Money Talk: A Few Good Reasons to Save Your Money

boy-savingIt is often said that saving money is important, yet many don’t save because they have various valid reasons.

  • “I don’t have enough left over after my bills are paid.”
  • “I don’t see the point of it, after all there is little return on saving or investing these days.”
  • “It takes a long time to see any substantial growth and beside I end up digging it my saving anyways.”
  • “Between saving and investing I don’t think I am the wiser. Savings offer little or no return and with investing I could lose it all quicker than it took me to save it.”
  • “I don’t want to focus on these earthly things too much and be a hoarder. I need to seek God’s kingdom first!” – (Luke 12: 13-21)
  • “Why the point of saving, for saving sake? Besides I don’t have inclination or motivation to do this consistently.”

Sadly statistics show we are not savers. According to stats compiled by the OECD, the savings rate (as a percentage of household income) is way below ten percent in most countries.

Though these may be valid or legitimate reasons, even God expects you to save. God himself has savings too (He calls them storehouses). You may ask how could God who is the Creator of the Universe, the all resourceful One and full of the abundance of all things need to have storehouses or savings. God has storehouses for the abundance He has created and releases what is needed when it’s needed. He has storehouses for:

  • The Wind – Psalms 13:5-7 Jeremiah 10:12-13 & 51:15-16
  • Snow and hail – Job 38:22
  • The Waters (the deep) – Psalms 33: 5-9
  • The Rain (in the heavens) – Deuteronomy 28:12

Not only does the Lord have his places to store up but he also expects us to also. Why? In this fallen world, God knows that there would be seasons of lack or unexpected events that require extra as well as times when opportunities arise that require funding. God’s word gives a few examples of those who saved and saw the benefits of doing so.

  • Joseph saved for seven years to have enough to feed Egypt and many others when the 7 years of famine came. – Genesis 41:48-49, 55-57
  • David saved from his days of war and used it to supply for the house of the Lord and the Israeli leaders also gave toward the work of building the house of the Lord. – 1 Chronicles 29
  • The Apostle Paul instructed the church to set aside weekly to give towards the needs of those in Jerusalem. – 1 Corinthians 16:1-4

Personally, I have seen the benefits of setting aside or saving money. Recently, I had to make some major house related purchases and I was grateful that I could go to my storehouse and collect what I needed. For me that meant no credit, no worry or no stress because I had the funds saved and available. Now my work will be to rebuild that storehouse with what was taken out and to put in more.

The important thing is, if you have it, you can use it when you need it. But if you don’t have you’re either forced to borrow or beg or do without.

But there are a few more good reasons to save:

  1. To give yourself your own paycheck – When you save you pay yourself. Don’t pay out all your money to others (bills) and not have something for you and your family
  2. To help you kick the habit of spending and borrowing – If your divert or direct your money in the right place (your financial storehouse) then you will not desire to spend and you certainly borrow less
  3. For you and your family’s future – As a godly person, take care of your family but setting aside for present and future needs
  4. For the unexpected – In this world there will be trouble, be prepared to handle some of it by having funds set aside
  5. For a good reason or to be ready for new opportunities – Not only should you prepare for unexpected troubles but unexpected good opportunities (e.g. a new house, a business venture, a charitable deed). You cannot invest if you don’t have what it often takes (i.e. money).

Apart from all those good reasons for saving, there is one that should give any Christian the motivation to save – God said that He will order a blessing upon what you save! Check it out in Deuteronomy 28:8.

My question to you then is: Where are you savings at? Are you saving or are you consuming more than you need to? Do you have financial storehouses for immediate living expenses, for adhoc or unexpected expenses or for your golden years?

Today, start afresh. Whether you are saving or not, access where you are and make a commitment to save something no matter how small or big. Commit what you do to the Lord and He will make it success. As little as $5 a week can go a long way.

Share your ideas on how you save or express your challenges about saving. I am here to help.

Remember, during this month, Financial Empowerment: Realign Your Finances to God Will (Kindle version) is on special. Click here to get a copy or to gift one. Read, implement and experience God’s best in your finances.

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Money Talk: Serve God & Rule Money

Does money has a hold on you - Mk10 24-25“No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.” – Luke 16:13 (NIV)

Lately I have been wondering to myself and quietly asking the Lord, why is teaching about money so important? Other areas such as winning souls, knowing what your purpose is and living it out, growing in faith, having a stronger relationship with Christ, and so on – would be considered more important areas of the Christian life. Don’t you think?

Money discussions in church aren’t the most sought after areas of teaching. In most homes, money is a taboo topic and often isn’t spoken of positively. Hey, in general, regardless of your beliefs, most people aren’t comfortable talking about money. Why? It’s too personal and whether you have lots of it or not; it can say a lot about you.

