Participants: Alane Waters, Tom Waters
Series Code: MGH
Program Code: MGH000018
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00:01 A promise
00:03 to love 00:06 in good times 00:08 and bad 00:12 for richer 00:14 or poorer 00:17 forsaking all others 00:19 as long as 00:21 you both shall live 00:25 MARRIAGE In God's Hands 00:28 Marriage Heart to Heart with Tom & Alane Waters 00:34 Welcome to Marriage Heart to Heart! 00:36 We're Tom & Alane Waters with Restoration International 00:40 And we're looking forward to today's talk! 00:43 We think it will make a difference in your marriage! 00:47 Today we're gonna be talking about 00:48 money matters. 00:49 And it does matter in every one of our marriages! 00:53 And so, we hope that you have a paper and a pencil 00:55 because we're gonna be talking about three 00:57 very fundamental principles about 00:59 managing our money today. 01:03 You know, one of the top 01:05 conflict issues in marriage 01:07 is over money. 01:09 It's one of the major causes 01:13 of the breakdown of the marriages that we have today. 01:16 And one of the reasons is because 01:18 there's so much pressure today 01:21 to make money! 01:23 Because many of the life styles today 01:25 are working at such a high level 01:28 that there's pressure that 01:29 everybody needs to be making money 01:32 to make it! 01:34 So money does matter! 01:36 But how are we handling 01:38 what's important in the use of money, 01:40 what are we doing in our marriages, 01:43 are we really communicating? 01:44 And we're gonna be talking about those 3 things today 01:47 that will make the difference 01:49 in whether money becomes a huge stress 01:52 that finances are a stress in our marriage, 01:55 or that money becomes a blessing 01:58 in the hands of a happy home. 02:00 and a happy God! 02:02 You know, when we're in the "me focus" 02:04 and I want what I want and you wanna do what you wanna do 02:07 and how we spend the money 02:09 we have conflicts! - That's right! 02:11 And this is an area that I can say 02:13 really wasn't that much of a struggle for us! And I'm glad! 02:16 Because we had enough other ones at the beginning 02:18 to start out with! 02:20 But, 02:21 this idea of just being so self focused, 02:24 and we have seen so many couples 02:26 destroy their marriages 02:27 because she's gonna get what she's wants to get 02:30 and it's her money and she's gonna run it 02:32 the way she wants to do it 02:33 and he's determined this way 02:35 and you just see it separating them 02:37 And it causes hard feelings and 02:38 those walls of separations are build up 02:41 and they destroy themselves over 02:43 things! 02:44 Because it's all related to things what money buys! 02:47 - That's right! - In fact a life style 02:48 that we see lived all around us 02:51 and we were caught up in it for a while, 02:53 it forces us, it drives us, maybe is a better word 02:56 we choose to do it but it's a driving force 02:59 that gets dad out there working sometimes two jobs 03:02 or overtime, 03:03 or mother out of the home working a job 03:06 they're both working out to make ends meet, 03:08 to try to maintain this life style! 03:10 And that life style is destroying 03:12 the very fabric of their home and marriage. 03:15 It's all backwards. - That's right! 03:17 I told you, I'd rather have a lot less to live on 03:19 and have more time with you 03:21 than to have more money and none of you! 03:24 Well, I remember when we were making our transition 03:26 from the suburbs of Chicago 03:28 to Montana, in the mountains there, that 03:32 you made a statement 03:34 and we've talked about this in several times. 03:36 You said that 03:37 you would rather live in a tent 03:41 and have more of me 03:43 than to have a fancy home and have me 03:45 me driven to be gone all the time! 03:47 And I meant it! 03:49 Because I was excited about the changes that 03:52 that we had agreed on 03:54 that we wanted to do for our marriage and for our family 03:57 because God really was important to us 03:59 and our family was really important! 04:01 And we really did love each other 04:02 and we wanted to have more time 04:03 to enjoy each other instead of just being out there 04:06 in the world - That's right! 04:07 doing so many other things. 04:09 And loan behold as we've followed the principles 04:12 that God has shown us in His Word 04:14 we didn't have to live in a tent either. 04:16 No, we didn't! But I was willing! 04:18 And you know, those words were said with a willing spirit! 