Friday, December 31, 2010

Reflections

As the hours are running out on 2010, I find myself reflecting on all 2010 has meant, for me the first 8 months of 2010 was stagnant, unproductive, undisciplined and lacking in self-control. It was in the first 8 months that I could not believe I was still going through such tough losses, while still trusting in God. While still doing some of the work God has prepared for me to do. I could not believe my life had not turned the corner at that point. Why was God not moving in my life and turning things around for me? Why was He still giving me things to do and encouraging me to fulfill my God given purpose but was not answering my prayers for relief from my situations? So, I just did enough the first 8 months of 2010 to say I did something. Honestly, I did not put my best foot forward I just put a foot forward and said, “I did it.”

Then one day as I sat on the beach in Virginia Beach in August, things changed from that day. I had a totally awesome experience with God that propelled me to stop just existing but to start living again. God told me I was in a season of loss. My mind went to something my Associate Pastor asked me two years ago, Was God the joy of my strength.” To which I said, “Yes.” That meant to me, even in this season of loss, He was still the joy of my strength. This was the beginning of 2010 turning around for me. It was the beginning of my journey to rediscovery. I need to rediscovery the God, who found me in my loss state and clean me up. I need to rediscover the unique things God has disposed into me that make me Ryane Belynda Nickens. For that I went on a road trip for six week, visiting friends and each friend held a key to unlock the part of me I had locked up. It started in Chicago and brought me back to Washington, DC, renewal, revived and even the more determined to fulfill God’s plan for me life.

So, 2010 for me was a season of loss but in my losses I found Ryane Belynda Nickens again. As I head into 2011, I know God has a plan to prosper me. Today, Isaiah 43:16-18-19, spoke to the very way I was feeling about entering 2011. It reads, “This is what the LORD says— he who made a way through the sea, a path through the mighty waters, “Forget the former things; do not dwell on the past. See, I am doing a new thing!

Now it springs up; do you not perceive it? I am making a way in the wilderness and streams in the wasteland.” For I know the LORD is doing a new thing with me. I know He is preparing me to enter into another season and to experience Him at another level. So, as I take the lessons learned in 2010 with me into 2011, I go thanking God for being true to His Word and not leaving me or forsaking me. Even when I wanted Him too! I thank Him for always loving me, protecting me, guiding me and I know it will continue in 2011.

I pray God will reveal Himself to you in an awesome and magnificent way in 2011. Be safe and Happy New Year!!! May it be filled with God’s glorious presence and His awesome blessings!!!

Thursday, December 9, 2010

Matrimonial Money: 21 Day Financial Fast_ Day 10

Two are better than one, because they have a good return for their labor; if they fall down, they can help each other up. But pity those who fall and have no one to help them up! Ecclesiastes 4:3-10

12 Days to Go: It’s Not Just about You

Main Point: Together as one you can become better stewards of your money.

My Pledge: I will work with my spouse to develop a set of rulers to govern how we handle our money together.

Daily Assignment: If you are married (or engaged, as in there’s a ring and a firm date set), work together to come up with at least ten “House Rules” to handle your money as a couple. I’ve already started you off with four, so you only have six more to go. Once you are in agreement, write down the rules. I mean it. Put them on paper and keep the rules handy so there is no question what you both agreed to.

In addition to mediating on the Scripture for today, read Luke 14:28. Discuss with your spouse what this Scripture means. Here’s a hint: The passage is about the importance of planning.

If you are not married, make a list of the financial qualities you would like to have in a mate. Now, create a list of the financial issues you have and would like to improve upon before getting married.

My Response:
Qualities I would like in a mate.
1. A excellent steward of his financial resources.
2. Financial stable.
3. A mate who is able to tell me no and be firm, when it comes to my impose spending.
4. A tithier.
5. Someone who knows how to budget.

List of my financial issues I would like to have improved before getting married.
1. Be more financial responsible.
2. Reduce some or most of my debt.
3. Have a working budget I am living within.

Wednesday, December 8, 2010

Diversification Delivers: 21 Day Financial Fast_ Day 9

Invest in seven ventures, yes, in eight; you do not know what disaster may come upon the land. Ecclesiastes 11:2

13 Days to Go: Investing for Your Future

Main Point: Understand that when you invest, you put your money at risk.

My Pledge: I will examine my investments to make sure I’m well diversified.

Daily Assignment: Visit a website that explains the basics of investing. I’ve already listed several, but at least start with www.finra.org or www.mymoney.gov.
Review your investment statements-including your retirement account and your children’s college fund. Look at where and how you’ve allocated the money in your 401(k) or other retirement plans. Is it spread across various asset classes? Or have you concentrated your contributions in just one or two types of asset categories? In other words, is your money all in one basket?

If you are not investing, make the commitment today to begin investing for your future. If you are eligible for a 401 (k) plan at your job, start contributing to it. If your employer doesn’t provide a retirement plan, resolve to invest anyway. You can open an IRA. To find out more information about IRA, go to www.ivestorprotection.org. Read “Maximize Your Retirement Investments.” You can also find information on how to open an IRA at www.choosetosave.org.

My Response: I am currently unemployed, so there is no 401 (k) for me to invested in. However, I am working towards being self-employed and will look into opening an IRA account for myself.

Taking a journey down honest avenue right now...I have yet to write down my budget. Why, you ask? I have no clue! I will committment today to set aside Friday night to work on my budget, however, hard it is for me to do.

Pray for me, because I need it!!!

Tuesday, December 7, 2010

The Salvation of Saving: 21 Day Financial Fast_ Day 8

The plans of the diligent lead to profit as surely as haste leads to poverty. Proverbs 21:5


14 Days to Go: God’s Blueprint for Saving


Main Point: There is great reward in saving.

My Pledge: I will commit today to set aside a percentage of every paycheck for my savings.

Daily Assignment: If you are not regularly saving money, make the commitment today to save at least 5 percent of every paycheck. For example, if your net income during one pay period is $1, 500.00, you will save $75.00.

If you work for a company, contact your benefits coordinator to set up an automatic deposit into your savings account. Put the money into an account and resolve not to touch it.

If you are already saving, consider increasing the amount you are putting aside. Five percent is just a beginning. If you really want to boost your savings, go to 10 or 15 percent.

To give your savings a purpose, list the things you would like to do with the money. For example, pay off a debt, take a long-overdue vacation, make some home improvements, etc. Post the list someplace where you will see it frequently to help maintain your commitment and motivation to save.

My Response: I am currently not saving any of my income, due to the fact, 95 percent of it goes right back out the door. But I will make a commitment starting today to saving at the very least $10.00 out of every check I receive to start with.
In the future I will put away five dollars from every book I sale into a saving account that will not be touch. It will be in my Emergency Fund account.
I can use the money to assist with my book tour I will take in 2011, to promote my first book. The money can be used to pay off debt and to help my parents and Granny with their bills or wants.

The Providence of Preparation: 21 Day Financial Fast_ Day 7

Whoever disregards discipline comes to poverty and shame, but whoever heeds correction is honored. Proverbs 13:18

15 Days to Go: Budgeting for Life

Main Point: A budget is your roadmap to prosperity.

My Pledge: I will be diligent and develop a budget so that every penny I earn has a purpose.

Daily Assignment: You know what to do. Follow all the instructions in the chapter to begin putting your budget together. You may not finish today, but you must begin the process today. By the end of Day 11, which is the end of part 2: “Prepare Yourself to Prosper,” you should have completed your budget. (You can find an online version of this budget at www.washingtonpost.com/singletaryP2Plinks).
Journal daily from now through Day 11 about your feelings concerning your budget. Use the sample journal entry in the appendix as a reference if you need help. Whatever you do, don’t give up-even if the numbers look grim. Remember that God is with you during this entire process.

My Response: I am working on this assignment and it is no fun at all. I know how much debt I have and to whom I owe it too. My budget should not be that hard to do, what I am finding hard to do is face the mess I made of my finances. Facing a financial future within a budget, something I have never done. I am not the must discipline person on the planet, as evidence by my finances. But I believe creating this budget will help me be more accountable and responsible with my finances.

Coveting versus Contentment: 21 Day Financial Fast_ Day 6

But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. 1 Timothy 6:6-8

16 Days to Go: Satisfaction Guaranteed
Main Point: Be content with what you have.

My Pledge: Today, I promise I will not complain about anything I don’t have.

Daily Assignment: Make a list of at least three things you’ve said lately that express a lack of contentment. For example:
I wish I had a bigger house.
I don’t have anything to wear.
We never go anywhere.

After you make the list, ask God for forgiveness for not appreciating what you have.
Clean out your house. You didn’t think I was kidding, did you? Well, maybe not the whole house today. Instead, pick one room or a closet or toy bin and pull everything out. Sort everything into three piles: Keep it trash it, give it away. Give or throw away everything you haven’t used in the last year.

My Response: A major of my stuff is in storage, making this assignment nearly impossible. I went through my items before I placed them in storage and ridden myself of all the things I did not need or want.

Monday, December 6, 2010

The Evils of Entitlement: 21 Day Financial Fast_ Day 5

I denied myself nothing my eyes desired; I refused my heart no pleasure. My heart took delight in all my work, and this was the reward for all my labor. Ecclesiastes 2:10

17 Days to Go: The World is Enticing

Main Point: A sense of entitlement could be getting in the way of God blessing you.

My Pledge: Today, I’ll think about something in my life that I did or purchased that I know realize was giving in to a sense of entitlement.

Daily Assignment: Think of an occasion where you gave in to your sense of entitlement. For example, did you take a vacation that ended up putting you further into debt?
How much did your sense of entitlement cost you? Write down the amount so you can own up to it.
Today I want you to list at least three things you are grateful for. Then, in a specific prayer, I want you to give thanks to God for those blessings. As the song goes, “Count your blessings, name them one by one.” The following are examples of things to be grateful for:
I have a job.
I have someplace to live.
I have my own teeth.

My Response: It was back in July when I visited the T-Mobile store for a new charger for my phone and saw the new Windows phone. Though there was nothing wrong with my current phone I wanted the Windows phone and thought because of everything I had lost and going through the last three years, I deserved something new to play with. I brought the phone and a month later it was stolen for an outdoor community event I was volunteering at. So, $358.00 was wasted because I do not submit my claim to the insurance company in a timely fashion.

Father,I am grateful today for my family & friends who have encourage me and been there for me the last three years. You have blessed beyond anything I could imagine in giving me people who love me for me and support and encourage me to be all You want me to be. I am also grateful for a roof over my head, when so many people who have lost there jobs during this recession, have also lost their homes and are now homeless. I thank you!!! For I know it could have been me but you continue to bless me. I am also thankful and grateful for Your Presence in my life because had it not been for you…I surely would have lost my mind during this time but I am clothe in my right mind because You would not take Your hand off of me.

Love Your Child,
Ryane Beylnda Nickens

Tithing Today: 21 Day Financial Fast_ Day 4

Honor the Lord with your wealth, with the firstfruits of all your crops; then your barns will be filled to overflowing, and your vats will brim over with new wine. Proverbs 3:9-10

18 Days to Go: First Fruits

Main Point:
Tithing is still applicable today.

My Pledge: I will commit to tithing or recommit to continue tithing.


Daily Assignment: If you are not a tither, make a list of the reasons why you don’t tithe. Your list might include things like:
I can’t afford to tithe.
I am afraid I won’t have enough to pay my bills.

Add up all the nonessential expenses you had in the last month, such as cable, eating out, going to the movies, etc. How much are you spending on these?
Figure out how much your tithes would be per month and compare this with the money you spent on nonessentials. Do you see places you can cut your expenses to find the money to tithe?

If you are already tithing, are you tithing on your gross income? If not, take a look at your discretionary spending (cable, cell phone, entertainment) and consider cutting back so that you can tithe on the full amount of your “increase.”
If you already tithe on your gross income, examine your offerings or charitable contributions to other organizations. Are you giving as much as you can? Or are you tithing to the penny, while grousing that you can’t or won’t give another dime to anything else?

My Response: I believe if I budget appropriately I will be able to give more in offerings each month to my home church. We currently have a building fund pledge going on to help renovation our church. I filled out the card but I have yet to turn it in because I do not really know where I am going to find the money, I thought. After four days on the financial fast I believe I can support this effort with the $20.00 a week a waste on unnecessary things. I plan on turning in the card with my first donation this Sunday.