Ask yourself this: What does money say about me? Or what does my management of it more so than how much of it I have say about me?

The thing you treasure the most is what you emphasize and you see it in how a person views their money and possessions. If money is your main priority then you’ll find that you hoard what you have. However when you don’t think you have enough, you will experience feelings of insecurity or worry constantly. If you like nice things your bank account will show it by where you spend and how much you spend. If you are a socialite, your money practices will show how often you go to the restaurant and other places of entertainment. If you love God and seek to build his kingdom through giving, your bank and cash records will show that too. Your money and your treatment of it says how you view money.

This money management business is not just a practical thing but a heart thing. It reflects where you heart is. It reflects what your desire is.

Money is at the heart of your Christian life. You have to deal with it daily. How you do that affects and reflects your faith in God.

Getting back to the question I was asking God – the reality is that we all need help with money. We all need guidance about how best to manage it. But before we get there we need help mastering it spiritually. We need to understand our attitude towards money and learn how God want us to treat money.

God wants you to love Him and master money (Luke 16:13). This takes time through teaching, practice and pray to master something that wants to rule over you every day. How can money rule over you? This spirit behind money (called the spirit of mammon) can either rule your heart with worry, depression, overworking, and causing us to hate of despise God. But on the reverse, you rule over it and use it a tool to take care of our needs and be a blessing in the kingdom of God. You can do this by making God, his kingdom and living in right standing with him your first priority.

Which do you prefer? I think I’d rather rule money than money rule me. I think I’d rather love God than money. Money (especially if you are in more debt than you can handle) is a hard task master. It just doesn’t push you to work hard and long for the money that you can even seem to keep some of but it causes much physical, emotional and spiritual drain.
Therefore I can’t ask the question as to why I need to talk about money or try to shy away from it. As the church we need to get our act together and be rulers and leaders in every aspect of life including money management. From God perspective, that means people, like me, need to teach at every given opportunity the principles of biblical financial empowerment even when it’s not convenient or welcomed.

Here on this blog I sometimes talk money but not often. My aim only is the share what will help us live effective Christian lives that honor God. Part of that includes sharing about money.

Over the next little while I will do a series on money matters as the Lord leads. However, if there are areas you would like me to share on feel free to leave your comments below.
In addition, during this month, Financial Empowerment: Realign Your Finances to God Will (Kindle version) is on special. Click here to get a copy or to gift one. Read, implement and experience God’s best in your finances.

Until my next post…
To your Financial Empowerment
Pamela Carmichael

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Questions To Move Your Goal Setting In The Right Direction

Question marks_ID-10062766If any of you lacks wisdom, you should ask God, who gives generously to all without finding fault, and it will be given to you.James 1:5 (NIV)

Sometimes it can be a bit challenging when setting goals to define clearly what you want to achieve. In the Living Success Goals Workbook & Planner, you’re asked the question, “Where Am I Today?” which you use to rate and evaluate seven life areas. This can be challenging but it is necessary if you want to move forward. This exercise helps you to determine which areas of your life you need to focus on more.

Following that exercise, you will start setting your goals or creating your life plan. Again, even though you may have identified areas that you want to improve, putting a plan together can be quite the challenge. In the post I have created questions that you can use to help you plan in each of these life area.

I know for the most part taking time to question yourself may seem hard and time consuming. However, there is a benefit because for every question, even the hard ones, an answer can be found. As you start questioning yourself about your life, also ask God for already He knows the answer. He will search your heart and give you the wisdom needed to move your life in the right direction.

LIFE VISION
What would make you smile with satisfaction when you look back at my life?
How can you get closer to your 10-year goal in this year?
What can you do to make the world a better place?
How would you like to be remembered?

FAMILY
Who do you need to have a better relationship with in your family (spouse, children, siblings, in-laws)?
What family values and/or traditions (e.g. celebrations, fun events, special occasions, family devotions or prayer) do you need to develop or reinforce in order to leave a lasting legacy?
What family goals (e.g. buy a house, family reunion or vacation, stronger relationships) do you have for this year?

FRIENDS & COLLEAGUES
What relationships do you need to improve?
Is there anyone who you need to disconnect from because they are a negative influence?
Is there someone who pulls you down rather than lift you up and encourage you?
Are there people you interact with that drain your energy in one way or another?
Who do you most admire in your sphere of influence? How can you connect with them?

FINANCIAL
What are your immediate financial needs?
Do you have a workable spending plan? Does it need to be revised?
Do you have a financial plan aligned to your values?
Do you need to a financial increase? How much? What will you do to achieve this?
Are you satisfied with your current income level? If not, why and how can you improve it?
How much do you plan to give, save and invest this year?
Is there a plan to reduce debt or to get out of debt completely?

