Wednesday, December 31, 2008

God is My Friend

by Chet Nowlen

Every day I hear God speak to me though not with my external hearing or my ears. He speaks to me through my internal hearing. His voice sounds like my voice as I hear myself when I speak. When I speak out loud the voice you hear is different than the voice I hear internally.

The Lord speaks to me through His Holy Spirit. Every time this happens I wish I could somehow write it down or record it as I have heard many great sermons in my internal ear. One time while picking peas in a large garden and then several times while driving alone on long trip.

The Lord seems to especially talk to me while driving to work. I start out talking to Him out loud praising Him and give Him thanks for another day and for the wonderful blessings He has given. He loves to hear my praises as it is my way of giving back to Him the thing He wants most from all his children. I talk to Him as I would my friend and He talks back to me in that sam manor.

Jesus is God, but Jesus also is a man just like you and me. He is in heaven, but yet He lives in my through His Holy Spirit. He has feelings and emotions, and He understands our hurts, life disappointments, and our joys.

Those that know Him recognize His voice when He speaks:

John 10 (Amplified Bible)
1. I ASSURE you, most solemnly I tell you, he who does not enter by the door into the sheepfold, but climbs up some other way (elsewhere, from some other quarter) is a thief and a robber.

2. But he who enters by the door is the shepherd of the sheep.

3. The watchman opens the door for this man, and the sheep listen to his voice and heed it; and he calls his own sheep by name and brings (leads) them out.

4. When he has brought his own sheep outside, he walks on before them, and the sheep follow him because they know his voice.

5 .They will never [on any account] follow a stranger, but will run away from him because they do not know the voice of strangers or recognize their call.

Jesus will not recognize the voice of those who never talk to Him:
John (Amplified Bible)
21. Not everyone who says to Me, Lord, Lord, will enter the kingdom of heaven, but he who does the will of My Father Who is in heaven.

22. Many will say to Me on that day, Lord, Lord, have we not prophesied in Your name and driven out demons in Your name and done many mighty works in Your name?

23. And then I will say to them openly (publicly), I never knew you; depart from Me, you who act wickedly [disregarding My commands].(C)

God recognizes us by the fruits of His spirit that lives in us:

Galatians 5:22 (Amplified Bible)
22. But the fruit of the [Holy] Spirit [the work which His presence within accomplishes] is love, joy (gladness), peace, patience (an even temper, forbearance), kindness, goodness (benevolence), faithfulness,
To be continued...

Wednesday, December 24, 2008

A Great Recipe

1. Take a 10-30 minute walk every day. And while you walk, smile. It is the ultimate anti-depressant.

2. Sit in silence for at least 10 minutes each day. Talk to God about what is going on in your life. Buy a lock if you have to.

3. When you wake up in the morning complete the following statement, 'My purpose is to__________ today. I am thankful for______________'

4. Eat more foods that grow on trees and plants and eat less food that is manufactured in plants.

5. Drink green tea and plenty of water. Eat blueberries, wild Alaskan salmon, broccoli , almonds & walnuts.

6. Try to make at least three people smile each day.

7. Don't waste your precious energy on gossip, energy vampires, issues of the past, negative thoughts or things you cannot control. Instead invest your energy in the positive present moment.

8. Eat breakfast like a king, lunch like a prince and dinner like a college kid with a maxed out charge card.

9. Life isn't fair, but it's still good.

10. Life is too short to waste time hating anyone.

11. Don't take yourself so seriously. No one else does.

12. You are not so important that you have to win every argument. Agree to disagree.

13. Make peace with your past so it won't spoil the present.

14. Don't compare your life to others. You have no idea what their journey is all about.

15. No one is in charge of your happiness except you.

16. Frame every so-called disaster with these words: 'In five years, will this matter?'

17. Forgive everyone for everything.

18. What other people think of you is none of your business.

19. GOD heals everything - but you have to ask Him.

20. However good or bad a situation is, it will change.

21. Your job won't t ake care of you when you are sick. Your friends will. Stay in touch!!!

22. Envy is a waste of time. You already have all you need.

23. Each night before you go to bed complete the following statements: I am thankful for__________. Today I accomplished_________.

24. Remember that you are too blessed to be stressed.

25. When you are feeling down, start listing your many blessings. You'll be smiling before you know it.

Thursday, December 18, 2008

A Father Misses His Children

By Chet Nowlen

One day recently I was sitting alone on a park bench. I turned to my right and a man was sitting on the bench with me, but had a very sad face with tears streaming down his cheaks.

I ask the man why was he so sad. He said he was grieving for his children. I asked if his children were deceased and he said, "No, they are just so far away from me and they do not need me any more.' 'They don't recognize my voice when I call them.' 'They are too busy for me."

Told the man I can relate to how much that hurts as my children and their families live in another state and I hardly ever get to see them. The man said, "My children are very close and I talk to them every day, but they do not hear me.' 'They never have the time to call on me. 'I just miss the talks we used to have.' 'I miss them sharing their problems and looking to me for help."

My head was bent down as he was sharing his hurt and tears were rolling down my face too. I look up towards where the man was sitting but he was gone. I knew who he was now and felt ashamed because he was grieving for me. He was a part of God we know as The Holy Spirit. My Lord and my God was missing me. His Holy Spirit was grieving for our time together.

I rose to me feet and started walking on the walking trail, at the park, crying and praying out loud as I walked around the trail. Eventually the crying stopped and was replaced with joy as I expressed my love to the Father and He back to me.

I make it a point to talk to my Heavenly Dad everyday to praise Him and give Him thanks for everything. I sometimes ask Him for advise to help in certain situations as I talk to Him as my best friend. When I talk to Him I worship Him, I give praise back to Him for all the many wonderful things He has provided for me and my family.

He is waiting to hear from you too. In all things, even in times of difficulty, give Him thanks. "Rejoice evermore. Pray without ceasing. In everything give thanks: for this is the will of God in Christ Jesus Concerning you." I Thessalonians 5:16-18

This was writen for you to let you know that giving your Heavenly Father thanks for all He's done is His will for you. He's been calling you hasn't He? You have felt Him calling but didn't recognize his voice. He's waiting for you - now is the time to talk to Him.

