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by Linda Hull

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"I meditate on all thy works."

Be Transformed!

In This Issue

October, 2008, Volume 14.10

 "For God hath not given us the spirit of fear; but of power, and of love, and of a sound mind." 2 Timothy 1:7

Letter From The Editor

God has a bailout plan!

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  Letter from the Editor...

Dear Folks,

In these uncertain times, it is easy to focus on the immediate. Rumors abound. We don't know what the future holds, but to coin an old cliché, we know who holds the future. Rather than reacting, let's respond to these times with positive goals set in a sure foundation of truth. God's Word provides us with wise words of wisdom to provide encouragement in our time of need.

Many of us have been living on a line of credit for a long while. If we're honest with ourselves, truth is, we haven't followed God's principles for financial blessings. Let's consider making a change...


to continue




Do you know for sure?

God Has A Bailout Plan...
Musings: Psalm 112
Sweet Freedom from Debt by Nancy Twigg
Grandmother's Scrapbook: The Providence of God
Home School Tips:
Thought Provokers
Recipe Corner

Tract Catalog

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Copyright © 2008 by Linda G. Hull

The Believer's Mission...

"Wherefore laying aside all malice, and all guile, and hypocrisies, and envies, and all evil speakings,

As newborn babes, desire the sincere milk of the word, that ye may grow thereby: 

If so be ye have tasted that the Lord is gracious.

To whom coming, as unto a living stone, disallowed indeed of men, but chosen of God, and precious,

Ye also, as lively stones, are built up a spiritual house, an holy priesthood, to offer up spiritual sacrifices, acceptable to God by Jesus Christ.

Wherefore also it is contained in the scripture, Behold, I lay in Sion a chief corner stone, elect, precious: and he that believeth on him shall not be confounded.

Unto you therefore which believe he is precious: but unto them which be disobedient, the stone which the builders disallowed, the same is made the head of the corner,

And a stone of stumbling, and a rock of offence, even to them which stumble at the word, being disobedient; whereunto also they were appointed.

But ye are a chosen generation, a royal priesthood, an holy nation, a peculiar people; that ye should shew forth the praises of him who hath called you out of darkness into his marvelous light: which in time past were not a people, but are now the people of God: which had not obtained mercy, but now have obtained mercy."

1 Peter 2:1-10  


God Has A Bailout Plan...

Lately, we're witnessing the failure of the world's ways. Many who have placed their trust in the world system are suffering.  Many who pursued their own way are finding that their way has led to financial bondage, loss of wealth, and fear. There is no peace to be found in material things, only fear. We fear the loss of our wealth because we fear for our survival. Fear leads us to lay up treasures on earth to meet all our needs. In fact the desire or lust for material things causes us to spend more than we earn.

"Lay not up for yourselves treasures upon earth, where moth and rust doth corrupt, and where thieves break through and steal: but lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal:  for where your treasure is, there will your heart be also."  Matthew 6:19-20

God's bailout plan is simple:  follow Him. We must be willing to sacrifice our material goods if necessary, in order to gain spiritual riches.  We are called to walk in all His ways. We are called to separate ourselves from the world's ways, not the world, but the ways of the world. The ways of the world do not benefit us or others. Would you consider turning your finances over to God?  Will you take on the responsibility of being a good steward of God's resources?

Our Lord never intended our life's mission to be the pursuit of wealth. Meeting the desires of our heart can become so encompassing, we totally miss what our Lord has provided. We are cautioned in Proverbs:

"Labour not to be rich:  cease from thine own wisdom." Proverbs 23:4

At the same time, He didn't mean for us to be idle either.

"For even when we were with you, this we commanded you, that if any would not work, neither should he eat." 2 Thessalonians 3:10

Instead He desired for us to be conformed to His image so that He would be glorified in us. He created us so He knows what we need. He tells us in Isaiah that He will teach us to profit. The Hebrew word "profit" means to benefit, to gain, to avail.  It is important to understand that He is not talking about wealth here. Following His commands and following His way benefits us. 

"Thus saith the Lord, thy Redeemer, the Holy One of Israel; I am the Lord thy God which teacheth thee to profit, which leadeth thee by the way that thou shouldest go. O that thou hadst hearkened to my commandments! then had thy peace been as a river, and thy righteousness as the waves of the sea" Isaiah 48:17-18

We can trust Him to provide and care for us when we obey Him.

