The Two Personal Finance Decisions That Bring the Greatest Hope

I read a news article this week that left me with mixed feelings. The nation’s 3 largest banks raked in $4.6 billion last year from ATM and overdraft fees.

When I first read this article I felt intense anger at the monster banks in our country. I thought, These big banks are stealing Americans’ hard-earned money. But then I thought, Do Americans not have any more personal finance skills than to allow their checking accounts to overdraft, or pay fees to draw money out of an ATM machine? (The average fee for using an “out-of-network” ATM in the United States is now $4.76 according to Bankrate.)

The Center for Financial Literacy at Champlain College in Vermont recently scored citizens in the 50 states for personal financial literacy. The state I live in, Alabama, scored a D. That’s awful!

Among the many Bible teachings regarding personal finance I believe 2 are paramount: give to God’s Kingdom, and get out of debt. Don’t check out on me, please, keep on reading.

Give to God’s Kingdom

The first thing we must realize is that none of us actually owns anything. That’s right. God is the owner of everything. Heed the words of Psalm 24:1: “The earth is the Lord’s, and all it contains, the world, and all those that dwell in it.” Everything we possess now, or ever will, belongs to God.  We are only entrusted with it for a time, and during that time we must make wise choices with God’s resources. It’s the principle of stewardship, said Larry Burkette.

So if we are entrusted by God to be His stewards (His managers of what He allows us to have) then we must prioritize God’s work in the world. Understand that God is not some poor, weak God that He needs our money. Remember, He already owns everything.

But our personal giving to the Lord’s work makes the world a better place. As we give to God’s work in the world we make eternal investments. We help needy people. Our giving to God’s work is the primary way in which we say “Thank you” to God for all His blessings.

God has made a tremendous promise to us in His Word, the Bible. “More than anything else, put God’s work first and do what He wants. Then the other things will be yours as well” (Matthew 6:33). Did you get that? Give to God, and He gives back to you.

Get Out of Debt

Proverbs 22:7 states, “Those who borrow are slaves of moneylenders.” Ouch! The borrower is slave to the lender. When you are in debt to another, you enter into a slave/master relationship with your creditor.

I cannot write this blog post with integrity without sharing that I have not always lived a “debt free” life. In my young adult years I allowed myself to become a slave to Sears, JC Penney, Visa, MasterCard, GMAC, and other creditors. I had so many monthly payments I lived paycheck to paycheck. I never failed to pay a bill on time, but I had little to show for my paycheck. I resolved to become debt free, and thankfully, I am today.

God can’t keep us out of debt. That is our responsibility as good stewards/managers of what God has given to us. For more than 20 years I have been a Dave Ramsey disciple. Dave is hard core “no debt.” His “7 baby steps” will lead to personal financial freedom.

Money problems are unique in that they go to bed with you at night, and wake up with you in the morning. When you have money problems you just feel hopeless.

That’s the reason we give to God, and we get out of debt. These 2 financial decisions always bring great hope.

Truthfulness Always Gives Hope

Webster’s Dictionary recently added 1,000 new words. One new word is fast fashion, when manufacturers quickly bring fashion to the marketplace at inexpensive prices. Another new word is ghost, abruptly cutting off all contact with someone. Other words added were safe space, a place on social media free of bias, conflict, criticism, or threatening actions; and humblebrag, to make a seemingly modest reference to one’s achievements.

I am thinking a word that has always been in the dictionary needs to be reclaimed and lifted up in our society today—truth. A basic definition of truth would be “that which is in accordance with fact or reality,” “sincerity in character, action, and words.”

Sadly, today we are hearing terms like alternative facts (making up your own facts), or alternative truth (truth as you define it), false measures (distortion of accurate facts), and fake news (when the press doesn’t tell the truth or give accurate facts).

Most of these terms are coming today from the political world. But as politicians and others use these terms, the American people are being taught that real-live, actual truth does not matter anymore, that you can make up your own truth, no matter what the facts show. This attitude destroys hope.

Truthfulness Builds Hope Into Our Relationships

Twenty-five percent of couples in their 20s say they have made purchases of $500 or more without telling their spouses. Six percent have taken the deception a step further by maintaining hidden checking or savings accounts or using secret credit cards. We call this behavior today “financial infidelity” (infidelity meaning you weren’t true to your spouse). Just imagine how financial infidelity destroys the hope of a growing, satisfying marriage

Truthfulness Builds Credibility Into Our Institutions

In the Penn State football scandal some years back, an assistant coach was sexually abusing children without the university’s knowledge. Trust in that institution of higher learning was damaged.

