Christian Debt Free Living

Enjoy the good life that God planned for you!

Teacher Does Socialist Experiment on His Class

An economics professor at a local college made a statement that he had never failed a single student, but had once failed an entire class. That class had insisted that socialism worked; that no one would be
poor, and no one would be rich, a great equalizer. The professor then said, “OK, we will have an experiment in this class on socialism.

All grades would be averaged, and everyone would receive the same grade; so no one would fail, and no one would receive an A. After the first test, the grades were averaged, and everyone got a B. The students who studied hard were upset, and the students who studied little were happy.

As the second test rolled around, the students who studied little had studied even less, and the ones who studied hard decided they wanted a free ride too, so they studied little. The second test average was a D! No one was happy.

When the 3rd test rolled around, the average was an F. The scores never increased as bickering, blame, and name-calling all resulted in hard feelings, and no one would study for the benefit of anyone else.

All failed, to their great surprise, and the professor told them that socialism would also ultimately fail because when the reward is great, the effort to succeed is great; but when government takes all the reward away, no one will try or want to succeed. Can it be any simpler than that?

June 5, 2009 Posted by getfreefromdebt | Uncategorized | , , , , | No Comments Yet

Who supplies your needs?

A simple but eye opening question for today.

Are you looking to your job and your own efforts to supply your needs or are you living by God’s principles, implementing His ways of doing things and therefore seeing Him supply your needs?

May 17, 2009 Posted by getfreefromdebt | Uncategorized | , , , , , | No Comments Yet

Do You Have a Billionaire Mindset?

I bought a book last year that explained how billionaires think and why that is a key factor in their success. It all starts with something as simple as our thoughts. Interesting eh? I really agree with that.

For example, our poverty mentality says that we need to wash our own car because we want to save the $10 it would cost to pay someone else to do it. However, a billionaire sees his time as his most precious commodity and does the reverse. He pays someone $10 to wash the car and spends that hour doing something that will end up making money him a lot more than $10 in the long run. It may be reading a book on finances or listening to an entrepreneur teach about how he started a business. He sees that $10 as an investment into his future. He believes that his time is worth more than $10 an hour and therefore makes decisions with that in mind. It is the complete opposite of what our instinct tells us to do but the proof is in the pudding. The fact is that they are the billionaires so they must know what they are doing!

April 9, 2009 Posted by getfreefromdebt | Uncategorized | , , | No Comments Yet

The American Dream Is Not . . .

Contrary to popular belief, the American dream of wealth, homes, and tangible goods is not handed out for free. The American dream is earned by hard work, integrity and honesty.

Have you noticed that everyone seems to misunderstand the “entitlement” part? We are entitled to the PURSUIT of happiness. That means we are to be allowed to pursue, chase after, or work towards it. It doesn’t mean it is handed out. We are entitled to work hard, demonstrate good character, act ethically and morally, and be a blessing to others. These actions and attitudes, along with a relationship with Jesus, are what produce true happiness in the end.

We’ve seen people try to obtain wealth unethically, immorally, and without character and integrity. As we all now know, this may work temporarily but will eventually end in ruin. Unfortunately, many good people were taken down by those who were trying to take shortcuts to the American dream. It has been a painful time for many people but I hope it has brought an awakening to the corruption in our country. Jesus is coming back soon and He is coming to take the righteous (those in right standing with the Father) back home. This country needs to repent of its evil, immoral and irresponsible actions and make a turn towards the things of God. We need to pray that God will have mercy on our country and that He will hold back judgement on the nations. This may be the last chance to turn back to God before judgement comes. In spite of the tragedies around us, God still has great things in store for us. Stay close to Him and find the wonderful life He has planned for you!

March 15, 2009 Posted by getfreefromdebt | Uncategorized | , , , | 1 Comment

Are You A Warehouse or Distribution Center?

A warehouse is a place where items are stored, set aside and accumulated. A distribution center is a place where items flow freely in and out. When it comes to your money, are you a warehouse or a distribution center?

A warehouse makes me think of a stagnant pond. Without circulation things begin to die. But a distribution center has a constant flow that brings life. God is always searching for people who will be distribution centers because He wants to use them to bring life to other people.

