Category Archives: Generate Income

How We Pursue Our Finances Matters

Do not be so enthusiastic in your pursuit of profit that you neglect God’s instruction. Our Father constantly reminds us in the Bible that His ways are best. We should take care and heed His advice. Yes we are to work diligently, but we must first commit to working righteously, that is to say “do things God’s way rather than the world’s way”.

Proverbs 10:2-5

      2Ill-gotten gains do not profit,
But righteousness delivers from death.

      3The LORD will not allow the righteous to hunger,
But He will reject the craving of the wicked.

      4Poor is he who works with a negligent hand,
But the hand of the diligent makes rich.

      5He who gathers in summer is a son who acts wisely,
But he who sleeps in harvest is a son who acts shamefully.

We are to seek first the kingdom of God in determining how we live our lives. We are called to be diligent in our pursuits rather than lazy, proactive rather than putting things off to another day.

Take some time to reflect on how this applies to your life. Pray God would lead you and help you make any necessary changes in your life.

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Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .

Are You As Smart As An Ant?

Are you as smart as an ant? Yes, I mean “a-n-t”, not “a-u-n-t”. This may seem like quite a silly question, but sadly many do not fare well in a practical comparison of the wisdom of the ant compared to their own behavior.

Proverbs 6:6-11

     6Go to the ant, O sluggard,
Observe her ways and be wise,

      7Which, having no chief,
Officer or ruler,

      8Prepares her food in the summer
And gathers her provision in the harvest.

      9How long will you lie down, O sluggard?
When will you arise from your sleep?

      10“A little sleep, a little slumber,
A little folding of the hands to rest”—

      11Your poverty will come in like a vagabond
And your need like an armed man.

While I have great compassion for those to whom bad situations or poverty has come, we do well to recognize that there are many times when it is of our own doing. If we blame others, we do not address the situation. Let us take a lesson from the ant and remind ourselves to plan ahead. Let us not live only in the “now”. Let us give up some pleasure now and trade it for hard work and self discipline. In many cases we can be much more prepared to deal with the challenges which may come our way.

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Remember that all you have belongs to God. Manage your money God’s way and use it for His glory rather than your own. Visit GrowGodsMoney.org .

Parental Counsel from Solomon

For those who do not know Solomon, he was a man uniquely gifted with wisdom by God. He wrote proverbs a few thousand years ago now and his observations and counsel are as valid today as they were then.

Here is some of his advice from Proverbs 6.

We should be very cautious when we pledge, with our money or resources to back it up, on behalf of someone else who is struggling to manage their money. (If they were not struggling, they would not need our help.) Do not risk in this way anything you are not willing to lose if circumstances do not work out.

Proverbs 6:1-5

      1My son, if you have become surety for your neighbor,
Have given a pledge for a stranger,

      2If you have been snared with the words of your mouth,
Have been caught with the words of your mouth,

      3Do this then, my son, and deliver yourself;
Since you have come into the hand of your neighbor,
Go, humble yourself, and importune your neighbor.

      4Give no sleep to your eyes,
Nor slumber to your eyelids;

      5Deliver yourself like a gazelle from the hunter’s hand
And like a bird from the hand of the fowler.

We must be diligent and take personal responsibility for our future needs. Do not rely on someone else or make excuses to put off getting started. The most important aspect of completing a journey is beginning it properly and at the right time. In this way we prepare wisely for our future and will also be better prepared to help others along the way.

Proverbs 6:6-8

      6Go to the ant, O sluggard,
Observe her ways and be wise,

      7Which, having no chief,
Officer or ruler,

      8Prepares her food in the summer
And gathers her provision in the harvest.

Sloth, or laziness, is a sure way to end in poverty and need. There are other ways to find poverty, but sloth is one that almost assures it.

Proverbs 6:9-11

      9How long will you lie down, O sluggard?
When will you arise from your sleep?

      10“A little sleep, a little slumber,
A little folding of the hands to rest”—

      11Your poverty will come in like a vagabond
And your need like an armed man.

