Saved & Saving: What is Peer-to-Peer Lending?

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Have You Ever Been Turned Down for a Bank Loan?

Getting turned down for a bank loan can be disappointing and even embarrassing. But thanks to peer-to-peer lending, your prayers might be answered. Peer-to-peer lending  is one of the newest methods of obtaining a personal or small business loan.

How Does Peer-to-Peer Lending Work?

Unlike traditional loans, peer-to-peer lending also known as P2P lending allows both borrowers and lenders to connect without a financial institution. Peer-to-peer loans are funded by individual investors who are willing to finance your debt. These loans can be used to consolidate credit card debt, pay off medical bills, tax debt, finance automobiles, handle emergencies, start new businesses and more.

 Peer-to-Peer Loan Companies

Two of the main companies that offer peer-to-peer lending are Prosper and the Lending Club.  Their loan amounts range from as little as $1,000 up to $40,000.  Repayment terms are usually between one to five years. Both companies have been in existence for over 10 years and operate pretty much under the same premise, but keep in mind everyone’s needs differ so you may want to compare services.

I’ve tried the Lending Club  with great success and no complaints. Their online application is relatively simple. It usually only takes a few minutes to complete the process.  Once they’ve notified you of approval, funding takes a few days.

How Do Peer-to-Peer Lenders Make Money

So how do they make money? P2P lenders charge origination fees to borrowers and deduct fees from the loan repayments made to investors. Nevertheless, as borrower with peer-to-peer lending you may stand a better chance of getting a “yes”for a loan.

Advantages of Peer-to Peer Loans

  • Applying is easier and faster
  • Criteria for eligibility is lower, first-time borrowers are OK
  • You may be approved even if your credit score is low
  • Fast funding directly to your bank account
  • Low fixed interest rates
  • No hidden fees or charges
  • No penalty for early prepayment
  • Convenient, automated fixed monthly repayment

Application Process

Applying and checking your rate for a peer-to-peer loan will not affect your credit score. The process takes place entirely online, so be prepared to provide your identification documents digitally if required. Approvals usually take no longer than 72 hours.

 

 

 

 

 

 

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W.W.J.D. About Bullying?

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How should Christians respond to bullying? Bullies can be found in schools, at work and even in Church. That was a question I was forced to ask myself after speaking to an 11- year-old child. The majority of my listening audience is made up of adults, but there are children who also are faithful listeners and genuinely enjoy the radio program as well. One of these children is Trinitee, a lively, charming 11-year old who loves gospel music and Jesus. She refers to me as “AUNTY META” which she always writes in all caps, just so I’d know how much she loves me. During one of our online chats about school, she confided that she was being bullied and this wasn’t the first time. But it was MY first time not being totally sure what to say. I was used to counseling adults.

What Do You Say to a Child That is Bullied?

Should I tell her pray? Turn the other cheek? Maybe, go tell Mommy or the teacher? She said “A boy in my classroom said I was ugly.  I told him, I was made in God’s image so I’m beautiful”.  Bravo to her! She did the right thing. She stood up to the bully with the God’s Word.

What Does the Bible Say About Bullying?

Although the word “bully” or “bullying” does not appear in the Bible, the presence of this behavior is evident. The Crucifixion is proof of that.

But what WOULD Jesus do about bullying and how should we go about protecting children in schools that no longer have prayer? And what if you’re an adult who is bullied at work or even at church? What about cyberbullying? How should Christians respond?

TIP:  During the time of the Crucifixion, Jesus did respond to being tormented. He asked his Father to forgive those who treated him cruelly. (Luke 23:34). By showing mercy to others we too can receive mercy for our transgressions.

  •  …because judgment without mercy will be shown to anyone who has not been merciful. Mercy triumphs over judgment – James 2:13 (NIV)

TIP:  Seek God’s wisdom on how to respond to your specific situation. Not all acts of aggression are the same. You certainly will never need a hammer to stop an ant.

  • I will instruct you and teach you in the way you should go; I will counsel you with my loving eye on you – Psalm 32:8 (NIV)

TIP:  Avoid seeking revenge upon your adversaries. This can sometimes be difficult. Human nature says that we should make people the way they’ve made us feel. It is true that hurt people hurt others. The Bible however, says we should treat others the way we desire to be treated, but when others are unkind this can prove difficult or even impossible. But by taking matters into our own hands, we don’t leave room for God to act on our behalf.

