Are you embracing the 4 C’s of financial literacy?

Video Courtesy of NABE Webinars


A lot of people have heard of the phrase “it takes a village to raise a child”. I was thinking the other day, the reason why people have a sense of belonging for a community or a city or an estate is because of the people who live there. The experiences and support they bring to that environment promotes a positive culture that draws everyone who lives there to feel as though they belong. They become protective and nurturing of their “village”.

That is the same way we should think about our finances. You do not get to financial stability and freedom by guesswork, feelings or emotions. It is an act of intentional commitment, discipline, education and accountability and it will involve you, and those you are willing to listen to.

I am a firm believer that money is a magnifying tool that reveals the intent and the character of your soul. Who you really are will always be revealed in the abundance of money or lack of it in your life. I have been around people who seemed humble and kind when they did not have money, until they reached a place of financial prosperity. All of a sudden, a sense of being rude and dismissive becomes appealing as though it is supposed to be fashionable. Pride becomes a regular smoothie partaken to make sure that you prove to everyone you made it.

On the other hand, having a lack of money can bring out the insecurities, fear, withdrawal and lack of confidence of embracing true purpose. I have also seen people sabotage great relationships, their integrity and character, because the struggle of not having enough turned them to desperation. They ended up doing things they wished they had not, or going back into situations they should not have, to get back to that place of financial comfort.

The reality is, having financial stability is a great feeling. Waking up each day with the amazing peace that you can pay every bill or anything you owe and have so much left over is a wonderful blessing to experience. However, the biggest mistake we make including myself is, camping in that place of wishing that could happen if we are not yet walking in that reality.

To embark on a journey to success regarding your finances, it has to begin with your outlook. What do you think of yourself regarding money? Proverbs 23:7 KJV states “As he thinketh in his heart, so is he”. Your outward behavior and reaction including your relationship with money is a direct reflection of how you think about yourself.

To create an outlook that will push you and motivate you to a healthy relationship with your finances, including being vulnerable and honest with yourself, as to why you push yourself each day to financial success, practice the “4 C’s to a positive outlook on money” as given to me by Holy Spirit”:

1. Courage

Be willing to face yourself and examine the true motives of your heart. How do you view money? Is it dreadful? Are you stressed out every time its payday or do you have a heart of gratitude for Gods provision? Are you courageous to admit that a lack of money has created a void that you need God to fill? Are you willing to admit that you have used money to attain a status that will make people like you? You have to be courageous to face yourself on your outlook of money.

2. Commitment

You have to commit to change. Denial is not a choice. It is an invisible wall that you create in the circumference of your mind to convince you to cope with the assumption that everything is okay when it is not. Commit to have a positive outlook regarding money. This will give you a fresh perspective of the root cause of your behavior and relationship to money. If money is a tool that motivates you to live a purposeful life, it will be revealed and you will be encouraged to continue working hard. If it is not, you can pause and find out why and adjust your outlook to route you in the right path.

3. Confidence

Confidence is very connected with faith. God always tells you to believe the opposite of what you feel or see. Sometimes at your worst, when you are experiencing lack, God encourages you that “He is your Shepherd and you shall not want” Psalms 23: 1.

As a child of faith, you have to remember that God orchestrates each of our steps and as we live yielded to Him, He will guide us to wisdom, knowledge, education that will equip us to great stewardship. However, we have to first be confident in Him. I am learning that daily, God never gets tired of empowering us with confidence. Seek Him, ask Him, He is right there, and He is willing to release to you the measure of confidence you need to handle the financial obligations at hand.

4. Consistency

Consistency is what icing is to a cake, what syrup is to a pancake, what salt is to soup. Have you ever had soup with no salt? There is no taste to it. But you add a bit of salt and the flavors seem to be awakened as you drink it. It is the secret ingredient that so many of us miss. We start, but don’t finish. We set the budget, but don’t follow it. We open the savings account, but never deposit any money in it. I look at consistency as pacing yourself to savor the sweetness of life.

I love drinking tea. I specifically enjoy a nice cup of Kenyan brewed tea. It takes a special skill to brew a really good cup of Kenyan tea. To add up the flavors and make sure the taste of it is not bitter. The key is time. I consider myself a “master” at making tea especially for a large group of people but, it took me years and years of making tea everyday to learn. I could make tea in my sleep. Was it exciting? No! In fact, sometimes I dreaded it. But, when I see people close their eyes and smell the tea as they drink it with a smile and savor the taste, it brings me great joy!

It is the same way with consistency. You are not going to have butterflies and feel a sense of excitement truth be told you may get bored, not want to do it, dread it, but that is when you should do it. Be consistent in your commitment to be courageously confident about your outlook on money and watch how open you will be to learning how to be a wise steward of what God has blessed you with.

 

No Bias in Christ

No Bias in Christ

Scripture: Galatians 3: 18-29 NLT

18 For if the inheritance could be received by keeping the law, then it would not be the result of accepting God’s promise. But God graciously gave it to Abraham as a promise.

19 Why, then, was the law given? It was given alongside the promise to show people their sins. But the law was designed to last only until the coming of the child who was promised. God gave his law through angels to Moses, who was the mediator between God and the people. 20 Now a mediator is helpful if more than one party must reach an agreement. But God, who is one, did not use a mediator when he gave his promise to Abraham.

21 Is there a conflict, then, between God’s law and God’s promises?[a] Absolutely not! If the law could give us new life, we could be made right with God by obeying it. 22 But the Scriptures declare that we are all prisoners of sin, so we receive God’s promise of freedom only by believing in Jesus Christ.

23 Before the way of faith in Christ was available to us, we were placed under guard by the law. We were kept in protective custody, so to speak, until the way of faith was revealed.

24 Let me put it another way. The law was our guardian until Christ came; it protected us until we could be made right with God through faith. 25 And now that the way of faith has come, we no longer need the law as our guardian.

26 For you are all children[b] of God through faith in Christ Jesus. 27 And all who have been united with Christ in baptism have put on Christ, like putting on new clothes.[c] 28 There is no longer Jew or Gentile,[d] slave or free, male and female. For you are all one in Christ Jesus. 29 And now that you belong to Christ, you are the true children[e] of Abraham. You are his heirs, and God’s promise to Abraham belongs to you.

 

There is such a joy and peace to know that we serve a God who has created a way for all of us to understand that we are one in His presence. This scripture is a reminder of the viewpoint of God regarding unity and oneness.

For those who desire to come into the Kingdom of God, it can be difficult to get to Him if all they see is the bias and prejudice that sometimes exists in our society. That mindset can be applied to their own personal relationship with God. They may think that He is a biased God who picks and chooses who to bless.

Have you felt that way? Has the enemy convinced you that there are certain blessings you cannot attain in this lifetime? May you be encouraged by this scripture to know:

  1. We are all the children of God by faith in Christ

This means we all have the privilege of being blessed by God. Remove the fear, distrust, and doubt that God will not bless you because of your social status, race, or whatever bias you face. Ask and believe in faith that God is able and desires to give you all blessings that pertain unto life and godliness.

 

  1. We are one in Christ Jesus

The Lord desires for us to view one another as one. If one person hurts, we hurt as well. Considering this fact will open our lives to embrace compassion, empathy, and kindness. The next time you want to be quick to judge or scorn another brother or sister in Christ, remember that we are one in God’s eyes. Ask Holy Spirit what He desires for you to do and place yourself in that person’s shoes to ensure that the decision you make in thought or actuality will be pleasing to Him.

 

  1. We are heirs to the promise because we are Abraham’s seed

Recognizing that we are one in Christ Jesus allows us to ask boldly for all the promises that were provided to Abraham. It is easy to read the Word of God and look at what God blessed Abraham with and think that those blessings were only for him. However, Abraham is no longer living but those promises God gave him, still exist. Why won’t you claim them? God desires for you to experience the joy and breakthrough that Abraham received.

 

 

 

 

 

 

The love of God is not a feeling, but it is His Word in manifestation. This week, begin to think about the promises of God that are accessible to you, and have not been activated in your life.

 

  • Why are they not manifesting in your life?
  • Have you positioned yourself to ask and believe in faith that God can do it?
  • Do you have stewardship principles in your life to ensure those blessings are passed on to future generations after you? Who will gain from your blessings and breakthrough?

 

It is time to walk in the fullness of what God has for you. Believe that He is more than able to bless you with an abundant life and wants you to experience all that this life has to offer you. All you have to do is ask in faith, believe, and receive it by preparing for the manifestation of what you ask Him. He will bless you according to His Word and His will for your life.

Prayer

Dear God,

I am grateful for the clarity you bring through your Word to remind me that I am just as qualified for your favor, love, and blessings as Abraham was. I boldly begin to believe and ask by faith for everything I need.

Teach me the discipline to steward what you have placed in me so that I can pass it on to future generations and become a carrier of the many blessings that you will bestow upon me. My mind is being transformed to believe for the best and view myself as a partaker of the blessings that Christ has to offer.

Thank you for this reminder. I am loved by you.

Amen.

Devotion: Life has a louder voice

Scripture Reference

Matthew 28:1-10 NLT

1 Early on Sunday morning,[a] as the new day was dawning, Mary Magdalene and the other Mary went out to visit the tomb.

Suddenly there was a great earthquake! For an angel of the Lord came down from heaven, rolled aside the stone, and sat on it. His face shone like lightning, and his clothing was as white as snow. The guards shook with fear when they saw him, and they fell into a dead faint.

Then the angel spoke to the women. “Don’t be afraid!” he said. “I know you are looking for Jesus, who was crucified. He isn’t here! He is risen from the dead, just as he said would happen. Come, see where his body was lying. And now, go quickly and tell his disciples that he has risen from the dead, and he is going ahead of you to Galilee. You will see him there. Remember what I have told you.”

The women ran quickly from the tomb. They were very frightened but also filled with great joy, and they rushed to give the disciples the angel’s message. And as they went, Jesus met them and greeted them. And they ran to him, grasped his feet, and worshiped him. 10 Then Jesus said to them, “Don’t be afraid! Go tell my brothers to leave for Galilee, and they will see me there.”

Death has a sting, a pain that can linger and never leave the soul. The death of Jesus by crucifixion was not a glamorous thing to behold. It was painful, tormenting, heartbreaking and shattering of any form of hope for those who were present. As we read the journey He took, the imagery that plays in our minds reveals how difficult this moment of destiny was for Jesus and His disciples.

When He died, I can imagine a pain of finality that may have been felt by those who loved and cared for Him. Losing someone dear, someone you love and care for is not easy. Losing them to a painful death can be heartbreaking and it can create a traumatic scar that never leaves.

It was important for Jesus to rise up again because the only voice that is capable of shutting down the loud voice of death is life. When He rose on the third day, the powerful testimony of His resurrection was a reminder for believers all over the world to believe, and hope again.

Have you dealt with situations that seem final to you? Are you plagued with thoughts of feeling that life is not worth living? Do you sense or feel that you are at the end of your road? If your answer is yes to any of those questions, you need to fight to live. If you need help, you can get it.

Living and moving conscious of daily decisions that push you to choose better, act wiser, and try for the best takes courage and sometimes can be a battle of the will. However, life has a louder voice than death. The dead cannot breathe air or experience moments.

Do not allow the finality of circumstances, trials, or tribulations make you feel as though life is not fair or worth it. You matter, and your presence in this life, living and learning and growing allows you to make a greater impact than being dead and in the grave. Fight for your dreams, push yourself to achieve the best that you can in this lifetime and believe God to make your life worth living for, because it is.

Prayer

Dear Father,

Thank you for what you did for me through love, by sending Jesus Christ to die for me. I acknowledge the power of the cross and the reminder that you desire for me to live. Help me today to push myself to live life with joy as Jesus died for me to be filled with peace and joy. Teach me how to maximize my days, weeks and months with what matters, and show me how to use my time here on earth wisely. I desire to live a fulfilled life, and I trust you that you will show me how to.

 

In Jesus Name,

Amen

It’s Time to Take Control of Your Financial Health

Video Courtesy of CBN – The Christian Broadcasting Network


Recently, a co-worker shared something that enlightened me. They always used a financial counselor to advise them on various decisions that they needed to make regarding their finances and investments. However, they didn’t seem to be satisfied with the outcome of their investments.

They shared with me that, after talking in detail with their spouse, they decided to learn more about investments and the stock market. They signed up for classes and realized they could actually manage their own financial portfolio. They took charge of their investments and began to see a positive turnaround within the first few months of releasing their financial counselor.

They seemed confident about what they had learned and we’re looking forward to managing their financial portfolio in the months and years to come.

The biggest fear that many people have, is the fear of not knowing what you don’t know. That sounds odd but it is true. What you do not know about your finances, or financial health, may seem scary to some to the point of denying its existence or choosing to deal with it when things get really tough.

God desires for us to have balance in everything we do. Having the confidence to handle your finances is a commitment you have to make to yourself. Hosea 4:6 states “My people are destroyed for a lack of knowledge” KJV.

If people are bold enough to admit they do not know, they take the time to educate themselves in the areas that matter to them. So, why not us, children of the faith?

There are so many resources on finances. The question you need to ask yourself is, “What is my area of struggle when dealing with money?”

  • Is it a saving problem? Most likely you have not established boundaries and self-control, and you may need to set up a budget to stick to it.
  • Do you have unrealistic goals and expectations that leave you disheartened each month when you review your finances? Set goals for yourself that will boost your confidence because you are able to achieve them. This will result in becoming a better steward of your money because you have established a level of faith in yourself that you are capable of meeting goals when you set them.
  • Are you drowning in debt? Find out the exact amount that you owe so that you can establish a precise plan of tackling it.

When it comes to money, you have to be bold and face the issues head on. If you are tremendously blessed financially and have no issues with money, find ways to educate others to live in that liberty that you have been blessed to experience.

I learned a great lesson from that co-worker. What you don’t know, you can learn, and what you learn can enlighten you to make better and sound decisions that can position you financially to be in a stable place.

Are you ready to face what you don’t know about your finances? Start today. Learn something. It could serve as the trigger of change to a great financial future for you in the years to come.

Devotional: Creation awaits you

Devotional: Creation awaits you

Scripture: Romans 8:18-30 NLT

18 Yet what we suffer now is nothing compared to the glory he will reveal to us later. 19 For all creation is waiting eagerly for that future day when God will reveal who his children really are. 20 Against its will, all creation was subjected to God’s curse. But with eager hope, 21 the creation looks forward to the day when it will join God’s children in glorious freedom from death and decay. 22 For we know that all creation has been groaning as in the pains of childbirth right up to the present time. 23 And we believers also groan, even though we have the Holy Spirit within us as a foretaste of future glory, for we long for our bodies to be released from sin and suffering. We, too, wait with eager hope for the day when God will give us our full rights as his adopted children,[a] including the new bodies he has promised us. 24 We were given this hope when we were saved. (If we already have something, we don’t need to hope[b] for it. 25 But if we look forward to something we don’t yet have, we must wait patiently and confidently.)

26 And the Holy Spirit helps us in our weakness. For example, we don’t know what God wants us to pray for. But the Holy Spirit prays for us with groanings that cannot be expressed in words. 27 And the Father who knows all hearts knows what the Spirit is saying, for the Spirit pleads for us believers[c] in harmony with God’s own will. 28 And we know that God causes everything to work together[d] for the good of those who love God and are called according to his purpose for them. 29 For God knew his people in advance, and he chose them to become like his Son, so that his Son would be the firstborn[e] among many brothers and sisters. 30 And having chosen them, he called them to come to him. And having called them, he gave them right standing with himself. And having given them right standing, he gave them his glory.

As a true child of God, there is a power and authority that we are expected to walk in and manifest. At times, the problems we see in the world create hopelessness and despair as many ask themselves, “where is God?” These are signs that there is a need for solutions from the Church of Jesus Christ.

What if our faith in God could push us to fulfill our destiny? How many times have you wallowed in sadness and discouragement wondering what will happen with your life? We may be the answer to the world’s problems.

In Romans 8:18-30, we are reminded of the beginning in the book of Genesis where the Lord gave man authority as a caretaker of the garden of Eden. That level of responsibility meant that humanity had the power to creatively come up with solutions that would impact creation.

 

Every day, there seems to be a new problem in our society. There is always something pending that should be handled or taken care of. This scripture is a reminder that the God we serve has great confidence in us to come up with solutions that will create positive changes.

Creation is yearning for us as children of the most High God to awaken to our divine collaboration with the Lord caretaking and providing answers to every day questions and problems. If humanity can creatively come up with a strategy and a means to travel to the moon, there is a grace that is in us to come up with answers that will transform the world we are living in a day at a time.

All it takes is a perspective of faith, belief in oneself, trusting the power of God in you, and looking around to see the problems that need to be solved. Instead of waiting and wondering what your life is about, be proactive in using what God has given you to make the world you live in a better place.

Prayer

Dear Father,

Today I ask for a change in mindset. Teach me how to think like a winner and a solutionist. Instead of complaining about the problems in my life, help me to look for opportunities to make a change. Reveal to me the gifts and graces you have bestowed upon me and help me to create answers. Let me be confident in your ability to assign me as a caretaker of the world I live in. Make it a personal responsibility to make a positive change. I believe I can do it. Show me how to do it, so that I may please you as a compliment of your faith in me.

 

In Jesus Name,

Amen