Do You Know Where You are Headed?

Scripture: “Knowing that you were not redeemed with corruptible things, like silver or gold … but with the precious blood of Christ.” ~ 1 Peter 1:18–19 (NKJV) Devotional Thought: While spending time in God’s Word recently, I found myself reading Matthew 6 - a passage I have often turned to when discussing issues of money and materialism. This time, I read the entire chapter in one sitting, and it stirred something deeper in me. As I reflected, I saw how Jesus was speaking directly to the heart - not just about money, but about what we truly value. The people of that time were caught up in outward appearances - how they prayed, how they fasted, how they managed their finances, and how they presented themselves. These public figures set the tone for what society viewed as valuable and praiseworthy. But Jesus turned the focus inward. He taught that what truly matters is not external, but internal. It is the posture of the heart that determines our position in the Kingdom of God. So often, we evaluate our worth by comparing ourselves with others. We unconsciously create a hierarchy of value based on possessions, accomplishments, or influence. But Jesus dismantled all of that. He exposed the false narratives we tell ourselves - and those society reinforces - and called us to something far more enduring. Jesus invites us to a life of intimacy with the Father. In teaching the disciples how to pray, He revealed the depth of His relationship with God and extended that same invitation to us. Through this relationship, our hearts are transformed - filled with light, cleansed from darkness, and freed from the grip of materialism. When we root our identity in the Father, we shed the need for pretense, masks, and self-promotion. In that sacred space of prayer and communion, Jesus offers us a new kind of freedom - a freedom not tied to wealth or status, but to eternal worth found in Him. Reflection Question: Are there things in your life that you have valued more than your relationship with Christ? What might He be asking you to release today? Closing Prayer:  Father, thank You for loving me so intimately and for valuing me beyond what the world can offer. Help me to let go of the things that distract or define me falsely. Teach me to value what You value. I long to know You more deeply and to walk in the freedom that comes from intimacy with You. In Jesus’ name, amen.

“See then that you walk circumspectly, not as fools but as wise, redeeming the time, because the days are evil.” ~ Ephesians 5:15-16 I recently read a blog that pointed out a striking truth: no one, rich or poor, lies on their deathbed wishing they had more money, houses, or cars. What they long for is more time—time with loved ones or time spent on what truly matters. Ephesians 5 calls us to “walk circumspectly”—meaning with precision and care. To “redeem the time” is to rescue it from being wasted, to make it count. Time is one of our most precious, limited resources. As Christians, our desire is to walk closely with God and serve Him well. Yet we live in a world full of distractions—work, entertainment, sports, social media, and endless activity all competing for our attention. Paul’s words are strikingly relevant today: “the days are evil.” Most of us would not argue with that. His instruction is to walk wisely and intentionally. This applies to our finances. Some people neglect to think about how they manage their money, while others obsess over it. Neither extreme reflects the wisdom Paul calls us to. So, how do we walk wisely and carefully in this area? It begins with intentionality. Managing money well involves examining our motivations, beliefs, experiences, and habits. How do these align with God’s Word and heart? I encourage you to set aside time to sit quietly with the Lord—Bible, journal, and pen in hand—and reflect on your financial walk. Ask Him to reveal your heart. Here are some prompts to guide you: · Father, how do You see my heart in this area? Write down what He reveals. · Are there any behaviours that displease You? Confess and turn from them. · Are there lies I believe about money or provision? Confess, repent and ask Him to replace them with His truth. · Thank Him for what He’s entrusted to you, and ask for wisdom to steward it well. Paul's call is a reminder: time matters. How important it is now to understand how we manage our finances reflects our alignment—or misalignment—with God's heart. We can make course corrections. We can change our attitudes and beliefs. But ignoring this area means choosing foolishness—and that’s not the legacy we want. Time is moving forward. We have the opportunity to walk wisely, to be a blessing, and to be blessed. How will you respond?

