Are you suffering from some sort of pain? Of course you are, I know that. what if I told you that you could get rid of a source of your pain. You may not even realize that it is causing you pain. Debt. Debt causes pain, and you may not even realize it. But think about it, how does having debt cause you pain? Other than the annoying voice that never stops telling you to get rid of it. Debt has caused me pain in a number of ways. Let’s see:
- Arguments with my husband.
- Unable to get my son that swing set I know he would love.
- Unable to give the way I would like.
- Watching family with debt struggle.
- Making the dreaded payment every month.
- Unable to vacation to the places my family would love.
- Unable to start the business I would like to run.
- Unable to renovate our house.
- Unable to give my husband the truck he wants.
- Lack of savings for son’s college and retirement.
Now all of these things are not necessary to live a happy life, nor are all of them sources of great pain, but some of them are. What would your list look like? How does having debt cause you pain?
Now, what if all of those things were gone! What if your money was free and you could do with it what you wanted with God’s guidance!? Yes, I know what you are thinking. That would take SO LONG! And sticking to a strict budget can cause pain too…
Yes, but what about those other pains in your life not directly related to debt. Such as the loss of a loved one, or loss of a job. Wouldn’t those things be so much easier to handle if you didn’t need to think about making your payments on time as well?
And we know that in all things God works for the good of those who love him, who have been called according to his purpose.
I know you are struggling and have pains in your life, but for those of us who believe in Jesus Christ as our savior, we can trust that the pain will lead to something good. It could be a lesson to be learned, or a door to be opened, or a person brought into your life at just the right time. Don’t forget that God’s plan for you is bigger than you could imagine.
By getting out of debt you can allow God to work in your life. Your children will see your discipline and determination, what an effect that will have on them! Once out of debt you will have the freedom to be a steward of God’s money and use it according to his plan.
The rich rules over the poor, and the borrower is the slave of the lender.
Owe nothing to anyone except to love one another; for he who loves his neighbor has fulfilled the law.
The Lord doesn’t want you to live in debt. You don’t want to live in debt. Your family doesn’t want you to live in debt. You can start living God’s plan today. The journey will not be easy, it will take discipline and it will try your patience. But the joy you will receive and the pain that will be taken away will change your life and possibly many others!
Here are some action steps to get you started on your road to a debt-free life.
1. Start a Budget
Oh yeah, the dreaded budget. I know it’s hard to stick to, but when you do it will work and you will be a debt-payoff machine! it may take a couple months to get it right to! Don’t feel like you’re doing it wrong when your budget needs an adjustment!
I keep my budget using this budgeting system. There are wonderful budgeting tools on the back of the book. These tools keep me on track and from forgetting anything, even Christmas!
2. Buy only things you NEED
Yes, what you really NEED. Think about areas you can cut back in. For me, I cut back by making my coffee habit cheaper. I make my own coffee at home and I even decided to cut cut out those coffee pods I used and bought a reusable/refillable coffee pod like this one. Now I only pay for coffee grounds.
For my husband, it’s fast food. He has dedicated himself to taking his breakfast and lunch with him to work rather than buying fast food on the go.
Want to think bigger? Cut the cable!
3. Be cheap & don’t be ashamed!
Who said cheap was un-cool? I say flaunt it!
4. Stick to it
This will be a difficult road. It won’t take forever, though it may feel like it. It might not feel like it’s working right off the bat, and if adjustments need to be made that’s okay! Give yourself the credit you are due, celebrate each debt payment with a little happy dance and remind yourself that this will work!
Now that you have a starting point, lets get to work. There’s no better time than the present. Get rid of this pain-causing debt and live a more free life. Be free of debt, free of money arguments, allow yourself to be an example to others, allow yourself to give abundantly. Start today!
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Guys, gals, we need goals!
Are you a tried and true goal setter? Do you write down your goals and reflect on your progress? If your answers are yes, then you deserve a pat on the back! Go ahead, you know you want to!
But if you are like me, you have these huge, non-specific goals floating around in your head that you think about from time to time. No progress is really made because you aren’t actively involved in it.
Since beginning this blog it has become extremely evident that I need to make some goals to keep my focus and motivations in check.
That is what I wanted to tell you.
God showed me a different direction on goal setting. Yeah, He basically throat punched me with it. Ha!
As I was searching for biblical principles and verses I came across this post, and as I read deeper in the comments I found a link to this video. Man! (No affiliation with the last two links.)
In their hearts humans plan their course, but the LORD establishes their steps.
It doesn’t matter what we plan and make goals for, the Lord’s plans are greater! When we make goals and strive to achieve them we are putting God in a box. Why would we limit unlimited potential? It is through dedicated prayer and thanksgiving that God will provide a path for each of us and we don’t know where that path will take us! But when we put all our faith, all our hope, all our trust, all of our desires on Him how can we fail?!