My wife received a piece of mail the other day that was inserted into an envelope that claimed to be an “official government notification.” When she opened the envelope, inside was an advertising piece from a car company. We felt tricked. Our trust in marketing-advertising went down.

Truthfulness Builds Trust in Others

If one of your children has a problem with lying, you can’t trust that child. If a parent constantly lies to a child, that kid grows up believing you can’t trust adults. If a person says, “I will do that,” but then reneges, you wonder if you can trust anyone to do what he or she says.

Truthfulness Is Essential to Your Personal Faith

We hear a lot today about “absolute truth” and “relative truth.” Absolute truth says that something is true for all people at all times and in all circumstances. Bible teaching is absolute truth. What God says in His Word, the Scriptures, is true for every person at all times and in all circumstances.

Relative truth, on the other hand, says truth can be true for one person, but not for another person, different people might see truth in different ways, and truth change with circumstances.

The emergence of relative truth in recent years means our children are growing up not knowing what to believe. Relative truth sabotages the clear absolute teachings of the Bible, and diminishes the authority of Bible teaching.

Do you see now how truthfulness brings hope? And can you also see how growing untruthfulness in American life today is destroying our hope that our country can be united as well as a positive influence in the world? Truth really does build hope. That fact is the reason Jesus said, “You will know the truth, and the truth will set you free” (John 8:32).




1 Simple Question for a Hopeful New Year

“You will know the truth, and the truth will set you free (John 8:32)

I love every New Year. Not just because New Years Day is my birthday, but because each new year is an opportunity for a new start, a fresh beginning. As we anticipate the start of 2017, if you are like me, you desire a positive, full of hope, 2017. I can tell you how to have that kind of year. The answer is just one word: Why?

If you have children you understand the question, “Why?” Mom, why does our house not have a fireplace?”  “Daddy, why is the sky blue?” And when your children become teenagers the Why question becomes combative. “Why can’t I go to that party?” “Why can’t I have a new cell phone?”

Asking “Why?” isn’t a bad thing. Have you noticed that when we become adults we tend not to ask “Why?” as much?

Asking “”Why?” Works

And here is the reason. The “Why?” question always takes you to the real reason for your problems, challenges, and opportunities. Let me give you some examples.

  • Why did my personal finances become such a mess this past year?
  • Why does there seem to be some emotional distance between me and a family member?
  • Why does my teenager not want to talk with me?
  • Why did I put on extra, and unwanted, pounds this past year?
  • Why does God seem far away to me?
  • Why can’t I finish many of the projects I start?
  • Why didn’t I see the opportunity that came my way recently?
  • Why did I not save any money this past year?

Asking “Why?” Brings Many Benefits to Your Life.

  • The Why question helps you grow as a person.
  • The Why question makes you accountable for doing things differently and better.
  • The Why question leads you to really live instead of just existing.
  • The Why question will always get you to the root of a difficult problem.
  • The Why question places you in a position to make better decisions.
  • The Why question allows you to spend your money wisely.
  • The Why question brings focus to your life.
  • The Why question opens your thinking to options you have not thought about.
  • They Why question places you on the path to learning some new things.

2017 and the Why? Question

As you embrace 2017, the new year, in what areas of your life do you need to be asking, “Why?” Choose one of the following questions, or one of your own choosing, as your Why question for 2017.

  • Why did I have so many problems this past year?
  • Why did I not read my Bible and pray as I should this past year?
  • Why did I not exercise much this past year?
  • Why did I not read more this past year?
  • Why did I fail to take advantage of so many opportunities this past year?
  • Why did I attend church so infrequently this past year?
  • Why am I not feeling hopeful about 2017?
  • Why am I not spending quality time with my children?
  • Why is my marriage not satisfying?
  • Why ____________________?

Jesus might have given us the best advice about a new year, and He didn’t even mention New Years Day. He said, “You will know the truth, and the truth will set you free (John 8:32). Remember, when you ask “Why?” you always get to the root of the problem. That is when you quit making excuses, and you get down to business, and you find solutions. And the result? Freedom and Hope!

Christmas and FOMO

“I bring you good news of great joy that will be for all the people. Today in the town of David a Savior has been born to you; he is Christ the Lord”                (Luke 2:10-11).

