Category Archives: 440 Hz

440 Hz Make Financial Adjustments

Any musician understands you must make constant adjustments in order to stay in tune. Heat, humidity, regular use or lack of use all have an effect on an instrument’s tuning. Our money is no different. As life seasons change, we must make financial adjustments.

Fine tune your attitude about work – We are made in the image of an amazing, creative, powerful God. Be creative, diligent, responsible and entrepreneurial. Work hard and develop your full earning potential.

Fine tune the art of contentment – King Solomon spent time, energy and a wealth of resources testing his heart with pleasures of every kind and yet at the end of his experiment he came to the conclusion that it was all meaningless. (Ecclesiastes 2:1-11) He had gained nothing in the pursuit of pleasure. Money and material things will never be a consistent source of happiness.

Fine tune your feelings about debt –Lack of contentment fuels a passion for immediate gratification and we fall into the trap of debt. The borrower is slave to the lender. (Proverbs 22:7). The average American spends $1500 a year paying credit card interest. Imagine what we could do if we reclaimed that money. Shoreline offers a wonderful program to equip you with practical tools for financial freedom. We will launch Dave Ramsey’s Financial Peace University classes on January 18th, 2015.

Fine tune your plan – There are five things you can do with your money:

  1. Spend it
  2. Repay debt
  3. Pay Taxes
  4. Save
  5. Give

The order reflects our priorities – me, me, we, me, others. Jesus turns the list upside down with this instruction:

But seek first his kingdom and his righteousness, and all these things will be given to you as well. Matthew 6:33 NIV

Re-order your plan:

  1. Give
  2. Save
  3. Pay taxes
  4. Repay debt
  5. Spend

When we honor God and put him first, we invite his generous blessings into our financial world.


This is part 4 in a series
Click here for part 3  Fine tune your financial perspective
Click here for part 2 Have a clear financial objective
Click here for part 1 – Find your financial reference point

440 Hz – Fine Tune Your Financial Perspective

440 Hz is the sound wave length for A above middle C, the set frequency every musical instrument is tuned to.  Here’s the thing about tuning an instrument, you have to constantly make adjustments to stay in tune.

Our financial world needs regular tuning. We have to constantly adjust our perspective on money. How do we handle our extra? What guides our decisions with the money that’s left over after food, shelter and clothing?

Jesus told a parable about a man who had a lot of extra. He decided to store up the surplus for himself and take it easy. Little did he know, his life would end that night.  The whole point of Jesus’ story was that life does not consist in an amassing an abundance of possessions.

Jesus is not against preparing for the future and he is not against people having extra. His challenge was to shift our perspective from storing up for self to being rich toward God.

We can fine tune our perspective by remembering 3 P’s:

Percentage – God doesn’t care how much you give, he cares about the percentage.  If you took the challenge from Part 1 of this series you may have discovered you are living on 100% of your income. You may have discovered that you are living on 130%. God’s request is that we live with margin, living on 90% and giving 10% of our income to honor him.

Priority – When it comes to our resources, God’s instruction is to put him first, to bring him the first fruits of our increase (Proverbs 3:9), to seek his kingdom first (Matthew 6:33).

Person – Jesus’ story emphasized being rich toward God. We are instructed in the Bible to bring our tithe, our 10% to provide for God’s house (Malachi 3:10).

When it comes to your financial perspective, do a little find tuning. Give a percentage, make it a priority and give to God.


Then he said to them, “Watch out! Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.” And he told them this parable: “The ground of a certain rich man yielded an abundant harvest. He thought to himself, ‘What shall I do? I have no place to store my crops.’ “Then he said, ‘This is what I’ll do. I will tear down my barns and build bigger ones, and there I will store my surplus grain. And I’ll say to myself, “You have plenty of grain laid up for many years. Take life easy; eat, drink and be merry.”’ “But God said to him, ‘You fool! This very night your life will be demanded from you.Then who will get what you have prepared for yourself?’ “This is how it will be with whoever stores up things for themselves but is not rich toward God.”  Luke 12:15-21


This is part 3 in a series
Click here for part 2 Have a clear financial objective
Click here for part 1 – Find your financial reference point

440 Hz – Have a Clear Financial Objective

A friend once told me about a professor who blew her honor roll status with his difficult tests. Although she studied, the challenge with the test format was the answer could be a, b, c, a & b, b & c, all of the above or none of the above. The key to doing well was figuring out the best, right choice.

When it comes to our money, life presents us with a fill in the blank that has a best, right choice: I’m trying to do _______ with my resources.  We choose our answer:

A)   Get by

B)   Keep up with the Jones’

C)   Emulate Scrooge

D)   Be financially free

Although most seem like decent options, none are the best, right choice.  Scripture points to how we should finish the statement. Our one clear objective is to honor God with our resources.

When we realize that everything good we have in our lives comes from God, it becomes so easy to give. As David so eloquently said,

“But who am I, and who are my people, that we should be able to give as generously as this? Everything comes from you, and we have given you only what comes from your hand.” 1 Chronicles 29:14


David knew that all we are and all we have are because of God’s blessing and favor.

If you did the homework assignment last week to find where your money is going, it most likely provided insight on your spending habits. Perhaps you already saw the first portion set aside for God, that first 10 % he asks for. If so, that’s awesome! If not, it’s not too late to make an adjustment. As you do, God promises to bless you in return.

“Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the Lord Almighty, “And see if I will not throw open the floodgates of Heaven and pour out so much blessing that there will not be room enough to store it.” Malachi 3:10

Honoring God with the tithe demonstrates our gratitude for all he’s given. It’s a way to live out our one clear financial objective, the best, right answer to the question.  As we honor God we will receive even more blessings in return. What a generous God we serve!

This is part 2 in a series
Click here for part 1 – Find your reference point

440 Hz Find Your Financial Reference Point

Notes collide. A cacophony fills the concert hall as musicians loosen their fingers and warm up their lips. That is until the oboe plays one particular note – A above middle C. Everyone adjusts their instrument to the oboe’s A, a sound wave of 440 Hz.  The orchestra tunes, each individual finding its place in the whole.  Anticipation builds as it all comes into balance.

In this series of messages we are talking about fine tuning your financial world.  There are three laws of tuning:

  1. Have a reference point
  2. Have a clear objective
  3. Make constant corrections

440 Hz, A above middle C, is the orchestra’s reference point.  When each instrument tunes in, melodies ring out with complimentary harmonies and noisy notes become a beautiful symphony.

How do we find our financial reference point? Jesus gave us the key to unlock the map:

For where your treasure is, there your heart will be also. Matthew 6:21

Follow the trail of your treasure and you will find the location of your heart. Does God have your heart or does your motorcycle have your heart? Does God have your heart or does your closet have your heart?  The position of your heart is revealed by what you do with your treasure.

Here is your assignment Shoreline – become a private investigator and spy on your money. Find out where it is going! Write down every expenditure and analyze your outflow. Your spreadsheet has a story to tell and it’s important to read it.

If our heart is foundational to living out the Christian life, we can’t be casual or indifferent about how we manage our resources. We have to know what our money is telling us about our heart.  We may need to do a little fine tuning so we can bring our financial world into balance.