Thankful for 25 Years of Pastoral Ministry

November 5, 1990. I ditched school that Monday morning. I had a funeral to preach. For the first half of the year, I preached the 11:00 AM service at my father’s church on first Sundays. But the first Sunday in August was the last time. I preached a sermon that Sunday, entitled, “Waited Time On […]

DEVOTIONAL: The Greatest Promise in the Bible

Concerning Philippians 4:19, James Montgomery Boice comments… “We come now to what is perhaps the greatest promise in the entire Bible. And it is great because it includes all of the other promises in itself.” The wonderful promise of Philippians 4:19 is this: “And my God will supply every need of yours according to his […]

Lessons My Father Taught Me

My father was H.B. Charles Sr. He pastored the Mt. Sinai Missionary Baptist Church in Los Angeles for 40 years, until his death in 1989. All I saw my father do was serve the church. Whether I became a preacher or not, my father’s example taught me to associate Christianity with serving others. The Lord […]

#029: Finding Your Voice in Preaching [PODCAST]

Welcome to episode #029 of The On Preaching Podcast, the podcast dedicated to helping you preaching faithfully, clearly, and better. In this episode of the podcast, we will discuss how to find your voice in the pulpit or develop your style in preaching. Here are 10 ways to find your voice in the pulpit… Preach. […]

Pastor, Who Do You Represent?

I was introduced to the young man after a worship service. He had recently moved to the city for work and was looking for a church home. I prayed for him. I also asked him to call my office to set up a time for us to talk. But I was not looking forward to the […]

What The Bible Says About Debt


We concluded our annual Stewardship Emphasis Month at the Shiloh Church today. We are also on the runway to launch our “Back to the Future” capital campaign. Our prayerful goal is to pay off our mortgage and prepare for new open doors.

I preached a topical message today entitled, “What The Bible Says About Debt.” It is only the second topical message I have preached in my seven years as pastor of Shiloh.

I sought to make basic, biblical principles about dealing with debt…

I. Debt is owing more than you can pay. 

There are four different types of debt:

A. Credit card debt

B. Consumer debt

C. Mortgage debt

D. Investment debt

II. Debt is a spiritual matter (Prov. 3:6a; Luke 16:10-13). 

III. Debt is not necessarily sinful (Rom. 13:8). 

There are several big questions you should ask before deciding to going into debt?

A. Does it make economic sense?

B. Are you and your spouse united?

C. Do you have spiritual peace about this decision?

IV. Debt is not wise. 

Why is it not wise to get into debt?

A. Debt is enslavement (Prov. 22:7).

B. Debt presumes on the future (Prov. 27:1; James 4:13-17).

C. Debt robs God of the opportunity to work (Prov. 3:5-6; 2 Kings 4:1-7).

D. Debt displays contentment (Phil. 4:10-13; 1 Tim. 6:6-10).

V. Debt must be repaid (Ps. 37:21; Prov. 3:27-28). 

A. Give to God first (Ps. 24:1; Prov. 3:9-10).

B. Guard your heart (Prov. 4:23; 1 Tim 6:10; Matt. 6:19-21).

C. Live within your means (Prov. 27:23-24)

D. Develop a repayment plan.

Saturday Shout-Outs: Beulah, Jude 3, & Ministry Links

You can sign up in the margin to the right of this page to receive a free weekly sermon manuscript and other resources.  Shout-out to the Beulah Baptist Association for the opportunity to speak during their annual session this week. It was my joy to be be interviewed for The Jude 3 Project podcast: “Apologetics […]