Ten Dollars - Scott McCausey

"Therefore, whoever humbles himself like this child is the greatest in the kingdom of heaven." Matthew 18:4

She knew the 10% rule but her heart was bigger than “the rule.” This time my eight-year-old taught me. As parents, we are commissioned to teach our kids the skill of saving money. We’ve tried everything from the envelope method and chore charts, to our current method of earning a salary. Our goal is to encourage giving God our first fruits, saving for the future and allocating fun money to spend on a prize. It’s our job to keep our eyes open during this process…to watch for the lessons to be learned. I thought it had worked well and it did. I just wasn’t expecting the teacher to be taught.

My youngest daughter, Rebekah, had saved a fair amount of her birthday and commission money. While most of our kids saved toward a video game, a plastic sword or a CD, Rebekah refrained from any shopping sprees. One Sunday morning, I found out why.

I took my spot on the front pew to serve the congregation. After a short meditation, I helped pass the offering plate. When I reached the chaotic pew my family occupied, I handed the plate to my oldest, who promptly shuffled it toward his mom. Rebekah gingerly took the plate from her mom, then without hesitation, casually tossed in a ten-dollar bill and shoved it to her sister. In an instant, my daughter had not given a portion, she gave everything and, although I wasn’t mad, I wanted to take her ten-spot out of the plate and give it back. My nearsighted view of giving was about to be reformed.

When the services were over, I pulled Rebekah close to me. “That was a very generous thing you did, slam dunking God your whole $10. You realize God doesn’t expect you to give every cent, right?” That’s when she floored me.

“I know about the ten percent rule. But my heart didn’t want to give ten percent. It wanted to give all of it. He needs it more than I do today.” She poked my arm and headed toward the car.


That day, the teacher became the student. I learned from my daughter’s example. I realized I’d spent so much time on the semantics of giving that I’d forgotten the heart of it. In my efforts to be a good parent and teach Godly methods, I myself had missed the point and it took an eight-year-old to drive that home. The gift of generosity comes from the heart. We shouldn’t give just because we have a big bank account or out of obligation, but because we want to serve Christ by giving him our best. I guarantee He stands ready to pour abundance over your obedience. Let Him take control of your finances and lead the way. Trust.

Scott McCausey lives smack dab in the middle of the Michigan mitten. He has been married to Renee for eighteen years where they home educate their five children. He has worked as a laboratory manager for over twenty years and enjoys his new role as host of the famous blog talk radio show Christian Devotions Speak UP! Read Scott's devotions.

Leaving the Comfort Zone - Robyn Burke

"The Lord said to Abram, “Leave your native country… and your family… go to the land that I will show you… I will bless you … and you will be a blessing to others.” Genesis 12:1, 2 NLT

Why would God ask Abram to travel into unknown territory? Why couldn’t God just bless him where he was?

My husband’s compensation for work with a non-profit organization depends on the generosity of others. While Bruce felt called to the position, it did require a certain amount of faith. Could we trust God to provide for our needs?

Each month has been a test. God has provided, but it didn’t stop us from questioning why we couldn’t be blessed with a steady paycheck. Why did we have to do a juggling act with the bills every month?

Scratching my head over the latest batch of bills, I thought about my husband. He works hard; he deserves to be fairly compensated. Overwhelmed, I felt tears rise as doubt bubbled to the surface. The night before, we’d met with our small group and shared our prayer concerns. My fears spilled out in an angry vent. Our friends gathered close and bolstered us with prayer.

I filled Bruce in on our current situation. “We’re four hundred short of paying all the bills.”

“Four hundred is how much shop rent is.” Bruce mused. We’d been renting shop space for several years and had just this month made the decision to let it go.

“Next month we won’t have that expense, but there’s no way I can extract that amount from this month’s paycheck.” I sighed.

At dinner, Bruce pulled an envelope from his coat pocket. “Eric gave me this today.”
I wondered what our neighbor was up to—inside, one hundred dollars.

Bruce shrugged. “Said he just felt we needed this.”

The next day, a friend stopped by with a check. “For letting me store stuff in your shop.” he explained.

Three hundred dollars and we now had enough to pay shop rent.

Abram was called out of the comfort zone of his life into the unknown. Why didn’t God just bless him where he was? Leaving our comfort zone forces us to trust completely in God, not ourselves. And He never disappoints.

Leave your comfort zone for a life of trust. God will not fail you.

A published author at the age of 13, Robyn Burke knew early on that God had gifted her with a love for writing. From crafting church bulletins and newsletters to obsessing over power point presentations, Robyn eventually returned to her first love: short stories. A regular contributor to Faithwriters.com, she also is a NaNoWriMo 2009 winner. Blissfully married, with grown children and grandkids, Robyn hopes that her writing can be used by God to bless others. Read Robyn's devotions.

Pass It On - Andrea Merrell

"Give, and it shall be given unto you; good measure, pressed down, shaken together, and running over." Luke 6:38

One of the greatest spiritual truths I’ve learned over the years is that God desires to bless His children. His plan is to do far above and beyond what we can ask, think or comprehend. The sad part is, many times we become “blessing hoarders,” storing-up what God gives us, developing an “us-four-and-no-more attitude.”

In reality, we are blessed to be a blessing. When God brings increase into our lives in any way, we are expected to pay it forward. God does not comfort us just so we can be comfortable, but so we have the ability to comfort others in distress. He increases our finances so we can give to others in need. He fills us with Godly wisdom so we can share that knowledge with those who seek it. He gives each of us gifts, talents, and abilities so we can better serve others. Even our joy is to be shared with those around us.

The great news is, whatever we give away (sow, plant and deposit) will come back to us in an even greater measure than we used to give it in the first place. That’s because God is a God of abundance and He pays great dividends when we are obedient to His Word. The world tells us to hang on tightly to what we have. The Word says to let it go. The world promotes selfishness, greed and a desire for more, more, more. The Word encourages a lifestyle of humility, selflessness and a giving spirit.

Whatever God blesses us with—money, compassion, or talents—He intends for us to give it away willingly and cheerfully, expecting nothing in return. When we do, God puts more blessings into our hands and we start the process over again. We become a channel for God to pour out his provision and touch those around us.

