This program will help you undo financial bondage.
Making a budget and working it will enable you to obtain debt freedom and shed financial burdens. It helps you overcome the irresponsible nature that exists in all of us. And it crushes the heads of the demonic spirits that would otherwise lead us to be bad stewards of God’s resources who think only of ourselves and our desires. Writing our goals plainly on tablet (paper) concerning how we utilize our income allows us to exercise financial prudence knowing that it will lead us to give, save, and spend in accordance with God’s will for our lives. Budgeting will ultimately change the negative financial patterns that have overtaken our lives.
The process is not as complicated as some people seem to think. Just do the following and spend a little time each week checking in with your budget to ensure that you’re following through on your commitment to better your stewardship.
1) List your net monthly income.
2) If you’re a Christian, you should first subtract a tithe from your income that you will give to church ministry for the spreading of the gospel and good works at home and around the world as evidence that you have faith God will take care of your needs. No one can or will make you do this. It has to be a matter of the heart. For where your treasure is there will your heart be also.
3) Now subtract from your net monthly income (or the amount that remains after tithing) the minimum payment for every bill due this month.
4) When bill payments for particular services are not required each month or they vary each month (insurance, utilities, lawn maintenance, snow removal, etc.), subtract the estimated average monthly amount of each bill.
5) What remains is your disposable income.
6) You should discipline yourself (you disciple you – smile) to get in the habit of spending no more than your disposable income on additional products and services so that you don’t continue to or wind up drowning in a sea of debt.
7) Your disposable income should be spent on needs first. Prioritize in a manner similar to: 1. Shelter (house, apartment, room, etc.), 2. Transportation (bus, commuter van, vehicle, gas, repairs, etc.), 3. Clothing, 4. Food, 5. Etc, etc. etc.
8) Reason being that shelter and transportation to and from work, medical appointments, etc. will be the most difficult to come by when you’re in a tight situation. Clothing and food can be come by from many different sources when you don’t have the means to obtain them at a given time. (Mission stores, food pantries, and the goodness of family, friends, neighbors, and co-workers.)
9) The amount that remains could be spent on offerings, personal care items, debt reduction, saving, entertainment, etc.
10) Do not spend amounts you subtracted for bills not due each month, so that when these bills come due you'll have money already in your budget to pay them.
11) You should discipline yourself to budget for at least a six-month cycle. Although taking the first step to budget for this month is great. Now, each week add to that a budget for the next month and so on,
A budget is somewhat flexible because income and expense estimates may not be exact and emergencies do arise. Yet, you should not use this as a reason to bend your budget to the point of breaking when these situations do not occur.
Following your budget will help you build an emergency reserve savings account to cover such emergencies and will help you reach the point of investing to truly build wealth throughout your lifetime.
Heart and mindsets that help your budgeting process are refusing to spend more than 80% of your take home pay, refusing to take out loans to get what you want, and letting God Almighty provide needs that you truly cannot provide for at the moment. He cares and will make a way through your family, friendships, co-workers, and community services.
All of the things you desire that are not necessary for you to live can wait until you have disciplined yourself to follow your budget and have built cash reserves to pay for them without using credit. After a year or two of engaging such discipline, you'll find yourself enjoying the fulfillment that comes from giving, saving, investing, and wealth building that help you carry out the purpose God intended for your life.
Please email any questions and pray for this ministry. May God bless you richly as you follow His plan!!!
Proverbs 30:24-28, Ecclesiastes 10:17-19, Habakkuk 2:1-4, Luke 16:8-13
Please forward these bondage breaking articles to other people who can use helpful insight!!!
Sunday, February 28, 2010
Sunday, February 21, 2010
MoneyWalk 455: Maybe short term pain but definitely long term gain
This program will help you undo financial bondage.
Scripture teaches that good stewards engage in the following practices and that they reap blessings from doing so:
1. Manage money and resources like Almighty God owns it all because He does. In the beginning was the Word, and the Word was God, and the Word is God, and nothing was made unless it was made by Him.
2. Tithing and offering to honor God for His provision and to help fund the spread of the gospel to every person around the world. And the Holy Spirit shall come upon you and you will be witnesses to me in Judea, Samaria, and the uttermost parts of the Earth.
3. Working diligently. For even when we were with you, we commanded you that any man who would not work should also not eat.
4. Living off less than your income by budgeting your spending. Know the state of your flocks and herds and write the vision down plainly on paper so that you may successfully use it to reach the desired goal.
5. Eliminating debt and moving forward to live debt-free. The borrower is a slave to the lender. God desires that you be the head and not the tail.
6. Eliminating cosigning and surety for other people’s debts. Do not cosign for other people’s debts unless you want your coat taken and be subject to ridicule and irresponsibility.
7. Diversifying assets. There is safety in the multitude of counselors. Therefore, save and invest with seven or eight different reputable sources and with a similar number of different types of investments.
8. Saving a reasonable portion of your income. There is oil and wine in the dwelling of the wise but a foolish man spends all that he gets his hands on.
9. Investing a reasonable portion of your income to produce greater profit. The master commended the faithful servants who traded with what He gave them and produced double to present to Him.
Working diligently to serve, gain experience, and develop skill that produce income to care for yourself and your family and help provide for others in need is certainly the road to take. It will help you have more provision for yourself, family, and other worthwhile priorities as opposed to the meager welfare that might be afforded by other people when you choose the other route of not seeking to consistently work.