04:22 God never - I knew that! 04:24 - We never had to, but I was willing to! 04:26 But we do love a much simpler and happier life now! 04:29 And our is smaller that the one we used to live in as well! 04:32 And you know, 04:33 I don't know if you heard this but we were visiting 04:35 with a family not long ago, 04:37 and they live in a very beautiful home, 04:41 a very big beautiful home! 04:43 And he made a comment to me 04:45 he said: 04:47 "You are a very rich men!" 04:50 He said: "Because I can see 04:52 the happiness that you have in your marriage, 04:55 I can see the happiness in your children 04:57 they love you, 04:58 they honor and respect you as parents. " 05:01 And I do feel like a rich men! 05:03 I feel very thankful for those things 05:05 because you can't put a price on those things. 05:08 And we know some very wealthy people 05:11 who are driven by money! 05:15 And the world would call them rich people 05:18 or rich men 05:20 but they are not rich in the things 05:23 that really bring true happiness and peace in life. 05:27 So, we wanna talk about 05:30 three areas today and the first area that became 05:33 important to us 05:35 as we wanted to really experience 05:39 the right kind of money management 05:43 was putting God first! 05:45 And now, I know this sounds very simple 05:48 but you think for a moment 05:50 if you're really putting God first. 05:52 There are a lot of professing Christians today 05:55 who say they are Christians 05:57 and who say that they're putting, 05:59 well maybe they don't say they're putting God first but, 06:02 are you really putting God first 06:05 in the area of your financial management? 06:09 Malachi 3 06:12 the tenth verse says: 06:13 "Bring ye all the tithes into the storehouse, 06:15 and prove me herewith" 06:18 Here's God saying: "prove me"! 06:21 "saith the LORD, 06:22 if I will not open you the windows of heaven, 06:25 and pour you out a blessing, that you will not have 06:27 room enough 06:29 to receive. " 06:30 That is quite a command 06:34 and a promise. 06:36 God's asking us for 06:38 ten percent 06:40 of what He has blessed us with financially 06:43 to give back to Him 06:45 to continue to sustain the work 06:47 that He has going on, on this Earth. 06:50 Now, God really doesn't need our money! 06:53 He owns everything, including our money. 06:56 He gives us the power to get wealth 06:58 but God is giving us the opportunity to be His stewards 07:03 to give back, because what God knows 07:05 and what we have learned in our marriage 07:07 is that it is truly blessed 07:10 and more blessed to give than to receive 07:13 because we have found that you cannot 07:15 out give God! 07:17 So God wants us to give back, He 07:20 gives us a command and He gives us a promise. 07:23 The command is that we would return to Him 07:26 as stewards ten percent 07:27 and then 07:29 that He will give to us blessings 07:31 that we don't have room enough to receive! 07:33 - That's right! - So, does that 07:35 if we give our tithe 07:38 and are offering to the Lord, to His work 07:41 does that mean that we're gonna get rich 07:44 financially? 07:45 No! That's not what it says! But all of our needs will be met! 07:48 - That's right! - And that's a promise! 07:49 And there is no question 07:51 that God has met all of our needs! 07:54 And there's no question 07:56 that He has blessed us way beyond 07:58 what we could ever have dreamed 08:00 in our own marriage and family! 08:03 And I'm glad we made that commitment, 08:04 when we were first married, 08:06 that God would be first with our finances. 08:08 We really wanted God first in our lives and in our marriage 08:11 and that's what we said and that's what we 08:13 thought we had started 08:15 but we didn't recognize the two big "ME"'s we each had. 08:17 And we didn't know how to become one big "US" 08:19 under God! 08:20 But God takes us where we are 08:22 and I think that's the beauty of it! 08:24 God takes us where we are! 08:26 - That's right! - And then He leads us 08:27 step by step! 08:29 And so, if you haven't understood this principle before 08:31 in financing, about one tenth belonging to God 08:35 and then to give it back to God, 08:37 we wanna encourage you, not to be intimidated by, 08:39 not to say: "Well I don't have enough money to do that!" 08:42 But to take God at His Word and prove Him! 08:44 That's what He says: "prove Me! 08:46 And I will bless!" 08:48 And so, that's the experience that we have found in our home 08:51 we made that commitment 08:52 and when we got paid 08:54 the first thing we would do 08:55 is pay that tithe check. 