STRAPPED – How Do I Budget?

January 12, 2015
12 Jan 2015


Budget.  The word alone sends chills to many people.  Here are some things that people equate with budgets.

Budget = Restricting

Budget = I Am Broke

Budget = Controlling

Budget = No Fun

Budget = Constricting

Budget = Not going to do it!

Most people have tried budgets … and failed!  It was a bad experience, and many will say that they aren’t EVER going to budget again.

I want to make a deal with you.  How about reading this series of posts for the next week?  How about trying for just one month this method that I will teach you?  How about giving one shot?  Just one.  My hope is that you will try a budget for the month of February.

In this series of posts, I am going to share with you the exact process that Jenn and I took to prepare a budget that works.  Guess what?  THE VERY DAY that we started budgeting was THE VERY DAY that we started WINNING WITH MONEY!

Some might say “I hate budgets” and “I don’t need no stinkin’ budget”, but I would ask them the following questions:

  • How are you paying for Christmas this year?  I am paying cash.
  • How much is your car payment?  I paid cash for my car.
  • How much did you invest this month?  I have invested for retirement for over 130 months in a row and my daughter’s college for over 60 months in a row.
  • How much money do you owe to your credit cards right now?  I owe $0.
  • When is the last time you had a great discussion on finances with your spouse?  Not a fight.  A great discussion.  Jenn and I develop a spending plan TOGETHER every single month.
  • If your car broke down tomorrow, do you have money in the bank to pay for it?  Car repairs are not financial emergencies.  I am not surprised when my car breaks down.  Why?  There is a car repair joint on every corner of every street of every town and city in the country!  It is normal for cars to break down!

At the end of this series, some might call me crazy.  Some might call me insane.  Some might call me a wacko.  I would say to them – call me whatever you want, just don’t call me broke anymore!

You see …  I Was Broke …  Now, I’m Not!

Here are two spreadsheets to help you budget:

Budget Spreadsheet – Monthly Basis (Helps give the full month’s view of the money)

Budget Spreadsheet –  Weekly Basis (Budgeting based on each pay check in a month)

This entry was originally posted on  It is the first in a series of posts called How Do I Budget?  Read the whole series here:  Joe Sangl’s Blog Series on Budgeting – “How Do I Budget?”  Joe Sangl will be coming to CityView Church on January 18th to speak and teach people how to WIN with their money.  YOU CAN REGISTER HERE.


Joy, where did that come from?

December 29, 2014
29 Dec 2014

10399190_1205295135792_6731144_nThis is a post by Glenn Welch.  Glenn is a member of our leadership team and is on the finance team.  He married way above himself with Cathe and Glenn and Cathe have 3 children: Russell Meacham, Reese Meacham, and Madison Welch.  You can usually see Glenn helping with children’s check-in, setting something up on Sundays, or in line at Killen’s BBQ. 

The idea of joy has been on my mind as of late, most likely due to the daily bible-reading plan for the Christmas season, “Good news of great joy” by John Piper.  Also I have been listening to the radio during the morning commute and they too have a joy centric theme that they are promoting this month.

For a large part of my youth and young adult life I viewed joy as an emotional response to something good, delightful, or some fortunate event that worked out well.  Things that fall into this characterized response are; work related accolades, realizing that you already paid a bill and that money you had set aside is now extra, or when the kids come home and have knocked a final test out of the park in a subject they typically struggle with.  I think this is the typical response to a question about joy and what it evokes in us.  However that is only one side of the idea of joy, and maybe this less impacting.

At this point in my life I have lost both my parents.  They passed 7 years apart and in vastly different ways.  My Mother’s death was sudden from a heart attack in the middle of the night.  I saw her Friday night and on Sunday she was gone and I miss her still like it happened yesterday.  She was truly a great lady, mom to me and my sister, friend, and wife to my dad.  It was her time and she was not going to have to suffer any longer from the debilitation of a stroke she had a few years earlier. She was truly an awesome lady.