Friday, October 17, 2008

SATAN'S MEETING: (Read even if you're busy)

Satan called a worldwide convention of demons.

In his opening address he said,

"We can't keep Christians from going to church."

"We can't keep them from reading their Bibles and knowing the truth."

"We can't even keep them from forming an intimate relationship with their savior."

"Once they gain that connection with Jesus, our power over them is broken."

"So let them go to their churches; let them have their covered dish dinners, BUT steal their time, so they don't have time to develop a relationship with Jesus Christ.."

"This is what I want you to do," said the devil:

"Distract them from gaining hold of their Saviour and maintaining that vital connection throughout their day!"

"How shall we do this?" his demons shouted.

"Keep them busy in the non-essentials of life and invent innumerable schemes to occupy their minds," he answered.

"Tempt them to spend, spend, spend, and borrow, borrow, borrow."

"Persuade the wives to go to work for long hours and the husbands to work 6-7 days each week, 10-12 hours a day, so they can afford their empty lifestyles."

"Keep them from spending time with their children."

"As their families fragment, soon, their homes will offer no escape from the pressures of work!"

"Over-stimulate their minds so that they cannot hear that still, small voice.."

"Entice them to play the radio or cassette player whenever they drive." To keep the TV, VCR, CDs and their PCs going constantly in their home and see to it that every store and restaurant in the world plays non-biblical music constantly."

"This will jam their minds and break that union with Christ."

"Fill the coffee tables with magazines and newspapers."

"Pound their minds with the news 24 hours a day."

"Invade their driving moments with billboards."

"Flood their mailboxes with junk mail, mail order catalogs, sweepstakes, and every kind of newsletter and promotional offering free products, services and false hopes.."

"Keep skinny, beautiful models on the magazines and TV so their husbands will believe that outward beauty is what's important, and they'll become dissatisfied with their wives. "

"Keep the wives too tired to love their husbands at night."

"Give them headaches too! "

"If they don't give their husbands the love they need, they will begin to look elsewhere."

"That will fragment their families quickly!"

"Give them Santa Claus to distract them from teaching their children the real meaning of Christmas."

"Give them an Easter bunny so they won't talk about his resurrection and power over sin and death."

"Even in their recreation, let them be excessive."

"Have them return from their recreation exhausted."

"Keep them too busy to go out in nature and reflect on God's creation. Send them to amusement parks, sporting events, plays, concerts, and movies instead."

"Keep them busy, busy, busy!"

"And when they meet for spiritual fellowship, involve them in gossip and small talk so that they leave with troubled consciences. "

"Crowd their lives with so many good causes they have no time to seek power from Jesus."

"Soon they will be working in their own strength, sacrificing their health and family for the good of the cause."

"It will work!"

"It will work!"

It was quite a plan!

The demons went eagerly to their assignments causing Christians everywhere to get busier and more rushed, going here and there.

Having little time for their God or their families.

Having no time to tell others about the power of Jesus to change lives.

I guess the question is, has the devil been successful in his schemes?

You be the judge!!!!!

Does "BUSY" mean: B-eing U-nder S-atan's Y-oke?

Please pass this on, if you aren't too BUSY!

I don't think I know 10 people who would admit they love Jesus.

Do You Love Him?

IF YOU LOVE JESUS, you know what to do..

Friday, September 26, 2008

Diet Verses Budget ( Part 1 of 2)

By Chet Nowlen

Managing your money on a budget is an excellent form of stewardship because our money is not our money. It belongs to God and we are simply managers of His money. A budget helps you see where God’s money is going and if there are certain areas whereas you may need to cut back or even eliminate in order for the budget to balance. By using a budget you may find that you may have more going out than is coming in therefore adjustments in your spending are necessary.

Usually when a budget is out of balance is because of debt. I don’t think God’s plan for you to be a good steward was for you to be in more debt than you can pay for at the end of each month. God did not plan for us to live beyond our means. This is what I think of as being “Debt Obesity”. In order to cure “Debt Obesity” one must put their finances on a diet to lose that excess debt. How does one do that?

  1. The first step in winning any battle is to have a plan on paper, and that’s your budget.
  2. The next step is commitment to the plan and all parties involved must be committed to the plan and in agreement with the plan.
  3. The plan must have adjustments to spending for a balanced budget, but more importantly the main goal is to eliminate debt.
  4. Start with the smallest debt and pay it off first. Then take the money you were spending on that debt and apply it to the amount you are spending on the next lowest debt until it’s paid off. Then take the monies from the first two debts and apply them to the third until all the debts are paid off.

Sound simple doesn’t it? It is simple but it’s hard at the same time. It takes discipline, sacrifice, persistence, and most importantly patience. It has to be something that is so very important to you that you will not quit or give up no matter how hard it gets.

The secret to winning this war on debt is to see the end at the beginning. You have to use your visual imagination and see yourself out of debt, slim and trim financially so to speak. Plant your seeds of prosperity in your vision, your mental picture of yourself, and make your way prosperous according Joshua 1:8. Notice the key words in this scripture, “. . . but thou shalt meditate therein day and night, that thou mayest observe to do according to all that is written therein for then thou shalt make thy way prosperous, and then thou shalt have good success.” Plant the seeds of the word in your heart and meditate on those words day and night and in due time you will see a harvest of debt cancelation.

In the Parable of the Talents found in Matthew 25:14-30 Jesus gives an example of faithful stewardship (management). The master gave talents, money, to three different men to manage while he was away. He gave each one of them according to their own ability to manage. To one he gave five talents, to another he gave two talents and to the last one he gave one talent. The man with five talents invested the talents and received back a 100% return on his investment. The man with two talents also invested his talents and received back a 100% return for the master. The third man wasted his talent. Instead of investing it in a venue that would reap a return he dug a whole and buried the Lord’s money in an investment vehicle based on fear. The law of sowing and reaping could have worked for the man if he had planted his seed money in the proper soil (investment vehicle). But, he planted his seed based on fear, which will not bring about the desired harvest the master was looking for.