God considers those who are wicked and perverse to be worthless. They may feel like they are “winning” and “being successful” at their wicked endeavors, but in the end they will face God’s judgment. Often there deceitful ways catch up with them in this life as well, bringing calamity without healing.

Proverbs 6:11-15

      12A worthless person, a wicked man,
Is the one who walks with a perverse mouth,

      13Who winks with his eyes, who signals with his feet,
Who points with his fingers;

      14Who with perversity in his heart continually devises evil,
Who spreads strife.

      15Therefore his calamity will come suddenly;
Instantly he will be broken and there will be no healing.

Be wise in the ways of God rather than man. Seek to reflect on this wisdom from Solomon and apply it in your life. Do not just read it and say… “that is true, someone needs to hear that”. Instead, prayerfully ask God to help reveal to you any areas that you need to address personally in your life… and go start to fix them. Then consider if there are others you know that need help in this area. They will learn more from your example than from your words.

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Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .

Seek Wisdom Rather Than Gold

We all need provision in order to live and God expects us to look to him to guide us rather than doing things our own way. Truth be told many suffer greatly because they pursue financial wealth as their master rather than seeking finances as a tool for the provision and furthering of God’s kingdom.

1 Timothy 6:10

10For the love of money is a root of all sorts of evil, and some by longing for it have wandered away from the faith and pierced themselves with many griefs.

Ecclesiastes 5:10

 10He who loves money will not be satisfied with money, nor he who loves abundance with its income. This too is vanity.

Seek wisdom from God rather than gold and silver. With wisdom, you will also find sufficient financial resources and learn to be content rather than covetous or greedy. With wisdom comes joy.

Proverbs 3:13-18

      13How blessed is the man who finds wisdom
And the man who gains understanding.

      14For her profit is better than the profit of silver
And her gain better than fine gold.

      15She is more precious than jewels;
And nothing you desire compares with her.

      16Long life is in her right hand;
In her left hand are riches and honor.

      17Her ways are pleasant ways
And all her paths are peace.

      18She is a tree of life to those who take hold of her,
And happy are all who hold her fast.

I encourage you to click the link above and read all of Proverbs 3. Prayerfully reflect if you are serving God or money. We all need to spend time working to provide… but often many work longer to get a bit more money and do not invest similar effort in their relationship with God. One quick check is to compare how much time you spend trying to “get ahead” financially by working extra to how much time you spend trying to learn more about God by studying His word and coming before Him humbly in prayer.

If you need to make changes, write down a simple plan today, maybe even now. How can you set aside more time to build your relationship with God?

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Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .

To Build Wealth, Spend Less than You Earn

Spend less than you earn. I know this sounds very simple and elementary. It is just that. It is nonetheless the first and most fundamental step on your journey to build wealth. You can adjust the relationship by increasing earnings or decreasing spending… or both. But if you deny this fundamental law and spend more than you earn you are accumulating debt rather than wealth, no matter how much money you make.

Learn to be content with what you can afford and what you already have. Do not covet what others have or you will never be satisfied. There is always someone out there with more stuff than you.

  • Prov 13:11 NIV11 … whoever gathers money little by little makes it grow.

To those who love money, they will never have enough. Use money  as a tool to serve God and to support yourself and your family, not as a goal in and of itself.

  • 1 Timothy 6:9-10But those who want to get rich fall into temptation and a snare and many foolish and harmful desires which plunge men into ruin and destruction. 10 For the love of money is a root of all [a]sorts of evil, and some by longing for it have wandered away from the faith and pierced themselves with many griefs.
  • Ecclesiastes 5:1010 He who loves money will not be satisfied with money, nor he who loves abundance with its income. This too is [a]vanity.

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Remember that all you have belongs to God. Manage your money God’s way and use it for His glory rather than your own. Visit GrowGodsMoney.org .

