What Keeps You Up At Night?: Money Problems

Marriage Stressors

  1. Finances
a. People see money differently.

Proverbs 21:20 “The wise have wealth and luxury,     but fools spend whatever they get.”

b. Your finances determine your future.

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

Decide what you want to do with your money.

Proverbs 4:26 “ Mark out a straight path for your feet;     stay on the safe path.”

Sow some
Save some
Spend some
Share some

  1. Fallacies

a. You married the
perfect mate.

Ecclesiastes 7:20 “Not a single person on earth is always good and never sins.”

Romans 3:23 “For everyone has sinned; we all fall short of God’s glorious standard.”

b. Marriage will solve all of your

Ephesians 5:31 “As the Scriptures say, “A man leaves his father and mother and is joined to his wife, and the two are united into one.””

c. You will no longer struggle in the area of

1 Corinthians 7:1-5 “Now regarding the questions you asked in your letter. Yes, it is good to abstain from sexual relations.[
a] But because there is so much sexual immorality, each man should have his own wife, and each woman should have her own husband.
The husband should fulfill his wife’s sexual needs, and the wife should fulfill her husband’s needs. The wife gives authority over her body to her husband, and the husband gives authority over his body to his life. Do not deprive each other of sexual relations, unless you both agree to refrain from sexual intimacy for a limited time so you can give yourselves more completely to prayer. Afterward, you should come together again so that Satan won’t be able to tempt you because of your lack of self-control.”

  1. Families

a. Marriage
adds stress to families.

1 Corinthians 7:28b “However, those who get married at this time will have troubles, and I am trying to spare you those problems.”

1 Corinthians 7: 32-35 "
32 I want you to be free from the concerns of this life. An unmarried man can spend his time doing the Lord’s work and thinking how to please him. 33 But a married man has to think about his earthly responsibilities and how to please his wife. 34 His interests are divided. In the same way, a woman who is no longer married or has never been married can be devoted to the Lord and holy in body and in spirit. But a married woman has to think about her earthly responsibilities and how to please her husband. 35 I am saying this for your benefit, not to place restrictions on you. I want you to do whatever will help you serve the Lord best, with as few distractions as possible.”

b. Marriage will require families to make major

Matthew 19:5 “And he said, “‘This explains why a man leaves his father and mother and is joined to his wife, and the two are united into one.’

c. Harmonious families are not automatic.

Proverbs 14:1 “A wise woman builds her home,     but a foolish woman tears it down with her own hands.”

Ephesians 5:33 “So again I say, each man must love his wife as he loves himself, and the wife must respect her husband.”


  1. Successful marriage will require work.
  2. Successful marriage is totally worth the effort.

What Keeps You Up At Night?: Money Problems

What Keeps You Up At Night
Part 3
Money problems

Psalm 56:8 “You have seen me tossing and turning through the night. You have collected all my tears and preserved them in your bottle! You have recorded every one in your book.

Lets start with 3 reasons we have problems with money…
1. We LOVE Stuff

Proverbs 27:20 (NCV) “People will NEVER STOP DYING and being destroyed, and they will NEVER STOP WANTING MORE THAN WHAT THEY HAVE.”

Ecclesiastes 5:10 NLT “Those who love money will NEVER HAS ENOUGH. How MEANINGLESS to think that wealth brings true happiness!”

2. We LACK Discipline

Proverbs 13:18 “whoever DISREGARDS DISCIPLINE comes to POVERTY and shame.”

3. We LIVE for the Now

Haggai 1:5-6 “Now this is what the Lord Almighty says: “Give careful thought to your ways. 6 You have planted much, but have harvested little. You eat, but never have enough. You drink, but never have your fill. You put on clothes, but are not warm. You earn wages, only to put them in a purse with holes in it.”

1. Change your OUTLOOK.

3 wrong outlooks on money…

A. Money will make me HAPPY.

Haggai 1:6 " You eat but you never have enough, you drink but you never have your fill."

B. Money will make me IMPORTANT.

Haggai 1:6 "you have planted much, but harvested little."

Proverbs 13:7 "some people pretend to be rich but really have nothing."

C. Money will make me more SECURE.

Haggai 1:6 "You put on clothes but you are not warm."

Proverbs 3:9
"Honor the Lord with your wealth."