One thing that’s important to note is that before God will start giving you money, He needs to know that you will be a faithful steward and use it how He desires. To start, He may ask you to buy a simple cup of coffee for someone. Sounds easy, right? However, He then tells you to give it to the lady you don’t like at work. Will you do it out of obedience to God or will you walk away? As we prove ourselves in these little tests He will begin to entrust bigger things to us.

My husband and I have fun giving big tips at restaurants. I love to think about how excited the waitress will be when she picks up the tip after we’ve left and finds it is more than expected. It seems simple but if we learn to hear God in these situations, we will be better able to hear him in bigger situations. I know some people who have given away cars, houses and airplanes because God asked them to. We aren’t there yet but I would love to get there some day.

If you want to learn to become a distribution center for God it is very easy. Simply make your heart’s desire known to God and ask Him to use you to reach others. It’s an exciting journey that you will never regret!

March 5, 2009 Posted by getfreefromdebt | Uncategorized | , , , | No Comments Yet

Can Money Fix Things?

There is a common misconception that preachers (or even just Christians) should give all they have to the poor and live in poverty. Here are the reasons I strongly disagree.

1. Jesus wasn’t poor. In fact, He had so much money He had His own treasurer who kept track of things. He also tells us that He came to give us life, in abundance, to the full, until it overflows. (John 10:10) That certainly doesn’t sound like He wants us to live a life of never enough and barely getting by.

2. How can you help someone else out of poverty if you are struggling? When you are focused on your own struggles, it is hard to devote any time to helping others. That is why the devil works so hard to get people to believe the lie that we are to be poor. You end up spending all of your time trying to make ends meet and trying to find out how you are going to pay the next bill. God tells us in the Bible that we are blessed to be a blessing but you can’t be a blessing if you yourself are spending all of your time working on your own problems.

3. God gives us the overflow (John 10:10) so that we can use it to bless others. Philippians tells us that God will supply all of our needs according to His riches in glory in Christ Jesus. God wants to meet our needs and give us a surplus so that we can use it to be a blessing to others.

Deuteronomy 28:11 “And the Lord shall make you have a surplus of prosperity, through the fruit of your body, of your livestock, and of your ground, in the land which the Lord swore to your fathers to give you.”

II Corinthians 9:6-11
“6[Remember] this: he who sows sparingly and grudgingly will also reap sparingly and grudgingly, and he who sows generously [[a]that blessings may come to someone] will also reap generously and with blessings.

7Let each one [give] as he has made up his own mind and purposed in his heart, not reluctantly or sorrowfully or under compulsion, for God loves (He [b]takes pleasure in, prizes above other things, and is unwilling to abandon or to do without) a cheerful (joyous, “prompt to do it”) giver [whose heart is in his giving].(A)

8And God is able to make all grace (every favor and [c]earthly blessing) come to you in abundance, so that you may always and under all circumstances and whatever the need [d]be self-sufficient [possessing enough to require no aid or support and furnished in abundance for every good work and charitable donation].

9As it is written, He [the benevolent person] scatters abroad; He gives to the poor; His deeds of justice and goodness and kindness and benevolence will go on and endure forever!(B)

10And [God] Who provides seed for the sower and bread for eating will also provide and multiply your [resources for] sowing and increase the fruits of your righteousness [[e]which manifests itself in active goodness, kindness, and charity].(C)

11Thus you will be enriched in all things and in every way, so that you can be generous, and [your generosity as it is] administered by us will bring forth thanksgiving to God.”

4. Handouts are temporary. Attitude and behavior changes make permanent lifestyle improvements. Preachers could give everything they have to the poor but once the money runs out the people will be poor again. Why? Because poverty is a lifestyle that can’t be fixed by throwing money at it.

This is why so many people have a problem with the bailout. It is giving money to people who have demonstrated irresponsible behavior. The problem is that it conditions people that you will be rewarded for bad behavior and you don’t have to be accountable because someone else will bail you out. Neither are principles that you will find in the Bible.

Before you can use money to fix something, you need to fix the underlying issue. In this case it is immorality, irresponsibility, greed, entitlement attitudes, and lack of accountability. Once those attitudes and behaviors are corrected, then money can be used to help the situation. Without a change in attitude or behaviors the same thing will keep happening because people didn’t learn the right lesson from the situation.

Perhaps the best example is the little adage everyone has heard.

Give a man a fish and he’ll eat for a day. Teach a man to fish and he’ll eat for a lifetime.

If a preacher gave all his money away he might help one person stay out of bankruptcy for a month. Now both of them are going to be need help after that month because both have run out of money. However, if the preacher teaches the man how to live, based on practical steps and Christian principles, that man will change his life. In addition, that man can now go teach others the same lesson and so on. This is how you get a generation out of debt and dispair. You preach the Gospel which means “Good News” and you teach people how to live by God’s principles.

There is a reason that God said “owe no man anything but to love him.” God knew that living in debt brings despair, hopelessness, fear, worry, poverty, etc. It makes us focus on ourselves so we can’t get out and be a blessing to others. It also takes our eyes off of God as our source and we look to our own means to supply our needs.

There is a reason that God said “where your money is your heart is also.” He knew that what you spend your money on shows what you treasure in your heart. Our number one priority is supposed to be God and if our money doesn’t reflect this, then we are treasuring the wrong thing.

There is a reason that God said “the LOVE of money is the root of all evil.” Money is not evil. It is the LOVE of it. It is when you treasure money above your relationship with God that it becomes a problem because God said “You shall have no other gods besides Me.” If money is number 1 in your life then that is your god. You have broken the first commandment.

We need to keep the right perspective on money. God supplies our needs if we put Him first place in our lives. He gives us money so that we can be a blessing to other people. Money by itself cannot fix anything. It is supposed to be a tool that helps others. We can fix things only by God’s saving grace, Christian principles and a wise financial decisions.

February 28, 2009 Posted by getfreefromdebt | Uncategorized | , , , , , | 4 Comments

What Are Your Expectations?

Can I just tell you how great my God is? This week has been a true overflow of God’s blessing and presence in our lives.

Even in this tough economy, our company did well enough last year to be able to pay out bonuses this week and they contributed matching funds to our 401K as well. God promised that in times of despair in the world, His children would have overflow to share. I know this extra income is because we have been faithful to sow seeds into God’s Kingdom and this is our harvest. I also know it is because of God’s blessing on me and my company. (Galatians 3:14, 29)

But that’s not all.

My husband has been taking a physics class which is REALLY tough. The instructor takes pride in flunking people if that gives you any idea of how bad it is. We have been praying together about the class and believing God to help him. Out of 28 people in the class, my husband just got the highest grade in the class on this week’s test. With 15 people failing the test, that is huge. Perhaps even more amazing is that my husband said he still doesn’t understand the stuff. There was no way he could have passed on his own. It had to be God who helped him through it. Neat, eh?

It gets better!

We finished our taxes this week and found that we will be getting a lot of money back. More overflow right from God!

We also received a check from my husband’s company this week to reimburse him for a class that he took.

The favor even extends to the things that seem minor. I used to tease my mom because she would pray for a good parking spot but now I find myself doing it . . . and it is awesome! I pray that God will perfect my path and have just the perfect parking spot for me when I arrive. I prayed for that on two occasions this week and both were prime spots.

The Bible tells us that if we give it will be given to us, good measure, pressed down, shaken together, running over and that you won’t have room to receive it. That is exactly how I feel this week. I feel like God just keeps pouring His blessing on us and there is so much it is running over everywhere. I even sense that we have pleased God through our simple gratefulness and our acknowledgement that it was all from Him. He doesn’t want or need our money. He wants our hearts. The Bible says where your money is your heart will be also. We have shown that our money goes first to God and that shows where our heart is. Isn’t that what every parent wants?

I heard Keith Moore say that he had a similar experience of overflow and he told God something like “That’s more than than I need.” And God responded by saying “I know, isn’t it cool?” He is extravagent but not wasteful. God not only takes pleasure in supplying our needs, He also takes pleasure in giving us above and beyond.

One reason is because we are His kids and He likes to “spoil” us. I also believe it is because through this amazing overflow we see just how big our God really is. He can move mountains. He can do above all that we could ever think or ask and that is the key that we need to keep working on. Nothing is impossible with God. However, He is limited as to how much he can do in our lives based on our low expectations. If we don’t think He can supply a pair of socks, we certainly can’t imagine that He can provide two brand new cars . . . one for us and one for us to give away. We need to raise the level of our expectations so that we can let God demonstrate His wonder working power in our lives. And through this, others will see how great our God is too!

February 14, 2009 Posted by getfreefromdebt | Uncategorized | , , , | 1 Comment

How Do You See Yourself?

Have you ever stopped to consider how you see yourself?

Do you see yourself as never being able to make ends meet?

Do you see yourself as destined for failure because of your past?

Do you see yourself as not good enough?

Do you see yourself always in debt?

It’s proven that your actions will follow what you think. So, if you identify with the above statements, then your actions are most likely going to follow. But as Christians, we have a new identity that makes us more than conquerors. We know that we can do all things through Christ who strengthens us. We know that if we put God first He will take care of us. We know that God supplies all of our needs so we don’t have to worry. When we identify with these statements, we are going to start acting as the victorious Christians we were meant to be. And, when we do this our lives will be an example to others who are struggling to find that same hope.

So, my question to you is . . . What are you identifying with?

If you aren’t sure how God sees you, I invite you to visit my online study that I call “Living in the Overflow.”

Blessings!
Christy

February 7, 2009 Posted by getfreefromdebt | Uncategorized | , , , , , , | No Comments Yet

Luxuries vs Necessities

It’s unfortunate that we sometimes only think about our finances during these tough economic times. When we are getting by, we don’t think much about buying a Starbuck’s coffee each morning, eating out at lunch, buying brand new state of the art cell phones, big screen HDTV’s, high speed internet access . . . the list goes on and on.  However, now that things are tough, I think (or at least hope) many people are starting to evaluate what’s really a necessity and what is a luxury that they can’t afford.

 

In our culture, immediate gratification and entitlement to the American dream seem to take center stage.  Living too close to the edge, paying massive interest on credit cards and gambling with flexible rate mortgages are dangerous games to play. Unfortunately, these issues have gotten many into their current predicament. First, we need to change our mindset and set some rules for ourselves and family.

1. We only buy what we can pay cash for. 

2. All credit card expenses are paid off each month.

3. I am going to re-evaluate what’s truly a necessity (food, water, shelter, clothing) verses a luxury item (cell phones, brand new cars, big screen tvs, recreational vehicles, etc).

4. I am the only one that is responsible for my life and the only one who can change my life.

 

If you don’t truly believe and follow those ideals, I think it’s safe to say you are always going to be in debt and probably expect someone else to come to your rescue. I’m not saying that getting help from others is bad. Absolutely not. Everyone runs into hard times now and then. However, I’m troubled by those who think the government is supposed to take care of them while they sit at home and do nothing. Or, those who thought they were entitled to a home but couldn’t afford it and now want my hard earned tax dollars to bail them out of their bad decisions.

 

So back to my original point. Has this tough economic time caused you to re-evaluate what you consider to be a necessity and a luxury? What have you done to cut back?

January 30, 2009 Posted by getfreefromdebt | Uncategorized | , , , , | No Comments Yet

How to Make Your Way Prosperous

During these tough economic times, everyone is asking how do I make wise decisions and become prosperous. The answer is found in Joshua 1:8.

“This Book of the Law shall not depart out of your mouth, but you shall meditate on it day and night, that you may observe and do according to all that is written in it. For then you shall make your way prosperous, and then you shall deal wisely and have good success.”

Can it really be that simple? Absolutely!

When you begin to immerse yourself in God’s ways, you begin to think and act like God. He will tell you where to invest (or not invest). He will give you favor, promotion and increase. When we live by God’s Kingdom principles, we will see God’s results in our life. Isn’t that exciting?

January 21, 2009 Posted by getfreefromdebt | Uncategorized | , , , , | No Comments Yet