No More Debt Order Printed Copy

Author: Creflo Dollar
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About the Book

"No More Debt" by Creflo Dollar provides practical advice and biblical principles for getting out of debt and achieving financial freedom. The book emphasizes the importance of managing money wisely, living within one's means, and trusting in God's provision. Dollar encourages readers to take control of their finances and break free from the cycle of debt.

Joni Eareckson Tada

Joni Eareckson Tada is a remarkable woman. Injured in a diving accident at the age of 17, Joni has had to endure more physical suffering than most of us ever will. Though she suffered a deep depression and lost the will to live in the aftermath of her accident, she gradually came back to a deeper relationship with God. Because of her early struggles, she has become strong in her faith and is a testimony to the world of how when we are weak, God is strong. Her story is not one of bitterness and despair, as we might imagine it to be, but one of love and victory. Joni Eareckson Tada was born in Baltimore, Maryland in 1950 to John and Lindy Eareckson. She was the youngest of four sisters, Linda, Jay, and Kathy. Her name is pronounced “Johnny”, being he named after her father. Joni inherited her father’s athletic and creative abilities, giving father and daughter a special bond. Her childhood was an extremely happy one. She grew into a young adult surrounded by love, happiness, and security in her parent’s home. The Eareckson family shared a great love for the outdoors, which promoted family togetherness. They shared in various outdoor activities such as camping trips, horseback riding, hiking, tennis, and swimming. In 1967, after graduating from high school, Joni had her fateful accident. It was a hot July day and she was to meet her sister Kathy and some friends at the beach on Chesapeake Bay to swim. When she arrived, she dove in quickly, and immediately knew something was wrong. Though she felt no real pain, a tightness seemed to encompass her. Her first thought was that she was caught in a fishing net and she tried to break free and get to the surface. Panic seized her as she realized she couldn’t move and she was lying face down on the bottom of the bay. She realized she was running out of air and resigned herself to the fact that she was going to drown. Her sister, Kathy, called for her. She ran to Joni and pulled her up. To Kathy’s surprise, Joni could not support herself and tumbled back into the water. Kathy pulled her out and Joni gasped for air. Joni was puzzled as to why her arms were still tied to her chest. Then to her dismay, Joni realized they were not tied, but were draped lifelessly across her sister’s back. Kathy yelled for someone to call an ambulance and Joni was rushed to the hospital. Joni’s life was changed forever that July day in 1967. She had broken her neck – a fracture between the fourth and fifth cervical levels. She was now a quadriplegic, paralyzed from the shoulders down. While her friends were busy sending out graduation announcements and preparing to go to college in the fall, Joni was fighting for her very life and having to accept the fact that she would have to live out the rest of her life in a wheelchair. Joni’s rehabilitation was not easy. As you might imagine she was angry and she raged against her fate. She struggled with depression and often times she wanted to end her life. She could not understand how God could let this happen to her. Before the accident she had felt that she wasn’t living the life she should be so she had prayed that God would change her life – that he’d turn it around. After months of staring at the ceiling and wallowing in her depression, Joni began to wonder if this was God’s answer to her prayer. This realization that God was working in her life was the beginning of Joni’s journey to wholeness as a disabled person. She participated in various rehabilitation programs that taught her how to live with her disabilities and she immersed herself in God’s Word to become spiritually strong. Joni’s life has been a full one. She has learned early on to compensate for her handicaps. Being naturally creative, she learned to draw and paint holding her utensils with her teeth. She began selling her artwork and the endeavor was a great success. There was a real demand for her work. She kept herself very busy with her artwork and gained for herself a degree of independence. She was also able to share Christ’s love in her drawings. She always signed her paintings “PTL” which stood for “Praise the Lord”. Joni has also become a sought after conference speaker, author, and actress, portraying herself in the World Wide Pictures production of “Joni”, the life story of Joni Eareckson in 1978. She has written several books including “Holiness in Hidden Places”, “Joni”, which was her autobiography, and many children’s titles. But her most satisfying and far-reaching work is her advocacy on behalf of the disabled. In 1979, Joni moved to California to begin a ministry to the disabled community around the globe. She called it Joni and Friends Ministries (JAF Ministries), fulfilling the mandate of Jesus in Luke 14:13,23 to meet the needs of the poor, crippled, and lame. Joni understood first-hand the loneliness and alienation many handicapped people faced and their need for friendship and salvation. The ministry was soon immersed with calls for both physical and spiritual help for the disabled. JAF Ministries thus uncovered the vast hidden needs of the disabled community and began to train the local church for effective outreach to the disabled, an often overlooked mission field. JAF Ministries today includes local offices in such major cities as Charlotte, Chicago, Dallas/Fort Worth, Phoenix, and SanFrancisco. The goal of the ministry is to have ten such offices in metropolitan areas by the year 2001. Through JAF Ministries, Joni tapes a five-minute radio program called “Joni and Friends”, heard daily all over the world. She has heart for people who, like herself, must live with disabilities. Her role as an advocate for the disabled has led to a presidential appointment to the National Council on Disability for over three years. Joni also serves on the board of the Lausanne Committee for World Evangelization as a senior associate for evangelism among disabled persons. Joni has also begun Wheels for the World, a ministry which involves restoring wheelchairs and distributing them in developing nations. Joni has won many awards and commendations throughout her life. In 1993 she was named Churchwoman of the Year by the Religious Heritage Foundation and the National Association of Evangelicals named her “Layperson of the Year”, making her the first woman ever to receive that honor. Also among the numerous awards she has received are the American Academy of Achievement’s Golden Plate Award, The Courage Award of the Courage Rehabilitation Center, the Award of Excellence from the Patricia Neal Rehabilitation Center, the Victory Award from the National Rehabilitation Hospital, and the Golden Word Award from the International Bible Society. In 1982, Joni married Ken Tada. Today, eighteen years later, the marriage is strong and committed and they are still growing together in Christ. Ken and Joni travel together with JAF Ministries speaking at family retreats about the day to day experiences of living with disabilities. At the helm of JAF Ministries, Ken and Joni strive to demonstrate in tangible ways that God has not abandoned those with disabilities. And they speak from experience.

