Author: Neil Schultz

I help church leaders and their spouses become resilient and healthy in their lives, families and ministries.
Helping People Find Income

Helping People Find Income

Yes, it actually is possible to help those who have limited income to find it if you Click Here!

What this is, is a Paid Survey site. If you sign up with a one-time $34.95 fee, and you’ll be able to receive surveys that you could be paid between $5 and $75. This really works, and I recommend it to you as a part-time job or while you go to school.

Why We Need a "Daily" Savior by Patrick Morley

Why We Need a "Daily" Savior by Patrick Morley

Most us of have said, thought, or at least heard someone else say, “Why do I need a Savior? I’m not such a bad person. I try to do the right thing.”

The Christian who thinks that by answering this question once they have answered it for all time is at great risk.

Troy, a Christian for 30 years, married for 25 years, announced to his wife, “I want a divorce. I don’t love you. I’ve never loved you.”

Betty, a long-time Christian, after a decade of marriage counseling, told her husband, “I’ve had an affair. I’ve quit, but it made me realize I don’t love you. I want a divorce.”

Sam, a successful Christian businessman, got into a cash flow problem. He started “double” charging the charge cards of a few wealthy customers. He’s in jail.

And then there are George, Bill, Linda, the other Sam, Joe, Susan, and all the rest.


Most of us have an idealized picture of ourselves – focusing on our strengths and overlooking our weaknesses. Few men could bear the weight of seeing themselves as they really are. That we actually don’t should perhaps be considered a kindness from God.

On the other hand, unless we attempt, at appropriate moments, to remember how much we have sinned we will come to see ourselves as “small” sinners. Small sinners, of course, will only need a small Savior. Or if we forget completely we will see ourselves as “tiny” sinners, perhaps able to save ourselves. Either of these views will eventually lead us astray.

For this reason, it would seem worthwhile for all men – especially those who seem most righteous on the outside – to remember not only who they were, but who they still are. Jesus said, “The time is coming when everything will be revealed…what you have whispered behind closed doors will be shouted from housetops for all to hear.” I hope not. I hope He was using hyperbole to make his point. At least I am glad he didn’t say, “Your thoughts will be revealed to everyone.”

How will this “revealing” happen? We do not know. But I’m sure grace will superintend it so that it is bearable. And let us not forget that everyone else’s secret will also be shouted, so no man will be left standing. We’ll all be knocked to our knees.


You may still be asking, “But am I really so bad? I’ve been a Christian for a long time. I’m faithful. I study the Scriptures. I pray. I do good works. I remember the poor. I serve God. I love God.” Of course, you may not be able to say this much, but suppose you can. Now consider that a devil has been assigned to write a newspaper article about you. Could not every one of us be destroyed today with only 300 words?

What if your spouse could read every word that you said about him or her to others? What if your thoughts were exposed? What if your sexual lusts, or merely the temptations you bring upon yourself, were written out for all to see? Would you still want to say, “I’m not so bad.”

What if your children knew how you talked on the job or handled taxes? What if your friends from church heard how you talked about them on the way home after services? What if your best friend knew your private habits? What would your work associates say if they knew how you speak to your mate? Would your reputation be ruined? Of course it would. But it gets worse. If those we love the most knew what we actually thought and said about them, those who didn’t commit suicide would move very far away from us!

Notice that we have only been talking about the present. Let’s consider the past. If the article recalled your ten biggest sins, which of the Ten Commandments would be left untouched? Would you not be humiliated beyond repair? We would see stealing, cheating, adultery, every manner of sexual experiment, addictions, abortions, desertions — but let us stop before we reach the point of despair.

The point is that even the holiest among us has a past and present so riddled with unrighteousness – no matter how hard one might try – that we should have no doubt that we need Something or Someone external to save us from not only the devil, but from ourselves.

So far we have only discussed sins against each other. What about our sins against God? If you attend an “R” rated movie today your ears and eyes will likely be assaulted by a lewd litany from potty mouths who love to discuss and perform sexual acts for their voyeuristic viewers. I fear the devil has had his way with us. We who are Christian become incensed and outraged because they fornicate and use the “f” word, and of course it is repulsive, yet we often have no allergic reaction at all to the vain use of God’s name.

