strapped 2 – ptr. alvin gutierrez – 4pm afternoon service

LIVE BELOW

YOUR MEANS

LIVE BELOW YOUR MEANS

PROVERBS 22:7

The rich rule over the poor, and the borrower is

servant to the lender.


PROVERBS 13:7

One person pretends to be rich, yet has nothing; another pretends to be

poor, yet has great wealth.


OLD RULE:If you don’t

have the money to buy

what you wanted, you

were not allowed to

buy it.


NEW RULE:I want to live

the same lifestyle as my parents’ then I

will buy the same that they have and use

my credit card.


“HAVES”“HAVE-NOTS”

“HAVE NOT PAID YET”


EXAMPLES OF LIVING BEYOND

YOUR MEANS


BORROWING TO SUSTAIN A LIFESTYLE

OR HABIT


DEPENDING ON OTHERS TO SUSTAIN A LIFESTYLE OR HABIT


HABITUALLY BUYING THINGS

WAY BEYOND ONE’S FINANCES


EXCESSIVE SPENDING ON ONE ITEM

OR ACTIVITY AT THE EXPENSE OF

OTHER BASIC NEEDS


Anyone who cannot afford a lamb is to bring two doves or two young pigeons to the Lord as a penalty for their sin—one for a sin offering and the other for a burnt offering.

LEVITICUS 5:7


God respects our economic/financial

limitations.

NOTE:


If, however, they cannot afford two doves or two

young pigeons, they are to bring as an offering for their sin a tenth of an

ephah of the finest flour for a sin offering. They must

not put olive oil or incense on it, because it is a sin

offering.

LEVITICUS 5:11


It is dishonoring God to live beyond your means.

NOTE:


WHY DO PEOPLE LIVE BEYOND THEIR MEANS


TO BOAST OR TO IMPRESS


TO ENJOY WHAT THEY

DO NOT DESERVE


TO DECEIVE PEOPLE


IN ANTICIPATION OF EXPECTED RESOURCES


ILLUSIONS OF GRANDEUR


Living beyond our means robs us of our happiness.

NOTE:


HOW IT ROBS OUR HAPPINESS


WE PAY WITH OUR MONEY.


WE PAY WITH OUR DIGNITY.


WE ALWAYS WORRY.


WE LOSE PEACE OF MIND.


WE FOREGO BASIC NEEDS.


HOW TO MANAGE MONEY BIBLICALLY


EMBRACE THE VALUE OF

SELF-CONTROL.


Like a city whose walls are broken through

is a person who lacks self-control.

PROVERBS 25:28


If you are in debt then get out of debt by means

of self-control.

NOTE:


Seriously assess your expenditures and source

of income.

NOTE:


EMBRACE THE VALUE OF SACRIFICE.


1 Therefore, since we are surrounded by such a great cloud of witnesses, let us throw off everything that

hinders and the sin that so easily entangles. And let us run with perseverance the

race marked out for us,

HEBREWS 12:1-2


2 fixing our eyes on Jesus, the Pioneer and Perfecter

of faith. For the joy set before Him He endured the cross, scorning its shame, and sat down at the right hand of the throne of God.

HEBREWS 12:1-2


Learn to adjust. Keep your feet on the

ground.

NOTE:


Stop depending on others.

Be productive.

NOTE:


EMBRACE THE VALUE OF PLANNING.


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


The plans of the diligent lead to profit

as surely as haste leads to poverty.

PROVERBS 21:5


STEPS TO RIGHT FINANCIAL PLANNING


SAVE FOR EMERGENCY.


DO THE DEBT SNOWBALL.


For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered

from the faith and pierced themselves with many

griefs.

1 TIMOTHY 6:10


Whoever loves money never has enough;

whoever loves wealth is never satisfied with their

income. This too is meaningless.

ECCLESIASTES 5:10


19 Do not store up for yourselves treasures on earth, where moths and

vermin destroy, and where thieves break in and steal.

MATTHEW 6:19-21


20 But store up for yourselves treasures in

heaven, where moths and vermin do not destroy, and where thieves do not break

in and steal.

MATTHEW 6:19-21


21 For where your treasure is, there your

heart will be also.

MATTHEW 6:19-21


Better to be a nobody and yet have a servant than pretend to be somebody and have

no food.

PROVERBS 12:9


10 Whoever can be trusted with very little

can also be trusted with much, and whoever is

dishonest with very little will also be dishonest

with much.

LUKE 16:10-11


11 So if you have not been trustworthy in handling worldly wealth, who will

trust you with true riches?

LUKE 16:10-11


6 But godliness with contentment is great

gain. 7 For we brought nothing into the world,

and we can take nothing out of it. 8 But if we have food and clothing, we will

be content with that.

1 TIMOTHY 6:6-10


9 Those who want to get rich fall into temptation

and a trap and into many foolish and harmful desires that plunge people into ruin and

destruction.

1 TIMOTHY 6:6-10


10 For the love of money is a root of all kinds of

evil. Some people, eager for money, have

wandered from the faith and pierced themselves

with many griefs.

1 TIMOTHY 6:6-10


CONCLUSION

Every money problem

is a heart problem.


CONCLUSION

We don’t serve money — we serve God. Money serves us as we serve God.

strapped 2 – ptr. alvin gutierrez – 4pm afternoon service

Spiritual

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rich rule

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embrace thevalue ofsacrifice