  • Do not take revenge, my dear friends, but leave room for God’s wrath, for it is written: “It is mine to avenge; I will repay,” says the Lord – Romans 12:19 (NIV)

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Tye Tribbett, Pastor of the LiVe Church in Orlando, FL is a gospel singer, songwriter, keyboardist and choir director who has won two GRAMMY® Awards, a Soul Train Award, two Dove Awards and three Stellar Awards and….was bullied as a child.

CFU: How would you advise children of the Kingdom to respond to a bully especially since telling on a bully sometimes makes matters worse?

TT:  I think it’s really important that parents are made aware first, sometimes even telling friends can start a small “clique war”! So have an a parent or guardian made aware of the situation is of most importance first.

CFU: How can parents help protect their children from bullies?

TT:  I think regardless of the fearful expectation of a more aggressive retaliation from the bully, I think parents should definitely make the teachers aware of what’s going on,  not to “punish the bully” per say but to keep watch over the child, especially at the times when, as it was told to you, the “bully strikes”. And then once the teacher sees for themselves, the correction is fair and unbiased.

CFU: What should you do if “your” child is the bully?

TT:  Understanding should be the first initiative in dealing with your child being a bully. Find out the root of it, what sparked it and work continues to encourage it. After that aggressive consequences should be instituted to ensure the alignment and discipline of the child’s behavior. I think with these two things in place the child feels loved yet understands that they may need to change some things.

Can You REALLY Afford to Tithe?

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Tithing God’s Way

The real question is… Can you really afford NOT to tithe?

The answer is a resounding NO! Tithing is not about us paying God back for our blessings. The purpose of tithing is to teach us to always put God first and check on our attitudes about the source of our resources. We ought to always recognize God as our sole source of security.  The world however, makes it’s easy to believe that once you’ve made enough money and have purchased enough material things, THEN are you guaranteed a life of security and happiness.  But reality says…not so! Besides, how much  is ever enough? This false sense of thinking is the primary reason so many people today are in debt.

It is however, undeniable that money does allow for more certain conveniences but by tithing you demonstrate your trust in God to provide all of the things you need. Tithing is an opportunity to open up your finances to God to be blessed and increased by declaring that neither money nor material things represent the god in which you worship.

“No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.” (Matthew 6:24)

  • What is the correct way to tithe? The Bible says that we are required to return one-tenth of our earnings to God (Deuteronomy 14:22-29).
  • Does this also include my time and talents?  It may in some cases, depending on how your time and talent are used to contribute to the Kingdom.
  • Should I tithe gross or net of my income? This is an age-old question. Many have said that tithes should be calculated based on gross income or what you’ve made overall before taxes etc.  However, you can check with your own church clergy to confirm.
  •  How does the Church use my money? Churches pay bills the same as secular organizations. As a religious organization they are entitled to certain exemptions however this does not mean that they operate for free. Monies collected oftentimes cover a variety of Church-related expenses. Each Church usually has it’s own record keeping system in place according to their own bylaws.
  • Does this mean tithing just another church fundraiser?  Absolutely not, tithing is an act of obedience as commanded by the Word of God.
  • How can I be sure that my tithes are not helping finance something that doesn’t directly benefit the Church?  What happens with our tithes once we pay them honestly shouldn’t concern us as long as we honor our responsibility as Christians to be obedient to God’s Word regarding tithing.
  • Do my other Church donations count towards tithing?  Tithing is considered to  be ten percent of your total earnings, whatever those earnings may consist of.  In addition, many Churches also collect a general offerings aside from the special tithes which may include donations.

What If I Can’t Afford to Tithe for Financial Reasons? 

Although ten percent may not seem like much when compared to what God provides, many still find themselves struggling with the notion of parting ways with even portion a small portion of our salaries. You are not alone! After all, we all have bills to be paid and neither the landlord nor the electric companies are waiting upon the Lord to deliver on your behalf, They are waiting for YOU to deliver cold hard cash, on time each month.   Just like death and taxes, bills will undoubtedly always be a part of life but despite this ,you can still afford to tithe and it’s a lot easier than many of us would imagine. It does however require discipline and once you learn to adapt healthy attitudes about money then you are the best position ever to be the person God has destined you to be.

God is truly a great provider! He supplies ALL of our needs according to His riches (Philippians 4:19).

