Peace. In a world full of fear about the coronavirus pandemic, we could all use more peace. Philippians 4:6-7 says, “Be anxious for nothing, but in everything by prayer and supplication, with thanksgiving, let your requests be made known to God; and the peace of God, which surpasses all understanding, will guard your hearts and minds through Christ Jesus.” Instead of being anxious about what could happen, I have to pray to God with thanksgiving. Then His peace protects my heart and mind.

Thanksgiving is the key to peace in this passage. When we choose to focus on the good things instead of the bad, the focus moves to God’s ability and His provision. Thankfulness is a spiritual weapon that changes the atmosphere and allows God to pierce through our worries.
Here’s some questions that address anxieties I imagine many of us face during these strange times. Praising God and holding to His word will get us through the days ahead.

What if I can’t handle social distancing and get really lonely?

Social distancing is an extrovert’s worst nightmare. I get my energy from being around people, so this is a real concern. Instead of stressing over potential loneliness, I can thank God for promising to never leave me nor forsake me (Hebrews 13:5). I can praise God for modern technology like Skype and Zoom that allow my church and Bible study to meet online. I can hand write cards to friends in other cities. I can call a friend who lives in another time zone with whom I don’t get to talk often. God will not leave me isolated. I just have to ask Him to reveal to me new ways to show His love to others.

How will I pay the bills?

Many people are being told not to come into work. We have to shelter in place to flatten the curve so fewer people get the coronavirus. For the millions of people in the United States who are paid hourly wages, this hit can be scary. Matthew 6:31-33 says, “Therefore do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ For after all these things the Gentiles seek. For your heavenly Father knows that you need all these things. But seek first the kingdom of God and His righteousness, and all these things shall be added to you.”

God knows we worry about our needs because we are human. Earlier in Matthew 6, God points out that He feeds the sparrows and clothes the lilies. Because we are worth much more than the birds and flowers, God will care for us. He knows our needs and will make a way to get us through this season. There may be difficulties, but we aren’t to doubt God. We look to Him as our Jehovah Jireh, Our Provider. If the Lord provided ravens to feed Elijah by a stream (1 Kings 17:1-6), when we seek His kingdom first, He will feed us too.

What if I run out of toilet paper?

While I cannot control that I didn’t buy toilet paper fast enough, I can thank God for the toilet paper I do own. I might have listened to the voice of panic instead of the voice of the Provider when I realized I only had two rolls left. Four stores and no toilet paper later, God reminded me I had friends. He would meet my needs. I think of the widow whose oil did not run out as she helped Elijah (1 Kings 17:8-16). I serve a God of miracles. If I don’t have enough toilet paper, He can make it last indefinitely. Worry won’t add one sheet of toilet paper to my roll, but trusting God can help it stretch until more becomes available. The Lord cares about every aspect of our lives, even toilet paper.

Though we live in uncertain times, we can be certain that God’s mercy endures forever. The hand of the Almighty is not shortened. The same God who laid the foundation of the world will see us through until He calls us home to heaven (Philippians 1:6). Find things to thank God for during this flu season. Ask Him for His perspective on your situation. Choose to grow deeper in Your trust in the Lord instead of allowing fear to consume you. Then walk in peace.

• What things are you thankful for in this season?
• What new ways have you found to interact with people?
• What verses comfort you during this time?

This week I am sharing my friend Sallyann's blog where she ends with a 14-day prayer challenge to combat COVID-19. She asked me to join, and of course I agreed! Because I am adding a link to her blog, I moved the challenge up front on my website. Starting tomorrow, WILL YOU COMMIT TO PRAY FOR THIS WORLD everyday at 12 pm EDT (or anywhere in the world you are located)? If so, please leave a “YES, I’m praying” comment, and I’ll post a reminder each day on Twitter/Facebook. (She is posting reminders on Instagram too.) Prayer is the most powerful way we can fight coronavirus as God can do what we cannot. Please join in the prayer battle!

Praying Life Our Lives Depend On It

Right now, it seems that the only safe places are in our homes or out on a hiking trail where the air is fresh and the people are few. Coronavirus (COVID-19) has hit our country and the world in unprecedented ways that most of us have never experienced in our lifetime. In recent days, international travel restrictions have been put in place, non-essential travel across the Canadian and Mexican borders has been restricted and many states have enacted “statewide stay at home orders” and “closure of all non-essential retail business.” Needless to say, this feels somewhat like being trapped in a movie where the world is ending.

