6 Apps That Can Simplify Your Money Life

From Forbs, here are some good leads to check out:

If you’re the C.F.O. of your household, then you’ve probably wondered if there isn’t a techie solution for managing your finances.

The problem is that there are probably too many options out there. The onslaught of offerings that you’ll find when you visit the app store can be overwhelming—but we’re here to help!

We’ve scouted six free apps (including ours!) that are easy to use and work wonders to streamline your life and your wallet. Then we asked Jennifer Jolly, a tech expert and blogger behind Tech’s Appeal, to fill us in on what makes these apps so helpful—as well as some things to consider before you download.


How to Work on a Budget

It is not hard to do, and it will make your life so much easier!

Instead of thinking of a budget as a negative thing, remember that a budget is simply a “game plan” or a financial plan. We need to have money to live in today’s society. Because money is a necessary aspect, a tool that we need to create, apply, and follow the plan. In doing so, we can be wise stewards with what God has blessed us, and we can competently handle money, time and things—all gifted to us for the glory of Our Lord. A well-designed budget considers necessities, generosity, and desires and benefits everyone—you, your spouse, your family, your friends, even strangers!

How do we do this? You need to have a plan. This starts with a biblical concept of how to deal with your money and debt.

First, know your total income (what comes in).

Then, count all of your expenses (what goes out).

The goal is to always make sure the income is greater than the expense. Kindly and honestly communicate with each other to make sure that you are both aware of the reality and work from there. Put the plan on paper and discuss it together. If you need a template for examples, go to crown.org or biblicalstewardship.net.

You are a money manager for God as it all belongs to Him, and we work for Him!

Here is how:


Have you wondered what is our ultimate inheritance?

Read 1 Peter 1: 3-12

“Praise Be” or “Blessed be the God” is an incredible proncment of who we are in Christ. This word, phrase comes from the Greek, brake, used in Jewish blessings, and means the God Who blesses us. It also means rebirth—that God converts or “re-births” us.

Our inheritance means Chrisr re-purposed us, re-birthed us.

It is the theme that, as Christians, we are born again because God adopts and changes our nature as in starting again as new (Jer. 1:11-12; Ezek. 36:24-27; Mic. 1:10-15; John 3; 7:37-39). In Peter’s time, this phrase also referred to Gentiles who converted to Judaism. Now, He switches it to those who converted to Christ as their new living Hope, inheritance, security, and God.

So, let’s take a look at this wondrous key word, “Inheritance” here in 1 Peter, it means the “substance” of the hope we have in Christ. What does this have to do with stewardship? A lot, because we tend to think all stewardship is about is money. And what we are working for and why is so much more profound and powerful. It is not money or things, nor power or authority. Rather, it refers to salvation—our deliverance from sin; we are God’s children, sealed in Him and joint-heirs with Him by His Work. That we have God’s blessing, and also in context refers to how lovingly God goes out of His way to redeem us (Rom. 8:16-17; Heb. 1:14).

For the Jews in Jesus time, this meant inheriting a future world such as Israel’s inheritance of the Promised Land while wandering the desert. It infers redemption and the process God used to redeem us. It meant treasures stored up in Heaven for them (4 Ezra—a Jewish apocryphal book). For us, by Jesus’ righteousness and our obedience, our treasures are also stored up, while we still have opportunities now.

As a Christian, our chief inheritance is that Christ is our Redeemer! Christ is our Living Hope that will never fade away! This real inheritance gives us the confidence and conviction we have that our living God keeps His promises and secures us in Him. It is the assurance—and fact—that God has redeemed us, will bless us, and will care for us (1 Peter 1:13, 21; 3:15).

“I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints.” Ephesians 1:18

We are chosen and given our new birth! We live in hope! As Christians, we have God’s abundant mercy, hope, and assurance so we can praise God for His grace and salvation! In our new life, we are set apart, as we have salvation and an eternal inheritance available to us! God makes us holy in His sight and relevant for life here and now as well as for the eternity to come.

Salvation produces hope and joy. He is our living Hope that will not fade away! This bond ties us to the responsibility of responding to what our God has done for us. He gives us faith; we are responsible for keeping the faith going and growing because we will be delivered from those who oppose us (Eph. 6:16; Phil. 2:12-13; 1 Pet. 5:8-9).

This inheritance is about our God’s most abundant mercy, love, and grace, given to us, without merit, before the foundations of matter and time. He loves and cares for us beyond any depth or limit, beyond any human comprehension. This inheritance is given to us so we can declare it to others. We know Christ because He has made Himself known to us so we can make Him known to others.

Providence of Stewardship PII


Providence is about the fact, as it applies to stewardship, we have the comfort that Christ is in charge. All we are and have is for His glory and we are His steward.

At the same time, we have free choice, and also determination. This is where we can excel or get ourselves into trouble!

Somehow, beyond our capacity to reason, these two seemingly conflicting sets of reason, free will and providence, come together as friends (St. Augustine and Spurgeon). In theological terms, this is called Concurrence. This is the coterminous relationship between God’s decree and our free choice that somehow are shared in our journey through life, that our free will and choices work into His foreordained degrees without assault to our decisions.

Thus, if we do not receive His Grace and Salvation, even though His election exists, it is because we choose to not accept Him, which He sees by His foreknowledge, and applied to His purpose. To what extent this occurs is a matter of hot debate amongst theologians. But, is safe to say, He is ultimately in charge. (Yes, this will “blow out mind:” i.e. your thinking ability!) Even Calvin spent more time defending and explaining human responsibility and our duty to prayer more than any other subject in his writings. So, it is all in His hands, and it is up to us to get to work, trusting and obeying Him.

Providence refers to God’s foreknowledge. That means that God sees beforehand, and provides. It is a word we do not see much of today, but it has a rich history amongst the Puritans and Reformers as the great comfort that God is God and LORD over all.

God is no clockmaker who made the world, set it in motion, then left it, as the Deists proclaimed. God has ultimate authority and sovereignty over all the affairs of humanity. He is directing, involved, and working through it all, giving us mercy and guidance. He creates, He sustains. The universe is dependent upon His involvement, moment upon moment.

Ultimately, we do not have control over life or death. We make decisions, and we are called to seek Him first (Matt. 6:33). He is our ultimate safety net and security, both in life and eternity. Worry should not even come to our minds, because He is in charge (Matt. 6:25-34). We are in God’s provision, and nobody else has ultimate control. All power and authority is His by both direct and indirect means.

So, what does this have to do with stewardship? A lot!

We need to see our life as being in His hands of love and comfort, that He does have a wonderful plan for our lives, and everything happens for a reason and a purpose. So, we can manage, lead and be wise stewards of all He gives to us, because our comfort is that it is all His, we are His and all we do is for Him, Christ’s glory. So, yes we can excel and do our best!

As we manage God’s stuff and our lives, we need to look for logic, reason, and biblical precepts.

Because, His truth remains the same. We have to see all that happens in our life—form sufferings, tragedies, good times, what we have, what we can do, and all–as opportunities to learn, grow, develop character, and mature. If not, we miss out on what is important in life, causing it to be meaningless!


Good Stewards seek God and His Will!

Christians are called to seek God and His Will, not
our gratification, because it will lead us nowhere.

How would pursuing the things of the world lead you away from Christ? What could you do to prevent it?


Seeking God’s Will is our highest priority, outside of our salvation. Yet, so few Christians spend the time to do this! What can you do to create a mindset for yourself and your church that the Will of God is not just a task, an end to find, or just a set of goals; rather, it is a hunt and a journey?

How would this help in your church’s faith development and response to Christ’s call?

Who is the real loser?

hinn at win

Of the 20,000 pastors that we have helped equip and train in the last 10+ years that are far better Bible teachers than this yahoo, less than 1% have a car and less than 10% own a home. And they each planted more than 1 church and God used each one to bring many people to Christ, (new converts not sheep swapping the spiritually immature), , and some have actually really healed someone…. Who is the real loser?