≡ Menu

Breaking Out of Financial Bondage: Principle of Accounting

“Be sure you know the condition of your flocks, give careful attention to your herds; for riches do not endure forever, and a crown is not secure for all generations” Proverbs 27:23-24 (NIV).

God tells us in Proverbs to “know the condition of your flocks.” What does this mean? He is telling us to know the current state of our finances. To take an honest assessment of our situation because they won’t last forever…they change—they are not secure.

Many people avoid bad news and situations; they live in a place of denial or avoidance. They hope and pray that things will not get worse while they burry their heads in the sand trying to avoid the reality of their circumstance. That is one of the reasons why so many have gone into foreclosure—they knew they could not afford their home but they delayed calling the bank to make arrangements. And by the time they tried to do something it was too late.

If they had applied the principle of accounting they may have avoided foreclosure by selling or renting out the house. Or they may not have entered into the situation from the very beginning because they would have seen that they could not afford the home—which is walking in truth and discipline (Proverbs 23:23).

The principle of accounting helps us to see what income is coming in and what portion of it is going out. But it entails more than this from a circular stand point we need to:

  1. Know what we own
  2. Know what we owe
  3. Know what we earn
  4. Know where it all goes (know our expenses)

But in God’s word he tells us to also:

  1. Buy truth
  2. Get wisdom
  3. Get discipline
  4. Get knowledge

Ignorance of our financial condition + easy credit = DISASTER and this is not what God wants or desires for his children. The Bible tells us that Jesus came to set the captives free—and anything that binds us makes us a slave…it holds us captive.

If you desire to be free the first step is to look at your financial situation truthfully. Take responsibility for your finances…don’t let it spin out of control—you must rule over it.

What can you do?

  1. Get a book and write down what you earn, what you owe, identify your fixed costs, and your other expenditures.
  2. Ask God to give you wisdom in financial matters.
  3. Cut back on spending. What are the things you can live without—cable, buying lunch, doing your nails each week, playing golf, etc?
  4. Start to save—start out with 10%-20%
  5. Be disciplined—make up your mind and stick to it—eliminate compulsive or emotional shopping.

Further readings

Proverbs 23:23
Proverbs 22:7
Luke 16:11

Articles inspired by the Breaking out of the Debt Zone Series by Jorge Vega, of Full Gospel Tabernacle, Far Rockaway, NY.

{ 0 comments }

Breaking Out Of Financial Bondage

Many Americans are drowning in debt because of lavish living and the failure to save money. Americans spend more than they earn. With the crash of the market and the decrease in the value of the dollar, many Americans are facing harsh realities.

Debt is knocking has not only knocked at their doors, but has taken up full residence. Many, including Christians are in bondage to the spirit of debt. But God is calling his children to come out of debt—to be free in their finances…will you heed the call? Will you dear to be debt free?

There are five Biblical principles to becoming debt free.

We will cover each one in depth so that you too can become free God’s way.

{ 0 comments }

He Walks Among Us

img_0815-resized“This is the message from the one who holds the seven stars in his right hand, the one who walks among the seven gold lampstands:” (NLT) Revelations 2:1.

Today, it can be disheartening to see the rapid deterioration in Biblical values and morals in the church—especially if you believe that God has called us to, and expects us to live lives that exemplifies his character.

Are you wondering if there is any church that is truly walking in purity and hates sin as God hates it? You could be one of the thousands of Christians that are contemplating leaving your current church in search of one that has a Biblical worldview. But if you are not ready to move or sense that the Lord Jesus has not instructed you to move then take heart!

Jesus is the one that holds the seven stars—the angels of the churches in his right hand. He is the one who walks among us (the body) through Holy Spirit which is also known as the Spirit of Jesus (Philippians 1:19).

This view of our risen Lord in Revelations chapters 1-2, gives us the assurance that Christ is in control—both of the heavenly host assigned to the churches (to help bring about the plan of God) and of the church body (leadership and lay people) itself.

If your church is not obedient to the commands of Christ—trust Jesus to address the matter. Should you stay? Should you leave? That is a decision you will need to make with Holy Spirit. But you should be encouraged to know that though your church may seem like it is out of control—doing its own thing—that Christ is seeing it all an he already has determined how he will rectify the situation.

What should you do?

Trust him and pray!

{ 0 comments }

Just in Hot Off the Presses from Homeschool.com

Greetings Smart-at-Home Family,

I just received this e-mail from Rebecca from Homeschool.com and I wanted to share it with you. Check it out…

Hello!

