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Spiritual Compatibility

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A workshop on Spiritual differences held at ROFC Soweto on. 212 November 2010

A workshop on Spiritual differences held at ROFC Soweto on. 212 November 2010

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Spiritual Compatibility Spiritual Compatibility Presentation Transcript

  • Prosperity And Financial Principles Presented by MV KOTU
  • DISCLAIMER
    • I am not a FINANCIAL Advisor
    • I am not an INVESTMENT Expert
    • My OPINIONS shared in this seminar should be viewed as mere opinions
    • Feel free to DISAGREE with me
  • Results Of Survey Done at TFT Reflecting Challenges in Marriages
    • Communication – 38.27%
    • Finances – 29%
    • Spirituality – 28%
    • Children – 18.5%
    • Neutrality – 16.04%
    • Sexual – 9.87%
  • Instead of – Financial Problems can we use – Lack of Proper Communication in Finances THE BIG QUESTION is it Possible that some couples use their Finances as a means of communication in their Marriages
  • Different Views On Financial Issues QUESTION 1
    • Money is to be spent only when necessary - 144
    • Money is to be enjoyed - 138
  • Different Views On Financial Issues QUESTION 2
    • Success is to be pursued by all legitimate means - 124
    • Success should not be pursued at the expense of family ties - 123
  • Different Views On Financial Issues QUESTION 3
    • Giving our Tithe as a family must be done without fail - 161
    • Giving our Tithe must only be done after we have paid our expenses - 30
  • Different Views On Financial Issues QUESTION 4
    • Food is an expression of giving and love - 161
    • Food is for sustenance. Eat with moderation - 99
  • GETTING TO THE POINT
    • These responses maybe symptoms of real underlying issues or experiences
    • QUESTION TO ASK YOURSELF
    • SO WHAT MAKES YOU TO VIEW THESE ISSUES IN THIS LIGHT ?
  • SOME INFLUENCES
    • UPBRINGING / BACKGROUND
    • EDUCATION
    • PERSONAL EXPERIENCES
    • FOCUS
  • MY HONEST PERSONAL VIEWS ON THE ABOVE
  • ON BACKROUND OR UP BRINGING You cannot expect your spouse to take part in RESOLVING your bad past beyond reasonable BARRIERS. They may NOT be trained for that. So as you get them involved please remember that they have come into this marriage for other things
  • ON EDUCATION It may be helpful to acknowledge that the Education you have acquired does not AUTOMATICALLY qualify you for the same position in your family. So please don’t overdo it!
  • ON PERSONAL EXPERIENCES Your personal experiences MAY have been results of YOUR personal AMBITIONS And / or Personal MISTAKES We need to find out what works best in our Family
  • ON FOCUS There are TWO types of Focus in every Relationship PERSONAL Focus and MUTUAL Focus Therefore its impossible to MANAGE TWO lives using personal focus
  • HOW WE SEE MONEY
    • LIFESTYLE – Getting what we WANT
    • DEBT- Getting what we CAN’T afford
    • SAVING – Putting aside for the next week
    • GIVING – Parting with what we don’t really need
  • THIS ATTITUDE SAYS SATISFY YOURSELF YOU WORKED HARD FOR IT AFTER ALL THERE ARE NO GUARANTEES IN LIFE
  • HOW GOD SEES MONEY
    • GIVING – Acknowledging our source
    • SAVING – Being responsible
    • LIFESTYLE – A result of the above two
    • DEBT – Enslaving and to Approached with wisdom
  • PRINCIPLES OF PROSPERITY FACT : WE LIVE IN AN ERA WHERE AN AVERAGE WORKING PERSON, WORLD WIDE IS ONLY 4 WEEKS AWAY FROM BANKRUPTCY
  • PRINCIPLE -1 IT ALL BELONGS TO GOD OR GOD OWNS IT ALL Matthew 6:32-33 ------------------- This knowledge shall influence our approach to Prosperity
  • PRINCIPLE - 2 GIVING IS A MUST IN THE WORLD OF PROSPERITY Deuteronomy 8:18 ------------------------------- God’s Best idea for my family is Total Prosperity
  • PRINCIPLE - 3 SAVE FOR THE FUTURE AND RAINY DAYS Proverbs 21:20 ----------------------- The best time to save is start EARLY and be consistent
  • CAUTION!
    • WHEN we save let us also be BALANCED and try to not concentrate solely on saving
