Mothers Day 2016

Mark

Believers Church meets for One Hour on Wednesday at 7 pm!

We are currently studying the Gospel of Mark. Join us this Wednesday! We also have EDGE Student and College Ministries and Children’s Ministry for all ages.

 

 

Surfs Up Baptism

We are celebrating 15 years this Sunday! Invite your friends and family to join us for food, games and fun! This will happen immediately after our 11 am service!

We also will have an Outdoor Baptism! Call the church if you would like to be baptized!

Outliers “Financial Outliers”                                               Believers Statesboro           04-24-16

Financial Outliers _4.24

Have you ever done something stupid?

Have you ever done something stupid with money?

We all have, and we learned that doing something stupid with your money costs you money.

Dave Ramsey refers to that as the “Stupid Tax”.  I have paid it.  Have you?

Well, I am no expert on money and financial planning, so, we are going to defer to Dave Ramsey’s wisdom today and learn from a man who has been anointed by God to help literally thousands of people get their financial house in order.  We have many of those people in the house today.

At Believers Church, we are also partnering with Dave Ramsey and his Financial Peace University.  We teach a class here in our Life Group System called “Financial Freedom”.

According to Dave Ramsey’s own testimony, he made lots of money and then went bankrupt.  He said it was because he did what normal people do with their money.  He had learned about money the normal way, from his broke financial professor in college.  Having a broke financial teacher is like having a shop teacher without fingers.  Then, Dave started reading the Bible and discovered God’s way of handling money, which he shares and teaches all over this nation.

We are talking about Outliers, because normal isn’t working.  We are looking at the teachings of Jesus that show us very clearly that there are two different roads.

Matthew 7:13-14 “Enter through the narrow gate. For wide is the gate and broad is the road that leads to destruction, and many enter through it. 14 But small is the gate and narrow the road that leads to life, and only a few find it. (NIV)

 When you have the courage to leave the road that leads to destruction and get on the narrow road that leads to life, the people on the broad road will say, “You’re an outlier!”

When it comes to our finances, we need “AN OUTLIERS VIEW OF MONEY”

1 Peter 2:9  But ye are a chosen generation, a royal priesthood, an holy nation, a peculiar people; that ye should shew forth the praises of him who hath called you out of darkness into his marvellous light: (KJV)

We are a peculiar people = Outliers!  Remember normal isn’t working.

We all have made money mistakes.

Recently, the Wall Street Journal states that:

  • 70% of Americans are living paycheck to paycheck.
  • 52% of marriages end in divorce. Of those divorces occurring within the first 7 years of marriage, 90% of them say that money problems were the cause of their divorce.

Most people don’t do well with money.  Think about it.  Out of 100 people you know, how many are wealthy…maybe 3, 4, 5?  Wealth is unusual.  It’s not normal to be wealthy.

One of the things that Dave Ramsey has learned over the years of working with people is that personal finances is about 80% behavior.  Our financial lives reflect a lot about our behaviors.

The reason Jesus talked so much about money is not because He needs money.  He’s got it all, and He is not worried about it.  The reason He talks so much about money is because our wallets are connected to our hearts.

It’s your behavior patterns that cause your money problems; cause and effect…sowing and reaping.

  • When you sow stupid, you reap desperate. What you do determines where you go.
  • If we are honest with ourselves, we are the core issue of our money problems.

Wealth is not ordinary.  If behaviors reflect our financial situations, then consider this:

Outlier behaviors will create wealth.

If you want to be wealthy, you’ve got to become a financial outlier.

  • If you are broke and your friends are not making fun of your financial plans, you may be on the broad road that leads to destruction.
  • Friends tell you, “You’re always going to have a car payment.” “You are always going to be broke.”  “You are always going to struggle.  Just accept it!”
  • IF YOU WANT WHAT ORDINARY PEOPLE HAVE, DO WHAT THE MAJORITY OF PEOPLE DO.
  • IF YOU WANT WHAT EXTRAORDINARY PEOPLE HAVE, DO WHAT FEW PEOPLE DO.

(Be an Outlier because narrow is the road that leads to life and only a few find it.)

Let’s look at five principles from the Scriptures concerning our financial lives. Normal people don’t follow any of these principles, and normal is broke.

Five core principles in Scriptures that, if you do them consistently over a long period of time, you will be a outlier.

  1. Written Game Plan

That’s right, the dreaded “B” word…a budget.

Proverbs 21:5 says “the plans of the diligent lead to profit as surely as haste leads to poverty.”

When you fail to plan, you plan to fail.

We plan to fail if we don’t seek God for His plan for our finances.