In case you did not have enough on your mind, a new anxiety-phobia has affected many people. It’s called FOMO (the fear of missing out). In fact, the word FOMO was added to the Oxford English dictionary a couple of years ago.

What is FOMO, anyway? It’s that gnawing concern that you might have missed out on something important. Missing out? But on what? On what other people are doing. They’re having exciting experiences that you’re not. Your friends went to the concert of the year, but you did not. Your neighbor’s child was accepted by a prestigious college, but your child was not. A Facebook friend just took the vacation of a lifetime, and you did not. A workmate got married, and you are still single.

Have you seen those books with the title “__ Places to See Before You Die?” Dozens of books like these urge you to see all these places, and if you don’t, well, you got left out because everyone else is taking these fabulous trips. Now do you see how FOMO works?

I suppose the primary culprit of FOMO is social media, what one person has called “Facebook-Instagram Envy.” You see those great photos people share—their new home, their new car, a delicious meal, a cute moment with the grandkids. The cumulative effect of these images makes you feel your “just normal” life must be drab by comparison. You are left with the impression that you have missed out.

So what’s the cure for FOMO? May I be bold and share with you that Christmas neutralizes, and prevents, FOMO. I’m not talking about Santa, presents, and Christmas parties, but the true meaning of Christmas—that God became a human being in the person of Jesus Christ. Theologians call this truth the incarnation, meaning “in flesh.”

How is Christmas the antidote for FOMO?

God Has Given You the Best Gift You Will Ever Have

That gift began with the arrival of the baby Jesus who was laid in a manger. (Read the Christmas story in Luke 2:1-20 in the Bible.)

Think back on all the Christmases you have celebrated. What’s the best gift you ever received? A new coat? A tablet computer? Perhaps an automobile? A super-generous gift card? None of that compares with the gift of God’s Son, the Lord Jesus.

Here’s why. Only Jesus can deliver and save you from your biggest problem—your personal sins. I know it’s not popular to talk about sin, and so many people honestly believe they don’t have any sin. But here’s the straight talk. Your sin violates God’s holy standards revealed in the pages of Scripture. Your sin also separates you from a close and meaningful personal relationship from God. God is holy and perfect, thus, He can’t mingle with our sin.

Jesus did not stay a baby. He grew up, lived a perfect and sinless life, then willingly died on a Roman cross to provide your forgiveness. On that cross, He took upon Himself the punishment for sin that you deserved. He did this because He loves you deeply. What a gift!

And because Jesus is God’s gift, you can’t earn Him or work your way into His approval. He already loves you unconditionally. God only asks that you express sorrow for your sins, and receive Jesus into your life by faith.

So you see, if Jesus is in your life, then you haven’t missed anything that really matters. You have been given the greatest gift of all—forgiveness. You can have the greatest experience of all—personal salvation. You can have greatest relationship of all—a loving and vital relationship with God.

So the next time the anxiety of FOMO comes over you, just look to Jesus. He is your hope, and the remedy for FOMO.

5 Ways to Be Hopeful When Your Christmas Isn’t Merry

Have you ever noticed that many of the songs we sing at Christmastime are reminders that Christmas is supposed to be the most wonderful time of the year? Songs like, “It’s the Most Wonderful Time of the Year” and “Have a Holly, Jolly Christmas” are examples.

But remember, Elvis Presley once sang, “I’ll Have a Blue, Blue Christmas.” And maybe that’s what you are feeling this Christmas season will be like for you—blue, sad, maybe even depressing.

You might have lost a loved one by death this year. Perhaps your car broke down, the refrigerator has died, the heating system has gone out, or there just isn’t much money. Someone you loved walked out of your life. It’s hard for you to have a holly, jolly Christmas. So what can you do to recover some hope this Christmas? Here are 5 practical ways.


Rethink Your Expectations

People who struggle with feelings of disappointment at Christmas usually put too much energy into trying to make it a “perfect” Christmas. Some things, however, will not go as planned. You might run out of wrapping paper. You will forget to buy batteries. Your turkey could turn out a little dry. The kids (or adults) will squabble and fuss.

Here’s a tip. Instead of asking, “What will this Christmas be like for me?,” Ask, “What will I be like this Christmas?” The first question makes you the center of attention. Instead, make an expectation of yourself. “What will I be like for Christmas? Will I be depressed, or will I choose to be a positive, joyful person? Will I be inflexible and rigid, or will I choose to go with the flow?”

