Sermon Tone Analysis
Overall tone of the sermon
This automated analysis scores the text on the likely presence of emotional, language, and social tones. There are no right or wrong scores; this is just an indication of tones readers or listeners may pick up from the text.
A score of 0.5 or higher indicates the tone is likely present.
Emotion Tone
Anger
0.13UNLIKELY
Disgust
0.09UNLIKELY
Fear
0.11UNLIKELY
Joy
0.53LIKELY
Sadness
0.18UNLIKELY
Language Tone
Analytical
0.55LIKELY
Confident
0UNLIKELY
Tentative
0.43UNLIKELY
Social Tone
Openness
0.27UNLIKELY
Conscientiousness
0.79LIKELY
Extraversion
0.64LIKELY
Agreeableness
0.48UNLIKELY
Emotional Range
0.97LIKELY
Tone of specific sentences
Tones
Emotion
Language
Social Tendencies
Anger
< .5
.5 - .6
.6 - .7
.7 - .8
.8 - .9
> .9
One of the biggest problems in America today is debt.
We know that the government doesn’t know how to manage money, and for that reason our country has a national debt of $30 trillion with an annual revenue of only $4.5 trillion.
The average American household looks like this as of Sept. 17, 2021; [$147,000]
Mortgage: $208,185 Credit card: $5,315
Personal loan: $16,458 Student loan: $38,792
Regardless of income, the typical American family lives from paycheck to paycheck.
If they miss one paycheck, they are in big trouble.
Most American families spend more than they earn.
P. T. Barnum once said, “Money is in some respects like fire; it is a very excellent servant but a terrible master.”
Many people’s finances are like a fire out of control.
Putting out this “financial fire” requires knowing how we get into debt and how we can get out of debt.
Higle, T. C. (2007).
Journey into Living Wisely in a Foolish World: A Study of Selected Proverbs (p.
31).
Tommy Higle Publishers, Inc.
1. How We Get Into Debt;
Credit Cards- the ability to buy now and pay later.
Too many people do not count the cost of credit card spending.
Suppose you owe $8,000 on a credit card.
You make a monthly payment of $113.40 (which is more than most required minimum payments) at 17% interest.
It will take you over forty years to pay off the $8,000, and you will pay about $52,000 in interest.
This makes a total of more than $60,000 for borrowing only $8,000.
Studies show that we spend 30% more when using a credit card as opposed to cash.
If you shop at WalMart only, you will spend more than you would if you shop at a grocery store.
Vehicles- most people want to ride in style and buy a vehicle based on want instead of need.
Average new car cost
New vehicle category Average total Average total
cost per month transaction
Small sedan $603 $23,903
Small SUV $708 $32,258
Medium sedan $781 $30,281
Medium SUV $831 $43,623
Full size pickup $966 $57,267
On average a new car loses 20% value when you drive it off the lot.
If a car costs $40,000 it depreciates $8,000 when you sign the paperwork.
It also depreciates 10% during the first 12 months.
So in your first year of owning a new vehicle you would lose $12,000.
What makes one want to buy something they can’t rally afford?
Pride
2. How To Get Out of Debt;
Quit Robbing God- If you want God to bless your finances then quit robbing Him of what is His.
Do you know what the difference between stealing and robbing is? Stealing is taking something that belongs to someone else when they are not around.
Robbery is taking of personal property in the possession or immediate presence of another.
When we don’t tithe, we are not stealing from God; the Bible says we rob God because we take His money while He is looking at us.
Higle, T. C. (2007).
Journey into Living Wisely in a Foolish World:
Be Content with what you have- Enjoy what you have and quit worrying about what you don’t have.
Cut up your credit cards- if you can’t control impulse buying, you need to perform plastic surgery on your credit cards.
Start paying them off one by one starting with the smallest credit card debt.
Once you’ve paid it off, add what you paid on that card monthly to the next credit card and so forth.
Small victories in paying off debt goes a long way in winning the war!
Get on a budget- Everyone should have a budget of monthly income and expenses.
This is the best planning tool for wise spending/saving.
Never borrow money for depreciating items- depreciating items are clothing, furniture, TV, electronics, computers, new cars [48 months].
If you charge these items then you are paying interest on things that lose value the minute they are purchased and you carry them home.
You’re losing money before you even get any use out of them!
Homes and businesses usually appreciate and to borrow money on them if its not out of your income range will usually be a good investment.
Money is a method in which God tests our faith.
How one handles their money reveals how you really think about God and His Word.
3. A Debt We Owe;
There is a debt we owe that cannot be repaid but it requires that we make regular payments.
Our Salvation in Christ
We can never pay for salvation nor could we ever repay for what God did for us through His Son, Jesus Christ.
Since we are saved, and created in Christ Jesus for good works, there are 2 debts we owe that demand regular payments until we are in glory with Christ!
We owe Christ the debt of living a holy life.
We owe a debt to the unsaved world.
Close;
God has given each one of us the ability to pay our debts [materially/spiritually].
We just need to be wise stewards of His grace!
< .5
.5 - .6
.6 - .7
.7 - .8
.8 - .9
> .9