The faithful steward that the ten talents received the one talent that the unfaithful servant had. The lesson here is the faithful stewards will receive the rewards of their faithfulness and also the spoils of the unfaithful. The unfaithful will lose what they have and it will be given to those that are faithful.

All debt is not necessarily bad debt. With all investments you run the risk of loss, however, investment in real estate normally is the safest investment going. When you purchase the home you live in you probably did not have the cash saved up to pay for it in full at closing. You probably put something down, hopefully at least 20% to keep from paying the PMI insurance. As time goes on you keep making your mortgage payments on time and your equity in your home increases in value therefore your wealth is increasing. Investments in other vehicles like stocks have made people a lot of money but the risk of loss is far greater.

My wife and me have bought and sold four homes and one office building in the fifteen years we’ve been married. One property we only live in one and a half years and still netted over $20,000 in profit. Each property netted us a sizeable profit and now we own the office condo free and clear. We increased our net worth on every property.

Credit Card debt, on the other hand, is bad debt. Its negative debt as it like digging a hole and burying your money in that hole because instead of your money making money for you, you are making money for the credit card company. You now have become a slave to the lender. If you are disciplined enough to pay your credit card balances off on every statement then credit cards are not a bad thing. It’s when you have to use your credit card to live off of is when you have become an unfaithful steward or unfaithful manager of His money.

Sometimes things can happen, i.e., lay off, divorce, economic slowdown, high gas prices, etc., can cause you to get behind and go deeper in debt. I know the feeling because I’ve been there and done that. There is hope! You can overcome the debt but it will take sacrifice, persistence, time, and patience for you to work your way out.

The secret to successful management of God’s money is to plan for life’s emergencies that could come your way. After paying God His tithes pay yourself first and then pay the bills. Most people try to save after paying all their bills and there is usually nothing left over to save. By arranging your budget to where you pay yourself first then you learn to live off of what is left over. If there is not enough left over at the end of the month then start eliminating expenses where possible until your budget is at a zero balance. (See Part 2 of 2 for help in reducing food expenses)

In this lesson we have learned that the money we earn is not ours, it’s actually God’s. We are merely managers or stewards of the money we earn. He expects us to invest our seed tithe of 10% back into the kingdom and then we are to manage the other 90% in such a way that we reap an increase with our investments. Does God need the money that He’s entrusted us with? Does He need the tithe? No, then why the tithe? Because God uses that 10% seed of faithfulness to multiply back to us in order for us to be a blessing to others. He wants us to live life in abundance having more than enough to meet our needs in order that we can give to meet the needs of others. The more we give the more He blesses us.

For additional help in managing your finances please visit my BLOG “Winning the War on Debt” at

Please also read Part 1 of 2

Diet Verses Budget (Part 2)

By Chet Nowlen

The scriptures tell us in 1 Corinthians 6:19, 20 “. . . What? Know ye not that your body is the temple of the Holy Ghost, which is in you, which ye have of God, and you are not your own?

For you are bought with a price: therefore glorify god in your body, and in your spirit, which are God’s.” KJV

Not only is the money we earn not ours but our own bodies are not our either. In Part 1 I talked about “Debt Obesity” and now in Part 2 we will talk about “Body Obesity”. One of my most embarrassing things I do every day is to look in the mirror and realize that my obese body is not glorifying God. I am ashamed to say that I have neglected my body and have not been a faithful steward of my body.

Back in June my cardiologist weighed me in at 265 lbs. and that is the most I’ve ever weighed. All of my clothes were too tight, I could not sleep all night; I was taking pills for high blood pressure, elevated cholesterol, elevated triglycerides, and mild diabetes. Seven years ago I had a quadruple bypass because of partial blockage in my arteries.

Losing weight has never been easy for me but this time I made up my mind I was going to lose that weight so I put myself on a diet (food budget). I decided I was going to lose weight just like getting rid of debt and that was a food intake budget (also known as diet). I use a free website to track my consumption that I recommend you use as well: I set my own goals and my target calorie range per day.

After three months I’ve lost 21 lbs and I can wear all my old clothes again. My target weight is to lose a total of 85 lbs. so I have 64 more pounds to go. My nutritionist helped me set daily goals as follows:
  • Calories: 1500 - 1600
  • Fat: 50 - 55
  • Carbohydrates: 125 - 150
  • Protein: 75 - 94
  • Potassium, K: 4500 - 6000
  • Sodium, Na: 0 - 2300
  • Cholesterol: 0 - 300
  • Fiber, total dietary: 25 – 35

You should talk to your doctor and a nutritionist before beginning any weight loss plan.

Proverbs 23:2 says “And put a knife to thy throat, if thou be a man given to appetite. I was killing myself with food and yet was on a roller coaster ride that I could not seem to get off of.

One good thing about being on a food intake budget is it has helped me to realize I was wasting too much money on food. I track all my income and expenses in the software program Quicken. I was shocked to discover that most of my money was being spent on groceries, eating out, doctors, and medicine. My monthly cost for food was averaging anywhere between $1,000 and $1,500 for our household of three people.

After realizing I had to cut my food expense I decided to think about the kinds of food we were buying. I remember reading a book years ago titled “Help Lord, The Devil Wants Me Fat.” In this book the author teaches the only safe foods are the ones on the outside edge of the store as you first come in – the produce department. I recommend that you read this book - see the side bar on the right for more information.

We changed our purchasing habits and bought mostly fresh raw vegetables, very little meat (except for turkey, fish and chicken), milk, and processed foods. We also limited our eating out and out monthly food expense dropped to between $500 and $700 per month.

We noticed also when we did go out to eat and ate some of our old favorite high fat foods they made us feel sick every time. Our bodies had adjusted to healthy eating and preferred healthy over junk. When we eat out now the only food that doesn’t make us sick is to eat a salad.

