pinterest – Thinking Out Cloud

A 365 Days Challenge Day #6

A Place for Prayer

The great thing about meeting with God is that you can meet Him anywhere. He can be found on the factory floor just as readily as He can be experienced in a cathedral. If you could find a way to travel to the most distant galaxy, you would find that God is already there.

But just as a couple much in love will seek out a quiet place to be alone together, so you may also wish to find a place all your own to meet with God. You might find a place in your home where you can be free to focus on God. Or you might enjoy connecting with God outdoors along a nature trail or in a park.

Maybe you would prefer to meet privately with God in a church building or mix it up so you don’t get bogged down by too much routine.

As you move forward in your journey, you’ll identify the atmosphere that works best for you. A place for prayer helps you grow in your friendship with God.

God, the place that works best for me to communicate with You is…

The Best place for me to communicate with God is where ever I communicate period. I think the important thing is to separate the time and communicate, and by doing it is what really matters. Of course we all have our little secret special place like our closet, for me, it’s the laundry room or the shower hahaha.
I always have long dialogs at those special times. 🙂

He said, ” My presence shall go with you, and I will give you rest.” Exodus 33:14 NASB

Dear Lord,
You have the power to do more than I ask, more than I can imagine!
When I come to you in prayer then, let me do so knowing what great power You hold over any situation in my life.
I cannot measure Your power or truly even conceive of it in its fullness, but I know that the One who designed the universe by simply speaking it into being has the power to design my life.
I believe You can remold and reshape me and any circumstance in which I may find myself.
God, I praise and thank You for my life and all that You are doing even now to help me.
Lord, I thank You for Your powerful and loving Spirit and for shaping me in ways that only serve to make me stronger.

Amen.

Let’s start today with what I did to become frugal and try to be Debt free.
My husband inspired me by listening to ” The Dave Ramsey Show ” and he came home one day and said, can you listen to this guy I think he’s awesome. I decided to listen to Dave Ramsey for the first time and I thought to myself. Can we do this? Can we really be debt free? Is it possible to pay over $10k of credit card bills and actually live like ” No One else, so later in life we can live like no one else? __ Dave Ramsey”

So, who is this Dave anyways?
Dave Ramsey is a personal money management expert, radio talk show host and TV personality who over the years has helped thousands of people become debt free and change their financial lives.

Before I started to listen to Dave, we had to make a decision, to either listen and apply or don’t do it at all. I started to believe we could and believed in GOD we could do it. AM I there? no! not yet, but we have a lot less to go. 🙂

We started with Dave Ramsey’s baby steps that are

Baby Step 1 – $1,000 to start an Emergency Fund
Baby Step 2 – Pay off all debt using the Debt Snowball
Baby Step 3 – 3 to 6 months of expenses in savings
Baby Step 4 – Invest 15% of household income into Roth IRAs and pre-tax retirement
Baby Step 5 – College funding for children
Baby Step 6 – Pay off home early
Baby Step 7 – Build wealth and give!
we are obviously not anywhere close to where we would like to be, but we will get there.
We had to make some sacrifice, especially at the beginning. It’s not easy because it requires sacrifice. And it’s not a lot of fun. We started less than a year ago.
So, I decided to start looking at all the ways I could save, and I started doing the frugal mom thing (Coupons) I save over $200 a month just on coupons alone. Some people are embarrassed to use them, I’m not simple as that. they are there to help you and you’re not stealing from someone, So why not?

A lot of people talk about how to change their financial lives but never touch on the fact that if you or your spouse isn’t ready to change, it isn’t going to happen. You have to want to change.
His plan might not be perfect for everyone, but it does point everyone in the right direction.
What is your life’s purpose? When you find it, you’ll find the motivation you need to live according to your financial plan, even when it’s tough. Making these steps require a budget. In order to succeed with these bigger goals, you’ve got to make it work day-by-day. Paying off your debt snowball requires snowflakes. And you and your spouse need to regularly communicate.
Give it a try, visit the Dave Ramsey site and other budgeting sites and get started. Believe me, It’s never too late 🙂