Joseph was sold into slavery by his brothers and was accused of having an affair with the wife of an Egyptian official.  Consequently, he was put in prison. However, God was with Joseph all along.  After interpreting the Pharaoh’s dream, Joseph rose to power and no one had greater authority except for the Pharaoh himself. Later on, Joseph reunited with his family during the great famine.

From his story, I learned that when struggles come, I have to remain faithful and trust in God’s plan.  I should not blame God for the situations I was placed in.  Meanwhile, I must also use these opportunities to rely on God even more.  Lastly, I need to acknowledge that God already has a plan and will definitely turn a bad situation into a good one.

The E100 Challenge has been a very exciting and interesting activity for me so far. Usually we think of reading the bible as a long process and hard to understand, but through this E100 challenge, we were able to read the essential stories of the bible and go deeper on what is being read. This has helped me and many others grow in Christ and really understand the things we read in the bible; making the experience of reading the bible all the more enjoyable.

In our small groups, we go over the weeks assigned readings, and have very in-depth conversations where we express questions and answers and great insight, deepening our growth and knowledge. I really enjoy this and can not wait to continue this semester!

I grew up as a regular church attender with my family. My mom especially encouraged me in faith by instilling a belief in Jesus and a set of moral principles to follow. Despite all this, I was not a particularly well behaved child. Although my acts of mischief were relatively small, they were still sinful rebellions as I often acted with the knowledge that I was doing something wrong.

I was very afraid of being “sent to hell” as a kid, partially because of the “fire and brimstone” preacher who taught at our church but mostly, I think, because I was keenly aware that my life lacked a relationship with Jesus as a father and redeemer. I knew he was God’s son, that he was perfect and good and that he died for my sins but he was still a distant figure.

Over the summer before I turned 10, I went to a Christian camp where the gospel was of central focus, there I became a true follower of Christ. I had previously used Christianity as a sort of safety net for my fear; I didn’t want to change anything in my life, I certainly had no understanding of the incredible grace of Christ, I simply wanted to avoid hell. Yet Scripture teaches us that God loves us with a perfect love that casts out all fear.

When I truly began to follow Christ, I finally learned that salvation has nothing to do with my attempts to be “good” and everything to do with God’s amazing love. It was through this that Jesus became not the impersonal embodiment of a horrifying and holy standard but instead a friend whose unconditional acceptance I could rely on. I began reading the Bible daily after that. I used to find scripture dull, but I soon had a strong desire to read God’s word [the Bible] and learn from it. I also began to pray daily, and not just for simple requests as before; I began to thank God and praise him. I asked forgiveness for my sins, not out of some fear that I would be pushed away from his presence but out of a repentant heart that longed to please the friend I loved.

Unfortunately, as I grew older I began to lose interest in faith. As my church experienced trials through the loss of a pastor and no ready replacement I drifted away. Instead, I focused on school, various arts and my friends. None of these things were inherently bad but they weren’t my Savior. I hung out with people who challenged my faith and instead of growing stronger, or being a witness I was influenced by them and made some very poor decisions. After my senior year I was very lonely, and I again began to turn to God as the essence and source of life.

Renewed with a sense of purpose I entered college looking for other Christians to befriend and learn from. I was blessed to attend UAlbany, where there are many strong believers. I feel as if I’ve learned so much in the past two years, much of it related to the distressing reality of my own sin. However, I’ve also seen God’s amazing love for me, and all people, and am invigorated just thinking of it. The decision to follow Christ changes your life irrevocably, it is guaranteed to bring hardship ( as any other walk of life is bound to) but the troubles one faces as a Christian are met with the knowledge that Christ has gone before you, and walks with you as well. Christ offers this life of freedom to everyone, regardless of their past, with the all-encompassing love that only a perfect God could offer.

When I was finally out of high school and on my own, I couldn’t wait to live my own independent life. My parents were out of sight and out of mind. I lived a life like a non-believer. I did go to church occasionally but was up late all night partying. I would wake up and go to church the next day with the same clothes I went to the party with. Looking back at it now, I laugh at what a hypocrite I was. I proclaimed to everyone around me that I was a Christian, a follower of Christ but yet when asked who goes out to party the most in my suite, they would all point to me. I am Ashamed and disgusted with that now.

I was living this lifestyle for a while. That was until my church paid for me to go Urbana last winter break. Before going to Urbana, I knew I was living a life that was not led by Christ, but I chose to hide it. I chose to hide all my sins from my fellow Christ followers and especially tried to hide my sins from God.  That worked out for a while until God spoke to me!

During the trip in Urbana, we attended daily workshops. I went with the flow and did whatever everyone around me did. That was until one day, one of my workshops was closed due to too many people for the space provided. So I wandered around and sat down on a couch. I figured I could just sit there until dinner since I didn’t really think I would learn anything anyways. As that chain of thoughts went through my head, I heard a guitar playing. I went towards the room the music was coming from thinking, “I might as well sit in a room with entertainment instead of in silence alone.”

The music was coming from a worship room. I walked in and sat in the back. Everyone around me was either singing their lungs out or crying their eyes out. Either/Or; but nothing in between! When dinner was ready, I walked out of the room as soon as possible. I liked the songs but didn’t like the intense emotions in the room.

Two days later, I was back in the same room. There was this urge in me to go back and sit in there. As I sat down in the same seat, I let the music penetrate me. The lyrics spoke to me in ways I never heard or experienced before! One particular line was “here I am to worship, here I am to bow down, and here I am to say that you’re my God!”

At that point, my head just seemed to automatically bow in prayer; a prayer of confession. A week prior I was as prideful as one could be, and now repeatedly begging God to forgive me!

As I stood up and was about to leave the room, my feet led me to a prayer minister. I tried to walk the other way, but my feet kept doing their own thing. Next thing I knew, I was awkwardly confronted by a prayer minister. “Do you need a prayer?” she asked. I just nodded my head. That was when I started confessing to her about my sins and that I needed her to pray for forgiveness of me. As we prayed, she asked the Holy Spirit to come into me and to speak to me in any way possible. She prayed for me and stopped, she told me to listen for the Holy Spirit.

As I sat in silence, a voice came out from the silence. It said, “I know what you have gone through. I was with you the whole time. If your heart is willing and you are able, I will continue to be with you.”  Almost breaking down in tears, the prayer minister told me she saw an image in her head. It was an image of me walking around the world with a bible in my hand and glowing. My life was changed at this point! She anointed me with oil on my forehead and prayed for me again.

Out of all the famous and wonderful speakers in that huge event, those who flew in from half way around the world, God chose to speak to me in a much smaller environment, in a place that took me by surprise. I thank God for that.

I hope he takes you by surprise and changes your life too. It is the best thing that could ever happen to you!

Besides Co-Leading with CA [Social Coordinator].  I am a Junior majoring in Psychology, and a  Greek and Roman Civilization minor.  In addition, I play on the UAlbany Rugby Team, read books and watch movies with friends in my free time.

I got involved in CA because I wanted to feel closer to God, and learn how to share my faith with others.  I wish that CA would be as popular on Campus one day, as the Varsity sports are.

This model contains 13 of the most important forms that Dave includes in the information in Financial Peace University.  He gives 15 forms with his package, but I have only included what I believe to be the most useful here.

To buy any of his financial products or for a boat-load of information on financial advice from a Christian perspective, check out Dave Ramsey’s site at: www.daveramsey.com

The document is cell-protected so the only cells that can be changed are the cells that are in grey [where you plug in your own information].    As in the other budget excel model, the numbers and information already plugged in to this model are fictitious and there as an illustration

Hope this blesses you and assists you to be the manager of God’s resources that He wants you to be.

It’s a word nobody likes to think about and even less people actually like to do it; but it is imperative to secure financial planning to budget!  Budgeting, or not budgeting, can be the difference in your financial future, but it only works if you do it.

For the Excel geeks among us, I have attached an excel model budget I made up that Kim and I use for our own personal budget both for monthly planning, and it lets us see a whole year at a glance. There are some numbers in the model already just as a visual guide to let you see how this model works.

I have also attached a document that gives some instructions on how to make the best use of the excel model.

It’s our hope that this information is tremendously practical, helpful and useful to you as you begin to plan out the use of the money God has blessed you with. Hope this blesses you.

I got involved with CA because I see a potential in this student group to reach out to the campus with God’s love.  I have already learned a lot about myself and have grown a decent foundation and understanding of the Bible.  I would love to see UA rated #1 most spiritual growth in college!

I wish for CA at UAlbany that so many people would join that we need several lecture halls for each meeting

I became involved in CA because I was looking for a supportive Christian Fellowship that would help me grow in my faith with God.  I hope that when we show our love for the people on this campus that it will reflect the love of Jesus.  I would love it if every persons’ heart on this campus was transformed into a heart for God!