Luke 14:28-30 “Suppose one of you wants to build a tower.  Will he not first sit down and estimate the cost to see if he has enough money to complete it? 29 For if he lays the foundation and is not able to finish it, everyone who sees it will ridicule him 30 saying, ‘This fellow began to build and was not able to finish.’ (NIV)

  • People will say, “Just another Christian who can’t pay his bills.”

Most people run down the road of their personal financial life, and instead of looking out the windshield, they are looking into the rear view mirror.

  • “I have too much month left at the end of the money. What happened?”

Proverbs 15:22 “plans fail for a lack of counsel, but with many advisors they succeed.”

I’m challenging you today to get some help.

Next Step:  This week I will seek some good godly financial counsel.

Proverbs 29:18 “where there is no vision the people perish.”

  • The vision is looking forward. The vision is the budget.
  1. Act Your Wage

Live on less than you make.  (You are not in Congress.)

Isaiah 65:22 “my chosen ones will long enjoy the works of their hands.”

Your life is not a snapshot.  Your life is going to change.  It is going to get better, or it is going to get worse.  Where you are today is not necessarily where you will end up tomorrow.

Proverbs 21:20 In the house of the wise are stores of choice food and oil, but fools gulp theirs down. (NIV)

My paraphrase is “the wise have wealth and luxury, but fools live paycheck to paycheck.”

I have been there.  In my life, I have spent more than I had.  By Biblical definition, I have been a fool because a foolish man devours all he has.  If you study the Book of Proverbs, you learn that  you don’t want to be this kind of fool.  A foolish man devours all he has!

That’s ordinary people, and you don’t want to be ordinary.  You want to be an outlier.  Act your wage.

Next Step: For one month, I will write down everything I spend money on and compare that amount to my monthly income. I will answer this question: Am I acting my wage?

  1. Save Money

Proverbs 21:20 In the house of the wise are stores of choice food and oil, but fools gulp theirs down. (NIV)

  1. Save for an emergency fund. (A rainy day fund). It is going to rain.  You better be ready.
    1. 78% of people in America put emergencies on their credit card because they didn’t plan for it. Dave Ramsey calls this an “oh no” fund.
  1. If you lose your job, you have no debt, you have a written plan, and you have $20,000 cash in the bank, the situation is a whole lot different than if you lose your job, you have debt with no money in the bank.
  1. A good emergency fund would be 3-6 months of expenses.
  1. Save up to pay cash for things. When you pay cash for things, a couple of things happen.
    1. One is cash hurts when you spend it. When you spend cash, it activates the pain centers of the brain, but when you spend with plastic … nothing.
  1. When you spend with cash, you can get a deal when you get ready to purchase something.
  1. Build Wealth.

$100 a month saved from age 30 to 70 and invested in a decent growth stock mutual fund in your tax-free Roth IRA would be about a million, one hundred and seventy-six thousand dollars.

You can retire a millionaire by saving $100 a month!

We blow $100 a month and don’t even know where it goes.

Invest!  Some Christians say, “I have faith!”  Well, have faith in the Word of God… a foolish man devours all he has.”

  1. Get out of Debt

Proverbs 22:7 “The rich rule over the poor and the borrower is a servant to the lender.”

The Hebrew word for servant means a slave or bondage.  In other words, when you are in debt you

are in bondage or you are a slave.  Now, this is not a heaven or hell issue.

You can be in debt and still get to heaven.  But, nowhere in Scriptures does God use debt to bless His people.  There is not one positive mention of debt in the Scriptures.  Every time it is mentioned, it is a negative thing; 1) you’re a slave, 2) you’re a fool, 3) and you are going to have a brother who doesn’t like you anymore.

When you don’t have any debt, you don’t have any other masters.  Jesus said it is hard to serve two masters.

  • When you are in debt, it’s hard to be a giver, it’s hard to be a saver, and it’s hard to be there for your family emotionally when you are distracted with trying to pay your bills.
  • It is because the master is cracking the whip on your back. (Master Card) (American Distress) (Discovered Bondage)
  • What would it feel like to have no payments! Free!  That sounds like something a slave would say, “I’m free!”  “I’m debt free!”

When asked “What’s the number one way to become wealthy?” 75% of the wealthiest people in America said, “Get out of debt and stay out of debt because your personal income is your most powerful wealth-building tool.”

Romans 13:8     Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law. (NIV)

Next Step: This week I will determine my smallest debt at this time and figure out how I can eliminate that debt?

