Dear Lord, Thank you for another
beautiful sunrise , Every breath I take is a gift from you,
Thank you Lord , No matter what I face today with your help,
I know I will be able to endure overcome and prevail.
I thank you in advance for your strength and energy that will sustain me,
Your wisdom that will guide me and your peace that will fill me .
May this day  be filled with so many blessings , Miracles and answered
prayers in Jesus' name' I pray, Amen !



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May the Lord open up the windows of heaven and pour you a blessing that you will not have room enough to receive it all. May the Lord bless you exceedingly and abundantly, above all you could ever hope for. May the Lord bless you that you may walk in a financial overflow for the rest of your days in the Name of Jesus. Amen !

Lets get to the point about money


Spending less than you earn may seem cheap and poor, but many people fail and misunderstand.

That In today's world, access to credit and debt is extremely easy. There's credit cards, personal loans, card loans, mortgages and many other enticing forms of debt that allow you to spend more than you earn. However, the key to building long-term wealth is to avoid debt. The only way to do that is to spend less than you earn. Not more. Less.

Debt is like a black hole, the more debt you have, the harder it is to become debt-free. As you accumulate debt, you become a riskier borrower, which means your interest rates become higher, which makes it even harder for you to pay off your debt.

By spending less than you earn, you can pay off existing debt and start to accumulate savings. As these savings grow, they become wealth, and that wealth will create more wealth.

Even saving just $1 a day means you will end up with $365 extra each year or $3,650, over 10 years. That didn't even consider the savings on interest or potential investment gains! So, if you give up that cup of coffee or bar of chocolate each day, you'll live way more comfortably in 10 years.

The hard part, of course, is how you can spend less. It obviously will involve giving up some of your current luxuries.

Here are some areas:
- No more beer or wine,  make your own juice from fruits  and veg.
- Less snacking, Snacks are very expensive and offer little nutritional value.
- Less entertainment. Highly expensive, get out of debt first, then entertain yourself.
- No more paying for TV. Streaming is free, and watch something educational that would make you more money.
- Find cheaper alternatives. Shop around for the lowest priced things. Especially things that you pay for regularly, such as insurance, internet, phone, transportation.
- Stay healthy. Less medical bills.
- Use coupons and buy only on sale. Become a good bargain hunter.
- Don't buy unless it's necessary.