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How To Get Everything You Want Out of Life
The Necessary Steps... FIRST, be prepared to know yourself better. A serious appraisal of your life is essential to getting what you want. If you need to get to New York by Friday, you've got to know where you're starting from. A serious...

Like It Or Not, You Have A Score To Settle!
Like It Or Not, You Have A Score To Settle! (Part 1 of 2 on Credit Scoring) by http://www.creditandyou.com Just when most people finish with school and can stop worrying about test scores, there’s a new kind of scoring that enters the picture....

Planted Upside Down
THE MUSTARD SEED - LESSONS FOR LIVING #17 Planted Upside Down There is nothing like being planted upside down. Let me tell you a true story and then I'll get into the application of the story relevant to living life successfully. Years ago I...

What Is Your Fashion Style?
When it comes to clothing do you usually stick to one particular style or should you be called a fashion scientist due to the tremendous amount of attention you pay to trends. It can also be possible that you are not aware of your personal style....

Why Budgets Don't Work and How To Fix It
Why Budgets Don't Work and How to Fix It By Terry Rigg This article is for those families that have sat down at a desk or the kitchen table time after time trying to develop a family budget that they can live with. Why don't they work? There...

 
Financial Freedom

A True Testimony of the Journey from Spiritual Poverty to Riches Beyond Measure

Having been raised/programmed with all the principals of a virtuous woman, Granny also lived in our home (a survivor of the Great Depression). Additionally, with four siblings, eight to nine people lived in our house at any given time. Parents being in mission work, we were also the 'home away from home' for uncounted numbers of leaders and missionaries.

Every which way we turned, there were lessons on being frugal - for which, funds always stretched just a little further. Also being first born, I was the closest to a big brother there was in our home. It seemed normal to carry over roles of care-taking/protector responsibilities into adult life. Neither did it help that the man I married came from a well-to-do family, for which we would not be accepted due to our financial standing.

Having already come through an abusive relationship, I concluded that if I just did all the right things, I'd never have to live like that again. Unknowingly, I placed myself in captivity to legalism.

Thus, from a variety of sources and pressures, I became a work-aholic. Religious training didn't afford the option of working outside the home. But, it did provide perhaps every feasible thing imaginable to save or make money while at home.

Among feats of putting in 16 hrs. per day for 16 yrs.; I was a foster parent to 12 children, a piano teacher, a baby-sitter, a professional rebater, groceries were not bought without a double coupon (stores hated to see me coming and I hated going - $369 worth of groceries for $53 & then to come home and match rebates was more work than any laundry day I ever saw). I held yard sales, sold craft items, even collected people's left over rummage.
Being an idea person, there was no end of ways on how to turn nickels into dimes. If my husband so much as bought a 10 cent candy bar, he was dead meat - as 'spending money' just wasn't there.

I could keep a column going on how to make a Kleenex last for three uses; how to reuse scrap paper; how to make your own Christmas post cards and name tags; how to use your talents to never have to buy presents again; and, what to do with most every piece of trash - besides trash it (to name a few).

In spite of the recession, in every way, we appeared to have 3 times our income. Though, it was impossible to make a budget with funds that weren't there and no one was the wiser. Through the years, what seemed never ending was being slammed (financially and otherwise) to such a degree that, before we could get up from one crisis, another would hit. And, no matter what image we could portray, it was never enough to become worthy in my husband's family's eyes.

Then came the day a friend, from our church, offered to do some remodeling for us. He needed the money, and we could get projects done due to the cheep rate he offered. We'd also seen that he was capable of doing good work.

It was a long story that ended with the interior of our house looking like a construction demolition sight, leaving us; $30,000 in debt for mostly destroyed materials, with an estimate of $240,000 in repairs and replacements, attorneys who wanted our case but said 'you can't get blood our of a turnip', an insurance agent and an insurance adjuster who lied and bailed on us, and an unsafe house to live in.

In addition, my husband's 15 yr. job was going down the tubes due to the administration's theft of funds. Income, hours, and benefits were being cut left and right. It wasn't even possible to file bankruptcy, as we couldn't afford the price of rent.

The hurt was much deeper than material things. It attacked my identity, took away my cover for a low self-esteem, and left me feeling broken and defiled that such a person we'd cared for, ministered to, and helped had done such a thing.