  1. Give

Give, give, give!  God loves a cheerful giver.  “Cheerful” in the Greek is “hilaros” which means hilarious.  And if you don’t have some moments that are hilarious to you, you aren’t enjoying your giving like you should.

“No one would remember the Good Samaritan if he didn’t have a coin.”  Margaret Thatcher

You can’t help other people if you are broke.  So, get in control of your life.

Acts 20:35 “it’s more blessed to give than to receive.”

Tithing is just a basic thing.  When you get on a plan to spend less than you make, to save and get out of debt, all you will have left to do with your money is give!  It is so much fun!

  • Tithing, above that offerings, and then off-line giving, those random acts of kindness.
  • Giving a $500 tip at the Waffle house is outlier action, it’s not normal.

RECAP:  The goal is to be a financial outlier.  Behaviors create money.  Wealth is not normal, so outlier behaviors create wealth.

We are going to engage in unusual behaviors to create unusual results.

Excellent behaviors create excellent results.  Stupid behaviors create stupid results.

  • Written Game Plan 2) Act Your Wage  3) Save Money  4) Get out of Debt  5) Give

Helpful Resources:

  • The Millionaire Next Door by Thomas J. Stanley and William D. Danko
  • Financial Peace and The Total Money Makeover, both by Dave Ramsey
  • Master Your Money and Taming the Money Monster, both by Ron Blue
  • The Treasure Principle by Randy Alcorn
  • www.daveramsey.com
  • www.crown.org

Life App Group and Family Devotional Application

  1. Have you written and lived by a budget for you or your family?  Did it give you more of a sense of where you were heading , financially?
  2. What method has helped you save money successfully?
  3. How do you feel when you give and bless others?

 

Outliers “Financial Outliers”  Believers Statesboro   04-24-16

Have you ever done something stupid with money?

We all have, and we learned that doing something stupid with your money costs you money.

Dave Ramsey refers to that as the “Stupid Tax”.  I have paid it.  Have you?

We are talking about being Outliers here at Believers Church, because normal isn’t working.  We are looking at the teachings of Jesus that show us very clearly that there are two different roads in live (Matthew 7:13-14).

And when it comes to our finances, we need “AN OUTLIERS VIEW OF MONEY”.

Join us this Sunday as we look at five core principles in Scriptures that, if you do them consistently over a long period of time, you will be a Financial Outlier.

“Financial Outliers”  Believers Church, Sunday, 04-24-16, at 9 or 11 a.m.

Conform to the Norm

Outliers “Don’t Conform to the Norm”  Believers Statesboro      04-10-16

Outlier – out·li·er /ˈoutˌlīər/ noun

  1. A person or thing situated away or detached from the main body or system.
  2. Someone who stands apart from others of his or her group, as by differing behavior, or beliefs.

Why are we talking about being outliers?  We are talking about it , because ordinary isn’t working.  Last week we started looking at one of the teachings of Jesus, who was an outlier Himself, in which He showed us very clearly that there are two different roads to take in life.

Matthew 7:13-14 “Enter through the narrow gate. For wide is the gate and broad is the road that leads to destruction, and many enter through it. 14 But small is the gate and narrow the road that leads to life, and only a few find it. (NIV)

NEXT STEP: I will memorize Matthew 7:13-14 and choose the road that leads to life!

There is one road that is broad, and that’s where many people travel.  Unfortunately, that road leads to destruction, and that’s where the big crowds go.

“There’s another road,” Jesus said, “…that’s narrow and…” (the good news is) “…this road leads to life.”

The people on the broad road will say, “You’re different!” when you have the courage to leave the road that leads to destruction and you get on the narrow road that leads to life.

  • IF YOU WANT WHAT ORDINARY PEOPLE HAVE, DO WHAT THE MAJORITY OF PEOPLE DO.
  • IF YOU WANT WHAT EXTRAORDINARY PEOPLE HAVE, DO WHAT FEW PEOPLE DO.

(Be an Outlier, because narrow is the road that leads to life and only a few find it.)

Finances – Normal is paycheck-to-paycheck.  Normal is debt and always struggling.

Relationships – Normal is divorce.  Normal is to be filled with guilt, with regret, and all sorts of fears.

Life – Normal is just trying to make it, hoping for a better house and maybe a nice vacation, keeping the kids out of jail if you can, and maybe you’ll be lucky enough to be able to retire at the age of 65 or 70 so you can play golf or garden for the rest of your life.

Traveling the Broad Road

“There is a way that seems right to a man, but in the end it leads to death.” Proverbs 14:12

How many of you say, “I believe God has something better than an ordinary life for me and I want it!”

“I want to be an outlier!”