Many forces in the world seek to pull you away from the above foundations of good stewardship by telling you that some other principle is more important in our modern, civilized society, such as having access to as much personal credit (loans) as you can get your hands on. Advisors are telling people that they cannot live without credit and that they should keep credit card accounts open at all cost. Other people are saying that you will always have bills or car notes or house notes. New sources are pointing to the need to have all of these in order to keep your credit score as high as possible.
For the unsuspecting and those ignorant of truth this sounds like great savvy advice. However, you should understand that the Word says that not one jot or tittle of His Word will ever fail to produce good in your life. Therefore, any so called principle or new method of doing something should always be measured by biblical principles for good stewardship. If it does not comply or attempts to make God’s instruction null and void, you should not only question it but also refuse to go down that road.
What good is getting, keeping, and continuing to get more credit when the very principles / methods you’ve been engaging in have or will get you in trouble in the future and cause you to have trouble over the long haul. In the short haul it may seem a benefit but looks are often deceiving. There is a way that seems right unto a man, but the end thereof is death.
When you choose the short haul path that is opposite God’s instruction, you eventually come to a point in time when that path leads to destruction in the long haul but also in your future short haul periods. Consider the debacle that has gripped our economy and individuals over the past few years. Much of it started by unreasonable decisions made concerning housing, real estate, unreasonable mortgage options and selections, the packaging of such mortgages as investments, maxing out loans for cars and personal pleasure merchandise and services, and people throwing diversification of investments and assets out the door.
Individuals and our nation would be in a far better place if we had chosen to apply biblical principles and not be swayed by what looks good in the short term. We would continue to gain long term favor and blessing which in turn would positively cover our future short term periods. A faithful man shall abound with blessings: but he that makes haste to be rich shall not go unpunished.
Please email any questions and pray for this ministry. May God bless you richly as you follow His plan!!!
Proverbs 28:20, Ecclesiastes 11:2, Habakkuk 2:2-5, Philippians 4:13, 2Thessalonians 3:10
Please forward these bondage breaking articles to other people who can use helpful insight!!!
Scripture teaches that good stewards engage in the following practices and that they reap blessings from doing so:
1. Manage money and resources like Almighty God owns it all because He does. In the beginning was the Word, and the Word was God, and the Word is God, and nothing was made unless it was made by Him.
2. Tithing and offering to honor God for His provision and to help fund the spread of the gospel to every person around the world. And the Holy Spirit shall come upon you and you will be witnesses to me in Judea, Samaria, and the uttermost parts of the Earth.
3. Working diligently. For even when we were with you, we commanded you that any man who would not work should also not eat.
4. Living off less than your income by budgeting your spending. Know the state of your flocks and herds and write the vision down plainly on paper so that you may successfully use it to reach the desired goal.
5. Eliminating debt and moving forward to live debt-free. The borrower is a slave to the lender. God desires that you be the head and not the tail.
6. Eliminating cosigning and surety for other people’s debts. Do not cosign for other people’s debts unless you want your coat taken and be subject to ridicule and irresponsibility.
7. Diversifying assets. There is safety in the multitude of counselors. Therefore, save and invest with seven or eight different reputable sources and with a similar number of different types of investments.
8. Saving a reasonable portion of your income. There is oil and wine in the dwelling of the wise but a foolish man spends all that he gets his hands on.
9. Investing a reasonable portion of your income to produce greater profit. The master commended the faithful servants who traded with what He gave them and produced double to present to Him.
Working diligently to serve, gain experience, and develop skill that produce income to care for yourself and your family and help provide for others in need is certainly the road to take. It will help you have more provision for yourself, family, and other worthwhile priorities as opposed to the meager welfare that might be afforded by other people when you choose the other route of not seeking to consistently work.
Many forces in the world seek to pull you away from the above foundations of good stewardship by telling you that some other principle is more important in our modern, civilized society, such as having access to as much personal credit (loans) as you can get your hands on. Advisors are telling people that they cannot live without credit and that they should keep credit card accounts open at all cost. Other people are saying that you will always have bills or car notes or house notes. New sources are pointing to the need to have all of these in order to keep your credit score as high as possible.
For the unsuspecting and those ignorant of truth this sounds like great savvy advice. However, you should understand that the Word says that not one jot or tittle of His Word will ever fail to produce good in your life. Therefore, any so called principle or new method of doing something should always be measured by biblical principles for good stewardship. If it does not comply or attempts to make God’s instruction null and void, you should not only question it but also refuse to go down that road.
What good is getting, keeping, and continuing to get more credit when the very principles / methods you’ve been engaging in have or will get you in trouble in the future and cause you to have trouble over the long haul. In the short haul it may seem a benefit but looks are often deceiving. There is a way that seems right unto a man, but the end thereof is death.
When you choose the short haul path that is opposite God’s instruction, you eventually come to a point in time when that path leads to destruction in the long haul but also in your future short haul periods. Consider the debacle that has gripped our economy and individuals over the past few years. Much of it started by unreasonable decisions made concerning housing, real estate, unreasonable mortgage options and selections, the packaging of such mortgages as investments, maxing out loans for cars and personal pleasure merchandise and services, and people throwing diversification of investments and assets out the door.