God's Financial Principles:

#1 Give Him the first fruits or tithe.

"Will a man rob God? Yet ye have robbed me. But ye say, wherein have we robbed thee? In tithes and offerings. Ye are cursed with a curse: for ye have robbed me, even this whole nation. Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove me now herewith, saith the Lord of hosts, if I will not open you the windows of heaven, and pour you out a blessing, that there shall not be room enough to receive it. And I will rebuke the devourer for your sakes, and he shall not destroy the fruits of your ground; neither shall your vine cast her fruit before the time in the field, saith the Lord of hosts. And all nations shall call you blessed:  for ye shall be a delightsome land, saith the Lord of hosts."  Malachi 3:8-12

People get very nervous and even upset to think that they must share their wealth with God. The storehouse we are commanded to bring our tithe to is the church. This money is used for the upkeep and expenses of the church property, the sustenance for the Pastor, and for the needs of others including missionaries.

If you think about it, all that we have came from Him to use as we wish in accordance with His laws and commands. All He asks is 10%. That's not much. Would you deprive the God you love of the small bit He requests?

Tithing is mentioned in the Old Testament, but is also practiced during New Testament times. Did you know that the tithe can also be applied to our time, energy, etc.? The tithe is an expression of our love to our Lord.  It also serves as a barometer for the measure of our love.


#2 Do not be unequally yoked with unbelievers.

"Be ye not unequally yoked together with unbelievers:  for what fellowship hath righteousness with unrighteousness? and what communion hath light with darkness?  And what concord hath Christ with Belial? or what part hath he that believeth with an infidel? And what agreement hath the temple of God with idols? for ye are the temple of the living God; as God hath said, I will dwell in them, and walk in them; and I will be their God, and they shall be my people. Wherefore come out from among them, and be ye separate, saith the Lord, and touch not the unclean thing; and I will receive you."  2 Corinthians 6:14-17

We will never have the peace we seek if we are trying to follow two ways:  the world's way and the Lord's way.  We will find ourselves in constant conflict and turmoil.

Be careful who you do business with or who you partner with. Our businesses are to be used to glorify God and to be an opportunity to live out the truths of His Word as an example to others.


#3 Practice giving out of your abundance to meet the needs of others while trusting that in your time of need, your needs will be met.

So what is the purpose of wealth? We find the answer again in 2 Corinthians where we learn that our abundance is a resource to meet the  needs of others:

"Therefore, as ye abound in every thing, in faith, and utterance, and knowledge, and in all diligence, and in your love to us, see that ye abound in this grace also. I speak not by commandment, but by occasion of the forwardness of others, and to prove the sincerity of your love. For ye know the grace of our Lord Jesus Christ, that, though He was rich, yet for your sakes He became poor, that ye through His poverty might be rich. And herein I give my advice:  for this is expedient for you, who have begun before, not only to do, but also to be forward a year ago. Now therefore perform the doing of it,; that as there was a readiness to will, so there may be a performance also out of that which ye have. For if there be first a willing mind, it is accepted according to that a man hath, and not according to that he hath not. For I mean not that other men be eased, and ye burdened:  but by an equality, that now at this time your abundance may be a supply for their want, that their abundance also may be a supply for your want: that there may be equality. As it is written, He that had gathered much had nothing over; and he that had gathered little had no lack."  2 Corinthians 8:7-15

"But this I say, he which soweth sparingly shall reap also sparingly; and he which soweth bountifully shall reap also bountifully. Every man according as he purposeth in his heart, so let him give, not grudgingly, or of necessity:  for God loveth a cheerful giver. And God is able to make all grace abound toward you; that ye, always having all sufficiency in all things, may abound to every good work: (As it is written, he hath dispersed abroad; he hath given to the poor; his righteousness remaineth for ever. Now he that ministered seed to the sower both minister bread for your food, and multiply your seed sown, and increase the fruits of your righteousness;) being enriched in every thing to all bountifulness, which causeth through us thanksgiving to God.  For the administration of this service not only supplieth the want of the saints, but is abundant also by many thanksgivings unto God; whiles by the experiment of this ministration they glorify God for your professed subjection unto the gospel of Christ, and for your liberal distribution unto them, and unto all men;" 2 Corinthians 9:6-13

Do not misunderstand. This is not about meeting the needs of those who do not work. Keep in mind that Paul was speaking to the Church at Corinth. He reminds us that all that we have belongs to Him. We own nothing, but are merely caretakers.

