I have been a member of ChristianBlog.Com for 10 years, 1 month and 25 days.

  I have published 2,314 blogs and 6,845 comments.

 My most recent blog was published: Sep 23 2017 11:17:45am

 I currently live in: United States.
  Handling Finances: Your Way Or God's Way?

In January 2011, after three years of dealing with serious health issues, I was no longer able to work. Facing a major loss of income and mounting bills combined with my inability to work, our monthly expenses far exceeded our monthly income.

Facing the possibility of both bankruptcy and the loss of our home, my husband and I cried out to God. Eighteen months later, while I am still not working, we are not facing bankruptcy, we are not facing foreclosure, all our needs are provided daily and... we've paid down nearly $18,000.00 in debt at the time of this writing.

This series includes some earlier blogs written in 2011 as my husband and I were learning about stewardship as well as some more recent blogs which will be added in the future.

  Blogs In Series
Some thoughts on becoming a good steward
K Reynolds+
published . 5 min read
The Bible has a great deal to say about stewardship. Jesus himself teaches that we are to be good stewards. So what exactly is a steward? It is somone who manages the domestic concerns of a household. They manage things like the finances, supervise servants, collect rents, etc. In other words, they act as the master's agent. In looking up the definition of the word, I learned that it is both a noun and a verb. The word applies to both who they are and what they do. We are God's stewards. Are we good ones or are we poor ones? The topic I am writing this blog about is a rather touchy and emotional topic for a lot of people so I want to start out with this disclaimer. This blog is not about how to get rich or how to get God to do what you want Him to do. It is not a......
The christian and debt
K Reynolds+
published . 6 min read
Here in the U.S. we live in a credit-driven society. If you do not use credit cards, have a car payment, mortgage, student loan and other types of loans, you are viewed as if there is something wrong with you. The purpose of this blog is not to debate whether or not a Christian should ever go into debt. Most people would be unable to pay cash for their homes and many are unable to pay cash for their vehicles. Believe me, I understand that. Also, businesses often need a line of credit in order to to do business. Also, I am not saying that a Christian should not have any credit cards. Many people do use credit responsibly. They use a credit card to pay their monthly bills and then at the end of the month, they pay the bill in full. I know someone who pays their mortgage using their credit......
But it's my money!
K Reynolds+
published . 3 min read
One day, my son needed something from the store. We lived within walking distance of a store where he get the item so I decided to just give him some money so he could go get it. I didn't have anything smaller than a $20.00 so I handed it to him and sent him on his way. When he got home, I was off doing something else as his dad had come home. Later that evening, I remembered I hadn't gotten the change from my son yet so I asked him for it. Guess what he told me? He didn't have it. What? Where was my money? "Oh, I didn't spend it on something else, Mom," he hastily replied. "I just got what you told me I could get." Hmm. I knew the item definitely did not cost $20.00 and if he only bought that, where was the money. Had he lost it? "No, I didn't......
One step at a time
K Reynolds+
published . 2 min read
We live in a society which demands instant results. We're bombarded with advertisements about products which will instantly turn back the hands of time and products which will make us look like a completely different person. I saw an ad the other day which said that one did not need to change their diet or habits in anyway in order to lose weight and get fit. All you had to do was take this little pill before you went to bed at night. Then, while you are sleeping peacefully, all your fat burns away. In no time at all, you will be the shape you've always wanted to be. I shudder to think what else those little pills might be up to inside of you. Of course it could always be... a scam. There is one sure-fire way to get fit. We don't like to use it though because it requires......
An emergency fund? but i am trusting in god!
K Reynolds+
published . 3 min read
In the past, when an "emergency" arose, I would frantically check the balance in my checking account. If there wasn't enough there to cover it, I would whip out a credit card. Whew! It's a good thing I have credit cards... in case of an emergency, you know. Truthfully, my husband and I did not have credit cards for about 12 years. Then we decided to get a small one. For emergencies, you know. Well, for many of us, one thing leads to another and before you know it, they seem to reproduce and each one has a higher credit limit than the other one. We told ourselves it was fine because we were managing and we were until... I got cancer, had a ruptured brain aneurysm, had a stroke and ended up on disability. Oops! This wasn't part of the plan. Uh-oh. A few weeks after......
A heart to give
K Reynolds+
published . 4 min read