08:57 And that was really a 09:00 a blessing for us and our home! 09:01 Yes! And it's really 09:03 it's a faith step 09:05 in many cases 09:07 it's a step of faith 09:09 that we believe that God will take care of us! 09:11 Does that mean then 09:13 for the person out there that may not be 09:16 accustomed to this tithing principle, 09:18 maybe they've never studied it before, 09:21 does that mean then 09:23 that if we look at our pay check 09:26 and we don't think 09:29 the way it all ends up at the bottom line 09:31 that we're gonna have enough to pay our bills 09:33 and pay our tithe 09:34 do we still wanna take that tithe 09:36 out at the beginning for the Lord? 09:39 That's been our choice! Because if it doesn't come out the first 09:42 it doesn't come out at all! 09:44 It's the same way in our spiritual walk 09:46 if we don't take time for God 09:47 first, we tend not to have time for God at all! 09:50 - That's right! - If you and I don't take 09:51 time for each other first 09:53 we tend not to have time, or very little time, at all. 09:57 So, it has to be a priority! 09:58 Just like everything else in our marriage! 10:00 And it really is a faith decision! 10:03 If God is calling to us to 10:07 give back 10:09 ten percent of the first fruits, 10:12 ten percent of the first when we get the pay check 10:15 if God is asking us to do that 10:18 and He's also then giving us the promise 10:21 of what He will do to open the windows of Heaven, 10:24 it is safe for us! And it has always been safe for us 10:28 to trust God enough to give to Him first! 10:31 And He will always take care of us! 10:35 And I think that's been a blessing that we've seen that 10:38 demonstrated in the homes we've come from, 10:40 from our own parents! - That's right! 10:41 Because we have gown up in homes 10:43 where both of our families, our parents practiced this 10:47 and they were committed to it! 10:49 And we know, having been raised in those homes, 10:51 the blessings it has been! 10:53 Oh, it's incredible, some of the stories that we could tell 10:56 of the, at least I know in my family where 11:00 there wasn't going to be enough money 11:03 in some situations as I was growing up. 11:07 And God always provided! And I saw it! 11:10 The other thing that I saw in that was 11:12 that I saw my parents regardless of 11:14 the difficult circumstances, because my dad 11:17 as you know went through some major surgeries and 11:19 the insurance didn't cover everything 11:22 but my dad and mother always 11:25 always set aside their tithe first! 11:27 Even though 11:29 there were times that there was no possible way 11:32 and it was amazing to see how God would come through 11:35 every time 11:36 to honor that faith! 11:38 That's right! 11:39 And so, the first thing we agreed on 11:41 was that we would put God first 11:42 in the use of our money - That's right! 11:44 and how when we will receive what He, the blessings 11:46 He gave us, that we would give back to Him 11:48 what was rightfully His. 11:49 - Yes! - And then we made 11:50 another agreement in our marriage! 11:52 That's right! 11:53 We made the agreement that 11:55 we would always be in unit and in harmony 12:00 for how we spend our money. 12:03 Now, some people say: "Well," 12:04 you know, "Here you have your money!" 12:06 and when we got married 12:07 you were working, you were nurse recruiter at the hospital 12:10 you were making good money, 12:11 and I was a program director and 12:14 we had our own incomes. 12:16 We could have very easily 12:18 done that. - His and hers? 12:20 Yes! You keep your money and I'll keep mine and 12:24 I go on spending mine the way I want to and 12:26 you spend the money the way you want to. 12:28 But we agreed 12:30 after we agreed to put God first, 12:32 we agreed 12:33 that we would come into harmony 12:35 on how would spend our money. 12:37 That's really what it talks about in Amos 3:3. 12:41 It says: "Can two walk together, 12:43 except they be agreed?" 12:47 It's a good question, isn't it? 12:48 - It is! - And we wanted to be 12:50 agreed on how we used our money! 12:53 And God has really blessed us in that! 12:56 And it's brought so much happiness and peace 12:58 and contentment because we're not having a fight or 13:00 argue over - That's right! 13:02 I want this and you want that 13:03 and I wanna go here and you don't want me to go there 13:05 and how that money is to be used and 13:07 it's said when you see how many couples 13:11 really struggle in this area. 13:13 And if they could just be willing to say: 13:15 "I will accept this principle 13:17 that God has in His Word from Amos 3! 13:20 We will accept that!" 13:21 and look at the unity and harmony 13:22 that they can have in their home. 13:24 Because now we can be in agreement 13:26 and when we have agreement then it's easy to begin our 13:29 course together! 13:30 That's right! The difficulty 13:32 is that big "ME" again! 13:34 And we've talked about that 13:36 that "me focus" 13:39 many times because 13:41 we find that whenever there's a 13:43 a problem that seems to be insurmountable 13:46 when there seems to be a difficulty we can't get passed 13:49 it's usually because one of the other of us or both of us 13:53 is slipping back into a "me focus"! 