This is Rebecca Kochenderfer from Homeschool.com. For some reason, the following was stripped out of the original email I sent you. Perhaps because I used the word “free” in the subject line. Maybe the spam filters deleted the content, thinking it was dangerous. Here is the information you need.

Laurel Springs School is giving away FREE copies of “Homeschooling and Loving It.” Normally, this popular book sells for $15.95.

Here’s the Coupon Code: LSS
Go To: http://store.laurelsprings.com/
Limit 5 copies per person. While supplies last.

Be sure to watch the short video on the ordering page, telling all about the book. I used the “Homeschooling & Loving It” method with my own children and my son has just gone off to the college of his choice. It works. I don’t know how long the copies will last so be sure to get your copy right away.

I’m so grateful to Laurel Springs for making this book available to all homeschoolers. The founder of Laurel Springs, Marilyn Mosley, used this method of homeschooling with her children. Homeschooling is so much richer when you ask your children, “What are your goals?”  “What do you want to learn about?”  and then build your curriculum from there.

As always, I wish you the best on your homeschooling adventure. Feel free to pass the coupon code on to other homeschoolers. And let me know if I can ever be of assistance to you with your homeschooling.

Warm regards,
Rebecca Kochenderfer
Senior Editor & Co-Founder
www.Homeschool.com

{ 0 comments }

God Knows Even When Others Don’t

Do not I hate them, O LORD, that hate thee? and am not I grieved with those that rise up against thee? I hate them with perfect hatred: I count them mine enemies” Ps 139:21-22 (KJV).

Many Christians say that they hate demons and that they hate sin, yet they tolerate sin and demons in their lives. They live a life of deception—a life of lies but God knows even when others don’t.

David had a perfect hatred for the enemies of God (Ps. 139:21-22). He counted them as his enemies and we are called to do the same! Sin is an enemy of God for it separates us from proper fellowship with the Lord.

Demons are enemies of God because they are determined to ensnare, destroy, hinder, thwart and block the plans of God. Their purpose is to keep us in bondage even though Christ came to set us completely free.

In order to live a life of freedom the enemies of God must be cleared out from our land—our lives, our homes, our families, our businesses, our societies, our communities, and our nation. They must be utterly destroyed—this is where deliverance comes in. When we have been fully delivered we can live lives of genuine holiness. But without it we will live lives of legalism and/or false holiness like the Pharisees.

Many Christians are bitter foes of deliverance and the question is why?

If they are followers of Jesus they should know that he spent most of his ministry delivering people—setting them free from all types of bondages. And shouldn’t his followers do the same?

God calls us to freedom through his son. He wants us to be holy for he is holy. He wants us to have an abundant life—which can only happen if we clear out our enemies and possess the land. We could pretend to be holy and fully delivered…but God will know that we are nothing more than dead bones.

Though others may think we are alive Christ would say to us what he said to the church in Sardis in Revelation 3:1 (KJV), And unto the angel of the church in Sardis write; These things saith he that hath the seven Spirits of God, and the seven stars; I know thy works, that thou hast a name that thou livest, and art dead.”

Why settle for a dead life when through deliverance you can have life and enjoy the abundant life?

{ 0 comments }

The Reluctant Patriots by Pam Puniello

This is a copy of a speech given by Pam Puniello at the HENRI (Home Educators Network in the Rhode Island) Conference that Deb Stevenson and Judy Aron attended in Providence, Rhode Island on August 12, 2006. Pam Puniello is a Rhode Island parent, and we found her words to be compelling enough to be added to the NHELD website. She is a mom who has decided to take action to retain her freedoms. NHELD applauds her words and her actions. She says, “We cannot be vigilant in protecting our rights if we do not know what they are.” She couldn’t be more right about that !

Hi there. Before I begin, I would like to take just a minute to thank Mary Ryan and her family for putting this wonderful day together.

A few months ago on the HENRI site there was an interesting thread about the regulation of homeschooling families. In one of my replies I wrote:

“My husband and I are tired of lying down and having our rights taken and sometimes trampled. I’m standing up, my voice may shake, I may not always know the right thing to say or the best way to say it. There is every possibility that I may cry. But, people gave their lives for the liberty we take for granted. People should have access to government programs, Government programs should NOT have access to people. ”

So, here I am shaking voice and all. Making this presentation is one of the last things I would choose to do on a Saturday morning. But, I’m here because I firmly believe that taking responsibility for my children’s education and committing myself to my family is an ancient, natural and worthwhile activity that should be enjoyed without government intrusion. I never dreamed that wanting the best for my children could make me automatically suspect in the eyes of anyone! Sadly, I have come to find out the opposite and, like many of you and many who came before us I find myself joining the ranks of the reluctant patriots. People who would rather spend their time on their children instead of battling beaurocracy, but find they cannot do one without the other.

