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CloseRyan Sim - July 20, 2016
Money: Basic Budgeting - Savings

How much do you have in emergency savings, or savings at all? How many months of your income could it replace?
Related Topics: Debt, God, Jesus, Money | More Messages from Ryan Sim | Download Audio
From Series: "Money: Basic Budgeting"
We'll be looking at one of the biggest stressors in commuting life, and one of the topics Jesus spoke about most: money. How we earn, spend, save and give this resource reveals something about our hearts, and so it's important to be intentional about this through budgeting and careful consideration.
More Messages From Ryan Sim...
About the Christianity 101 Course | July 1, 2012 | Watch | |||
About the Marriage Course | Ryan Sim | July 1, 2012 | Watch | Listen | |
About the Parenting Children Course | July 1, 2012 | Watch | Listen | ||
About the Parenting Teenagers Course | July 1, 2012 | Watch | Listen | ||
Day 1 - Introduction | August 1, 2012 | Watch | Listen | ||
Day 2 - The Big Story Act 1 | August 8, 2012 | Watch | Listen | ||
Day 3 - The Big Story Act 2 | September 1, 2012 | Watch | Listen | ||
Day 4 - The Big Story Act 3 | September 2, 2012 | Watch | Listen | ||
Day 5 - The Big Story Act 4 | September 3, 2012 | Watch | Listen | ||
Day 6 - The Big Story Acts 5 and 6 | September 4, 2012 | Watch | Listen | ||
Day 7 - Is there a God? | September 5, 2012 | Watch | Listen | ||
Day 8 - How Does God Reveal Truth? | September 6, 2012 | Watch | Listen | ||
Day 9 - Why The Bible? | September 7, 2012 | Watch | Listen | ||
Day 10 - Faith & Reason | Ryan Sim | September 8, 2012 | Watch | Listen | |
Day 11 - Who are we? | September 9, 2012 | Watch | Listen | ||
Day 12 - Free Will | Ryan Sim | September 10, 2012 | Robot | Watch | Listen |
Day 13 - A Life Centred on God | Ryan Sim | September 11, 2012 | Watch | Listen | |
Day 14 - Alienation from God | Ryan Sim | September 12, 2012 | Watch | Listen | |
Day 15 - The Problem with our World and with Us | Ryan Sim | September 13, 2012 | Sin? | Watch | Listen |
Day 16 - Replacing God | Ryan Sim | September 14, 2012 | Watch | Listen | |
Day 17 - The Consequences - 1 and 2 | Ryan Sim | September 15, 2012 | Watch | Listen | |
Day 18 - The Consequences - 3 and 4 | Ryan Sim | September 16, 2012 | Watch | Listen | |
Day 19 - The Problem of Evil | Ryan Sim | September 17, 2012 | Watch | Listen | |
Day 20 - What God Did About Evil | Ryan Sim | September 18, 2012 | Watch | Listen | |
Day 21 – Why Jesus | Ryan Sim | June 7, 2015 | Interviews | Watch | Listen |
Day 22 – Jesus Claimed to be God in Human Flesh | Ryan Sim | June 8, 2015 | Watch | Listen | |
Day 23 – Jesus Claimed to Forgive Sin | Ryan Sim | June 9, 2015 | Watch | Listen | |
Day 24 – Testing The Claims of Jesus | Ryan Sim | June 10, 2015 | Watch | Listen | |
Day 25 – Tested: Jesus Taught with Authority and Fit the Predictions | Ryan Sim | June 11, 2015 | Watch | Listen | |
Day 26 – Tested: Jesus Did the Impossible and Loved the Unloved | Ryan Sim | June 12, 2015 | Watch | Listen | |
Day 27 – Tested: Did Jesus Truly Rise From the Dead? | Ryan Sim | June 13, 2015 | Watch | Listen | |
Day 28 – Tested: Resurrection and the Empty Tomb | Ryan Sim | June 14, 2015 | Watch | Listen | |
Day 29 - Tested: Resurrection and Witnesses | Ryan Sim | June 15, 2015 | Watch | Listen | |
Day 30 – Tested: Resurrection and Changed Lives | Ryan Sim | June 16, 2015 | Watch | Listen | |
Day 31 – Jesus as Sacrifice | Ryan Sim | June 17, 2015 | Watch | Listen | |