“The heart is deceitful above all things, and desperately wicked; who can know it? I, the Lord, search the heart and test the mind, to give every man according to his ways, according to the fruit of his deeds.” ~ Jeremiah 17:9–10 These verses offer a sobering reminder of how easily our hearts can mislead us. God sees through our motives, thoughts, emotions, decisions, and behaviours. And despite knowing our inner struggles, He still holds us accountable—rewarding each person according to their actions. This truth gave me pause. Do I honestly examine my heart? Am I willing to see what truly drives me—my emotions, reactions, beliefs, and decisions? If I am being honest, there’s a part of me that resists letting the Holy Spirit examine certain areas of my life. Especially the area of money. Finances are tricky—layered, complex, and often hard to unpack. I suspect some of my beliefs and habits do not fully align with God’s heart for stewardship. And I do not think I am alone in this. Many of us carry unspoken assumptions about money, often without realizing it: · As long as the bills are paid, does it really matter where every dollar goes? · I give a lot—so what’s wrong with treating myself now and then? · Debt isn’t a sin, so why worry about it? · Credit cards and loans are just part of modern money management. · I have worked hard and now I get to lay back and enjoy it. · Do I really need to let anyone—God included—into how I manage my money? Not all of us wrestle with these exact thoughts, but if you are honest, what would the Lord say about your internal dialogue? How about the deep, hidden attitudes of your heart? One clear example is the prodigal son’s brother who refused to celebrate his brother’s return. He felt entitled to certain rights. He had been faithful, worked hard and was deserving of more attention. He could not appreciate his brother’s journey through pain and failure. His pride kept him from experiencing God’s real grace. He felt he gained acceptance only by doing his job. Are you truly at peace with where your money goes—into savings, spending, investments, retirement, tithes, or gifts? Some decisions may come from wisdom and care; others might be driven by pride, fear or complacency. Some of our beliefs lead to a sense of entitlement to certain rights. Reflection on each of these areas might prove fruitful. Hidden beliefs, motives and behaviours may come to light and facilitate some course adjustment. The good news? God is both just and merciful. He responds when we ask for help. He never gives up on us, and He gently teaches those who open their hearts to Him. With His guidance, we can reshape our beliefs, change our habits, and learn to steward what He has placed in our hands with integrity and a sense of contentment.

"As Jesus passed on from there, He saw a man named Matthew sitting at the tax office. And He said to him, 'Follow Me.' So, he arose and followed Him." ~ Matthew 9:9 Have you ever considered the makeup of the men Jesus chose as His disciples? Looking at their character, personality, and professions, many of us would likely reject them outright—too rough, not the right fit. But Jesus knew exactly who He was calling. Matthew’s calling stands out. As a tax collector, he was an outcast in society, hated by most. With the government's blessing, he extracted taxes from his own people, making him a figure of scorn. Yet, Jesus saw something in him. The call to follow Jesus wasn’t just a command—it was a connection. Matthew responded, recognizing his need for Jesus and Jesus’ need for him. Matthew immediately invited his friends to join him at the dinner table with Jesus. He knew he wanted them to meet this man. Matthew’s transformation began the moment he answered that call. Being with Jesus changes people. Mindsets shift, perspectives are altered, and old habits are replaced by new ways of living. The lives of the other chosen disciples were also radically altered forever. For Matthew, a former tax collector or customs officer, his life was defined by manipulation and exploitation for personal gain. But over time, Jesus’ love began to heal the wounds inflicted by others and dissolved the mistrust that once controlled him. His change was so profound that he went on to write a book of the Bible that told the story about this man who so changed his life. Jesus didn’t just change his heart; He also reshaped Matthew’s understanding and approach to money. What once drove him—greed and manipulation—was replaced by a new appreciation of the purpose and proper use of money. Matthew’s transformation started with a heart change, which then shifted his motivations and actions. No longer a taker but now a giver to all in need. Matthew’s journey mirrors our own. As we draw closer to Jesus, He begins to change our hearts. New truths emerge, transforming our thinking and our lives from the inside out. What once felt familiar and comforting can and will begin to lose its appeal. Perhaps there are areas of our own financial lives that God wants to transform—new habits, fresh perspectives, and opportunities to bless others. Why hold back when He can bring change to this crucial area of our lives?

“Here I am! I stand at the door and knock. If anyone hears My voice and opens the door, I will come in and eat with him, and he with Me.” ~ Revelation 3:20 Years ago, a friend shared a question she asked her son: If your life were a car and the Lord was traveling with you, where would He sit? Would He be behind the steering wheel, in the passenger seat, in the backseat, or in the trunk? Her son, honestly, replied that the Lord was in the backseat. I have heard similar questions asked, and responses vary. I suspect many people have not deeply considered such a question. Life moves on, and many go through their days without truly reflecting on the Lord’s presence, perhaps only thinking of Him on Sundays during church. For some, it might be as if He’s in the trunk—part of their life, but not central or meaningful. Others may be more aware of the Lord throughout the week, consulting Him occasionally when it’s convenient or necessary. These individuals might think of the Lord as sitting behind them in in the backseat. Then, there are those who clearly desire the Lord’s presence in their lives. They seek His guidance, believing He plays a vital role in their life’s direction. For them, the Lord sits next to them in the passenger seat, involved but not in complete control. Lastly, some have made the conscious decision to place the Lord fully in the driver’s seat of their lives. They have surrendered control, handing Him not only the keys but also the car, trusting Him with the direction and course of their lives. They have invited Him into every aspect of their being, recognizing His ultimate authority over them. The same can be said of how we manage our finances. Some acknowledge the Lord’s influence, but only marginally. Others may consult Him occasionally when making financial decisions, knowing He has something to say about money in His Word, but they still maintain control. However, there are those who understand that everything they have—finances included—belongs to the Lord. They recognize that He has full authority over how their money is spent, saved, and invested. They seek to be obedient to how He leads and directs every step of the way. They trust that He provides the increase or decrease as He sees fit, knowing His purposes are far greater than their understanding. This allows for them to experience His power and presence every day of their lives. He becomes more than an honoured guest. So, where have you placed the Lord in your financial discipleship "car"?