I have never been very politically minded. That is something I must change. I can no longer rely on the freedoms forged by those who came before. The days of quietly homeschooling thinking that we will be left alone are fading away. Our local politics matter more than many of us realize. I would like to share with you the experiences that have led me to spending this lovely Saturday morning with you fine people.

In my ignorance, I was under the false and ridiculous assumption that somehow, my local School Committee did not affect my family. I did not use my votes for the committee wisely at all. The result has impacted my family and others in my district. Two years ago, our SC began revising its homeschooling policy. The initial proposed changes were preposterous—detailed daily time logs, mandated testing, making us wear tee-shirts with scarlet H’s –ok, I made up the shirt, but I think you get the idea. I was fortunate enough to meet and work with a knowledgeable and courageous, seasoned homeschooling mom. We attended the subcommittee meetings, we sent letters. She and I did our utmost to defend the previous policy which was respectful of parental rights and civil liberties.

At the meetings, we were told things like “How do I know you are educating your children at All?” and “Who polices these homeschooling parents?” The Chairwoman of the SC told the Providence Journal; “We are not telling them what to read, we are telling them they have to read”.

Some committee members were even angered when other homeschooling parents in the district called to ask them to vote against the proposed policy. These were elected officials who could not understand why they were being called and told callers that the matter was already decided.

I recall saying to my veteran mom friend “Why does this feel like a personal attack?” She so wisely replied “Pam, they are telling us how to run our families. They are injecting themselves into our private family life to regulate us. You can’t get more personal than that!”

It was a shock to be sure, parents treated as suspected criminals! Nothing could have prepared me for that type of treatment. This was an extremely painful learning curve for me. I am idealistic in the sense that I feel that I am not running a “school” out of my home. I am raising my family. Giving my children the skills they will need to go out into the world doesn’t really seem that difficult a concept that needs to be graded, judged and learned in an “age appropriate” time frame. My home is not a “classroom laboratory” so things like reading comprehension, grade levels, and other maladies of institutional learning do not exist there. I receive no tax-payer money to educate my children, and I ask nothing from the government schools. I do not accept the government’s method of raising children as my own. I expect to retain my freedom to the fullest extent enumerated in the US Constitution and our state’s constitution. I also believe that it is our natural instinct as humans to learn and try understand our world. William Butler Yeats wrote; “Education is not the filling of a pail but the lighting of a fire.”

You may have guessed, that certainly our fires had been lit! My wise friend and I began brainstorming ways to help others avoid such ugliness in other districts. We started writing down our thoughts and compiling articles we felt offered excellent explanations. We weren’t sure what form it would take when we started out. We thought about speaking at homeschooling groups…we thought about starting a somewhat organized “coalition”. We floated the information to other seasoned homeschoolers to get their input.

Even though the response was favorable, we decided to treat it as a grass roots compilation of our opinions because we realized that we cannot speak for all homeschoolers, and we strongly felt that no one group or person should. Today, I would like to share some of our main ideas with the hope that it will kindle many fires in support of parental rights and responsibilities.

One of the first things we noticed was the inherent problem with the nomenclature: HOME SCHOOL. This term implies that there are two separate entities happening within a family, namely, home and school. School appears to be separate from the day to day activity of family life. This separation carries the implication that the “school” portion of the family’s life may be regulated without consequence to the family life portion.

For this reason, we believe this term causes confusion with policy makers and others outside the community. In an effort to affect change in the way “homeschooling” is perceived, we shall refer to homeschooling as Family Home Learning or Learning in a Family Environment.

We see this as a family culture with an interfluent approach to learning—a natural flow–, with the intent to prepare children for life. Learning is woven through and around the daily life of the family. Learning is not a separate activity from living.

Isn’t it sad that people lack so much in imagination that they cannot conceive of education happening any other way other than sitting and doing drills or being forced to absorb information with no apparent relevance. I have to say, that I am continually surprised and disheartened with some of the questions and comments I receive. Most times they are followed by statements like “well, not everyone is like you.” Or “not everyone cares about their kids the way you do.” When did our country turn into one full of sinister parents? Who are these people who are actually trying to keep their children illiterate? Further, where are all of these illiterate homeschoolers who are burdening the state? There must be a lot of them because I keep hearing about them yet, I haven’t met any.

