The Promotion You Want

This program will help you undo financial bondage.

Be committed to God's money management principles, don't be envious of other people's promotions, and keep doing what the bible shows will glorify God and serve other people and God will bring many promotions to bless you and your family throughout your life. Some will ultimately come through other people, yet many will come simply as positive consequences (rewards and blessings) of following biblical principles.

You’re right to think your employer should appreciate your hard work. However, you can't make your employer respond with appreciation and unfortunately many will not respond in the way you want them to or the way they should. At most, you can influence your employer by godly actions and responses while relying on the LORD to promote you at the proper time.

He can move on your employer’s heart at the appropriate time. Therefore, you should trust Him and exhibit patience by allowing Him to work in your supervisors’ hearts without you trying to force the issue. Simply continue to do the great work that you do, show proper respect for their workplace authority, and show continued initiative and creativity toward enhancing products and services. In due time, your employer will see your true value to the organization.

Sometimes, you fail to see the promotion you have received because you’re only considering what you believe man should have done for you or you think you should've received a larger raise or should have been give a certain prestigious title or a corner office. Remember that promotions come in many different forms and are sometimes not so easy to see.

I know many people whom God showed how to manage their incomes according to biblical principles long before their supervisors began to promote them at work. In a few short years they eliminated all debts including their home mortgages and were well on their way to becoming wealthy way beyond what they could naturally envision a few years earlier. Some moved on to start successful businesses. During this time, those they thought should have been instrumental in promoting them didn’t do anything special for them. They were in reality promoted by the Lord due to their willingness to properly manage the money and relationships He entrusted to them.

The Lord’s promotion process stores treasures in Heaven that you have access to when you need them or when He desires to give them to you. Don't think more highly of yourself than you ought to! God has the master plan for your life and He's more pleased and you have more peace and joy when you follow His plan. You can only obtain the greatest treasure by working as unto the LORD in your current position, using biblical money management principles, and being patient as the Lord makes room in the marketplace for your gifts.

Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!

Psalms 75:6-10, Proverbs 3:35, Daniel 4:30-35, 1Peter 5:6-7

Please forward these bondage breaking articles to other people who can use helpful insight!!!

You can find books authored by Randy and Karen Parlor at www.Amazon.com.

MoneyWalk 157: The Most Rewarding Lifestyle

This program will help you undo financial bondage.

Honor God by living according to biblical principles, if you want a financially peaceful, joyous, and blessed life with treasure in Heaven awaiting you.

1) Understand that everything is owned by God and you are only a manager and heir of His great estate.

2) Show contentment with what God has provided you to manage by being humble and grateful and by refusing to get involved with get rich quick schemes and attempts to get rich through immoral behavior or at any cost.

3) Show self-control by making God’s will the priority in your life and management of money.

4) Sacrifice your own desires to pleasing the One for whom you manage and faithfully endure hardship when needed to bring about His will in the earth. 5) Fellowship with a local church at least weekly and be faithful to God through interaction with that body.

6) Work diligently at every earthly job or career that you engage, so that a great witness and disciple-making ability is available to you when others ask the reason for your hope.

7) Tithe and give abundant offerings.

8) Budget your spending so it is less than your income and to prioritize needs versus wants.

9) Stay out of debt and eliminate the debt you have.

10) Refuse to cosign for other people’s debts: even family.

11) Save a reasonable portion of your income each pay period in a way that attempts to protect the principle amount up to six months worth of income.

12) Invest your excess savings in a way that takes greater but reasonable risk, in which you might lose some principle over short-term periods but will have great expectation of much higher growth of the money than you could obtain through your saving accounts; by measuring historical data of various types of investments that verify the probable long term growth pattern.

13) Diversifying your money by dispersing your savings and investments with several different FDIC or NCUA insured banks and credible brokerage houses that you confirm with state and federal finance and securities regulators as duly licensed with no notable fraudulent or troubling pattern of investment or customer service behavior. Also, make sure that agents, investment advisors working for them have the same credible licensing and behavior.

The bible shows that worthwhile blessing and reward are only obtained by faithfully keeping God's commandments. Such blessing and reward are available to every person who asks Jesus to be Savior and LORD and who honors God by letting good works be the result of his faith.

From the foundation of the world, God planned the pathway for people to be abundantly blessed and rewarded in a way that every need and many desires would be met. This comes when you give God respect by living in a way that is pleasing to Him. The bible makes it emphatically clear that ‘blessed is the nation whose God is the LORD!’ The same is just as true in your own life in that ‘blessed are you when God is your LORD!’

Don’t treat material things, passions, and the pursuit of privilege and honor like they're gods by giving them the importance and attention you should give to almighty God. Such things, passions, and pursuits cannot truly fulfill you or provide what is best for your life and family. For your eternal and earthly sake, it is best to rely on God's principles to secure blessing and reward.

Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!

Proverbs 3:5-10, Malachi 3:6-12, Matthew 6:25-34, Luke 6:38

Please forward these bondage breaking articles to other people who can use helpful insight!!!

You can find books authored by Randy and Karen Parlor at www.Amazon.com.

MoneyWalk 156: Give Abundantly In Order To Receive Abundantly

This program will help you undo financial bondage.

Weekly giving a tithe and offering to your local church is the way to make the Lord’s desire a priority in your life. In order for this to be ignited in you, the first thing you must do is confess with your mouth and believe in your heart that Jesus Christ is your Savior and Lord. Then, giving abundantly in order to help get the gospel message to other people show that your priority is the Lord’s will.

Jesus was a giver in every way and He taught that people should have all the other righteous qualities such as justice, mercy, and faith and not use those qualities as an excuse for failing to give as instructed. So, if you really want to be like Him you must apply His teaching to your life. Not in words, but in deeds.

Let’s be perfectly clear, you ought to give your life to Christ and you ought to trust Him to provide in every situation. He is sure to give you everything that you truly need for life and godliness. As you fix your hand to give abundantly, you begin to see the result of such giving. It begins to produce for you an abundant and continual receiving. You did not have to pray for it, search for a prophecy to get it, or pursue it through hook and crook. His word simply states the result of abundant giving is abundant provision.

You see your posture must be to give the tithe and offering in Christ-likeness and humility and be content with what you currently have. When you do, His posture shows up in your life through the operation of the giving/receiving principle He laid down. You will receive abundantly. You can expect that He is always faithful to fulfill His Word! You should never be demanding of Him or have a greedy, envious, or covetous heart when approaching other people. If He truly is your Lord, and you give like He is, then He will take care of all your need.

I am a living witness and I know countless others who tell the same story. I searched the bible for answers to financial problems that hampered me throughout my twenties and the Holy Spirit led me to passages which confirmed that God uses methods that seem foolish. Then He amazes onlookers with the results.

I know a man who was raised in the hood, without a silver spoon in his mouth, whose parent did not teach him to build wealth. He forsook the will of God for a decade and got himself into $135,000 of debt. He realized he was lost eternally and accepted Christ into His life, yet was still burdened with great debt. He searched for financial solutions in the world and they did not work for him. He came across biblical money management principles via a financial seminar held by His church.

In his late twenties, he began utilizing the principles one by one once he confirmed that they were biblical instruction. The results in his life have been astounding for this man of low estate. Sixteen years after making God’s financial plan his financial priority, he gives over 25% of his gross income to the church and he lives totally debt free in comfort on 35% of his gross family income, paid his home mortgage off in thirteen years, has a net worth approaching a million dollars, is legally paying an extremely low amount of taxes due to legal charitable giving deductions, and he is able to give to those in need in ways and amounts he never could have given in the past.

As you commit to consistently give the tithe and offerings, the discipline it builds will produce abundance in your life and you will wind up continually reaping the harvest of the seeds you have sown. Remember, this principle works in the opposite direction also. If you don’t abundantly give to fulfill His purposes, then you cannot expect to abundantly receive from God!

Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!

Proverbs 3:9-10, 11:24-26, 19:17, Matthew 23:23, Luke 6:38, 2Corinthians 9:6-8

Please forward these bondage breaking articles to other people who can use helpful insight!!!

You can find books authored by Randy and Karen Parlor at www.Amazon.com.

MoneyWalk 155: To Co-Sign Or Not To Co-Sign, That Is The Question

This program will help you undo financial bondage.

When you’re approached by family and friends about co-signing, tell them “NO” and continue to pray for strength to be wise according to God’s Word and that they will see and act upon God's money management principles in the future so they can receive the great benefits produced by following them.

If you've already cosigned on a loan for someone by using your credit card or by signing a note that says you'll pay the loan amount if he or she is unable to, then you need to run to the lending institution and work on a way to get out of that arrangement as quickly as possible. If you can't get off the loan, pray real hard that the person makes all the required payments on time and pays the debt off early. If he doesn't, you're on the hook! So, realize that you will have to take over the monthly loan payments the moment he or she stops paying them.

If you don't currently have enough savings stashed away to cover the loan amount, revise your budget to eliminate unnecessary spending so you can save as much as possible in case this unfortunate but highly likely scenario occurs. In the future, refuse to co-sign for anyone. Learn to say “no” to such requests and really mean it! If there is a legitimate need that cannot be fulfilled in some other way, then give the family member or friend what you have in available cash (savings) that is not targeted at meeting an obligation that you have to meet and that you willingly want to give.

Many times people that ask you to co-sign could take initiative to resolve their situation without asking you to take on their debt. However, they don’t see the picture clearly or they simply want to use a way that appears easier for them. For example, the person could get up earlier to catch the bus to work instead of asking you to co-sign for a car note. Or, the person could purchase a less expensive engagement ring for their fiancé instead of asking you to co-sign for a more expensive ring. Or, the person could rent, pay off debts, and begin to save for a 20% down payment on a home instead of asking you to co-sign on a home loan.

This lesson is not to discourage from giving to meet true needs. Christians should be givers and lend themselves to abundantly funding gospel ministry and helping the poor. Pursuant to biblical instruction, I am instructing you to stay away from promising to cover debts taken by other people when you don’t currently have far more than enough money to cover the entire debt because the history shows that most of them, at some point not too long after you cosign, will ultimately refuse or be unable to complete their promise and commitment to paying the debt. Co-signing will set you up for a financial fall that you could have and should have avoided.

Stop cosigning for family and friends to get things they can't afford to pay cash for. The best way to help most people and ensure your long-term financial health is to give them available cash when a true and verified need arises in their lives. Then encourage them to use biblical principles to manage their money and desires, so their needs can be met.

Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!

Proverbs 11:15, 17:18, 20:16, Romans 13:8, Ephesians 5:15-17

Please forward these bondage breaking articles to other people who can use helpful insight!!!

You can find books authored by Randy and Karen Parlor at www.Amazon.com.

MoneyWalk 154: A Budget Is Essential

This program will help you undo financial bondage.

Many people think budgeting is unnecessary, however the vast majority of people who do not budget tend to be in poor financial condition and the other few will likely come into a bad financial condition at some point in their lives because they fail to currently employ this principle. Some financial advisors proclaim that budgeting is unnecessary, but we find they actually teach budgeting when we look deeper into their instructions.

They often call it by another name such as spending plan, income / expense plan, etc. For example, one financial advisor said he doesn’t budget rather when he receives his income, he immediately sets aside a percentage to pay expected taxes, puts ten percent into a savings account and ten percent into an investment account. Then, he spends no more than what is left and repeats the process when he next receives income.

Well, that is budgeting. It’s a principle for which there are various methods to carry it out. It can be intricate or simple. Generally, the more creditors you have the more intricate it will have to be to navigate the maze and this is what causes many to ultimately slip and fall into financial turbulence and ruin. That is why you want to engage debt-freedom, so you can have a simple budget that helps you keep life in perspective and weather every storm that will eventually come your way.