“Do not remember the former things, nor consider the things of old. Behold, I will do a new thing; now it shall spring forth; shall you not know it? I will even make a road in the wilderness and rivers in the desert.” ~ Isaiah 43:18-19 Each new year brings an opportunity to reflect on God’s goodness throughout the past year—to thank Him for His blessings and the ways He has worked in our lives. These moments of reflection often reveal insights we may have missed earlier. Hindsight provides deeper understanding, helping us grasp lessons learned and cherish meaningful memories and experiences. Of course, reflection also brings regrets. Poor decisions, often made hastily or without fully understanding the context, can leave lasting consequences. Unresolved emotions, painful memories, and lingering conflicts demand our attention, pushing us toward resolution and growth. True new beginnings require letting go of the past. Forgiving those who have hurt us and practicing self-forgiveness are among life’s greatest challenges. Yet, our Heavenly Father invites us into His loving embrace, urging us to release our doubts, fears, and shame. He wants us to lay down the burdens of the past year and trust Him to carry them. When we release the disappointments, misgivings, and uncertainties of the previous season, we create space for fresh vision and creativity. Hope arises, and a renewed sense of anticipation strengthens our faith. Isaiah’s words continue to resonate, reminding us that God desires to do something new and transformative in our lives. Just as He was faithful to His covenant people, Israel, He remains faithful to us today. God’s plans are beyond what we can imagine or achieve on our own. His ways and timing are perfect, unobstructed, and immeasurably creative. Even in the most challenging circumstances, He can make a way when no way seems possible. For many, financial struggles can feel like an insurmountable wilderness. Debt, rising expenses, and financial pressures can seem overwhelming, often compounded by unwise decisions or commitments. These challenges can feel like a suffocating weight. Yet, God promises to make a way. His provision and guidance are real and trustworthy. To position ourselves to receive His promises, we must open our hearts to His redeeming love and allow Him to transform our attitudes, beliefs, and habits. When we invite God to refine our approach to money management, He can lead us into newfound freedom and peace. As you step into this new year, take a moment to consider: What new beginnings are you hoping for? What areas of your life need God’s touch? Release the old into His hands, and allow Him to work in ways that only He can. Trust in His promise to make a way—even in the wilderness—and let hope rise within you. 

"But soon a fierce storm came up. High waves were breaking into the boat, and it began to fill with water. Jesus was sleeping at the back of the boat with his head on a cushion. The disciples woke him up, shouting, 'Teacher, don’t you care that we’re going to drown?' When Jesus woke up, he rebuked the wind and said to the waves, 'Silence! Be still!' Suddenly the wind stopped, and there was a great calm.” – Mark 4:37-39, NLT In this passage, we see Jesus with the disciples as a fierce storm hits their boat. Despite the chaos, Jesus remains asleep, seemingly unconcerned. He had planned to cross the Sea of Galilee, and this storm was part of a larger teaching moment. His purpose? To see how the disciples would respond to the storm while He rested. Many of us also recall the moment when Peter stepped out of the boat to walk on water. He did fine until his focus shifted to the waves, and then he began to sink (Matthew 14:30). In both instances, the disciples were acting in obedience to Jesus’ direction, even though they faced storms. Being in a storm doesn’t mean we’ve done something wrong or are out of God’s will. Even with Jesus in the boat, the disciples still encountered the storm. The question is: how do we respond when life gets stormy? Do we call out to Jesus for help? Or do we try to solve the problem ourselves, relying on our own strength and strategies, inadvertently displaying our independence and self-sufficiency? Often, this leads us away from trusting in God. God’s desire is for us to turn to Him, acknowledging our dependence and trust in His ability to guide us through the storms. We all face financial storms—financial setbacks, sudden illness, job loss, overwhelming bills, business struggles, or losses in the markets. No one is immune. Our response to these challenges impacts both our financial and spiritual growth. The two aspects are closely tied together. Sometimes, it’s a walk of faith, making decisions without knowing the outcome – simply following the Lord’s leading. Other times, we try to avoid the problem, only making it worse as the situation spirals. Ultimately, our response reveals where our trust lies. When we cry out to God in the storm, we are acknowledging that He is with us and will lead us through. There’s no better way to weather the storm than to rely on His strength, not our own. 