I can become emotionally ragged if I’m not careful. The cares of life toss me to and fro, battering me into the ground. I swing between trying to shove everything down and bursting into tears. When I examine my emotions as I go instead of letting them build, I can better manage my feelings and obey God’s call for my life.  

Here are some of my top picks to help process my thoughts and be emotionally healthy:

1. Prayer Journal. One of my favorite outlets to gain emotional renewal is journaling. Psalm 62:8 says, “Trust in Him at all times, you people; Pour out your heart before Him; God is a refuge for us. Selah” (NKJV). When I journal, I pour out all my fears, failures, worries, and woes onto the page. The act of writing them down makes them more manageable because they aren’t swirling around in my head. I lay my hurts before the Lord and listen for His response. He reminds me that He shades me from the blasts of heat that threaten to destroy me (Isaiah 4:6).
2. Read the Psalms. When I need to see God’s grace and provision, I delve deep into the psalms. David knew angst and wasn’t afraid to tell God about his anxieties. He hid in caves and fled from Saul who kept trying to kill him. When enemies threaten to destroy me, I strengthen myself with verses like Psalm 27:1, “The Lord is my light and my salvation; Whom shall I fear? The Lord is the strength of my life; Of whom shall I be afraid?” (NKJV). God fights my battles and will triumph over my enemies. My job is to worship and rest in His strength.
   
3. Laugh. Laughter can loosen the grip of stress on the heart. When I am down, I watch sitcoms from the 80s and early 90s that make me laugh. Scientists say that even if you have to force yourself to laugh, it leads to real laughter. Proverbs 17:22 says, “A merry heart doeth good like a medicine: but a broken spirit drieth the bones” (KJV). Laughter is healthy. It releases endorphins, helps circulate blood around the body, reduces stress hormones, and relaxes our bodies. Broken spirits can lead to physical ailments. Take time to enjoy a healthy laugh today.
   
4. Cry. Yes, I list crying right after laughing. Both have benefits. Crying releases some of the toxins associated with stress from the body, and crying for a long time releases endorphins that help dull pain. Psalm 126:6 says, “He who continually goes forth weeping, Bearing seed for sowing, Shall doubtless come again with rejoicing, Bringing his sheaves with him” (NKJV). When we weep, we have a choice. We can shrivel up in anger and harden our hearts to never feel pain again, or we can use those tears to water our character and grow patience and trust in the Father. Jesus weeps with us and carries our tears in a bottle. Psalm 30:5, says “For His anger is but for a moment, His favor is for life; Weeping may endure for a night, But joy comes in the morning” (NKJV). It’s okay to cry. This too shall pass.
   

God cares about every aspect of our beings. He knows that emotional health enables us to serve Him from a place of strength. If you need an emotional checkup, God will join you in the journey to renew your soul. Psalm 139:23-25 says, “Search me, O God, and know my heart; Try me, and know my anxieties; And see if there is any wicked way in me, and lead me in the way everlasting” (NKJV). Ask Him to clear out the junk from your heart so it can be filled with His deep love. The Lord will reveal His truths, remove our worries, and renew our emotions so He can use us for His kingdom purposes.  

• Do you routinely examine your emotions or let them run wild?
• What helps you process your emotions?
  
• What outlets will you try this week to renew your spirit?
  

Mental Rests

Facebook. Twitter. YouTube. Netflix. The average American in 2015 took in 34 GB of information every day. That’s 100,000 words! My mind hurts just thinking about it.

Because of the deluge of data, our brains are becoming overloaded. We spend so much time trying to focus that we can’t. Our minds can only process so much at once. Though it may sound counterintuitive, to focus better, it helps to take regular mental rests. Taking breaks from thinking frees up space so the brain can think creatively. We need to erase the junk and clear our minds so we can process what is important to dwell on.

Personally, trying to tear myself away from my desk is difficult. Putting alerts on my calendar at work to pop up and remind me to give my mind a breather has helped me refocus. I am not recommending scrolling the internet all day or streaming movies on YouTube when it’s time to work. We need to do everything to the glory of God (1 Corinthians 10:31). But when we take the time to mentally unwind, we don’t hit tunnel vision where creativity and productivity end. Instead, stand up and stretch. This can be invigorating as it gets blood (and thoughts) flowing again.