If you want what ordinary people have, do what the majority of people do.

If you want what extraordinary people have (peace, joy, security, a life of meaning and of destiny and sense of pleasing God), then you will have to do what few people do.

Traveling the Narrow Road

“…Be holy, because I am holy.” 1 Peter 1:16

What did God tell us to be? God said to be: “Holy…”  Why?  “…because I am holy.”

hagios (hag’-ee-os); to be pure, to set apart, to be different.

God says that in this very impure world, you can be pure.  God says, “To be set apart, you’re not normal, you’re going to be different.”

When you’re striving to please God, He will set you apart.  You will be different, and the rest of the world will call you an outlier.

  • When you leave that path, you’re going to be smacked in the face with people who are going to make fun of you. “Where are you going? Stay with us! Here’s where the normal people are.  Don’t be different!”  You will be hit with this pressure to conform to the norm.

Psalm 69:9-12 NLT  Passion for your house has consumed me, and the insults of those who insult you have fallen on me.  10 When I weep and fast, they scoff at me.  11 When I dress in burlap to show sorrow, they make fun of me.  12 I am the favorite topic of town gossip, and all the drunks sing about me.

(God) “Passion for your house has consumed me”  Passion for what matters to you.

When you read David in the Psalms, there’s this sense of, ‘God, I want to serve you and you alone. I want my whole life to count for you.

Passion for the things that matter to you, that’s what matters to me.  It consumes me.’

“…and the insults of those who insult you (God), have fallen on me.”

In other words, “God, I am so much on your side that when people shoot arrows at you, they are going to hit me because I am right there with you.”

Verse 10 “When I weep and fast…”  And he did a lot of that for the state of the nation:

“When I weep and fast they scoff at me.  When I dress in burlap to show sorrow…”

What do the people do? Everybody, what do they do?  “…they make fun of me.”

Verse 12  “I am the favorite topic of the town gossip and all of the drunks sing about me.”

Here’s the deal, if you think you’re living different; that you are an outlier and there’s no drunk people making up songs about you, you have some growing to do!

CONSTANT PRESSURE TO CONFORM TO THE NORM

All of your life, there’s going to be a gravitational pull back to the cultural norm.  You will have to fight the drive to conform to the norm.  They’ll be two different types of pressure.

  • THE INWARD PRESSURE: THE NEED TO PLEASE

We want to make other people happy.  We don’t want them to think we are different or outliers.

  • “If I follow Jesus and do what His Word tells me, what are the people going to think?”
  • “What are my friends going to say?”
  • “This is kind of different, and are they going to make fun of me?”
  • “Are they going to understand?” “What are people going to think?”

Fear of man will prove to be a snare, but whoever trusts in the Lord is kept safe. Proverbs 29:25

“Snare” or “moques,” as it is in Hebrew, is word that means a trap.  Literally translated this word speaks of a hook that was put into an animal’s nose.  It was a trap or a snare, like a bull that has a ring in the nose.  Fear of man will prove to be like a hook in your nose.

  • God might lead you to turn off the television because it takes up so much time. WWPT
  • God may lead you to dress modestly in a very immodest world. WWPT
  • Or you might say, “I believe God is leading us to be a foster parent, and you’ve already got four kids and you’re wondering, “Well, what’s my mom going to think?” WWPT

Fear of man will prove to be a snare … but whoever trusts in the Lord will be kept safe.

Becoming obsessed with what people think is the quickest way to forget what God thinks.

Wherever family identity is strong, peer pressure is going to be weak.

But wherever family identity is weak, which is normal, peer pressure is going to be strong. Greg Gunn

You’ve got to deal with that inward need to please.  Fear of man will prove to be a snare, but whoever trusts in the Lord is kept safe.

There’s the inward pressure, the need to please, and then there’s the outward pressure.

  • THE OUTWARD PRESSURE: CRITICISM.

Criticism is feeling the pressure from the outside.  When the conforming people on the broad road hurl insults at you for being on the narrow road:

  • “Hey, what’s up with you? Come back here!  Why are you going to church all of the time?”
  • “Why are you going to that Life Group again? That’s stupid!”
  • “What are you giving to the poor for? There’s always going to be poor people.  Why are you wasting your time?”
  • “Hey, why don’t you go to the movie with us? You’re not going to the movie with us because it’s got bad stuff in it?  What are you, Mr. Goody Two Shoes?”
  • “Come on, we used to smoke weed together! Come back!  You’re Mr. Holier Than Thou!”

They will make fun of you, they will criticize you, and they will persecute you.