“He changes times and seasons; he deposes kings and raises up others. He gives wisdom to the wise and knowledge to the discerning. He reveals deep and hidden things; he knows what lies in darkness, and light dwells with him.” ~ Daniel 2:21-22 As we navigate the constant stream of social media posts, news updates, and blog entries, it's hard to miss the frequent revelations about leaders, especially those within the Body of Christ. These exposés often lead to profound repercussions, including the disillusionment of those who once looked up to these leaders. My American pastor friend recently observed that each week seems to bring news of another pastor stepping down due to inappropriate conduct. The fallout is tragic, often leading some to question their faith. Yet, these revelations serve a higher purpose: they challenge leaders to reflect on their lives, what they model and how they manage the resources entrusted to them by God both the sheep and the money. However, God's exposure is not limited to only leaders; it extends to our personal finances as well. Consider how Daniel 2:22 speaks to us: “He reveals the deep and hidden things.” This can certainly apply to our financial lives. Sometimes we actively seek God’s guidance, asking Him to illuminate our financial decisions. Other times, He brings issues to light to prompt us to make necessary changes. What Is God Revealing About Your Finances? As you examine your financial habits, ask yourself: Are you an owner or a manager? Do you see your wealth as something you control and accumulate, or as a stewardship entrusted to you by God? Is your focus on accumulation or generosity? Are you driven by the desire to amass wealth, or are you seeking to use your resources to bless others? Do you trust in yourself or in God as your source? Are your financial decisions based on self-reliance or faith in God’s provision? Do you seek power and status, or aim to serve with humility? Are your financial goals motivated by status and power, or by a desire to serve and encourage others? Do you live for the present or plan for the future? Are your financial choices geared toward immediate gratification, or do they reflect a vision for the future and beyond into eternity? Imagine if someone were to observe your financial transactions, whether they’re purchases, online orders, or the management of bills, investments, and savings. How would they view your priorities and habits? What would they discern about your values and trust? God is ever-aware of our financial practices and desires for us to act with integrity and awareness of His presence. He invites us to reflect on our financial choices and motivations, bringing to light what may be hidden in the depths of our hearts. What Might God Want to Bring into the Light About Your Finances? As you ponder these questions, be open to God’s revelations. He might be calling you to reassess your financial priorities, to shift from a mindset of ownership to stewardship, or to embrace a more generous and humble approach. These reflections are not just about adjusting your budget but about aligning your financial practices with a Kingdom perspective. Consider making new decisions that set a new course for your financial health and spiritual growth. Allow God to expose what is hidden and guide you into a new journey of discovery, freedom and blessings.

“For we are His workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them.” ~ Ephesians 2:10 Over the years, my travels and experiences have allowed me to observe individuals from various economic backgrounds. From those on welfare or pensions to millionaires and people living in third-world nations, I have seen a wide range of financial situations. Many of these individuals identify as Christians and share a common heart: to bless the Lord and be generous, following His prompting to give. They understand the principles of tithing and giving, incorporating these practices into their lives. However, the significance and consistency of these practices vary widely. Observations of Financial Attitudes 1. Entitlement Mentality: Some individuals relying on financial support exhibit a sense of entitlement, believing they are "owed" funds for various reasons. While some reasons are legitimate, others border on illegal. This entitlement often stems from a victim mentality, lacking self-awareness and empowerment, which prevents them from assuming a different mindset about their finances. 2. Financial Responsibility: Others demonstrate purposeful financial management, steadily managing their debt and growing their resources. However, some take a laissez-faire approach, not tracking their spending or debts, letting money come and go without much thought. 3. Giving for Recognition: I have observed individuals who give out of a sense of duty but seek acknowledgment, looking for accolades and a need to appear well-off. For them, giving is tied to receiving blessings and social validation. 4. Third World Generosity: In third-world nations, the perspective is often different. People give out of humility and honour, even when they have little to offer. Their generosity can be overwhelming, teaching us about the true spirit of giving without expecting anything in return. Not receiving would disappoint and wound. 5. Wealth and Humility : Those with significant wealth often display contrasting attitudes. Some flaunt their riches, seeking the limelight and using their finances to influence others. In contrast, others with considerable wealth walk in humility, their wealth and possessions not defining them. Their identity remains rooted in Christ. Reflection How do your money and possessions shape your identity?