 

Wealth Gained Through Righteous Effort Should Not Be Condemned

Using God’s gift of wisdom to achieve wealth and financial gain is not wrong if done in a righteous way in which you plan and invest wisely, avoid deceit and trickery, and live according to God’s commands. Joseph was a man who was faithful to God throughout his life in good times and in bad. God blessed him with the ability to interpret dreams and then God used that gift to place Joseph in a significant leadership role as governor over all of Egypt. Through Joseph, God blessed the descendants of Israel (formerly known as Jacob) and he also blessed Pharaoh, making him very wealthy and protecting his people from famine.

Genesis 47:1-27

Jacob’s Family Settles in Goshen

      1Then Joseph went in and told Pharaoh, and said, “My father and my brothers and their flocks and their herds and all that they have, have come out of the land of Canaan; and behold, they are in the land of Goshen.” 2He took five men from among his brothers and presented them to Pharaoh. 3Then Pharaoh said to his brothers, “What is your occupation?” So they said to Pharaoh, “Your servants are shepherds, both we and our fathers.” 4They said to Pharaoh, “We have come to sojourn in the land, for there is no pasture for your servants’ flocks, for the famine is severe in the land of Canaan. Now, therefore, please let your servants live in the land of Goshen.” 5Then Pharaoh said to Joseph, “Your father and your brothers have come to you. 6“The land of Egypt is at your disposal; settle your father and your brothers in the best of the land, let them live in the land of Goshen; and if you know any capable men among them, then put them in charge of my livestock.”

      7Then Joseph brought his father Jacob and presented him to Pharaoh; and Jacob blessed Pharaoh. 8Pharaoh said to Jacob, “How many years have you lived?” 9So Jacob said to Pharaoh, “The years of my sojourning are one hundred and thirty; few and unpleasant have been the years of my life, nor have they attained the years that my fathers lived during the days of their sojourning.” 10And Jacob blessed Pharaoh, and went out from his presence. 11So Joseph settled his father and his brothers and gave them a possession in the land of Egypt, in the best of the land, in the land of Rameses, as Pharaoh had ordered. 12Joseph provided his father and his brothers and all his father’s household with food, according to their little ones.

      13Now there was no food in all the land, because the famine was very severe, so that the land of Egypt and the land of Canaan languished because of the famine. 14Joseph gathered all the money that was found in the land of Egypt and in the land of Canaan for the grain which they bought, and Joseph brought the money into Pharaoh’s house. 15When the money was all spent in the land of Egypt and in the land of Canaan, all the Egyptians came to Joseph and said, “Give us food, for why should we die in your presence? For our money is gone.” 16Then Joseph said, “Give up your livestock, and I will give you food for your livestock, since your money is gone.” 17So they brought their livestock to Joseph, and Joseph gave them food in exchange for the horses and the flocks and the herds and the donkeys; and he fed them with food in exchange for all their livestock that year. 18When that year was ended, they came to him the next year and said to him, “We will not hide from my lord that our money is all spent, and the cattle are my lord’s. There is nothing left for my lord except our bodies and our lands. 19“Why should we die before your eyes, both we and our land? Buy us and our land for food, and we and our land will be slaves to Pharaoh. So give us seed, that we may live and not die, and that the land may not be desolate.”

Result of the Famine

      20So Joseph bought all the land of Egypt for Pharaoh, for every Egyptian sold his field, because the famine was severe upon them. Thus the land became Pharaoh’s. 21As for the people, he removed them to the cities from one end of Egypt’s border to the other. 22Only the land of the priests he did not buy, for the priests had an allotment from Pharaoh, and they lived off the allotment which Pharaoh gave them. Therefore, they did not sell their land. 23Then Joseph said to the people, “Behold, I have today bought you and your land for Pharaoh; now, here is seed for you, and you may sow the land. 24“At the harvest you shall give a fifth to Pharaoh, and four-fifths shall be your own for seed of the field and for your food and for those of your households and as food for your little ones.” 25So they said, “You have saved our lives! Let us find favor in the sight of my lord, and we will be Pharaoh’s slaves.” 26Joseph made it a statute concerning the land of Egypt valid to this day, that Pharaoh should have the fifth; only the land of the priests did not become Pharaoh’s.