Rethink Your Obligations

If you are like me you have an abundance of obligations from January through November. But what do we do when December comes? We just add more to our schedules. We have to find time to decorate and to shop. We have parties to attend, and more. The overload to our schedules sets us up for declining energy, stress, disappointment, and a case of the blues.

Come to the realization that you can’t do it all. There might be some events you can’t attend. Some gifts that you won’t buy. Some decorating that would be nice, but you just don’t have the time. It’s OK to say, “I can’t do it all.”

Remember Your Blessings

This Christmas, instead of focusing on what you don’t have, focus on what you do have. God has not abandoned you, forgotten you, or left you high and dry. Instead, He really has blessed you abundantly. Rather than feeling sorry for yourself, count your blessings.

Why not begin to identify those 3, 4, or 5 things in your life that are particularly precious to you—your children and grandchildren, your health, your accomplishments, your talents, your relationships, your spouse, are examples. Thank God for those blessings. You can wallow in self-pity at this time of year, or you can count your blessings and find much to be thankful for.

Focus on Others

Doing something for someone else has always been a surefire way to beat the blues. Helping others takes your focus off your problems and your personal miseries. Sharing and giving are 2 powerful tools for overcoming the Christmas blahs.

Volunteer to babysit for a busy, overworked mother. Visit someone who is lonely at this time of year. Consider providing Christmas gifts for a needy family. There really is no shortage of ways you can focus on others this Christmas.

xmasblues2Remember How Much God Loves You

The real meaning of Christmas is that God Himself became a flesh-and-blood human being in the person of Jesus Christ. Jesus lived a sinless life even while enduring the same pressures and temptations we face. According to God’s plan, Jesus died on a Roman cross, and in doing so, took our sins upon Himself, so that we could be forgiven of all our shortcomings and failures. God did all this through Jesus because He loves you deeply. He wants you to commit yourself to living for Him. Have you done that?

Here’s what I’m trying to say to you. In addition to family celebrations and parties, don’t forget to celebrate Jesus. Without Jesus your life is nothing. With Him your life is everything. And that’s hopeful!



Let’s Have a Speech Clinic

Are you familiar with speech-action theory? This idea says that the words we speak not only share information, but our words also have the power to help others carry out actions.

Yes, our spoken words do have the power to hurt or help, to inform or to insult, to lift up, or to tear down. The point is, our spoken words carry power. So how can we use our spoken words well and wisely?


Did you now the Book of Proverbs in the Bible has more verses about our spoken words than any other book in the Scripture? In one sense we could say the Book of Proverbs serves as a “speech clinic” on what God has to say to us about our tongues and our spoken words.

By the way, the typical man speaks 20,000 words per day. And the typical woman speaks  . . . well, moving right along. We are a nation of talkers. Talk shows on TV and radio are among the highest rated shows. Millions of cell phone users talk, text, and email. Some of these cell phones even ring during church worship services. We are talkers. Here’s our speech clinic from Proverbs chapter 15.

Avoid Hot –Headed Replies

“A gentle answer turns away wrath, but a harsh word stirs up anger” (v.1). A similar statement is made in v.18: “A hot-tempered person stirs up dissension, but a patient one calms a quarrel.”

When was the most recent time you found yourself in an anger-producing situation? When your order got fouled up at a restaurant? An angry parent who thought you had not treated his or her child nicely? A griping customer you had to wait on? An argument with a neighbor?

What kinds of responses did you make during these conversations? Did angry, heated, and enraged words fall from your lips?

The 2 Bible verses shown above remind us that when we find ourselves in an anger-producing situation, we are better off speaking calmly, gently, and softly. Why?

Harsh, hot-headed responses intensify anger, but soft responses reduce the tension and make way for reasonable conversation.

Think Before You Speak

“The tongue of the wise commends knowledge, but the mouth of the fool gushes folly” (v.2).

The truly wise person, says this proverb, thinks through what he or she is about to say, and when this person does speak, his or her words bring forth knowledge and wisdom.

Verse 28 also gives us some wisdom: “The heart of the righteous weighs its answer.” In other words, this person thinks before speaking. In plain words, get your mind in gear before you engage your tongue because you will have to live with the consequences of what you say.

And there are times when you are better off not to speak at all. One, if your words will hurt you, and two, if your words will hurt others. Think before you speak. This is wisdom from God.