God is our great provider! We should not limit him to our humanly goals which have such a tiny vision compared to his! Yes, it will be hard to restrain ourselves. But this is the path less trodden.
I mentioned before that I was in need of keeping my focus and motivations in check. I was about to do so by making human-sized goals. The funny thing is that He is capable of keeping those things in check! He tells us to cast your worries on Him (1 Peter 5:7). Oh how God could prosper us if we can learn to let Him lead and give Him the praise for our accomplishments!
Cast all your anxiety on him because he cares for you.
1 Peter 5:7
What plans or goals do you need to give up to the Lord? Leave your answer in the comments!
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This is a day that the Lord has made,
I will rejoice and be glad in it!
What a wonderful Wednesday! I know that might be hard to say right about now. You might be stressed out of your mind with deadlines, bills, house repairs, maybe the kids need new shoes and clothes, or maybe your marriage is in disrepair.
Darlin, I’ve been there too. Even this blog I’ve started wants to be the devil that breaks my joy. Don’t let it be so! Praise God for the toes on your feet if you can think of nothing else! These simple praises can lift your mood no matter how broken.
Contentment, Where Have You Gone?
It’s very hard to find contentment in this busy, material based world that we live in. Why aren’t the things we have enough? When will we truly be prosperous? If I could just get this raise… If I can just buy that house… If I can just drive that car… But once you get there, will you truly feel prosperous, will you be content with the things you have?
Looking back at the past 7 years of my marriage, I can say that my answer would be no. We started out in a 2 bed apartment making maybe 30k that year. Things were tight, but we looked ahead to a time where we would both have better jobs. Since those days, we have better jobs, our income has tripled, we live in a nice suburban home. But yet, we’re still thinking about what’s next. Have you had a similar experience?
Keep your lives free from the love of money and be content with what you have, because God has said, “Never will I leave you; never will I forsake you.
Here at Prosper in Faith, we strive to be stewards of God’s money. So yes, we will talk about money and finances, but how to use them as God commands, not as the world suggests.
As stewards of God’s money, let’s work towards contentment. Let’s work towards feeling prosperous in our current circumstances. Face it, is that Lexus SUV going to give you peace and joy? Not if it comes with a hefty monthly payment! Peace and joy come from the Lord.
May the God of hope fill you with all joy and peace as you trust in him, so that you may overflow with hope by the power of the Holy Spirit.
The next time you feel an overwhelming urge to splurge, say a prayer for the Lord to bring you peace of mind and contentment.
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Happy Fall Ya’ll!
Can you believe that it’s fall already!? This is my favorite time of year. The crisp, cool air is perfect for bonfires and warm drinks, cozy clothes and beautiful boots! There is one down side to this glorious season – the holiday debt monster is lurking just around the corner.
Every year it seems like the holidays creep up on us with out our knowledge. So many of us end up at the end of November thinking, “Where will I find the money for Christmas presents?” This, after you have already spent your time, effort and hard earned dollars on Halloween and Thanksgiving. So out comes the credit card, that devil in your purse. By the time January roles around your trying to figure out how you’ll get the devil paid off in time for summer break and vacation season…
This doesn’t have to be the pattern of your life. God does not want this to be the pattern of your life.
The rich rules over the poor, and the borrower is slave to the lender.
So many of us have hear this verse before. But for some reason, we borrow money anyway. I tend to justify borrowing money because it is something I NEED. (Like those awesome fall decorations!) Is that generally the case? Heck no. Borrowing money straps us up and ties us down. Worse yet, it causes all kinds of anxiety. Our heavenly Father does not want this for us.
If you really prioritize your desires for this fall and the holiday season, I’d expect that you, like me, would place spending time with friends and family at the top of the list. This does not mean spending money on friends and family.
Will we spend money? YES, but when we refocus our priorities on what is most important, things become less of a headache, and less expensive. We will also bring glory to God.
Instruct those who are rich in this present world not to be conceited or to fix their hope on the uncertainty of riches, but on God, who richly supplies us with all things to enjoy. Instruct them to do good, to be rich in good works, to be generous and ready to share, storing up for themselves the treasure of a good foundation for the future, so that they may take hold of that which is life indeed.
1 Timothy 6:17-19
You see, this isn’t just our money. Actually, it isn’t our money at all. It is the Lord’s money. He gives and he takes away. Everything we have is the Lord’s. How will we take care of what he has entrusted us with?
Now that we are more focused, what actions should we take to prepare ourselves financially for the holidays?
- Most importantly, come up with a written budget for each holiday, NOW! Don’t wait!
- Start saving, NOW!
– If you don’t think you can save the money necessary, you have to increase your income or decrease your budget. Maybe the kids just won’t have the coolest shoes at school, darn (insert a hint of sarcasm). Or have a yardsale – it’s the perfect time of year, and I’ve seen them everywhere!