single is never second best: enjoying god’s gift at midlife

Marriage is good — it was God’s idea, after all! So, why doesn’t he bring me a spouse? That question, so perplexing in our twenties and thirties, can become downright painful as the decades march us into middle age and our marital prospects diminish. After all, we know the statistics — there’s a better chance of [insert extraordinary random occurrence] than of getting married after [insert any age over 39]. “A solitary life is not his plan for us whether we get married or not.” Does that mean we over-40 singles are doomed to lives of miserable loneliness? Most definitely not. First of all, we can forget about the statistics because, ultimately, only God determines who marries and who doesn’t. If marriage is God’s plan for us, sooner or later we’re going to get married. Even more importantly, we can be sure that a solitary life is not his plan for us whether we get married or not. God has designed us to live in community, in a family of believers, and his work in our lives aims to get us there: “God settles the solitary in a home” (Psalm 68:6). The real question, therefore, isn’t whether we will wind up alone; it’s whether we’re willing for God’s provision of companionship to be something other than marriage. Do We Trust Him? Trusting God’s provision doesn’t mean, of course, that we won’t ever feel lonely. Just as there is a loneliness unique to marriage — in fact, the loneliest people I know aren’t the single ones, but those in a difficult marriage — there are aspects of loneliness unique to singleness: It’s what a young, single woman feels among friends whose conversations revolve around wedding plans. It’s what a 30-something single feels when his maturity is measured by his marital status. It’s what 40-year-olds feel when others make an erroneous link between their singleness and their sexual orientation. Singles’ loneliness is also fueled by the marital happiness we perceive (or imagine) others are enjoying. Trusting God in the midst of all this pain isn’t about looking harder for a mate or even praying for greater patience. It’s about leaning more deeply into Christ and finding in the process all the blessings of union with him — a deeper, more joy-filled union than that of any human marriage. That’s why relief from the pain of unwanted singleness begins as we ask, Do I trust God ? We won’t trust him if we don’t believe he is good in the way he governs the details of our individual lives — including our marital status. If we are single today, that is God’s goodness to us today. Singleness Showcases What Marriage Can’t As we rest in Christ and trust in the goodness of God, the loneliness of being single is transformed into an opportunity to build up the whole body of Christ. In other words, we can serve and glorify God not despite our singleness, but by virtue of it. “The loneliest people I know aren’t the single ones, but those in a difficult marriage.” As we trust God’s good plans for us, we demonstrate, both to ourselves and to the people around us, that singles aren’t to be pitied. And as we abide in Christ, we stop viewing singleness as a problem to be solved. Since there will be no marriage in heaven except the marriage between Christ and the church (Matthew 22:30; Revelation 19:7), singles are uniquely equipped to show others a preview of what heaven will be like. This is why singleness is actually a sign of hope rather than despair. We can showcase this hope to our married brothers and sisters by how we handle our singleness, and we can also display the compassion of Christ to other people who feel lonely. Part of a Greater Family As we watch our friends raise families, there is no need to feel robbed or shut out, because in the new-covenant era — our era — the family emphasis in Scripture is not mom, dad, and three kids. It’s the church family. When the biblical priority gets reversed, it hinders rather than helps the growth of God’s people. Of course, we must seek to uphold the importance of the nuclear family, but we don’t want to make an idol of it. If we consider what the apostles emphasized, we see that their focus was much more on the Great Commission, personal holiness, and growing the church family. And it is this family from which no single Christian is to be left out. Privileged Calling As singles abide in Christ, we discover, often much to our surprise, that there are unique blessings that come with being single. At a purely practical level, we have more control over our time than our married friends. (I say “more control over” to correct the mistaken view that singles always have more time in general.) And the unmarried can more readily live out their personal preferences in planning social activities, vacations, and areas of service in the church and community. Singles encourage one another and glorify God as they identify their unique blessings, willingly embrace them, and put them to good use. The best privilege of being single is far and away the enhanced opportunity for discipleship and serving Jesus. This, more than anything else — including marriage — is how God remedies loneliness. And there is a satisfaction that comes from living out these unique advantages that our married brothers and sisters can’t fully know. If we are willing — if we trust God — we will surely experience the value and rewards of singleness. “The best privilege of being single is far and away the enhanced opportunity for discipleship and serving Jesus.” As we do, we come to value our lives — not despite our singleness, but actually because of it. Women who have rarely or never been pursued by men, or men whose pursuit of women has been rejected (once or many times), often question their worth. It is to such that Christ comes, not to shore up their self-esteem, but to drive them to find him as their worth. As we value Christ, our own value becomes clearer, and as that happens, we discover that somewhere along the way, we’ve stopped defining our personhood and our well-being by our marital status. Singleness isn’t second best. To the contrary, it’s a privileged calling with unique blessings to enjoy and to pour out for others. Are we willing to embrace it unless or until God calls us to marriage? That’s the real question. And those who say yes will never be disappointed.