16 yrs. of labor was gone. I was 16 yrs. older than when we began. Being emotionally beyond spent, I just couldn't do it again. I would have been institutionalized before I'd have gotten up to try just one more time.

Finally completely defeated (I guess it takes more to bring down the strong), there was nothing left to do but get on my knees and ask God to give me something to hang on to - as there was nothing left inside of me. I couldn't hang on any more.

God took me down memory lane, reminding me of past experiences ... how we got married, not having yet found a place we could afford to rent and how God had provided a nice place (based upon our income) within two weeks thereafter ... how, when we moved to another state and couldn't find a place to rent that would allow children, He made a way for us to purchase a house we wouldn't have thought we could afford (sellers even helped finance the closing) ... and how, when we moved into houses that still echoed once we moved in, God filled them.

God promised there would be another house, bigger still yet, and that He would do that for us, again.

Always knowing, in my head, that we couldn't even breathe without God, I had found it difficult to give God all the credit in my heart - being that I'd worked sooooo hard! Seeing how God had been there when I hadn't recognized it as Him, I believed Him when He said He would do it, again. (After all, God had a good track record.)

So, this time, I did an about face and decided to let Him do it. All along, I'd been carrying a weight that wasn't mine to carry and I was, finally, giving it back to God. No more ideas, at all. I didn't want that load anymore!!!

With that promised and settled in my heart, suddenly, anger overwhelmed me. Once before, already being active in church, the question had come to mind, "What does Satan think we would do if he just left us alone? What is he so afraid of that he just keeps picking on us?"

I didn't know the answer, but determined I was going to find out and get even. I would take care of God's business and let Him take care of mine. Whatever God had showed me to do, that I'd put off to a better day - I would do. Whatever, God showed me to do now - I would do. What ever God showed me to do next, I would do. I would do, and do, and do, and do until I found what Satan was so afraid of. And, when I found it, I would do it. Then, Satan would be sorry he ever messed with me!

Suddenly, I realized that nothing I'd ever learned in any church, great or small, had taught me how to overcome these battles. When attempting to seek council from those thought to be spiritual, I would be shunned. In time, I came to understand that they didn't know the answers. Thus, I learned to


suffer such attacks, from Satan, silently.

Verses preached hadn't worked either. They must not mean what people think they mean. Evidently, only God knows how to defeat Satan. I determined that, if I sought God's will and instruction on every given matter, it would be impossible to fail - as Satan can't defeat God. Therefore, I decided to erase my training and start over (as a little child, ye must be born again to enter the Kingdom of God) and bring my every question to God.

(I know that's not the way man teaches it - but follow on.)

The law made nothing perfect,
but the bringing in of a better hope did,
by which we draw nigh unto God.
Hebrews 7:19

When verses spoke to me, THEN that was God speaking. And, since man's interpretation hadn't worked, I would research God's word for definition of those words ... soon learning that God is His own best commentator!

Having begun seeing the Bible in a new way, I'd search like a detective, looking for How-To's (calling them "Master's Tools"). There's a promise of God's Word not returning void. So, whenever we'd be advertising a program or church event, I'd look for a supporting verse.

Then, without proper tools to find a verse I needed, I spent two weeks, 14 hrs. per day, searching. I couldn't give up, as that would mean Satan had won. God promises, if we seek Him with our whole heart, He'll reveal Himself to us.

Suddenly, the Bible came to life! I could actually hear the words and they spoke to my heart! For the first time, I understood the Bible! It spoke to me in my language!!!

For the next several months, I wouldn't put God's word down. There where so many promises, Master's tools, and lessons to be learned - all over the place!

It was so neat! God's instruction works!!! Whatever big or little that I sought God's will on, He blessed! I learned the real meaning of "except the Lord build the house, those who build are laboring in vain - to not take the name of the Lord in vain." I also learned to let Him build mine. God provided and continued to provide tools for me to find deeper things in the Bible, as I was ready to receive them.

In the process of learning forgiveness at a level few have ever known, I came to realize that I was responsible for what happened to my house, that I hadn't sought God's will on it first. That was a pretty painful pill to swallow.