HEALTH – PHYSICAL
What can you do this year to improve your overall health?
Do you need to create and follow a healthier eating plan?
What plan do you have to keep physically fit (have a personal physical assessment and exercise plan, start walking, participate in fun sporting activities, purchase and use workout videos, partner with a few exercise enthusiasts)?
Have you booked your annual health checkup and regular doctors visits? Would you prefer to work with a nutritionist or with an alternative health practitioner?

INTELLECTUAL / PERSONAL DEVELOPMENT
Should you enroll in an academic or professional course or other course of interest to you?
How many books do you plan to read this year? What topics would you like to cover?
Who can you connect with as a mentor, coach or mastermind group to provide support and accountability?

CAREER / BUSINESS
Are you in the career of your dreams? If not, what do you need to do to get there?
Do you need to study in a particular field? Or do you need to get on-the-job training?
Do you need to make a complete change in your career and embark on a new adventure?
In what ways can you improve service and product offerings in order the generate business income and be profitable?
How can you better serve your customers (internal and external)?

SPIRITUAL
What can you do to have a closer relationship with God this year and beyond?
How can you better serve the Lord not only in church-related activities but in all areas of my life?
Do you spend enough time in prayer, bible study, reading books on Christian living to help you grow in your walk with the Lord?
How often do you set aside time during the day to spiritually rejuvenate (such as having moments of quiet reflection, listening to uplifting music, watch short but inspiring videos or having a talk with God)?
How can you be a more effective witness for Christ?

This does seem like a lot of questions but they are just designed to get you started in your planning. You don’t need to answer all these questions or set major goals for each of these life areas. In some cases, you may need to set small goals – simple life habits – that can and will greatly improve your life. In other cases, based on where you are today, you may need to do a makeover on one or two areas of your life.

So take a step. Look at where are today and ask yourself a few of these questions to help you set purposeful goals. Ultimately, whatever goals you set, make sure that they align with your values and with the will of the God.

If you need help with goal setting, it’s not too late. Check out the Living Success Goals Workbook & Planner.

Here’s to your best year ever!

PamelaC

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Defeat Debt: 3 Areas You Can Conquer

Debt is a burden many face but not one that you should have to constantly carry. My heart’s desire is to live free from debt and to be financial empowerment. This is my prayer for you as well as for me.

If I were to ask you what your financial concern is, you would like say DEBT. There isn’t a person who doesn’t want to be free from its clutches.

So I thought I should at least write more about debt. However, the more I thought about it I realized that debt can affect us not just financially (or physically), but emotionally and spiritually.

If you recall the men that followed after David, they were in the deep Ds – in debt, in distress and discontented (1 Sam 22:2). Does this sound familiar? Do you sometimes wish the principal plus interest payments would go away? Or at times do you feel constrained by the debt load you have? Maybe you think at times that God is far away and not interested in your financial problems. Sometimes you may even get angry or frustrated about your debt situation.

I understand how debt can be so hard on you. But there is hope for financial freedom. With this in mind, I have spent some time away from writing and created a video series called Defeat Debt: 3 Areas You Can Conquer which I am excited to share with you. To view it, please click here.

The aim of this free Defeat Debt video series is to address the three areas of debt (physical/financial, emotional and spiritual) by not only explaining the impact of debt on your life but highlighting different steps you can take to reduce and/or to get out of debt.

Please head over the this FREE video series – Defeat Debt: 3 Areas You Can Conquer – and start working towards defeating you debt and moving towards financial empowerment.

Once you’ve watch it, take action – do something, no matter how small it may seem to move towards debt free living. Also remember those who may be in a similar position to you and share the video link with family and friends.

My hope you will benefit greatly from the video series by implementing steps to rid yourself of debt and start the journey to financial empowerment God’s way!

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The Good, the Bad and the Ugly of Debt

debt stress_8085183_sDebt – sounds like a bad word doesn’t it. For many adults, it is definitely a bad word and a bad experience. Debt has its positives but there are often more negatives than positives.

The Bible with over 2,500 scriptures on money does speak about debt. The Mosaic Law encouraged the practice of lending (Deut. 15:7; Ps. 37:26; Matt. 5:42); but it forbade the charging of interest except from foreigners. Usury (the sum paid for the use of money, hence interest; not, as in the modern sense, exorbitant interest.) was strongly condemned (Prov. 28:8; Ezek. 18:8, 13, 17; 22:12; Ps. 15:5). On the Sabbatical year all pecuniary obligations were cancelled (Deut. 15:1-11). These regulations prevented the accumulation of debt. – Easton’s 1897 Bible Dictionary

That’s interesting. God actually made a plan for His people to be debt-free! He wants you and me to avoid debt in two ways: (1) not to lend with interest and (2) not to accumulate debt.