ChurchFolksUnited.com will be publishing articles in an ongoing series entitled “Saved & Saving” that will offer you tips and advice from experts to help you budget, save and grow your resources. If there are any topics of specific interest to you, please feel free to reach out with any suggestions: (Meta Washington – ChurchFolksUnited@gmail.com).

I look forward to hearing from you!

 

 

 

 

 

 

 

 

 

2018 National Day of Prayer

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It’s praying time! May 3rd has been designated for this year’s “National Day of Prayer”. The nation will be encouraged to come together and turn to God in prayer and meditation. This year’s theme is UNITY. So how will you commemorate the day? And more importantly, how will prayer fit into your life the rest of the year?

Psalm 5:3 (NIV)  In the morning, Lord, you hear my voice; in the morning I lay my requests before you and wait expectantly.

Having a little talk with Jesus shouldn’t feel like a chore. It is our privilege to be able to carry all of our concerns to God in prayer. Yet maintaining a consistent prayer life can sometimes seem like a challenge.  For those balancing work, school, family and other responsibilities, busyness can turn into a distraction that causes us to lose focus.  Fortunately, there are resources available that can help get your prayer life in order.

Free Prayer Mobile Apps  (iTunes App Store)

  • Echo Prayer – Keep track of your prayers or share prayers with friends, family members or groups. The app reminds you to pray with a “Pray Now” feature with an optional timer.
  • Prayer Guide – Prayers to God – This app provides a selection of prayers based on specific topics and also a variety of Bible inspirations.
  • Prayer As You Go – Daily 10-13 minute prayers, combined with music, scriptures and questions for reflection.
  • PrayerMate – This app allows you to receive prayers daily or select specific prayer categories. Download your favorite prayers for reference and set alarms as needed to schedule prayer times.
  • Pray Prompter -This app acts as a virtual prayer coach by helping you stay focused and by prompting you to pray more on suggesting topics. This app is good for those who are new to prayer practices and provides teachings on the basics of prayer.

Suggested Reading:

Prayer: The Ultimate Conversation – Dr. Charles Stanley

Draw the Circle Study Guide: Taking the 40 Day Prayer Challenge – Mark Patterson

New Morning Mercies: A Daily Gospel Devotional – Paul David Tripp

Lord, Teach Me to Pray for Kids – Janna Arndt

 

 

 

 

 

Using Discernment in Today’s Church

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One late night while watching television, an infomercial came on featuring a very charismatic televangelist. He referred to himself as a prophet and spoke of amazing miracles. Testimonials were given by everyday people who declared they were able to overcome obstacles either by receiving large unexpected amounts of cash or they were cured instantaneously of cancer and other terminal diseases. They all seemed very convincing. Some even held wads of cash while others gave tearful recollections of their lives prior to being healed and all of this good fortune was due in no small part to a tiny vial of liquid known as “Miracle Spring Water”. What’s most amazing is that 71% of the Earth’s surface is covered with water.  Yet somehow, the promoter has made millions of dollars peddling it.

There is a real danger in leaning to our own understanding and it is pretty evident that there certainly is no shortage of false prophets or false doctrines in the world. Herein lies the importance of discernment. 

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“Proverbs 3:5 – Trust the LORD with all your heart and lean not to your own understanding”

Pastor Hart Ramsey is the pastor of Northview Christian Church with locations in Dothan, AL and Atlanta, GA. Here is what he had to say about the topic:

CFU: Pastor Ramsey what comes to your mind when you hear Church people say “we’ve always done it this way”? 
HR: What comes to mind is the word tradition. Tradition does not necessarily mean than an idea or method is right or wrong. It simply means that it was passed down from one generation to the next and has now become their custom. Somewhere along the line, they were told that the way things were done in the past is the only way it should ever be done. The intent is usually right; but it almost always results in stagnation.

CFU: What are a few red flags that signal that a church is operating outside of
God’s realm?
HR: The first thing that usually jumps out is the heart (or spirit) of the leader. If the leader doesn’t see himself as a representative of Jesus, but as a substitute for Jesus, he will be tempted to draw people to himself and not to the Lord. Also every life-giving Church has to be strong in three areas: (1) Sound Doctrine. We must preach a rightly divided Word (2) Make Disciples. We must teach people who Jesus is, what He has done for them, and what He requires of them (3) Maintain a Difference. The basic meaning of the word “holiness” is difference. The Church must be in the world, but not influenced by it. We must have a different flavor and atmosphere about us.

CFU:  How do you go about using discernment when searching for a Church home?
HR: I believe God connects people to the places where they should worship Him. So, when you first visit a church, don’t go in trying to figure out whether or not it’s right for you. Instead, ask the Lord to lead you with His peace. More often than not, modern churches will have lights, excitement, professional music, appealing optics and other interests that are designed to impress and attract people. But “red flag” churches lack depth. They know how to attract but not how to make lasting impact. They can draw you, but they can’t develop or deliver you. So, unless you’re definitely led of the Lord, never join after your first visit. Attend multiple services until you have a definite YES or NO in your spirit. It’s about having complete peace before committing to a Church home. Then once you commit, really COMMIT!

CFU: How can you be sure you are interpreting the Word correctly?
HR: That is a powerful question. The word for “disciple” is also the Greek work for student. Jesus told His followers to make disciples of all nations. He told them to share the Good News with everyone and those who accept it should be instructed into their new life. We are directed to first become learners before we assume to be teachers. That’s what Jesus meant when He said, “Take my yoke upon you and learn of me.” So, I think the answer is that we have to learn to interpret Scripture. The Bible is one continuously unfolding story. When false doctrine creeps into the Church, those who are committed to the learning process can usually discern it. The Holy Spirit will testify in our hearts against false and self-serving teachings. But we must pay attention to Him. We must be continual learners and never presume to “know it all.”

Saved & Saving: Top 5 Tips For Eliminating Debt With Your Tax Refund

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If you are among the nearly 80% of Americans expecting a tax refund, perhaps you may also be wondering how this money can be used to help clear up some debts. Perhaps you own a house or a car? Or maybe you have other reoccurring bills like credit card payments or student loans.

Proverbs 21:5 – Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty

  1. Figure Out Your Debt: Finding out where you stand can be scary, but not knowing can actually be quite costly. Even if your tax refund cannot cover everything, you might be surprised at how much you’ll save in the long run with just one lump sum payment. Use a debt calculator to see how much you can expect to pay over time based on your interest rate with just minimum payments. Then play with the numbers to see exactly how much you can potentially save if you pay just a little more each month.
  2. Create an Action Plan:  First step here will be to sort your bills and organize them by priority. Decide which bills you might be able to pay right away and which bills might benefit you if you pay them off early. Those benefits can either be savings or outright ownership. For example, if you pay off your car note, then the car will be yours. If you pay down the balance on a high interest credit card you will save a substantial amount of money. By using your tax refund to eliminate these debts, you will not only save money but you’ll now have an opportunity to jump-start your future goals of living debt AND stress-free!
  3. Eliminate Costly Debts First:
  • Credit Cards: So why does it make sense to use your tax refund to pay off credit cards? Simple, its in your best INTEREST! The higher the interest rates, the more you’ll pay over time on your purchases, especially if you are only making minimum payments each month. So that means, that the cute Sunday dress or really nice dress shirt you bought on sale for $40 might wind up costing you as much as $150 over time. If cutting your credit balances is your goal this tax season, find out how much you owe each of your creditors. Contact them directly and find out if they can offer you a lower interest rate. This has worked for me in the past. Should you decide to use your tax refund to cover the cost, don’t be tempted to overspend again. As Jesus said “Go and sin no more!”
  • Student Loans:  According to 2018 statistics from Make Lemonade,  there are more than 44 million U.S. borrowers with $1.4 trillion in student loan debt. Combine this with rent, utilities and other living expenses and you may have a recipe for what seems like a never ending debt cycle. Try and get ahead of this and contact your lender to find out if there are any prepayment penalties associated with your loan. If you are able to apply your tax refund as a lump sum payment, not only will you save on interest in the long run but you’ll shorten the length of the loan commitment as well.
  • Mortgage: Using your tax refund to pay down on your mortgage makes sense only if you are able to apply the payment to the principal portion of the loan. Make sure that you let your lender know in advance how to apply your payment, otherwise they may automatically apply it to unpaid interest on the loan. By paying down on your home you’ll not only save a tremendous amount of money in interest charges but you’ll also be able to build equity and own your home sooner.
  • Medical Bills: Health challenges can be sudden and unexpected. Even with insurance coverage, many individuals sometimes find that it may not always fully cover the cost of a hospital stay.  If you receive a bill don’t ignore it. Most people don’t realize that medical debts can appear on your credit report and lower your score as much as 100 points. If you are unable to pay because of financial hardship, be proactive and contact your hospital’s finance division to review your options.  If you are able to cover the bills with your tax refund, then pay it off and consider it one less debt in your name.

