The Fifteen Percent (Overcoming Hardships And Achieving Lasting Success) Order Printed Copy

Author: Terry Giles
Size: 8.94MB | 183 pages
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About the Book

"The Fifteen Percent" by Terry Giles is a motivational book that offers advice on how to overcome obstacles and achieve lasting success. Giles draws upon his own personal experiences to highlight the importance of perseverance, resilience, and taking risks in order to reach your goals. He emphasizes the significance of maintaining integrity and humility, while also stressing the value of hard work and determination. Overall, Giles' book serves as a guide for individuals looking to overcome hardships and achieve success in their personal and professional lives.

Robert Murray McCheyne

Robert Murray M‘Cheyne (1813-43) was widely regarded as one of the most saintly and able young ministers of his day. Entering Edinburgh University in 1827, he gained prizes in all the classes he attended. In 1831 he commenced his divinity studies under Thomas Chalmers at the Edinburgh Divinity Hall. M‘Cheyne’s early interests were modern languages, poetry, and gymnastics. The death of his older brother David in July 1831 made a deep impression on him spiritually. His reading soon after of Dickson’s Sum of Saving Knowledge brought him into a new relationship of peace and acceptance with God. In July 1835 M‘Cheyne was licensed by the Presbytery of Annan, and in November became assistant to John Bonar at Larbert and Dunipace. In November 1836 he was ordained to the new charge of St Peter’s, Dundee, a largely industrial parish which did not help his delicate health. M‘Cheyne’s gifts as a preacher and as a godly man brought him increasing popularity. The Communion seasons at St Peter’s were especially noted for the sense of God’s presence and power. M‘Cheyne took an active interest in the wider concerns of the Church. In 1837 he became Secretary to the Association for Church Extension in the county of Forfar. This work was dear to M‘Cheyne’s heart. First and foremost he saw himself as an evangelist. He was grieved by the spiritual deadness in many of the parishes in Scotland and considered giving up his charge if the Church would set him apart as an evangelist. Writing to a friend in Ireland he revealed where his loyalties lay in the controversy that was then overtaking the Church: ‘You don’t know what Moderatism is. It is a plant that our Heavenly Father never planted, and I trust it is now to be rooted out.’ Towards the close of 1838 M‘Cheyne was advised to take a lengthy break from his parish work in Dundee because of ill-health. During this time it was suggested to him by Robert S. Candlish that he consider going to Israel to make a personal enquiry on behalf of the Church’s Mission to Israel. Along with Alexander Keith and Andrew Bonar, M‘Cheyne set out for Israel (Palestine). The details of their visit were recorded and subsequently published in the Narrative of a Mission of Enquiry to the Jews from the Church of Scotland, in 1819. This did much to stimulate interest in Jewish Mission, and led to pioneer work among Jews in parts of Europe, most notably Hungary. M‘Cheyne returned to St Peter’s to find that the work had flourished in his absence under the ministry of William Chalmers Burns. M‘Cheyne exercised a remarkably fruitful ministry in Dundee while in constant demand to minister in other places. Just prior to his death (in a typhus epidemic) he had been preparing his congregation for the coming disruption in the Church of Scotland, which he thought inevitable after the Claim of Right had been refused. [Ian Hamilton in Dictionary of Scottish Church History and Theology. See also Andrew Bonar’s Robert Murray M’Cheyne, and the same author’s influential Memoir and Remains of Robert Murray M’Cheyne, both published by the Trust. There is a short biography of M’Cheyne in Marcus L. Loane’s They Were Pilgrims (Banner of Truth, 2006).]

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.