Individuals and our nation would be in a far better place if we had chosen to apply biblical principles and not be swayed by what looks good in the short term. We would continue to gain long term favor and blessing which in turn would positively cover our future short term periods. A faithful man shall abound with blessings: but he that makes haste to be rich shall not go unpunished.
Please email any questions and pray for this ministry. May God bless you richly as you follow His plan!!!
Proverbs 28:20, Ecclesiastes 11:2, Habakkuk 2:2-5, Philippians 4:13, 2Thessalonians 3:10
Please forward these bondage breaking articles to other people who can use helpful insight!!!
Sunday, February 14, 2010
MoneyWalk 46: Know Your Flocks & Herds
This program will help you undo financial bondage.
You must keep the amount of expenses below your income in order to have peace in your life because this helps you take care of all your needs and responsibilities in life including you, your spouse, and children. You don’t have to log all your expenses over the past few months nor log every single expense on a ledger for the next few months in order to decide what route to take to correct your situation. The pain of your present suffering should make you willing to follow biblical money management principles that help you establish a godly mission for your life, set proper goals, know your income, identify unnecessary expenses, and establish a budget for your family.
Many people don't like to hear the word "budget." However, when you don't develop a spending plan based on the reality of your present income then your reality throughout life will be that your expenses inevitably outgrow your income and leave you in financial turmoil with many headaches, torment, and bill collectors hounding you and credit card companies raising your interest rate to take even more from you while your suffering financially.
By counting the cost first - identifying your income and spending priorities on paper or computer via a budget – you turn your dream of financial freedom into a reality because it helps you spend less than you receive in a pay period so you can get out of debt in the most expedient manner. It helps identify your needs versus your wants, so you can focus on purchasing materials and services that have the highest priority.
Knowing the state of your finances at all times is essential to obtain financial health, wealth, peace, and joy. Indeed, it is a part of pressing upward for the mark of the prize of the high calling of God in Christ Jesus, being like-minded with Him and His saints, and holding true to that which you have attained through salvation. In this way, you will maintain the maximum ability to have the maximum fruitfulness He desires you to have in this earthly portion of your life.
Please email any questions and pray for this ministry. May God bless you richly as you follow His plan!!!
Proverbs 27:23-24, Habakkuk 2:2-5, Luke 14:25-30, Philippians 3:14-15
Please forward these bondage breaking articles to other people who can use helpful insight!!!
You must keep the amount of expenses below your income in order to have peace in your life because this helps you take care of all your needs and responsibilities in life including you, your spouse, and children. You don’t have to log all your expenses over the past few months nor log every single expense on a ledger for the next few months in order to decide what route to take to correct your situation. The pain of your present suffering should make you willing to follow biblical money management principles that help you establish a godly mission for your life, set proper goals, know your income, identify unnecessary expenses, and establish a budget for your family.
Many people don't like to hear the word "budget." However, when you don't develop a spending plan based on the reality of your present income then your reality throughout life will be that your expenses inevitably outgrow your income and leave you in financial turmoil with many headaches, torment, and bill collectors hounding you and credit card companies raising your interest rate to take even more from you while your suffering financially.
By counting the cost first - identifying your income and spending priorities on paper or computer via a budget – you turn your dream of financial freedom into a reality because it helps you spend less than you receive in a pay period so you can get out of debt in the most expedient manner. It helps identify your needs versus your wants, so you can focus on purchasing materials and services that have the highest priority.
Knowing the state of your finances at all times is essential to obtain financial health, wealth, peace, and joy. Indeed, it is a part of pressing upward for the mark of the prize of the high calling of God in Christ Jesus, being like-minded with Him and His saints, and holding true to that which you have attained through salvation. In this way, you will maintain the maximum ability to have the maximum fruitfulness He desires you to have in this earthly portion of your life.
Please email any questions and pray for this ministry. May God bless you richly as you follow His plan!!!
Proverbs 27:23-24, Habakkuk 2:2-5, Luke 14:25-30, Philippians 3:14-15
Please forward these bondage breaking articles to other people who can use helpful insight!!!
Sunday, February 7, 2010
MoneyWalk 45: Financial wisdom
This program will help you undo financial bondage.
Godly wisdom should be regarded more than gold, silver, and precious jewels because it produces godly character and wealth to fulfill your purpose in life. This wisdom produces a correct knowledge of God, realizes the need for intimate fellowship with Him, and helps you understand the specific reason you were brought into this world. The fear of the LORD is the beginning of wisdom: a good understanding have all they that do His commandments: His praise endures forever.
You were created to glorify God by loving and respecting Him through fellowship with Him in praise, worship, and prayer and by fulfilling the mission He gave you on this earth. The fear of the LORD is the instruction of wisdom and those who are humble are the ones truly honorable. A righteous man makes plans for the life and work he will pursue, yet he allows the LORD to direct and change his steps as He sees fit.
Solomon, the richest king upon the face of the earth, abandoned his relationship with God by allowing his pursuit of the greatest possible wealth, fame, and lustful worldly activities to take priority over God’s will for his life. Alcoholic beverages, wild feasts, many women, and vast riches did not fill the void in his heart. He was unfulfilled even though he achieved earthly greatness in all these areas! See then that you walk cautiously and not as a fool but with godly wisdom; redeeming the time because the days are evil. Move forward in the way God would have you to and at all times stand on the foundation of truth and righteousness of our Lord Jesus Christ.