4. Create an Emergency Fund: If nothing else, 2017 taught us that disasters can happen. Hurricanes, mudslides, tornadoes, floods and fierce volcanic-like wildfires all dominated last year’s news and this year is gearing up for a possible repeat. Disasters that fall under “Acts of God” are rarely ever covered by home insurers. When such disasters occur, there’s usually little if any time at all to prepare.  Depending on the magnitude of the disaster, survivors generally are blessed just to be able to leave their homes with the clothes on their backs. Nevertheless, an emergency fund can provide much-needed temporary help during these times.  But also keep in mind, natural disasters are not the only unforeseeable life events. Sudden illness, job loss or even divorce can also hinder your ability to pay bills. Typically, three to six months of reserved cash can cushion you and cover basic living expenses until you get back on your feet. Deposit your tax refund to help you advance this goal. Use automated banking if necessary to make prescheduled deposits into a separate account. It’s the easiest way to save. Just set it and forget it!

5. Check Your Money Habits: For some, this might be the hardest part of the process. Being honest with yourself and examining the real reasons why you got into debt in the first place. Whether it was because of impulse shopping or perhaps due to something completely outside of your control. The reality is, that while we may forgive our debtors, debtors rarely ever forgive in return. They just want what you owe. While the road to becoming debt-free might seem like a long haul, rest assured the journey is not without reward.  Learn  how to be a responsible steward over your resources with Author Dave Ramsey’s “The Total Money Makeover: A Proven Plan for Financial Fitness” It is an excellent resource, complete with step-by-step instructions on how to get your financial house in order using Christian principles.

More “Saved & Savings” Tips Coming Soon!

Is Your Church Making You Fat???

No, this isn’t another article celebrating those who are thin. Despite popular opinion, being ultra thin is not for everyone. The subject gained interest soon after I posted a social media poll asking church members to name the various occasions their churches hosted events involving food. The response was overwhelming.  Parishioners across the nation started naming activities like church anniversaries, Pastors anniversaries, friends & family celebrations, bake sales, fish frys, harvest celebrations, cookouts, homegoings AND homecomings just to name a few. Some of the occasions didn’t even official names, they were just simply referred to as 1st or 3rd Sunday meals.

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My personal favorite was a fundraiser my own church made up called “Twelve Tables”.  Each of the twelve tables depicted a month during the year and the theme of course was FOOD! The tables all represented holidays and displayed a virtual cornucopia of delicacies. One ticket, afforded you the opportunity to partake in a year’s worth of meals. July’s table was filled with cookout favorites like ribs, potato salad and burgers, January boasted pig’s feet, collard greens and black-eyed peas then there was November…the grandest of all feasts complete with a full Thanksgiving spread.

What’s Up With All This Food At Church?

One year, during one of these events a church member had fallen ill.  911 was called and an ambulance arrived. When the crew entered the church, they stopped dead in their tracks taken back by the unbelievable sight of wall-to-wall food in our fellowship hall. One of the EMT workers said “It’s wonder no one has had a heart attack in here. What’s up with all of this food???

Great question. What IS up with all of the food at our churches?? Fellowshipping has somehow become synonymous with the Feast of the Lord….LITERALLY!

Churches are increasingly becoming a breeding ground for people slowly digging their own graves with a knife and fork. 

But its not just church members, nationally nearly 38% of adults are obese and approximately 8% are considered extremely obese.  Yet, diet and weight loss procedures have often been a confusing and even daunting task for many. Overall, the goal is not that everyone should be skinny but each individual should strive to maintain a healthy weight range to avoid potential issues such as limited mobility, heart diseases, breathing disorders, diabetes and a host of other preventable ailments.

Here are some stats from U.S. states:

  •  Louisiana, Alabama, West Virginia and Mississippi have the highest adult obesity rates nationally with over 35% of adults who are considered obese. Louisiana being the highest at 36.2%
  • Mississippi has the highest rate of diabetes at 14.7%.
  • West Virginia has the highest rate of hypertension at 41%.

Charles Butler Jr. the founder of the Stellar-nominated gospel group “Charles Butler & Trinity” knows the struggle of weight loss all too well. At his peak weight, he was 499 pounds. But today, with the help of the medical professionals at the Decalo Weight Loss Center in Maryland he has lost 150 lbs and counting within 9 months and without surgery! He also serves as their Brand Ambassador.

