter chooses to tell us what it won’t be like. He states, it won’t perish. Heaven won’t be a place that can be defiled as the earth has become in many ways down here. Our new home above will be perfect on day one (though it’s a place outside time) as on day one billion (I Pt. 1.4). So Peter tells us what paradise won’t be like by explaining the difference between Heaven and earth. 

Interestingly, Peter tells us about our inheritance to give us motivation while in the middle of our earthly trials. We should be motivated to endure the lowest valleys in life because of what awaits us. This seems to be something we’d all agree with; however, some seem to be motivated by fear of the punishment rather than faith in the prize. While it’s true that the fear of the Lord is the beginning of knowledge (Prov. 9.10-12), God wants us to live out our faith based on the knowledge of eternal rest. 

As one makes their way down through the chapter the reason Peter begins by elucidating our heavenly home becomes clear. With all of that in mind, we’re told to prepare mentally for what we’re called to do (v.13). We must prepare our minds for action! What things demand preparation in your own mind? For some it’s their view of God or the reason they suffer in the first place. They may think if they don’t live perfectly then they’ll be lost forever— so they anxiously go about living a “check list” style Christianity. 

THREE WAYS TO PREPARE YOUR MIND 

Preparing the mind means educating the mind. 

1. Educate the mind about the concept and workings of the amazing grace Jesus offers us.

2. Prepare the mind by filling the mind with the glories of heaven. 

3. Prepare the mind by studying the benefits of Christian suffering, rather than allowing our suffering to negatively distort our view of God. 

Deuteronomy: The Second Giving Of The Law (XXXIV)

Moses Blesses The Tribes (33:1-29)

Neal Pollard

The very last words of Moses recorded in the Bible are his reassurance to Israel that God will take care of them. Smith puts it, “In Deuteronomy 31 Moses was the statesman, and in chapter 32 the singer; now in chapter 33 he is the seer” (Pentateuch, 531). The preamble to this prophetic projection concerning each tribe consists of his declaration of God’s power and love (1-3a). The people respond with an acknowledgement of God and pledge of submission to His revealed will through Moses (3b-5). The next 20 verses are devoted to blessings upon the individual tribes.

  • Reuben (6): A prayer that they continue to exist but be few in number (cf. Gen. 49:3-4).
  • Judah (7): A prayer that the tribe which was first to fight (Num. 10:14) and renowned for its military might would be successful in battle through God’s hand. He records the fuller blessing through the voice of Jacob (Gen. 49:8-12). 
  • Levi (8-11): First, note the absence of Simeon. He and Levi are the second and third sons of Leah. Where is Simeon? Eugene Merrill suggests, “Simeon had already become involved in idolatry at Baal Peor (cf. Num 25:6–15), a sin that brought such devastating population loss that the whole tribe eventually became assimilated into Judah (cf. Josh 19:1–9)” (NAC, 438). Levi is reminded of their forefather’s transgression, depriving them of a territorial allotment (8-9). Yet, Moses cries out for a blessing and protection on them as they discharge their God-given duties in leading worship (10-11). 
  • Benjamin (12): A simple prayer that God will protect and preserve them.
  • Joseph (Ephraim and Manasseh)(13-17): A prayer for their prosperity and productivity of the land in mountains, hills, bushes, and pastures, and well as the multiplication of these tribes. 
  • Zebulun and Issachar (18-19): A prophesy that they will worship correctly and prosper generously from the mountains to the seas.
  • Gad (20-21): A call to this tribe to praise God for expanding their territory and rewarding them for their conquest.
  • Dan (22): Interestingly, this is an echo of the animal metaphors used by Jacob (Gen. 49:16-17). In both analogies, he springs on adversaries–here as a lion cub, in Genesis as a serpent. 
  • Naphtali (23): This tribe is affirmed and encouraged, as one satisfied with favor and full of blessing as they possess their territory. 
  • Asher (24-25): A foreseeing of prosperity, blessings, and peace for time to come. 

After the blessings upon the individual tribes, Moses sums up with an overarching blessing for the whole nation. What comes next for Israel will be wonderful. Why? They have a matchless, majestic God who helps with everlasting arms and impenetrable refuge (26-27). They will enjoy security and prosperity (28). They are chosen and saved by God, who will guard and protect them before their cowering enemies (29). The parting encouragement of Moses is that the future could not look brighter, but they must keep looking to the God who makes these conditional pledges to them.

Israel has nothing on the church. What lies ahead for us eclipses what they were told. Our task is to embrace God’s conditional promises in Christ, realizing we are a chosen people most blessed (1 Pet. 2:9-10). May we never reject our inheritance. 

