MY REFUGE

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  MY REFUGE Psalms 46:1-7 Devotional:- "God is our refuge and strength, a very present help in trouble.” (V. 1) It is always very easy for men to say God is not good to them when they have a pressing need. But if you observe it carefully, wisdom will let you always appreciate Him. It is not every one that began this year that is still alive now. Many were faced with challenges greater than themselves and were swallowed up. If you listen to the reasons for their falls, they are not too great. The truth is that you also have passed through challenges greater than theirs, but God was your refuge. Anytime you run to Him, you will find a hiding place in Him. Even when it looks like the situation wants to swallow you, you still find strength for help in God. Do you know that you have been enjoying His refuge not because you are better but because He loves you? No matter what happens, do not be afraid, your lover is your refuge. All you need to do is keep drinking from the river from the...

SAVING CULTURE

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SAVING CULTURE

Scripture Reading: Proverbs 13:22-25
Devotional:- “Much food is in the fallow ground of the poor, And for lack of justice there is waste” (V. 23) NKJV


    It is important that you realize the importance of cultivating the habit or lifestyle of savings. It is an attitude that we must consciously cultivate. If not, people will be poor forever. Saving culture is a singular factor that can turn a man's financial status around for good. God makes us as a creature that can form habit and this is one of the major habit you must labour hard to form. If you don’t form habits for financial freedom, you are likely living with habits of financial failure. 

We are able to form habits when our understanding is opened to the importance of doing something to achieve something. Some people inherited the financial habits from their family lineage. Such family will forever be able to amass wealth. Some people because of lack of savings culture will never handle volume of money in their lite time. The moment the parents don’t have this habits, it becomes difficult for the children to have it. The way out of poverty is to see the importance and discipline oneself at all cost to cultivate this saving culture. Saving is the act of setting aside a percentage of your income, to keep it with discipline never to touch it till maturity. The enemy of the saving culture is pleasure and fun mentality, living to please people and comparing yourself with others (Proverbs 21:17; 2 Corinthians 10:12). 

Friend, it is not how much you earn now that determines your financial future, it is how much you can conserve and invest. Discipline yourself to start separating at least 20% of your income for saving and investment. It can be daily, weekly or monthly. There is a need to discipline yourself never to touch your savings until it becomes a bulk to be invested. Then you can by it walk your way out of lack forever by the wisdom of savings. Peace.

PRAYER: Lord, give me the grace and enablement to discipline myself for a better tomorrow.

“IF YOU CAN'T SAVE AND INVEST, THERE WILL BE NO FINANCIAL FUTURE”

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