If you have been listening to the news lately, you probably heard that the state of California has another budget crisis.  The news channel reported this week that the state will have a $6 Billion deficit for this fiscal year and a projected $14 Billion deficit for the next budget year.

      This seems amazing since the governor and the state legislator have already “fixed” the problem twice this year.  What a mess.

      California universities are raising tuition rates dramatically.  Schools are cutting their budgets and laying off teachers.  The unemployment rate in California is well over 10%.  People are feeling the effects of this financial crisis in every area of life.

      I have only lived in California since the late 1980’s.  But I’ve heard that there were times when California actually had budget surpluses.  The tuition at California universities was very affordable.  Classes at Junior Colleges were almost free.  Everyone wanted to move to the Golden State and enjoy these remarkable benefits.

      But, something has changed.  We live in a state that is in a financial mess. I know everyone wants to blame someone else.  There is a lot of finger pointing but no one seems to have a clear answer to these problems.

      I suggest that before we criticize others, we need to take an honest look at our own financial affairs.  Are you and I living within our means?  Do you and I pay our bills on time?  Have you and I committed to spend more money than we know we can afford?  Do you and I have credit card debt that is out of control?

      It is easy to see the financial irresponsibility of our governor and legislators.  But, are we just as guilty on a personal level? 

     The Bible has some sound principles when it comes to personal finances.  Save for future needs (Proverbs 21:20).  Work hard and be willing to share with those in need (Ephesians 4:28).  Be content with what you have (Philippians 4:12).  Beware of the danger of debt (Proverbs 22:7).

     If we hope to see better days ahead for our community and state, we need to first get our own houses in order.  I hope you will sit down with your wife and family this week and take a careful look at your financial affairs.  Where can you start to get your financial house in order?  Then, write a letter to the governor, your state senator and state  assemblyman and tell them it is time to get California’s financial affairs in order, too.