Circle of Life

Wednesday’s Column: Third’s Words

gary and chelsea

Gary Pollard

  1. Earth Created (Gen. 1) (A)
  2. Man Sins, Earth Corrupted (Rom. 8) (B)
  3. Access to Tree of Life Blocked (Gen. 3) (C)
  4. Man Unified in Evil (Gen. 6) (D)
  5. Earth Destroyed by Water, Preserved for Destruction by Fire (II Pet. 3.6,7) (E)
  6. Jesus Grants Access to God As Mediator, High Priest, Perfect Sacrifice (Heb. 2.9; Rom. 8.17) (F)
  7. Man Rejects God, Unified in Evil (II Thess. 2.3-12) (4) (D)
  8. Earth Destroyed by Fire (II Pet. 3) (E)
  9. Man Redeemed, Creation Redeemed (Rom. 8.18-20; cf Mt. 19.28) (A, B)
  10. Access to Tree of Life Restored (Rev. 22.2) (C)
  11. God’s Own Live with Him, Share Unique Bond, Can Never Lose Paradise Again (II Pet. 3.13; Rom. 8.29; II Tim. 2.12) (F)

You can also look at it this way: 

  1. Earth Created (Gen. 1) New Heavens, New Earth (II Pet. 3.13; Rev. 21.1; Matt. 19.28)
  2. Man Sins, Earth Corrupted (Rom. 8.18-20) Man Redeemed, Earth Redeemed (Rom. 8.18-25)
  3. Access to Tree of Life Blocked (Gen. 3) Access to Tree of Life Restored (Rev. 22.2)
  4. Man Unified in Evil (Gen. 6)  Man Unified in Evil (II Thess. 2.3-12)
  5. Earth Destroyed by Water (Gen. 7; II Pet. 3.6,7) Earth Destroyed by Fire (II Pet. 3.7)
  6. Jesus Gives Access to Father (Heb. 2.9)  We Live With God (II Tim. 2.12; I Jn. 3.1ff; Rom. 8.29)

“The God and Father of our lord Jesus Christ is blessed. Thanks to His incredible mercy, we are born again into a living hope through the resurrection of Jesus Christ out of death. Because of this, we have an immortal inheritance that has no flaw and cannot wear out. This is guarded in heaven for you who are also guarded by God through faith. This salvation will be revealed to you at the end” (I Pet. 1.3ff).

​GOD ONLY HAS CHILDREN

Friday’s Column: Supplemental Strength

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Brent Pollard

Have you ever noticed that God only references His people as “children”? He never calls any of us His “grandchildren” or “great-grandchildren.” The reason God does not is that it is up to each new generation to find the Law of the Lord. I fear some of the problems creeping into churches stem from the fact there are those with an inherited faith from a parent seeking to be a “grandchild” of God. God sent His Son to redeem us and make us His adopted children (Galatians 4.4-5). It is as the adopted child God wants us to live. And how sad is it for people to deny themselves of that benefit? The adoption as children gives us the boldness to call upon Him as our Father (Romans 8.15). One day this adoption will enable the redemption when we enter eternity (Romans 8.23).
It is true it is easier to do as our parents and grandparents did religiously. In other words, it is easier to be a parrot mimicking everything around you religiously. If that is your choice, however, allow me to suggest you do not have the boldness to call upon God as your Father. Frankly, you may not even feel close to Him at all. In such a state, religion often becomes a cold formality in which one goes through his checklist seeking to do those things he feels will please God. If attempting to be a grandchild of God, then do not expect to receive the promises reserved solely for God’s heirs, His children.
Yes, God only has children. Are you one of His children? If you are, how faithful have you been to Him? Do not be as the prodigal son. Remain steadfast in your Father’s house and wait for the eternal redemption promised to God’s children.

HE QUALIFIED US

Neal Pollard

When I was a student at Faulkner University, Schick Corporation sponsored a three-on-three intramural basketball competition known as Super Hoops. The school’s student activity director organized the tournament, and the winning team won a paid trip to the national tournament to compete for the national title. My senior year, four of us decided to form a team and compete for this coveted prize. We had a guy, Patrick Hunter, who was a slick ball handler and had been a point guard in High School. We had another guy, Bart Carter, who had actually played baseball at Mississippi State before transferring to Faulkner to become a Bible Major. There was me, more of an outside shooting threat if anything. But it was our fourth man, Mike Whisenant, who truly tipped the scales in our favor. He was a High School basketball star and was our big man. He also had a great shot, but we could depend on him to score inside consistently. Every team could have four players and you could rotate in and out to keep players fresh. But the guy who had to stay in, our workhorse, was Mike. It was certainly a team effort, but it was Mike who carried us to victory at Faulkner and punched our ticket to Atlanta. We got to stay at a very nice Hyatt hotel for free. We got meal vouchers, cool T-shirts, and I didn’t buy a razor for a couple of years. Although our glory was short-lived on the “national stage,” getting beat by Morehouse and then Valdosta State in a double-elimination format, we got to compete—thanks mostly to Mike’s skillset and abilities.

Perhaps that’s a crude way to illustrate a term used by Paul in Colossians 1:12, but follow me for a moment. Paul is in the middle of his prayer for the Colossians, telling them he wanted them (and by extension he wants us) to please God in all respects. The four ways to do that follow that imperative: bearing fruit, increasing in knowledge, being strengthened, and giving thanks. Paul says to give thanks to the Father, “who has qualified us to share in the inheritance of the saints in Light.” The word translated “qualified” here is only found one other time, in 2 Corinthians 3:6, where Paul says “our adequacy is from God, who also made us adequate as servants of a new covenant.” The same idea is conveyed in both passages.