Otherwise, you will have wealth without spiritual health, which is no good!!! At the end of his days Solomon was disappointed in all that he had and achieved and concluded that the entire duty of man is to love God and keep His commandments. Honoring the LORD is the beginning of wisdom and He instructs those who follow Him to true greatness. Learn biblical financial principles and commit to using them. You'll see positive and eternally successful changes overtake your life.
Please email any questions and pray for this ministry. May God bless you richly as you follow His plan!!!
Psalms 111:10, Proverbs 15:33, 16:9, Ephesians 5:15, 6:14
Please forward these bondage breaking articles to other people who can use helpful insight!!!
Godly wisdom should be regarded more than gold, silver, and precious jewels because it produces godly character and wealth to fulfill your purpose in life. This wisdom produces a correct knowledge of God, realizes the need for intimate fellowship with Him, and helps you understand the specific reason you were brought into this world. The fear of the LORD is the beginning of wisdom: a good understanding have all they that do His commandments: His praise endures forever.
You were created to glorify God by loving and respecting Him through fellowship with Him in praise, worship, and prayer and by fulfilling the mission He gave you on this earth. The fear of the LORD is the instruction of wisdom and those who are humble are the ones truly honorable. A righteous man makes plans for the life and work he will pursue, yet he allows the LORD to direct and change his steps as He sees fit.
Solomon, the richest king upon the face of the earth, abandoned his relationship with God by allowing his pursuit of the greatest possible wealth, fame, and lustful worldly activities to take priority over God’s will for his life. Alcoholic beverages, wild feasts, many women, and vast riches did not fill the void in his heart. He was unfulfilled even though he achieved earthly greatness in all these areas! See then that you walk cautiously and not as a fool but with godly wisdom; redeeming the time because the days are evil. Move forward in the way God would have you to and at all times stand on the foundation of truth and righteousness of our Lord Jesus Christ.
Otherwise, you will have wealth without spiritual health, which is no good!!! At the end of his days Solomon was disappointed in all that he had and achieved and concluded that the entire duty of man is to love God and keep His commandments. Honoring the LORD is the beginning of wisdom and He instructs those who follow Him to true greatness. Learn biblical financial principles and commit to using them. You'll see positive and eternally successful changes overtake your life.
Please email any questions and pray for this ministry. May God bless you richly as you follow His plan!!!
Psalms 111:10, Proverbs 15:33, 16:9, Ephesians 5:15, 6:14
Please forward these bondage breaking articles to other people who can use helpful insight!!!
Saturday, January 30, 2010
MoneyWalk 44: In Jesus Christ you are prosperous
This program will help you undo financial bondage.
People who rebel against God are spiritually and eternally dead, but Jesus Christ gives living water when you repent of sin and ask Him, with all your heart, to be Savior and LORD. God gives the lonely a home to dwell in and leads prisoners to prosperity.
This salvation, which brings new life, can begin right now whether you’re driving your car or sitting at home. Jesus wants you to fulfill God’s purpose for your life, spiritually, eternally and naturally. That can happen only when you let Him guide you. Blessed is the man who walks not in the counsel of the wicked, nor stands in the way of sinners, nor sits in the seat of scoffers, but his delight is in the law of the Lord and on His law he meditates day and night.
He's the one who created you, filled you with a godly purpose, and called you out of darkness to be led by His marvelous light. Confess and profess to others your acceptance of His call and let me know about your decision. It’s the best decision you could ever make and all of God’s children will rejoice with the heavenly angels on your behalf. Folly is a joy to him who has no sense, but a man of understanding walks uprightly.
Let us consider how to stir up one another to love and good works, not forsaking to assemble yourselves together like some have done, but encouraging one another all the more as you see judgment day drawing nearer. You’ll become much more useful to God and others as you encourage and edify them by getting involved in church ministry and sharing your testimony of what God has done in your life spiritually, eternally, naturally, and financially.
Encourage yourself to godly works by using biblical principles to govern your life and financial affairs. You'll see positive changes accelerate your life when you commit to Christ’s stewardship commands. He came that you might have life and have it more abundantly.
Please email any questions and pray for this ministry. May God bless you richly as you follow His plan!!!
Psalms 1:1-6, 68:6, Proverbs 15:21, John 10:11, Hebrews 10:23-27
Please forward these bondage breaking articles to other people who can use helpful insight!!!
People who rebel against God are spiritually and eternally dead, but Jesus Christ gives living water when you repent of sin and ask Him, with all your heart, to be Savior and LORD. God gives the lonely a home to dwell in and leads prisoners to prosperity.
This salvation, which brings new life, can begin right now whether you’re driving your car or sitting at home. Jesus wants you to fulfill God’s purpose for your life, spiritually, eternally and naturally. That can happen only when you let Him guide you. Blessed is the man who walks not in the counsel of the wicked, nor stands in the way of sinners, nor sits in the seat of scoffers, but his delight is in the law of the Lord and on His law he meditates day and night.
He's the one who created you, filled you with a godly purpose, and called you out of darkness to be led by His marvelous light. Confess and profess to others your acceptance of His call and let me know about your decision. It’s the best decision you could ever make and all of God’s children will rejoice with the heavenly angels on your behalf. Folly is a joy to him who has no sense, but a man of understanding walks uprightly.