You know things are out of balance when an assistant superintendent addresses a group family home learning parents saying that he or she is “here for the children” and the subcommittee nods in agreement. How is it that an administrator pulling in salary and benefits in excess of $80,000 a year can have a greater vested interest in seeing strangers children succeed more so than the parents of those children? We are motivated out of love and are making daily sacrifices to give our children the best possible foundation with one on one tailored instruction. My husband and I along with the other parents in attendance could not believe our ears.

One of the next issues to receive our attention was accessing government school programs. Being a taxpayer does not entitle anyone to the services of the government run school. It entitles us to use the library and other public venues, but to access services of the public school, money, — a tuition– if you will, must be collected on behalf of the student. This funding only becomes available through the enrollment of a student. Families who choose to access government school programs that are funded by taxpayer dollars, state and other federal monies need to know that accountability (in the form of regulation) comes attached to those programs. The RI Department of Education considers these children dually enrolled students. Each district can use their discretion as to the availability of programs and the amount of money collected on a child’s behalf from the local, state, and federal level.

We were initially surprised by these findings, but after examining them, we could see the reasoning. We respect parents’ decisions to do what is in the best interest of their individual children. At the same time, any regulation applied to government funded programs should be assumed only by the individual family and not be applied to those families wanting to retain their liberty to the fullest extent. We realized that we cannot hope to have freedom from government regulation if we are harvesting their fruit.

So what can family home learners and their supporters do? We need to expand our knowledge of the statutes. We cannot be vigilant in protecting our rights if we do not know what they are. It is also imperative that Family Home Learners become the resource in RI for newcomers to this lifestyle. Having newcomers use the local government school as a resource for family-centered learning can be compromising to the rights of the fledgling family and Family Home Learners around the state.

People who choose to educate their children in a family environment are extremely conscientious. This is often to our detriment when dealing with some school districts especially when we have a system in place that regards itself as the only way to educate children. Any other method to be perceived as sound must emulate the government model. Further, administrators themselves often belong to professional organizations that are publicly against learning in a family environment as a viable option for the education of children.

There is actually a really funny contradiction with respect to public school administration if you think about it: it is OK to teach diversity, it can even celebrated, but no one should actually be diverse and if they are, they should be brought back into line as quickly as possible.

The last piece of the puzzle is voter responsibility. Our SC chose to represent the administration instead of their constituency. We can change the temperament in our own back yards by electing those who will stand and protect liberty. Having former administrators, school employees and current administrative employees on the SC needs to stop. This is a conflict of interest. The SC is supposed to be the citizen body that holds the administration accountable to parents who have contracted the government school’s services for their children and to the taxpayers who fund the school. Family home learners and their supporters need to ask those seeking all levels of office what their views are and why.

In closing, I would ask that we keep in mind that parents who choose to educate their children in a family environment have simply taken a greater role in their parenting. Parenting is not something to be regulated by the government. Still, we are continually asked to prove that we will obey the law. We are forced into their model like penguins perched in trees. To my knowledge no other group of citizens in this state is regularly asked to sign forms stating that they will abide by the law. I’m sure our forefathers would agree, that is not liberty.

By being proactive for each other and with each other we can help insure freedom for ourselves, our children, and maybe someday for their children. Family home learners have a level of accountability far beyond pleasing an ill informed school committee or school administrators.

We are accountable to the ones who trust us and who have been entrusted to us. The ones we are trying so desperately to make it on one income for. The ones we haven’t gone out to dinner for so they could have art lessons. The ones we’ve stayed up all night with hoping desperately that their fever would break. And yes, the ones that sometimes have peanut butter all over their faces. We are just families and learning is our way of life.

Permission is granted by the author to reprint these articles in their entirety as long as no changes are made to their contents. For more information please contact: info@nheld.com.

{ 0 comments }

Scrapbook Meet-Up

Are you looking for a fun, safe, friendly enviornement to learn scrapbooking? Is cost a factor? Do you need personal one on one instruction? Do want to learn without being pressured to buy additional products which are over your alloted budget?

Then you need to check out Michelle Borsacks scrapbook and cardmaking meet up group! You will have fun as you learn. A few months ago I knew nothing about scrapbooking or card making. I just had a passionate desire to learn. Then by a chance meeting with a grandmother in the Michael’s craftstore…I discovered they had meet up groups.

I started to google for local groups and I found one that I am simply in love with. Michelle’s group is comprised of women who have a passion for scrapbooking. It does not matter if your are old or young, a beginner or a pro you will enjoy the fun activities Michelle plans for each monthly session.

