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23 Work brings profit, but mere talk leads to poverty!

Proverbs 14:23 (NLT)

This verse is talking about work and how it can bring profits. In this country, we are mostly paid for our time. Many are paid by the hour. The more hours you work, the more money you make. It’s a simple concept. The verse also talks about what leads to poverty. “Mere talk” leads to poverty! And that’s the truth!

We can’t expect to sit on the couch all day and night, watching tv and believe God for a job. It says that faith without works is dead. We need to believe God but we also need to do our part. If we’re believing God for a job and never fill out one job application, how do you expect God to move on your behalf? It’s a give and take relationship that we should have with God. Now I’m not saying that God doesn’t work miracles and that sometimes He works in mysterious ways, but God said it in His Word! Put your faith in action!

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The proposed $150 billion “economic stimulus package” by President Bush is promising rebates of between $300 and $1200 or more to the low and middle class people of the United States to help kickstart the economy by giving money to those who are most likely to spend it. Why don’t you go against the current and actually save it instead of spending it?

Here are the quick facts on the proposed plan:

1. Most single taxpayers will receive a $600 check
2. Dual-income households will receive $1200.
3. For each child (dependent) you will receive $300 each.
4. Workers who made at least $3,000 but didn’t pay taxes will receive $300 ($600 for those married and filing jointly).
5. Income limitations are $75,000 for single taxpayers and $150,000 for couples.
6. Apparently all of this is based on your 2006 tax return.

The legislation has not passed yet, although it most likely will and is being pushed strongly by President Bush. But if and when it does pass, you can expect your rebate checks to come in May or June of this year (2008). Just file your 2007 taxes just like normal.

All I can say is to not act like you’ve already got the money and spend an extra $600 on something you don’t need! I’ll probably get $600 as a single taxpayer and I’ll most likely just boost my emergency savings or pay down debt or both. All I know is that I’m not going to act like I have it and spend it before I get it. It will be a welcome surprise in my budget come May or June!

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8 “I know all the things you do, and I have opened a door for you that no one can close. You have little strength, yet you obeyed my word and did not deny me.

Revelation 3:8 (NLT)

8 “I know your works. See, I have set before you an open door, and no one can shut it; for you have a little strength, have kept My word, and have not denied My name.

Revelation 3:8 (NKJV)

It says in this wonderful verse that God is going open a door for you that no man can shut. It says that God knows and sees all the things that you do and have done in your life and that he is a rewarder to those who diligently seek Him. God is faithful. If you keep His word and don’t deny Him by giving Him everything you have, he will reward you openly. Open doors will begin to come before you and supernatural blessings will follow! It’s in His word!

My Top Money Goals for 2008

January 12, 2008

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I hope that everyone had a happy holiday season and is ready to tackle another new year! I believe this year can be your turnaround year! Let this be your year of new beginnings! With a new year brings new goals, new life situations, and a fresh outlook on life. Don’t let this year be just another year. With that being said, here are my top money goals for 2008:

1. Save more, spend less. One of the golden rules to becoming wealthy is spending less than you make. Live on less than you make and you can use the extra to pay down debt or invest for your future. If you can’t do this, you need to make more money!

2. Pay down debt. Yes, even a personal finance blogger like me has debt! But I have a plan to get out of debt and although I won’t be debt-free this year, I’m still making progress. I want to pay off my car within a couple years. I’m sick of a car payment…

3. Beef up my emergency fund. I have an emergency savings account that’s not quite up to 6 months of expenses. I want to achieve that this year and some extra. I currently have my emergency fund at FNBO Direct (currently at 5.05%) and ING Direct (currently at 4.10%). If you want a free $25 bonus for opening an ING account with at least $250 to start your emergency fund, make sure to contact me.

4. Start saving for Christmas now. Christmas is not an emergency! Christmas happens to land on December 25 every year and yet many people end up charging Christmas on their plastic credit cards and end up paying way too much in interest. Start saving now and pay cash! I plan on doing that starting right now.

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6 For promotion cometh neither from the east, nor from the west, nor from the south. 7 But God is the judge: he putteth down one, and setteth up another.

Psalm 75:6-7 (KJV)

This Bible verse reminds us that God is always in control. If you’re being considered for a promotion at your current job or a different job for a different company, remember that it’s God who decides who really gets promoted. It is really not up to the hiring director, HR person, or president of a company to decide who gets the promotion. God is the ultimate judge and decision maker. Don’t forget that God will bless you if you’ve been faithful to Him so continue to pray and believe God for it!

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Happy New Year!

January 1, 2008

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Here’s to another year of supernatural blessings and favor for all of my readers! Happy New Year! I hope you continue to read as we start this new year! I call the year of 2008 the year to accelerate! Christian Finance Blog will turn one in February! I can’t believe it’s gone that fast. God Bless!