Tag Archives: debt

“Faithful Over a Few” by Dr. Jené Walker

We think that because we don’t have any money, that we don’t have to know why we don’t have any. Jehovah says to be faithful over a few things. Even if we lived from check to check during the entire 2017 year, we should know where our money went. We’re just spending and not even managing or paying attention to what we’re doing with it. That is bad stewardship. Even if we don’t have but $1.00 left after paying our bills, we need an excel spreadsheet or a good old composition notebook on which we record every dime we spend. God says pay attention to everything He has given us in this season. Be better stewards over the little now. It won’t take long. You won’t have to wait long. You will begin to multiply sooner than you can imagine by taking this “simple” FAITH step.

In a clean fresh notepad, write January 2018 at the top. Write the amount of your check at the top. Then list every monthly bill (including tithes/offering and savings) and the amounts. What do you have left? If you have $500.00 left after every bill is paid, then allocate the $500 ($350 for groceries; $100 gas; $50 spending). Put those amounts in three envelopes. On those envelopes, write dates and keep receipts for each grocery trip, gas trip, and entertainment/eating out trip.

To begin to pay off debt, write each debt on the back of your January 2018 page. Start with the SMALLEST debt to the largest. So if you have four debtors do this:
1. Macy’s 750.00;
2. Dillard’s 1200.
3. Lowe’s 4,207.
4. Visa 11,200.

After your bills, gas, groceries and you have $50.00 left. You can either have spending money or you can take $30 of that and put it on your lowest debt (Macy’s). So you pay Macy’s out of your monthly bills and then you add an extra $30 each month (and anything extra that you get like overtime, gifts, etc.) until you pay off Macy’s. Then, you take the monthly amount you paid on Macy’s plus the $30 and all extra money and start working on Dillard’s. You cannot, however, charge anything else or you’re shooting yourself in the foot. Shout, “Multiply! Increase! I’m Debt Free in the name of Yeshua!”

This is just one simple way to get started! In our Taking It All Back group, we will spend about five months on finances (wealth) alone! We are working on living according to kingdom principles, including our finances! You can share your methods in the comment box below!

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“Stop Spending” by Dr. Jené Walker

NOTE: Make sure you listen to/view the video message for this installment.

Audio (Click Here): “Breaking Financial Curses”

Lesson Scripture: Proverbs 10:22 “The blessing of the LORD, it maketh rich, and he addeth no sorrow with it.”

“Stop Spending”

Each believer gets to a “sick-and-tired” point in his life at different times. But t’is the season for all to be sick and tired of wasting money. “Stop Spending!” Holy Spirit said those two words to me so loudly that it scared me. Have you heard this same message from Holy Spirit or have you too suppressed His voice speaking about your spending habits? This season seek God first about your money, your budget, and the organization of your finances until seeking Him becomes the standard in your life. He will direct our spending and give us a blue print for our finances if we allow Him. We just have to die to our flesh every time the urge to splurge comes.

1) What helps me to control my spending now is knowing what my goals are. What are your goals that are aligned with God’s will for your life? Do you want to buy a house? Start a savings? Start a business? Increase your retirement? What has God called you to do? When you write the vision that God has given you in this season and begin to work toward it, you won’t be able to spend frivolously.

2) Knowing that bad stewardship is a sin has also helped me to make up my mind about improving my finances. I would wonder why I was struggling in certain areas and God showed me how this area was continuing to be an area of disobedience for me.

3) Having a budget helps tremendously. I just started using a Microsoft Excel Budget Template to help me organize my funds. I place how much I allot for each month, including my bills at the top of the spreadsheet in a cell. I add every bill and other expenses in a left column and deduct the amount for each expense in another column. The spreadsheet subtracts from the total monthly allocation. The remaining monthly allowance is then divided up in the following categories: For example, Gas – $30 a week for gas ($120 each month); Groceries – $100 a week for groceries ($400 each month); Hair/Hair Cut – $25 a week for hair ($100 each month); Tithes – $50 for tithes ($200 each month); and Savings – $100 ($100 each month) for savings. Put each of those amounts in an envelope and do not exceed the amounts in the envelopes. Fast from shopping outside of this budget for three months – no shopping for three months. At the end of three months, you should have $300 saved. Take $100 and shop but leave remaining $200 in savings. Continue this process.

4) Knowing I want to be blessed with increase this season helps me to improve in my finances. Holy Spirit said, “How will you manage a corporation’s budget if you can’t manage your own household budget?” There are levels to this. Take care of your business. List all your debt. Pay off lowest debt. Organize your bills. Make a budget. If we want increase, we have to be faithful over a few things.

Changing our mindset about money is a process. I’m walking it out even now as I type. I don’t want to sin on purpose and that is exactly what emotional spending is – sin. We look at our lives and wonder “why” is this not going right? We’re sinning in our finances. I’m tired of the cycle. I can’t live like that anymore. I want more for me and more for my son and more for the kingdom so I’m done. Are you? Only God can satisfy the void that we try to fill with shoes, clothes, hairdos, makeup, nails and jewelry. Self-control must be exercised in this season. Take one day at a time. But God says I will not increase you if you don’t manage your money better. I’m done with spending frivolously in Yeshua’s name.

Prayer: God someone is in debt so deep that we’re suffocating. There is no earthly way out. We need supernatural relief. We repent. Help us now Jehovah!

“Be Faithful Over a Few Things” Dr.J.

Don’t let your business fail completely because you’re in a bad spot right now or even if you’ve been there for a while. Start opening your mail again. Organize your bills. Close the checking and start over in a new account later. Get your papers and business in order now. Organize everything now. Pull it together now. We have to be faithful over a few things. Being faithful means taking care of our business to the best of our ability now. Your rulership over many later depends on how you’re handling your few things now. I dare you to pay your tithes right now in the mess you’re in. I dare you. Now. Tell the devil he lost again. Dr.J.