Simply Financial-Breathing Room | South Jordan Campus
Breathing room is the space between our current PACE and our LIMITS.
Observation: Your STANDARD of living ≠ your QUALITY of life.
Easy: Raise your standard of living with DEBT.
Hard: Raise your quality of life through DISCIPLINE.
Question: Do you think God is more interested in your standard of living or your quality of life?
Mark 10:21-22 Jesus looked at him and loved him. “One thing you lack,” he said. “Go, sell everything you have and give to the poor, and you will have treasure in heaven. Then come, follow me.” 22 At this the man’s face fell. He went away sad, because he had great wealth.
Three Financial Reality Checks:
You live on a percentage of your income, but you may not have DECIDED what that percentage is.
Proverbs 27:23-24 Be sure you know the condition of your flocks, give careful attention to your herds;  for riches do not endure forever, and a crown is not secure for all generations.
You think if you made more money, you wouldn’t have ANYMORE worries.
Proverbs 30:8-9 Keep falsehood and lies far from me; give me neither poverty nor riches, but give me only my daily bread. 9 Otherwise, I may have too much and disown you and say, “Who is the LORD?” Or I may become poor and steal, and so dishonor the name of my God.
You adjust your lifestyle expectations to match your EARNINGS.
Ecclesiastes 5:10-11 Whoever loves money never has money enough; whoever loves wealth is never satisfied with his income. This too is meaningless.  As goods increase, so do those who consume them. And what benefit are they to the owner except to feast his eyes on them?
Uncommon Sense: I WANT is better than I OWE.
Luke 16:13“No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.”
Bottom Line: Some masters may FORGIVE our debt, but Jesus is the only master to PAY our debt.
1. In your own words, describe the difference between a “Standard of Living” and a “Quality of Life.” Which one of those would you say defines your life right now?
2. Most of us can relate to the belief that if only we had a little more income, things would be fine. Why do you think we’re all so prone to having that perspective, no matter our income levels?
3.. In what particular ways do you observe people being tempted to let money become their master, instead of God? How can that temptation be resisted?
4.What does “quality of life” look like for those who look fully to God, instead of money, as their master? What difference does this really make in life?
5.Why do you think Jesus said, “You cannot serve both God and money” instead of, “You cannot serve both God and the devil”? Does the devil represent less of a competitor for our hearts than money and possessions do?
6.For restoring financial breathing room, consider these practical steps: (1) make a commitment to achieve this breathing room; (2) set a goal for what percentage of your income you want left over after spending; (3) have an accurate, detailed grasp on every dollar you spend; (4) find ways to cut spending; (5) develop a debt-retirement plan. (For special help here, Andy recommends the book Financial Peace Revisited by Dave Ramsey.) What value do you see in each of these steps?