Prayer for Our Marriage

Prayer for Marriage
Father we thank you for our marriages. We thank you because you have put us together for the glory of your name. May we glorify you in our marriages this year. I pray that every husband will stand in his position as the head of the home, and do all that you have required of him as a husband.

I pray for every married woman represented here Lord. I pray that she too will take her position as a helper and do all that is required of her in accordance with your word in Jesus name.

I pray that couples will communicate better this year. That they will submit one to another, using the wisdom given to each one to build their marriage and their family. Increase in them love and honor for one another. Cause them to have a deep understanding of their spouse so that they can fit into each others lives with ease.

I pray for a spirit of humility so that they will repent to one another and forgive each other quickly and easily. Help them to live together with understanding and consideration, each one considering the other to be better than themselves. Help couples to put each other first, to rebuke and reject any outside influence that comes to cause chaos in the union, and to sift through all advice given so that they take the good and leave the bad.

Show each person their mistakes, and give them the grace to work on themselves to bring change. In Jesus name I rebuke and reject every spirit of strife, discord, and unforgiveness in my marriage and ask that Jesus be Lord of this marriage now and forever more.

We look forward to a wonderful year 2019, building our marriages on the rock, and becoming stronger and closer as a couple. In Jesus name I pray, Amen!

Guided by Nungari 

Are You In a Relationship RED FLAGS are here ....DO NOT IGNORE THEM

Are You In a Relationship RED FLAGS
 are here ....DO NOT IGNORE THEM

1. Lies
2. Anger control..outbursts
3. Violence
4. Lack of interest in your baby or babies
5. Crossing agreed  boundaries
6. Lack of basic courtesy
7. Unhealed emotional wounds
9. Never goes to (known) church
10. Reluctance to know his family or people
11. No idea where he works or lives
12. Talks ill or parents or relatives
13. Fishy background
14. Doesn't honour promises
15. Impatient
16. Brags and is proud..talks big of who he or she meets
17. Mean and hardly spends on you
18. Borrows money and never refunds
19. Disappears like an angel only to appear days or weeks later with explanations
20. Lies on academic or other qualifications or where they went to school
21. Mama's boy
22. Entertains exes and explains why s/he does that
23. Not polite to others eg cleaners or waiters
24. Evasive on questions
25. Busy all the time
26. Incompatible values
27. Insecure by your success
28. Violent on your kids
29. S/He never starts any communication you're the one who has to look for him or her
30. Manipulative
31. Blames you for his or her mistakes
32. Drama king or queen
33. Avoids being seen with you
34. Assumes so many things
35. Walks away to pick calls
36. His or her gadgets are a no go zone
37. Possessive and never wants to see you with anyone else
38. Threatens
39. Many friends of the opposite sex
40. Demands you go cook or clean to prove you're wife material.

FINANCIAL ADVICE 2019

FINANCIAL ADVICE

What can you do to reduce financial strain? A financial expert Dr Paul Kibicho advises.

1.       Choose sacco savings instead of bank

Why, you ask?

A.) When you take a loan from a Sacco, you are still saving, and you are still receiving dividends every year. If you take a loan with a bank, by the time you are paying it back, you will have no savings and you will pay interest on top of it with no residual value.

B.) When saving with a co-operative, they pay a benevolent fund if you die. They pay a certain amount for the funeral. The loan is also waived, but in addition to that, your family is given the amount of money equal two times the number of shares you had with them. The people you nominated will be given money according to the percentages you had indicated.

C.) You can also go for an emergency loan or a school fees loan that is cost friendly. They charge one per cent interest per month, at a reducing balance.
D.) While banks ask for a loan collateral like a title, share certificate or log book of your car , saccos only ask for guarantors.

2. Re-consider your school fees paying method

You do not have to pay school fees termly. Visit the school and negotiate with the principal so that you can agree on paying monthly instead of at the beginning of every term. You can also have an education fund for your children. There are institutions that take care of this. In my case, I have already paid my children’s school fees up to form four, so I will never have to have a funds drive in case of anything. By the end of it you may actually get a refund of some of your money, like I was given a refund of Sh19,000 when my daughter finished school at Limuru Girls and another refund of Sh22,000 when she finished school at Daystar University.

3. Other than savings, have an emergency fund

It is better to have an umbrella you do not require, than to require an umbrella you do not have. Anything can happen, especially on a single income. Access to medical care in Kenya is very expensive. If you get sick and require to be admitted to the Intensive Care Unit or High Dependency Unit for example, the minimum deposit just for admission is Sh400,000. You need to have a medical scheme, or at the very least be under the National health Insurance Fund (NHIF). It has been repackaged to cater for treatment even abroad and their premiums are pocket-friendly.

4.       Significantly tame your bills

Want ideas?

Small things like leaving your lights on and powering luxury appliances means having an extra unnecessary expenditure. Avoid having ‘extra’ people in your house. You should not have a comfortable guest room. In fact, it should have a very thin mattress so that they are not tempted to stay more than one night. Guests are an extra expense.

If you have to take your family for a holiday, go during the lowest seasons. You can find accommodation in Mombasa that goes for Sh30,000 per night going for as low as Sh6,000 per night. Avoid competition with others in life. Do not keep moving homes.