Let us consider how to stir up one another to love and good works, not forsaking to assemble yourselves together like some have done, but encouraging one another all the more as you see judgment day drawing nearer. You’ll become much more useful to God and others as you encourage and edify them by getting involved in church ministry and sharing your testimony of what God has done in your life spiritually, eternally, naturally, and financially.
Encourage yourself to godly works by using biblical principles to govern your life and financial affairs. You'll see positive changes accelerate your life when you commit to Christ’s stewardship commands. He came that you might have life and have it more abundantly.
Please email any questions and pray for this ministry. May God bless you richly as you follow His plan!!!
Psalms 1:1-6, 68:6, Proverbs 15:21, John 10:11, Hebrews 10:23-27
Please forward these bondage breaking articles to other people who can use helpful insight!!!
Monday, January 25, 2010
MoneyWalk 43: Should I pay taxes?
This program will help you undo financial bondage.
Some are teaching that the government has no right to collect taxes. One argument is that Christians do not have to pay taxes because they are free from the law of man. A similar argument is your allegiance is to God only and therefore you don’t owe the government anything you didn't borrow from it. Another argument is our elected officials have no right to enact laws requiring taxes because the constitution does not allow it. Another argument is taxes oppress citizens and therefore must be fought against at all costs and left unpaid if thrust upon you.
These arguments can seem rational to a carnal minded person, however when compared against bible instruction they are invalid. Jesus answered them all by saying, "Render unto Caesar the things that are Caesar’s and render unto God what is God's." He also instructed Peter to pay taxes for both of them and provided for the payment through miraculous means. Later the Apostles Paul and Peter, in their writings inspired by the Holy Spirit, instructed Christians to obey government rulers and to pay taxes because the government provides some important benefits for the welfare of the people.
Obeying government regulations applies to each situation that does not result in disobeying God’s commandment to worship Him, disciple believers, and evangelize the unsaved. It is true that a government could raise the amount of taxation to such an enormous level that it causes people to rebel against it. One of the early fights of our American forefathers was against taxation without representation. Yet, for the believer God is sure to provide those who follow His financial principles more than enough to pay taxes charged by the government.
Let’s be clear, it is not un-patriotic to take advantage of every legal option to reduce your taxes to the lowest possible level. Finding an honest accountant to complete your tax forms can help you in that endeavor and may help make sure that you are not paying any more than you absolutely have to pay. With some of the extra that is left over you should consider freely giving to help spread the gospel and meet needs of the poor, oppressed, orphans, and widows in various parts of the world.
Please email any questions. May God bless you richly as you follow His plan!!!
1Kings 12:12-16, Matthew 17:24-27, 22:17-22, Romans 13:1-8, 1Peter 2:13-17
Please forward these bondage breaking articles to other people who can use helpful insight!!!
Some are teaching that the government has no right to collect taxes. One argument is that Christians do not have to pay taxes because they are free from the law of man. A similar argument is your allegiance is to God only and therefore you don’t owe the government anything you didn't borrow from it. Another argument is our elected officials have no right to enact laws requiring taxes because the constitution does not allow it. Another argument is taxes oppress citizens and therefore must be fought against at all costs and left unpaid if thrust upon you.
These arguments can seem rational to a carnal minded person, however when compared against bible instruction they are invalid. Jesus answered them all by saying, "Render unto Caesar the things that are Caesar’s and render unto God what is God's." He also instructed Peter to pay taxes for both of them and provided for the payment through miraculous means. Later the Apostles Paul and Peter, in their writings inspired by the Holy Spirit, instructed Christians to obey government rulers and to pay taxes because the government provides some important benefits for the welfare of the people.
Obeying government regulations applies to each situation that does not result in disobeying God’s commandment to worship Him, disciple believers, and evangelize the unsaved. It is true that a government could raise the amount of taxation to such an enormous level that it causes people to rebel against it. One of the early fights of our American forefathers was against taxation without representation. Yet, for the believer God is sure to provide those who follow His financial principles more than enough to pay taxes charged by the government.
Let’s be clear, it is not un-patriotic to take advantage of every legal option to reduce your taxes to the lowest possible level. Finding an honest accountant to complete your tax forms can help you in that endeavor and may help make sure that you are not paying any more than you absolutely have to pay. With some of the extra that is left over you should consider freely giving to help spread the gospel and meet needs of the poor, oppressed, orphans, and widows in various parts of the world.
Please email any questions. May God bless you richly as you follow His plan!!!
1Kings 12:12-16, Matthew 17:24-27, 22:17-22, Romans 13:1-8, 1Peter 2:13-17
Please forward these bondage breaking articles to other people who can use helpful insight!!!
Monday, January 18, 2010
MoneyWalk 42: Managing Risk
This program will help you undo financial bondage.
You should utilize trustworthy financial advisors to help analyze your family’s need for different types of risk management tools. This should include discussion about how you can reasonably revise your budget to cover required payments or investment amounts and the various alternatives that exist.
If your finances are not in a position to purchase the tools you really need to protect your family, this is the perfect time to utilize your advisors to help develop a plan that will help you take action to put your finances in shape so that you can have more than enough money at some point in the future to fund the tools you really need.