"For by him were all things created, that are in heaven, and that are in earth, visible and invisible, whether they be thrones, or dominions, or principalities, or powers:  all things were created by him, and for him:  and he is before all things, and by him all things consist." Colossians 1:16-17

Our Lord gave himself for us, so we too are to give ourselves.

"Hereby perceive we the love of God, because he laid down his life for us:  and we ought to lay down our lives for the brethren. But whoso hath this world's good, and seeth his brother have need, and shutteth up his bowels of compassion from him, how dwelleth the love of God in him?" 1 John 3:16-17

Our abundance is a resource to used to help others. Giving is an expression of our love and compassion. Our abundance is not meant to be hoarded or amassed for ourselves; it isn't ours, but His. We are the instruments of His mercy and grace. Let us begin to look past ourselves to the needs of others. In this time of uncertainty, there are many who will be in need that could benefit from our help as we are able.

Would you consider turning your finances over to God?  Will you take on the responsibility of being a good steward of God's resources?


If you are struggling to believe the truth and do not know Jesus as your Savior, then please go to Do you know for sure?


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"Then the disciples, every man according to his ability, determined to send relief unto the brethren which dwelt in Judea:  which also they did, and sent it to the elders by the hands of Barnabas and Saul." Acts 11:29-30

   MUSINGS... Psalm 112


"Praise ye the Lord. Blessed is the man that feareth the Lord, that delighteth greatly in his commandments.

His seed shall be mighty upon earth:  the generation of the upright shall be blessed.

Wealth and riches shall be in his house:  and his righteousness endureth for ever.

Unto the upright there ariseth light in the darkness:  he is gracious, and full of compassion, and righteous.

A good man sheweth favour and lendeth:  he will guide his affairs with discretion.

Surely he shall not be moved for ever:  the righteous shall be in everlasting remembrance.

He shall not be afraid of evil tidings:  his heart is fixed, trusting in the Lord.

His heart is established, he shall not be afraid, until he see his desire upon his enemies.

He hath dispersed, he hath given to the poor; his righteousness endureth for ever; his horn shall be exalted with honor.

The wicked shall see it, and be grieved; he shall gnash with his teeth, and melt away:  the desire of the wicked shall perish."



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"Thus saith the Lord, let not the wise man glory in his wisdom, neither let the mighty man glory in his might, let not the rich man glory in his riches: but let him that glorieth glory in this, that he understandeth and knoweth me, that I am the Lord which exercise lovingkindness, judgment, and righteousness, in the earth:  for in these things I delight, saith the Lord." Jeremiah 9:23-24

Sweet Freedom from Debt

by Nancy Twigg


Benjamin Franklin had very definite opinions about debt, one of my favorites being, “Better to go to bed supperless, than wake up in debt.”

What a stark contrast to the attitude many have toward debt today.

Instead of something to be avoided, we have embraced credit as a friend— an easy way to bypass shortages of funds. If debt was once such a disgrace, why do we now see debt as a strange sort of blessing rather than a curse?

Part of the problem is our cultural mind-set that debt is normal. It’s as if you are somehow abnormal if you choose to avoid it. We face a fierce pressure to live as “everyone else” does—even if that means spending beyond our incomes. We want the same standard of living as our parents and grandparents, without all the hard work and saving they did to get where they are.

We’ve bought into the lie that says living the good life means having what we want when we want it. The line of thinking goes like this: “If you want to be happy, you have to have stuff. To have stuff, you have to have money. If you don’t have money, you can still have stuff, but you have to have debt.” Debt is seen as a necessary evil.

Do you think you’d have to be on the verge of bankruptcy to be seriously affected by debt? Think again. Debt changes the way we live and the way we relate to our families. Many mothers who would rather stay home with their new babies can’t because they have to go back to work. Couples who say that family time is most important rarely see each other and their kids because they must work long hours to make payments on their debt.

Decisions are not made according to what is best for the family but, instead, what is necessary to pay basic expenses plus all the debt too.