Avoid renting if you can. It is better to be going to work  from your own house in Kamulu than from a rented home in Runda.

Do not rack up your phone charges by talking on the phone unnecessarily. Don’t call everyone back.

Avoid impulse buying. Carry a shopping list and stick to it religiously because it controls your buying behaviour.

5.       You must have life insurance

On a single income, only one person is the breadwinner. If that person dies, if they had life insurance, that insurance replaces the income that the breadwinner was bringing in for the family members. Without it, your family will be left in a very dire situation.

6.      Create extra income

Robert Kiyosaki says, “It is more important to grow your income than cut your expenses. It’s more important to grow your spirit that cut your dreams.” The greatest disservice you can do to yourself is to continue relying on that one source of income. What if it, too, suddenly gets cut off? Where does that leave you? Only poor people oversleep. If you go on the road at 4AM you will see Prados, Landcruisers, and other big cars. At 6AM is when you start seeing the Proboxes and Vitzes. That should show you how early wealthy people wake up. When did you last see Bob Collymore trapped in traffic? If you have an 8 to 5 job, what are you doing between 6 and 8? Do poultry rearing, get a dairy cow – anything it takes to get an extra income during your extra hours.

7.       Utilise your energy levels

Between the age of 0 to 25, you were a non-producer but a consumer and were taken care of by your parents.

Between 25 to 60, you become a producer, by earning your own living, but you are still a consumer. Because your energy levels are high, this should be your prime earning time, but most people consider it their prime eating time. This is also when you have added responsibility due to marriage. Between 60 to 100, you become a non-producer but you are still a consumer. A wise person would be relying on the investments they had made during their prime earning time and not their children. Have retirement plans  for your old age.

8.       Manage your debts

Do not keep borrowing without a plan. Let the money you borrow go to its intended purpose immediately. Do not keep it in the bank. When you do this, needs arise and you end up using it for those needs. Only have debts that have meaningful consumption. Do not take loans for home improvement. That is a want, not a need.

9.   Be open about your earnings

Many people hide their payslips from their non-working spouses, which is a recipe for familial disaster. Show your spouse what you earn to avoid domestic problems, failure to which can mean spending more money down the road as you try to resolve problems between you. Being open about your earnings also means being honest if you cannot afford some of the family’s wants (not needs). Do not take debt to cover unnecessary costs. Living on debt means that you are treading on water, and this means that you will eventually sink and drown.  Spend wisely and spend less than you earn.

Truly A Happy New Year 2019

CITAM VALLEY ROAD
THE YEAR'S THEME:NOT BY MIGHT NOR BY POWER BUT BY THE SPIRIT OF THE LORD

NEW YEAR'S MESSAGE 2019

SEVEN WAYS TO HAPPINESS

Bishop Dr. David Oginde

A true happy year does not come by one crossing the year. A crossover does not make a happy new year.

So how to truly have a happy new year.
The bible has shows us many ways of enjoying and experiencing  this .

Philippians 4:2-9
1.Release your enemies
2.Reconcile with others
3.Rejoice in the Lord always
4.Respect Everyone
5.Relax
6.Refocus your thinking
7.Redirect your walk


1. RELEASE YOUR ENEMIES
 To enjoy a peaceful life you must release your enemies
One of a sure thing to rob you off your happiness is disagreement.
The closer that person is to you in relationship is worse it becomes.
The faster you release that person and forgive them the better and more you will enjoy the new year. Get rid of any form of anger,bitterness,resentment.

2. RECONCILE WITH YOUR FRIENDS AND RELATIVES
Even if you are not directly involved in the issue you will still not be able to enjoy your year
Reconcile others so that in their  peace you will have peace.
Don't add fuel
Don't take sides be a peace maker.

3. REJOICE IN THE LORD ALWAYS
The secret to enjoy is to rejoice always
The new is going to come with its own challenges but it's rather to take it up with a positive attitude
Psalm 118:24
This is the day that the Lord has made I will rejoice and be glad in it.
It's possible to face each day with joy.
Be places where people are positive, enjoy laughter, laugh.
Why are you disfigured while Jesus face was disfigured on your behalf

4. RESPECT EVERYONE
We are to be gentle with everyone, be kind
Prov 15:1
How you respond to people matters .
You can't enjoy life while you are fighting with everyone around you.
Let your gentleness be seen by Everyone

5. RELAX
DO not be anxious about anything but with prayer and petition let your request be known unto the Lord and the peace of God will guard your heart.
And you will enjoy a happy new year.
Things that Rob us joy are anxiousness and worry

6. REFOCUS YOUR THINKING
Whatever is pure, trust worthy ......
If you consistently see the positive you will be positive the opposite is true
Always be in the positive.
Your perspective to life will determine the kind of  life you will have .
The son of Hannah is called Samuel the sons of Peninah we have no idea.
When the Lord comes through you will have a name

Five ways through which thoughts enter our minds ,  ie touching, seeing, tasting , hearing and smelling but two are very significant seeing and hearing so be careful what you see and hear. They are very powerful.

7. REDIRECT YOUR WALK
Paul says Whatever you have heard or seen, received, learnt put that into practice 
The God of peace will be with you.

Peace brings happiness, when you have peace you can enjoy life.

We have the peace of God and the God of peace .