Everand Logo

Welcome to Everand!

  • Discover millions of ebooks, audiobooks, and so much more with a free trial

    Only $11.99/month after trial. Cancel anytime.

    Paid in Full: Reset Your Gps for Goal-Powered Spending
    Paid in Full: Reset Your Gps for Goal-Powered Spending
    Paid in Full: Reset Your Gps for Goal-Powered Spending
    Ebook117 pages1 hour

    Paid in Full: Reset Your Gps for Goal-Powered Spending

    By Ray Noftsinger and Shirley Noftsinger

    ()

    Read preview

    About this ebook

    For the First Time, Th e Faith Filled mindset of sowing seed for your harvest is coupled with practical step-by-step financial spending concepts and then merged with financial tools to accelerate your way out of debt. In the same way your cars GPS takes you to your destination, your Financial Goal Powered Spending (GPS) guides you to be Paid in Full.

    The passion and sense of urgency with which Ray and Shirley Noftsinger operate their counseling programs extends far beyond their own needs. Its never been about us, says Ray. When we became blessed abundantly through a sales contract I received, we asked the Lord what He wanted us to do with the excess. He told me, Get my people out of debt!

    Establishing their ministry from Isaiah 58:6 as it applies to debt, Shirley and Ray have ministered nationwide. Since 1996 over fifteen thousand families in debt from all backgrounds and faiths have become debt free. Their desire to counsel, educate, and set people free from financial oppression is the driving force to their ministry. Through extensive study of spiritual laws, which tap the continuous flow of Gods covenant promises, Shirley and Ray live as an example of the covenant of financial blessing provided in scriptures with all balances, of course, Paid In Full.

    LanguageEnglish
    PublisherWestBow Press
    Release dateNov 22, 2011
    ISBN9781449729400
    Paid in Full: Reset Your Gps for Goal-Powered Spending
    Author

    Ray Noftsinger

    Ray Noftsinger, the founder of Harbour Credit Counseling, graduated from Virginia Tech and has forty years of financial experience. Ray is Past President of a Nationwide Debt Management Association and has been featured on specials for Christian television and radio. Shirley Noftsinger, co-founder, holds a master’s degree from Kent State University and spent fifteen successful years as a single parent. Her prospering is a result of her faith in the covenant blessings from the Lord Jesus outlined in this book.

    Related to Paid in Full

    Related ebooks

    Personal Finance For You

    View More
    View More

    Related podcast episodes

    Related articles

    • Article

      Speakers

      Jun 24, 2019

      I have some exciting news to share! Evangelist Support Network – the network for evangelists that my husband and I head up – is holding an intimate three-day conference for evangelists and their teams this August called ES Connect 2019. Such will tak

      3 min read

    • Article

      Ask Val

      Feb 11, 2022

      Ask Val
      2 min read

    • Article

      Samuel Rodriguez

      Jul 26, 2022

      Samuel Rodriguez
      2 min read

    • Article

      Happy New Year

      Sep 29, 2017

      I'm on probation these days. For it's that time of year when Jews put themselves on trial before the High Judge, so I write today's column from the dock, being my own accuser and, at the end of these Ten Days of Repentance, my own defense attorney. E

      4 min read

    • Article

      Redefining Your World View

      May 20, 2022

      Redefining Your World View
      1 min read

    • Article

      Letters To The Editor

      Jul 30, 2021

      Dear readers, we love to hear your thoughts on the stories that we publish, what is going on around the world, and what the Lord has placed on your heart! Email your letter through to editor@joymag.co.za for a chance to be featured – please try to ke

      7 min read

    • Article

      How To Transform Your Relationship With Money

      May 1, 2021

      PICTURE a global retail chain with hundreds of staff worldwide and dozens of employees, or a factory that sources from suppliers in 10 different countries – each a microcosm of the corporate, global economy. What’s the one thing they all need consist

      3 min read

    • Article

      How To Transform Your Relationship With Money

      May 1, 2021

      PICTURE a global retail chain with hundreds of staff worldwide and dozens of employees, or a factory that sources from suppliers in 10 different countries – each a microcosm of the corporate, global economy. What’s the one thing they all need consist

      3 min read

    • Article

      How To Transform Your Relationship With Money

      May 1, 2021

      PICTURE a global retail chain with hundreds of staff worldwide and dozens of employees, or a factory that sources from suppliers in 10 different countries – each a microcosm of the corporate, global economy. What’s the one thing they all need consist

      3 min read

    • Article

      Unequal Prospects

      Apr 30, 2023

      Old people can be tricky. I know, because in my mid-eighties, I am one. And I’m married to one. Together we live happily in a small retirement complex with other old people. For three years I’ve watched relatively able-bodied and “with it” people joi

      2 min read

    • Article

      Uncomfortable Lessons I Have Learned in Estate Planning

      Jan 1, 2022

      A year ago, I moved my family back to our home state after being away for seven years.  I was looking forward to being closer to my father.  He was 84 years old and had been ill for a very long time; he had survived kidney cancer, but his remaining k

      3 min read

    • Article

      GOD’S VIEW OF MONEYA Crucial Part Of Our Legacy

      Mar 10, 2023

      There are few topics more sensitive to discuss than money—or more necessary. Have you had “the money talk” with your children or grandchildren? I hope so, because money—and everything that money can buy and represent—is the number one competitor for

      2 min read

    • Article

      Letter To The Editor

      Mar 16, 2020

      My working environment is non-Christian and I work very hard with long hours every day. After a few months, through the mighty and powerful work of the Holy Spirit, I started a prayer group at our workplace, but I have been doubting if this is the pl

      6 min read

    • Article

      Letters To The Editor

      May 20, 2019

      Are you discouraged? Many times we become so discouraged by our situation, our circumstance, our trial, or our tribulations, that we forget that we are part of something bigger than this, something bigger than what we are going through, something bi

      6 min read

    • Article

      Finding Joy In New Therapy Career Kate Silverton On What All Children Need To Thrive — And How You Can Help

      Oct 9, 2023

      A broadcaster, journalist, 2018 Strictly Come Dancing contestant and the author of best-selling parenting guide There’s No Such Thing as Naughty, Kate Silverton has retrained as a child therapist. She has children Clemency, 11, and nine-year-old Wilb

      3 min read

    • Article

      Invite An Evangelist To Your Church

      Aug 19, 2019

      Founder of Lightlife Evangelistic Ministries. Winning of souls through Gospel Crusades in areas where gang violence, drug abuse, and crime rates are very high. 021 705 4556 4lightlife2@gmail.com finances | lifestyle | body | spirit More than 27

      3 min read

    • Article

      Q & A

      Apr 28, 2021

      QI am desperately seeking advice with regard to premiums I am paying for life insurance, which have now reached a ridiculous level that I can no longer afford. But before I contact the insurer to find out what my options are, I would welcome any sugg

      9 min read

    Related categories

    Reviews for Paid in Full

    0 ratings

    0 ratings0 reviews

    What did you think?

    Tap to rate

    Review must be at least 10 words

      Book preview

      Paid in Full - Ray Noftsinger

      Contents

      1. Money Is Good!

      Money and Culture

      Money Really Is Good!

      The Battle for Your Wallet is in your Mind

      2. Planning and Preparing for Our Financial Futures

      Missionary to the Nation of Debt

      What Is Your Current Financial Address?

      Survival:   Law of Perseverance

      Stagnation:   Law of Responsibility

      Significant:   Law of Greatness

      Setting Goals: GPS (Goal-Powered Spending)   Law of Fidelity

      Compound Interest:    Law of Use

      So, You Want to Buy a Home?   Final Law Exam!

      3. Debt Valley Days

      Looming Shadows of Debt

      So, Is Debt Ethically Wrong?

      What Is Scripturally Wrong with Debt?

      Four Things Debt Causes:

      Seven Debtly Snares

      Symptoms of Debt:

      Expense of Debt

      Seven Debtly Stages

      4. Exodus from Debt Valley

      Step 1. Earn all you can:

      Take a Talent Inventory

      Career Talent Identification

      Step 2. Spend Less Than You Earn:

      Seek Godly Wisdom in Financial Areas.

      Step 3. Use the Excess to Eliminate Debt:

      Reset Your Affections

      Who Do I Pay Off First?!

      Debt Elimination Strategy

      But What If I Can’t Pay All My Bills?

      Alternatives When You Can’t Make Your Payments

      Get Pre-Bankruptcy Counseling

      5. Stewardship

      Work to Be a Blessing

      The Three Mentalities of Giving: Poverty, Prosperity, and Stewardship

      New Covenant Law Is Love

      Check Your Heart!

      Seed for the Harvest!

      Here’s the Deal:

      Introduction

      There would be no possible way to give credit to all who have contributed, both positively and negatively, to the basic biblical principles we have learned and experienced in this book. We would have to start with both of us being born into faith-filled families, having parents with excellent work ethics, and having basically good American school systems with passionate teachers. Then, early childhood negatives: by six years old, Ray had lost his dad to leukemia, and had a widowed mother raising two sons alone; Shirley’s family had career changes, moving many times in and out of impoverished neighborhoods and school systems. There were threats of sibling leukemia and cancelled hospital insurance. Each of us somehow thrived in homes plagued by psychological, financial, and emotional upheaval. Our teen years were full of educational promise, but had no financial promise. Without an entitlement expectation we both aspired to obtain futures far beyond our peers in a desperate goal to "never be broke another day in our life," to quote Dr. Leroy Thompson, of Word of Life Christian Center, Darrow, Louisiana.