Speak the Truth

“The tongue that brings healing is a tree of life, but a deceitful tongue crushes the spirit” (v.4). Proverbs 26:28 adds, “A lying tongue hates those it hurts.”

The phrase “tree of life” is a reference to refreshment, like rain on parched ground. Truthful words have a refreshing effect on people. On the other hand, untruthful, deceitful, lying words crush people’s spirits.

How honest are your words? Do you have a problem with telling the truth? Lying, deceitful words have this awful way of eventually catching up with you.

Give Attention to the Timing of Your Words

“A person finds joy in giving an apt (or timely) reply. And how good is a timely word” (v.23).

A mark of real wisdom is the ability to say the right thing at the right time. This might be a daily prayer for you: “Lord give me the sensitivity to say the right thing at the right time.”

Who is a person you know who just seems to know the right thing to say at the right time? He or she was not born that way. Rather that person developed that quality through practice, through restraining the tongue when it wasn’t easy, through thinking before talking.

Speak More Positive, Joyful, Encouraging Words

“A cheerful look brings joy to the heart, and good news gives health to the bones” (v.30).

When you speak good news and positive, uplifting words to people, your words become a tonic for the body and soul. Haven’t you known people who, when they spoke to you, it was like they dumped a truckload of doom and gloom on you?

Make a commitment to yourself that your spoken words will not be put-downs or gloom-and-doom, but that you will speak more positive, joyful, and encouraging words.


We have in our day clinics for just about everything—drug and alcohol clinics, sports clinics, cancer clinics, eating clinics and more. Proverbs 15 serves as God’s speech clinic. And this wisdom from the Lord is hopeful.

A Truth That Can Keep You Going, Every Time

“He who started a good work in you will carry it on to completion” (Philippians 1:6).

How many items have you left unfinished? A book? A house repair project? A diet? A good intention? An exercise regimen? A New Year resolution? I’m not jumping on you. I have my share of loose end, too. I could list many “could-have-beens” and “should-have-beens” from my own life.

Folks like us don’t always finish what we start. God, on the other hand, always finishes what He starts. Can you imagine what this world would be like if He didn’t? One pastor has said,

  • The world would only be partially created.
  • The death of Jesus would be partially finished.
  • The Holy Scriptures would be partially written.
  • The resurrection of our Lord would be partially fulfilled.
  • The Holy Spirit would be partially given.
  • The reality of Christ’s return would be partially true.

The world would be an awful place to live in if God didn’t finish what He started.  Our faith would be built on nothing, and our hope insecure.  That is why I hold tightly to the promise given us in Philippians 1:6. God finishes what He starts, and that includes us.






Have you ever seen these initials? P.B.P.G.I.N.F.W.M.Y. They stand for, “Please Be Patient God Is Not Finished With Me Yet.” The moment you placed your faith and trust in God, He started a work in you that will not end until Jesus returns one day. Do you understand how encouraging this truth is?

God is working in your life to conform you to the image of Jesus. God’s goal for you is to be more and more like Jesus each day. I know what you are thinking. I have moments in my life when I am anything but “like Jesus.”  But my bad behavior does not negate God’s work in me. He will finish conforming me, and you, into the likeness of Jesus.

Have you ever experienced a failure and thought to yourself, Will I ever be the person God wants me to be? Yes, you will if you continue to love Him, trust Him, and submit your life to Him. Remember, God finishes what He starts.

Have you dealt with a problem, a big mess, and wondered, Does God know what I am facing? And is He even doing anything about this problem? Most certainly, because He has this amazing way of taking our problems, using them to build our character, and make us stronger. Yes, God finishes what He starts, even in our messes.

Have you ever asked, “Is there a plan, a purpose, for my life?” Yes, and God is working out those  purposes and plans. In God’s mind is a completed version of you, and a completed plan just for you. And God is bringing that plan to completion. Trust Him on this one.

This great work God is doing in your life takes time, it requires God’s special tools, sometimes it takes problems and difficulties, but most of all it takes you placing yourself in His hands.








When I served as pastor of an Alabama church years ago, 5-year-old Stephanie sang this song in church one day:

“He’s still working on me.

To make me what I oughta be.

It took Him just a week to make the moon and the stars, the sun and the earth, and Jupiter and Mars.

How loving and patient He must be.