Day 32 – Jesus Paying the Price | Ryan Sim | June 18, 2015 | Watch | Listen | |
Day 33 – Grace: The Greatest Gift | Ryan Sim | June 19, 2015 | Watch | Listen | |
Day 34 – Grace Illustrated | Ryan Sim | June 20, 2015 | Watch | Listen | |
Day 35 – Grace Changes Everything | Ryan Sim | June 21, 2015 | Watch | Listen | |
Day 36 - Jesus’ Story of Grace - The Prodigal Son | Ryan Sim | June 23, 2015 | Watch | Listen | |
Day 37 – Jesus’ Story of Grace - Explained | Ryan Sim | June 24, 2015 | Watch | Listen | |
Day 38 – Following Jesus Starts Where You Are | Ryan Sim | June 25, 2015 | Watch | Listen | |
Day 39 – Following Jesus Starts with Repentance | Ryan Sim | June 26, 2015 | Watch | Listen | |
Day 40 – Following Jesus Starts with an Invitation | Ryan Sim | June 27, 2015 | Watch | Listen | |
Day 41 - Following Jesus To What? | Ryan Sim | June 28, 2015 | Watch | Listen | |
Money: Basic Budgeting - Introduction | Ryan Sim | July 11, 2016 | Watch | Listen | |
Money: Basic Budgeting - Your Money Type | Ryan Sim | July 12, 2016 | Watch | Listen | |
Money: Basic Budgeting - Budget Basics | Ryan Sim | July 13, 2016 | Watch | Listen | |
Money: Basic Budgeting - Income Sources | Ryan Sim | July 14, 2016 | Watch | Listen | |
Money: Basic Budgeting - Expenses | Ryan Sim | July 18, 2016 | Watch | Listen | |
Money: Basic Budgeting - Priority Expenses | Ryan Sim | July 19, 2016 | Watch | Listen | |
Money: Basic Budgeting - Savings | Ryan Sim | July 20, 2016 | Watch | Listen | |
Money: Basic Budgeting - Overspending | Ryan Sim | July 21, 2016 | Watch | Listen | |
Money: Basic Budgeting - Reducing Spending | Ryan Sim | July 25, 2016 | Watch | Listen | |
Money: Basic Budgeting - Increasing Income | Ryan Sim | July 26, 2016 | Watch | Listen | |
Money: Basic Budgeting - Spending Diary | Ryan Sim | July 27, 2016 | Watch | Listen | |
Money: Basic Budgeting - Start your Budget | Ryan Sim | July 28, 2016 | Watch | Listen | |
Money: Basic Budgeting - Budget Surprises | Ryan Sim | August 1, 2016 | Watch | Listen | |
Money: Basic Budgeting - Your Money Saving Tips | Ryan Sim | August 2, 2016 | Watch | Listen | |
Money: Basic Budgeting - Smart Shopping | Ryan Sim | August 3, 2016 | Watch | Listen | |
Money: Basic Budgeting - Comparison Shopping | Ryan Sim | August 4, 2016 | Watch | Listen | |
Money: Basic Budgeting - Financial Jargon | Ryan Sim | August 8, 2016 | Watch | Listen | |
Money: Basic Budgeting - Calculating Debt APR | Ryan Sim | August 9, 2016 | Watch | Listen | |
Money: Basic Budgeting - Reading Debt Fine Print | Ryan Sim | August 10, 2016 | Watch | Listen | |
Money: Basic Budgeting - Loan Sharks: Don't Get Bitten | Ryan Sim | August 11, 2016 | Watch | Listen | |
Money: Basic Budgeting - Payday Loan Interest Rates | Ryan Sim | August 15, 2016 | Watch | Listen | |
Money: Basic Budgeting - Payday Loan Rules | Ryan Sim | August 16, 2016 | Watch | Listen | |
Money: Basic Budgeting - Credit Scores | Ryan Sim | August 17, 2016 | Watch | Listen | |
Money: Basic Budgeting - Getting In and Out of Debt | Ryan Sim | August 18, 2016 | Watch | Listen | |
Money: Basic Budgeting - Power and Identity | Ryan Sim | August 22, 2016 | Watch | Listen | |
Money: Basic Budgeting - Security and Satisfaction | Ryan Sim | August 23, 2016 | Watch | Listen | |
Money: Basic Budgeting - Stewardship | Ryan Sim | August 24, 2016 | Watch | Listen | |
Money: Basic Budgeting - Everything is God's, Giving is a Need | Ryan Sim | August 25, 2016 | Watch | Listen | |