Though, God also taught me to know when to hold 'em and know when to fold 'em in terms of being manipulated by people who take advantage.

Seeking God, in all things, became my choice, as only God knows where Satan will be lurking next. Step by step, letting go of things I had been doing to keep financially afloat, I began taking God with me to the grocery store and wherever else I went.

The MOST wonderful thing, in addition to all I continued to learn, is this. I grew in a personal relationship, a moment by moment walk with God, engulfed in His love ... and finally came to terms in that I was already accepted by God the moment I received Him into my heart. I am royalty, an heir to the throne, a child of the KING!

In regard to finances, I later realized that Satan had been steeling from us all through the years - even in areas I hadn't recognized. Having once given myself too much credit as, perhaps, one of the most prepared for being frugal in the world, there were areas I hadn't even seen. Only God can defeat Satan every time!

It took 3 mos. just to clean up the construction mess enough for our house to be safe, though it never got repaired.

God gave my husband a new job (at 3 times our income) (at the very same company who'd promised him employment 15 yrs. earlier) and made provisions for finances to get straightened out - one step at a time.

However, we ran into obstacles every time we attempted to thereafter hire help and, not wanting to start another project without God's blessings, restored finances just got saved instead.

Additionally, just before God replaced lost inheritance and other things that had been stolen from us, He gave me this verse. "And I will restore to you the years that the locust hath eaten, the cankerworm, and the caterpiller, and the palmerworm, my great army which I sent among you." Joel 2:25

I had no idea what any part of that verse meant at that time. But, I knew God had just promised to replace ALL that Satan had stolen from us throughout the years. Tears of joy flowed at the awesome love of God! It was more than I'd hoped for and more of God than I had ever dared dream.

It has been 11 years since this part of my spiritual journey began. We've been free of financial bondage for a very long time now. And if not really that long, perhaps the memory has faded. God answered me in the joy of my heart. He set me free, as only He can do!

I haven't seen anything since that was enough temptation to ever go in debt again. And, the growth with God has been wonderful! As painful as the transition was, it was well worth getting to know Him in a more personal way.

The house God promised, that day on my knees, we paid cash for (paid in full). Not only did we get three times our income, but, again, we live in a house that is three times greater than our income would afford and is more than we ever expected to have in our lifetime. Only by the grace of God, over 3,300 sq. ft., and I have no doubt but what God will fill it again.

God was more interested in cleaning the inside of the cup - making it healthy and whole. And when that's done, He owns it all!!!

Having learned appreciation for the verse "he learned obedience by the things he suffered" ... when our thoughts aren't lined up with who God is and His perfect will, we're not in our right mind. Everything God asks of us will prove to be for our benefit, every hard lesson learned will turn to glory. The battles are in the mind. To take Satan by force and get our mind back, we have to start all over and come as a little child.

The greatest in the Kingdom of Heaven are the children. In all things, God is our strength and OUR GOD REIGNS!

May you find the Peace that only He can give.

In His name,

Revised © 2003 by Joyce C. Lock

Let God be true, but every man a liar ... Romans 3:4

He that findeth his life shall lose it:
and he that loseth his life for my sake shall find it.
Matthew 10:39

In addition to being a published author and poet, Joyce C. Lock created the religion column, "Christianity Made Simple" for Peru Daily Tribune, continues to write inspirational articles for area newspapers, and shares further in online and e-mail ministries.


 

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Content Menu
  • 10 easy maintenance tips vs piling on the chaos

  • 10 online dating safety tips for seniors

  • 10 powerful self defense tips for women

  • 10 steps to a dynamic relationship

  • 10 steps to a stress free holiday

  • 10 things you should know about credit cards

  • 10 tips to reduce your exposure and prevent identity theft

  • 12 signs it is really time to leave your job

  • 19 178 identity theft victims per day are you one of them

  • 1 2 3 sort your way to clarity

  • 1 2 3 stretch your mind

  • 21 no cost or extremely low cost ways to remind your special other of how much you love them

  • 3 secrets to creating passion excitement in your partner about your business

  • 4 keys to sharing intimacy

  • 5 steps to improving communication

  • 6 key reasons men and women cheat on each other

  • 7 secrets to having a financially healthy family

  • 7 things to teach your kids about money

  • about natural mineral makeup

  • accurate psychic advice

  • add a few dollars to your mortgage payment

  • african americans a look in the mirror part 1

  • african americans a look in the mirror part 2

  • anticipating your irs refund can cost you plenty

  • are you an impulse buyer

  • are you ready or not for a relationship

  • awareness

  • a 23 federal sales tax but wait

  • a crash course in tarot for newbies 1

  • a simple effective tool to get and stay organized

  • bankruptcy all about chapter 7 bankruptcy

  • bay leaf ritual for the new year

  • benefits of a relocation service

  • beyond the pain and stigma to healing

  • be cautious when using your nest egg as an atm

  • blair bribes parents and children into higher education

  • blooming boomers women and retirement

  • brilliance in balance

  • bring balance to life

  • budget leftovers

  • call of the wild

  • can christians be capitalists

  • can i afford this

  • can you see clearly now

  • cat insurance

  • chasing after child support

  • checking out potential tenants

  • check out the cheaters checklist

  • childcare finances some money basics

  • children and divorce things to consider when youre staying married only for your children

  • choosing a residential lot

  • christmas gifts making your shopping easier

  • college debt how to avoid it and how to get out of it

  • conscience

  • constructive tips about retrenchment

  • coping with difficult people

  • creatively speaking

  • credit card blues

  • crisis fund

  • dating your spouse planning an evening on the town no kids

  • deliberate attraction

  • disability insurance

  • discover your housing value system

  • divorce and children things to consider when youre staying married only for your children

  • divorce and children things to consider when you re staying married only for your children

  • domestic violence the fact behind the myths

  • dont ignore the signs how emotional infidelity can ruin your marriage

  • dont ignore the signs how emotional infidelity can ruin your relationship

  • dont worry about scrooge this christmas by shopping online youll save plenty of time and money

  • eight key nutrients to help prevent breast cancer and where to find them

  • ethnic wedding traditions

  • e book on russian women part 10

  • faqs about internet dating

  • financially stable kids prepared for college

  • financial freedom

  • financial illiteracy is a major threat to americas future

  • financial responsibility

  • first checking account when is it time

  • fun treasure hunt

  • getting kids involved in garage yard sales

  • getting over the christmas giving blues take the christmas budget challenge

  • getting paid to drive

  • get married and have fun for the rest of your life

  • get married to a guy you can have fun with forever

  • get serious about your money

  • get started managing your money

  • giving thanks for online opportunities

  • goals only work when you do

  • go ahead make dads day

  • heal thyself first

  • helpful hints for first time home buyers

  • help your marriage survive the rough spots

  • heres what they really want for christmas

  • here s what they really want for christmas

  • homeownership could it be in your future

  • home financing helpful online resources

  • home for the holidays happy times right

  • honey i cant afford the kids

  • honey rich is better

  • how did i get in this mess

  • how does an under 18 female buy on line fashion without a credit card

  • how not to get ripped off at the grocery store

  • how to be a miracle maker create the love money body and spirit you want

  • how to be motivated without a motivator

  • how to boost your credit score

  • how to choose and have the type of retirement you really want

  • how to get everything you want out of life

  • how to get through a bad day

  • how to get what you really want

  • how to live with your teenagers untidy room

  • how to make money

  • how to recognize elder abuse and protect its victim

  • how to save money on your holiday gift shopping

  • how to save your home from foreclosure

  • how to sing the song of the unsung hero on your team

  • how to stick to your budget

  • how to take advantage of low mortgage rates and not get burned

  • identity theft and the internet

  • identity theft dont be a victim

  • identity theft impacting your taxes

  • identity theft the perfect victim your child

  • if you want a date promote yourself

  • index

  • is online dating right for you

  • is your life out of control then do something about it

  • i am woman hear me roar the female homebuyer and seller part 2

  • i love that big tax refund

  • karma and the new millennium

  • kippers or red herrings

  • know your debt consolidation options

  • landlords checking out potential tenants

  • lessons about marriage learnt from riding a bike

  • lets talk about probate

  • life insurance the universe and everything

  • life insurance why theres no need to be a desperate housewife

  • life insurance wise investment in personal finance or excessive caution

  • life lessons for women

  • like it or not you have a score to settle

  • lovers quarrel

  • loves most overlooked expression

  • love s most overlooked expression

  • making room for two how to adjust to life with a roommate

  • marital bliss

  • marriage finances 101

  • marriage saving advice have a soul connection with your spouse even if all seems lost