He’s still working on me.” (Sung by the Hemphills)

This really is a truth that can keep you going no matter what life throws at you. And that is hopeful!




2 Words That Bring Hope, Every Time

“Life is hard,” reads the opening line of Scott Peck’s book, The Road Less Traveled. We could also add, “And the world isn’t fair.” We learn these 2 lessons at some point. Yet, we can still live abundantly even in the face of hard times. How? 2 simple words. “Choose Joy”


The New Testament apostle and missionary, Paul, wrote, “Always be full of joy in the Lord. I say it again—rejoice!” (Philippians 4:4). 1 Thessalonians 5:16 adds, “Always be joyful.” The 2 words? Choose joy. That’s the instruction of these lifechanging Bible verses.

What Is Joy?

The word joy can be found in the Scriptures 242 times; and when you add the related words rejoice, joyful, and rejoicing, the number swells to 550 instances of joy in the Bible. That’s a lot of joy!

This great Bible word is not an emotional feeling. Nor is joy something you create or work up. Joy does not mean that you were lucky. And joy is more than happiness. The word describes the inner delight that comes to us when we trust God. Joy is the inner experience of hope, delight, gladness, blessedness, and peace that is real in spite of what might be going on around you. Yes, you can experience God’s joy no matter how dreadful your circumstances.

Many people think that God is the great Kill-Joy. Nothing could be a bigger lie. God Himself knows joy, and He wants His people to know joy. Psalm 104:31 speaks of God Himself rejoicing in His creative works. Isaiah 65:18 speaks of God rejoicing over His redeemed people who will be to Him “a joy.

The Bible teaches us to “choose” this joy. It is available to anyone who will believe God’s promises and trust Him. Even more, when you fully believe and trust God, joy finds you. Joy is the result of seeking, knowing, and trusting God.

Two individuals can experience the same event, but one may choose to live it quite differently than the other. One may choose to trust God and to believe that what happened, painful as it may be, holds a promise. The other may choose despair and be destroyed by it. The first person’s response is the response of choosing joy.

How Do You Choose Joy?

Joy won’t simply happen to you. Instead, you have to choose joy, and choose joy each day. Here’s how.

  • Give your life to Jesus. The Bible teaches that joy is a gift to those who belong to Jesus. These things I have spoken to you, that My joy may remain in you, and that your joy may be full” (John 15:11).
  • Live according to the teaching of the Bible. “The commandments of the Lord are right, bringing joy to the heart” (Psalm 19:8).
  • Trust God, not only with your life, but also with your problems, needs, and daily activities. “May the God of hope fill you with all joy and peace was you trust in him” (Romans 15:13).
  • Surrender your personal agenda to God’s agenda for you. “Delight yourself in the Lord and he will give you the desires of your heart” (Psalm 37:4).
  • Be generous. “Out of the most severe trial, their overflowing joy and their extreme poverty welled up in rich generosity” (2 Corinthians 8:2).


John Piper has said, “Sometimes we have to fight for joy.” When life hands us a setback, problem, difficulty or trial we can choose to be miserable, consumed by worry and despair. Or we can choose joy. The choice to rejoice always brings hope.

12 Ways to Help Almost Anyone with Almost Any Kind of Problem

Here’s a simple 2-question test. One, do you know anyone who has a problem? Two, would you like to help, but you aren’t sure how to get started? If you answered “yes” to either question, this practical article is for you. What follows are 12 ways to help almost anyone with almost any kind of problem.







Listen, Listen, Listen

The ultimate caregiving skill is focused listening. Most people who have a problem need someone to talk to. James 1:19 in the Bible says, “Be quick to listen, slow to speak.” That’s great advice for helping others.

Guard the Confidence People Place in You

People you help often tell you things that are extremely personal or confidential. Resist the temptation to blab to others what you have been told. The confidence people place in you is a sacred trust.

Give Advice Cautiously

Here’s why. You could become responsible for the advice given. Your better approach is to assist your friend in finding options for solving his or her problem, then allowing that person to make his or her own decisions.

Don’t Condemn People

Back off from saying, “I can’t believe you did something that stupid!” or “What were you thinking?” Hurting people feel badly enough. So, don’t add to a friend’s heavy load through critical judgment.

Be Alert to Warning Signals

“Warning signals” are signs of behavior that just are not typical in the person you are seeking to help. For example, your friend has always been jovial, positive, and upbeat. But lately you have noticed indications that your friend is greatly discouraged. That’s a warning signal that something is going on.