Money: Basic Budgeting - Attitudes | Ryan Sim | August 29, 2016 | Watch | Listen | |
Money: Basic Budgeting - Giving Levels | Ryan Sim | August 30, 2016 | Watch | Listen | |
Money: Basic Budgeting - How Much to Give? | Ryan Sim | August 31, 2016 | Watch | Listen | |
Money: Basic Budgeting - Conclusion | Ryan Sim | September 1, 2016 | Watch | Listen | |
Day 1 - What is the Bible? Part 1 - A Letter | Ryan Sim | September 6, 2016 | Watch | Listen | |
Day 2 - What is the Bible? Part 2 - Light and Owners Manual | Ryan Sim | September 7, 2016 | Watch | Listen | |
Day 3 - What is the Bible? Part 3 - Authentic | Ryan Sim | September 8, 2016 | Watch | Listen | |
Day 4 - What is the Bible? Part 4 - A Library | Ryan Sim | September 9, 2016 | Watch | Listen | |
Day 5 - What is the Bible? Part 5 - Varied Literature | Ryan Sim | September 12, 2016 | Watch | Listen | |
Day 6 - How the Read the Bible - Part 1 | Ryan Sim | September 13, 2016 | Watch | Listen | |
Day 7 - How the Read the Bible - Part 2 | Ryan Sim | September 14, 2016 | Watch | Listen | |
Day 8 - What is Prayer? | Ryan Sim | September 15, 2016 | Watch | Listen | |
Day 9 - To whom should we pray? | Ryan Sim | September 19, 2016 | Watch | Listen | |
Day 10 - How does God Answer Prayer? Yes | Ryan Sim | September 20, 2016 | Watch | Listen | |
Day 11 - How does God Answer Prayer? No and Maybe | Ryan Sim | September 21, 2016 | Watch | Listen | |
Day 12 - What can we pray about? | Ryan Sim | September 22, 2016 | Watch | Listen | |
Day 13 - When should we pray? | Ryan Sim | September 26, 2016 | Watch | Listen | |
Day 14 - What words should we pray? Part 1 - Your Words | Ryan Sim | September 27, 2016 | Watch | Listen | |
Day 15 - What words should we pray? Others' Words | Ryan Sim | September 28, 2016 | Watch | Listen | |
Day 16 - What is the Church? Part 1 | Ryan Sim | September 29, 2016 | Watch | Listen | |
Day 17 - What is the Church? - Part 2 | Ryan Sim | October 3, 2016 | Watch | Listen | |
Day 18 - How do Churches Gather? | Ryan Sim | October 4, 2016 | Watch | Listen | |
Day 19 - What do Churches Do? | Ryan Sim | October 5, 2016 | Watch | Listen | |
Day 20 - Why join a Church? | Ryan Sim | October 6, 2016 | Watch | Listen | |
Day 21 - A New Way of Living | Ryan Sim | October 11, 2016 | Watch | Listen | |
Day 22 - Money: A matter of identity | Ryan Sim | October 12, 2016 | Watch | Listen | |
Day 23 - Money: A matter of Security & Satisfaction | Ryan Sim | October 13, 2016 | Watch | Listen | |
Day 24 - Money: A matter of Stewardship | Ryan Sim | October 14, 2016 | Watch | Listen | |
Day 25 - 4 Principles of Stewardship | Ryan Sim | October 17, 2016 | Watch | Listen | |
Day 26 - 4 Principles of Stewardship II | Ryan Sim | October 18, 2016 | Watch | Listen | |
Day 27 - Is there a right amount? | Ryan Sim | October 19, 2016 | Watch | Listen | |
Day 28 - How much should I give? | Ryan Sim | October 20, 2016 | Watch | Listen | |
Day 29 - Making a difference for God | Ryan Sim | October 24, 2016 | Watch | Listen | |
Day 30 - Work in the Christian Community | Ryan Sim | October 25, 2016 | Watch | Listen | |
Day 31 - Discovering our Gifts | Ryan Sim | October 26, 2016 | Watch | Listen | |
Day 32 - CLUES to your calling | Ryan Sim | October 27, 2016 | Watch | Listen |
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We’ve just looked in depth at the death and resurrection of Jesus. We know a little bit about how terrible the pain must have been – to undergo a Roman flogging, carry a cross through a city, and then be hung to die upon the same cross.