      27Now Israel lived in the land of Egypt, in Goshen, and they acquired property in it and were fruitful and became very numerous.

Many will complain that Joseph took advantage of the people by taking all they owned for Pharaoh. This view simply does not stand up to careful scrutiny. The people were thankful to Joseph for feeding them and keeping them from death. Further, once Joseph had gained everything for Pharaoh, he allowed the people to work the land and keep the large majority of what they grew. Even though Pharaoh “owned” it all, Pharaoh only collected 20% or 1/5. This is incredibly fair… I can hardly resist comparing this to what we consider a “free” nation of the United States of America today, in which the government takes higher personal and corporate income tax than Pharaoh did! At least Pharaoh owned what he collected income from.

Joseph used the gifts God gave him in a righteous manner to glorify God, support God’s people, and even fulfill the duties of the position under Pharaoh that God had placed him in and to do so very effectively… and he became wealthy along the way.

Wealth should not be despised, but rather only unrighteous behaviors and attitudes should be despised and rebuked. Wealth developed by righteous people is often used to glorify God and help His people. We should be thankful to God and give Him the glory and avoid resenting His servants who become wealthy. Perhaps we should even try to learn from those who gain wealth righteously rather than condemn them.

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Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .

Find Favor with Both God and Man

It is easy to become full of ourselves, filled with pride when we succeed in the eyes of men. We must be careful to remain humble and serve God even in success. Many wise men, including David and Solomon, started with a close relationship with God and then drifted further from God when they had much success and power… and it was to their own downfall. When we find favor in the sight of God and man by living humbly and righteously according to God’s instruction, do not change the recipe. Keep doing the things that got you there… pray, study scripture, listen to God and obey, work hard, be patient, give glory to God for what He does through us, etc.

Joseph set a fantastic example in  Genesis 41:38-49. Joseph did not change when he was given great power and authority. He worked diligently and responsibly, maintaining his right relationship with God and he continued to experience favor from God and men as a result.

Joseph Is Made a Ruler of Egypt

38Then Pharaoh said to his servants, “Can we find a man like this, in whom is a divine spirit?” 39So Pharaoh said to Joseph, “Since God has informed you of all this, there is no one so discerning and wise as you are. 40“You shall be over my house, and according to your command all my people shall do homage; only in the throne I will be greater than you.” 41Pharaoh said to Joseph, “See, I have set you over all the land of Egypt.” 42Then Pharaoh took off his signet ring from his hand and put it on Joseph’s hand, and clothed him in garments of fine linen and put the gold necklace around his neck. 43He had him ride in his second chariot; and they proclaimed before him, “Bow the knee!” And he set him over all the land of Egypt. 44Moreover, Pharaoh said to Joseph, “Though I am Pharaoh, yet without your permission no one shall raise his hand or foot in all the land of Egypt.” 45Then Pharaoh named Joseph Zaphenath-paneah; and he gave him Asenath, the daughter of Potiphera priest of On, as his wife. And Joseph went forth over the land of Egypt.

46Now Joseph was thirty years old when he stood before Pharaoh, king of Egypt. And Joseph went out from the presence of Pharaoh and went through all the land of Egypt. 47During the seven years of plenty the land brought forth abundantly. 48So he gathered all the food of these seven years which occurred in the land of Egypt and placed the food in the cities; he placed in every city the food from its own surrounding fields. 49Thus Joseph stored up grain in great abundance like the sand of the sea, until he stopped measuring it, for it was beyond measure.

Joseph had experienced much suffering and difficulty in his early life… sold into slavery by his brothers, thrown into jail based on lies, and forgotten in jail for years by one he helped. Joseph handled it with great patience and a righteous attitude toward God. Surely we would be tempted to think God forgot about us in his circumstances… to possibly disastrous results if we let our circumstances separate us from God. But now at 30 years old, Joseph stood tall as second in command of all Egypt… right where God wanted him. When he assumed the position, Joseph did not change and take credit or become filled with pride. He continued to honor God and faithfully carry out his work.