Scripturally speaking, the underlying parameter is the same no matter which method is used. You should have a written plan to spend far less than your income and identify necessary alterations to your lifestyle and spending habits to eliminate all your debts.

In the end analysis, any good business or personal financial situation relies on budgeting in order to get on, stay on, and grow on a secure foundation. The method that we employ and encourage entails the following.

1. List all your net monthly income. This is gross income minus taxes paid and owed to governments and other costs that will be payroll deducted by your employer and which you do not have access to spend (health care, union dues, etc.).

2. Subtract the tithe and offering.

3. List all your monthly bills. Bills due more often and less often than monthly should be re-calculated to an amount equal to a monthly payment.

4. Now, subtract all monthly payments from your net monthly income.

The remaining balance shows whether you expect to have a surplus or deficit. If money remains (a surplus) then you can divvy it up to spend on household needs, personal items, savings, and investments. When money is lacking to pay all of your current monthly payments (a deficit), then you must look at every option possible for immediately reducing monthly expenses to get you to a financial situation where all your needs can be provided. Otherwise, you will continue to create greater financial problems in your life.

A deficit points you to one or more options to help eliminate it. First and foremost and always necessary is seeking God’s will in praise, worship, and prayer so the supernatural power of God will provide where human effort cannot. Second is making expense and spending reductions. This includes calling creditors to work out debt-forgiveness and better payment arrangements. Third is finding work (overtime, a new job, a second job, or a no cost or very low cost entrepreneurial endeavor) that increases your income to a point well beyond your expenses in order to more quickly get out of debt and begin the wealth building process.

When things are so tight you cannot pay all of your debts it is important to properly prioritize. Honor the Lord in your giving and only make monthly payments for mortgage / rent and necessary transportation to and from work. Money left over should be saved to build up a six-month emergency fund from which you can take care of emergencies that arise and later negotiate debt payoffs. In some instance you may have to trade in the expensive home and car for something more reasonable for your current situation in order to right your ship. Food and clothing are important however most people have more than enough to make it through a rough financial period or can obtain it free form local food banks, thrift stores, churches, friends, and family.

Short-term and long-term planning of anticipated income and expenses is vital to your financial well-being because it lets you know what you can reasonably purchase now and months into the future. A deficit lets you know there is a financial problem that needs correction and a surplus lets you know there is money left over that must be managed correctly in order to engage and complete the commission He assigned to the body of Christ and to you.

Budgeting is equivalent with knowing the state of your flocks and herds so your wealth can endure beyond your generation. Diligence in mapping out your financial future month-to-month and year-to-year is what it takes to repair damaged finances and maintain good financial health.

Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!

Proverbs 27:23-27, Habakkuk 2:2-4, Luke 14:28-32, Philippians 4:11-13

Please forward these bondage breaking articles to other people who can use helpful insight!!!

You can find books authored by Randy and Karen Parlor at www.Amazon.com.

MoneyWalk 152: The Blessing of Balance

This program will help you undo financial bondage.

Good money managers organize their lives to know when bills are due and how much is owed and they pay their bills on time. They also immediately record checking deposits and withdrawals and balance their checkbooks every month to ensure that they are able to pay future bills and that money is not illegally taken from them by financial institutions and thieves. Godly stewards also listen to the voice of the Lord to understand how He would have them give, save, and spend within the boundaries of what the bible in general says about the focus that Christians should have and maintain throughout their lives.

In order to have a healthy financial life, you must organize your life to know the state of your income and expenses. The quickest way to do this is to keep your checkbook balanced each month. Also, you must develop a budget (an income giving, spending, and saving plan). In addition, you must do the best you possibly can to ensure that your expenses do not exceed your income in any given month and that you have assets to cover shortfalls in the few months that this might be the case due to unexpected periods of unemployment.

You should not purchase any products or services using credit when you do not already have more than enough money to pay off the account immediately. If you don’t have cash on hand right now to buy it, then you should forego the purchase and allow God to supernaturally bring it to you free of charge (if you really need it) or in a way that will not lead to possible financial bondage if your income producing projections don’t work out like you envisioned.

The first entry in your monthly budget should be to set aside at least ten percent of your income (the tithe) and give it to your local church where you receive your spiritual food, fellowship, and discipleship. If you don’t have a church, you need to find a bible believing church and allow the Holy Spirit to plant you in that local representation of Christ’s body. When you forsake the regular assembly of believers you cannot be truly fulfilled and prosperous no matter how much money you make or assets you have.

Your God-given purpose is intertwined with fellowship and discipleship within a local expression of the body of Christ. Thus, interacting with leaders and members within your local church and other believers, you are called to make ministry service (evangelism and discipleship of others) the priority in your life that guides every other endeavor you pursue (career, friendships, recreation, education, business, etc.).

Next, your month to month budget and checkbook should display that you firmly resolve not to spend more than your gross income minus your tithe, taxes, and reasonable savings. If necessary, you must resolve to work extra for a short time or create a no or low cost income producing opportunity in order to eliminate current debts, create no further debt, and to put away an emergency fund of at least one month of income as soon as possible.

Then, after you have paid of all non-mortgage debt using the debt snowball or top down highest interest, lowest balance payment method you should seek to save at least six months of income. The emergency savings strategy will help you avoid situations where you would otherwise put more charges on credit accounts in order to cover what you perceive as emergency situations. This strategy will help you stop reverting back to the old undisciplined financial pattern that left you broke, disgusted, and not to be trusted!

Finally, after you have eliminated all your debt and built your emergency savings fund you should begin to put monthly savings that would take you over the six month income level into no-load investments (no sales charges – front or back end) in your 401k, 403b, 457, Roth IRA, or in an investment account with a major brokerage such as Vanguard, Fidelity, etc (hopefully, in tax deferred accounts as much as possible). It is best to put this on automatic pilot by having the contribution taken directly out of your paycheck or checking / savings account each month so that you don’t fail to write a check to deposit the amount and so you won’t be tempted to spend the money on a material item that will be forgotten or unused after it is purchased.

Once you’ve followed the above described financial path, you’ll begin to accumulate assets at an astounding rate and the power of compounding interest over the next 10, 20, and 30 years will exponentially expand your investments. You will begin to live the biblical instruction, “be fruitful and multiply…and have dominion over the Earth!” The biblically-based organization that you follow and the increased income and assets that God entrusts to you will allow you take dominion in every area of life, such as properly caring for your family, tithing to your local church, funding missions in your community and around the world, funding ministries that you are directly and physically involved in, helping the poor, widows, and oppressed, etc.

This wealth building scenario will not likely happen for you if you are not committed to living out God’s debt-free plan. You must forsake the temptation to create monthly bills that add up to an amount that is greater than 50% of your gross income. Setting your spending bar at this level will save you more financial trouble than you can imagine and allow you to carry out your abundant giving and wealth building financial plan.

Again, allow God to bless you with products and services you need that you can't pay cash for right now. If God doesn't bless you with them, then you don’t really need them. Continue to have patience with God’s financial plan and you’ll soon find that you can get not only what you need but many of your desires because you have delighted yourself in Him spiritually and financially. When your life is balanced in this way, abundant blessings cannot help but be poured out on you in due time.

Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!

Proverbs 27:23-24, Isaiah 55:10-11, Luke 14:28-32, 2Corinthians 9:10-12

Please forward these bondage breaking articles to other people who can use helpful insight!!!

You can find books authored by Randy and Karen Parlor at www.Amazon.com.

MoneyWalk 153: Prosperity Is Here: Grab It!

This program will help you undo financial bondage.

When you engage a relationship with Jesus Christ you prosper eternally by receiving salvation from God’s judgment that would otherwise bring punishment against unrepentant sin. Increasingly, your life will also prosper on earth as your heart, mind, and actions are progressively centered on following biblical instructions.

You cannot escape the flames of Hell by being rich, middle class, poor, having good works, great character, or displaying integrity on earth. The only thing that saves you is having faith in Jesus Christ, which covers and fills you with His righteousness. You have no righteousness of your own that can be worked up or attained through human effort. Your rightness is as filthy rags. Jesus Christ is the only person who is sinless that can stand as atonement for your sin. He is resurrected unto eternal life that you might be made the righteousness of God in Him when you verbally and in your heart accept Him as your Savior and Lord.

He also holds all the resources in His hands to resolve your problems (financial and otherwise). As a child of the King, you have access to His treasures when you need them. Salvation secures you for eternity and sanctification cleans you up for positive things to happen while you’re on earth.

When you put your life in Jesus' hands, satan cannot have victory over you. Satan was created by God and only has power given to him by God. Do not mistakenly believe that he and God are equals battling it out for control over Heaven and Earth. It is not so!

The bible shows that satan has no power to destroy you and lead you to his final resting place (Hell), unless you let him by refusing to give your life to Jesus. Having a relationship with Jesus Christ and living according to His instruction is the plan God created for man, so that man could escape the eternal danger that having a free-will presents. So, choose Jesus and thus choose life! Abundant blessing and reward accompany that relationship.

Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!

Psalm 37:9, Psalm 71:5, Colossians 1:3-14, 1Peter 5:8-10

Please forward these bondage breaking articles to other people who can use helpful insight!!!

You can find books authored by Randy and Karen Parlor at www.Amazon.com.

A Refresher On Biblical Financial Principles

This teaching will help you undo financial bondage.

The first five principles are connected to the whole of your life, not just how you manage money. They should be a foundation for how and why you decide to do anything in life. They allow you to accomplish much, be very successful in your endeavors, and please God when incorporated with other actions like praying, studying the bible, listening to the voice of the Holy Spirit within you, fellowshipping with believers (attending church regularly), and before making major decisions getting the input of a group of counselors that believe in Jesus Christ and who seek to do His will. These principles help you fulfill the purpose for which God created you.

1) Understand that God owns everything: we are only managers of His estate. God is, always was, and always will be. He is the creator of all things including you, yet He is so gracious to allow you to live in His presence and receive His blessing. You have a choice to live with Him or live without Him. At the end of your days on Earth your choice becomes an eternal one. His desire is that you would choose to live with Him living and acting according to His instruction and guidance confirmed by biblical principle.

2) You are to do good works – those that are God pleasing. This involves working to earn money and obtain resources to take care of yourself and family by producing and selling widgets and/or service. It also includes engaging with the Church to be a witness of Jesus Christ to people around you and in other parts of the world and in some instances to help meet people’s physical needs (food, clothing, shelter, etc.).

3) Be content. Choose delayed gratification instead of instant gratification. Do not buy that bigger house, more expensive car, new furniture, new jewelry, etc. until you have reached the priority goal of being a faithful tithing member of a local church and totally debt-free. Stuff to buy will still be there at prices you can afford to pay after you reach your goal.

4) Show self-control This is a fruit of the Spirit mentioned in Galatians 5, which along with the other eight fruit shows that we walk in the Spirit and not according to the flesh. Pleasing God is the ultimate goal and can only be displayed by living according to His commands. You must learn to be obedient to biblical principles in order to control your fleshly appetite and put the focus back on fulfilling His purpose for your life. This will help produce wealth in a way that is pleasing to God without compromising your relationship with Jesus Christ.

5) Be willing to sacrifice. Delaying gratification results in great benefits accruing to you in the long-run because is replaces short-term pleasure for long-term financial soundness and helps keep you out of financial trouble.

6) Tithe and give offerings and alms to your local church and other worthwhile ministries and charities. Continue or start tithing to your local church or a worthwhile ministry each time you receive income. In addition, give offerings and alms to join with fellow believers in serving those in need.

7) Budget your income and expenses for at least a few months ahead. A number of free resources exist on the internet to help you craft a 3 to 6 month plan that shows:

a) Your after tax income each pay period

b) The tithe and offering to be subtracted from take home pay

c) Each minimum bill payment that must be paid from that pay period’s income (mortgage, rent, credit cards, car note, etc.)

d) Other miscellaneous amounts that must be taken from the income (groceries, personal money, gas for car, monthly amount of annual property tax payment, monthly amount of annual home and car insurance premium, monthly amount of annual life insurance payment, 2 or 3 low cost weekend vacations each year, low cost monthly entertainment, etc.), and

e) Any amount left over. If there is nothing left over then you will need to work with your spouse and a close friend who is good at managing his or her money or a budget counselor to determine ways in which you can cut current expenses, determine which bills receive priority for payment at the current time, or find other jobs that can help increase your income for awhile to get you out of the rut you are in.

8) Refuse to accumulate more debt and eliminate current debt. The borrower is servant to the lender and thus God does not want His people to be in debt because it often causes people to make bad decisions and move away from God’s purpose for their lives and bring troubles upon them and their families. His desire is that you owe no man anything but love.

9) Refuse to cosign for the debts of other people. You will not help other people live in the responsibility God desires for them and you will bring financial trouble upon yourself by eventually being on the hook for paying the bills of irresponsible people.

10) Save in an emergency reserve account, so that you have resources to help care for needs during rainy days. A wise man stores a portion of his resources to meet future material needs, but a foolish man immediately spends everything he gets. You need a rainy day fund to help you overcome bad economic cycles that will occur throughout your life.

11) Invest excess disposable income to accumulate greater return. God desires that you be like the servants in the Parable of the Talents and the Parable of the Minas who went about trading (investing) the assets He had given them in order to multiplying them for greater use for His glory.

12) Diversify your savings and investments so that all your eggs are not in the same basket. Scripture instructs you to give a portion to seven or eight because you do not know what troubles may come upon the Earth. It also instructs you to seek safety in the multitude of counselors. When all eggs are in the same basket they tend to all be destroyed by one person’s malfeasance, but when they are in different baskets one person’s malfeasance does not destroy the wealth God intends for you to manage.

Following the above principles by the leading of the Holy Spirit will help you get to the point of debt-freedom and wealth building where you will multiply the money that the Lord entrusted to you; some 30, some 60, and some 100 fold.

Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!

Revelation 4:11, 1Timothy 6:9-17, Matthew 23:23, Hebrews 7:8, Habakkuk 2:2-4, Proverbs 21:20, Luke 6:38, 14:28-30

Please forward these bondage breaking articles to other people who can use helpful insight!!!

You can find books authored by Randy and Karen Parlor at www.Amazon.com.

MoneyWalk 151: God’s Love Produces Success

This program will help you undo financial bondage.

God loves you immensely and desires that you be close to Him even though you deserve eternal damnation based on the sins you've committed throughout your life. By Jesus Christ, He made a way for your eternal security and by the power of the Holy Spirit you can forsake sinful, worldly ways of living by engaging a continual maturity process.

In order to do so, you must recognize that the most essential part of being a disciple of Jesus Christ is love. You must believe with all of your heart that God so loved the world that He gave His only begotten Son that you should not perish but have everlasting life. You must love God through Jesus Christ with all your heart, mind, soul, and strength and love others like you love yourself for these are the greatest commandments. This means you must manage your life, including your finances, in the way that God identified in the bible so you can be a good steward, Christ’s witness, and His example to other people.

Loving God leads you to pray daily and study scripture daily in order to hide His Word in your heart. It also leads you to exhibit the fruit of the spirit in your life and communication. The fruit of self-control is especially important in helping you manage the money God has allowed you to have. Without it you will not truly fulfill the purpose God has for your place in your family, ministry, or vocation. Loving people leads you to fellowship with other believers weekly. It helps you know that you need what they can provide and they need what only you can provide.

