Tag Archives: black-prosperity

Do you borrow money to maintain a lifestyle above your means?

Walking in God’s Favor: Owe no man anything, but to love one another: for he that loveth another hath  fulfilled the law. Roman 13:8 KJV

Creating Wealth Starts By Eliminating All Possible Debts

We believe overcoming financial bondage is one of the greatest struggles for those of you seeking financial freedom. Many of  you only dream of saving money. In many instances you do not experience financial health because you are trying to borrow yourselves into wealth. You want to look rich to cover your raggedness. You desire to appear prosperous to hide your poverty. You feel that wealth can heal your wounds.

Some People Go Into Debt, Just To Keep Up With People Already In Debt

Many of you do not see anything wrong with living in debt. The more you can borrow the better. We didn’t either at first; just like the story of the frog . I’m told if you put a frog in a pot of water on a stove with no lid, and gradually turn up the heat, the frog will remain in the pot until it is cooked alive, even though the frog has the ability to easily jump out of the pot at anytime.

Initially we felt debt was a good thing; just a financial tool. It allowed us to obtain things we felt we needed  now and we could pay for it later….WOW! That sounded like a good deal… Just like when the serpent lied to Eve in the Garden of Eden. He told Eve if she ate of the tree of good and evil she would not “surely die”. Listen to me people, if you play with snakes you will get bitten.

The Borrower Is A Slave To The Lender

Debt has been successfully marketed by banks and financial institutions in the United States as your pathway to prosperity. As a result, many of you have found yourselves in financial bondage with little or no hope of ever experiencing financial freedom again.

You are invited to listen with our SOW Community to our Facebook LIVE Stream Sunday 3pm November 16th 2025. Our empowerment session will center a round life lessons for saving money, creating wealth, and developing financial discipline.

Prayer of Blessing: Lord, give us the desire to live debt-free.

Michael J. Vance is the founder of Stewardship Of Wealth.com and a financial & benefit-risk manager with Hundley Batts & Associates Insurance Agency   Ardella Vance volunteers her time, talents, and financial resources to causes she is passionate about. She is a gifted educator and a Master Guide in the Pathfinders Club, a global organization empowered to teach life and leadership skills to young people. The Vance’s have been married over 4 decades and share their lives with four adult children and ten grandchildren. They currently reside in one of fast growing economies in the United States the “Rocket City” Huntsville Alabama, and blog from their Stewardship Of Wealth financial guide “Changing Your Family Tree”.

Do You Believe It’s Okay for You To Become Wealthy?

Walking in God’s Favor: Beloved, I wish above all things that thou mayest prosper and be in health even as thy soul prospereth and be in health. III John 1:2 KJ

Finding Your “Why”

In his book titled The Reallionaire , Farah Gray, a young African-American man who went from public assistance to become a millionaire by the age of 14, says a reallionaire (a word he created) is someone who has discovered that there is more to money than having money. Understanding that stewardship of wealth is not just about being rich in your pocket-book, but realizing you have to be rich inside too.

I believe and agree with Farah Gray that wealth starts on the inside with a certain way of thinking. It begins with the belief system that governs how we relate to money. There are certain ways of thinking that can help you increase your financial wealth.

Three Steps to Financial Wealth

The first way of thinking is to stop trying to act rich. ” Live Within Your Means.” Living to impress others will only cost you. In the long run trying to keep up with the Jones will eventually result in financial pain and bring you down. Some people who appear to be living prosperous lives, in many instances are in debt up to their eyes balls and have mortgaged their future.

The second way of thinking is to start living on a budget. Spend your money on paper and on purpose before the month begins. Give your money a mission. If you dream of becoming wealthy, create a financial plan to get there. Write it down and look at it often. Remember a dream without a plan is just a hallucination.

The third and final way of thinking that can help you increase your financial wealth is to start counting your blessings. You are wonderfully made in God’s image. If you have life and health, you are blessed. If you have a family and friends, you are blessed. If you have a personal relationship with Christ, you truly are blessed. Learn to be thankful for what you have right now.

Until You Give Your Best, You Will Never Know Your Potential

How we plan for our future, take advantage of opportunities and how we spend our money all begin inside with our thinking. What do you want to become? What do you want to accomplish? What do you want to obtain? Remember, our thoughts direct our actions or inaction. You have the ability to become a better steward of your wealth.

Prayer of Blessing: Lord help us to become wise stewards of our time, talents & money.

Michael J. Vance is the financial & benefit risk manager with Hundley Batts & Associates Insurance Agency . Ardella Vance volunteers her time, talents, and financial resources to causes she is passionate  about. She is a gifted educator and a Master Guide in the Pathfinders Club, a global organization empowered to teach life and leadership skills to young people. The Vance’s have been married over 40 years and share their lives with four adult children and ten exceptional grandchildren. The Vance’s blog from their workbook “Stewardship Of Wealth: 8 Life Lessons That Can Change Your Family Tree”.