Other suggestions for mental rests include:

• Go outside. Let fresh air enter your lungs as you breathe in vibrancy.
  
• Walk. If you can’t get outside, head to a bathroom that’s far from your office.
  
• Doodle. Drawing in the margins of paper allows the edges of our brain to think creatively.
  
• Chat. Take a few minutes with a colleague to talk about the movie you enjoyed last week.
  

These breaks don’t have to be long. Five to ten minutes is fine. But the little space you give opens the door to mental renewal.

Mental Resets

Not only do we need to rest our minds, we also need to conduct regular mental resets. Mark 12:30 says, “And you shall love the Lord your God with all your heart, with all your soul, with all your mind, and with all your strength.’ This is the first commandment” (NKJV). We are supposed to love the Lord with all of our mind. If we aren’t aware of our thoughts, how can we love God with our minds? 

Every morning I recite Psalm 19:14, “Let the words of my mouth and the meditation of my heart be acceptable in Your sight, O Lord, my strength and my Redeemer” (NKJV). When the deep thoughts inside me please God, the things that come out of my mouth will also honor God.

I’ve learned that instead of letting my thoughts stream freely, I must slow them down and inspect them. 2 Corinthians 10:5 says, “Casting down arguments and every high thing that exalts itself against the knowledge of God, bringing every thought into captivity to the obedience of Christ” (NKJV). The enemy inserts evil thoughts into my mind. If I am not attentive, those thoughts will take root and choke out the truth. When I examine my thoughts, I can determine if they match God’s Word. If they don’t, my job is to uproot them like a weed, and replace them with truths from the Bible.

I am growing in how I love the Lord with my mind. Through His strength, I am stepping away from the onslaught of information to clear my head, and taking my thoughts captive to the obedience of Christ. No matter how much data enters, if it doesn’t match Scriptures, I need to delete it. I pray our minds conform to the mind of Christ each and every day.  

• What types of mental rests will you try this week?
  
• Is it easy for you to reset your thoughts? What works best for you?
  

This week I had the honor to guest blog for College and Clayton Press. A recent bought with the flu forced me to slow down and reflect on Biblical rest.

Below is an exert from the blog and a link to the rest of the article:

Last week, the flu gave me an unexpected gift. The nurse advised that sleep and fluids were the two most important things I could do to recover. Six days of sickness had reduced me to cough drops and herbal tea. 

While asking God to heal me, God reminded me that rest is part of His plan. I live in a big city where if you aren’t Type A, you may not survive. Everyone is expected to be busy. If you aren’t, you are labeled lazy. To try to keep up, I have been going and going like the energizer bunny. God, however, wanted me to slow down. I had already hurt my foot and been walking slower, but apparently, I needed to halt.

After receiving stitches for my dog bite, the nurse gave me special footwear. The ugly black shoe extended past my toes and was built to fit either foot. A thick flat base prevented me from rolling my foot and opening the stitches. The top opened with two sets of Velcro to ease pressure on the wound and allow me to get in and out of the shoe. It wasn’t as clunky as the medical boots, but still marked me as the walking wounded.

Upon returning to work, I was amazed at how many people stopped to empathize. At first, I thought the shoe was giving me away. Then I realized my slug’s pace was another clue. Apparently, many people had experienced foot or leg problems and remembered their trials. Once I chatted with three strangers in a hallway, all of us with leg issues. We shared our struggles with mobility and encouraged each other.

Their comforting words kept me going. Because they were in the same predicament, they knew my difficulties. If they could do it, so could I.

2 Corinthians 1:3-4 NKJV says, “Blessed be the God and Father of our Lord Jesus Christ, the Father of mercies and God of all comfort, who comforts us in all our tribulation, that we may be able to comfort those who are in any trouble, with the comfort with which we ourselves are comforted by God.”

God comforts us in our hard times. Yet, this verse points out an interesting reason as to why He comforts us. So that when others are troubled, we can extend to them the same comfort we received from the Lord. We aren’t to hoard our comfort, but empathize with others and seek to help them. Even the areas where we feel entitled to be selfish are really to point the glory back to God.

In high school, I dropped a moving ramp on my other foot and tore the tendon to my big toe. The doctor gave me emergency foot surgery that day, and I later had to go under anesthesia at the hospital for them to fix it. I started high school on crutches, enduring raw skin under my arms and gaining uneven leg muscles. Ever afterwards I tried to hold doors for people on crutches and extend empathy when possible. It helps to have a recent reminder to care for others.

God knows that down the road, someone will need our help. If we have walked a similar path ourselves and survived, we are better equipped to encourage them. Those people can gain strength to continue because they know others have gone before them. God doesn’t waste our hurt, but transforms it into something marvelous for His glory.

While I still find the black shoe ugly, I know the empathy I’ve gained from wearing it will make me more beautiful inside. And with large scars now on both feet, I may never win any beauty contests. However, I pray for beautiful feet that will carry the gospel and love of Christ wherever He leads me.

• When was a time you received empathy? How did you feel?
  
• Who can you show empathy to this week? Ask God to share with you the person who needs your encouragement most.
  

Guest Blogger: This week, I am blessed to have my friend April Estes guest blog for me. We met at the first writers conference I ever attended and connected instantly. We literally shut down the party as we were the last ones in the lobby at 11 pm the first night. She just published her first book The Pearl of Great Price.  The book explores the struggles Christians have to stay strong in our marriages in a very genuine and relatable way. I thoroughly enjoyed her book! Here she shares a lesson on love from one of the scenes.

That's Love

I’ve recently published a book, The Pearl of Great Price. In the book there is a touching scene between the main character, Lacey, and her grandfather. Lacey had just suffered a break-up, and tearfully bemoaned to her grandfather how she had made a fool of herself, “jumping in full force into a relationship with no guarantees of any kind of return” - giving her all without knowing how things would turn out.

“But, sweetie,” the grandfather tenderly says, “That’s what love is. That’s what it does.” (That quote inspired one of my songs that says, “That’s what love is, that’s what it does: jumps full-in at full throttle, just because...”)

You see, love sometimes DOES look ridiculous: it’s a father running to his wayward, prodigal son; a mother placing her son in a watery basket; a queen risking her life for a minority people; the savior of the world coming to save, through death. But that’s what love does: it gives all - not without fear, but in spite of it. It gives everything it’s got with no guarantees, no promise of return.  The Bible says love “isn’t selfish, thinking one’s own self,” but, rather, is “full of hope, believing all things are possible.” (I Cor. 13). So, today, if you’re feeling a bit “ridiculous,” fear not! That’s what love is! That’s what it does!

• When have you chosen to love when it was hard?
• How have you felt God's love for you in tough times?
  

Biography: April Estes was born and raised in middle Tennessee, where she enjoyed growing up in a small, Southern town. She attended Freed-Hardeman University, and graduated Summa Cum Laude from Mississippi State University with an Elementary Education degree. She taught school in Americus, Georgia, before starting a family and moving all around the South USA, homeschooling four children. She enjoys songwriting in her spare time.

Recently, I felt so low that I wanted to crawl under my desk and sob. God’s grace kept me in my seat, and I made it home in one piece physically. Mentally and emotionally, I was torn by painful life circumstances that only seemed to get worse. I called a friend that night to vent and was surprised at the venom spewing from my lips. Something had to change.

My focus was skewed. All I could see were dark stains of heartache, instead of seeking God’s light. I needed to look for joy instead of letting the whirlwind sweep me away. That night I made a top five gratitude list:

• Beautiful sunset
• I turned on the heater
• I’m not homeless
• My warm blanket and sweatshirt
• My friend listened to my hurt

When I examined that list, I realized it held so much of God’s provision in just five items.

First, the sunset displayed God’s splendor. If I only saw the gray cloud surrounding my circumstances, I would’ve missed God's majestic pink and purple masterpiece in the sky that evening. It reminded me that the Almighty Artist was painting my life so that He received glory. The canvas wasn’t complete and needed contrast from shadows.  

Second, third, and fourth, God provided for my basic needs of shelter and clothing. The day before I’d met a homeless woman. She was an alcoholic. Her husband had kicked her out of the house and then sold it. I offered to call her insurance for help, but she wasn’t interested. She took a scarf and blanket as she told me that she slept in a cemetery. My life was amazing by comparison.

Fifth, I had friends to encourage me during my season of darkness. God had not left me alone. My friend graciously let me rant and rage about how I wondered if I was cursed because so many terrible things kept happening. It felt like a game of whack-a-mole, with the large hammer walloping me as soon as I was brave enough to venture out again. I concluded that we live in a fallen world. Even as Christians we are not immune to suffering.