13:55 We have never faced anything 13:58 and that's beautiful to be able to say never 14:01 when we have made this commitment 14:02 we've never found anything 14:04 that God hasn't been able to resolve 14:07 if we were willing to come into agreement with God 14:10 and with each other! 14:12 So as long as the "ME" is in control 14:15 then the money is spent for what I want 14:17 and the bills start - That's right! 14:19 adding up. 14:20 And then the stress starts coming. 14:21 And then the walls start coming up and division takes place. 14:25 And heart ache and maybe even, well we know families they, 14:29 their marriages have dissolved over financial issues. 14:32 That's right! 14:33 So it has been a blessing to be able to agree 14:36 from the little things to the big things, 14:38 especially in this area. Because we know 14:39 that it's an area that - That's right! 14:41 can be very deadly! 14:43 To move from the "me focus" 14:46 to the "us focus". 14:48 That's a fact that our 14:50 communication and the little things 14:53 it's talked about how we agreed on our bills 14:56 and how we would look at debt and 14:59 all these kinds of things 15:01 that were very important 15:02 and many people are refusing to look at. 15:06 I remember one family that we talked with 15:09 and the wife had no idea 15:11 that the husband had taken a second mortgage 15:13 out on the home. 15:14 I mean that's a huge sum of money 15:16 against the property. 15:18 And it was until, I don't know months, maybe years 15:21 later she found this out 15:23 that he had wanted to invest it. 15:26 - That's right! - To try make a little more! 15:29 And - He didn't want 15:30 to tell her bout it. 15:31 He didn't want to tell her about it! 15:32 And that's where we don't have that honesty 15:35 then in the marriage. - That's right! 15:36 We need that honesty and we need to be agreed 15:38 so that we can alleviate, 15:40 dissipate problems. We can keep problems from ever 15:43 being problems if we're willing to do this 15:46 and cooperate with this principle. 15:49 And I know that each of our listeners, our viewing audience 15:52 can benefit from these principles 15:54 that we've been discussing, too! 15:56 But we need to take a break right now! 15:58 we hope you'll stay with us 15:59 as we go to our third principle 16:01 when we'll return! 16:08 There are many "How to?" books available, 16:10 but there's one that's free and perfect for every couple: 16:13 how you can "Build a Better Marriage". 16:16 Bible-based, matrimonial advice 16:18 is given in a lighthearted, easy-to-read manner, 16:21 for those contemplating marriage, 16:22 newlyweds, couples in their golden years, 16:25 and everyone in-between. 16:27 Simply call or write for your free copy 16:29 of this amazing little booklet, a handy little tool 16:32 to help build a better marriage. 16:40 Welcome back! As we're talking about 16:42 the three principles 16:44 in money matters that are foundational 16:47 to having a marriage that's heart to heart 16:49 in our areas of finance. 16:51 The third area that we wanna talk about 16:54 is: "Owe no man any thing" 16:57 Now that's not my concept! 17:00 That's taken from Romans the 13'th 17:03 chapter in the eight verse: 17:05 "Owe no man any thing," 17:08 now that's a pretty tough statement, isn't it? 17:11 So what do we do with that? 17:13 Well it's pretty difficult in this day and age 17:16 to not owe anybody anything 17:17 especially if you're buying a house. 17:20 So, 17:21 what we wanna talk about is how we can minimize that. 17:25 How we can do the best that we can 17:27 with our finances and be agreed. 17:31 We knew two families that happened to be buying 17:34 property. And this was several years ago. 17:36 They both ended up with a fifty thousand dollar 17:40 mortgage. 17:42 So, obviously 17:43 they both owed fifty thousand dollars. 17:47 The difference here is that 17:49 one couple decided that they were going to do 17:53 everything that they could. 17:54 They were going to bend all of their efforts 17:57 to get this mortgage taking care of 17:59 so that they would owe no man anything. 18:02 The other couple on the other hand had 18:04 what I would call a more modern philosophy. 18:08 And that is that the more money that 18:10 we can leverage, the more money we can invest and. 18:13 And so, the other couple decided that they would 18:16 make some investments somewhere else 18:19 and they would just continue to make they basic payment. 18:23 That first couple making double principle payments 18:26 sometimes and putting as much extra on those payments 18:30 as they could, when they came to nine years 18:33 into that mortgage, on a thirty year mortgage, 18:37 at nine years 18:38 they were completely clear with that debt. 18:41 Now, that's pretty impressive, isn't it? 18:43 Very impressive! That means they put 18:45 their heart into this commitment they made! 18:47 It was a serious commitment 18:49 that they wanted to owe no man anything! 