God’s Generosity: 21 Day Financial Fast_ Day 3

And God is able to make all grace abound to you, so that in all things at all times having all that you need, you will abound in every good work. 2 Corinthians 9:8

19 Days to Go: Cheerful Giving

Main Point: To whom much is given, much is required.

My Pledge: I will identify someone-a friend, family member, neighbor, or co-worker-who needs help either with cash (I can afford to give away) or my time. I will use God’s generosity toward me as an example of how to be generous to others. As I prosper, I will share my wealth with others.

Daily Assignment: Think of at least one person who could use some help financially. For example, perhaps there is someone you know struggling to purchase groceries. Could you pick up some extra grocery items for them when you do your shopping? If you can’t afford to help someone with cash, how else might you ease their financial burden? Perhaps you could offer to babysit for an evening. Maybe you know a neighbor whose care has been repossessed. Offer to drive the person on a few errands or take them to work for a week free of charge.

My Response: At this time I am not able to help anyone financial. Every dollar of my income is account for each week. I am on this financial fast to learn how to budget and handle the money God has provided for me. I can and will seek other ways to be of help to someone else with my time and talent.

A Promise of Prosperity: 21 Day Financial Fast_ Day 2

But remember the LORD your God, for it is he who gives you the ability to produce wealth, and so confirms his covenant, which he swore to your ancestors, as it is today. Deuteronomy 8:18


20 Days to Go: God Will Provide

Main Point: God promises prosperity.

My Pledge: To find the key to wealth, I have to understand that prosperity comes with conditions. I must follow God’s will and Word for my life.

Daily Assignment: Listed below are the Ten Commandments. As you review each one, ask yourself these questions: “Have I broken this commandment in ways that have left me broke? Have I ignored a commandment and been robbed of financial peace?” After each commandment are some additional questions to consider. You don’t have to answer all the questions, but read through and see which ones most apply to you. Write your responses in your journal.

“ You shall not misuse the name of the Lord your God.” (Exodus 20:7). List at least one time in which you cursed God for not having the things you want. How did that impact your relationship with God?

My Respone: There are a number of the ten commandments I have broken over my life span. The one that jumps out at me is “ You shall not misuse the name of the Lord your God.” In the last three years I have seen many things/people taken away from my life. Just as I was getting around to get my finances in order, I was let go from my job. It was almost four months before I recieved my first unemployment check. At that point I was three months behind on my rent and other bills had piled up. In the months to come I found myself slowly but surely going deeper into debt. I was tithing and giving my offering on the money God was bring into my life. I was still giving my treasure, time and talent but there was no release from my financial burden.

I found myself one day this year asking God, why had others who were not doing anythign for Him prosper and here I was giving Him my time, talent and treasure but I was still under heavy financial debt. I remember cry out and asking God, "where are you?" I need you!!!

Hebrews 13:5 "“Never will I leave you; never will I forsake you.”God, had been telling me this for the last three years, along with the Do Not Worry passage in Matthew 6:25-34 “Therefore I tell you, do not worry about your life, what you will eat or drink; or about your body, what you will wear. Is not life more than food, and the body more than clothes? Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they? Can any one of you by worrying add a single hour to your life[e]?
“And why do you worry about clothes? See how the flowers of the field grow. They do not labor or spin. Yet I tell you that not even Solomon in all his splendor was dressed like one of these. If that is how God clothes the grass of the field, which is here today and tomorrow is thrown into the fire, will he not much more clothe you—you of little faith? So do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ For the pagans run after all these things, and your heavenly Father knows that you need them. But seek first his kingdom and his righteousness, and all these things will be given to you as well. Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own. and Jeremiah 29:11 11 For I know the plans I have for you,” declares the LORD, “plans to prosper you and not to harm you, plans to give you hope and a future."

Knowing God is always with me and as Numbers 23:19-20 records, "God is not human, that he should lie, not a human being, that he should change his mind. Does he speak and then not act? Does he promise and not fulfill? I have received a command to bless; he has blessed, and I cannot change it." I feel closer to the Lord and every trial appears to bring me closer to God.