Does your family have more consumer debt than you care to admit? How would your life look if you were debt free? What would you do that you can’t do now? Would you spend more time with your family? Volunteer more? Explore career options that never seemed viable before? Likewise, what wouldn’t you do that you must do now? Would being free from financial concerns make it easier to live life the way you truly want to live it?

Unfortunately, Satan can use debt as a noose around your neck. Whether you owe a little or a lot, being in debt causes you to have divided loyalties. How can you truly put your family first when financial obligations dictate when, where, and how much you work? How can you fully pursue God’s will for your life when you are so busy just trying to pay the bills? Like the other forms of clutter, debt takes your attention away from God. Buying on credit keeps you from looking to God for his provision to meet your needs. After all, why wait for God to provide when instant credit and no down payment mean you can provide for yourself right away?

Would you like to make a clean break from the bondage of debt? Using these steps, your family can experience this kind of freedom:

1. Stop sugar-coating debt. You must see debt for what it really is:  slavery.

Consumer debt is not a necessity. It is not a convenience or a luxury. Debt is a ball and chain that keeps you from living your life the way God wants you want to live it. Get angry about the situation, and use your anger to propel you into action to do something about it.

2. Take responsibility for the problem. Take a serious look at why those debts occurred. Debt is an external symptom of clutter of the heart.

Spend time figuring out what is going on inside you that caused the debt in the first place. Was it because your family didn’t trust and wait for God’s provision? Did you try to take the easy way out and use credit instead of saving up for what you needed? Could you have avoided debt by setting aside funds to cover the inevitable emergencies of life?

Whatever the underlying reason for the debt, admit any wrongdoing on your part, and ask God to help you deal with that issue.

3. Seek godly counsel.

Seek counsel about the best way to deal with your debt. Several Christian organizations (Crown Financial Ministries, Dave Ramsey’s Financial Peace University) help families use biblical principles to break free from debt. Ask a trusted friend or your pastor to suggest the best resources for guidance and support to work through the steps of debt repayment.

4. Be patient. Just as we don’t gain weight overnight, we don’t sink deeply into debt overnight either.

Both situations take time and effort to change. The larger the debt problem, the longer it will take to work through it. But instead of focusing on how long it will take you to repay your debts, focus instead on how wonderful it will feel when you are completely free. Celebrate small victories along the way so you will not get discouraged as you work toward your ultimate goal.



*Excerpt taken from: From Clutter to Clarity: Simplifying Life from the Inside Out © 2007 by Nancy Twigg, published by Standard Publishing ( <file://>). Used by permission.





Nancy Twigg is an author and speaker who loves inspiring women to live more simply. To learn more about Nancy’s speaking and writing ministry, visit her online at <>

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"Behold, ye trust in lying words, that cannot profit." Jeremiah 7:8


"Inspired by great-grandmother's scrapbook, compiled before 1918."


The Providence of God


Yea, the Lord shall give that which is good; and our land shall yield her increase. Psalm 85:12

The seed was sown long months ago,
And, through the winter's cold and snow,
We trusted that God's care would bring
The green and tender blade in spring,
Which cherished by the sun and rain
Of summer, now has yielded grain
In autumn, when the reaper leaves
His cot to cut and bind the sheaves,
And load with them the nodding wain
Which bears them homeward from the plain.

So God's great mercies thus abound;
His love still brings the seasons round;
His blessings fill our happy fields,
And all our land its increase yields:
So if we serve Him as we should,
Our Lord will give us all things good;
And He who doth the ravens feed
Much more will give us all we need!




*Public Domain

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"Rejoice in the Lord alway: and again I say, rejoice. Let your moderation be known unto all men. The Lord is at hand. Be careful for nothing; but in every thing by prayer and supplication with thanksgiving let your requests be made known unto God. And the peace of God, which passeth all understanding, shall keep your hearts and minds through Christ Jesus." Philippians 4:4-7



Home Schooling on a Shoestring

Home schooling can be expensive, particularly if you are educating more than one child.  To make the most of your resource dollars, consider these helpful tips:

Reuse curriculum by passing it down from child to child. 

Rather than writing in workbooks, allow the child to write the answers in a spiral notebook.

Ask curriculum publishers if photocopying of some materials is permissible.

Purchase curriculum through your local support group's seasonal book exchange or book fair.

Shop at local library thrift stores for reading materials for all age groups.