In our world today, it seems like having some form of debt is the norm. I would agree that at times there is a need to borrow, but the key is to not remain in debt. Debt does not have to be forever!

There are ways in which debt can prove to be good or to be a necessary means to an end:

  • For investment purposes. You may need funding in order to grow or the start a new business and the way to get it may be through debt. (1 Kings 4: 3-4).
  • For emergency backup. Sometimes your only option may be to use immediate credit i.e. your credit card. However, do your best to avoid this and you can if you have a savings fund in place to handle unexpected expenses.
  • To make an online payment with a merchant who does not accept debit cards. In a case like this, make sure to pay the card balance off on or before the due date. Alternatively, you can use a Credit card company sponsored card (like the Visa Debit Card which linked to your bank account) or a preloaded “credit” card that uses funds you have added to the card.

Those a just a few ways debt can be used for your benefit and to accomplish something that would otherwise be more difficult or not possible.

How do you know when your debt has become bad and ugly?

Debt is BAD when:

  • You have more debt than you have the financial ability to easily repay. For example, in the parable of the unforgiving servant, he was not able to repay his debt (Matt. 18: 23-25).
  • The creditor is ready and willing to repossess property. In Biblical times, the person who defaulted on repayment and their family were enslaved by the creditor (2 Kings 4: 1-2; Matt. 18: 23-25).
  • You quickly resort to credit cards because there is no available cash or savings. Easy access to credit for those who are big spenders speaks disaster.
  • You are unable to payoff your credit card balances in full each time you use them or within a few months.
  • You are using credit for your day-to-day needs like food, gasoline, clothing, etc.

But debt gets ugly when it has an impact on the other areas of your life. Debt is UGLY when:

  • You experience increased emotional stress or worry because you don’t know how you will be able to repay.
  • You start exhibiting dishonest behavior such as trying to avoid calls from your creditors. For example, telling your children or someone in the household to lie that you’re not at home when the creditors call.
  • You feel oppressed, distress or boxed-in because of the limiting effects of too much debt.
  • You are discontented and frustrated and you take it out by being harsh with your loved ones. This often results in difficult conversations with your spouse and other family members followed by strained and sometimes broken relationships.

This post is a result of a friend’s request to learn more about good vs. bad debt. I think that each one has to access their financial position and the debt that they have to determine if it is good or bad. What is bad for one may not be for another based on earning power and financial position. There are questions that you have to ask yourself either before or after you have acquired debt. Consider these questions:

  1. Will I be able to repay this credit card balance within a month or two if I make this purchase?
  2. Should I take a house mortgage for this amount? Would this level of credit result in difficulty repaying it? Can I afford the payment amount plus property taxes and house maintenance costs along with the typical expenses that I already have?

When considering credit, borrow according to how much you can comfortably repay rather than according to how much the lender says you are qualified to borrow. It is so easy to access credit. Therefore be cautious about getting into debt since it’s often easier to get in that get out! The credit card companies and other financial institutions can be sometimes relentless in their pursuit to get your business i.e. your hard earned money. Ask God for wisdom in managing your financial and other resources. Seek to honor Him and to live a stress free life by limiting the amount of debt you incur.

Want to learn about getting out of debt? Download this free gift – 7 Biblical Debt Solutions.

What do you consider to be bad debt?

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9 Reasons Why Setting Goals Is Good For You

setting goals_5411685_s“Write the vision and make it plain on tablets, that he may run who reads it. For the vision is yet for an appointed time; but at the end it will speak, and it will not lie. Though it tarries, wait for it; because it will surely come, it will not tarry.”             — Habakkuk 2:2-3

In my last post, I discussed, 7 Quick Tips to Make the Best of Goal Setting. This week I want to highlight a few benefits to setting goals. People have a tendency to look at goal setting negatively mainly because of the time and effort it takes to start and continue the process. However, I hope that looking at the positives of goal setting will encourage you move towards a Living Success year.

Goals setting will…

1. Give direction or focus to your life

The aim of goal setting is to make you think about your life. If no one dreamed, planned, set goals and pursued them this world would be full of problems and no solutions. It’s the pursuit of man providing solutions to the problems that makes life better. God created you to have dominion, to be fruitful, to be productive, and to do good works. Setting goals is a start to being such an individual. When you set goals you are creating your life’s road map that brings everything you’re doing and will do into focus.

 

2. Energize you

The very act of writing your goals and seeing them in black and white will inspire you to start working on them. The more you act on your goals and accomplish them step by step, the more motivated and energized you become to keep working at them until they are completed.

 

3. Provide a challenge

Sometimes goal setting can be intimidating. Why? Because our dreams often feel bigger than we are. Your written goals can prove to be a challenge. Tell yourself, “If I dream it, I can do it with God’s help and strength.” The key to any challenge is to go after it in faith and with the certainty that God on your side. If God has put a dream or goal on your heart, He can give you the grace to achieve it.

 

4. Turn the seemingly impossible into possible

The purpose of goal setting is not to write down a few items on a list and leave them alone, there is more. Your goals need to be specific, definable and time sensitive and then be broken into smaller more manageable tasks. The aim of goal setting is the make impossibilities become smaller possibilities.

 

5. Hold you accountable to yourself

Writing down what you want to do have a way of standing out. When you keep your eyes focused on your written goal it speaks to you. What does it say? You need to make this happen. Studies have shown that those who write down their goals are more likely to accomplish them than those who don’t. The more you study your goals, the greater commitment you have to accomplish them.

 

6. Help you to believe in yourself

When you set aside time to dream and create goals, you begin to believe in your ability and God’s grace to complete them. What you really want and what your purpose is become clearer to you. As you write the desires of your heart, you become more certain that you can achieve them because they are aligned to God’s will and who you are in Him. As you review your goals regularly, the more you believe they are doable.

 

7. Bring you to live life to be fullest

What if you don’t set goals? Those I have known that set goals and pursue them, they are some of the happiest, thankful and confident people to have in your circle. For those who haven’t set and pursued their dreams, these often live in regret and talk much about what they could have done. Setting and pursuing your goals will cause you to experience a life that you once dreamed of. Go out and live your life as God intended for you.

 

8. Measure your success

Good goal setting provides a benchmark to compare to – Your goals vs your current successes. Every week, month or quarter you should take time to access where you are against the goals that you’ve created. When you do this you learn where you need to improve, what is working for you and where you need to adjust. Measuring your success is a good time to give thanks and celebrate what you have achieved with God’s help.

 

9. Help you overcome procrastinating

Identifying the next 3 action steps for each of your goals is an important part of the goals setting process. As you do this and assign timelines to these small tasks, you will be driven to do them immediately. The fact that they are manageable steps or easy tasks eliminates the intimidation factor present in large goals that often cause us not to pursue them.

 

10. BONUS Benefit: Make You Think Outside the Box

When you set goals, one of the questions you will find yourself asking over and over again is, “How am I going to do this?” With prayer, research and creative thinking, you will find the answers. Even when you are not looking for the answer, ideas or solutions will come to mind that you normally would not have thought of if you didn’t have goals to pursue. You’ll be surprised at the kind of “out-of-the-box” thinking you will do and the bold steps you will take to achieve your goals.

Goal setting really is worth the effort. When you habitual set goals and pursue them, you will happily look back over the years and be thankful that you did. One thing I have noticed is that goal setting has helped me to accomplish more than I thought I could and through this process I learned to trust God to fulfill the desires that He has placed on my heart.

Now you know why goal setting is good for you, will you take the time to create the life you’ve been dreaming of?

If you’re haven’t set any goals yet, it’s not too late to begin. If you need a step-by-step guided process to goal setting, I’d encourage you to download the Living Success Goals Workbook.

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Shopping Sprees … Debt Free & Stress Free

shopping groupThere are four things which are little on the earth, but they are exceedingly wise: The ants are a people not strong, yet they lay up their food in the summer. –Proverbs 30:24-25

Go to the ant, you sluggard! Consider her ways and be wise, which, having no captain, Overseer or ruler, Provides her supplies in the summer, and gathers her food in the harvest. –Proverbs 6:6-8

A few months back I took a mini-vacation with my sisters and daughter. One night we were talking from one topic to another last night when we lighted on the topic of how annoying ants can be. Like when you know you have cleaned the kitchen to the max yet ants appear (seemingly from nowhere). Or when they appear, it’s not one or two but they seem to call every ant they know to come with them. My daughter commented on how interesting it is see some many of them working together to carry one little crumb back to their home. I then remember the scripture in Proverbs and pointed out that there something to learn from them. They store in the summer (good times) and make sure they have enough for the winter (cold and hard times). Then the Holy Spirit nudged me that this was exactly what we were doing. We were not only having some special family time but we were shopping and storing up food to send home!

Then I thought to myself, shopping sprees don’t have to be stressful or lead to debt. There were benefits to this kind of shopping:

  • It was purpose driven – to store up for the future
  • It was cost effective – to save on items that were generally more expensive at home
  • It had a relationship aspect – to spend time apart from shopping with family
  • It required discipline – not to spend more than the budget allocated
  • However, it was fun – especially when you enjoy the company of family or special friends

This storing up we were doing had its payoff in the future. We often took the two-fold approach of taking a vacation and stocking up for the future. During that time it can be exhausting making price comparisons, shopping and packing but at the end we know that we have set aside for the future.

You feel like to Proverbs 31 woman who looks to the future with confidence knowing that she has taken care of the needs of her household ahead of time. So shopping sprees don’t always have to end negatively, that is, with you being in debt and unsatisfied with your purchases. It can be done with wisdom.

What do you need to have these debt-free, stress-free shopping sprees that are a win-win situation always?

  1. Get physically and mentally ready to shop for long periods. If you’re like me and don’t like to shop a lot then you need to get yourself geared up for it.
  2. Plan ahead – write a list of what you need (and some of what you want). Ask God for wisdom in this process
  3. Estimate the cost as best you can – it is better to overestimate
  4. Save based on your estimate with some extra for other items you may buy that aren’t on your list
  5. Determine the best time of year or season to make the most of your buying power
  6. Have a shopping buddy and/or accountability partner that will keep you in check so you don’t overspend
  7. Try to buy the must-haves on your list first before buying any “I-wants”
  8. Access your purchases and if you realized you don’t need a particular item or it cost more that it does elsewhere; return it. If you can’t return an item consider gifting it to someone else who needs it and would appreciate it or sell it.
  9. Don’t shop for yourself only – consider others who are in need
  10. Certainly, give thanks to God for His provision and His wisdom to know how to shop wisely

During the holiday season, we tend to do a lot of shopping but the key in not in getting it all but in being a judicious shopper. It’s important to plan your gift purchases, don’t just wander into the stores hoping to find something that will work. Make a list, assign a specific dollar amount and stick to it. When you have reached your dollar limit, stop buying. Stick to cash only or debit cards and avoid using your credit cards.

Have a stress-free, debt-free Christmas season. Remember, Jesus is the best gift of all.

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Ultimate Christian Living Bundle

I recently came across this wonderful opportunity to have the Ultimate Christian Living Bundle. Honestly, I get so many emails that at times I just dismiss them but this one I couldn’t.

This bundle is packed with so much value that it’s hard to let this pass you by.

  • 14 Christian Classics
  • 13 Devotional Readers
  • 7 Faith-Building Children’s Books and Music
  • 14 Manuals for Christian Finance and Business
  • 4 Amazing Bonuses valued at $99.97
  • …And much more!

When you think about it there is so much available that of course you can’t read or take it all in at once but what I plan to do is to use these resources throughout the new year. Usually, I aim to read at least one book a month and this year I have lapse a little, so this is a good starting point for the new year. With Devotionals included and books on Christian Finance and Business included I am good to go.



Have a look at the bundle and see what interest you and how much applying yourself to read these materials throughout the year will benefit you in your Christian walk. As I always remind myself and now you: Leaders are readers.

What intrigue me the most is the cost – you pay is far less that the value you receive. It’s rather generous of these authors to offer such great value for money. There is an option to upgrade from PDFs to ebook versions so you can have nicely formatted books on your Kindle, Nook or other ereader.

There is a benefit to every Christian who receives this Ultimate Christian Living Bundle. Several bonuses are included and the one I like the most is the FREE access to the “Stewardship of Healthy Living” curriculum, 24-day study guide, and the highly-acclaimed “Tempo Workout Video Series.” The program takes a uniquely biblical approach to exercise and healthy living, and points towards spiritual truths that our health is a means of praise. I am excited to start this!

Anyways, enough from me. Check out the Ultimate Christian Living Bundle and let me know how much you’ve gained from it.

Oh, don’t forget this sale ends on Monday, 10 November, 2014.

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God Is Your Financial & Everything-You-Need Source – Part II

The earth is the Lord’s, and all its fullness, the world and those who dwell therein. For He has founded it upon the seas, and established it upon the waters. —Psalm 24:1–2

Image credit: yuyu2000 / 123RF Stock Photo

It is perfectly logical to assume that a wise and competent Creator would provide for the needs of His creatures in their various stages of growth. —Charles Fillmore, Prosperity

Have you ever asked yourself, Who is my source? If not, now is a good time to do so. So, who is my source? Is it my job or business income—or is it God? Money is such a personal thing that we often fail to recognize that the money we hold in our hands is not ours.

Perhaps you work hard and deserve to be paid for your services. However, you may think your education, talent, creativity, good opportunities, or even your good looks brought what you have.

But again, I ask, Who is your source? Being a good Christian, you may likely answer that God is your source, but do you really believe that?

I’ve had to ask myself this question a few times in my life—when money seemed limited, when I had to juggle figures to see how I could best meet my needs when no money seemed to be in sight, yet bills were due. I’ve even asked this question when times were good and I enjoyed abundance.