Challenge yourself, as followers of Christ, to take on the patience, diligence, humility, forgiveness, and faith which Joseph demonstrated throughout his life… through good times and bad. This is a great recipe to find favor with both God and man.

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Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .

7 Tips to Find Joy in Your Work

Why do so many of us accept that work should be a burden we must endure, rather than a part of our life in which we find joy or at least contentment?

It is intuitive, but also backed up by studies, that people who are happy at work are more productive and more successful. They perform better at their work because they find joy and satisfaction in what they do. These are people you want to be around.

I am certainly not suggesting that I expect all of us to get paid for doing something we enjoy as much as spending time with our families or going on vacation. However, there are a number of simple things we can do to find joy in our work.

1- Remember that we are more than our work. Our personal value comes from God. He crafted each of us as unique and special individuals to serve Him. Our value is not defined by how we perform or are perceived to perform at work.

2- Ultimately our joy comes from God. Ensure you spend time in prayer and study of the Bible daily.  Not only do we grow closer to God and develop a better understanding of His character and instruction for our lives, but it puts into perspective what is important about our work and our lives.

3- Basic for finding contentment or satisfaction with any job is reminding yourself why you choose to do that work. List the positive aspects of your employment such as providing for your family, enabling you to support your church or honor God with your money, and allowing you an opportunity to reach people for Jesus in your workplace… can really impact your attitude toward your job. Instead of viewing it as a prison with chains, it is a choice you make for specific reasons. If you can not find any good reasons or if the job forces you into conflicts with your Christian faith you likely want to seek alternate employment.

4- Know how your job or role contributes and matters to the bigger picture where you work. Don’t limit yourself to a narrow view of just “completing specific job tasks”, but rather understand the broader picture. It leads to a higher degree of satisfaction.  This concept is described from a classic example:

A man walked down a road by a construction site. He saw three workers laying bricks in what appeared to be a wall. As he asked each man separately what they were doing he received the following three responses… I am laying bricks, I am building a wall, and finally, I am building a cathedral so people can worship and honor God.

Which of the three men do you think was most satisfied with his work? The one who saw the bigger picture of course. He understood not just what he was doing but the value of it to a bigger purpose.

5- Avoid focusing too long in your mind about what a “perfect” job would be like. This type of exercise can be useful to help identify a specific action such as evaluating alternate employment, but becomes depressing if you continually compare your current circumstances to a theoretical perfect job that may not really exist.

6- Look for ways you can take initiative at work to help create the environment in which you want to work. If you want a friendly and Christian environment… then start by acting that way yourself!

7- Certainly not last, but at the end of the list because it is something we should keep in our minds as we go back to our daily lives… come before God humbly and ask Him to help you find joy in your work… whether in your current job or by finding another.

For additional resources to help you find joy in your work, check out our Earn Money with a Purpose page at GrowGodsMoney.org.

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Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .

Boost Your Short Term Income

Many write on the internet about how you can earn extra money, even from home over the computer. There are an amazing number of ways to pursue incremental income with today’s technology.

Before you leap with excitement to the search engine to identify all the ways you are about to make lots of money from home, you should probably start by thoughtfully considering your goals. What are you trying to achieve?

Are you looking for a short-term boost to your income to accomplish a specific goal, like paying off credit card debt or donating to a church fund to help your community? Are you looking for long-term incremental income that you can do on top of your current daily commitments? Perhaps you are seeking a new profession entirely and want to leave your “day job”. Clearly identifying, and writing down, your objectives can help guide you when you start your search to find the right answer for your situation, personality, and skills.

Ok… I know you are excited but wait just a minute more… nothing is free. All of these activities take time. All too often people refer to the quality of life in regard to only what you can buy and how much stuff you have. In truth, quality of life is more dependent on our ability to be content with what we have. Then we can focus on the true value of our time… we never truly know how much we will have and we can not get any of it back once we use it. So it is very important to consider what time commitment you are willing to put towards any effort to gain incremental income.