Stop and take inventory today and see how God has blessed you.

Whatever your treasure, don’t bury it. Pass it on and watch what happens!



Andrea Merrell is a freelance writer and editor with a passion to help others see God’s Word as practical and relevant for ordinary, everyday life. She has written material for ladies’ groups, marriage retreats, skits, websites, and brochures, and is currently working on three novels and countless devotions. Andrea is a staff writer and copy editor for http://www.christiandevotions.us/ and http://www.devokids.com/, and lives in South Carolina with her husband (and best friend), Charlie. Visit her website at http://www.andreamerrell.com/. Read Andrea's devotions.

God Owns Everything! - Cokeisha B. Robinson

"The earth is the Lord's, and the fullness thereof; the world, and they that dwell therein." Psalm 24:1

I am a proud collector. No, not of crystal or porcelain dolls; I collect quotes. I find inspiration by drawing from the words of others—mothers, fathers, children, poets, ministers, presidents, teachers, etc. I gain encouragement from their timeless truths and experiences.

One of my favorite quotes is, "Never 'Own' Anything—Get Rid of the Sense of Possessing!"

A.W. Tozer penned those words many years ago, yet they continue to speak volumes today. We live in a world that encourages us to own everything—our homes, cars, our businesses, etc. As profitable and rewarding as it is to make wise investments, I wonder if our desire to own everything has given us a false sense of entitlement. Perhaps seeing our names on paychecks, business cards and personalized desk or door plates has convinced us we’re responsible for our existence, possessions and the maintenance of the things that we “own.”

God owns everything. Yes, everything from our homes to our hearts. How dare we be possessive over things that are not ours. Children who are learning to share are seen at the toy chest and on the playground shouting, “Mine, it’s mine!” They think everything belongs to them. I wonder where they learned that? We certainly reflect that when it comes to giving back to God.

When it is time to tithe, do we give joyfully or do we think of excuses that prevent us from giving sacrificially?

He wants us to loosen our grip on “His things.” He desires that we remember He is Creator and sustainer of all things. In the words of Dr. Warren Wiersbe, “God is the manufacturer and we are the manger.”

Today, denounce the attitudes of entitlement and develop attitudes of appreciation. Praise God for the blessings of the things He shares.

Father, thank you for being so gracious to us. You have given continuously and freely. Forgive us for taking ownership of your resources and gifts. As you have given us the best in your son, Jesus Christ, please help us to give back to you all that we have, simply because it is yours. Our hands are open. In your name we pray, Amen.


Cokiesha B. Robinson is a graduate of Fisk University where she earned a B.A. degree and a graduate of Samford University, where she obtained a M.Div. degree. She worked in the field of radio before becoming involved in full time ministry work. She has served as a missionary to a number of countries and her greatest passions are encouraging others through oral and written expressions. She has contributed to 3 books, one of which she co-authored: Farther In and Deeper Down, This is My Story, and Planting Trust, Knowing Peace.

She is a native Texan and currently resides in Yonkers, NY with her husband, Tim.
Read Cokeisha's devotions.

Providing for Our Needs - Cathy Bryant

"And my God will meet all your needs according to His glorious riches in Christ Jesus." Philippians 4:19 (NIV)

I stared at our empty checkbook as if staring would somehow make the numbers change. How could God let this happen?

We’d been obedient. We’d tithed for years, and given extra for special offerings and missions. We’d even resigned our teaching positions at a special tug on our hearts to enter the ministry.

And this is what we got in return? An empty bank account?

With a weary sigh, I rose to my feet. At least the bills were paid and we had food in the pantry. But for how long? We’d just received our final paychecks from the school district. There would be no more money coming in.

Looking back now, I am amazed and awestruck at how quickly everything turned around. First, my husband was able to pick up a part-time job at a hardware store in town. Then we received a phone call from a small church asking us to provide the music for an upcoming revival. A love offering would be provided.

That love offering came in at the exact time we would have received our next check from the school had we continued teaching.

Not long after, another church contacted us. They were considering us for a full time position. We met with the search committee from this church on our way to do the first revival. And guess what? The committee, when they learned where we were going, asked us to also lead the music at their fall revival. On the last night of the second revival there was a unanimous decision by the church to call my husband as the music minister.

Can’t you just see God’s fingerprints all over the situation?

The apostle Paul experienced the same grace by the same God. His needs were met, and he knew that God would meet the needs of his gift-giving friends in Philippi.

God hasn’t changed. We serve a God who provides. Jehovah Jireh is His name—the LORD will provide. This God provided a ram for Abraham. This God took a small boy’s lunch and increased it to feed five thousand plus. This God still works miracles.

The next time you wonder how to make that paycheck stretch, take heart. Remember: The LORD will provide.


Cathy Bryant’s first novel, Texas Roads, was chosen as a finalist in the 2009 American Christian Fiction Writers' Genesis competition, and is available at online retailers. Cathy has written several devotions that have been published in books, magazines and online, and was recently named as a core writer for Full Spirit magazine. A Texas gal by birth, Cathy lives in a century-old Texas farmhouse, complete with picket fence, flowers, butterflies, and late summer mosquitoes the size of your fist. Learn more about Cathy at http://www.catbryant.com/ or at http://www.wordvessel.blogspot.com/ You can visit her at http://www.wordvessel.blogspot.com.
Read Cathy's devotions.

Publisher: WordVessel Press
ISBN-13: 978-0984431106

Blowing the Blessing - Robin Shope

"Give thanks in all circumstances, for this is God's will for you."
1 Thessalonians 5:18

Hello, my name is Robin and I'm a garage sale junkie.

Cold rain hammered my car, turning narrow streets into icy waterways. On my way to an indoor garage sale, I didn’t care. I parked in front of the house and then wandered through, searching for hidden gems. Under a pile of bedspreads I found a shiny saxophone, beautifully engraved with the figure of a woman. It was vintage, in pristine condition, and mine for only 20 dollars. I planned on selling it for quick cash.

An elderly man caught me by the arm. "I'll give you 20 dollars more than what you paid for that sax if you’ll let me have it."