Yet the worst part of his suffering was not the physical trauma of torture, or even the emotional pain of being rejected by the world and deserted by his friends, but it was the spiritual agony of being cut off from his Father for us—as he carried our sins, all those sins that build up a barrier between us and God. Jesus took that barrier on himself and right before his death experienced the utter and total devastation of being separated from God. “My God, my God why have you forsaken me?” Jesus cried out before he breathed his last. He was most like us in that moment – most human – as he experienced death and separation from God.
The results of his death, though are so marvelous that it can be hard to describe and so I want to leave you briefly with three images, three ways of thinking about Jesus death on the cross before you break for discussion.
The first image is that of the temple. In the Old Testament, very careful laws were laid down as to how sins should be dealt with. There was a whole system of sacrifices to show how serious sin was—typically the sinner would take an animal and the animal would be as near to perfect as possible and then inside the temple they would lay their hands on the animal and confess their sins—thus the sins were transferred to the animal and then the animal was killed.
The New Testament is clear however, that “it is impossible for the blood of bulls and goats to take away sins.” (Hebrews 10:1) and the writer of the letter to the Hebrews says that this sacrificial system was a foreshadowing of Jesus death—pointing us towards it. Only the death of Jesus, the one perfect life, can be our subsitute.
The second image is from the market place. Who here has a visa card? We all know about debt and it was a problem 2000 years ago as well. In the ancient world, if someone had serious debts they might be forced to sell themselves into slavery in order to pay them off. So imagine if you will that someone was standing in the market place offering himself as a slave, and another person had pity on them and asked “how much do you owe ?” and the debtor replied “5,000” and suppose the man offers to pay the 5000 and then lets him go. In doing so, he would be redeeming him by paying the ransom, the blood money if you will.
In a similar way for us, redemption came by Jesus Christ and by his death on the cross he paid the ransom price and set us free from the power of sin. This is true freedom. It is does not mean that we will never sin again, but it means that sin’s ultimate hold over us has been broken.
The third and final image comes from the law court. We read in the Bible that through the death of Jesus we have been justified. Justification is a legal term and if you were to go to court and be acquitted you would be justified.
Imagine two people who grew up together went to the same school and developed a close relationship but lost touch afterwards. Life went on and one of them became a high court judge while the other man ended up living a life of crime. One day the criminal appeared before the judge who had been his old friend and he committed a crime to which he pleaded guilty. The judge recognized his old friend and faced a dilemma. He was a judge so he had to be just, he couldn’t let the man off. On the other hand he didn’t want to punish him because he loved him. So he told his friend that he would fine him the correct amount for his offence. That is justice. Then he would come down from his position as judge and he wrote a cheque for the amount of the fine. He gave it to his friend, saying that he would pay the penalty for him. That is love.
This is an illustration of what God has done for us. In his justice, he judges us that we are guilty, but then in his love, he came down in the person of Jesus and paid the penalty for us. In effect God is handing us a cheque and saying that we have a choice: do we want Jesus to pay the penalty for us or are we willing to face the judgement of God ourselves for our own wrongdoing ? The choice is ours.
God loves each of one us so much and longs to be in relationship with us, just as a human parent longs to be close with each of their children. The death of Jesus is personal, it’s not just for other people, religious types, its for each of us as individuals. The peace, the hope, the fulfillment that can flow from a knowledge of the forgiveness of our sins is utterly transformational.
Question: Which image (temple, marketplace, courtroom) is most helpful for you? Why?
Read John 19 and reflect – What price did Jesus pay here? Was it for himself, or for others? How can you tell?