Here’s another scripture from Proverbs 23:20, 21 “Be not among winebibbers; among riotous eaters of flesh: For the drunkard and the glutton shall come to poverty: and drowsiness shall clothe a man with rags.”

Please feel free to leave your questions or comments by clicking on the link below.

Monday, September 08, 2008

Prayer Guide for the Presidential Election

It is critical that Christians pray for the coming presidential election. There is amazing power in united prayer. Please print out this prayer guide and pray daily until the election. Pray with others whenever possible. The power of prayer can overcome any obstacle or ungodly influence and, indeed, do great things! START TODAY.

Psalm 32:6-7 - Pray that Christians will be motivated to pray faithfully for this election and that the Lord would deliver us from the wrong leaders.

Psalm 16:7-8 - Pray that the Lord would give wise counsel and guidance to His choice for president in this campaign.

Proverbs 16:13 - Pray that our nation will listen to the truth and not be led astray.

Psalm 18:32-36 - Pray that the Lord would arm the man of His choice with strength; that He would guide him in battle (this election), and that He would sustain him and give him victory.

Hebrews 11:32-34 - Pray that God's man could, through faith, persevere and maintain his courage throughout this election.

09/05 -09/11
Psalm 125 - Pray that those who trust in the Lord will not be shaken.

09/12 - 09/18
Psalm 86:14-17 - Pray that the Lord would defeat those who have no regard for Him in this election.

09/19 - 09/25
2 Cor. 12:9 - Pray that the Lord would empower and enable his man in any area of weakness.

09/26 - 10/02
II Kings 13:16 - Pray that the Lord would put His hands on the man of His choice for president (and his team) and guide them in this election.

10/03 - 10/09
Proverbs 1:5-6 - Pray that God's man will listen with discernment, add to his knowledge, and receive wise counsel in this campaign.

10/10- 10/16
John 16:33 - Pray that the man of God's choice would be given wisdom and ability from the Lord to overcome any obstacle or difficulty during this campaign.

10/17- 10/23
Acts 17:30 - Pray for repentance for yourself and for our nation.

Luke 12:54-57 - Pray that God's man and our nation will be discerning and do what is right.

10/31- 11/06
Phil. 4:13 - Pray that the Lord's choice for President will have special strength and unusual ability from God.

Habakkuk 1:5 and 3:2 - Pray that the Lord would do something that would utterly amaze us and give His servant victory.

During the days of Nov. 7 - 11, be encouraged to set aside a time of fasting during these days to commit this election to the Lord in whom we put our trust. Acts 14:23

Remember 2 Chronicle 7:14: 'If my people who are called by my name, will humble themselves and pray and seek my face and turn from their wicked ways, then I will hear from heaven and will forgive their sin and will heal their land.'

Monday, May 26, 2008

How I can build my credit score?

Hi Chet!!! Thank you for all the help , your advice and mostly your prayers!
It is such a blessing and I thank God for your help! May the Lord continue to bless you in great mighty ways!

Please feel free to use the emails to help others. That would be great! I agree my budget is very tight and it's going to get even more tighter, because my rent is going up from $320.00 to $650.00 starting June, but I know the Lord will provide.
Regarding my emergency fund, I have $o saved now I had to use it to get some work done on my car, but I definitely try each month to put $100 aside.

I tried to apply for credit cards and have not been approved thus far because
I don't really have any credit, just my car note and student loans; but I did let my student loans go into default and I am in a payment program to get them out of defualt status. Maybe that is hindering me...

Do you have any suggestion on how I can build my credit score?

Thank you and God Bless!
Dear A.H.

Sorry to hear your rent is going up more than double - that puts your budget even more out of balance. Please do continue to make a budget each month - now would be a good time to create June's budget. Even though you are out of balance it helps you to see what areas are causing the problem. The reason you need to focus on where the problems are is because that is where you will focus your attack of faith.

What you are going through right now is temporary but right now it seems so impossible. In the future you will look back on this time and wonder to yourself, "How did I make it through this?" You will see God's hand in providing the way through means that were not your doing.

Here's a golden nugget I want you to start today. Get a spiral notebook or compostion notebook and start a daily journal beginning today. Write today's date and then write your daily prayers - write down those problem areas that you are believing God to deliver you from - write it in prayer form but please do not pray the problem - instead pray the answer - use the God kind of faith that speaks of things that are not as though they were (Romans 4:17). I am assuming you know Jesus as your personal savior. If you do not know Jesus please let me know and I'll show you how to know Him.

If you do know Him then you are In Christ and all the blessings of Abraham are yours through faith. The blessings are promised to his seed and Jesus is that seed. You are In Christ therefore an heir to the promise. Since you are a daughter of Abraham and a daughter of the promise then you have been redeemed from the curse - the curse of poverty, sickness, and disease. Therefore, you have the right to take a stand against debt because you were redeemed from the curse by the blood Jesus shed on the cross.

So in your journal each day write down your prayer similar to this; "Lord God, O Heavenly Father I thank you that I am redeemed from the curse. I thank you that my student loans are paid. I thank you Father that all my needs are supplied according to your riches in Glory. I praise you that all my debt are paid and I am debt free. Lord speak to me as I study your word that I may learn your truths so that I may help others in need. In Jesus Name. Amen"

As time goes on go back and read your journal and you will be amazed to discover how God has moved in your behalf because of your prayers of faith (the God kind of faith - praying about things that are not as thought they are). Most people pray and then forget what they prayed for therefore failing to give God the praise and glory for the great things He has done. When you go back and read your journal give God the praise and glory He deserves.

Now regarding your question regarding building your credit score. Credit cards can be a usefull tool if they are managed wisely. Many of the people I work with are in trouble because of mis-management of their credit cards so please proceed with caution. I only recommend using credit cards if you are diciplined enought to pay the balance off every month. They are not to be used for an emergency fund.