When asked what the greatest commandment is, really listen and absorb what Jesus said, “Love the Lord your God with all your heart, soul, mind, and strength and the second is like unto it, love your neighbor as yourself.” It is through loving God and loving people in the manner described in the bible that you will have deeper fellowship with God in Christ, better relationships with those around you, and move forward to be a good steward of your life and finances and fulfill your purpose, ministry, and career calling.

Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!

Deuteronomy 7:13, Proverbs 8:21, John 14:21, Romans 13:8

Please forward these bondage breaking articles to other people who can use helpful insight!!!

You can find books authored by Randy and Karen Parlor at www.Amazon.com.

MoneyWalk 150: Continual Increase

This program will help you undo financial bondage.

A net worth calculation is a measuring stick to see how successful your financial plan or lack of a financial plan has been for you. Net worth is the value of all your assets minus the amount of all your liabilities. Assets are the items you own. Liabilities are debts you owe someone else for material goods, services, or loans. Monetary net worth gives you an idea of how far into the future you could pay current monthly expenses and debt payments if income from your employment or business stopped coming in.

This measurement is necessary for long-term and short-term planning because you never know what may happen. Even when you are a Christian, negative financial situations, emergencies, hardships, and catastrophes will happen in your life. Planning for them by managing your money according to biblical financial principles will help you weather the storms of adversity and allow the blessing of God upon your life no matter what the enemy means for bad.

Many Christians think that accumulating debt violates scriptural instruction, faith, and trust in God. However, they fail to realize that many of the Christian patriarchs and matriarchs accumulated great sums of wealth throughout their lives (Abraham, Isaac, Jacob, Joseph, Joshua, Esther, Ruth, David, Job, Daniel, and others. In addition, a number of people mentioned as godly servants in the New Testament accumulated great sums of money (Joseph of Arimethea, Zacchaeus, Chuza wife of Herod’s steward, Barnabas, Cornelius the Centurion, Lydia (seller of purple), Philemon, etc.).

Only one time did Jesus Christ tell a man to sell all that he accumulated. According to Jesus explanation to the disciples afterward, this man would have received greater wealth in this life and in eternity after giving away everything and following Jesus. Thus, we do not find scriptural instruction against being wealthy. Rather, we find scripture commanding God’s people to be faithful, responsible, industrious, productive, and good managers of the money and resources God entrusts to us. In addition, He commands that we not love money nor hasten to be rich as these attitudes lead to a great fall.

The scripture further admonishes those who are wealthy to be rich (in proportion to their incomes and assets) toward God, His church, His ministry, and His people. Christians that have very little to give usually give very little. This doesn’t make them less Christian, but the reason they lack ability to give abundantly over the long-term is not because God didn’t want them to prosper financially. Usually, poverty or an unwillingness to give as God commanded is based on their failure to properly manage their working lives to produce 30, 60, or 100 fold beyond what they have been initially entrusted with.

When you start to understand that we cannot out give God, you understand why current day faithful Christians that have accumulated great wealth are not an abomination to God but rather a blessing to the church and people. Through dedication to obeying Him by consistently using biblical money management principles, God begins to pour out more money and other resources that you are able to give more to ministry work than people who may be in a similar income category. In many instances, those with the mind of Christ may have an ability to purchase opulence, yet the priority of their lives is to enjoy fellowship with the Lord, find the center of His will and their purpose, and help fund ministry to lead the hearts of men to Jesus Christ.

When you are tempted to believe that wealth accumulation is ungodly consider what the bible truly says and shows. Also, consider the fact that you spend far more on your desires than you are willing to forego in order to give more to spread the gospel. You matter to God and He wants your life to be abundant in every way including financially. When you manage your life and money according to God’s holy standards this produces continual increase that blesses you and others.

Please pray for this ministry and email any questions. May God bless you richly as you follow His plan!!!

Genesis 13:2, Job 42:12, Luke 19:2-10, 1Timothy 6:17-19, James 5:1-6

Please forward these bondage breaking articles to other people who can use helpful insight!!!

You can find books authored by Randy and Karen Parlor at www.Amazon.com.