If you are in the NYC area or live in Long Island  Michelle’s scrapbooking group in Oceanside will welcome you with open arms.

workshop-pics-002

workshop-pics-006

workshop-pics-005

{ 0 comments }

Water Painting at Long Island Center for Independent Living

Workshop 1

Water Painting with Bob Mauro Long Island Center for Independent Living

Over the last several months my family and I have had the pleasure of water painting at the Long Island Center for Independent Living with Bob Mauro.  I have always wanted to try painting but I wasn’t confident that I would be good at it. This year I decided to try it any way…and if it came out ugly so what at least I tried it.

My eldest son is a natural born artist while the rest of us are not! But we felt this would be something great to do together as a family–so we put aside our inhibitions and gave ourselves over to the process of creative artistic expression.

Bob and the other participants were patient and encouraging. It felt as if we belonged and that did so much to ease our lack of confidence. I found myself not caring or worrying if my picture didn’t come out exactly right–I was enjoying the learning process.

What I noticed was that all of us had freedom–we were free to create and experiment. Though we tried to follow the guidelines that Bob gave us we were able to personalize our art work without guilt. And that was so refreshing.

If you live in NY and would like to learn more about the activities at the Long Island Center for Independent Living contact them at :

3601 Hempstead Turnpike
Suite 208 & 500
Levittown, NY 11756
Tel: 516-796-0144
TTY: 516-796-0135
Fax: 516-520-1247
en Español: 516-796-6176
E-mail: licil@aol.com
{ 0 comments }

Don’t Look at Yesterday, Focus on Today!

Over the last few months I have been replaying in my mind all the things I use to be able to do. I exercised daily for forty-five minutes to an hour after work. I cooked daily sipping up the best stew chicken, curry or jerk chicken one could ever hope to taste. I could clean my whole house in three hours flat and still be able to write a story, read a few chapters in a book, and play a family game with my husband and children. I had energy to burn.

Sadly this is no longer the case. Since January 2005 my life has changed. My life’s energy has dwindled to an all time low. I no longer work outside the house. I can barely walk six blocks without excruciating pain let alone tackle my gazelle, sit-ups, and crunches. Fibromyalgia, chronic fatigue, and depression have robbed me of the joys of my life.

Daily I reminisce about the good old days. I find comfort and happiness in the memory book of my mind. I relive the joys of being able to lift my four year old son in my arms without stabbing pains in my arms, back, and legs. Or being able to sit on the floor for hours without my legs going numb and stiff. Or even being able to take a bathe in the tub without needing assistance to get out of the bath. Yes, those were the good ole days.

This morning as I read the Bible I came across a scripture that challenged my reliving the past.

Ecclesiastes 7:10 states “Don’t long for the good old days, for you don’t know whether they were any better than today (New Living Translation, NLT).”

What could this possibly mean I thought? I know that I was able to do more before and today I can do less. I was there. I’m living the difference. I’m feeling it! Shouldn’t I be able to judge the difference?

As the day progressed I asked God those questions. I spoke to Him. I told Him of my desire to understand His word. He answered my query.

Ecclesiastes 6:9 it states, “Enjoy what you have rather than desiring what you don’t have. Just dreaming about nice things is meaningless: it is like chasing the wind (NLT).”

I was chasing the wind. Those days were gone, at least for now. I was so focused on the past that I neglected to enjoy my present. I robbed myself of the joy of life. Questions leaped into my consciousness: Who can relive the past? What can you change about the past? You can change nothing, about the past! Why then do you continue to live in it?

A light went off in my head. It was as if I was walking in my sleep and suddenly woke up. I’m wasting the gift God has given me. I am alive. So what my life has changed. He has given me life.

It’s true that I live with pain and depression. It’s true that I struggle daily just to get out of bed. It’s also true that I’m limited in my own strength. But I’m able to do all things through Jesus Christ who strengthens me.

I don’t know what the future holds. My healing could be in my future. My ability to find joy in the midst of the pain could be in my future. My hope for good things starts with my belief in God. All things work together for the good of those that love and trust the Lord.

{ 0 comments }

The Art of Public Speaking and the Homeschooled Child

According to most studies, people’s number one fear is public speaking. Number two is death. Death is number two. Does that sound right? This means to the average person, if you go to a funeral, you’re better off in the casket than doing the eulogy.

—Jerry Seinfeld

It is true that the number one fear among adults according to surveys is public speaking. And it is probably true for most children, especially the home schooled child.

Few individuals are born with the skill of public speaking. For the majority of us it is a skill that we develop as an adult and often in fear.

If children can be taught this valuable skill while they are young they will speak with confidence virtually eliminating the fear factor. The question then becomes when to start public speaking training? And what is the most effective way to train?

Click here to read the entire article…

{ 0 comments }