My Father lived seven more years and his passing was a much slower drawn out affair.  During those seven years after my mother’s death his body gradually gave out.  Each year marked a new physical and mental issue that he had to deal with.  Each passing year his world, as he knew it, became smaller and smaller.  The care he received was excellent during his last four years, but as his son watching what he went through I know it was not easy for him.  He was admitted to the hospital due to an emergency room visit when his pacemaker battery stopped working.  They quickly proceeded to admit him for surgery and replaced the battery without incident.  He had just turned 85 and at that age there are no routine operations.  The anesthesia coupled with is dementia is enough to deal with.  I took a couple days longer than normal to recover but he did recover enough from his surgery where we felt like he would be back to normal in a few days and he was able to return to his assisted living facility.  This was just another trip to the hospital, which we had been many, many times.  He would need to go back to the assisted living facility and spend the next several days to a week taking it easy to recover.  I was thankful that he didn’t have to go a rehabilitation facility for 2-3 weeks first as we had to after most of his hospital visits.  I transported him back to his home where he was able to have a bedside dinner with a lady that he spent most of his days and had grown quite close with. After that dinner that night he went to bed.  I went home after getting him settled in and the next day he never woke up mentally.  His dementia had taken over like never seen before and he was basically living but incoherent.  I had him transported back to the hospital when after several days, tests, evaluations by specialists, I was told there was nothing else that they could do.  His body was slowly shutting down.  We returned a day later with hospice to his home.  The hospice nurse gave him seven days and he passed seven days later, Christmas Day 2013.  Be thankful that there are women and men that commit themselves to the duties of being a hospice caregiver.  These people are truly called to this and are some of the most compassionate people I have met.

Interestingly enough in both of these occasions there was a peace in my heart.  More surprising to me was the joy in my mind and heart as well.  Both times this feeling of Joy was at first a little unsettling.  A feeling of release in the midst of this solemn day “is this supposed to be like this or is something wrong with me?”  Each time my initial response to this joy was to suppress it.  My first thought was, “Why do I feel so at easy?”  Even more, why am I not distraught with emotion?  I was very mournful about the loss of each, but there was no uncontrollable, insatiable outcry of emotion. The reason I believe is because peace and joy were occupying the place where the hurt, anger, and bitterness could have been.

This peace was rooted in the truth that they had gone to be with their Savior, and their physical and mental suffering was no more.  The joy was there because I wasn’t hoping they were with Jesus, it was because I knew and fully trusted that they were in His fellowship.  Joy in death is not something that a lot of people talk about.  When was the last time you heard a preacher do a series from the pulpit on the seven joys of death, never.  It’s not something we spend a lot of time talking about.  However I am hear to say that the Joy I have for my assurance in their salvation and where they are today continues to comfort me and be with me everyday.  The Holy Spirit is there that day and each day that follows and He supplies that peace and joy.  It is okay for me to be at peace and joyful when my parents passed because of the truth of the Gospel and the assurance it provided them and me.

I miss them dearly as they were the best parents someone could have hoped for.  I so wish that they were still here to talk with and have them be a part of the lives of my family, but I know that is only selfish.  God had a plan for them and they are right where He wants them.  I so look forward to the day that I see them again, and I count myself blessed to have been a part of their plan.


December 23, 2014
23 Dec 2014



Do you know what the #1 New Year’s resolution is?  It almost always revolves around money.  Maybe you want to fund a dream, eliminate a debt, save more, or give more.  No matter what it is, we all want to WIN more with the money we have.  Strapped is a series about helping to transform your 2015 finances.  You CAN win with your finances, let CityView help!

STRAPPED starts on Sunday, January 11th at 10am.

Financial Learning Experience

As a part of this series we are excited to be welcoming Joe Sangl, author of I Was Broke, Now I’m Not and financial expert, on January 18th at our 10am service.  After the service he’ll be teaching a FREE 2 hour Financial Learning Experience that will help you WIN with your money.  You can register here.

Why Peace?

December 10, 2014
10 Dec 2014


17For the kingdom of God is not a matter of eating and drinking but of righteousness and peace and joy in the Holy Spirit.
(Romans 14.17)

1In those days a decree went out from Caesar Augustus that all the world should be registered. 2This was the first registration when Quirinius was governor of Syria. 3And all went to be registered, each to his own town. 4And Joseph also went up from Galilee, from the town of Nazareth, to Judea, to the city of David, which is called Bethlehem, because he was of the house and lineage of David, 5to be registered with Mary, his betrothed, who was with child.

(Luke 2.1-5)

Can you imagine a world where everything is good? Where shalom is the norm? Where every person, every endeavor, every thought is good? This was the world God created. This was a place of peace, of flourishing, for all people and all things, to the glory of God and the good of others.

