Six years ago I lost a job that paid over $30,000 and I am still working to get my total income over $22,000. My wife, Kat, and I made the decision to get out of debt and stop depending upon our credit cards. We stopped using the ATM and gave up on some adventures together although we still take day trips. One thing we did not change is what we give to our church. We gave 10% back then and we still do today.
Today we have almost totally gone to a cash bases and have only about $1,500 in credit card debt. We have a house payment under $400 and do not make large purchases unless we have the cash.
Today we have almost totally gone to a cash bases and have only about $1,500 in credit card debt. We have a house payment under $400 and do not make large purchases unless we have the cash.
We have not totally adopted the Dave Ramsey "Total Money Makeover" but we are close. Another good product by Dave Ramsey is "Financial Peace". I believe if you purchase one of these books from ChristianBook.com or Amazon or at your local book store you can gain control of your finances too.
Although I believe our decision to control our debt helped us to gain control over our finances I believe the commitment to continue to give 10% to our church has gain us favor from our Creator. I do not believe the tithing thing is magical or legally binding on Christians but I do believe God honors trusting Him by doing so even in tough financial conditions.
Malachi 3: 8-11 "Begin by being honest. Do honest people rob God? But you rob me day after day.
The above is an open plead by God for you to give Him a try at His word and see how He responds.
Here are 7 things to do to gain control of your finances?
1. If you are not doing so begin to give 10% to your church.
2. Buy Dave Ramsey's book.
3. Begin to budget your money.
4. Quit using credit cards!
5. Pay off your debt, one at a time. Once you have one paid off use that extra income to pay off
the next largest bill.
6. Refuse to let what the news says to control your life.
7. Continue to have fun together.
As a result of what we have done the last six years we have decided not to participate in the 2009 recession.
Although I believe our decision to control our debt helped us to gain control over our finances I believe the commitment to continue to give 10% to our church has gain us favor from our Creator. I do not believe the tithing thing is magical or legally binding on Christians but I do believe God honors trusting Him by doing so even in tough financial conditions.
Malachi 3: 8-11 "Begin by being honest. Do honest people rob God? But you rob me day after day.
"You ask, 'How have we robbed you?'
"The tithe and the offering—that's how! And now you're under a curse —the whole lot of you—because you're robbing me. Bring your full tithe to the Temple treasury so there will be ample provisions in my Temple. Test me in this and see if I don't open up heaven itself to you and pour out blessings beyond your wildest dreams. For my part, I will defend you against marauders, protect your wheat fields and vegetable gardens against plunderers."The above is an open plead by God for you to give Him a try at His word and see how He responds.
Here are 7 things to do to gain control of your finances?
1. If you are not doing so begin to give 10% to your church.
2. Buy Dave Ramsey's book.
3. Begin to budget your money.
4. Quit using credit cards!
5. Pay off your debt, one at a time. Once you have one paid off use that extra income to pay off
the next largest bill.
6. Refuse to let what the news says to control your life.
7. Continue to have fun together.
As a result of what we have done the last six years we have decided not to participate in the 2009 recession.
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