"I can't pay my bills if I tithe or give offerings." I've heard that said time and time again and I must confess, I've used that excuse myself at times. On rare occasions I've even heard ministers give people permission not to give so what I am going to say is going to sound rather harsh and be unpopular with some people, I suspect. The Word of God does not give us permission to be negligent in giving. Jesus did not rush up to the widow and grab her hand and cry out, "Stop! All you have is two mites. God does not expect you to give!" Instead he commended her for giving. Oops...there goes the excuse that having little exempts you from giving. It doesn't. "But if I give, I can't pay my bills!" Let me get this straight. If you give God......
Can we afford to not give?
K Reynolds+
published . 2 min read
Remember this--a farmer who plants only a few seeds will get a small crop. But the one who plants generously will get a generous crop. You must each decide in your heart how much to give. And don t give reluctantly or in response to pressure. "For God loves a person who gives cheerfully." And God will generously provide all you need. Then you will always have everything you need and plenty left over to share with others. 2 Corinthians 9:6-8 (NLT) Far too often we say we cannot afford to give and we can't. Perhaps we would do well to change tactics for when we say we cannot afford not to give, suddenly we find that we can afford to give! During nine months of financial struggle, my husband and I would look at one another and remind the other that regardless of our......
Can we afford not to give?
K Reynolds+
published . 2 min read
It was all over. She had tried so hard and yet... it was now over. There was just enough flour and oil to make a bit of bread for herself and her son. It would be their last meal. Perhaps she had appealed to her neighbors and perhaps they had done as much as they could. Famine was marching through the land and they were all in a similar predicament. Everyone was starving for the rain would not fall in that barren land until God said it would. The Bible tells us that she lived in Zarephath (Sarepta) which is located in Lebanon. She was not a Jewish woman. She was a Gentile. Jesus confirms this in Luke 4:25-26. Even so, she recognized Elijah as a prophet of the Living God when he requested some water of her. Water. That scarce, precious and necessary thing! Interestingly enough, she does......
Give us this day, our daily bread
K Reynolds+
published . 2 min read
God has been taking me on some amazing faith journeys over the past three and a half years. I've gone through cancer treatment, a ruptured brain aneurysm which resulted in a subarachnoid hemorrhage and stroke and now nearly a year and a half later, I am on a medical leave of absence because of some detected cognitive impairment as a result of one or both of these things. At the moment, I am going through the maze of attempting to collect long-term disability. A tough process becomes even tougher when the brain is involved. In case you're wondering, no one is exactly lining up to to hire someone with a cognitive disorder. It is not exactly a selling point! So, once again, my husband and I are learning to walk by faith and not by sight. We are re-visiting lessons which have been......
God uses credit cards?
K Reynolds+
published . 3 min read
I remember right where I was on the day it happened. I was standing in the kitchen of our apartment and excitedly made a rather stupid statement. "It must be God's will for us to get this car because He made a way for us to get this loan!" Now, before you agree with that statement, you need to know a few things. There was nothing wrong with the car we already had except... it had 60,000 miles on it, the car was four years old and it got about 16 mpg back in 1982. Oh, did I mention we'd just paid off the loan on that vehicle and no longer had to make a car payment of $107.00 per month? Somewhere along the line, we decided that our car was getting old and was a gas guzzler. We needed to trade it in while we could still get some money out of it. Never mind the fact that......
When god says yes
K Reynolds+
published . 3 min read
It shouldn't have happened. With an underwater mortgage, reduced income and other issues, it shouldn't have happened but it did. We'd tried to refinance in April 2011 when I realized I might not be returning to work due to medical disability. We were underwater at the moment but there was hope. I would still be drawing 80% of my salary for a few more months and although we had an underwater mortgage it looked like we were less than 125%. Then... we were nudged under by just a few dollars more. It was only a few dollars but it was just enough to disqualify us from refinancing our home. Sigh... In the fall of 2011, there were rumors that the 125% criteria was going to be lifted as well as the income restriction. This would be good news for us because by now our income had......
When murphy comes knocking
K Reynolds+
published . 3 min read
Anything that can go wrong, will go wrong We have all had it happen. It seems like we are staying ahead of life's challenges and perhaps even getting ahead when suddenly, "Murphy" knocks on our door. It seems like when he arrives, his bags are always filled with trouble. Your car which had been working beautifully sputters and smokes, if it starts at all, once Murphy has borrowed it. The bathroom floods, there's a fire in your kitchen, your furnace and/or air conditioner breaks, your child breaks their leg (after Murphy suggested that they ski down the garage roof) and your cat gets sick. Sometimes Murphy likes to make things very exciting and decides that you need a break so he thoughtfully arranges it so you do not have to go to work due to injury, illness or job loss.......