It didn’t take long for peace to move to hostility. It didn’t take long for mutual benefit to move to selfish ambition. Today, we live in a world where peace is often times hard to come by. But a world of hostility, hatred and selfish ambition is not the life God intends for us. God desires a kingdom of peace, of righteousness, of joy for all in the Holy Spirit (Romans 14:17). God has created us to live in peace and to reflect the God of peace (1 Corinthians 14:33) that we serve with our lives.

When we live in peace, God is glorified because He is the God of peace. We reflect Him through peace, but we also receive lives of good, of flourishing. This is why peace matters!

“Grace to you and peace from God our Father and the Lord Jesus Christ.” For His glory and our good!

Families With Young Children

Read Psalm 46:10. KIDS, God knew we could not have perfect peace without Him. He desires for us to know the kind of peace that can only come from Him. He desires us to have that peace because He loves us. When we know Jesus, our hope in God is real and we can trust Him at all times. It is a gift to have peace in our hearts.

How would you describe peace? Why does God want us to have peace in our lives?  Why does God want us to live at peace with others? How can you show peace at home, at school, on the playground, during games or while playing with friends?

Read Luke 2:1-5. KIDS, Have you ever taken a long trip? How did you travel – by car, train, bus, or plane? How would you feel if you had to ride a donkey for that long journey? Well, that is exactly how Mary and Joseph had to travel in the days leading up to the birth of baby Jesus. Where did Mary and Joseph go? (Bethlehem) 

As you pray, thank God for bringing Mary and Joseph safely to Bethlehem and thank Him for all the times He has taken you and your family safely from one place to another. Thank Him for His gift of peace, thank Him for wanting us to have peace, thank Him for giving you a peaceful day and ask Him to give you peace as you sleep. Ask Him to continue showing you how to be peaceful with others.


December 9, 2014
09 Dec 2014


But he gives more grace. Therefore it says, “God opposes the proud, but gives grace to the humble.”
James 4.6

Likewise, you who are younger, be subject to the elders. Clothe yourselves, all of you, with humility toward one another, for “God opposes the proud but gives grace to the humble.” Humble yourselves, therefore, under the mighty hand of God so that at the proper time he may exalt you, casting all your anxieties on him, because he cares for you.
1 Peter 5.5-7


Jesus is the King of Kings, yet He arrived as a humble servant. Humility is not thinking you are less, it is never forgetting the fact that it is Jesus who made you more. So, how do you become like Jesus? How do you develop a spirit of humility?

Humility is the byproduct of being with Jesus. Anyone who walks intimately with Him will not think more highly of himself than he should. To be loved by Jesus and invited into a relationship with Him, is all we need to right-size ourselves and to assume His gentleness and grace.

To be humble doesn’t mean you have to be weak. God has given you all you need to live confidently as His. The proud will never truly lift up God’s name in praise. Yet He raises the humble to new heights.


A Private Litany of Humility

From the desire of being praised, deliver me, Jesus.
From the desire of being honored, deliver me, Jesus.

From the desire of being preferred, deliver me, Jesus.
From the desire of being consulted, deliver me, Jesus.
From the desire of being approved, deliver me, Jesus.

From the desire of comfort and ease, deliver me, Jesus.
From the fear of being humiliated, deliver me, Jesus.
From the fear of being criticized, deliver me, Jesus.
From the fear of being passed over, deliver me, Jesus.
From the fear of being forgotten, deliver me, Jesus.
From the fear of being lonely, deliver me, Jesus.

From the fear of being hurt, deliver me, Jesus.
From the fear of suffering, deliver me, Jesus.

That others may be loved more than I,
Jesus, grant me the grace to desire it.
That others may be chosen and I set aside,
Jesus, grant me the grace to desire it.
That others may be praised and I unnoticed,
Jesus, grant me the grace to desire it.

O Jesus, meek and humble of heart, make my heart like yours.
O Jesus, meek and humble of heart, strengthen me with your Spirit.
O Jesus, meek and humble of heart, teach me your ways.

O Jesus, meek and humble of heart,
help me put my self-importance aside
to learn the kind of cooperation with others
that makes possible the presence of your Abba’s household. Amen.


Adapted from a prayer by Rafael,
Cardinal Merry Del Val, 1865–1930

%d bloggers like this: