The Power of Debt


Buried for my sins or resurrected for my life?

The Power of Debt

I was having a chat with my son the other day and he asked me, “Dad, if you lived your life over again, would you change anything?”

I had a little chuckle, knowing there would probably be a number of things I would do differently. However, without any doubt, I replied, “I would certainly live my life without debt… all my 45 some years of working life, I had debt of one sort, and I now see how much time and stress I went through to pay it back…on the treadmill of debt payment – day in and day out”.  

Had I not chosen to use debt, I realised things would probably have been a lot more difficult, but one thing is for sure…. I would have had a lot more peace of mind.

The scriptures are very clear when it comes to debt – NO debt – not any kind of debt – except to owe others love. Proverbs says those who borrow become a slave to their lender. Think about this. As we borrow money – or anything else – we have to pay it back. Immediately we complete the borrowing transaction, we put a yolk around our necks and begin the treadmill of repaying. Interest rates can go up and borrowing conditions can change but as slaves, we are powerless to complain.

As people go about their daily lives, some appear not to be concerned about their commitment to repay, while others are deeply troubled and find themselves worrying about the fact that if they lose their jobs, they have no means of meeting their commitment. Worry is borne out of the fear of not being able to repay. Are we one of those who are constantly walking around with a dark cloud of worry over us? More than likely debt is the cause.

The accuser of the brethren, the devil, has a wonderful time with this topic. Fear does not come from the Lord. Fear is a great tool for the accuser. In Ephesians, we see how easy it is for us to “indulge in the desires of the flesh and the mind”. How easy it is for us to fall victim to fearful thoughts. Fearful thoughts cause us to worry. Worry will lead us into depression. Worry will make us physically sick.

How many times have we prayed asking God to bless and prosper us, when we continue walking outside of His principles by making more debt? It simply cannot make sense to God to prosper those who do not obey Him. Would you keep giving money to a compulsive gambler who consistently squandered it?

DEBT FREE = FEAR FREE.

So what can we do to get out of debt? As with any negative situation, we first need to acknowledge that there is a problem. Next we need to ask God to partner with us in order to find a solution. We need a renewal of our thinking. If we continue to do the same things in our life, we will end up with the same results. Different results require different inputs. “Lord please change me”.

With the leading of the Holy Spirit, write down a plan of how you can begin immediately to reduce your debt. Implement the plan and be disciplined to stick to it. This requires us to pay attention to the battle which will be present in our minds – the battle to try and get us to stay with our old way of thinking. However, we see in Romans, that we are no longer slaves to our old way of thinking. Believe this verse by faith and be diligent to “stick to the plan”.

As you make up your mind to commit yourself to this challenge, God is faithful to bless your obedience. Immediately you acknowledge your wrong and commit to getting away from it, His blessings will flow and what may seem an impossible hill to climb, will be complete before you know it!

Fear will no longer be part of your life and you will truly feel the power of the peace of the Lord daily, as you walk in Him.

From: “…time with the Master…”

If you feel this article has value, please send this link to others, Writings are meant for people, not for dormant files in our computers and very often when we share them, it results in positive changes in the lives of individuals and communities.

The Progressive Influence: Christianity and Modern Black ...
Jesus chases the money lenders out the Temple.

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Let’s Look at Prayer-1


Our Pastor Ray talks about Prayer

This is a four-part Mini Series on the all-important aspect of our spiritual lives – ‘Prayer.’

This series will be brought to you once weekly until it is complete.

If you feel this article has value, please send this link to others, Writings are meant for people, not for dormant files in our computers and very often when we share them, it results in positive changes in the lives of individuals and communities.

The Progressive Influence: Christianity and Modern Black ...
Jesus chases the money lenders out the Temple.

There is no copywrite on this material, you are welcome to copy and distribute. We only ask that you never sell it to anyone. John 2:25

Please feel free to send in questions (see ‘Contact’) and comments (hit ‘Comments’

button).

Eyes to See


Weekly encouraging messages from our Pastor Ray…..enjoy and be uplifted.

Eyes to See

Jesus gave us a command in Matt.28:19 to Go and make disciples. Most of us become a little concerned when we read this scripture because we think we’re not good enough to fulfill this role – and in extreme cases some begin to feel condemned. We think we need to become qualified teachers, preachers or Evangelists before we can share the word of God with others – not so.

Continue reading “Eyes to See”

You Are Special!


Vivi has subscribed the below article, be encouraged, as you read it.

Hello Sisters and Brothers!

Have you ever heard the shocking, horrible whisper. “I am not”?

You know, “I am not loved.” “I am not accepted.” “I am not special”  “I am not good enough” “I am not worthy” I am not …. You fill in the blanks.

I’m sure you’ve heard the dreadful whisper before, many times and in many ways.

The danger is that these whispers can become our core beliefs. And when that happens  they change the way we see ourselves, God, everything and everyone in life – which in turn shapes the way we relate or do not relate to the world around us.

But the fact is that the “I am not’s” are lies. God would never whisper these thoughts into your soul.

The truth is you are special. You are loved. You are unique.

You’ve probably heard it before but God never made two snowflakes alike, or an identical set of fingerprints; but not only that –  I read some time ago that every human being has a unique heartbeat. In other words, each of our hearts beat in a slightly different way than everyone else’s.

ISN’T THAT AMAZING? BREATHTAKING! AWE INSPIRING!

David wrote in PS 139 V14  

 I thank you God, I will offer You my grateful heart, for I am Your unique creation, filled with wonder and awe. You have approached even the smallest details with excellence; Your works are wonderful.

We are all unique and as such, we all have something to contribute to the church – and when I say church I’m not talking about a building. Listen to how the APOSTLE PAUL USED THIS analogy as he compared the church to a body. In 1 Corinthians 12:12-13 he wrote; “The body is a unit, though it is made up of many parts; and though all its parts are many, they form one body….”

Later on in verses 21-23 he tells us that we are all important, we all have a part to play in the body of Christ— listen to this: “The eye cannot say to the hand, I don’t need you! And the head cannot say to the feet I don’t need you! On the contrary, those parts that seem to be weaker are indispensable, and the parts that we think are less honourable we treat with special honour…”

Listen to how the Passion Bible translates V21-23

21 It would be wrong for the eye to say to the hand, “I don’t need you,” and equally wrong if the head said to the foot, “I don’t need you.” 22 In fact, the weaker our parts, the more vital and essential they are.[a] 23 The body parts we think are less honourable we treat with greater respect. And the body parts that need to be covered in public we treat with propriety and clothe them.

So, we have no excuse for saying “I’m not good enough or important enough or useful enough.” If that’s true then you are God’s first mistake and God doesn’t make mistakes! HE NEVER SAYS OOPS! He doesn’t love us because we are valuable—we are valuable because God loves us! Our value is established by the fact that He loves us, so we don’t have to earn it.

Archbishop Desmond Tutu once said, “It’s not because I am an archbishop that gives me my worth: worth comes from God free of charge!”

God’s love elevates us without inflating us and humbles us without degrading us; how wonderful is that? Don’t let the negative, satanic whispers distort the truth of who you are– trust the voice of the Father – a voice that brings healing to your soul.  Let me conclude with the magnificent words from 1 Jn 1:3. Listen to how God sees you. John wrote: “Look with wonder at the depth of the Father’s marvellous love that he has lavished on us! He has called us and made us his very own beloved children. That’s who we really are.”

Prayer
Our amazing Creator and our loving Father, thank you so much for putting us together so wonderfully; thank you for loving us so overwhelmingly; for drawing us to yourself so amazingly and for the fact that we are precious to you.
Amen

UNTIL NEXT TIME, THIS IS GG

STAY SAFE, STAY SANE, STAY TRUE.

If you feel this article has value, please send this link to others, Writings are meant for people, not for dormant files in our computers and very often when we share them, it results in positive changes in the lives of individuals and communities.

Please feel free to send in questions (see ‘Contact’) and comments (hit ‘Comments’ button).

Believing, in Business? – Part Two


Part Two

Who is the CEO of your business?

15. Did you need capital to start your business, and if you did, do you mind telling me how much?

“As mentioned, by Gods grace I didn’t need a capital amount up front to start the business. I had no money of my own and I didn’t want to apply for a bank loan. We bought the business for about R240,000 and I made an arrangement to pay this off on a monthly basis as the cash flow came in.

At home, I had an amount of about R1,500.00 which I kept in my clothes cupboard. It was money that I used to pick up if I found it lying around the house or small change from other purchases. We used that money to buy some product for the first order we got and it grew from there! ”

16. How long did it take you to cover all your costs and become profitable?

“The way I planned the forecast was that we should be profitable from the start. It was only monthly running expenses that had to be paid at the end of the month. The business has shown a profit each year of trading to date. It has taken us about 6 years to get to a place where I can comfortably say the company makes an annual profit.”

17. Did you experience pressures in the beginning?

“Yes, it was mostly the doubt of the business succeeding. There were personal pressures and family pressures. There were also business deal pressures and added stress wondering if suppliers would produce what we needed on time and in full.”

18. Did you have a mentor, or someone who was able to guide and direct you?

“No, no particular person. There were quite a few people who gave me advice through the experience of working with them. I was able to witness first hand when situations went wrong and learn how not to do things! But, really at the end of the day, it’s my relationship with the Lord that is my guiding hand. There are answers for everything in God’s word and it is the best “How to…” manual ever!”

19. Were you able to develop successful networks and how did you achieve that?

“Yes, I’ve been able to achieve some very successful networks because of communication and mutual respect for others. I have learned that one of the most important things in life are relationships. Good solid, productive networks are formed by open, honest and respectful communications with those around us. This is not restricted to businessNetworking but applies to marriage, family and friendships as well. As I spend time with people, I get to know and trust them and the reverse applies.

Once again, I take my example from the Lord. Relationship bridges are formed out of serving others, putting their needs before mine. When we have this attitude towards our relationships they will be meaningful and long lasting.”

20. Was your family negatively affected in the beginning?

“I think they were affected but I wouldn’t say negatively. Like myself, they were concerned about the future of the business. They could see that, at times, I was very worried. It was amazing to see how they encouraged me with words that I had spoken to them years before. Things the Lord had taught me to share with my wife and children, were coming back to help me. So, they were concerned, but also very supportive.”

21. What do you perceive your strengths to be?

“I think probably my best strength would be communicating with others. Based on my relationship with the Lord, I strive to deal with people in an open, transparent and honest way. This has helped our business to form long term, healthy relationships with our clients.”

22. What was your most exciting moment in the business?

“There have been a few exciting moments because of the growth the business has shown over the last 6 years. Now is one of those moments because we have just exceeded our best sales month since we started. The turnover is tenSales Bar times bigger this month than it was in our first month of trading!”

23. What was your most challenging moment in the business?

“There have also been a few of those…mostly relating to concerns over cash flow. When the bank balance is low and I have commitments to make, that is always a challenging time for me. Our staff are No.1 in our business, followed by our suppliers and then our customers, so it is very important that our employees’ salaries are paid on time. It has only been in the last eight months or so that I’ve learned to have peace during these tough cash flow times.”

23. How difficult was it to find good staff?

“It was very difficult, and still is, to find good staff that are willing to work hard, to be loyal and honest. Finding the right person for the job takes time and skill. Great attention needs to be paid to the interviewing of prospective employees. It helps to have a guideline for interviewing candidates so that not too much emotion interferes with the selection process. When finding new staff, I pray hard to ask the Lord to put the right people across my path.”

24. Do you feel now that you take a more managerial role versus an entrepreneurial role?

“Yes. However, the entrepreneurial side is always there, it’s not something that I can just turn off. I find myself constantly coming up with ideas – the majority of which are absolutely disastrous! I have to be more managerial at this current time to lead the business. I believe it’s important to understand the difference between managing and entrepreneurship. Management is taking care of the seed born out of an inspired idea.”

25. Where did you set up your business?

“We operate from a business park in Johannesburg. We have a warehouse and a showroom with administration offices. Customers are able to visit us, browse the various bottles and products and then purchase what they need. We cater for the small entrepreneurial business and large companies who require us to deliver to their warehouses.

26. How did you choose this location?

“It was a branch of the previous company that I worked for. I was involved in the set-up of the branch originally. We selected that area because of its location to Johannesburg’s CBD and also the town of Soweto in the South West of Business ParkJohannesburg.”

27. Have you faced many challenges since setting up the business, and how have you dealt with them?

“There have been a number of challenges relating to finding new customers and suppliers. We concentrated on our service to the small customers, making sure we served each one equally. This resulted in repeat business and once we were taking good care of the smaller clients, the bigger ones came.

In the beginning, starting the business with no capital was difficult. This has slowly been resolved by careful cash flow management and using profits to fund our growth.

Staff difficulties were and are resolved by applying Godly principles. Often we try to resolve situations with too much emotion, when, if we apply Godly principles, situations are resolved fairly. Applying God’s principles in our business means we have to trust God for the outcome – not something that comes easily!”

28. What is the most important piece of advice you can give any person thinking of becoming an entrepreneur?

“As human beings, we all enjoy attention. So being able to sell yourself is a first step. We all do this when we socialise so why not in business? As people grow to like you, they trust you more and then selling your product or service is the next natural step. If you can’t sell yourself, selling your product or service will always be an uphill battle. Your testimony is very important. How you treat others, how you present yourself and whether or not you conduct your business in a fair and honest way. Respect for others is critical. Your focus should always be on the needs of your customer and not your own gains. These all come back down to the Godly command of loving your neighbour.”

29. What do you find personally rewarding and satisfying in owning your own business?

“When I look back and see how far the business has come in six years, I feel excited and humbled at the achievement. It has been wonderful to see the Lord’s hand working in every aspect. The most rewarding thing for me is now that my sons are involved in the business, I have more time to do my ‘real’ job, which is sharing the Gospel with others, whether they be connected to the business or outside of it. That is my true passion.

Personally, it has been very rewarding to have been used by the Lord in this process.”

30. Has it all been worth it?

“Yes, very much so. I have learnt a lot about trusting God. You know, there is a difference between having faith in God and trusting in God. I have never had a problem believing that the Lord can do anything He wants to do at any time (faith in God). However, trusting Him in a given circumstance is sometimes very difficult, waiting on Him for His will to be done in that instance.

It has been amazing to see how the Lord has changed lives through the business. Not only those employed here, but others outside the business.”

31. What is the most important lesson you have learnt?

“Probably the most important lesson was to learn to be honest and open with people, whether employees, suppliers or customers. The relationships I have with each of these people are like bridges for communication. Clear communication with others in our lives is critically important. When situations fail, you can be sure somewhere along the line, there is miscommunication – one party’s expectation was different to another. As a manager, I have learned to issue a clear instruction and then ask the other person to repeat back the instruction to me so both our expectations are the same.”

32. How did your Christian faith help you with this experience?

“I found that when you own a business, it is easy to become lazy and take shortcuts. From the start of the business, I placed the Lord as our CEO. Therefore, in my heart, I was meeting with Him every day and reporting on what was happening in the business. I had placed His principles into the business and did everything within those boundaries. At times when I didn’t feel like doing things, my relationship with the Lord would help me push through. When I was humbled in relationships with others, the Lord helped me accept the error of my ways and put myself in the shoes of others.

Without the Lord’s relationship, I can categorically say that there would be no business.”

…time with the Master”

“…time with the Master…” is an on-going series of teachings, about lifestyle in the Church and is published bi-monthly.
If you feel this article has value, please send this link to others, Writings are meant for people, not for dormant files in our computers and very often when we share them, it results in positive changes in the lives of individuals and communities.

Please feel free to send in questions (see ‘Contact’) and comments (hit ‘Comments’
button).

Mission Malawi – Chapter Seventeen


01.11.95

Two more little groups have opened up for us to minister. Sue is now sharing with the Presbyterian Youth Group and the Lord has given Andy a home group not too far from us. It’s quite something for him to go on the bike in this heat.

Continue reading “Mission Malawi – Chapter Seventeen”

Are We in the Business of Depression?


A depressed employee….a depressed business…..a depressed economy. Are these three connected in any way? They most definitely are!

Continue reading “Are We in the Business of Depression?”

Prophetic Eclipse 2017


Pure Glory

by Apostle Gabriel Cross

Prophetic ECLIPSE, GOD awakened me from my sleep with this.

God is changing things, from the way we’ve always known him, and what we have always deemed, was the right way of doing things.

He says, “Behold, look again, for I am going to show you a new way, a more excellent way. Yes, I am going to shift your thinking to that of Heaven and you will see and understand some things you have not understood or fully understood. I am going to show you what is right, in My Righteous Eyes. I am going to teach you how to walk with the King, as a king.

“I am going to fund you and all that you do in My Kingdom, if you will totally rely on Me, as your UNLIMITED SOURCE, for UNLIMITED SUPPLY. I will open doors, that no man can deny. I…

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