Be Careful Where You Help People

Be alert not to advise/assist people of the opposite sex alone, or in a questionable environment. Enough said.

Point People to Hope

I find that people who are overwhelmed by their problems tend to feel hopeless. They really think they have no way out. Not true! When Jesus is in your life you never are without hope. He can break down barriers, solve problems, and provide solutions—every time.








Don’t Try to Defend God

Hurting people often question God, like, “Why has God allowed this to happen to me?” “Doesn’t God know we already have enough problems?” You might feel threatened by heavy theological questions. So, simply remind folks of God’s love and care, but don’t attempt to defend Him. He is capable of defending Himself.

Avoid Saying, “I Know How You Feel”

No you don’t! Better to say, “I know you are hurting” or “I am so sorry.”

Pray for the Person You Are Helping

God works in amazing ways in response to our prayers. Depend on Him to guide, strengthen, uplift, help, and motivate the person you are helping.

Refer When Necessary

You might find yourself in a situation that is over your head. It’s time to refer your friend to someone who has more knowledge about the problem than you.

Help Yourself Stay Strong

If you constantly find yourself helping others, but you do nothing to refuel and replenish yourself, you will burn out. Read your Bible for personal guidance and strength. Accept your limitations. Find a trusted friend you can talk with. Do something positive and uplifting for yourself.

Practice these 12 principles and you will be able to offer hope to almost anyone with almost any kind of problem.

South Carolina, Hope, and You

While watching the recent summer Olympic events on TV, I listened to an announcer introduce an athlete from South Carolina. The announcer went on to describe the state’s motto: “Dum Spiro Spero,” which is Latin for “While I Breathe, I Hope.”

That same statement could be the personal motto for every follower of Jesus: “While I breathe, I hope,” meaning there is never a time when a Christ-follower is without hope.

Yes, I understand that we live in difficult times. People lose their jobs. The stock market falls. Cancer takes lives. We still hear reports of natural catastrophes. Friends betray us. Couples divorce. Children disobey their parents, and sometimes, in awful ways. No wonder some people think they are without hope.








Let me show you where real and never-ending hope can be found: Through personal faith in Jesus Christ, and through trust in God’s Word, the Bible. Don’t turn me off. Stay with me, please.

I teach a small-group Bible study on Sunday mornings at my local church. Last Sunday we studied some words of one of Jesus’ deeply committed followers, Simon Peter. In his letter found in the Bible, 1 Peter, we find these words. In Jesus, we have “a living hope” (1 Peter 1:3).

Jesus died on a Roman cross, and in doing so, took the punishment for our sins upon Himself, providing the way we can be forgiven of all our sins—through personal trust in what He did on that cross. He did that because He loves us so much.

Here’s even more good news. Jesus did not stay dead. After His crucifixion (death on the cross), God raised Him from the dead. Jesus is alive today. So, when we place our faith in Jesus we are given a LIVING HOPE. Our faith is not in some dead religious figure from the past. Rather our faith is in the living Lord Jesus.







Now, understand something important. In the Bible, the word hope does not mean a kind of wishy-washy positive thinking. No, the Bible word hope means “confident assurance.” And what is it that we are confident and sure about? That God will keep every promise He has made in the pages of Holy Scripture!

This truth is explained in the Bible verse, Romans 15:4: “For whatever was written in former days was written for our instruction, that through endurance and through the encouragement of the Scriptures we might have hope.”

Did you know that your growing knowledge of the Scriptures affects your attitude toward your problems in the present and in the future? We never know what a day might bring, right? Trust in God’s promises helps you persevere through tough times. And when you know God’s promises, then no matter what life throws at you, you can face all those tough times with hope. God’s promises tell you that God cares about you, and that He will take care of you.

So, do you see, now, what I mean when I say that while you breathe, you can have never-ending hope? Remember, a constant stream of hope is always found in the living Word, Jesus, and the written Word, the Bible. People who push Jesus to the fringes of their life, and never open a Bible, don’t have much hope. That’s not harsh. It’s just the truth.


Find Hope in the Scriptures Through Your Personal Study of Psalm 34.


Gary’s newest book. “Every Day Can Be a Great Day: Convincing Promises from Psalm 34.”

Order you copy by going to the link at the top of this post (or located in the “menu” on your smart phone), and click on “Gary’s Books.”