There are some credit card companies that will issue you a credit card if you will put up some cash as security. I have personally used this one after divorce and bankruptcy. Things were so bad for me during those days I was escorted out of two different banks just for trying to open a checking account. Do you have anyone that can sponsor you? My mom was kind of enough to loan me $300 to open this credit card account. I used the $300 credit card balance and paid the money back each month for about 3-months and the credit card company upped my credit balance to $600 and then after about 6-months they sent my deposit back and I was able to pay my mom back her $300. After a year the credit card company increased my credit limit and I was successful in rebuilding my credit again.

I once lost everything but God delivered me and restored me with more than I had before. He has blessed me exceeding and abundantly beyond what I could have asked for or even thought of. I met my current wife during this difficult time. We were a blind date that a friend girl arranged for us and we've been together ever since (sixteen years in August). God arranged for the love of my life and the right time. His timing is perfect.

I'll have to tell you my story sometime, if you want.

If you have someone that can sponsor you and want to get that secured credit card let me know and I'll help you find a credit card company to apply to.

Keep praying the answer and believing its yours already.

Shallum (Hebrew for peace, well being, prosperity),

I am struggling financially

Hello Chet!
I hope all is well with you and your family! The reason why I am writing you is first to thank you again for your prayers and help. I thank the Lord for you and the ministry God has blessed you with! I pray that God will continue to bless you and your family. You have been such a blessing to me and have helped me so much, more than you know.

Chet, I am 29 years old and I am so far in debt, I am struggling financially. I have a job, but I cant seem to get ahead financially, I'm always struggling and living paycheck to paycheck... I've been praying but maybe I'm not praying enough because It just seems like nothing changing but my debt getting higher. At times I get really sad because of all my financial mistakes I made in the past that I am paying for now. I feel lost, like I'm in a dark tunnel, with blindfolds on, not knowing which way to go. I don't know what to do. Please pray for me.

Dear A.H.:

I am sorry to hear that you are hurting under the burden of debt. I will be glad to be your counselor and help you work your way through this, but only if you want my help.

If you do want me to help you there are some things I will need to know:

  1. total expenses for the month of April (copy of budget sheets attached) the first budget sheet is for actual expenses and the second one is in case you make so many changes you need a clean page to start over with.
  2. break down your credit card debts and all other monthly debts on a separate piece of paper
  3. break down all sources of income
  4. fill out the "What are you worth" information in this chapter of "Winning the war on Debt": "Who Are The Rich"

Please feel free to e-mail me with questions.

You have prayed and God has already heard your prayers. He has dispatched His messinger with the answer you need but the mountain has not moved yet. There is must be something holding him back. Here's what will help you:

One day Jesus and His disciples were walking and Jesus saw a fig tree and he was hungry. He approached the fig tree to eat, but there were no figs. Jesus cursed the tree by saying, "No man will eat figs from you ever again." Jesus and the disciples pass this way again the next day and fig tree was all dried up. Peter said, "Master, how did you do that?" Jesus said, "Have faith in God. For whosoever shall say unto this mountain, Be removed, and cast into the sea; and shall not doubt in his heart, but shall believe that thouse things which he said shall come to pass; he shall have whatsoever he says. (Read Mark 11)

Here's the secret - notice Jesus spoke to the tree. The lesson here is His example to follow - #1. we are to speak out loud to our tree or our mountain, #2. Have faith in God, #3. Do not doubt, #4. the proper translation for the word believe is plural which is believed - in other words believed that is has already happened then you will see it manifest. In the natural you do not see it right now but in your minds eye you see it has already happened (past tense) and because of your faith it will happen. We have to keep trusting God that He will willing and able to perform what we speak.

That's what Jesus meant when He said to speak to the mountain "Be removed and cast into the sea" He's saying remove that obstacle from your minds eye and see the desired result. In other words don't look at the debt thinking this mountain is so big and its growing - instead refuse to look at the mountain and speak out loud that mountain of debt has been removed and God has blessed me with more than enough to meet my needs.

Jeremiah 17:7 Amplified, "[Most] blessed is the man who believes in, trust in, and relies on the Lord, and whose hope and confidence the Lord is."

The Bible is so full of rich treasures that was written by our Heavenly Father as His way of talking to us and helping us know what to do while we live on this earth that's under the curse. When we speak out loud what His word says we are opening the door and giving Him legal entry to move on our behalf in this world that was given to Satan. We must trust Him to do what His word says.

I trust that what I've said is helpfull. Please feel free ask questions.

For additional help on managing your money please read my BLOG "Winning The War on Debt"

Monday, May 19, 2008

A Teenager's View Of Heaven

17-year-old Brian Moore had only a short time to write something for a class. The subject was what Heaven was like. 'I wowed 'em,' he later told his father, Bruce. 'It's a killer. It's the bomb. It's the best thing I ever wrote..' It also was the last.

Brian Moore died May 27, 1997, the day after Memorial Day. He was driving home from a friend's house when his car went off Bulen-Pierce Road in Pickaway County and struck a utility pole. He emerged from the wreck unharmed but stepped on a downed power line and was electrocuted.

The Moores framed a copy of Brian's essay and hung it among the family portraits in the living room. 'I think God used him to make a point. I think we were meant to find it and make something out of it,' Mrs. Moore said of the essay. She and her husband want to share their son's vision of life after death. 'I'm happy for Brian. I know he's in heaven. I know I'll see him.

Brian's Essay: The Room...

In that place between wakefulness and dreams, I found myself in the room. There were no distinguishing features except for the one wall covered with small index card files. They were like the ones in libraries that list titles by author or subject in alphabetical order. But these files, which stretched from floor to ceiling and seemingly endless in either direction, had very different headings. As I drew near the wall of files, the first to catch my attention was one that read 'Girls I have liked.' I opened it and began flipping through the cards. I quickly shut it, shocked to realize that I recognized the names written on each one.. And then without being told, I knew exactly where I was.

This lifeless room with its small files was a crude catalog system for my life. Here were written the actions of my every moment, big and small, in a detail my memory couldn't match. A sense of wonder and curiosity, coupled with horror, stirred within me as I began randomly opening files and exploring their content. Some brought joy and sweet memories; others a sense of shame and regret so intense that I would look over my shoulder to see if anyone was watching.