No matter how much you are able to purchase, always stand on the fact that God will take care of you and give you peace through Jesus Christ to guard your heart and mind in situations you can't currently provide for or control. God is your only ironclad protection. However, never let this stop you from being a good steward who purchases the financial tools you can to help protect your family from the risks that everyone faces in this life.
Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!
Psalms 124, 127:1-2, Matthew 6:30-33, Philippians 4:6-7
Please forward these bondage breaking articles to other people who can use helpful insight!!!
You should utilize trustworthy financial advisors to help analyze your family’s need for different types of risk management tools. This should include discussion about how you can reasonably revise your budget to cover required payments or investment amounts and the various alternatives that exist.
If your finances are not in a position to purchase the tools you really need to protect your family, this is the perfect time to utilize your advisors to help develop a plan that will help you take action to put your finances in shape so that you can have more than enough money at some point in the future to fund the tools you really need.
No matter how much you are able to purchase, always stand on the fact that God will take care of you and give you peace through Jesus Christ to guard your heart and mind in situations you can't currently provide for or control. God is your only ironclad protection. However, never let this stop you from being a good steward who purchases the financial tools you can to help protect your family from the risks that everyone faces in this life.
Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!
Psalms 124, 127:1-2, Matthew 6:30-33, Philippians 4:6-7
Please forward these bondage breaking articles to other people who can use helpful insight!!!
Sunday, January 10, 2010
MoneyWalk 454: Forgiving helps you manage better
This program will help you undo financial bondage.
There are countless people I talk with who allow un-forgiveness to wreck their discipline. The consequences of un-forgiveness are that tormenters guide your actions (bad choices promoted by evil spiritual forces). Then, you seek revenge on others that consciously and unconsciously have you making bad decisions. Sometimes, you can’t forgive yourself for acts that you’ve done and you consciously or unconsciously make bad decisions. Both of these situations lead to overspending to either get back at someone or to try to appease the unpleasant feeling you have about what you or they have done to you.
Maybe a divorce is taking place and you don’t like that your spouse committed adultery, so you make the decision to spend whatever money you can get your hands on to try and take everything away from him/her instead of forgiving and settling the disagreement reasonably and amicably even when divorce proceedings occur.
Maybe you had an abortion sometime ago or had a baby out of wedlock and gave him/her up for adoption, so since that time you make decisions to spend money on every item you think you desire with the thought that it will appease that gut-wrenching feeling you’ve been having. Sometimes, overspending money has been an outright attempt to sabotage your life because you don’t believe you’re deserving of any blessings because of what you’ve done.
Forgiveness is the step you need to take to bring yourself to a place where you can be lead by the Holy Spirit. He will grow you by filling your heart and mind with God’s love for you regardless of your past sins or possible future blunders. Also, He will share how you now should walk to better your future and be a good steward. He does this through bible instruction, personal guidance, church fellowship, relationships with believers, and instruction from your pastor. In addition, He will fill you with power to do all this after you choose Jesus Christ as Savior and Lord.
This grace provides the foundation level of forgiveness you need. It also allows you to forgive yourself for your past, present, and future misdeeds. Also, it allows you to overcome all negative commentary from other people concerning your actions and their feelings about you and it simultaneously allows you to immediately forgive their trespasses against you. This forgiven condition of heart and mind allows you to move positively forward as a good steward of the manifold blessings of God. In addition, it reminds you that God’s blessings are available to you and are not based on your goodness or uprightness but rather on Christ’s unstained righteousness.
Now, you can be a person of discipline who can envision a blessed future, stop unwisely using debt instruments, budget your income and expenses to live within your means, and build future wealth for giving, saving, investing, and responsible spending.
Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!
Matthew 6:14-15, 18:21-35, Luke 6:38, 17:1-4, 2Corinthians 10:3-6
Please forward these bondage breaking articles to other people who can use helpful insight!!!
There are countless people I talk with who allow un-forgiveness to wreck their discipline. The consequences of un-forgiveness are that tormenters guide your actions (bad choices promoted by evil spiritual forces). Then, you seek revenge on others that consciously and unconsciously have you making bad decisions. Sometimes, you can’t forgive yourself for acts that you’ve done and you consciously or unconsciously make bad decisions. Both of these situations lead to overspending to either get back at someone or to try to appease the unpleasant feeling you have about what you or they have done to you.
Maybe a divorce is taking place and you don’t like that your spouse committed adultery, so you make the decision to spend whatever money you can get your hands on to try and take everything away from him/her instead of forgiving and settling the disagreement reasonably and amicably even when divorce proceedings occur.
Maybe you had an abortion sometime ago or had a baby out of wedlock and gave him/her up for adoption, so since that time you make decisions to spend money on every item you think you desire with the thought that it will appease that gut-wrenching feeling you’ve been having. Sometimes, overspending money has been an outright attempt to sabotage your life because you don’t believe you’re deserving of any blessings because of what you’ve done.
Forgiveness is the step you need to take to bring yourself to a place where you can be lead by the Holy Spirit. He will grow you by filling your heart and mind with God’s love for you regardless of your past sins or possible future blunders. Also, He will share how you now should walk to better your future and be a good steward. He does this through bible instruction, personal guidance, church fellowship, relationships with believers, and instruction from your pastor. In addition, He will fill you with power to do all this after you choose Jesus Christ as Savior and Lord.