18:52 The other couple 18:54 who had decided to go the different direction 18:56 in their philosophy 18:58 when they came up on nine years 19:00 they owed nearly the same amount of money 19:03 on their mortgage. 19:05 And they ended up getting in some financial difficulties 19:09 that caused them a tremendous amount of stress. 19:14 And they wished that they had don what the other 19:17 couple had done. 19:19 So, 19:20 when we're talking about: "owe no man any thing" here 19:23 it's not that we can just 19:26 eliminate instantly a mortgage debt 19:28 but we made a decision and a commitment 19:30 that we were going to do all that we could 19:33 to eliminate debt as quickly as possible! 19:35 And that has been a tremendous 19:37 encouragement and blessing in our marriage. 19:39 It has! It's given us financial freedom for years 19:42 Because we made that commitment. 19:44 And even when we moved from the suburban setting of Chicago 19:47 to the country, when we built our home 19:49 we were looking for every way that we could 19:51 to stay out of debt. 19:52 That's right! - And by God's Grace 19:54 we were able to stay out of debt with 19:56 the entrust or the profit 19:57 that we had made from our previous home. 19:59 We just almost unheard of. 20:00 But we also, in order to do that we 20:03 went to second hand stores, remember when we picked out 20:05 a toilet from a second hand store? 20:07 And a sink from a second hand store? 20:10 And, you know, those things are still in the house today! 20:12 - That's right! - And nobody 20:13 ever knows the difference! I mean 20:15 they work! 20:16 Nobody knew they were second hand! 20:17 That's right! They're the same color, they're the same style 20:19 as everybody else's and they do the same thing. 20:22 So, we looked for ways to stay out of debt. 20:25 - Yes! - And we received the blessing 20:27 from that. Because what it did 20:29 is it didn't put the pressure on you to have to 20:32 make so much money! Especially in your professional change. 20:36 You know, from being a radiology to going into 20:40 selling rural properties. 20:42 - Quite a change! - Quite a change! 20:43 No longer the regular pay check every two weeks! 20:46 Now we were getting commission only! 20:48 That was a huge step, but I knew that 20:50 I had confidence in you to lead in that. 20:52 And I saw that by cooperating and working together 20:55 rather than working against each other 20:58 we've found harmony, even through those 21:01 some of those financially difficult times. 21:04 That's right! 21:05 And we really wanna encourage you 21:08 that you bend all of your energies 21:11 not towards the modern philosophy today but 21:15 bend your energies towards paying off that mortgage. 21:17 And there is a difference between mortgage debt 21:20 and what we would call regular debt 21:23 or that some people would call frivolous debt. 21:26 When we take a mortgage obviously the people 21:29 that are on the other end of the transaction 21:32 have something. And in today's real estate market 21:35 in most areas 21:36 that home is appreciating 21:38 in most cases. 21:39 So, if we default on that mortgage 21:42 then they're gonna get the house back 21:45 and they're gonna get it back from 21:47 probably more than it was worth when we 21:49 first started in that mortgage transaction. 21:52 So there's a different pressure there 21:54 that's not to encourage mortgage debt 21:56 but it is a different kind of debt than when you go out 22:00 and buy a new furniture, a new car every year, a whatever, 22:04 and you put that on a credit card or you start 22:07 piling up the bank loans 22:09 at a higher interest rate 22:10 because if you take that car back six month later 22:13 they're not gonna give you 22:14 an appreciated value, 22:16 they're gonna give you a depreciated value. 22:18 And so there is a difference here 22:20 most of us can't go out and buy a home 22:23 and pay cash for it 22:25 but we just wanna encourage you 22:26 to begin working earnestly 22:30 and honestly to remove that debt 22:32 to lower it as quickly as possible. 22:35 It's interesting 22:37 Ben Franklin, we're talking about a man 22:39 who lived a long time ago 22:42 but listen to what he says: 22:44 "When you run in debt 22:46 you give another Power over your liberty!" 22:51 How do you like that feeling? 22:52 The idea that when you're in debt 22:55 you give someone power over your liberty? 22:58 It's not a very nice feeling! 23:00 And Ellen White said it this way, 23:02 she said: avoid debt 23:04 as you would avoid the smallpox" 23:08 I want you to think at this picture for a moment. 23:10 Can you imagine 23:12 you get another hankering for 23:15 a new bedroom set. 23:17 The one you have is fine, but 23:18 you know, styles are changing. 