So who is your source when times are good and all seems well but trouble comes and all your savings and income suddenly dry up? Do you trust God only when you have enough or live in abundance? Or do you trust Him even when you don’t know where the money is coming from?

WHY WE DON’T TRUST GOD AS OUR SOURCE

What causes us not to trust God as our source? What are some of the effects of limiting God and not seeing Him as our source?

In the previous post, we discussed three reasons but today we will look at why we should trust God.

TRUSTING GOD AS OUR SOURCE
By definition a source is any thing or place from which something comes, arises, or is obtained; origin (See http://dictionary.reference.com/browse/source?s=t). God is the origin from which all life flows. Psalm 24:1 says that the earth belongs to God, everything in it and everyone who lives on it. All is God’s (Deut. 10:14; Job 41:11; Ps. 50:12; 89:11).
So how do you view your God? Is He the origin of all you need? Is He the One from whom your needs will be met daily? Or do you still think He is limited in His ability to provide for you? If so, you need to examine the Word and see how you can align your will to God’s Word and fully understand that He is your source.

• God, the Creator, prepared for the needs of His children beforehand. From the beginning, the One who created us has been the source of all our needs. First, He designed this world for us to live in. In His love for us, He planted a garden with food, clothing, water, shelter, gold, and precious stones. The sin of Adam brought upon us the curse of hard work and poverty—by the sweat of our brows we eat (Gen. 3:17–20). But faithful as He is, God did not take away His provision from us. From creation until now we see His faithfulness in providing for all who live on this earth.

Moreover, for those who believe and confess Christ as Lord and Savior, His Word promises over and over again that He will take care of all our needs and grant the desires of our hearts (Ps. 21:2; 37:4). Yet when we face financial difficulties, we often become fearful and think God’s resources have dried up. We always need to remember that God is the source of all our needs.

• “As His divine power has given to us all things that pertain to life and godliness, through the knowledge of Him who called us by glory and virtue” (2 Peter 1:3). What a wonderful promise! God has given you more than you need to enjoy life and live a godly life before Him. God wants to give you not just enough but more than enough to be a blessing to others. Second Corinthians 9:8 says that God will cause you to have more than you need so you can give toward good works. The Word of God emphasizes that God will supply both what you need in your life today and what you need for the future. Regardless of your need, God gives to you when you ask. The Father God knows what you need and will provide (Matt. 6:31–32).

• If God has taken the time and effort to number the hairs on each person’s head, don’t you think He has all the details of your life worked out (Luke 12:7)? If He has not only given great care to determine how many hairs are on your head, but has also numbered each of them; don’t you think He knows what your financial position is? He has said that you are more valuable to Him than many sparrows. He takes care of the animals, but He takes greater care of every human being created in His image. God had all your needs figured out long before you knew about them, so don’t worry.

• “And my God shall supply all your need according to His riches in glory by Christ Jesus.” Yes, you probably know Philippians 4:19 all too well. If God says He will, then He will. Scripture is filled with promise after promise that God will take care of you. The psalmist said that as a youth and throughout his years on earth, he did not see the righteous and their children beg for food (Ps. 37:25). The righteous includes you! You and your children shall never beg for food because God in His faithfulness as the source of all good things will provide for you.

TRUST HIM
In this world, relying on ourselves alone is signing up for certain failure. God has promised in His Word that He will meet our needs and provide for us along life’s journey. If we trust Him, He will surely make life good for us. If we trust Him, we will have peace regardless of the turmoil going on around us. When hope fails for others, our trust in God will keep the hope in us alive, and we will see nothing as impossible or hopeless. If we trust Him, we will always remember that He who promised us many blessings is faithful to perform the word He spoke to His people. When we trust God as our source, we will experience not only His peace but also His provision.

Remember, the starting point of all you have, all you need, all you will possess, and all you will be in life is God. He is the stream from which all things flow. Your income is not the starting point of your provision; God is.

This article was excerpted and adapted from Financial Empowerment: Realign Your Finances to God’s Will. Would you like to read more and experience change in your finances as you follow God’s word, then click here to buy your copy of Financial Empowerment: Realign Your Finances to God’s Will.

Amazon Image

Do you already have a copy? Great! Do you want to go deeper in your commitment to God and strengthen your decision to realign your finances to His will? In the near future, I will be offering a companion book study entitled “Financial Empowerment Workbook: How to Realign Your Finances to God’s Will”. Be sure to keep visiting and sign up for updates to keep you informed of future events, workbooks and coaching programs.

