This is Faith Powers my WealthDominionaire Avatar, she is 44 years old, and she is a single mother of 3 children, two girls, and one boy. Their ages are 17, 14, and 11.
She works at a retail company for 7 years, and she is a night intel crew leader. She works from 4:00 pm -until- 12:00 am and works 40 hours a week. She earns $35,000 a year and makes $18.29 an hour. She gets two paid holidays a year, and 200 hours of PTO. Her checks every two weeks after taxes are $1,333, her bi-weekly gross before taxes is $1,462.
She has a Degree in Associate in Business General Requirements (ABUSGR) and she wants to pursue her career in working at a financial firm. However, she needs to go back to school. Unfortunately, her student loans are expensive and her FICO credit score is a 520.
This is due to past negative marks, unpaid bills, derogatory items, foreclosure, medical bills, and serious delinquency of late payments on her credit. She was married for 8 years, she had a home, cars, credit cards, and loans with her ex-husband that was not paid. She has $272,000 negative marks on her credit.
Now that she has been divorced for the last 10 years, she is ready to make a new start, and buy a home for her family.
Her bills, children curriculum activities, and student loans prevent her from being able to purchase a home.
In addition, she wants to start a business from home as a baker, she loves to bake pastries in her spare time. She bakes cookies, brownies, cakes, and pies for her children school functions.
She cooks for her church and she sells her deserts at her church functions.
One day she heard the Holy Spirit, said she must follow God's word. She said to herself, what would that be, I am not doing anything? I do not drink, smoke, use foul language, have sex, gossip, or disobey my Pastor?
I think it must be negative forces trying to make me feel bad, or get me off my square.
I know God loves me, I am a saint and a Christian, I am in church and bible study every week. There should be no reason why my money or anything in my life makes me go without.
Now that you know information about Grace here is the amount of her financial obligations.
Tithes: $60
Rent: $950
Gas: $100
Electric: $100
Water/Sewer: $50
Internet/Cable: $80
Car note/Insurance: $350
Rental Insurance: $25
Student loans: $150
Food/household items: $300
Gas for work and children events: 150
Personal needs for her and children: $140
Life insurance: $40
Movies and dinner for the family: $100
Grand total for all bills monthly ($2,605)
Remember, her monthly income after taxes is($2,666)
If she came to you for spiritual financial advice and insight, what would you suggest?
How much does she has left after bills?
What would you change in her monthly bills?
What do you think it is that is hindering her finances and why, please explain in details?
Why do you think she ever has any money left after paying bills?
What would you suggest her to do to fix her credit, her income, and budget in her bills?
How long would you think it would take her to budget her monthly bills?
Why do you think she has not started her business?
Do you think she should start that home bakery, therefore she can receive some extra income?
How soon do you think she should get started?
Can you relate to Faith, and do you see any of her characteristics in yourself when it comes to your finances?
Replies
The very first thing we notice is she's not paying her "tithes & offering complete nor correctly. As children of God we must line up with God's Word completely. That will release some income to flow in her household. She has leftover from monthly expenses is $61. We would suggest, holding off on movies and going out to dinner for a little while, we would ask her how serious is she in starting her business, then suggest her starting out on weekend baking, " cookies, cakes and so forth, get her name out there, setting short term goals. Also asking for a "deferral" in loan payments. However, until she get her tithes & offering in line, nothing will fall into place.
HalleluYAH, bless you and GA Pastor Patricia(Host) how are you doing on this Successful day? Why do you think that the people of God do not take their tithing serious? What do you think God is about to do in the Body of Christ for the non-tithers? Do you believe that there is an Outpouring Shift for the tithers?
If she came to you for spiritual financial advice and insight, what would you suggest?
Pray and ask God to order her steps and directions she should follow, ask God for Wisdom to make the right choices.
How much does she has left after bills? $61
What would you change in her monthly bills?
Her tithes she be adjusted to 10%
What do you think it is that is hindering her finances and why, please explain in details?
Poor decision making and not lining up with the Word in her tithing.
Why do you think she ever has any money left after paying bills
over indebtness
What would you suggest her to do to fix her credit, her income, and budget in her bills? Make a plan, contact the people she owe, she if she can make different payments options, get her credit reports, and work to remove all negativity from her report
How long would you think it would take her to budget her monthly bills? hopefully not long
Why do you think she has not started her business? No capital
Do you think she should start that home bakery, therefore she can receive some extra income?
How soon do you think she should get started?
When she has made up a business plan and saved up some money
Can you relate to Faith, and do you see any of her characteristics in yourself when it comes to your finances? Yes, I am there now but I'm going to work it out...
Remember, her monthly income after taxes is ($2,666)
If she came to you for spiritual financial advice and insight, what would you suggest? I would tell her to put God first in her tithe and pay 10% of her monthly income…
How much does she has left after bills?
$61.00
What would you change in her monthly bills?
The tithe, it should be $266.60 for the whole month or every week $66.65 or every two weeks $133.3 for her tithes… I also would say, for now sacrifice movie time in order to payoff that student loan…
What do you think it is that is hindering her finances and why, please explain in details?
First of all she’s in a whole lot of debt and it hasn’t registering with her that she’s the cause and God is trying to speak to her…
Why do you think she ever has any money left after paying bills?
She pays all her money towards bills and there’s nothing left….
What would you suggest her to do to fix her credit, her income, and budget in her bills?
She doing good by writing a list of all the bills and when to pay what, start calling the everyone she owes and make payment arrangements so she can pay off those debts.
How long would you think it would take her to budget her monthly bills?
Not long at all.
Why do you think she has not started her business?
She overwhelmed in debt major factor
Do you think she should start that home bakery, therefore she can receive some extra income?
Only if she has a partner or financial support to back her up, if not, I would say no for now.
How soon do you think she should get started?
Not right away if she don’t have the support and financial support to back her up…
Can you relate to Faith, and do you see any of her characteristics in yourself when it comes to your finances?
Not really… Although, I do need an increase in my income for sure…
I would suggest to her to call the student loan office to decrease her loan payment, cut out the movie and dinner night with family to once every other month and tithe hr 10 percent. It may take her awhile to learn to budget her money because of habit. I think she should start off slow with the business for extra income because he is struggling right now so if she began a business it will take money she does not have. I can see myself in her because I use to be the same way but when i began to tithe God started opening doors. Let me give you a small testimony. One time when I was a single mother and I had 35 dollars in my pocket and me and my two kids needed food bad and I was thinking on the way there what could I get for 35 dollars that would last until Friday which was payday? So I went in the store and began shopping and I was placing more in the basket than what I had in my pocket. I go to the checkout and the amount was 35 dollars on the dot. I left with enough food to last two weeks so when we began to give God his then we are not lacking. For His seed shall not beg for bread.
Shes not tiding like she suppose to she giving God just anything not putting God first not consulting God on guidnace how to save n how manage her spending. She not really believeing and having faith that God can give her the wisdom and knowledge how to run business and hownl to get started its good to acknowledge God in all things in out life.
Yes the trait about not tithing as i should not praying over my tithes and believening in my prayer i pray that God is going to fufill that promise prayer request but only according to my belief. God was waiting me to tithes as im suppose to believe he got my back and help me to learn how to manage better and help me to start my own business.