Debt-Free Living (Eliminating Debt In A New Economy) Order Printed Copy
- Author: Larry Burkett
- Size: 3.07MB | 211 pages
- |
Others like debt-free living (eliminating debt in a new economy) Features >>
About the Book
"Debt-Free Living" by Larry Burkett provides practical advice on how to eliminate debt and achieve financial freedom in an ever-changing economy. Burkett outlines strategies for budgeting, saving, and living within one's means to overcome debt and build a stable financial future. The book emphasizes the importance of discipline, planning, and faith in achieving debt-free living.
C.T. Studd
“If Jesus Christ be God and died for me, then no sacrifice can be too great for me to make for Him.”
- C.T. Studd
Charles Thomas Studd ("C.T. Studd") was born in England in 1860, the son of wealthy Edward Studd, who had made a fortune in India. Charles Studd liked sports just like most young men. He had a passion for cricket because it was the most popular sport in England at the time. His older brother Kynaston Studd, was a member of the Cambridge cricket team and well known. C.T., however, wasn't a great athlete but determined to master the sport. He would practice for hours, using a mirror to help him adjust his swing. He kept away from any harmful habits that may diminish his cricket ability. Soon he began to master the sport and became the captain of his high school cricket team. In 1879, when Studd entered Trinity College of Cambridge University, his popularity as a cricket star took off. He became what others have referred to as "the Michael Jordan of cricket," a household name throughout Great Britain. He soon became the captain of the Cambridge cricket team, an idol to students and legend in his time. and he had a particular passion for cricket, the most popular sport in England at the time. Studd was claimed then, and today as the greatest player to have ever played the game. But that is just a footnote compared to what has really marked C.T. Studd's life in history.
C.T. was saved in 1878 at the age of 18 by the confrontation of a pastor, who really questioned him as to his personal relationship with Christ. Both his brothers gave their lives to Christ the same day that he did. His passion for Christ diminished as his cricket career grew in college and soon he was hardened to spiritual things. However, in November 1883, his younger brother George got very sick and was dying. As C.T. watched in horror and grief at the suffering of his brother, he reflected, "Now what is all the popularity of the world to George? What is all the fame and flattering? What is it worth to possess the riches of the world, when a man comes to face Eternity?" With a surprising turn, God miraculously healed George and C.T. was so dramatically changed through the event that he consecrated himself to the Lord's work. The things of this world were not worthy of his life, Studd would begin to invest himself in the eternal.
C.T. was part of a small group of Christian men at Cambridge, mostly athletes, who were beginning to devote themselves to prayer and the evangelization of the world. Starting at their campus they began sharing their faith openly and telling all of the salvation found in Jesus Christ. Many were being won because of Studd's influence among other collegians. During this time, an influential missionary Hudson Taylor began to challenge the students of England to join him in reaching the millions of lost in China. His high calling and deep passion for China, captured the hearts of these young men at Cambridge, and there was discussion of joining Hudson's mission agency and pioneering to the unreached parts of China with the gospel.
Despite a promising career in cricket and the life of comfort he had grown up in C.T. determined to follow God's heart for the world and join Him in reaching China. Studd's decision to go to China influenced the other seven men at Cambridge to live for God's glory and devote themselves to China also. From the rowing team at Trinity, Stanley Smith, Montague Beauchamp, and William Cassels joined. Two students, Dixon Hoste and Arthur Polhill-Turner, were officers who also left a promising career in the military to join Studd. And from C.T. Studd's own cricket team came Cecil Polhill-Turner.
Studd faces opposition as well. His father, Edward passed away, causing the family to pressure C.T. not to leave his widowed mother at such a time. His older brother tried to talk him out of going and C.T. simply quoted Micah 7:6, "a man's enemies are the men of his own house."
Before going to China, Hudson organized a tour of the college campuses in England, allowing the "Cambridge Seven," as they came to be known, to share their testimonies, and challenge students to consecrate their lives to the glory of God. Through these months traveling and speaking, God drew people to faith in Christ and awakened the church to His global cause.
In the last meeting of the tour, C.T. Studd urged students saying, "Are you living for the day or are you living for life eternal? Are you going to care for the opinion of men here, or for the opinion of God? The opinion of men won't avail us much when we get before the judgment throne. But the opinion of God will. Had we not, then, better take His word and implicitly obey it?"
Authenticity marked the power of the message of these seven that were on their way to the unreached. C.T. Studd admitted, "Had I cared for the comments of people, I should never have been a missionary." After calling students to obey the Great Commission, the Cambridge Seven, left for China, arriving in Shanghai on March 18, 1885.
C.T. Studd had inherited a fortune from the death of his father Edward but gave most of it away, keeping only ÂŁ3400 pounds. Keeping that only until his wife, Priscilla Livingstone Stewart said, "Charlie, what did the Lord tell the rich young man to do?" "Sell all." "Well then, we will start clear with the Lord at our wedding." And they gave the rest away to missions work.