      Many years passed for both of us as we grew up. The common thread was a strong sense of living within our means, saving to get things, and working hard. These were the ethics and values that we inherited from our parents and grandparents. All things considered, the major success contributor to acknowledge has to be the Lord, for the vast wisdom, discipline, and faith to move beyond what life dealt us as young adults. However, at that phase of our lives, we did not have a level of spiritual maturity to really understand all this.

      We had the peace over the mass confusion of the conforming society of the sixties and seventies to look beyond the expensive homes, yachts, and sport cars our friends were selling their futures to have. We would seek the uncluttered presence of the Lord each morning in a simpler lifestyle. At the price of great ridicule and discrimination, we purchased the privilege of laying our heads on our pillow at night, knowing we owed no one anything but the love God had freely given us.

      Foreword

      On July 10, 1994, we joined forces at the altar as spiritually mature Christians starting out in the power of the baptism of the Holy Spirit and ready to do great things. One of our greatest presents to each other was combining our households with very little debt. The first ten years were marked by great blessings and great challenges. The steadfast support of our pastors, the strong teaching of the ministries outlined below, and the guidance of the Holy Spirit brought us through challenges, including job loss within first year, a resulting legal battle related to child custody and financial support, one daughter starting college with little financial aid, an attack of bladder cancer, abandonment at various times by various family members, business challenges, and more. During all these times, we found that hiding place from the pressures trying to compromise our position and relationship with the One who knew our end from our beginning. (Psalm 91)

      Our only credit goes to being diligent and obedient to the Lord and what these great teachers have taught us. Regardless of the challenges, the blessing continued to pursue and overtake us. We totally got out of debt, even paying off our car and home mortgage. We founded a credit counseling agency based on Isaiah 58:6. We moved to a penthouse condo on the water and paid it off in less than five years. We successfully put two daughters through college with no debt and paid for their weddings with no debt. We purchased a family thirty-four-foot cruising boat, and an office building. Our only debt is related to the office building, paid by the tenants each month.

      Though contributing ministries are listed with contact information at the back of this book, special mention needs to be made of the ones whose materials are included throughout our book. Dr. M.G. Pat Robertson, who was very instrumental in Shirley’s return to a life of faith, wrote and recently revised into DVD format Secret Kingdom, from which we note the spiritual laws that govern release or restraint of kingdom blessings in our lives. Kenneth and Gloria Copeland, of The Believers Voice of Victory, were faithful teachers for us daily for over thirty years on seed faith and harvest for financial prosperity and health. Dr. LeRoy Thompson’s powerful revelation books and interviews on the three lands of existence: land of not enough, land of just enough, and land of more than enough.

      All biblical references, unless specifically noted, are taken from The Holy Bible, Finis Jennings Dake’s Annotated Reference Bible, Twentieth Printing, October 1989.

      Finally, we are very indebted to our clients from Harbour Credit Counseling, DebtFreeAmerica.com, American Payment Technologies, and Approved Bankruptcy Certification Services, who have fueled our passion for getting people out of debt and teaching them to thrive regardless of their circumstances or the national economy. They are an ever-present reminder that the Lord does have plans to give us hope and a future.

      Assisting thousands of people in achieving and maintaining a debt-free lifestyle is why we continually seek new ways to take these powerful biblical principles to every possible media.

      Our Objective

      Get the Most People out of Debt the Fastest!

      Isaiah 58:6–8

      New International Version

      "Is not this the kind of fasting I have chosen:

      to loose the chains of injustice

      and untie the cords of the yoke,

      to set the oppressed free

      and break every yoke?

      7

      Is it not to share your food with the hungry

      and to provide the poor wanderer with shelter—

      when you see the naked, to clothe them,

      and not to turn away from your own flesh and blood?

      8

      Then your light will break forth like the dawn,

      and your healing will quickly appear;

      then your righteousness[a] will go before you,

      and the glory of the LORD will be your rear guard."

      Money Is Good!

      Chapter 1

      Money and Culture

      Money is a terrible master, but an excellent servant.— P.T. Barnum

      Law of Unity: Matthew 18:19–20

      Again I say unto you, that If two of you shall agree on earth as touching anything that they shall ask, it shall be done for them by My Father which is in heaven. For where two or three are gathered together in My name, there AM I in the midst of them.

      First, let’s expose the blame

      Enjoying the preview?
      Page 1 of 1