Borrow books and music resources from your local library.

Buy school supplies such as paper in bulk.

Post a "wanted" ad at the Freecycle Network.


Consider also these helpful resources:

Purchase or read online public domain books at sites such as Project Gutenberg, Christian Classics Ethereal Library, Baldwin Project, or the Evangelical Christian Library.

Here are free math materials at Homeschool Math.

Check out used home school curriculum web sites such as:  Homeschool Classifieds  Used Homeschool Curriculum  Used Homeschool Books  The Back Pack  The HSLDA Curriculum Market




To learn more about homeschooling please contact me!  

TRY OUT THESE HELPFUL PRODUCTS! >>>Just click on the logo to go directly to the site.



Purchase Christian Homeschool Curriculum and online courses for families who want to teach a Biblical worldview to their children. 

TRY OUT THESE HELPFUL PRODUCTS! >>>Just click on the logos to go directly to the site.

Homeschool Tracker

This is a wonderful free downloadable program for all your record keeping needs!  I have used it successfully for years!

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Honor the Lord with thy substance, and with the first fruits of all thine increase: so shall thy barns be filled with plenty, and thy presses shall burst out with new wine." Proverbs 3:9-10




"How we need to pray, "Lord, increase our faith," until doubt is gone, and implicit trust claims the promised blessings, as its very own." - Edward McKendree Bounds



Bounds, E. M.  "Book One:  The Necessity of Prayer."  The Complete Works of E. M. Bounds On Prayer.    Grand Rapids:  Baker Book House, 2000.  26.


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"The liberal soul shall be made fat:  and he that watereth shall be watered also himself." Proverbs 11:25



"And having food and raiment let us be therewith content." I Timothy 6:6  


Click on the links to go to the recipe or scroll down.

 Squash Soup

Pumpkin Cake with Cream Cheese Frosting

Oven Beef Stew



"Hear, and understand:  Not that which goeth into the mouth defileth a man; but that which cometh out of the mouth, this defileth a man."  Matthew 15:10-11



* More recipes can be found at Free Recipes or Free Cooking Recipes.

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8 zucchini squash

8 yellow squash

1 quart chicken broth

1 tablespoon Lawry's Seasoned Salt

2 cups half & half

1 tablespoon lemon pepper

1 tablespoon Krazy salt

Slice unpeeled squash thin and cook until soft in chicken broth. Put in blender or food processor and blend until smooth. Add half & half and seasonings. Heat until it reaches 140 degrees or serving temperature.


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2 cups sugar

4 eggs

1 cup oil

2 cups flour

2 teaspoons soda

2 teaspoons cinnamon

1/2 teaspoon salt

2 cups canned pumpkin

Combine dry ingredients in separate bowl. Beat sugar and eggs together until well blended. Add oil. Add dry ingredients a little at a time until all has been added. Add pumpkin and mix well. Pour into well-greased 9" tube pan. Bake at 350 degrees for approximately 55 minutes. Let cake stand ten minutes then turn out on rack to cool.


3 ounces cream cheese

1 stick butter

1 pound box powdered sugar

1 teaspoon vanilla

Bring cream cheese and butter almost to room temperature to soften for easy beating. Add all ingredients to mixing bowl. Beat until smooth. Frost cooled cake.


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2 pounds beef stew, cut into 1" chunks

1 onion, sliced

1 small can mushrooms, drained

2 cups diced carrots

4 cups diced potatoes

2 cups beef broth

3 tablespoon minute tapioca

2 tablespoons vinegar

salt and pepper to taste

Combine all ingredients in baking dish. Cover and bake at 300 degrees for approximately four hours.


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"He that tilleth his land shall have plenty of bread:  but he that followeth after vain persons shall have poverty enough."  Proverbs 28:19

TIP OF THE MONTH - Food Storage Tips

Freeze flour to kill any bugs then store in freezer bag.

To keep can goods rotated... Place newly purchased can goods at the back of the shelf moving older ones forward, or divide shelf into two sections, always keeping one section empty to hold newly purchased can goods. Select from one side of shelf only until cans are used.

Using black marker, write date of purchase on can goods if you plan long term storage.

Check out these recipes (some are gluten free) at Frugal Food Storage Recipe & Article Index.


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Thank you and God bless you!