This grace provides the foundation level of forgiveness you need. It also allows you to forgive yourself for your past, present, and future misdeeds. Also, it allows you to overcome all negative commentary from other people concerning your actions and their feelings about you and it simultaneously allows you to immediately forgive their trespasses against you. This forgiven condition of heart and mind allows you to move positively forward as a good steward of the manifold blessings of God. In addition, it reminds you that God’s blessings are available to you and are not based on your goodness or uprightness but rather on Christ’s unstained righteousness.
Now, you can be a person of discipline who can envision a blessed future, stop unwisely using debt instruments, budget your income and expenses to live within your means, and build future wealth for giving, saving, investing, and responsible spending.
Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!
Matthew 6:14-15, 18:21-35, Luke 6:38, 17:1-4, 2Corinthians 10:3-6
Please forward these bondage breaking articles to other people who can use helpful insight!!!
Sunday, January 3, 2010
MoneyWalk 41: Trusting God to cover loss
This program will help you undo financial bondage.
Only God can truly help your family recover from incidents, emergencies, and catastrophes. Yet, it’s prudent to consider insurance a portion of your plan to cover future risk in various areas of your life. Determine your need for insurance based on the costs you or your family will truly need to cover when incidents occur. For example, consider whether or not you have enough income or assets to cover the costs that you will incur if a family member is injured or needed property is damaged. You should also consider whether or not you could self-insure a portion of the risk by saving enough within a short period of time to cover the costs.
For example, if you drive a car that's worth $1,000 and the physical damage coverage would cost $500 per year, it may be best to purchase only liability coverage because you have a much higher probability of amassing within a reasonable amount of time the amount of money than your car is worth or that is likely to be needed to make repairs than you have of being involved in an accident that requires you to pay $1,000 for damage to your vehicle.
However, if the cost for the physical damage insurance is low, say $50 per year with a low deductible and you do not currently have enough assets amassed to purchase another vehicle or make needed repairs when damage occurs, you may want to purchase the coverage and work out a budget for saving so that in the future you could self-insure the physical damage risk.
You would not want to treat liability coverage, health, or disability coverage in this same manner because you cannot know finitely what your exposure may be until an incident or diagnosis is received. Yet, you can work with financial professionals, insurers, and their representatives to identify the lowest cost options that will fit your financial situation and help protect your family and finances.
If you have saved enough money to provide your dependents an annual income that equals or exceeds your current income, you may not need to purchase life insurance unless your family will have extenuating circumstances such as estate tax payments or liquidity problems that will not allow inherited assets to provide the level of income necessary to continue the family’s current lifestyle. Again, you should seek the guidance of financial, insurance, and legal counsel to make sure you have covered all the bases to make the right decision for your family and finances.
Just remember, insurance purchases are always based on an uncertain future and estimates and thus benefits you choose may not cover all that you truly need when incidents, emergencies, or catastrophes occur. Therefore, after having done all that you can to reasonably prepare for the future by seeking His guidance through godly counselors and taking the actions you need to take, put your total trust in God that He will cause all things to work together for good in every situation that you will face.
Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!
Psalms 124, 127:1-2, Matthew 6:30-32, Philippians 4:6-7
Please forward these bondage breaking articles to other people who can use helpful insight!!!
Only God can truly help your family recover from incidents, emergencies, and catastrophes. Yet, it’s prudent to consider insurance a portion of your plan to cover future risk in various areas of your life. Determine your need for insurance based on the costs you or your family will truly need to cover when incidents occur. For example, consider whether or not you have enough income or assets to cover the costs that you will incur if a family member is injured or needed property is damaged. You should also consider whether or not you could self-insure a portion of the risk by saving enough within a short period of time to cover the costs.
For example, if you drive a car that's worth $1,000 and the physical damage coverage would cost $500 per year, it may be best to purchase only liability coverage because you have a much higher probability of amassing within a reasonable amount of time the amount of money than your car is worth or that is likely to be needed to make repairs than you have of being involved in an accident that requires you to pay $1,000 for damage to your vehicle.
However, if the cost for the physical damage insurance is low, say $50 per year with a low deductible and you do not currently have enough assets amassed to purchase another vehicle or make needed repairs when damage occurs, you may want to purchase the coverage and work out a budget for saving so that in the future you could self-insure the physical damage risk.
You would not want to treat liability coverage, health, or disability coverage in this same manner because you cannot know finitely what your exposure may be until an incident or diagnosis is received. Yet, you can work with financial professionals, insurers, and their representatives to identify the lowest cost options that will fit your financial situation and help protect your family and finances.
If you have saved enough money to provide your dependents an annual income that equals or exceeds your current income, you may not need to purchase life insurance unless your family will have extenuating circumstances such as estate tax payments or liquidity problems that will not allow inherited assets to provide the level of income necessary to continue the family’s current lifestyle. Again, you should seek the guidance of financial, insurance, and legal counsel to make sure you have covered all the bases to make the right decision for your family and finances.
Just remember, insurance purchases are always based on an uncertain future and estimates and thus benefits you choose may not cover all that you truly need when incidents, emergencies, or catastrophes occur. Therefore, after having done all that you can to reasonably prepare for the future by seeking His guidance through godly counselors and taking the actions you need to take, put your total trust in God that He will cause all things to work together for good in every situation that you will face.
Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!
Psalms 124, 127:1-2, Matthew 6:30-32, Philippians 4:6-7
Please forward these bondage breaking articles to other people who can use helpful insight!!!
Sunday, December 27, 2009
MoneyWalk 40: More on retirement
This program will help you undo financial bondage.
From everlasting, the LORD worked to create everything and set the spiritual and natural realm in motion. Then, He commanded man to work in order to be fruitful; cultivate the soil, raise animals, and engage physical and mental labor in many ways. Adam and Eve’s worship, including their work, was totally enjoyable.
After man chose to sin, he and his seed would eat by the sweat of his brow. Though work would still be enjoyable in many ways the deteriorating conditions that sin caused man to live in on earth would seem to make work more physically and mentally demanding and in some instances unpleasant.
From the time that Adam disobeyed God’s command, the perfect communion they had has been broken for all mankind and man might now choose work that was not meant for him to do in fulfilling the purpose for which God made him. Though he might choose the right line of work, he might also have unclean motives, attitudes, and actions or utilize the fruit thereof for purposes that were not intended.
There is a truth about work that remains constant from the perfect beginning until now and into the saints’ everlasting future; a person will always be fulfilled and thus have peace and joy when working as unto the LORD in the calling whereunto he is called by God. The word of God spoken through King Solomon and the Apostle Paul confirm that the diligent person shall be made fat (have everything that he /she needs to complete his /her purpose on earth) and that a person who doesn't work (is lazy / irresponsible) will not eat (won’t have what is necessary for fulfillment or comfort on earth)!
There is an abundance of scripture confirming that you should engage work (both physical and mental) for as long as you live. Total abstinence from work is not healthy for your body and mind. Lack of challenging work and daily regimen can bring about sickness, mental illness, and premature death. Therefore, God gives you work to accomplish everyday you’re alive: physical labor (for producing income, wealth, and gifts), physical and vocal worship, praise, prayer, bible and vocational study, service to saints and unbelievers, fellowship / hospitality, exercise, etc.
Also, there is an abundance of scripture telling you to stay away from lazy / idle / irresponsible attitudes and behavior at all stages of life. Yet, godliness does not prohibit you from moving from one type of work to another as need or ability arises, unless you would engage in a type that is unholy according to scripture or that violates His will directly spoken to you. Thus, you are not prohibited from taking retirement from a current employer or business as long as you are mindful that you should engage reasonable work in another capacity. All types of work are worship and godly service (ministry) when they are committed to the Lord and engaged with His purpose in mind.
Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!
Genesis 1:28, 2:1-3, Proverbs 10:4-5, Luke 12:16-31, 2Thessalonians 3:7-11
Please forward these bondage breaking articles to other people who can use helpful insight!!!
From everlasting, the LORD worked to create everything and set the spiritual and natural realm in motion. Then, He commanded man to work in order to be fruitful; cultivate the soil, raise animals, and engage physical and mental labor in many ways. Adam and Eve’s worship, including their work, was totally enjoyable.
After man chose to sin, he and his seed would eat by the sweat of his brow. Though work would still be enjoyable in many ways the deteriorating conditions that sin caused man to live in on earth would seem to make work more physically and mentally demanding and in some instances unpleasant.
From the time that Adam disobeyed God’s command, the perfect communion they had has been broken for all mankind and man might now choose work that was not meant for him to do in fulfilling the purpose for which God made him. Though he might choose the right line of work, he might also have unclean motives, attitudes, and actions or utilize the fruit thereof for purposes that were not intended.
There is a truth about work that remains constant from the perfect beginning until now and into the saints’ everlasting future; a person will always be fulfilled and thus have peace and joy when working as unto the LORD in the calling whereunto he is called by God. The word of God spoken through King Solomon and the Apostle Paul confirm that the diligent person shall be made fat (have everything that he /she needs to complete his /her purpose on earth) and that a person who doesn't work (is lazy / irresponsible) will not eat (won’t have what is necessary for fulfillment or comfort on earth)!
There is an abundance of scripture confirming that you should engage work (both physical and mental) for as long as you live. Total abstinence from work is not healthy for your body and mind. Lack of challenging work and daily regimen can bring about sickness, mental illness, and premature death. Therefore, God gives you work to accomplish everyday you’re alive: physical labor (for producing income, wealth, and gifts), physical and vocal worship, praise, prayer, bible and vocational study, service to saints and unbelievers, fellowship / hospitality, exercise, etc.
Also, there is an abundance of scripture telling you to stay away from lazy / idle / irresponsible attitudes and behavior at all stages of life. Yet, godliness does not prohibit you from moving from one type of work to another as need or ability arises, unless you would engage in a type that is unholy according to scripture or that violates His will directly spoken to you. Thus, you are not prohibited from taking retirement from a current employer or business as long as you are mindful that you should engage reasonable work in another capacity. All types of work are worship and godly service (ministry) when they are committed to the Lord and engaged with His purpose in mind.
Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!
Genesis 1:28, 2:1-3, Proverbs 10:4-5, Luke 12:16-31, 2Thessalonians 3:7-11
Please forward these bondage breaking articles to other people who can use helpful insight!!!
Subscribe to:
Posts (Atom)
