Resources for Christian Women, Encouragement for Families


More on Finances

You’ve heard about the Boynton’s book, Radical Debt Elimination in the previous post. I wanted to share a few lines from section 13, the Conclusion. “A whole new life begins when your debt is paid off, and this book was merely the doorway. By continuing to employ the tools we discuss in our book, your income will increase without your taxes increasing. Instead of needing financial help yourself, now you can help others directly……People need to know that others care. Be the one that brings hope to the hopeless. While you were in deep financial bondage, you were not able to do this but now…..”

The book is organized well. There is an introduction, followed by 4 chapters which discuss 4 phases. Phase I is Determine Your Current Location which talks about where you are at right now financially. Then, in the next chapter we read about Phase II: Thinking Radically – Developing the Plan. The nitty gritty of preparing a budget is covered along with an explanation of reducing and redirecting one’s spending. Phase III is covered next: Executing the Plan. There are 4 sections within this phase: Radically Attacking Your Debts, Finding “Hidden” Money, Nickels & Dimes, and in section 10 there is an explanation of “The Malachi Factor”TM. Phase IV is titled Mission Accomplished! There is a discussion about streamlining cash flow and what’s next, after debts are paid.

I agree with much of the contents. God is sovereign and Mighty. His ways are not our ways. As we learn more of Him and His principles, we are better able to make wise decisions. Christ is our Great Redeemer and Life-Giver. He is our all in all.

Why talk about this book on a website called Prov. 31? God calls us to be good stewards of what He has given us. He wants us to be able to reach out and to help others. This may be in the form of explaining to them the claims of Christ, that He died on the cross to pay the debt that His people owed. This outreach may be in the form of reaching out to a family hurting because they do not know what a budget is or how to make one. The Boyntons have decided to write down and share the joys and trials they have gone through with the intent of reaching out to others. Jesus reached out to those around Him by giving bread, by bringing comfort to the sick, by welcoming little children. Jesus said, “I am the Way, the Truth, and the Life, no man comes to the Father except by Me.”

Finances, Finances, Finances

Happy New Year to all!

As we begin a new year, we often set new goals, make resolutions, establish priorities. An area sometimes neglected in the new year goal setting (or any goal setting period) is finances. A wise man of old summarized how to handle finances in three easy maxims: Earn all you can; Save all you can; Give all you can. Now each of these could be a message in itself and we may give more details in the coming months on these maxims, however, we have been listening to folks for years and a recurring struggle that folks are having is debt elimination.

For us just to say, don’t get into debt won’t really help those who find themselves in debt, whether $1000 or $10,000. In the next few blog entries, we will be discussing a book called: Radical Debt Elimination. Check out the website at:

There are many books, programs, and people stressing debt elimination. “Just pay off the smallest debt, then use that money plus the money budgeted for debt elimination to pay off the next smallest………..da de dah………” What’s unique about the approach in the book Radical Debt Elimination is what the Boynton’s call The Malachi Factor (TM). “We coined the phrase “The Malachi Factor (TM)” from the last book of the Old Testament, the book of Malachi…..We had nearly $80,000 worth of debt that was eliminated in just six years (including the mortgage)! While we were paying off our debt, we added five children to our family. At the end of those six years, we had a total of eight children (we have nine now) and my husband’s annual income averaged $28,700 over the six years. We want you to see that it is not necessary to earn a huge paycheck to eliminate debt quickly…….”

Check out their website, check out the book and stay tuned for more information on Radical Debt Elimination soon!

Happy Thanksgiving to all Who Read This

Today, as part of my devotional time with the Lord, I was going through another chapter of Gate Keepers of the Home – How to Guard Your Home by Nancy Campbell. The chapter dealt with how we can bless/minister to/encourage others. I share with you this entry from Matthew Henry’s commentary discussing Proverbs 11:25 which reads, “The liberal soul shall be made fat: and he that watereth shall be watered also himself.”

“So backward are we to works of charity, and so ready to think that giving undoes us, that we need to have it very much pressed upon us how much it is for our own advantage to do good to others, as before, v. 17. 1. We shall have the comfort of it in our own bosoms: The liberal soul, the soul of blessing, that prays for the afflicted and provides for them, that scatters blessings with gracious lips and generous hands, that soul shall be made fat with true pleasure and enriched with more grace. 2. We shall have the recompence of it both from God and man: He that waters others with the streams of his bounty shall be also watered himself; God will certainly return it in the dews, in the plentiful showers, of his blessing, which he will pour out, till there be not room enough to receive it, Mal. 3:10. Men that have any sense of gratitude will return it if there be occasion; the merciful shall find mercy and the kind be kindly dealt with. 3. We shall be enabled still to do yet more good: He that waters, even he shall be as rain (so some read it); he shall be recruited as the clouds are which return after the rain, and shall be further useful and acceptable, as the rain to the new-mown grass, he that teaches shall learn (so the Chaldee reads it); he that uses his knowledge in teaching others shall himself be taught of God; to him that has, and uses what he has, more shall be given.”