A file named 'Friends' was next to one marked 'Friends I have betrayed.' The titles ranged from the mundane to the outright weird 'Books I Have Read,' 'Lies I Have Told,' 'Comfort I have Given,' 'Jokes I Have Laughed at .' Some were almost hilarious in their exactness: 'Things I've yelled at my brothers.' Others I couldn't laugh at: 'Things I Have Done in My Anger', 'Things I Have Muttered Under My Breath at My Parents.' I never ceased to be surprised by the contents.

Often there were many more cards than I expected. Sometimes fewer than I hoped. I was overwhelmed by the sheer volume of the life I had lived. Could it be possible that I had the time in my years to fill each of these thousands or even millions of cards? But each card confirmed this truth. Each was written in my own handwriting. Each signed with my signature.

When I pulled out the file marked 'TV Shows I have watched', I realized the files grew to contain their contents. The cards were packed tightly, and yet after two or three yards, I hadn't found the end of the file. I shut it, shamed, not so much by the quality of shows but more by the vast time I knew that file represented.

When I came to a file marked 'Lustful Thoughts,' I felt a chill run through my body. I pulled the file out only an inch, not willing to test its size and drew out a card. I shuddered at its detailed content..

I felt sick to think that such a moment had been recorded. An almost animal rage broke on me. One thought dominated my mind: No one must ever see these cards! No one must ever see this room! I have to destroy them!' In insane frenzy I yanked the file out. Its size didn't matter now. I had to empty it and burn the cards. But as I took it at one end and began pounding it on the floor, I could not dislodge a single card. I became desperate and pulled out a card, only to find it as strong as steel when I tried to tear it.

Defeated and utterly helpless, I returned the file to its slot. Leaning my forehead against the wall, I let out a long, self-pitying sigh.

And then I saw it.. The title bore 'People I Have Shared the Gospel With.' The handle was brighter than those around it, newer, almost unused. I pulled on its handle and a small box not more than three inches long fell into my hands. I could count the cards it contained on one hand.

And then the tears came. I began to weep. Sobs so deep that they hurt. They started in my stomach and shook through me. I fell on my knees and cried. I cried out of shame, from the overwhelming shame of it all. The rows of file shelves swirled in my tear-filled eyes. No one must ever, ever know of this room. I must lock it up and hide the key. But then as I pushed away the tears, I saw Him.

No, please not Him. Not here.. Oh, anyone but Jesus. I watched helplessly as He began to open the files and read the cards. I couldn't bear to watch His response. And in the moments I could bring myself to look at His face, I saw a sorrow deeper than my own.

He seemed to intuitively go to the worst boxes. Why did He have to read every one? Finally He turned and looked at me from across the room. He looked at me with pity in His eyes. But this was a pity that didn't anger me. I dropped my head, covered my face with my hands and began to cry again. He walked over and put His arm around me. He could have said so many things. But He didn't say a word. He just cried with me.

Then He got up and walked back to the wall of files. Starting at one end of the room, He took out a file and, one by one, began to sign His name over mine on each card. 'No!' I shouted rushing to Him. All I could find to say was 'No, no,' as I pulled the card from Him. His name shouldn't be on these cards. But there it was, written in red so rich, so dark, so alive. The name of Jesus covered mine. It was written with His blood. He gently took the card back. He smiled a sad smile and began to sign the cards. I don't think I'll ever understand how He did it so quickly, but the next instant it seemed I heard Him close the last file and walk back to my side.

He placed His hand on my shoulder and said, 'It is finished.' I stood up, and He led me out of the room. There was no lock on its door. There were still cards to be written.

'For God so loved the world that He gave His only son, that whoever believes in Him shall not perish but have eternal life.'-John 3:16. 'I can do all things through Christ who strengthens me. '-Phil. 4:13. If you feel the same way, forward it so the love of Jesus will touch their lives also.

My ' People I shared the gospel with' file just got bigger, how about yours?



Wednesday, April 23, 2008

Does God Really Hear My Prayers?

By Chet Nowlen

When we pray we should always pray out loud for out of the abundance of the heart the mouth speaks. When we pray out loud we are praying from the treasures of our heart (Matthew 6:21). Our prayers are our treasures we sent to God. Our prayers go up to heaven and enter the throne room and are placed in golden container to await the hearing.

If you ever watched the TV program "Law and Order" you have seen cases are brought before a judge by the district attorney with the plaintiff standing by his/her attorney. I was in the shower yesterday and I saw a vision in my mind that prayers are heard in a similar fashion.

My prayer had a case number and when my case number was called my lawyer (Jesus) stood before the judge (God) to represent my case (my prayer) to the judge (God). The judge reviewed the case and asked my lawyer why should he grant my request. My lawyer told the judge my prayer was based entirely on a legally binding contract, a covenant called The New Testament. The prayer was prayed in accordance with the will of The Father, which is from His own Words found in the Testament. The judge granted the request and the case was closed. Your prayer is your treasure - it is granted on earth but is also laid up for you in heaven (Matthew 6:19).

So when are prayers not aswered? If my prayer is contrary to the will of The Father then Jesus cannot present my case to The Father because there is no case. God will not do anything apart from His will, which is His word. The only way to know how to pray correctly is to know what word says by searching the scriptures for myself and asking the Holy Spirit to reveal the truth found in the word.

Read all of Matthew 6 for a wealth of information on prayer. If you would like more information on Prayer and how to get answers to prayers add a comment below or send an e-mail to

Friday, March 07, 2008

Its Easy To Give Advise When . . .

By Chet Nowlen

Have you ever noticed how easy it is go give other advise when everything is going right for us and how hard it is to give advise when things are not going very well for us. I've done a lot of thinking about this and I have discovered somethings about how easy it is to give advise. Have you noticed that:
  • Skinny people are experts on how fat people should lose weight - especially when they have never been fat.

  • People with good jobs and making a nice living are experts on how to get a good paying job - especially when they've never been without an income.