2. Change your OUTGO.

Haggai 1:6 "You earn wages only to put them in pockets with holes in them"

Check this out… When we make money we should…

A. SOW it first:

Haggai 1:9-11 " You expected much, but see, it turned out to be little. What you brought home, I blew away. Why?” declares the Lord Almighty. “Because of my house, which remains a ruin, while each of you is busy with his own house. 10 Therefore, because of you the heavens have withheld their dew and the earth its crops. 11 I called for a drought on the fields and the mountains, on the grain, the new wine, the oil and whatever the ground produces, on men and cattle, and on the labor of your hands. ”

B. SAVE it second:

Proverbs 6:6 “Go to the ant, you sluggard; consider its ways and be wise! 7 It has no commander, no overseer or ruler, 8  yet it STORES IT’S PROVISIONS IN SUMMER and gathers its food at harvest.”

C. SPEND it last.

3. Change your OUTCOME.

Haggai 1:12-13 “Then… the high priest, and the whole remnant of the people obeyed the voice of the Lord their God and the message of the prophet Haggai, because the Lord their God had sent him. And the people feared the Lord. 13 Then Haggai, the Lord’s messenger, gave this message of the Lord to the people: “I am with you,” declares the Lord.”

What Keeps You Up At Night?: Hurts and Fears

What Keeps You Up At Night?
Part 2
Hurts and Fears

Psalm 56:8 “You have seen me tossing and turning through the night. You have collected all my tears and preserved them in your bottle! You have recorded every one in your book.

  1. Lose your HEAD.

I Samuel 21:12 “David took these words to heart and was very much afraid of Achish king of Gath. 13 So he pretended to be insane in their presence; and while he was in their hands he acted like a madman, making marks on the doors of the gate and letting saliva run down his beard. 14 Achish said to his servants, “Look at the man! He is insane! Why bring him to me?

2. Lose your HEART.

Proverbs 13:12 “Hope deferred makes the heart sick…”

3. Lose your HOPE.

I Kings 19:3-5 “Elijah was afraid and fled for his life. He went to Beersheba, a town in Judah, and he left his servant there. 4 Then he went on alone into the wilderness, traveling all day. He sat down under a solitary broom tree and
prayed that he might die. “I have had enough, Lord,” he said. “Take my life, for I am no better than my ancestors who have already died.”

Psalm 56:3 “ But when I am afraid, I will put my confidence in you. Yes, I will trust the promises of God.”

3 ways God brings strength and comfort.

1.Through HIS PEOPLE.

I Samuel 22:1
“So David left Gath and escaped to the cave of Adullam, where his brothers and other relatives soon joined him. 2 Then others began coming—those who were in any kind of trouble, such as being in debt, or merely discontented—until David was the leader of about four hundred men.


Philippians 4:19 “My God will supply all your needs according to his glorious riches in Christ Jesus”

Exodus 15:26 “I am the God who heals you”

Isaiah 26:2 “You will keep in perfect peace all who trust in you, all whose thoughts are fixed on you!

I Peter “Cast all your anxieties on Him for He cares for you”

Philippians 4:6 “ Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God. 7 And the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus.


Psalm 56:9
“The very day I call for help, the tide of battle turns. My enemies flee! This one thing I know: God is for me! 10-11 I am trusting God.”

What Keeps You Up At Night?: Kids

What Keeps You Up At Night?
Part 1 - Kids

Psalm 56:8 (TLB)
“You have seen me tossing and turning through the night. You have collected all my tears and preserved them in your bottle! You have recorded every one in your book.”

1) Remember that our kids belong to God.

Psalm 127:3 (TLB)
“Children are a gift from God; they are his reward.”

1 Samuel 1:11 (TLB) “O Lord of heaven, if you will loo down upon my sorrow and answer my prayer and give me a son, then I will give him back to you, and he’ll be yours for his entire lifetime. . .”

1 Samuel 1:27-28 (CSB) “I prayed for this boy, and since the Lord gave me what I asked him for, I now give the boy to the Lord. For as long as he lives, he is given to the Lord.”

2) Remember to pray.

Philippians 4:6-7(CSB)
“Don’t worry about ANYTHING, but in EVERYTHING, through prayer and petition with thanksgiving, present your requests to God. And the peace of God, which surpasses all understanding, will guard your hearts and minds in Christ Jesus.”

Romans 8:26-27 (TLB)
“And in the same way—by our faith—the Holy Spirit helps us with our daily problems and in our praying. For we don’t even know what we should pray nor how to pray as we should, but the Holy Spirit prays for us with such feeling that it cannot be expressed in words.”

3) Remember to let go.

A. Let go of control.

Romans 8:28 (TLB)
“We know that all things work together for the good of those who love God, who are called according to his purpose.”

B. Let go of your will.

Proverbs 19:21 (TLB)
“People can make many different plans. But only the Lord’s plan will happen.”

He Gets Us.

Hebrews 4:15 “ For we do not have a high priest who is unable to empathize with our weaknesses, but we have one who has been tempted in every way, just as we are—yet he did not sin.”

4 things…

  1. He experienced REJECTION so we could have ACCEPTANCE.

Isaiah 53: 1-3 CEV “Has anyone believed us or seen the mighty power of the Lord in action? 2  Like a young plant or a root that sprouts in dry ground, the servant grew up obeying the Lord. He wasn’t some handsome king. Nothing about the way he looked made him attractive to us. 3 He was hated and rejected; his life was filled with sorrow and terrible suffering. No one wanted to look at him. We despised him and said, “He is a nobody!”

Romans 3:23 “All have sinned and fall short of the glory of God.”

Romans 4:24-25 (NLT) “God will also count us as righteous if we believe in him, the one who raised Jesus our Lord from the dead. 25 He was handed over to die because of our sins, and he was raised to life to make us right with God.”

2. He experienced TEMPTATION so we could OVERCOME

Hebrews 4:15 “ For we do not have a high priest who is unable to empathize with our weaknesses, but we have one who has been tempted in every way, just as we are—yet he did not sin.”

Romans 7:18 “I want to do what is right, but I can’t. 19 I want to do what is good, but I don’t. I don’t want to do what is wrong, but I do it anyway. “

Verse 24 “Oh, what a miserable person I am! Who will free me from this life that is dominated by sin and death?

3. He experienced HURT so we could have HEALING.

Isaiah 53:4-5 “He suffered and endured great pain for us, but we thought his suffering was punishment from God. 5 He was wounded and crushed because of our sins; by taking our punishment, he made us completely well.”

I Peter 1:3 (MSG) “What a God we have! And how fortunate we are to have him, this Father of our Master Jesus! Because Jesus was raised from the dead, we’ve been given a brand-new life and have everything to live for, including a future in heaven—and the future starts now! God is keeping careful watch over us and the future. The Day is coming when you’ll have it all—life healed and whole.

4. He experienced DEATH so we could have LIFE.

Matthew 27:50-53 “Then Jesus shouted out again, and he released his spirit. 51 At that moment the curtain in the sanctuary of the Temple was torn in two, from top to bottom. The earth shook, rocks split apart, 52 and tombs opened. The bodies of many godly men and women who had died were raised from the dead. 53 They left the cemetery after Jesus’ resurrection, went into the holy city of Jerusalem, and appeared to many people.

Romans 8:11 “And if the Spirit of him who raised Jesus from the dead is living in you, he who raised Christ from the dead will also give life to your mortal bodies...

John 11:25 “I am the resurrection and the life…”


1. Come to Him, He won’t reject you

Isaiah 42:3 MSG “He won’t brush aside the bruised and the hurt     and he won’t disregard the small and insignificant”

2. Call to Him, He will help you

Psalm 120:1 NCV “ When I was in trouble, I called to the Lord, and he answered me.”

3. Trust Him He won’t hurt you

Jeremiah 29:11 “I know the plans I have for you, plans to prosper and not to HARM YOU”

4. Die with Him, He will give you new life

Matthew 16:24 “Whoever wants to be my disciple must deny themselves and take up their cross and follow me. 25 For whoever wants to save their life will lose it, but whoever loses their life for me will find it.”

Good Neighbor: Share with those in need

1.CARE for those who are hurting

2.DARE to love those who are different

3. PREPARE a place where everyone is welcome

4. SHARE with those in the need

Luke 10:35 “ The next day he took out two denarii and gave them to the innkeeper. ‘Look after him,’ he said, ‘and when I return, I will reimburse you for any extra expense you may have.”

In fact I just want to give you 3 ways we can SHARE with those in need.

1. Share your life

Colossians 4:5 CEV “When you are with unbelievers, always MAKE GOOD USE of the time. 6 Be pleasant and hold their interest when you speak the message. Choose your words carefully and be ready to give answers to anyone who asks questions.”

2. Share your church

Philemon 1:6 “I pray that you may be active in sharing your faith, SO THAT you will have a full understanding of every good thing we have in Christ.”

3. Share your story