The picture below of Charles wearing a suit was taken 2017 on the red carpet at the Stellar Awards. The other picture, again on the Stellar red carpet was taken just last month and really shows his remarkable transformation!

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CF United:  What do you think is one of the greatest misconceptions about people who are overweight?

CB: I think one of the greatest misconceptions is that we are unkempt. That we live a piggish lifestyle, but even at my heaviest I was always well-groomed, always smelled well and always kept myself up.  So that’s one of the biggest misconceptions, which is why one of the things I’ve always hated is when people have said “Oh you smell so good” it was like I was not supposed to.

CF United: What was the turning point for you that made you lose the weight? 

CB: The turning point was definitely travel and being able to fit comfortably on an airplane. I knew this what I was supposed to do and if I had to ride coach I did not want to be uncomfortable or make someone else uncomfortable. Between travel and even seeing pictures of myself on the red carpet. I just knew I wanted to be better and live better.

I actually thought about this coming home last month from the Stellar Awards.  I had a connector flight and it took us all on a small jet and I said God no….I was so comfortable on the other plane. But when it came time to board I didn’t have the usual anxiety. I didn’t say I have to get on another plane or ya’ll have to rearrange anything. I just got on my plane, sat down, slept and came home.

CF United: How did you find out about the Decalo Weight Loss Center?

CB: I got a call from a gentleman I knew who asked me if I’d mind taking on an endorsement with the Decalo Weight Loss Center. He saw me once on the red carpet and at that time I had lost about 20 lbs, to me that was not a significant amount of weight but I said to myself you know what… I can’t do this anymore and I said “Sure” I would do it and he said, “You have to be serious about it” and that’s when I said “You know let’s do it”. When I went into Decalo I weighed 499 lbs  I didn’t know it…you never could not of told me I weighed that much.  I just let it go. It was the fear of the unknown, it was like if I don’t know I’ll never know and because I never had medical issues I figured I’m good.

 

CF United: You’ve tried in the past to lose weight. What was different about the Decalo Weight Loss Center?

CB: The accountability, the staff is excellent! There’s a lady named Tish that I deal with on a weekly basis and she’s awesome to communicate with. I will never forget, once when I was in Philadelphia I went to a restaurant for a dinner party and literally almost had a small breakdown because there was nothing on the menu except pizza, pasta and salad. So I went to the bathroom and called Tish and I said, “I’m salad’ed out…I don’t know what to eat”.  She literally sat with me on the phone and went over the menu. THAT right there meant the world to me. It was the most human thing ever for her to sit on the phone with me while she was in her office and say, “Ok…what’s on the menu?”.  She said, “I know you don’t want salad, so let’s not do salad” and then she asked if they had alternative crusts with the pizzas and they didn’t so she asked what types of pastas they had? Eventually, I wound up getting lobster ravioli.  She said, “Ask them if they can go light on the sauce” and they were able to do that. She was sooo accommodating and that made a world of difference.  And after all of that, I think I ate less than half of the meal.

CF United: Decalo also offers online products such as the BellyTox Tea. What is it and how has it helped you?

In the beginning of my weight loss journey, I noticed at first there are these big numbers but then the weight loss numbers started to decline. My first week at Decalo I lost 18 lbs, then afterwards I was losing maybe one or two pounds per week so the BellyTox Tea literally accelerated my weight loss. The Belly Detox Tea has a 14-day AM and PM tea.

Kudos to Charles for sharing his amazing weight loss journey. Find out more about the “BellyTox Tea” or call the Decalo Weight Loss Center and be sure to mention you saw them on Church Folks United!

Overall, it takes approximately 21 days to form a new habit. Perhaps you’ve already fallen off on a New Year’s resolution. Don’t give up on the rest of the year.  Your season for a healthy beginning can start today. If staying motivated or even getting motivated is a challenge, consider partnering with someone willing to share the journey like a spouse, a close friend or a support group. If emotions are what trigger your overeating, consider some meditative techniques and of course prayer.  You might even want to try getting yourself moving with some spiritual vibes combining gospel music with inspiration and exercise but don’t attempt a drastic overhaul overnight. Remember, gradual changes can eventually become routine.  It’s your temple invest in it and cherish it.

This is a judgment-free zone! Feel free to share your own journeys and testimonies here at Church Folks United to help encourage, uplift and bless others!