Now spend some time setting your goals and limitations (e.g. how much time you are willing to take away from other things you do). Make sure you understand your broader priorities and do not just focus on the pursuit of more money at all costs… that is greed. Then search away to identify a selection of good ideas for earning more income that will work for you!

Don’t forget to evaluate any legal liabilities or safety concerns when selecting something that may be right for you. The following list are just ideas to get your thoughts started… not a recommendation for any specific site, activity, or business.

  • Tutor
  • Wash cars
  • Cut grass
  • Clean houses
  • Babysit, pet sit or house sit
  • Help care for the elderly
  • General household chores or handyman activities
  • Buy water bottles in bulk and sell them at local events. Easy profit and people will thank you for it unless you overcharge.
  • Rent your car through sites like GetAround or RelayRides
  • Rent your home through sites like Airbnb or VRBO
  • Become a driver with Uber or Lyft
  • Hire out through services that coordinate temporary workers
  • Sell extra stuff you have at garage sales, Craigs List, eBay, etc
  • Look for sites that pay you to try new products or visit stores and provide feedback
  • etc…. etc…. etc.

Parting thought… set up a specific time frame to come back and evaluate the activity you selected and compare or steward it to the written objectives you laid out at the start. Is it working as you thought? Did you protect your time and your other priorities (e.g. does your family still know you? still like you?) Just because you started something does not mean you need to keep doing it if it is not working out. That is why you write down your goals/objectives, identify relative priorities, and put constraints on the time commitment before you begin. It is not just about the dollars. It is about the quality of life.

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Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .

3 Steps to Generate Higher Income That Lasts

For most of us, we focus on one or a few primary sources of income generation based on a core set of skills or knowledge that we have. We need to do a few key things to make a sustainable change in our long-term income potential.

KNOW Your Skills

This sounds simple, but many of us have an over-inflated idea of how good we are at what we do.  Consider if we were to take a poll of people who have a certain type of job. It is fairly typical that well above half the people would indicate they believe they are above average at performing that skill. Mathematically this can’t be true.

Seek validation on your skill level (strengths and weaknesses) from a trusted friend or colleague. Try to find an objective way to measure your skill. If you are getting feedback from your supervisor or customers/clients, welcome it and genuinely listen to what they are telling you instead of getting defensive.  Ask friends that know you well to speak about other skills they see that you have but may not be currently using as a source of income. Objective self-reflection is also very helpful.

Having a realistic view of what we are good at and what we are not at is an important foundation for growing sustainable income.

GROW Your Skills

Once you identify a reasonably objective set of strengths and weaknesses, you can start making decisions about which of these you should focus on improving first. By improving on some of your weaknesses or building further on your strengths you can grow your capability and skills… which inevitably makes it easier to grow your income.

Some skills can be worked on at home or informally by studying and practicing. Other skills are best improved through formal training (e.g. community college, trade schools, apprenticeship at companies doing that work, university or college degrees).

Growing the key skills around which you base your income is foundational to improving your income generation potential.

SHOW Your Skills

Even with your current situation, be sure you are genuinely working in such a way as to demonstrate your skills and potential. Do not let laziness or lack of motivation pull you into underachieving. You are paid based on the skills you demonstrate, not the skill potential you have. As you grow your skills, it will translate directly to your current source of income. If you are self-employed, your effectiveness and earnings will improve. If you work for someone else, they likely will notice.

You can also market your skills to other companies doing similar work or to other companies doing different work that you are qualified to do. By marketing yourself to other opportunities you will get a realistic measure of whether or not you can earn more money by switching employers or job types.

As you consider these important aspects of income generation, keep in mind also that how much you enjoy what you do or where you work has a significant impact on your job performance and your enjoyment of life. After all, generating income is only one aspect of a personal financial strategy… a part of a bigger plan. Do not be too quick to pursue whatever pays the highest just to find out later you are unhappy and unsatisfied. It is best to seek contentment wherever you are for as long as you are there and to seek God’s direction for your life. His plans are always better than our own!

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Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .