- Beans and Rice anyone? Yes this is what we're going to be eating to stretch our weekly budget and food.
- Homemade everything: muffins, cookies, pizza, yogurt
- only super cheap chicken (chicken fryers .50clb) no beef, turkey, or fish or other meats. accept for hotdogs and bologna for school lunches.
- cut the junk food and eating out, no date nights, haircuts, etc, cheese accept the cheapest real sliced cheese and once a month shredded cheese.
- live below your means now so you can get out of debt and have more to live with and give with.
- Be Free! Be content with less and pray for those in 3rd world countries who wish they had what you had that will give you a change of mind and heart.
- Some cheap foods are: potatoes, in season fruits, vegies, can peas, corn, green beans, some frozen fruit n vegies, rice n beans in the bulk, flour (homemade), homemade salsa ingredients, oatmeal, ramen noodles, whole grain pastas n noodles n vegie (more filling too).
Friday, April 29, 2016
Please tune in to my facebook page for lots of resources not found over here. I'm also maybe going to create pinterest boards we'll see how that goes. Stay encouraged in Christ's Love!
Monday, April 25, 2016
Do not be a slave to the lender!
A borrower is slave to the lender.
Credit Card, Student Loan, medical debt these all can cause us grief,
money is the #1 cause of arguments leading to divorce in marriages.
Let's put God back as priority #1 and slay the debt devil with the full armor of God!
Most will laugh at you, mock you and tell you that's impossible! Let them. I know that all things are possible with Christ as the Head of my house guiding and leading my husband and my finances. The key is contentment and living below your means. Christ is my strength! Philippians 4:13
My husband finally joined me in this debt-free journey December 2015 he took a 2nd job we saved our emergency fund which is following the Dave Ramsey Program Baby Steps you can learn for free on youtube.
We then got a fat income tax refund and used that to pay off our bank loan of $2800 bucks and a couple of other cc debts. We had to use $500 of our e.f. to pay for tires n a new battery for my car. We refilled the e.f. and eventually I convinced Joseph to quit his d.r. job because I was not content is what it boils down to and lost focus. This was after I decided to take a pt job working for dominoes as a delivery driver the same job my husband took. So, he put in his 2 weeks notice and i was going to work his shifts that lasted for a month until I quit due to a coworker i couldn't get along with him telling me what to do being ocd and im pretty sure he was too. That was difficult to feel like I let down my husband and myself as I've always quit jobs but I did stick with this one longer than i wanted to. We didn't make much progress in the debt-free area in fact I decided without consulting my husband to use our e.f. to pay off a debt. After that we couldn't save anything my car needed more work $1k worth actually and $800 of it we agreed to pay for with a cc check that would be 0% for 12 months. Afterwards i felt so guilty and knew that was the wrong choice.
A couple weeks ago April 15th I think it was Joseph and me decided after he had been looking for a ft replacement job with nothing close to his current pay that he would work at dominoes again pt.
He's earned $150 so far and we will be living on less than his ft paycheck of $400 a week giving us an extra $100-$150 on average to put towards saving our e.f. b.s.1 and then paying off debt b.s.2.
So we will have about $1600 a month to go towards the baby steps.
Our goal is to have our emergency fund of $1k to be funded in 2 weeks, we have: $115 now and by the end of the week will have about $50-$75 more from his paycheck.
Our Total Debt: $26k
Start Baby Step 2: May 9th
Complete BS2-Debt Free: May 2017 or 12 months.
We are going to celebrate after we complete BS1 with an XL Dominoes pizza 1/2 off!
and each step debt we pay off or maybe every month we will celebrate our progress
with a special memory that will bring us closer together as a family and we will
be enjoying our hard work and progress towards freedom from debt!
Stay Focused! Stay Encouraged!
Sunday, April 24, 2016
Saturday, April 23, 2016
Thursday, April 21, 2016
God has a plan for us! Even before I knew Jesus as God and the Lord of my life I believe He saved me from ultimate death and prepared me for His plans for my life. He has a plan and a future for my children. My youngest is four and once when my husband was praying and mentioned God our son said, "God, Jesus is God." Wow! to have such an understanding at such a young age. Even after my husband and me recommitted our lives to the Lord we didn't know that Jesus was God; without doing some studying and praying. That leads me to believe:
Proverbs 21:30 "There is no wisdom, no insight, no plan that can succeed against the ."
The Lord gives us a great map to help us stay on the narrow path it's in the Holy Bible and here is one of the markers on this map which will keep us on the Lords path:
Proverbs 21:21 "Whoever pursues righteousness and love"
Righteousness is acting in accord with divine or moral law, free from guilt or sin
Righteousness=Prosperity=honor and life (eternal) Romans 2:7-8
For Further Study:
Israels Covenant with God- Promised Life and Honor
Blessings for Obedience Deut. 28:1-19
Righteousness and unfailing love Exodus 34:5-7, Deut. 7:9-11
The First and Greatest Commandment this is how we are to follow the law but are not bound to it: LOVE this is how Jesus Christ shattered the impossible laws of the old covenant and it's how we stand in righteousness and follow Gods plans for us: We Love the Lord God first and foremost and Love our neighbors as ourselves. We show others greater love, compassion and mercy.
Have you been standing on your own plans?
How will you change and make God first again in your life?
Have you been less than loving to your neighbors?
How will you change and treat them the way you would want to be treated?
Next Study:Matthews 5:6
The Blessings of Jesus-Beatitudes Matthew 5:3-12
Stay Tuned and Stay Connected with the Words of Encouragement from the Word of God's Holy Bible!
Tuesday, April 19, 2016
Sunday, April 17, 2016
"And I want women to be modest in their appearance. They should wear decent and appropriate clothing and not draw attention to themselves by the way they fix their hair or by wearing gold or pearls or expensive clothes. For women who claim to be devoted to God should make themselves attractive by the good things they do."
1 Timothy 2:9-10 NLT
"Your beauty should not come from outward adornment, such as elaborate hairstyles and the wearing of gold jewelry or fine clothes. You should clothe yourselves instead with the beauty that comes from within, the unfading beauty of a gentle and quiet spirit, which is so precious to God. "
1 Peter 3:3-4
Friday, April 15, 2016
Tuesday, April 12, 2016
Please read all of Genesis 3 Chapter before viewing this study.
this commentary is for vs. 17-19 from the NLT Study Bible God highlighted his original command not to eat the fruit by speaking of eating several times in these verses. The judgement affected humanity's ability to get food, and it was proportionate to their offense of eating what had been prohibited. The relationship of the man to the ground was now antagonistic as judgement fell on his primary role. He must labor and toil to work the ground, but with diminished productivity. Human sin has broad effects on creation (see 4:12, 6:7, Lev. 26, Deut 11:13-17, 28, Rom 8:22)
vs. 21 God mercifully provided more substantial clothing for Adam & Eve before expelling them into the harsh environment outside the garden. Mercifully God prevented humankind from eating of the tree of life and having to live forever in a fallen state. Through Jesus Christ, however, eternal life is once again made available. (see Rev 2:7, 22:2,14,19)
vs 23: Before the fall, the garden was a sanctuary in which humans could move freely in God's holy presence. Now their sin required expulsion from that environment. This same principle was behind the laws that restricted an Israelite's access to God's presence in the Tabernacle or temple (Lev 16:1-2, Num 5:3)
vs. 24 In Genesis, movement eastward often implies leaving the presence or blessing of God, whether in judgement, or estrangement.
Revelation 2:7 commentary- The reward for obedience is fruit from the tree of life-that is eternal life.
Revelation 22:2, 14, 19 commentary- vs.2 Although humans were denied access to the tree of life after they sinned it is now freely available. The tree on each side of the river shows that there is no wrong side of the river in heaven. The tree produces twelve crops each month, demonstrating God's constant provision.
vs. 14 In response to the connection between actions and ultimate results, the seventh blessing of Revelation promises acceptance for those who wash their robes-those who have been purified by trusting in Christ and following him faithfully. (Read all of Revelation for a deeper understanding)
vs. 19 Since the time of the early church, the scope and the content of the NT has been established as the measure of the Christian proclamation (see After the Apostles pg 221 from the NLT study bible)
If you would like to further your understanding of these passages heres a link to the Study Bible i use and has been very helpful for me to understand the Word of God from the Holy Bible:
I dont get payed anything from CBD for these referrals I wish I did, ha, ha but I've yet put any focus on making money from my website as I care about encouraging and informing you more than anything and trust God to continue providing for my families needs from my husbands job as He has the last 6 years of our marriage. God is a loving Father and good provider!
Please make sure to follow me for mostly daily posts and my fb pages for more resources and encouragement: WordsofEncouragement
Monday, April 11, 2016
Matthew Henry Concise Commentary
Purge me with hyssop, with the blood of Christ applied to my soul by a lively faith, as the water of purification was sprinkled with a bunch of hyssop. The blood of Christ is called the blood of sprinkling, Heb 12:24. If this blood of Christ, which cleanses from all sin, cleanse us from our sin, then we shall be clean indeed, Heb 10:2. He asks not to be comforted, till he is first cleansed; if sin, the bitter root of sorrow, be taken away, he can pray in faith, Let me have a well-grounded peace, of thy creating, so that the bones broken by convictions may rejoice, may be comforted. Hide thy face from my sins; blot out all mine iniquities out of thy book; blot them out, as a cloud is blotted out and dispelled by the beams of the sun. And the believer desires renewal to holiness as much as the joy of salvation. David now saw, more than ever, what an unclean heart he had, and sadly laments it; but he sees it is not in his own power to amend it, and therefore begs God would create in him a clean heart. When the sinner feels this change is necessary, and reads the promise of God to that purpose, he begins to ask it. He knew he had by his sin grieved the Holy Spirit, and provoked him to withdraw. This he dreads more than anything. He prays that Divine comforts may be restored to him. When we give ourselves cause to doubt our interest in salvation, how can we expect the joy of it? This had made him weak; he prays, I am ready to fall, either into sin or into despair, therefore uphold me with thy Spirit. Thy Spirit is a free Spirit, a free Agent himself, working freely. And the more cheerful we are in our duty, the more constant we shall be to it. What is this but the liberty wherewith Christ makes his people free, which is contrasted with the yoke of bondage? Ga 5:1. It is the Spirit of adoption spoken to the heart. Those to whom God is the God of salvation, he will deliver from guilt; for the salvation he is the God of, is salvation from sin. We may therefore plead with him, Lord, thou art the God of my salvation, therefore deliver me from the dominion of sin. And when the lips are opened, what should they speak but the praises of God for his forgiving mercy?
Friday, April 8, 2016
You Are Significant! “So don’t worry about these things, saying, ‘What will we eat? What will we drink? What will we wear?’ 32 The...