I think that in a different kingdom-the kingdom of God-a newspaper article that revealed our sins against the people we love would be far less embarrassing than an article that revealed what we have said about God, or worse, heard said and thought nothing of it.

All of this, though, is not reason to despair. Instead, we should see it as merely the evidence of why we need a Savior.


Are you as bad as you could be? Of course not. That is not the question. The question is, “Am I bad enough to bring about my own destruction?” The answer of any reasonable thinking person after imagining his or her own expose must be a resounding, “Yes.”

Does it resonate with you that only when we see ourselves as we really are can we see how much we really need deliverance? When we see that we are not a tiny sinner or even a small or large sinner, but a great sinner, then we will be humbled to look for salvation outside ourselves.

No, I am not as bad as I could be, but I am far worse than I can manage on my own. And that’s now, not just then. When we reach this point of humble despair we cry out, “What must I do then to be saved-today?”

The answer, ironically, is that nothing you “do” will ever make you good enough to be saved. Instead, it is to say, “I cannot. But Christ said he can if I will believe, so I choose to believe by faith.” We need to turn to our Savior every day.

Now one last crucial question: How often should we try to remember how sinful we are? There are two answers. For sins “past” that have been repented, not very often, but occasionally as a gut check. While they have been “forgotten” by God they remind of us of how far we have come and evoke gratitude, humility, and awe of God.

For sins “present” we should remember every day. When we see ourselves as we are, we need not despair. Big sin, big Savior. Remembering is good. Remembering every day is even better. Daily sin, daily Savior.

Pastor Willie Richardson laments that most people try to solve their own problems and don’t bring them to him until they are scary looking nine-foot-tall roaring monsters with sharp fangs. He will say, “Why didn’t you bring this to me when it was a cute little cuddly problem that you could hold in the palm of your hand?” Good question.


  1. How long has it been since you have been made aware of the depth of your sin? Is that hard for you to face? Why or why not?
  2. On a daily basis, what do you expect from God? Are you looking for him to add some benefit to your nice life, or do you understand your desperate need for a Savior? How could you consider these things on a daily basis?
  3. Why not say the Lord’s Prayer thoughtfully each day?

We are pleased to offer his book, When Good Men Are Tempted, on the subject of sexual integrity. $10

Bill Perkins is a pastor and well-known speaker, conducting business and leadership seminars across the country. He is a member of the faculty of Man in the Mirror, has spoken at Promise Keeper rallies and appeared on nationally broadcast television and radio shows.



I did a search on this blog today for the word “love.” Wow. A lot of my posts have the word “love” in them.

In the English language, the word “love” has a vast symantic range. In the same sentence, I can say “I love peanut butter,” and say “I love my family.” The question is do I love peanut butter in the same way that I love my bride and children? Of course not. The meaning is different (at least I hope so!)

In the Greek language, there are at least three words for the English word “love.” They all convey different concepts. They are:

1. Eros – Erotic love; the kind of love between lovers. Romance and sexual attraction is the foundational idea here.
2. Phileo – Familial love; the kind of love between family members or friends. This kind of love is based on the condition of being related or mutual appreciation and respect, and is bi-lateral in that both parties involved feel the same way.
3. Agape – Unconditional love; the kind of love that is one-sided and has no conditions placed on the other person. This kind of love is supernatural, and the source of this kind of love comes from God.

May we all learn to Agape love one another!

Stone by Stone

Stone by Stone

Frustrated with your life?

Start at the beginning. Think in your mind where you went wrong. What were the circumstances that brought you to that point? What could have been different? If you had the chance to do it again, how would you do it differently? Consider moving forward as if you DID do it the right way. Now what?

Living life is a joy! Take it one day at a time.

A movie made in 1972 titled, “Brother Sun, Sister Moon” taught me that. It was a song recorded by Donovan titled, “Stone by Stone” in the movie that really points out that we need to live our lives at a slower pace than we often do.

“If you want your dream to be
Build it slow and surely.
Small beginnings, greater ends
Heartfelt work grows purely.

If you want to live life free
Take your time go slowly.
Do few things but do them well
Simple joys are holy.

Day by day, Stone by stone,
Build your secret slowly.
Day by day,You’ll grow too,
You’ll know heaven’s glory.”