Studd would return to England and America occasionally because of ill health and challenge students to give their lives to the Great Commission. During the beginnings of the Student Volunteer Movement, in 1896 -1897, his brother J.E.K. Studd spoke at Cornell University, having a deep impact on the future point man for the SVM, John R. Mott. Mott walked in late for the meeting and heard J.K. Studd quote, "Young man, are you seeking great things for yourself? Seek them not! Seek first the Kingdom of God!"
Mott gathered the courage to meet with him the next day and later said that the meeting with Studd was the "decisive hour of his life". Mott went on to become one of the greatest missions mobilizers in world history.
C.T. Studd's work impacted China, India and Africa. Upon the last days of his life he reflected in his life's work saying, "As I believe I am now nearing my departure from this world, I have but a few things to rejoice in; they are these:
That God called me to China and I went in spite of utmost opposition from all my loved ones.
That I joyfully acted as Christ told that rich young man to act.
That I deliberately at the call of God, when alone on the Bibby liner in 1910, gave up my life for this work, which was to be henceforth not for the Sudan only, but for the whole unevangelized World.
My only joys therefore are that when God has given me a work to do, I have not refused it."
One night in July,1931, C.T. Studd went to be with His Lord.
The last word he spoke was "Hallelujah"!
By Claude Hickman
Finding Financial Freedom
The smartest thing we can do financially is to make God’s kingdom and His righteousness our top priority. Since true financial freedom is based largely on the condition of our heart and attitude, we must consciously embrace truth not fear, contentment not greed, humility not pride, gratitude not resentment, righteousness not deceit, generosity not selfishness. The following suggestions are financial strategies that have helped many people. Look at the list, pray over it, and apply what will benefit you and your family with the goal of changing bad habits, reducing stress, and gaining financial freedom. Make a Plan Everything starts with a plan. After you do that, you’re ready to move forward with it. Set specific goals, short-term and long-term. Write them down and refer to them regularly. This will give clarity. Create a budget. This brings freedom. Seek accountability. This will provide encouragement. Give regularly. This will break the grip of selfishness. Eliminate personal debt. This will set you free. Fund an emergency account, save, invest. This will help you have margin. Change your withholding if you get tax refunds. This will boost cash flow. Celebrate milestones with gratitude. This will keep you motivated. Reduce Expenses You can take action now to reduce your expenses. Here are several actions. Keep track of all expenses for at least 30 days to learn your spending habits. Use extra money (tax refunds, raises, gifts) wisely. Become frugal. Live like you’re poor. Buy only what you need. Cancel cable and subscriptions. Limit or drop TV and social media. Find free entertainment. Read more books — use the library. Eat out only for special occasions. Recruit a couple or family to join you on this journey. Challenge yourself to eat the pantry. The smartest thing we can do financially is to make God’s kingdom and His righteousness our top priority. Chuck Bentley in Finding Financial Freedom This Year Go on a “Spending Fast.” Use cash when possible to limit credit card debt. Change your lifestyle. Move, drive cheaper cars, and so on. Reduce utility costs. Avoid “window shopping.” Assess your friendships. Plan ahead for holidays. Grocery shop with a list. Cook large meals, freeze leftovers, and take meals from home to work Say no to impulse purchases. Use coupons or buy what is on sale. Shop consignment or thrift shops. Drop gym memberships. Make coffee at home. Skip soft drinks and bottled water. Find a mobile discount plan. Trade skills with a friend (cooking, yard care, haircuts, and so on). Avoid financing cars and loans. Don’t gamble. Increase Income By taking just a few deliberate actions, you can increase your income. Work hard and ask for a raise. Improve your job skills. Obtain certifications and online training. Take on a part-time job. Sell what you don’t need. Think outside the box. Find creative solutions to problems. Improve Your Health Your health impacts your finances in several ways, including the cost of insurance, your ability to work, your energy level, your ability to sleep, and your state of mind. Sleep a minimum of seven hours. God designed you to function best when rested. Drink more water, much more than you think you need. Eat healthily. Grow food if you can. Exercise daily and spend time in nature. Sunshine is an essential part of your health. Eliminate stress and guard your mental health. Limit prescription drug use. Research natural remedies. Plan for the Future By taking just a few deliberate actions, you can increase your income. Organize your finances and emergency information. Gather documents to prepare taxes. Make a will and plan burial options. Carry adequate insurance: life, health, car, home, or rental. Plan education costs for children. Begin funding retirement accounts. Diversify your investments. Principles and best practices are of no value if we only know them intellectually. Knowing and doing is the key to experiencing God’s promises. Living accordingly will help you to thrive.