Talk about quick cash. He took the sax and I pocketed the money. At home, I sat at the computer to look up the worth of the instrument I’d just sold. A sax like the one I had purchased was going for five hundred dollars on an online auction. When the final bid reached nearly 1,000 dollars, I shrieked! With a household budget stretched to the max, I’d given away God's provision—blown the blessing.

I replayed the moment I sold the sax. Envious and consumed by greed—God was revealing a side of me I hadn't known existed. I turned to verses on praising God, then thanked God for the lesson. My turmoil fled.

Months later, I spied my sax buyer hunched over a box, sifting through old sheet music. He spied me too. "I don’t know if you remember me but I bought a sax from you a while back. It rekindled my passion for playing and now, being retired, I volunteer to teach kids how to play." He wiggled his fingers over the keys of an invisible sax. I noticed his frailty, his worn clothes, and his scuffed shoes.

The lesson was clear to me. It wasn’t my blessing that got away. I was only the middle man in delivering that man's blessing to him. He, in turn, became a blessing to others. On earth God uses our feet of clay to deliver miracles. If I should lose everything tomorrow, I still have what matters, family, friends and God's plan for me. And in that, I give thanks.

Robin Shope is the Special Education Coordinator for a county juvenile justice system for at-risk kids. She has authored a number of articles and six novels. She and her husband are former missionaries and have been married for 32 years, with two grown children.Robin Shope is the Special Education Coordinator for a county juvenile justice system for at-risk kids. She has authored a number of articles and six novels. She and her husband are former missionaries and have been married for 32 years, with two grown children.
Read Robin's devotions.

My Stimulus - God or Stuff - Ginny Dent Brant

“Let your conduct be without covetousness, be content with such things as you have. For He Himself has said, "I will never leave or forsake you." Hebrews 13:5 NKJV

A stimulus is defined as an agent, action, or condition which accelerates a response. More simply put—it’s an incentive.

An average of 3000 television commercials per day are designed to make us feel unhappy with what we have and stimulate us to buy what they sell. For many, the dream of "having it all" is what motivates us to get out of bed in pursuit of keeping up with the Joneses.

The American Dream lures us into living beyond our means and uncontrolled debt is a symptom of an earthly perspective which can stem from covetousness.

Paul directs us to be satisfied with what we have in Jesus. He reminds me Jesus is my stimulus, and my purpose is to serve Him. My motivation to spring out of the bed in the morning is Christ, not the Joneses.

Clearly we’re a nation of consumers and shoppers. This was never more evident to me than when my husband and I were forced to examine our possessions during our last move. After selling, throwing away and giving away numerous items, we moved our remaining possessions by the sweat of our brow. That sweat reminded us we owned too much stuff. We were guilty of over consumption in the first degree.

We can’t take our earthly possessions to heaven. The old saying is painfully true "only what's done for Christ will last." Everything on earth will eventually rot and be destroyed. Our recent move now made us start to evaluate daily, "Are we consumers or stewards while on planet earth?"

Each morning, God should be our stimulus—not accumulating stuff. By allowing Him to be the agent that motivates us we can work to accomplish His will. Serving Him is our response and our goal. The eternal reward will far exceed any joy our temporal stuff can offer.

What rules your life? Seek to be filled with the Master—the rewards are greater than the stuff.

Ginny Dent Brant is an educator, counselor, writer, soloist, Christian speaker and Bible study teacher. Ginny was a contributing author for The Chosen Path: 365 Inspirational Messages and has written articles for The Baptist Courier in South Carolina. She has done mission work in Romania, Yemen, Gaza, the Czech Republic, and China. Her first book about her relationship with her father, Harry Dent, and their journey from the White House to world missions will be released in 2011. Ginny and her husband, Alton, live in Clemson.

Read Ginny's devotions.

A Fine Chicken Dinner - Robin Shope

"Do not worry then, saying, ‘What will we eat?’ or ‘What will we drink?’ or ‘What will we wear for clothing?’ For your heavenly Father knows that you need all these things. Seek first His kingdom and His righteousness, and all these things will be added to you." Matthew 6:31-33

Our family of four moved to Texas in the eighties searching for jobs as the state’s oil industry went bust. Thousands scrambled to find new jobs and so did we. My husband and I, along with our two children, settled into a rental home. I started my job as a teacher at a private school, making fifteen thousand dollars a year, while Rick grabbed the first job he could find as a pizza driver. We placed our children in daycare so we could work.

My monthly check was gone by the end of each third week and the fourth week was always difficult. We struggled to find money for gas and our food was often the left over pizza from the restaurant at the end of the night shift. Then, just like that, Rick became a laid off pizza driver.

Filled with faith that something wonderful waited around the next corner, we never complained. We learned to do without and worked creatively to make ends meet.

One evening before I received my paycheck, my daughter asked what was for dinner. There were two eggs left in the refrigerator.

“What would you like for dinner?” I asked.

“I want a fine chicken dinner!” she hummed with a carefree lilt in her voice.

Eggs were close but not close enough. For the first time since leaving our family and friends, I wondered if the move for a better life was a mistake. My babies were hungry.

“What about it Mom?” she asked. “Will you make us a fine chicken dinner?”

“Let's pray about it." I ran my hand over the empty purse on my lap.

We pulled up to the babysitter’s, the wind blowing so hard I could barely get out of the car. Leaves flew into my face and rolled over my feet. Then, as abruptly as it started, the wind stopped. I looked down. A wad of money rolled across the lawn and stopped on my feet. One five dollar bill and five ones.

I looked up and down the street for the owner but no one was in sight. The four of us went grocery shopping. We bought milk, frozen corn, rolls, potatoes and a whole chicken. I selected the fattest one in the case and that night we ate our fine chicken dinner.

Our hunger was satiated. Our faith replenished. The next morning we even had enough leftovers to eat with our two eggs. We still recount that chicken dinner as a miracle to remind ourselves that God doesn’t forget our needs. He hears our prayers.


Robin Shope is the Special Education Coordinator for a county juvenile justice system for at-risk kids. She has authored a number of articles and six novels. She and her husband are former missionaries and have been married for 32 years, with two grown children.Robin Shope is the Special Education Coordinator for a county juvenile justice system for at-risk kids. She has authored a number of articles and six novels. She and her husband are former missionaries and have been married for 32 years, with two grown children.