When they do, remember the words of Jesus…

John 15:18-20 “If the world hates you, keep in mind that it hated me first. 19 If you belonged to the world, it would love you as its own.  As it is, you do not belong to the world, but I have chosen you out of the world.  That is why the world hates you. 20 Remember the words I spoke to you: ‘No servant is greater than his master.’ If they persecuted me, they will persecute you also. If they obeyed my teaching, they will obey yours also. (NIV)

Get ready for it. Get ready!  It’s a part of being an outlier.

 Someone who stands apart from others of his or her group, as by differing behavior, or beliefs.

  • It’s a part of being set apart. It’s a part of being pure.
  • It’s a part of leaving the normal road that leads to destruction and getting on the narrow road that leads to life.

Normal is not working, and normal people don’t like it when you do something different.

Criticize away!  I find comfort in being called an outlier, and I pray you do as well.

Don’t worry when they criticize you for being different.

Worry when they don’t because chances are you are way too normal.  If no one makes fun of you for the way you follow Christ, you’re just blending in and traveling with the crowd.

Matthew 5:10-13 (NIV) Blessed are those who are persecuted because of righteousness, for theirs is the kingdom of heaven. 11 “Blessed are you when people insult you, persecute you and falsely say all kinds of evil against you because of me. 12 Rejoice and be glad, because great is your reward in heaven, for in the same way they persecuted the prophets who were before you. 13 “You are the salt of the earth.  But if the salt loses its saltiness, how can it be made salty again?  It is no longer good for anything, except to be thrown out and trampled by men.

 You rejoice.  I pray that you are persecuted; I pray that people don’t understand, I pray that you are different.

  •  I CAN’T PLEASE EVERYONE, BUT I CAN PLEASE GOD.

No matter how hard you try, you cannot please everyone, but you can please God.

Paul said: For we speak as messengers approved by God to be entrusted with the Good News.  Our purpose is to please God, not people… 1 Thessalonians 2:4 NLT

NEXT STEP: When you walk out the door this week say, “I can’t please everyone, so I will please God!”

Becoming obsessed with what people think about you is the quickest way to forget about what God thinks about you.

Fear of people will prove to be a snare, but whoever trusts in the Lord is kept safe.

  • IF YOU WANT WHAT ORDINARY PEOPLE HAVE, DO WHAT THE MAJORITY OF PEOPLE DO.
  • IF YOU WANT WHAT EXTRAORDINARY PEOPLE HAVE, DO WHAT FEW PEOPLE DO.

(Be an Outlier, because narrow is the road that leads to life and only a few find it.)

 When you follow Christ, you will be different.

You will be holy, you will be set apart, and you will be persecuted.

Do not worry when you’re persecuted for righteousness sake, worry when you’re not.

Find comfort when they call you an outlier because normal isn’t working.

Don’t conform to the norm.

Life App Group and Family Devotional Application

  1. Name someone you would describe as being an outlier in a God way?  What have you learned from them?
  1. Psalm 69:9-12 describes David being insulted and ridiculed for his faith in God.
  • In what ways have you been insulted or made fun of because of your faith in Christ?
  • How do you typically respond when people insult you because of your faith? How can you draw strength and encouragement from these situations?
  1. Two barriers on the road to being an outlier are 1) the need to please and 2) criticism.
  • How consumed are you with what people think about you? How has that influenced your actions?
  • Why is it so important that we not become obsessed with what others think about us?
  • How can being criticized for your faith be good for your relationship with Christ?
  • Who is someone you admire for the way they handle criticism of their faith? What did you learn from this person?
  1. Read 1 Thessalonians 2:4, Proverbs 29:25, and Galatians 1:10.  These verses show us that we can’t please everyone, but we can please God.
  • What are some of the blessings you have experienced as a result of your pleasing God?
  • What are some things you can do this week to help you focus more on pleasing God instead of others?

Outliers “Don’t Conform to the Norm”                             Believers Statesboro            04-10-16

Conform to the Norm

How often do we just “Conform to the Norm”? The “Norm” can appear to be easier, even safer, but we’ve been learning that we can choose to more  than just normal.

We can be Outliers!

The people on the broad road will say, “You’re different!” when you have the courage to leave the broad road that leads to destruction and get on the narrow road that leads to life.

Join us this Sunday, 4-10-16 at 9 or 11 as we talk about how we can become Outliers.

Outlier – out·li·er /ˈoutˌlīər/ noun

  1. A person or thing situated away or detached from the main body or system.
  2. Someone who stands apart from others of his or her group, as by differing behavior, or beliefs.                                                           (Be an Outlier because normal isn’t working)