  • People with plenty of money feel like experts on money and can tell people with plenty of debt how to manage their money - especially those that have never been poor.

  • Ever noticed how easy it is to teach other to have faith when you are not in need nor have ever been in a situation where you will need a miracle to come through a difficult situation.

Lets look at couple of scriptures concerning the way we think of ourselves from the Amplified Bible:
  • Romans 12:3 "For by grace (unmerited favor of God) given to me I warn everyone among you not to estimate and think of himself more highly than he ought [not to have an exaggerated opinion of his own importance], but to rate his ability with sober judgement, each according the the degree of faith apportioned by God to him.

  • Luke 18:9-14 "(9) He also told this parable to some people who trusted in themselves and were confident that they wer righteous [that they wer upright and in right standing with God] and scorned and maek nothing of all the rest of men: (10) Two men went up into the temple [enclosure] to pray, the one a Pharisee and the other a tax collector. (11) The Pharisee took his stand ostentatiously and began pray thus before and with himself: God, I thank You that I am not like the rest of men - extortioners (robbers), swindlers [unrighteous in heart and life], adulters - or even like this tax collector here. (12) I fast twice a wee;' I give tithes of all that I gain. (13) But the tax collector, [merely] standing at a distance, would not even lift up his eyes to heaven, but kept striking his breast, saying, O God, be favorable (be gracious, be merciful) to me, the especially wicked sinner that I am! (14) I tell you, this man went down to his home justified (forgiven and made upright and in right standing with God), rather than the other man; for everyone who exalts himself with be humbled, but he who humbles himsel with be exalted."
Its a very humbling experience to lose your job. Its a very humbling experience to do everything you know how to do to get a job, but you are not what the employer is looking for. You are not what the employers are looking for because you are almost 60-years old, overweight, and without a degree.

Its a very humbling experience when you discover prejudice in the work place because of the color of your skin, the color of your hair, the wrinkles in you face, the size of your waist line, and your lack of a degree. Its a very humbling experience when you do get a job offer that's pays less than what your unemployment payments are.

Lord God, forgive my attitude. I thank you for this humbling experience and I now ask you to supernaturally deliver me and open the doors to the career that is in your plan for my life. I lay down my life and give it to you as I can no longer be my own god. I can no longer go my own way, show me your ways Lord. I place my trust in you to deliver me and restore me in your fellowship. I seek you first Lord and I pray that you will let me use my experiences to help others in need. I give you the glory and praise - In Jesus name, Amen.

Monday, February 04, 2008

What Can Cause My Prayers Not To Be Answered

By Chet Nowlen

Q. I've been a Christian for a long time, but I feel my prayers are not being answered. What are causes for unanswered prayer?

A. There are many things that can cause our prayers not to be answered, but for now we will concentrate on what we say can be a hinderance to our prayers - 1Peter3:7-10 Amplified

7. "In the same way you married men should live considerately with [your wives], with intelligent recognition [of the marriage relation], honoring the woman as [physically] the weaker, but [realizing that you] are joint heirs of the grace (God's unmerited favor of life, in order that your prayers may not be hindered and cut off. [Otherwise you cannot pray effectively.]

8. Finally, all [of you] should be of one and the same mind [united in spirit], sympathizing [with one another], loving [each other] as brethren [of one household], compassionate and courteous (tenderhearted and humble).

9. Never return evil for evil or insult for insult (scolding, tongue-lashing, berating), but on the contrary blessing [praying for their welfare, happiness, and protection, and truly pitying and loving them]. For know that to this you have been called, that you may obtain a blessing as heirs, bringing welfare and happiness and protection].

10. For let him who wants to enjoy life and see good days [good-whether apparent or not] keep his tongue free from evil and his lips from guile (treachery, deceit)."

1 Peter 4:7 "But the end and culmination of all things has now come near; keep sound minded and self-restrained and alert therefor for [the practice of] prayer."

The Bible is full of scriptures that warn us of things in our lives that make us ineffective and unproductive as believers. Our purpose, our calling is to be a blessing to others. How can we be a blessing to other if we are ineffective and unproductive? What can make us ineffective" Bitterness, resentment, and unforgiveness makes ineffective.

Wednesday, January 30, 2008

Steps to Managing Your Life

By Chet Nowlen

Its God objective that we live supernatural lives. This word supernatural is made up of two words, super and natural. Some Christians are too super and some are too natural. Have you heard the saying that some people are so spiritual they are no earthly good and on the same line you don't want to be so natural that you are no spiritual good. The key is balance - balance with more information in both areas.

III John 2 in the Amplified says, "Beloved, I pray that you may prosper in every way and [that your body] may keep well, even as [I know] your soul keeps well and prospers." Prosper means to excell to the desired way which is every area of your life. It is the will of God for us to be successful in every area of life. The soul is your mind, your will, and your emotions. The scripture says as your soul prospers. Simply put as your mind, your will, and your emotions prosper through getting to know and grow in the word and in the love of God you will be prosperous in every area of llife. If your knowledge is limited then your success is limited. If you soul is starving then you will be starving for success. The decisions you make will be based on the knowledge you already possess. If you sould is getting information fromt he wrong base then your destiny is going to end up on the wrong base. Your successes in life are based on what you understand and know in this soul man.

Where are you getting your information from? Has the Bible become the final authority in your life. If you do you now do not argue with the Bible and what it says but rather you allow the Bible to change the way you think. If you get your knowledge from the newspaper, TV news, and talk shows then you are limited to where you are gaining your knowledge.

James 2:17 Amplified "So also faith, if it does not have works (deeds and actions of obedience to back it up), by itself is destitute of power (inoperative, dead)." If you do not have the word of God you do not have faith. No word no faith - you don't have any faith because you don't have and word. My faith is based solely on the word of God. If I'm in the hospital and you ask me what I believe and I say I believe the the word and I'm basing what I believe from the word scriptures "By His stripes I am healed" that is my faith that is based on the word. But, you have to be careful not to do what some people do. What most folks call faith is not faith at all. Its just high expectations of the wrong information. You have to ba careful not to be believing the wrong thing or you are going to be making wrong decisions and wind up in the wrong place.