One Sweet Onion - Leah Mix

"Now to Him who is able to do far more abundantly beyond all that we ask or think, according to the power that works within us." Ephesians 3:20 NASB

“This is the last of my onions, I moaned, and part of it is spoiled.”
My mind raced as I thought of the other things we needed. Last check of our wallets, we had $3 between us. It had to last until Friday—it was only Sunday.

In spite of my depressing thoughts, God counter-balanced them with the sweetest words; Jehovah Jireh, my provider.

I recalled the Israelites wandering in the Sinai Desert for 40 years, never without food or clothes, and their sandals never wore out. Elijah was fed by a raven. And a widow’s oil and flour never ran dry, despite a drought in the land.

Those are truly amazing stories, I thought, but how far can I stretch an onion?

As I cut off the skin and a bad spot, my fears continued. Carefully, I sliced the bare minimum I needed into the pan, and wrapped the rest for another day.

Jehovah Jireh, my provider. The words flashed again.

“Do you remember that I provided the onion in the first place?” His voice spoke softly. “I can and will do it again.”

Suddenly, all the times He had provided our needs supernaturally flooded my mind, strengthening my resolve and faith to trust again.

Like many in this economy, we are buying just what we need and very little else. Was I letting months of bad economical reports limit my reality of what my God could do? He has provided so abundantly in the past. Why was I allowing someone else’s anxieties and fears to cloud my present and my future? Was I resorting to hoarding?

“Do you remember the email you opened yesterday?” God’s voice gently quizzed me.

I thought briefly. “Oh, the one that said our items had sold on Ebay,” I replied.

“That is the one,” He tenderly reminded me. “See, I provided before you asked.”

Silently I thanked Him for this reminder of His constant provision and confessed, Lord, I find myself buying into ‘the American dream’... keep me focused on You.

Taking my remaining onion from the fridge, I added more to the pot. I was confident there was more where that came from. And to me, an onion had never seemed sweeter.

My Jehovah Jireh has fields of them ready to feed His children.

Leah Mix has been married to her wonderful husband, Gary, for 39 years. A transplant from Upstate New York to Florida, Leah experienced culture shock, but now loves her home and wouldn't want to live anywhere else. She found out that when God plants you, He will make you happy blooming there. Leah is the mother of two and grandmother of five. Writing is a new venture for Leah, but has been a dream for years. She is excited about the future because she has found, God is good - all the time. Read Leah's devotions.

Kitchen Cabinet Cash - Barbara Beyer

"I will give you the treasures of darkness and hidden riches in secret places that you may know that I am the Lord God." Isaiah 45:3

Being the mother of five children can stretch the budget; and that’s exactly the predicament I found myself in as our family discussed impending school expenses.

In three days, fees for field trips were due for my younger girls, and our son needed at least twenty dollars to contribute to a white elephant sale for his high school trip.

I panicked as I looked at the checkbook. How could I possibly tell the children there wasn’t enough money for these activities? My mind raced back to the cliché, ‘the straw that broke the camels back.’ Our camel was overloaded and I had just been handed the straw.

Before bed that night, I called the kids into the living room for Bible study. We read Isaiah 45. It was a wonderful read and after a few comments, we gathered in a huddle on our knees to pray.

The next day I decided to clean out the cupboards above the refrigerator. I hadn’t done it in a very long time. As I rummaged through the contents, I came across an envelope shoved to the very back, behind a butter warmer. Eighty dollars lay folded in the envelope—hidden in a dark, secret place so I’d not be tempted to spend it. I had been saving for a special occasion that never transpired and I’d forgotten about the money.

As I stood holding the envelope in my hand, the Lord brought the scripture back to me, I will give you the treasures of darkness and hidden riches in secret places that you may know that I am the Lord God. I was elated. Without knowing it, I had saved for a rainy day. Now I could turn in my straw and prepare the camels.

When we put our efforts into God, He promises to help us succeed. He provides for us in ways we never imagine. I’d saved, but forgotten, then God reminded me when the time was right.

What do you have hidden away that God can use? From talents, to time, to finances, God can use them all. Commit to the Lord whatever you do and all your plans will succeed. He provides fully for His children.



Barbara ‘Annie’ Beyer was born and raised in the ‘Motor City’ where life happens at a very fast pace. Five years ago she and her husband moved to Florida. Barbara is the mother of five wonderful children and ten grandchildren. Tucked away in her secret place of expression are her paintings of home and family. Her work includes nearly one hundred songs she has composed, along with inspirational poems. Her desire is to be used by God to encourage and edify others no matter what the task.
Read Barbara's devotions.

Your Treasure, Your Heart - Ginny Dent Brant

"Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also." Matthew 6:19-21 NKJV

Jesus spent approximately fifteen percent of his teaching on the subject of money and possessions. His intent was to help us live a fulfilled life . . . uncluttered by earthly things and free from the stress and heartache improper stewardship can bring. For these reasons, managing finances should be a top priority for all believers.

As most Americans, my husband and I relished the double-digit returns our investments produced. Then overnight, our values plummeted, leaving us feeling inadequate and insecure. Stocks, real estate, and interest rates sank to record lows and now we even wonder if our FDIC-Insured CD's are safe. Where was the peace within our storm? God's Spirit reminded us our eternal treasure should not be measured by earthly values.

This earth with its possessions is not our home. When we live, storing eternal treasures in heaven, the dividends and rewards exceed anything Wall Street promises.

When my heart becomes fearful of what may come, history reminds me tough times build character. The Great Depression produced the greatest generation of Americans ever born. They were resourceful and valued people above things. God, are you teaching me that I am placing possessions above people and their needs?

Budgeting for our family's needs, avoiding debt, and planning for retirement is a difficult responsibility. But God teaches us to live each day in the light of eternal values, trusting Him with our earthly needs.

The way we handle money reveals the true nature of our hearts. No matter how valuable an earthly treasure is—it will be worthless in heaven. Heaven requires our souls, not our finances. Invest in His Kingdom, which pays eternal dividends.


Ginny Dent Brant is an educator, counselor, writer, soloist, Christian speaker and Bible study teacher. Ginny was a contributing author for The Chosen Path: 365 Inspirational Messages and has written articles for The Baptist Courier in South Carolina. She has done mission work in Romania, Yemen, Gaza, the Czech Republic, and China. Her first book about her relationship with her father, Harry Dent, and their journey from the White House to world missions will be released in 2011. Ginny and her husband, Alton, live in Clemson, SC and have three sons.

Read Ginny's devotions.

The Check's in the Mail - Andrea Merrell

"Give to others, and God will give to you. Indeed, you will receive a full measure, a generous helping, poured into your hands — all that you can hold." Luke 6:38 TEV

God never ceases to amaze me with the creative ways He chooses to bless His children. I haven’t found any money in the mouth of a fish lately, or caught any pennies raining from Heaven, but every single time I reach the proverbial end of the rope, He comes through in surprising and unusual ways.

Just when the bills are piled high and my checking account looks empty, provision suddenly appears. It might be in the form of a rebate, refund or dividend check. Maybe it’s a gift, bank error in my favor (yes, it really does happen), or receiving an unknown and unexpected inheritance. I’ve even had a couple of debts paid off or cancelled—honestly—wiped out completely! How and by whom I will probably never know. What I do know is this: God is our source. He is our provider and has an abundant supply of whatever we need. When we become wise and obedient stewards with what He gives us and pray according to His Word, we can be sure He hears us. We can also trust in His faithfulness and rest in the fact that He will liberally supply.

If you’re a giver, you know how we are to operate—give and it shall be given. The Word tells us to sow our seed in order to reap a harvest. When we lay up treasure in Heaven and make regular deposits into our Heavenly bank account, we can be confident our funds are well protected, drawing interest, and available whenever we need them.

I can say without hesitation, God has never failed to meet my needs. The answer may not come when I think it should, or the way I anticipate, but it always comes, and it usually far exceeds my expectations.

Do you have a need today? Present it to God. Ask in faith, believing that you receive. Then, you can confidently say, “The check’s in the mail.”


Andrea Merrell is a freelance writer and editor with a passion to help others see God’s Word as practical and relevant for ordinary, everyday life. She has written material for ladies’ groups, marriage retreats, skits, websites, and brochures, and is currently working on three novels and countless devotions. Andrea is a staff writer and copy editor for www.ChristianDevotions.us and www.DevoKids.com, and lives in South Carolina with her husband (and best friend), Charlie. Visit her website at www.andreamerrell.com.

Payoff - Cindy Sproles

“If many years remain, he must pay for his redemption a larger share of the price paid for him.” Leviticus 25:51

December 24, 1989 our bombshell hit. We’d fallen victim to HMO insurance. My husband’s employer had made the jump from traditional insurance to the new HMO earlier in the year. It sounded great and, for the most part, it probably was. Go to the doctor, pay your co-pay and the remainder was paid by insurance. So we thought.

Our son was undergoing a battery of testing to define his disability and for months we made repeated trips to the geneticist, paying our co-pay and any outside costs. So, when I opened the letter from the insurance company that day in December, the bomb blew.

“The charges for genetic testing are not covered under the HMO plan. Heritage has paid the costs to physicians but the member is responsible for repayment of funds paid in your behalf. The sum of $140,876.00 is due and payable within ten days.”
I couldn’t imagine $140K, much less pay it. I panicked, splitting the amount between our charge cards and savings. That mistake followed us for the next twenty years.

Through the years, the verses of Leviticus reminded me of the price we were paying to be freed from the slavery of debt—debt that we could have handled better. My mistake cost us twice the amount we owed.

One disaster followed another as we tried to dig from beneath the debt. At my wits end, I fell to my knees and asked God, “What more do you want from me?”

His reply: “Let me handle it.”

That’s our problem. We assume we can manage on our own. Trusting God to keep His promises of provision seems impossible at times. The price for our redemption is twice the cost, not only through our mistakes but through the life of Jesus who paid the cost.

Once I’d conceded the needs of my family to God, He provided. December 24, 2009, twenty years later, we paid off the last of the debt. Ironic, it was twenty years to the day. The payoff wasn't instant, nor was it cheap. There were times when things were tough, but God always provided - and He provided in HIS time. He is a God of His word and He always provides what is best for us when we believe.

What price have you paid to redeem yourself from financial mistakes? Lift your needs to the Father and let Him take control.

Cindy Sproles, along with Eddie Jones, are co-founders and co-writers of ChristianDevotions.us. She co-writes the popular He Said, She Said devotions with Jones and they co-host the He Said, She Said Radio show.
She is a graduate of the University of Phoenix and her devotions appear weekly in papers across the eastern United States. Cindy is the editor of Christian Devotions and serves as a co-host on Christian Devotions Speak UP with Marianne Jordan. She is a popular speaker for women's retreats and conferences and also travels with Eddie Jones representing Christian Devotions and teaching at writer’s conferences across the country.

Cindy is a featured writer in Faith & FINANCES: In God We Trust, A Journey to Financial Dependence.

Publisher: Lighthouse Publishing
ISBN: 978-0-9822065-4-6
Price: $9.95

Tithing and Trusting Go Hand in Hand - Ginny Dent Brant

"Bring all the tithes into the storehouse, that there may be food in My house, and try me now in this," says the Lord of hosts, "If I will not open for you the windows of heaven and pour out for you such blessing that there will not be room enough to receive it." Malachi 3:10 NKJV

Why should I be reluctant to take God at His word and be obedient? In looking back over my life, I am reminded that, many times, tithing was difficult, yet God always took care of us. Tithing is not easy and there are always excuses not to be obedient. Early in our marriage, my husband and I were students and we’d begun our family. We started our lives together tithing and God miraculously provided all our needs.

Our toughest days came when a move left us paying for two houses, with all three sons in college. We questioned whether God would require us to tithe, but we desperately needed God to pour out his blessings on us. We learned to walk by faith, not by circumstances.

The next year cancer struck my husband and we questioned whether to "pass" on tithing. When we considered Jesus' example of the impoverished widow who gave all she had—there were no passes. We tithed, not knowing how we would pay the next bill. God did provide and He opened up the windows of heaven for us. By His grace, our home sold, my husband eventually recovered, and all three sons graduated from college debt-free.