  • memory timebox

  • money and marriage 101

  • money is a family affair

  • money making money saving tips for college students

  • money management with a new spouse

  • money worries

  • mortgage refinance 4 ways to know its time to refinance your house

  • mothers day 5 gift ideas guaranteed to make any new mom happy

  • moving home a stressful time

  • need a job

  • no invitation needed sacred children series 3 of 3

  • only you can prevent money problems

  • on the hunt for a job build professional resources

  • our kids and their money

  • paying off your credit cards and other bills

  • pay off debt now 5 steps to getting your finances in order

  • picking a new dentist on your new dental plan

  • picking a new dentist on your new dental plans

  • planning ahead

  • planted upside down

  • precious gems of wisdom

  • preparing for the worst

  • preparing your child to move

  • professionally done invitations set the tone

  • push the right button

  • reasons for breach in marital relations

  • refund anticipation loans more harm than help

  • rotator

  • safe cyber dating

  • saving money over the christmas period

  • self esteem

  • setting your financial priorities

  • setting your wedding budget

  • share little random acts of kindness

  • shoppers beware tis the season

  • show that you care with car magnets

  • signs of infidelity 21 categories of telltale signs

  • single mother on a budget

  • some initial thoughts on creating wealth

  • sorting your money

  • speak up or sit down

  • spending more than you make

  • springtime money laundering

  • spring is sprung

  • starting over

  • stress reduction tips for parents

  • surviving life after divorce

  • tackling the transition the confident navigation of a career change

  • take the first step action is the cure

  • ten financial tips for women

  • ten ways simplify your financial life

  • theres more to preparedness than food

  • the 6 top causes of dry hair 4 of them potentially serious

  • the attack defense of the mail order bride business part two

  • the avoid debt secret

  • the changing shape of family finances

  • the dangers of a me first marriage

  • the economics of true love

  • the guide to changing your name after marriage

  • the heat of desire

  • the prenuptial agreement dilemma

  • the quest for a quality nursing home

  • the simple 10 debt elimination solution

  • the untoldtruth about mentors and why you dont need one

  • thinking about a resort retirement home

  • times are changing for woman entrepreneurs

  • tips to follow before you make an online student credit card application

  • top 10 secrets to avoiding marital money chaos

  • top 10 ways to jumpstart your new years finances

  • top ten things to build a bridge and get over

  • travel health insurance reimbursement depends on following the rules

  • trust in marriage

  • try to avoid probate

  • two income households

  • unique gifts ideas for all seasons

  • university a course in personal finance

  • using the internet to manage your familys finance

  • vacation values

  • value cant be priced

  • warning for parents your children may be having lead for lunch

  • wedding budgeting tips

  • whats your communication style

  • what are you planning to achieve by the end of the year

  • what every work from home want to be should know before diving into telecommuting

  • what is ayurvedic medicine

  • what is your fashion style

  • what it takes to start an offline business in retirement

  • what to pay when you cant pay everything

  • what to pay when you can t pay everything

  • what you need to know before starting a low carb diet

  • where does your money go taxes

  • whole brained grandparenting the baby gift

  • who will be their guardian

  • why budgets dont work and how to fix it

  • why budgets don t work and how to fix it

  • why corporate wellness programs dont work and what does

  • why have a budget analysis

  • why mothers should engage in home business

  • why student loans are better than credit cards

  • why talk about your finances to strangers

  • why women make better investors than men

  • why worry about your children

  • will your children take a one way ticket to needle death

  • women and friendship is it as good or better than chocolate

  • women retirement and social security

  • work as a spiritual calling 7 steps to heeding your lifes calling

  • wouldnt it be nice if time grew on trees

  • yes you can budget

  • your checking account

  • your consumer rights

  • your finances

  • your home and your golden years

  • your instinct is your life blood says author

  • your social security

  • you lost your debit card how much do you pay

  • you want to be a stay at home parent