Yet, despite our suffering, we are to praise. 1 Thessalonians 5:16-18 says, “Rejoice always, pray without ceasing, in everything give thanks; for this is the will of God in Christ Jesus for you.” My mom cautioned against using words like always and everything because usually there were exceptions. However, the Bible tells us we are to rejoice always and in everything give thanks. Does this mean I am supposed to be happy about horrible things beyond my control? No. Does this mean that if I look for good in the midst of trouble, I’ll find something to be thankful for? Yes.

Thankfulness is a spiritual weapon that brings peace. Philippians 4:7-8, “Be anxious for nothing, but in everything by prayer and supplication, with thanksgiving, let your requests be made known to God; and the peace of God, which surpasses all understanding, will guard your hearts and minds through Christ Jesus.” When we offer our petitions to the Lord, we come with thanksgiving. Sometimes, maybe all we have to be grateful for is the breath in our lungs. That counts. If you can’t find much, ask God to show you. The list is probably much longer than you imagine.

Another place where Scripture connects the concepts of thankfulness and peace is Colossians 3:15, “And let the peace of God rule in your hearts, to which also you were called in one body; and be thankful.” Since I wrote the gratitude list above, I've prioritized writing what I’m thankful for every night before going to sleep. I’ve even gotten out of bed twice to ensure that I captured my blessings on paper.

The power of gratitude is unstoppable. The process is starting to change how I think. Recently, while commuting to work, I wondered what my list would look like that night. When I started looking for things to be grateful for, I discovered five things was insufficient. My circumstances remain the same, but my peace has multiplied.

Maybe you feel like you are living at the bottom of the pit of despair with no way out. Cry out to Jesus with your petition, and season your prayer with gratitude. I can’t guarantee that your life will miraculously fall into place tomorrow. However, God’s peace will start to rule your spirit. As you enter His gates with thanksgiving in your heart, may His peace be the walls that guard your heart and mind.  

• What is your top five gratitude list for today?
• Have you ever tried to be thankful in difficult circumstances? Was it easy or hard to express thanks? If you managed to show gratitude, how did you feel afterwards?

When I was a little girl, I colored in long strokes with a permanent red marker on my blue bedspread. Eager to show my mom my artistic abilities, I wasn’t prepared for her distress. She apparently saw my masterpiece as a stain to eliminate. The washing machine worked overtime. My mom went through half the bottle of stain remover as she scrubbed it many times until the bedspread was pristine. I never played with red Sharpies again.

Jesus' sacrifice serves as the permanent stain remover for our sins. In the Old Testament, everyone, even the priests, had to continually offer sacrifices of bulls and goats to cover their sins before God. Now we have a different standing with God. Hebrews 10:14 says, “For by one offering He has perfected forever those who are being sanctified” (NKJV). Jesus only had to offer Himself once to make us spotless for eternity.

When He died on the cross, His blood flowed backwards to cover the sins of humanity. Romans 3:24b-26a says, "Christ Jesus, whom God set forth as a propitiation by His blood, through faith, to demonstrate His righteousness, because in His forbearance God had passed over the sins that were previously committed, to demonstrate at the present time His righteousness" (NKJV). God knew His Son Jesus would obey the Father and drink the cup of wrath that we deserved so He passed over those sins for a time. The coming Messiah made it possible for everyone who ever lived to go to heaven. All salvation pivots on the work of the cross where every sin was washed white.

Jesus not only paid for the sins of people in the past, but for our sins on this side of the cross. We can come to the Lord with confidence when we request forgiveness. 1 John 1:9 says, “If we confess our sins, He is faithful and just to forgive us our sins, and to cleanse us from all unrighteousness” (NKJV). We will be restored by the blood of the Lamb when we acknowledge our sins before God. We agree with God that our actions violate His commands. Then we thank God that He has already forgiven us through the finished work of the cross. We hide our lives in Christ so the Father sees His righteousness when He looks on us.

