Brand New

Therefore, if anyone is in Christ, he is a new creation; old things have passed away; behold, all things have become new.  2 Corinthians 5:17 (NKJV) 

 

Sitting in church one Sunday, I was seated behind a family…. As I was waiting, I was blessed to observe them. The family consisted of 4 generations; an about 4 year old little boy, his mother, his grandmother and his great-grandmother. The ladies were at different stages in their lives and had no doubt seen their share of “experiences”. The little boy was “new”; any experiences or trials that had come his way had been intercepted and handled by his parents. His parents sheltered him, therefore he remained “new”. 

As children often are, the little boy was the center of focus for all the adults. He commanded their attention. Great-grandmother just stared at him, seemingly in awe. Her characteristics and her expressions told the story that she had seen and endured a little more than them all. Her demeanor was somewhat fatigued. She looked at the little boy seemingly remembering a time of more energy. Grandma allowed him to keep her busy with that “grandma” look on her face. ..the look that says, “This is the smartest and most beautiful child on the face of the earth.”  Mama reeled him in when grandma allowed him to get too out of hand. 

Eventually, the service started and the little boy was too restless to sit still. Grandma reached in her purse and pulled out a tiny Bible and said to him, “Here, this is yours, you take care of it.” It was meant to occupy and quiet him. Instead of quieting down, he began jumping up and down saying, “This is my Bible, all mine!” He repeated this phrase with excitement. “This is my Bible, all mine!” He turned to my husband and I and showed it to us; “This is my Bible, all mine!” The grin on his face was irreplaceable. The excitement in his spirit could not be concealed. He was brand new. 

He was excited about this special gift. He wanted to tell others about this special gift. It was his. He was brand new. 

I remind myself what it was like to be brand new.. .. to have something so precious, so exciting, I could not keep it to myself. I wanted to be brand new again. 

Experiences come our way and we allow them to beat us to a tired, fatigued demeanor. We sometimes forget that contained in the Word, that precious gift, is the story of how HIS blood washes us clean and makes us “brand new”. He is available to intercept our issues and handle them. He will shelter us from storms that wipe away our energy. If we allow him to….we too can be “brand new.” 

I picked up my Bible, renewed my commitment to read it with excitement, as if for the first time. I realized, it was my Bible, and it’s promises were “all mine”. When I treat the Word as if I am a “brand new” creation as it says I am….I can’t conceal my excitement, I have to tell as many as possible that they too can be “brand new”. 

Tracey Evans is an insurance underwriter who has a passion for writing. She enjoys developing programs attached to youth sports and extracurricular activities. Tracey is in the process of developing a ministry and organization, Moms of Champions and Champions Chance. Moms of Champions is a ministry of moms who pray for and encourage excellence in their children who participate in sports and other activities. Champions Chance is an organization in the making that will provide funding for children to find “their thing” and participate. She can be contacted at momsofchampions@yahoo.com.


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Do You Loan Money to Family?

It’s usually not a good idea to loan money to family. So many things can go wrong. In this economy many family and friends may need help, and of course we want to help ease their stress and pain. Even though lending a financial hand seems like the right thing to do, it can actually backfire and cause drama and distress.

Have you ever used your hard-earned money to help someone that is “broke” keep their house, car, utilities, or put food on their table? Then to see them a few days later with a new manicure, pedicure, or hair cut? Have you loaned money with a promise to repay and after they ditched and dodged you for months and even years, you realized you would never see your money again. So what should you do when you are approached by family or friends to borrow money? First, find out why your friend or family member is having a difficult time. If they have a history of being irresponsible or reckless with money, why should that be your problem? If they are consistently bad with money – giving them money would do more harm than good.  In fact, if you give someone money that isn’t interested in changing their spending habits, loaning money can ruin them and your relationship.  

Below are some suggestions on loaning money to family:

  • Do not lend money you do not have. You have your own bills to pay. If you are in a jam who will be there to help you? If you can’t afford to lose the money, don’t do it.
  • Do not co-sign for a loan. You want to ruin your credit and get in debt? Co-sign and take on someone else’s financial obligations. If you want tension, stress, possible resentment, and a stained relationship – Go right ahead co-sign. Not a smart move!
  • Teach them how to budget. Giving a loan or money is not always the solution to someone that is having financial troubles. Show them how to manage their money, prepare for the unexpected, and take preventative financial measures to be sustainable.
  • Give a small gift. I never loan money. But, what I will do is give towards a person’s need if I feel lead to do so. Many times I do not feel lead to do so, but when I do I let them know it is not a loan and they do not have to repay me.
  • Get a loan in writing. If you do decide to loan money, make sure you put all the terms and conditions in writing. The agreement should include a date for repayment, monthly or lump sum amount, signatures of both parties, and copies should be made. The original should go to the lender and a copy to the borrower.

There is no shame in saying “No”

If your answer is “no,” that is okay. You don’t have to give a long explanation or reason, keep it short-n-sweet. Let them know you can’t loan them money, but you can offer a small gift (if you can). Bottom line, it’s up to you to look at all the options and make the best decision for you, your family, and your situation.  

Have you ever loaned money to family or friends?

 

Sharman Lawson is a financial coach, speaker, and author of the book 12 Steps to Eliminate Debt Forever! Visit her website at www.sharmanlawson.com.


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