23:20 You've have it for another ten o twelve years 23:22 it's time to update right? - So, yes! Let's go 23:24 out and get another one! Well you get in there 23:26 and you see the perfect one that you really like 23:31 and as you're considering the debt that you will accrue, 23:34 because you don't have the money for it, 23:36 and so, you're gonna put it on a credit card. 23:38 But they've told you now that 23:40 it's nothing down and no interest for six month, so 23:43 that's great! 23:45 Well, sic month is gonna come 23:47 but you out that aside 23:49 and you go up there and you make the transaction 23:52 and as you're getting ready to sign that credit card bill 23:58 supposing, at that moment, 24:01 that you got a little sign that popped up on the 24:04 the cash register 24:06 that said this: 24:08 "When you sign the transaction 24:10 you will get smallpox!" 24:13 How would you like that? 24:15 I would 24:16 not sign the thing and leave the store! 24:18 "Avoid debt like you would avoid smallpox!" 24:22 I think the problem is that 24:24 many of us have lost 24:26 the real significance of debt. 24:27 We live in a society that encourages debt. 24:30 And we have found 24:31 the freedom and as Ben Franklin says, 24:34 we have found that our liberty 24:36 is better when we don't have it under the power 24:38 of another! 24:40 And I think that if we look at 1 Corinthians 13 24:44 where it talks about what love really is, 24:46 and I know in previous programs 24:48 we've talked about respect and restraint. 24:50 And as we let that love of Christ work in our heart 24:53 and I respect you 24:54 that helps me to choose to 24:56 use those founds in a way that keeps our family out of debt 24:59 or for you to be careful on how you manage the founds 25:03 to keep our family debt free or 25:04 to keep us - That's right! 25:06 from having that financial pressure. 25:08 So I think that we can bring in here in our marriage 25:11 the love chapter "seeketh not her own". 25:14 but it looks for ways to be able to 25:17 keep that harmony and that unity in the marriage. 25:20 And you know, we will as we have seen 25:22 we will have more time together. 25:25 You will have more time together 25:27 as you can take those debts down, 25:29 take the pressure off. 25:31 so that you can have more time 25:32 for the marriage and the family. 25:34 Yes! We're reinvesting our assets 25:37 and we have each other as an asset 25:39 and so let's spend - That's right! 25:40 the time there instead of things that drive us apart. 25:43 Well I think we need to look at a personal challenge now 25:46 because each one of us has to 25:48 come to grips with this in our marriages. 25:51 And so the three areas that we discussed 25:53 we wanna look at what we can do 25:56 to make those a reality in our experience. 25:58 So we encourage you to consider 26:00 each of these three principles from God's Word 26:03 and ask yourself: "What are we willing to do?" 26:06 "What am I willing to do?" 26:07 "What are w willing to do together?" 26:09 Are we willing to put God first? 26:11 And let Him prove to us 26:14 that He is the God of all flesh 26:15 and there's nothing too hard for Him 26:17 and that all of our needs will be met. 26:19 Are we willing to agree together 26:21 with each other on how those founds are to be spent? 26:25 How we're gonna manage those founds? 26:26 And we're gonna be talking about that in a later program 26:28 the actual managing of those founds. 26:31 But accept and agree on that principle 26:34 that we will work together 26:36 start wherever we are 26:37 and begin to make those agreement together 26:39 on where those founds are gonna go. 26:41 And lastly that "owe no man anything"! 26:44 If you have debts look for ways that 26:46 you can get out of debt as fast as possible! 26:49 And cooperate in the littlest things 26:51 it's five dollars here and fifteen dollars there 26:54 and eight dollars here, 26:55 and that adds up to a lot of dollars in a year. 26:58 That's right! 26:59 Well I thinks it would be good to 27:00 to pray a prayer of commitment 27:03 that we can enter into these 27:04 and that our viewing audience as well! 27:07 Father in Heaven we thank You 27:08 for the opportunity to put You first 27:11 and we pray that as we do this in our finances 27:14 that You will open the windows of Heaven 27:16 and that You will be our God and 27:18 we will be Your people, in Jesus name, Amen! 27:23 Well we look forward to having you join us again! 27:26 In our next program 27:28 we're gonna be talking about 27:30 managing our money, 27:32 the specifics of how we sit down and look at 27:36 the budget 27:38 and how we make those decisions 27:40 for a marriage heart to heart! 27:45 Marriage in God's Hands |
Revised 2014-12-17