As Christians, we must commit to tithe during both prosperous and lean times. Tithing is an important spiritual discipline that helps us even during the tough times. History reveals that more people tithed during the Great Depression than ever before. Our economic future is uncertain. The secret to handling uncertain times is to remain faithful to God.

As the days ahead appear to be unpredictable, may we all continue to walk in obedience as we give of our tithes and offerings. God has demonstrated throughout my life that He can take care of my needs. He has poured His blessings on me with a wonderful marriage, three sons who love the Lord, and an abundance of rich relationships and life experiences. Tithing is an act of obedience. When we put Him first, He takes care of the rest. Try Him . . . there will not be room enough to receive all His blessings.

Ginny Dent Brant is an educator, counselor, writer, soloist, Christian speaker and Bible study teacher. Ginny was a contributing author for The Chosen Path: 365 Inspirational Messages and has written articles for The Baptist Courier in South Carolina. She has done mission work in Romania, Yemen, Gaza, the Czech Republic, and China. Her first book about her relationship with her father, Harry Dent, and their journey from the White House to world missions will be released in 2011. Ginny and her husband, Alton, live in Clemson, SC and have three sons.

The Money Jar - Sandra M. Hart

“Give, and it will be given to you. A good measure, pressed down, shaken together and running over, will be poured into your lap. For with the measure you use, it will be measured to you.” Luke 6:38

When I was nine, my dad gave each of his children a money jar for our weekly allowance. The clear jar, placed on top of the kitchen cabinet, allowed us to watch our money grow.

Money was scarce in our home. Dad could only afford to give us fifty cents a week, and we had to earn it.

My sisters and brother generally spent all their money on candy. I tried to save my money for bigger items. Slowly my dollars accumulated—two, three, five. I never recall having more than five singles in that jar at a time.

Times grew difficult financially for my parents until our allowances were phased out—gone. Once, Dad asked if he could borrow two dollars to tide him over until payday. He promised to return it after payday, a promise he kept.

The next week he borrowed money to make it until payday again. I agreed, but I began to worry. I was old enough to see the strain of worry on my parents’ faces. I knew that my friends had more than us, but were we poor?

Dad continued the pattern, but my attitude about it gradually changed. After a time, I was glad that I hadn’t used my allowance to buy candy. If I had, it wouldn’t have been there when Dad needed it.

Today, I think about the lessons of that money jar. I believe my parents’ goal was to teach us about saving. What I learned was far more valuable.

I learned how to give and I watched my parents give financially to others, far beyond their means. God always provided for us, always shook together the kindness, the need and the giving to turn out abundance. There wasn’t much, but the Father never let us go without.

Sure, our money jars taught us to save, taught us generosity and willingness to give, but more so, they showed us the way God fully provides for His children. The measure you use will be measured to you.

Sandra M. Hart enjoys writing historical fiction novels set in the Midwest. She is inspired by the people around her. Those labeled as “everyday people” are the ones who inspire her most. She hopes to have a nonfiction book published about a couple of these ordinary heroes who fill our lives with hope. .

All I Want for Christmas - Andrea Merrell

“You will fill me with joy in your presence,with eternal pleasures at your right hand.” Psalm 16:1 NIV

When Christmas rolls around each year, most people make a mental list of everything they would like to have. Desires can range from a toaster oven to a sports car, or anything in between. The commercialization of the season and the pressure from others can put a guilt trip on us, causing us to spend way more than our budgets will allow. I know people who spend more on one gift than I have allotted for my entire shopping list.

Far too many people get way over their head in debt trying to satisfy a longing for material possessions, or fulfilling the longings of everyone else in their life. Kids want to keep up with their peers, but adults can be just as bad. Our attics and basements are filled with stuff we just had to have. The problem is, those things only satisfy for a time and then we toss them aside and start thinking about all the other items we can’t live without.

How much richer and more fulfilled our lives would be if we would change our thinking and focus on the real “reason for the season.” I heard a song recently that said, “All I want for Christmas is the presence of Jesus.” Being filled with and surrounded by the presence of the Lord is one of the most wonderful gifts we could ever receive.

The great news is, the presence of the Lord has been made available to us 24/7. When people talk about the “spirit of Christmas,” they are really talking about the spirit of the Lord that permeates this most wonderful and precious season. The hearts of men, women and children are more open and receptive than any other time of year. Why? Because it’s all about Him—a baby born in a smelly stable that would become the Savior of the world—King of Kings and Lord of Lords.

So, next time you make out your Christmas list, be careful not to overspend and go in debt. Don’t concentrate on the presents, but ask for His presence to envelop you 365 days of the year. That’s a Christmas gift with a lifetime warranty, no batteries needed, and 100% satisfaction guaranteed.

Merry Christmas!

Andrea Merrell is a freelance writer and editor with a passion to help others see God’s Word as practical and relevant for ordinary, everyday life. She has written material for ladies’ groups, marriage retreats, skits, websites, and brochures, and is currently working on three novels and countless devotions. Andrea is a staff writer and Associate Editor for http://www.christiandevotions.us/ and copy editor for http://www.devokids.com/. She lives in South Carolina with her husband (and best friend), Charlie. Visit her website at http://www.andreamerrell.com/.

Andrea is a featured writer in Faith & FINANCES: In God We Trust, A Journey to Financial Dependence.

Publisher: Lighthouse Publishing
ISBN: 978-0-9822065-4-6
Price: $9.95

God is My Stimulus Package - DiAnn Mills

“Trust in the Lord with all your heart and lean not on your own understanding. In all your ways acknowledge Him, and He will make your paths straight.” Proverbs 3:5-6

I remember the bleak day I realized I had enough food for two more days. I had no money and no job. How would I take care of my four young sons? I tried to pray, but fear hung suspended in my mind and choked any semblance of words. I wanted to cry, but realized that once I started, the tears might never end. Single parenting and children who had more needs than I could fill, paralyzed my thoughts.

Swallowing my pride, I phoned my parents in another state. Perhaps they’d take the boys until I got on my feet. The thought of parting with them made me physically ill. They had already dealt with abandonment issues from their father’s recent departure, and I knew being separated from me would increase their insecurities—and mine.

