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Forgive me my sins and cleanse me from all my iniquities. I am jobless My Lord, and the small business i have is not doing well; i am in debts and I pray for your financial intervention My Lord. Grant me just enough to pay my bills and debts My Divine Master. Lord Jesus Christ I do believe that you are the answer to my problem nobody else.

In to your hands i surrender everything to you. Lord God I need you. I know you are able to do exceedingly and abundantly beyond anything I can imagine Jehovah, however I am only asking for just enough, just enough to get myself out of this bind and refocus on you. My financial worries are keeping me up at night and are starting to affect my work and personal life. I fear that I will never meet my goals and decrease my debts.

I know your word Lord and I know it is not in your portion for me to live life as a borrower and in debt. I desire to be able to help my family and friends in need but I am unable. Please help me God like only you can. I desire to live within the Will you have set forth for my life. I surrender to you.

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Dear Lord, I come before you today to please hear my prayer. I ask you oh Lord for financial blessing to relieve my financial woes and ease this stress.

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Lord help me to cope up all my debts i am so depress and do not know what to do now to settle this problem. I humbly ask to please let your glorious miracle befall me so i can pay off all my debts. Please Lord grant my prayer. Father God I come today asking for your forgiveness we thank you that your mercies are new every morning Lord we ask you to help every family in our nation that is struggling financially we know that you own cattle on a thousand hills so we look to you Lord we ask for favor with the mortgage companies and banks and we ask you Lord to protect our assets and to stabilize your people financially help us to love and pray for one another we ask it all in Jesus name.

Lord my husband and I are in need of a financial miracle. I was burying my head in the sand thinking that if I just ignored it, it would get better or maybe just go away.

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I believe God wants us to know exactly where we are financially, so He can get the glory when He does the miraculous in our finances. I suspect that He wanted the Israelites to get an up close and personal view of the insurmountable obstacle in their path. Regardless of how much of a mess you are in financially, find out where you really are — your starting point if you will — so you can start building your testimony.

Initially I was discouraged by this number, but I quickly noticed that it was increasing every month as I began doing slightly less dumb things with my money. And now as I look back at all the miraculous things that God has done in our financial life I am so glad that I have that as part of my testimony. In the step-by-step video I created showing you how to calculate it, I also show a tool that I am using to track it that I love and is free to use. The new way that I have been using is by using Personal Capital.

It is completely free to use, and provides a great snapshot of your overall financial picture. It is the quickest and easiest way to calculate your net worth and continually monitor it over time.

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To see more about what they do check out this video:. Then you will see a popup box that looks like this and from here you can search for each of your accounts.

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  • Unless you have a ton of accounts, you can probably do this in under 10 minutes and then you will have your net worth nicely displayed to you as you can see in this screenshot below. Before Personal Capital came along to automate this process, I used to just do it manually every 6 months or so in a spreadsheet, just like how I track my household budget. You can download it here. First off, you can do this on paper if you really want to, but I suggest Excel, Google docs , Open Office , or really any kind of spreadsheet will do. List every asset you can think of.

    Anything that you could realistically sell. Yea, I am sure I could find someone on Ebay to buy my socks, but I am just looking for a general picture. So your house, cars , retirement accounts, stocks, savings accounts , checking accounts, emergency fund, jewelry , and anything else similar would fall in this assets category. To get real estate values you can use Zillow to get a decent estimate of what your home may be worth.

    For automobiles you can check out Kelley Blue Book to see what they could be sold for. For all your checking, savings and investment accounts you can either check the balances online, or just use your last statement. A few lines below the Assets total, we are going to now list every debt you have.

    Divine Intervention to Financial Freedom: Personal Financial Management - eBook

    Mortgages, credit cards, student loans — they all apply. Do the same as above, checking balances on each one and then total your debts to get your liability total. Now you can subtract your liability total from your asset total and viola! You have your Net Worth. Date it and save it. This was eye-opening to me. Regardless of what your number is, just look at it as the starting point.

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    It is from this point that it will become larger. We were so excited to have a positive Net Worth! As we kept on working on it, it has just continued to grow. But if you are working really hard at it and need to see the encouragement of it increasing, do it more! As in just about anything, you are either moving forward or you are going backwards.

    If you are increasing your assets by making good buying decisions or minimizing debts, your net worth will be growing.

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    Your homework tonight is to calculate your Net Worth, using either Personal Capital , a spreadsheet, or a pencil and paper. Managing Money God's Way "This book gave me a new perspective on the importance of money to me. I have read other inspirational materials on the subject of personal finance and money ma Buy Now on Amazon. He has been a full-time writer since and loves uncovering financial wisdom in the Bible as well as discovering the best tools and strategies to help you put more money in your pocket. Great challenge Bob. Buying assets is one of the best long term money moves that someone can make.

    Nice job Bob. God Bless. Hi Bob, really enjoyed reading this article. This was really helpful and I plan on using this tool more often. However, I have a large student loan so it was a bit discouraging to me because it seems almost impossible to ever have a positive net worth with it. Seems like for the next few years you will need to cut down to the bare minimu.

    Are you on a budget? Have you considered moving back home with family or getting a roomate to cut expenses for a while? I should practice it in order to save me and my group in future. God bless you Bob. Thanks A lot. Then that means your have a negative net worth. However, that is not a bad negative net worth to have as long as you have a degree to show for it. I am a newlywed, and my husband has extreme money issues. He works contruction and where we live the prospects are not good. I have a stable monthly income where as his is not.

    I am a saver, whereas because of commitments he literally lives on his relationship to God and prayer and the hopes that a paycheck will come in. Any tips? Great article! Thank you so much for sharing this information, all of your articles have helped me re wire my thinking about money.

    I truly appreciate the wealth of information I receive from you, guys, Truly, God is great.

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    In my country many people are over-indebted and I believe had they received this information, I believe they they would have been free from the bondage of debt. For that reason I commit myself to run free seminars to distribute the information to them. I will visit your site for not less than two hours everyday to learn more. God bless you with your wonderful work. Sello Mokotjo SouthAfrica. I am just beginning to use Christian PF and am very encouraged so far.