The word of God is my final authority - that's what I believe, "By His stripes I am healed" and that what I stand on by faith. Now you can believe but if you don't have any action then everything you believe is paralyzed, why? There is no practical doing that is involved. For Christians we believe a lot of things but we don't activate it with works. No matter how much you believe, and no matter how much you look spiritual none of that stuff you believe is ever going to be seen by anyone, including yourself, unless there is some type of work, some type of operation, some type of action that can provide an avenue for that thing to come to pass. Do something, activate something, make something happen, as to provide a way for it all to come to pass.

Whenever Jesus performed miracles He always told someone to do something. That something we do, when He tells us to do it is the obedience, the works, the action that will bring the desired results - believe and obey.

The laws of managing you life:
  1. The law of making wise decisions - foolish decisions will always cost you - we are where we are today based on the past decisions we've made
  2. The law of deligent hard work
  3. The law of living on a budget
  4. The law of saving, planning ahead, and anticipating potential setbacks
  5. The law of listening to the Holy Spirit
  6. The law of inteligent management that will lead to debt freedom - inteligent use of debt leverage - buy a house and get out of that apartment
  7. The Law of accumulation - investing in yourself through your 401K at work and other investments
  8. The Law of consistently giving to God (Tithing) Deuteronomy 8:18 Amplified "But you shall [earnestly] remember the Lord your God, for it is He Who give the power to get wealth, that He may establish His covenant which He swore to your fathers, as it is this day." Wealth is no just money, that's only part of it. To get wealth means influence and position in life - Power meand strength - Power is the ability to get results. When you start getting results people start coming to you to draw from your strength and power. The ability to get results come from God. He chooses to use ordinary people like you and me. I've got the power but how do I harness the power? P stands for plan, O stands for origanization, W stands for work, E stands for enthusiasm, and R stands for reward. Proverbs 21:5 Amplifed "The thoughts (plans) of the [steadily] diligent tend only to plenteousness, but everyone who is impatient and hasty hastens onl to want."
Four key points to organization:
  1. Understand the importance of setting long range and short range goals. Short range goals can be up to a years while long range goals can be five to ten years.
  2. Write a plan to reach each goal
  3. Write a specific time table for each plan
  4. Keep your plan in easy reach
  5. Regularly check the progress in each area.
Work - lasting wealth only comes by work - it only comes by God inspired work- work is inplementing your plan.
Proverbs 13:11 Amplified "Wealth [not earned but] won in haste or unjustly or from the production of things for vain or detrimental use [such riches] will dwindle away, but he who gathers little by little will increase [his riches]."

Please visit my Financial blog at Winning the War on Debt

Thursday, January 03, 2008

81 Year Old Mom's Home is Robbed before Christmas

Good Morning,

Can you please say a prayer for my Mom, Gloria Nowlen (81 years old). Two days before Christmas someone broke into her home (luckily she was not home at the time) and ransacked the whole house. Stealing most of the Christmas gifts she had purchased and lots of sentimental items that had been handed down through our family(no dollar value). My sisters and I have talked her into putting her house on the market since then, but as I'm sure you can understand it will be hard for her both physically and emotionally to relocate at her age. Please pray that God comforts her and blesses her with the understanding that this is the best thing for her to do at this time for her own safety. The hardest part on her is that she doesn't want to leave her church where she still does a lot of volunteer work. She visits the sick in the hospital twice a week bringing them communion and also visits several nursing homes twice a week to help them with church services on site. She's never driven a car and fears that moving ten miles away or more will take her out of this routine she is so accustomed to.

Thank you for taking the time to read this and for your prayers.

Patrick Nowlen
Dear Pat,

Hey, thank you so much for the nice emails. I love them, as always. I heard what happened to your mom and I called her the other night. I am really upset about it and I am worried for her. I'm angry about it, but I am thankful nobody was hurt. When I talked with her, she sounded "not herself" and I think this has upset her alot, which I am sure you know. It is a sad state of the world to know that thieves could come and take every Christmas gift. How sad it makes me in my heart. Have the police found any information yet? I am so upset they took gramma's earrings. These are sentimental for your mom. I know you would probably like to spend just 5 minutes alone in a closed room with the guys who did this (just joking). Ok, I would! hee hee. In all seriousness, you and I both know that drug addicts will do anything for money. They will steal anything, even from their own mothers. And they lie about it. But your mom told me you guys are watching over her, so I thank you from the bottom of my heart! And Patrick, my dad thanks you too.

All my love,

Hey Patrick,

Sorry to hear what happened to Gloria. The enemy comes to steal, kill, and destroy, but Jesus came to give life and to give it abundantly (John 10:10). The enemy meant to steal her joy and to hurt her emotionally, but he could not destroy her spirit. The enemy is pissed off because Gloria is not down and feeling sorry for herself, but instead she is more concerned with being able to continue her ministry to the elderly and her time at her church. She may have had "stuff" stolen from her, but your mom has a vast treasure built up and waiting for her in heaven for the work she has done for the kingdom. What is she doing by serving others - she is actually doing this service to Jesus Himself. Jesus said something to the effect what you do to the least of these you have done it unto me, Matthew 25:40. (Read Matthew 25:14-46 for the full story)

Good works is not what gets us into the kingdom of God, but the good works are seeds we plant because we are willing and obedient to Christ and His teaching of the word concerning the kingdom of God. Our good works planted will reap a harvest of abundance in our lives and the lives we touch. Your mom's good works has reaped an abundant harvest - just look at the many lives that have been changed because of her ministry.

When your Mom passes from this life to eternal life your Dad will be waiting for her, and so will thousands of people that she has ministered to in her life time. Your Mom may not have a lot of material things in this life but she is abundantly wealthy as far as the kingdom is concerned. And that's where it counts.

Some people confuse adundance and prosperity with just money and possessions. True prosperity is the abundance of love for God and for your neighbor. Prosperity is eternal whereas material wealth is temporary.

God Bless,