After the phone call and the news that they felt something good would happen soon, I painted a smile on my face and went through the motions of preparing the boys’ dinner. The doorbell rang, interrupting my silent prayer for faith. A middle-aged woman stood there, looking somewhat perplexed and nervous.

“Can I help you?” My voice released staggering emotions.

She nodded and gave me a faint smile. “I think so. God told me that the family living here needs food. I have my station wagon full of groceries.”

My boys rushed to her vehicle and helped carry in bag after bag. Not since Christmas had they been so excited. Me either, for that matter.

God had sent an angel to feed my family! The food in those grocery bags fed us for a long time. Every item was something I would have purchased, even special treats. This blessing marked the beginning of many. Within a week I found a job directing a day care center, and my children never went hungry or without care. The true treasure was the provision of our faithful Father who ensured that our family never had to be separated.

DiAnn Mills has over forty books in print and has sold a million and a half copies. DiAnn believes her readers should “Expect an Adventure.”Six of her anthologies have appeared on the CBA Best Seller List. Three of her books have won the distinction of Best Historical of the Year by Heartsong Presents. Five of her books have won placements through American Christian Fiction Writer’s Book of the Year Awards 2003 – 2008, and she is the recipient of the Inspirational Reader’s Choice award for 2005 and 2007. She was a Christy Awards finalist in 2008. DiAnn is a founding board member for American Christian Fiction Writers, a member of Inspirational Writers Alive, Romance Writers of America’s Faith, Hope and Love, and Advanced Writers and Speakers Association. She speaks to various groups and teaches writing workshops around the country. DiAnn is also a mentor for Jerry B. Jenkins Christian Writer’s Guild. She lives in sunny Houston, Texas. DiAnn and she and her husband have four adult sons.

Even in Hard Times God Provides - Barbara Wunderlich

“God called His people to consider their ways. They planted much, but harvested little. …Money earned fell through the holes in their purses; Honor God with your money. Test Him and see how He will pour out blessings.” Haggai 1:1-11; Malachi 3: 8-12
Living paycheck-to-paycheck. Increasing credit card debt. No savings. No plan for our financial future. This best describes the finances early in our marriage.

1975 was a time of recession and the rising cost of living. It was in this financial climate that our pastor encouraged us to seek God’s answers. When he started talking about money, my ears perked up.

Holes in purses… that was us. Whatever money came in immediately went out. Usually more was going out than coming in. After the sermon, my husband and I were quiet on the ride home. A mental tug-of-war played out in my mind. Lord, you know I am willing to tithe, but I’m sure Bob won’t be.

“That was quite a sermon,” I said.

Bob quickly responded, “Yes it was. We’ve tried it our way. We need to start handling money God’s way.”

How would God provide for our needs? We began tithing with our next paycheck. Scripture says our money is to be given with joy but, to be honest, we wrote that first check with fear and trepidation. God didn’t say it would be easy and we weren’t without trials and temptations.

God provided in unexpected ways. In six months Bob received two pay raises. We still didn’t know how to budget. Our first test of commitment was a large insurance bill. It was tempting to hold off tithing. God had promised to provide, so we decided to trust.

The answer came a few days later.

A couple we knew had planned a trip. They asked us to take care of their four children, as well as three dogs and six newborn puppies. For three weeks we would live in their home, eat their food and drive their car. We saved money on bills, earned one hundred dollars and expense money.

God showered us with blessings through hard work and a new appreciation for becoming better financial managers. The insurance bill was paid on time.

Are your finances out of control? Take God up on His challenge to test Him. See what blessings He sends your way.


Barbara Wunderlich answered God's call and has spent over thirty years as a librarian, inspiring children to read. Through her students, their parents and her own family, she has seen God work in mysterious ways, through good as well as difficult circumstances. As a writer, she seeks to encourage others to put their trust in God and His faithfulness.

A Change In Perspective - David Stearman

“Give, and it shall be given unto you.” Luke 6:38

A life-changing incident took place while I was in college. I found myself beset by problems. Financial shortages and other pressures had combined to create an unsolvable dilemma.

About this time, an evangelist friend asked that I provide music for one of his crusades. I did, and an amazing thing happened. While I was out sharing, focusing on the needs of others, my own problems virtually disappeared.

They were really still there, of course. But my attitude toward them had changed. The fact that I’d been around people with greater needs than my own had transformed my perspective toward my own problems.

With my cares in proper relief, I was able to relax and trust them completely to the Lord. As a result, the money came. My problems—completely resolved.

What I’m trying to say can be read between the lines of that familiar passage: give and it shall be given unto you. When you give to those in need, whether by way of finance or personal deed, good measure, pressed down and shaken together and running over will be poured back into your bosom. Indeed, your perspective regarding your own life will change. You’ll be able to trust in the Lord, which, as the Bible promises, results in your needs being met.

I don’t know about you, but there are still times I get way too caught up in my own concerns. Yes, you and I do have needs, but there are those whose needs are greater than our own. Let’s all do our best to help them. Lord knows they need it; but maybe we need it, too.

David Stearman is a novelist, recording artist, and missionary to various European, Asian, and Latin American countries. His stories describe the remote corners of the world and the people who inhabit them as only a physical and cultural eyewitness can. He travels extensively within US borders as well, offering encouragement to the believers in numerous and diverse churches. When home, he and his wife Diane reside in Louisville, KY.

Pennies from Heaven - Kevin Spencer

“So I tell you, don’t worry about everyday life—whether you have enough food, drink, and clothes. Doesn’t life consist of more than food and clothing? Look at the birds. They don’t need to plant or harvest or put food in barns because your heavenly Father feeds them. And you are far more valuable to him than they are.” - Matthew 6:25


My dear wife can spot a penny on the sidewalk from a football field away. Of course, she’s got good eyes. I don’t. I started wearing glasses in the 4th grade. Now at 51, I’ve made it to tri-focals. (I don’t want to know what comes after tri-focals.) But Charlotte still has good eyesight, and no sidewalk penny, nickel or dime is safe from her. Every stray coin she comes across is scooped up and deposited in glass jugs, mason jars, and even an old beer keg turned into a piggy bank. Every time she picks up a penny, she says, “In God We Trust.” Charlotte doesn’t just say it, she lives it.

Her frugality is amazing. But what’s more amazing is how the Lord blesses her efforts. Like the loaves and fishes that fed the multitudes, pennies from heaven seem to fill our piggy banks. Twice, when we desperately needed it, those make-shift piggy banks have been an answer to prayer. The coins they held within, were the amount we needed. Although, I have to admit, the bank manager wasn’t amused when I rolled that beer keg into the bank.

The Lord blesses her efforts in other ways, too. Charlotte is a Deputy Sheriff, and recently, the Sheriff’s Department decreed that all training would henceforth be done in camouflage pants, or “camos.” The department, however, didn’t offer to provide or pay for these camouflage pants. When Charlotte had training coming up, off we went in search of a pair of camos. Instead of heading for the mall or Wal-Mart, Charlotte decided we would start at the local Goodwill. There, in front of her, was a nearly pristine pair of camos, the perfect size, for $5.00.

The Lord has taught me, through Charlotte, that a penny saved is not just a penny earned, but it is also a penny blessed. Even with our economy teetering on total meltdown, the Lord is still with His children, providing their needs. He blesses our efforts to help ourselves, and our efforts to save for that inevitable rainy day.

Those everyday small blessings often go unremembered. The big blessings are more recognizable, more obvious, where the Lord has moved in our lives. But in reality, those small everyday blessings, those pennies from heaven, are how we know He is always there, always walking beside us.

Stop today, and recognize God’s small blessings. And, like Charlotte, you’ll probably find ways to make those blessings grow.


Kevin Spencer lives in Tennessee with his beautiful wife Charlotte and grandson Caleb. A former prodigal son, Kevin is now trying to use the gifts God gave him, and by the grace of God has a life far better than he ever deserved.

What to Do in a Drought - Tina Givens

“And it came to pass after a while, that the brook dried up, because there had been no rain in the land.” I Kings 17:7 KJV

My resources were evaporating and it seemed like the job market had completely dried up.

Two years ago I found myself unemployed for nine months and experiencing tremendous financial pressure. I trusted God, but there were moments when I felt drained and helpless.

Little did I know that God was about to unlatch the floodgates of heaven. After months of rejection, I received an unsolicited phone call from a past employer. We’d lost touch over the years, but he’d tracked me down through a mutual friend and called to offer me a job. That is, ‘if I was interested’. If I was interested? It was all I could do, not to run outside and turn cartwheels in the street!

As difficult as it was, I kept my eyes focused on the promises of God. He would provide for me in His own time. The Lord was faithful and His timing perfect. A little while longer and I would have been in financial ruins.

The brook providing drinking water for the prophet Elijah dried up because of drought. But God miraculously provided another source. When finances are tight for me, I wonder what Elijah must have thought as he watched the water dry up. Did he worry in his crisis like I sometimes do? Or did he have confident trust that the Lord would provide?

What about you? Perhaps your brook has dried up and you are in need. Maybe you are alternating between fear and faith as you watch the forecast and see a zero percent chance of rain.

God has not forgotten you. His plan provides in spite of how helpless you feel or how hopeless the situation looks. Keep praying. Remember the countless examples in the Bible and in your life of the Lord’s faithfulness. Dwell on them and build your faith.

God will sustain you during the dry times and, in His perfect timing, He will send the rain.



Tina Givens has a passion for encouraging people through her writing and singing. In addition to writing devotional pieces, Tina writes articles and advertising copy as marketing manager for NRB Network, a Christian educational and informational television channel seen nationwide on DIRECTV. Tina lives in Jacksonville, Florida, where she sings with the group Deliberate Praise and is a member of First Coast Christian Writers.

A Blessings Party - Faye Landrum

“Draw close to God, and God will draw close to you.” James 4: 8 (NLT)

Times are tough. My Michigan son has been laid off from his advertising job three times in three years, and now my Ohio son has been let go from his job as a pilot. After flying around the world with the same company for seventeen years, he is now flying low in a dark cloud. Yes, times are tough.

My Ohio daughter-in-law has had surgery, followed by three days in the hospital. Naturally, she isn’t feeling too frisky, so I told her I would cook dinner and share it with them at their house. When I went to my basement looking for a large bowl to hold a fruit salad, I saw an unopened bottle of sparkling grape juice that someone had given to me years ago. It’s a party thing, and seeing it hatched an idea.

Let’s have a Blessings Party, I thought. No matter how bad life gets, there’s always a blessing to be thankful for.

My family went along with the blessings idea when I delivered their dinner. After we took our seats around the table, my daughter-in-law said, “Our greatest blessing is knowing we have our Lord with us.”

We all agreed with that.

During our meal, we each chimed in with a blessing we celebrate. “I am thankful we still have our home to live in,” my son said. “If I don’t find a job, we may not have it next year—but we have it now.”

“I can see, and I can hear, and I can move around,” I said. “Good health is such a blessing, and so often we just take it for granted.”

My eight-year-old granddaughter joined the blessing challenge. “I am thankful I have my playhouse, and my TV, and my puppy.” Then she added, “I am thankful for a loving mom and dad—and for the towel of love.” (Following each bath, her mom wraps her in a towel and tells her how much she loves her.)

After we had dinner, we went to our Lord in prayer, each of us thanking Him for our blessings and asking for help with our impending situations. Somehow our “tough time” didn’t seem quite as tough afterwards.

“Draw close to God, and God will draw close to you.” Isn’t that one of our greatest “blessings?”

When you feel discouraged, when hardships strike you to the core, draw closer to Him. God holds us close in His heart.

Faye Landrum is a retired RN and has been a freelance writer since 1996. Her work has been published in more than 300 Christian and secular publications for children and adults. She is also the author of six books. Her latest books include the following: Maggots, Miracles and Me relates how God’s little creatures saved a woman’s life; Moments of Comfort is sixty devotionals to help those who have lost a loved one; The Final Mile is a book to help caregivers. Faye may be contacted at www.fayeland.org.Read Faye's devotions.

Publisher: Barbour Publishing, Inc.
ISBN-10: 1602600023
ISBN-13: 978-1602600027
$5.97