***For next year, you should set up a Christmas savings account at your local bank. I have one, and have for years! I LOVE IT! Every pay check I put a set amount of money aside. The great thing about this account is that I can’t take the money out until they send me a check in… OCTOBER! Perfect timing, right?
Now that we are focused on what’s most important for the holidays, family and being a steward of God’s money, I hope that we can enjoy the season like you never have before! I pray that our giving will bless others and shine God’s light into dark places.
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Well now! Have you had a day where you just can’t seem to get motivated? It always seems to be Wednesdays that are the worst! I just really don’t feel like doing a whole lot of anything! Sometimes motivation escapes us, we need SOMETHING to pick us up and shake us.
Today, while teaching, I actually put a book on my head to try to get my student’s attention, and when that didn’t work I grabbed an old student’s model of a rocket and started waiving it around like a pointer. Yes the book was still on my head. Finally, my talkative 7th period class got the message and settled down.
Do you ever have those days when you are the student? You can’t seem to focus on the important things or get motivated to complete the task at hand? I sure do! And when that happens I take the following steps to get focused again.
Steps to Beat the Hump Day Blues
- I tune into my favorite christian radio station (most often) or another positive radio station, the oldies are always goodies! This helps me get into a more positive mood.
- Say a prayer for focus. Ask God to help you keep a positive mindset and focus on completing your task.
- Make a list. The most important task goes first. The least important task goes last. Stick to the list- NO DEVIATION! This is your memory, since obviously your brain has kicked your real one to the curb for the day.
- Celebrate task completion. When you finish a task take a tiny brake of some kind, get up and warm your coffee or change the station, maybe scroll instagram for second. But that’s it! Two minutes tops, and you’re on to the next thing!
- When the work day is done, be proud of your accomplishments, no matter what they are. Leave the incomplete for the next day and LEAVE IT AT WORK. Give thanks to God for for a productive day!
It’s pretty easy, but SO effective! For me, it’s all about what frame of mind I’m in. I hope this could help you out a bit! What do you do to motivate yourself?
How easy is it to compare your life to other people’s lives? OMG, so easy, right? All day we are bombarded with the prosperity of others. We see people posting on social media about their new car, or pictures of their families, dressed in the latest fashions, on vacation. They look so happy! For me, it’s easy to fall into comparisons. Of course we would all like to have the latest and greatest. We start to think that these people have it together, they are prospering. We think that if only we had similar things we would be prospering as well.
As if that isn’t enough, we are hit with advertisements of things that will make our lives better too. New phones, latest model car, best laptop, the most gorgeous engagement rings. There is always something better to have, something that will enhance our lives in some way. Does it mean that we aren’t prospering if we don’t have the most up-to-date model phone? Is prosperity even about earthly things at all?
The latin word prosperus is where the English, prosper, comes from. The latin, prosperus, means doing well. With that vague of a definition it could be doing well in any part of life. We can prosper in just about anything. In the bible the term prosper is used in a couple different ways, such as a person’s health, wealth, or fullness of life. As we look through scripture, the Lord warns of wealth. Wealth can take our eyes away from God, to focus on earthly things. Many of us don’t believe ourselves to be wealthy. Though, just being born in the US or Europe has made us so, compared to the majority of the world. We have it so good here that we have time to scroll through social media on our wireless devices and contemplate what we want to do with our wealth. Should we spend it on those new shoes? Or perhaps save it for something bigger, maybe vacation! Is it wrong to have new shoes or go on vacation? Of course not, but the desire for these things can distract us from what is most important, glorifying God.
“For it is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God.”
The bible also describes the prosperity that comes from God for those who live according to his word. He uses various depictions to show that he prospers us in many ways such as health, success, and yes, wealth. I have seen this play out in my own life. When I am focused on pleasing God, on being more like Jesus, things just seems to fall into place. Just today I was given the chance to make some extra money through 1 on 1 tutoring. But this isn’t just a chance to make more money. It’s a chance to shine the Lord’s light into someone’s life. Now you can’t say that isn’t God’s work! I pray that I’m up for the challenge.
“He will be like a tree firmly planted by streams of water, Which yields its fruit in its season And its leaf does not wither; And in whatever he does, he prospers.”
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Welcome to my new blog, Prosper in Faith. I am full of anticipation of what God has in store for me through this new adventure! My purpose for this blog is to share my knowledge and my faith with you. God has placed a passion in my heart for helping others in the areas of careers, motivation, and wealth. I am by no means an expert. I am, like you, trying to navigate these waters myself. My hope is that I can share what I learn with you.
Whatever you do, work heartily,
as for the Lord and not for men,
Colossians 3:23 ESV
I believe that God has laid out a plan for us, in both our careers and in building wealth. He also is the great motivator when times get tough or when we get lazy. I hope to share with you some Bible-based ideas to finding a career, or being successful in your current career. The bible also lays out instructions on what to do with our money, and I look forward to exploring those with you.
Please, come along this journey with me. The possibilities are endless!
PB & J,
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