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?