 

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God Is Your Financial & Everything-You-Need Source

The earth is the Lord’s, and all its fullness, the world and those who dwell therein. For He has founded it upon the seas, and established it upon the waters. Psalm 24:1–2

Image credit: <a href='http://www.123rf.com/profile_yuyu2000'>yuyu2000 / 123RF Stock Photo</a>

It is perfectly logical to assume that a wise and competent Creator would provide for the needs of His creatures in their various stages of growth. —Charles Fillmore, Prosperity

Have you ever asked yourself, Who is my source? If not, now is a good time to do so. So, who is my source? Is it my job or business income—or is it God? Money is such a personal thing that we often fail to recognize that the money we hold in our hands is not ours.

Perhaps you work hard and deserve to be paid for your services. However, you may think your education, talent, creativity, good opportunities, or even your good looks brought what you have.

But again, I ask, Who is your source? Being a good Christian, you may likely answer that God is your source, but do you really believe that?

I’ve had to ask myself this question a few times in my life—when money seemed limited, when I had to juggle figures to see how I could best meet my needs when no money seemed to be in sight, yet bills were due. I’ve even asked this question when times were good and I enjoyed abundance.

So who is your source when times are good and all seems well but trouble comes and all your savings and income suddenly dry up? Do you trust God only when you have enough or live in abundance? Or do you trust Him even when you don’t know where the money is coming from?

WHY WE DON’T TRUST GOD AS OUR SOURCE

What causes us not to trust God as our source? What are some of the effects of limiting God and not seeing Him as our source?

We Don’t Think We Will Prosper

Our life’s experiences have affected the way we think about our God, the Creator and our heavenly Father. The distorted thinking of some Christians has caused them to believe they will never prosper. The self talk of many is that nothing will ever work well for them—in their workplace, business, finances, ministry, or personal relationships. Yet the Bible says that whatever we – the blessed people of God – do shall prosper (Ps. 1:3). When nothing works, our faith in God dwindles and sometimes dies completely. We fail to realize that we believed more in our failure than in the Word of God. If our expectation is that nothing we do will prosper, then nothing will. But if our expectation is that we will prosper, then we will. Our faith must match our words and actions. Then God will meet us at the level of our expectations.

We Don’t Believe His Word

Usually the problem is that our talk and actions do match our inward beliefs. Though we say that we trust God to meet all our needs, we don’t really believe this. We don’t think God is able to do what He says in His Word. Our faith in God is fickle when it comes to trusting Him to provide for us, and this fickleness is most evident when we face troubled times. We pray much and say we believe God, but when we leave our closets and go back to the world/reality, we allow the circumstances around us to overwhelm us with defeating thoughts. Our thoughts and actions prove that we don’t trust Him. We take matters into our own hands—which usually results in things getting worse. Part of trusting God as our source means asking Him for direction, but often we go ahead and do what we think is best without consulting God and/or seeking the wise counsel of those He has placed around us.

Worry Is Our Friend

Worry is often the companion of many believers. It’s just proof of our lack of faith in God. Worry shows that we believe more in our circumstances than in our God. We constantly worry about how to meet our obligations or where the next meal will come from—or we create negatives about how hard getting our next job will be. The Lord admonishes us not to worry about anything, but to pray and give thanks to Him (Phil. 4:6–7). But we worry, and as such, we have no peace of mind and become irritable with our loved ones instead of enjoying the blessings we do have. If we took heed to God’s Word, we would have peace in the midst of every storm, whether financial or not. This peace would keep us from being anxious.

TRUST HIM

In this world, relying on ourselves alone is signing up for certain failure. God has promised in His Word that He will meet our needs and provide for us along life’s journey. If we trust Him, He will surely make life good for us. If we trust Him, we will have peace regardless of the turmoil going on around us. When hope fails for others, our trust in God will keep the hope in us alive, and we will see nothing as impossible or hopeless. If we trust Him, we will always remember that He who promised us many blessings is faithful to perform the word He spoke to His people. When we trust God as our source, we will experience not only His peace but also His provision.

Remember, the starting point of all you have, all you need, all you will possess, and all you will be in life is God. He is the stream from which all things flow. Your income is not the starting point of your provision; God is.

This article was excerpted and adapted from Financial Empowerment: Realign Your Finances to God’s Will. Would you like to read more and experience change in your finances as you follow God’s word, then click here to buy your copy of Financial Empowerment: Realign Your Finances to God’s Will.

Amazon Image

Do you already have a copy? Great! Do you want to go deeper in your commitment to God and strengthen your decision to realign your finances to His will? In the near future, I will be offering a companion book study entitled “Financial Empowerment Workbook: How to Realign Your Finances to God’s Will”. Be sure to keep visiting and sign up for updates to keep you informed of future events, workbooks and coaching programs.

Be Blessed.

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