    • WE must BALANCE our saving with our GIVING and also remember to live as COMFORTABLE as we can AFFORD
  • GODLY WAY OF HANDLING YOUR FINANCES
    • The FIRST cheque goes to GOD’S work
    • The SECOND cheque goes into SAVING
    • Then we can MANAGE the rest
  • WHERE TO SAVE MY OWN OPINION
    • PROPERTY – especially IMMOVABLE
    • Cash in BANK – at least 3 months of your salary
    • Retirement Annuity – a MUST for the self employed
    • Life Insurance – in case you live long or DIE before you get there
    • Burial Cover – Funerals are costly
  • MY OWN OPINION
    • None of the CARS parked outside are investments.
    • THEREFORE we don’t invest in cars
    • Clothes are DEFINITELY not an investments
    • QUALITY food is cheaper than GOOD food
  • CAR vs HOUSE EXAMPLE 1
    • A R500,000 car is worth at least R300,000 after 3 years – Loss R200k
    • A R500,000 HOUSE is worth at least R600,000 after 3 years – Increase R100k
    • So your HOUSE must at least be 2X the value of your car.
  • CAR vs HOUSE EXAMPLE 2
    • YEAR 1 - HOUSE: R1 MILLION
    • CAR: R500,000
    • TOTAL R1,500.000
    • YEAR 3 - SAME HOUSE: R1,250,000
    • SAME CAR: R300,000
    • TOTAL : R1,550,000
    • THIS DOES NOT TAKE INTO ACCOUNT THE INSTALMENTS PAID ON BOTH. BUT WHAT YOU LOSE ON CAR YOU RECOVER ON PROPERTY
  • PRINCIPLE - 4 AVOID ALL AVOIDABLE DEBTS FACT : WE SPEND A THIRD MORE WHEN USING CREDIT CARDS THAN CASH --------------------------------- Proverbs 22:7 ALL DEBT IS ENSLAVING, NO MATTER WHO YOU OWE
  • FACTS ON DEBT
    • DEBT can have a negative IMPACT on our relationship
    • Debt INCREASES levels of stress
    • Debt causes Physical and Emotional FATIGUE
    • Debt affects our COMMUNICATION
    • Debt affects SEXUAL Performance
  • SMART OR NOT? I call this The Jacob Strategy Genesis 30 Be as wise As Serpents How you can use Banks to back you up using the same income
  • EG: Nett salary R20,000 Deposit R20,000 Into Bank A On the 25th Move R15,000 To bank B On the 27th Move R10,000 To Bank C On the 29th Total cash flow R45,000
  • DISADVANTAGES
    • You lose Some of the money during Transfers
    • It requires Discipline which others don’t have
    • It requires consistency Do it longer than 6 Months
  • Advantage Of This Method
    • You have 3 banks that know you
    • You have cash flow with all 3 banks
    • It gives you More Borrowing Power
    • You can have 3 Credit cards
    • You can have 3 Overdrafts
    • You can have 3 loans for projects
  • WORTH CONSIDERING
    • GEORGE FOOSHEE
    • “ People BUY things they don’t need with money they don’t HAVE just to IMPRESS
    • People they don’t even like”
  • CONTENTMENT THE CHIEF CURE FOR DEBT 1 Timothy 6:6-7
    • REALIZE that just as God uses money to enhance our lives satan also uses money to bind our lives
    • Therefore ALWAYS try to want what you already have
  • PRINCIPLE – 5 Proverbs 17:18
    • NEVER sign a co- debtor or SURETY
    • Surety is just as good as the debtor
    • If you become surety the creditor has a legal right to collect the debt from you
    • In case your co debtor can’t pay it’s your debt
    • If you are married in COP it becomes your spouse’s debt too
  • QUESTION!
    • ARE WE NOT SUPPOSED TO HELP OTHERS ?
    • ANSWER
    • ASK THOSE WHO DID IT AND BURNT THEIR FINGERS!
  • ABOUT OUR PARENTS
    • Repay your Parents and Grand Parents
    • 1 Timothy 5:4
  • PRINCIPLE – 6 Proverbs 24:3
    • Develop a Budget TOGETHER and COMMIT to it
    • A budget is a PLAN of HOW you are going to pay off your debts and WHEN you are going to be free from them
  • SPEAK TO A FINANCIAL ADVISOR
    • This may take you out of debt sooner than you imagined
    • You may discover that you actually have resources to pay your debts
    • Ask about CONSOLIDATION
  • CONSIDER THESE WORDS FROM GOD
    • Joel 3:3 Two cannot walk together unless they agree
    • Deuteronomy 8:18 I give you the power to create wealth
    • 3 John 2 That you may Prosper
  • Next Meeting 21 November 2010 MV KOTU http://montoedikotu.blogspot.com