living on enough!

Living on Enough!

Raymond L. JohnsonOctober 20, 2013

10/20/2013RL Johnson for Wynnewood Fellowship Church2

Living on Enough!2 Kings 4:1-7 (NIV)The Widow’s Olive Oil

4 The wife of a man from the company of the prophets cried out to Elisha, “Your servant my husband is dead, and you know that he revered the LORD. But now his creditor is coming to take my two boys as his slaves.”2 Elisha replied to her, “How can I help you? Tell me, what do you have in your house?”

“Your servant has nothing there at all,” she said, “except a small jar of olive oil.”3 Elisha said, “Go around and ask all your neighbors for empty jars. Don’t ask for just a few. 4 Then go inside and shut the door behind you and your sons. Pour oil into all the jars, and as each is filled, put it to one side.”5 She left him and shut the door behind her and her sons. They brought the jars to her and she kept pouring. 6 When all the jars were full, she said to her son, “Bring me another one.”

But he replied, “There is not a jar left.” Then the oil stopped flowing.7 She went and told the man of God, and he said, “Go, sell the oil and pay your debts. You and your sons can live on what is left.”

• The Deceased Prophet’s Life Calling• The Deceased Prophet’s Stewardship at

home• The Deceased Prophet’s Family Dilemma


Living on Enough!Verse 1

• The Deceased Prophet’s Life Calling• The Deceased Prophet’s Stewardship at

home• The Deceased Prophet’s Family Dilemma


Living on Enough, requires PLANNING

Verse 1

510/20/2013RL Johnson for Wynnewood Fellowship Church

10/20/20136

Income Bi-weekly1 Biweekly2

Source #1 - - Source #2 - - Other - - Other - -

Total Income -$ -$ -$ -$

Expenses Balance Avg Payment Actual Goal Delta Comment

Automotive - Car Note(s) - Car Maintenance - Car Gas -

Charitable Contributions - Tithes - Gifts - Offerings - Other -

Credit Card - Credit Card #1 - Credit Card #2 - Credit Card #3 - Credit Card #4

Entertainment - Dining out - Movies - Phone/cable/Internet - Travel -

Household - Cell Phone - Cleaners - Clothing - Dues/Subscriptions - Electronics - Groceries - Hair/Nails - Home Repair - House Note/Apt. Rent - Household - Other - Recreation -

Insurance -

- -

Net Monthly Income

<<Name>>Monthly Budget/Spending Outline

<<Year>>

- -

RL Johnson for Wynnewood Fellowship Church

10/20/20137

Household - Cell Phone - Cleaners - Clothing - Dues/Subscriptions - Electronics - Groceries - Hair/Nails - Home Repair - House Note/Apt. Rent - Household - Other - Recreation -

Insurance - Auto - Homeowners/Renters - Life -

Loans - Loan #1Loan #2 - Student Loans -

Medical/Dental - Doctor Bills - Medicine -

Savings - General - Birthday/Christmas Gifts - Car Repair - Emergency - Vacation -

Savings - College / Children - School Activities - College -



10/20/20138

Utilities - Electric - Water - Gas -

Other - - -

Total Expenses - -

Surplus/Deficit -



• Income• List all sources and what day of the month they arrive

• Expenses• Categorize:

• By Group – Automotive, Charitable, Savings, etc.• By Type:

• Fixed Expenses: Tithe/Offerings, Gas, Elec., etc.• Discretionary Expenses: Lunch, Movies, etc.

• Note amounts and total due for each bill

• Zero Balance• Income – Expenses = Zero


Living on Enough, requires PLANNING

• Elisha’s Questions• The Widow’s Answer• The Widow’s Inventory


Living on Enough!Verse 2

• Credit Cards• Determine the highest interest rate & pay minimum on all of them and

more on the one with the highest interest rate.• Goal: Reduce the number of cards down to 1 or 2.

• Savings• Establish automated deductions into a Savings Account

• Create Savings Accounts for Auto Repair, College, etc.• Create an Emergency Savings Account by setting aside 5% a month to

create a 3 month living expense cushion or $3,000• Goal: Learn to live on enough while saving & making a long-term plan for

retirement

• Insurance• At minimum purchase a Term Life policy• Renters or Home Owners Insurance• Goal: Prevent the re-occurrence of the Widow’s oil scenario in your life10/20/2013RL Johnson for Wynnewood Fellowship Church

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Living on Enough, requires PRIORITIZING

• Elisha’s Heavenly Directions• The Widow’s Faithful Steps• Finding and Filling Empty

Earthen Vessels


Living on Enough!Verse 3-5

• Go• Go with the plan/budget

• Ask• Ask family to keep one another in check and

accountable• Shut the door

• Shut out any new debt and Zero Balance• Pour

• Pour self and family into the plan10/20/2013RL Johnson for Wynnewood Fellowship Church

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Living on Enough, requires PRACTICING

• The Full Vessels• Importance of

Finishing Well• The Reward

for Faithfulness


Living on Enough!Verse 6-7

• LOOK BACK:• See the success and introduce it to our family and

friends• Train our kids how to live on enough• Keep an eye on the Zero Balance to spot the

budget leaks• LOOK FORWARD:

• Create a 401K or review the 401K retirement fund• Draft a Will and make funeral arrangements• Break every chain of plastic shackles that try to

entwine us10/20/2013RL Johnson for Wynnewood Fellowship Church

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Living on Enough, requires PERFECTING

Living on Enough!

Raymond L. JohnsonOctober 20, 2013

living on enough!

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