While you’d never wash your clothes in blood, His blood is the only detergent that can cleanse our consciences. Hebrews 10:19-22 says, “Therefore, brethren, having boldness to enter the Holiest by the blood of Jesus, by a new and living way which He consecrated for us, through the veil, that is, His flesh, and having a High Priest over the house of God, let us draw near with a true heart in full assurance of faith, having our hearts sprinkled from an evil conscience and our bodies washed with pure water.” Guilt and shame, once inevitable, are now banished by the blood. We are free to have peace with God.

The cleansing power of the blood encompasses all people, past and present, permanently. Jesus’ gift of laying down His life provides the means to restore our evil minds to an inconceivable purity. I thank Jesus for the stain removing power of His blood to wash me clean from the inside out so I may walk in new life.

• Have you ever felt your sin was too big for God to forgive or had guilt that wouldn't leave?
  
• How does knowing Jesus has already paid for all of your sins change the way you think and live?
  

Have you ever considered getting an accountability partner, but had no idea what to discuss? This practical checklist covers physical, mental, emotional, spiritual, and financial questions you can cover with your accountability partner during monthly meetings. It is not exhaustive, so feel free to add more. You know best which areas are struggles for you and where you need more encouragement.

If you meet with your accountability partner on a monthly basis, I suggest tackling no more than a few goals each month so you don’t get overwhelmed. Sometimes I chose one goal from each area, but other times I need to focus on a specific category more than others. That works. You drive where you need to grow so that you get the most from the experience.  

Physical Goals:                                                                                                   

• How are your exercise habits? What one area do you want to focus on over the next month? How can I hold you accountable?
  
• What types of activities would help you be more active—hiking, biking, joining a sports team?
  
• How are you eating habits? Is there any area of your diet that you want to improve?
  
• Are you getting enough water? Remember the body is primarily water. What practical steps can you take to drink more water?
  
• How are your sleeping habits? What can you do to give priority to getting good sleep? Do you need to give up TV, screen-time, wine, or exercise before bed?
  
• How do you deal with stress? Do you have a healthy outlet to release stress? Some people exercise, dance, color, or cry. Find something that works well for you.
  

Mental Goals:

• What things are you doing to challenge yourself to grow mentally?
  
• Are there any new languages you want to learn? What will you do to learn them?
  
• Are there any types of continuous education classes you want to take? Look into your local county or community college and see what they offer.
  
• How is your outlook on life? Are you glass half full or half empty? What can you do to see the world with a more positive perspective?  
  
• How do you find mental rest? Is it physical sleep, reading a good book, a crossword puzzle, or something else? What are you doing to pursue mental rest?
  

Emotional Goals:

• How are your family relationships? What can you do to be a better family member?
• How are your friendships? Are they helping you stir up love and good works in your life?
• How are your relationships with your coworkers? How can you help your colleagues?
  
• How can you seek ways to encourage your family members, friends, and associates?
  
• Is there anyone you are holding a grudge against? Remember that unforgiveness is like stabbing yourself and thinking the other person will bleed. Choose to forgive them and then work through the feelings.
  
• Do you journal? If so, how often? Is that something you would want to do as an outlet to sort through situations?
  
• What ways are you volunteering or otherwise giving back to your community?
  
• What other emotions are plaguing you—fear, anxiety, anger, hurt, etc.? How can you work through those emotions and find freedom and peace in Christ? Sometimes just talking about the issue can be cathartic.  
  

 
Spiritual Goals:

• Have you written a personal mission statement? If not, consider doing so.
  
• What do you believe God wants you to do?
  
• How is your Bible reading?
  
• How is your prayer life?
  
• Are you ensuring you get regular fellowship with other believers?  
  
• Do you keep a regular gratitude list?
  
• How are you actively seeking to grow in Christ?
  
• Are you praying for the gospel to spread and for God’s kingdom to come? What are you doing to make that happen?
  
• Do you have any sins or bad habits that you are struggling with? How can we bring them to light to help shrivel the enemy’s stronghold in that area? Seek verses that address that issue to replace lies with truth.
  
• What are you doing to pursue Biblical rest?
  

 
Financial Goals:

• How are your spending habits?
• Do you have debt? If so, what are you doing to pay down the debt?
• What are you doing to monitor your budget and use money wisely?
• Do you have any financial bad habits like gambling or binge shopping that are eroding your financial stability?
• Are you saving for emergencies? Are you planning for your near-term and long-term financial future?
  
• Are you tithing and giving generously with a cheerful heart?
  

What other things would you add? Please post your suggestions below. Thanks!