"I Have No Other Plan" (The Great Commission)

"I Have No Other Plan" (The Great Commission)

There is an old legend that takes us back in time and recounts the time when Jesus slips back into heaven after He had died on the cross and rose from the dead. According to the legend, the angel Gabriel met him. Gabriel frowned when he saw the marks of Jesus’ scars of His tortuous years on earth, especially the scars of His crucifixion.

Gabriel said: “Master, you suffered terribly for those down on earth.”

“Yes, I did,” was Jesus’ reply.

Gabriel continued: “Do they all know now about your live and your forgiveness? Have they all heard about your death and resurrection?”

“No, not yet.” Said Jesus. “Right now only a handful knows. Only a handful of people in Palestine know about my death and resurrection.”

Gabriel looked perplexed. “Then,” he asked, “Euh… How will everyone find out about your wonderful life and your sacrificial death and triumphant resurrection?”

“I have asked Peter, James, John and a handful of friends and followers to tell other people about it. And when other people hear and believe, they in turn will tell others. And Gabriel, by and by, the planet earth will hear the message.”

Still frowning, the angel responded: “But, hmmm, you know how people are on earth. What if they… What if Peter, James and John get tired? What is they tell the story and then the next generation gets all involved in other pursuits? What if way down in the 18th or 21st century, people aren’t committed any longer to your commission? Have you made other plans?”

The Lamb of God looked directly at the angel of God and said: “I have no other plan. I am counting on them.”

As heard from Chuck Swindoll

Needs vs. Wants Analysis

Needs vs. Wants Analysis

“Keep your lives free from the love of money and be content with what you have, because God has said, “Never will I leave you; never will I forsake you.” Hebrews 13:5-6 (NIV)

Think through what your typical expenditures are in a month and list those things that are needs and wants

Is this a need? Is it a want? Does your spouse agree?

Begin to listen to each other’s needs and come to a mutual decision as to what your plan of action will be.

Write on a sheet of paper a T-graph (a line at the top of the page with “Him” on one side and “Her” on the other.)

Write “Needs” and “Wants” underneath the “Him” and “Her.”

Both of you write what you consider are in each of these categories. Discuss and pray to work toward unity!

The Latte Factor

The Latte Factor

The Latte Factor(r) (created and developed by David Bach, author of The Automated Millionaire) is based on the simple idea that all you need to do to be a better manager of God’s resources is to look at the small things you spend your money on every day and see whether you could redirect that spending to Grace-giving, debt elimination or savings for the future. Putting aside as little as a few dollars a day for your future rather than spending it on little purchases such as lattes, fancy coffees, bottled water, fast food, cigarettes, magazines and so on, can really make a difference between being truly wealthy and living paycheck to paycheck.

We don’t even realize how much we’re actually spending on these little purchases. If we did think about it and change our habits just a little, we could actually change our destiny.
Still not convinced?

Consider this:
$5 per day (the average cost of a latte and a muffin) x 7 days = $35 per week

$35/week = $150/month

$150 per month invested at a rate of 10% annual return =
1 year = $1,885
2 years = $3,967
5 years = $11,616
10 years = $30,727
15 years = $62,171
30 years = $339,073



Are all WANTS inappropriate or outside of God’s will? NO! He wants us to use wisdom in this area of our lives! Allow me to show you some guidelines of how the way of wisdom works in determining what is a WANT.

WANTS: How Do I Determine Them?

  1. Does this item/service increase my debt?
  2. Does it increase my stress level?
  3. Does it contribute to my physical, emotional, intellectual or spiritual well-being?
  4. Does it diminish my Grace-giving?
  5. Does this prevent/diminish my laying up treasures in heaven?

NEEDS: How Do I Determine Them?

Will the absence of this purchase/service/item result in physical, emotional, intellectual or spiritual harm or deprivation?
– Is Food a NEED or a WANT?
– Is Shelter a NEED or a WANT?
– Is Clothing a NEED or a WANT?
– Do you see how determining a Need vs. Want is so closely related?

For Example: Shoes. I can buy a $20 pair of shoes or I can go buy a $120 pair of shoes. I am NOT saying we all should ONLY buy $20 pair of shoes, but I AM saying that if buying a $120 pair of shoes is going to diminish my Grace-giving or bring me harm in some way such as debt, then I need to buy the cheaper pair.