Though I could not find the Greeks using this verb in an athletic sense, it literally means “to cause someone or something to be adequate for something” (Louw-Nida 678). The adverb form of the word appears many times in the New Testament, and means “sufficient in degree, sufficient, adequate, large enough” (Arndt, Danker, et al 472). Our word means to “render competent or worthy” (Zodhiates np). God is the cause of adequacy, the One who makes us competent and worthy to receive the inheritance. We have a part to play. We must be obedient, fruitful, knowledgeable, strong, and thankful. Without this proper response to God’s grace, we do not qualify for the prize. But, who is most responsible? Who do we most depend upon? It’s not us. It’s Him!

My illustration is feeble, but it helps give me a faint glimpse of what Paul is talking about. In an infinitely greater way, I owe my eventual, eternal prize to God’s ability and identity. But, because I want to please Him in all respects, I am going to work hard and with gratitude for the One who makes it all possible.

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BEGGAR IN A BENZ

Neal Pollard

Melissa Smith contacted KGTV in San Diego, California, to make an interesting report.  She had watched a pregnant woman and her little boy beg for money at a local shopping center.  Many people gave the woman money.  Melissa happened to watch the woman, who held a sign reading “Please Help,” get into a car with a man driving a Mercedes Benz. A follow up story, a few months later, found what appears to have been the same couple driving a brand new Mini-Van that still had dealer plates.  The address for the Benz owner was an upscale apartment that rented for $2500 per month (10news.com). There are many people in legitimate need of financial help, and there are many more legitimate ways to contribute to their assistance than handing money out of a car window.

Yet, there’s an application I want to draw from this extreme case.  As incongruous as it is for a Benz owner in a fancy apartment to stand on a corner and beg, there is something more out of place.  In Colossians, Paul describes Christians as those qualified to share in an inheritance (1:12), attaining to all the wealth attached to that (2:2), partaker of all treasures (2:3), and owners of an unparalleled prize (2:18).  Do we ever live like spiritual paupers?  We do when we allow worry, doubt, immorality, fear, guilt, or any similar thing to cause us to live like and act like the impoverished world who has no access to these wonderful spiritual blessings.  We have a place in glory reserved with Christ (3:4).  We have no need to beg for the scraps the world can offer.  Let us live like the rich children of God that we are!

From Disinherited To Inheritors

Neal Pollard
When Greek politician Andreas Papandreou died in 1996, he left his entire hefty estate to his third wife, Dimitria Liani. His three sons and a daughter, who had married a politician who was Papandreou’s political enemy, were disinherited when she and her siblings’ refused to ostracize this enemy. It was contested in Greek court for years, but so far that will has apparently not been overturned. Certainly, money can bring out the best and worst in people. The children’s point of view is almost certainly that they, as blood relatives, have as much or more right to their father’s inheritance than a woman he married in the last decade of his life (information via Ray Moseley, Chicago Tribune, 9/29/96).


In the New Testament, sin is legitimate grounds for the Heavenly Father to disinherit us. Paul tells the Corinthians this in 1 Corinthians 6:9-11. But his message is one of good news. With God, it is possible to go from disinherited to inheritors. He tells them, “Do you not know that the unrighteous will not inherit the kingdom of God? Do not be deceived. Neither fornicators, nor idolaters, nor adulterers, nor homosexuals, nor sodomites, nor thieves, nor covetous, nor drunkards, nor revilers, nor extortioners will inherit the kingdom of God. And such were some of you. But you were washed, but you were sanctified, but you were justified in the name of the Lord Jesus and by the Spirit of our God.” This passage reveals several important truths.
First, there is a pertinent fact. “The unrighteous will not inherit the kingdom of God.” He repeats the thought in verse 10. That phrase indicates missing heaven and all the reward of it (cf. Mat. 25:34).
Second, there is a potential fraud. “Do not be deceived.” How vital that message is for our current culture! There is so much deception about the consequences of sin that it is impossible to keep up with, document, or catalog it.
Third, there are the particulars framed. Notice the sinful individuals enumerated—”fornicators…idolators…adulterers…homosexuals…sodomites…thieves..covetous…drunkards…revilers…extortioners.” Each of those lifestyles and behaviors merit greater study, but these are the ones who are disinherited by the Father. It is His estate and, as such, His call to make.
Then, there is a past forgotten. Human beings can carry vendettas and grudges to their graves, but the living God is not prone to such weakness. He does require repentance, implicit in the phrase “such were some of you.” Because they changed, God put the guilt of their sins in the rear-view mirror.
Finally, there is a purification forged. Paul concludes, “But you were washed…sanctified…justified in the name of the Lord Jesus and by the Spirit of our God.” God does not just leave us to wallow in our sins. He provides a way of escape. If we take it, He will make those past sins as if they never existed!
In other words, we can go from disinherited to inheritors!