financial struggle

In this podcast episode, April Snook, host of "How to Do Life with God," discusses the significance of discerning and hearing God's voice in everyday life. She shares personal stories, including a financial struggle where she experienced God's provision, and emphasizes the importance of obedience, righteousness, and the partnership with God in spiritual living. April provides practical advice on how to engage with God, such as journaling and seeking His guidance in scripture. The conversation also covers her background, her podcast, and her lifestyle brand, Jesus People Co. The hosts, Brandon and Lindsy, reflect on the importance of intimacy with God and the concept of eternal life as a quality of being. April concludes by encouraging listeners to declare their ability to hear from God and to engage intentionally with Him for a transformative spiritual life.
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Timestamps:
April's background and projects (00:01:18) 

Discussion on discernment in the Christian community (00:02:57) 

April’s personal experience with discerning spirits (00:05:29) 

The importance of practice in hearing from God (00:11:48) 

The partnership between God and walking out the spiritual life (00:17:14) 

The significance of choice in walking with God (00:18:29) 

Learning to Hear God (00:19:13) 

Engaging the Mind of Christ (00:23:36) 

Intuition and Spiritual Connection (00:26:28) 

Imagery and Imagination in Hearing God (00:27:52) 

Practical Exercises in Hearing from God (00:30:36) 

Training Exercises and Journaling (00:36:12) 

Hearing from God and Practicing Righteousness (00:38:17) 

Trusting God for Provision (00:39:21) 

Learning to Receive Desires from God (00:43:19) 

Teaching Children to Depend on God (00:49:48) 

The Goal of Intimacy with God (00:55:14)

Everyday Life as an Adventure with God (00:56:46) 

Learning in the Small Things (00:57:43) 

Supernatural Encounters (00:58:20) 

The Right Perspective (00:59:55) 

Beholding vs. Seeing (01:02:15) 

Intentional Living (01:03:44) 

Commission to Hear God's Voice (01:07:54) 

Practical Application (01:10:44) 

Latest figures suggest financial struggles are harming student nurses.

The Nurses Organisation student survey states fewer people would drop out, if they got financial help while completing their courses.

Union Delegate Shannyn Bristowe told Tim Dower that 30 percent of respondents say barriers make them question whether nursing is the right choice.

She says petrol, parking, travel, and food are big struggles during clinical placements.

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Twenty-one days until Christmas and about now the pressure of the festive season and how you're going to pay for it might be on your mind. After a challenging year that has seen the price of almost everything rise, will Christmas be business as usual for you this year, or will it be Christmas on a budget? 

The cost of living crisis has been with us for a while now, but its impact continues to grow. It was announced yesterday that money withdrawn early from KiwiSaver funds due to financial hardship has doubled compared to a year ago, with more people taking money out before retirement. 

The latest figures show the number of KiwiSaver members taking withdrawals increased from 1570 people in October 2022  to 2800 people in October 2023. So, the amount of money withdrawn from KiwiSaver due to financial hardship doubled from $10.3 million in October last year to $21.5 million in October this year.

Also, last week, it was announced the number of Kiwis behind on their mortgages spiked back up again in October. There are now 19,200 mortgage accounts passed due in October. That's up 25% year on year. That's an increase of 1.25% of mortgages in arrears in September to 1.29% in October. With the Reserve Bank’s forecast effectively keeping the possibility of one more rate hike in this cycle, and the thoughts that there will be no rate cuts until 2025, there is little relief in sight for those struggling with their mortgages. 

Now these increases might feel small. It might feel like a small percentage of those who have them are suffering. But what we are seeing is a trend in the increase of the numbers of people who are suffering from hardship, and that brings us to the cost of insurance.

One retiree living in Wellington spoke out over the weekend, saying the nearly 40% increase in his contents insurance policy would mean that he's probably just going to have to risk losing his possessions if his house burns down. The increase is just too much for a pensioner. So he would retain third-party insurance on his car in case he hit a Rolls Royce, but that had gone up 24% too.

Now, according to the insurance companies, since Covid-19 hit, it is now more expensive to replace or repair customers' assets. So there's inflationary pressures at play here, an increase in weather related claims and increase in costs being charged to insurers, as reassurers were changing their view of how risky New Zealand is, is also adding to the cost which is being passed on to us, the consumer.

Now look,  even before the weather events of this year, many of us have seen some pretty impressive increases in our insurances over the last few years. There are, of course, steps that you can take to lower your premiums. You could increase your excess, for example. But is it getting to the point where you need to make some pretty significant changes to your insurances or get rid of some of them altogether? So we're always told, (this is what sensible people do, you know, financially savvy people do this) We're always told to reassess our insurances each year, aren't we? And to make sure that they're still appropriate for our age or our situation. But I wonder if heading into 2024, you might be taking a slightly more dramatic approach as to what you think is necessary and what isn't. 

What insurance policies do you think are important to have? What wouldn't you live with? If the price is getting a bit too high for those policies, how are you dealing with it? Have you thought about getting rid of one or two insurances, or are you looking at doing things like increasing your excess to try and drop the cost of your premium.

 Or are you planning on getting rid of some of your insurances in 2024 altogether? 

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Paul Williams shares his moving story about struggle and finance. Paul felt lost and had no direction to provide for his family of 5. After loosing his job, Paul had a difficult decision to make. At the age of 41 years old, Paul went back to college to begin a 10 year process of getting a degree and successful job in the medical field. 

Paul shares his story about struggle and hardship during this time in which he had to persevere for his family. Paul shares how God made a way for him to provide for his family. God opened the right doors for Paul to graduate and find the right job. Many doors had to open along Paul's journey, but God was faithful in opening all of them in his timing. 

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Alison is the face of Pennywise Consultants and the driving force behind its success. In 2010 she was invited by a leading Family Law partner in London to help him investigate a 'Black Hole' in one of his divorce cases. His client, the wife, wanted to know how much of their marital money her husband had spent on extra marital affairs. She subsequently founded Pennywise Consultants and since then has been wholly committed to expanding the business and providing clients with a unique and exceptional service.

Find more information and resources here: http://saradavison.com/

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LinkedIn: https://www.linkedin.com/in/sara-davison-742b453/

Alison is the face of Pennywise Consultants and the driving force behind its success. In 2010 she was invited by a leading Family Law partner in London to help him investigate a 'Black Hole' in one of his divorce cases. His client, the wife, wanted to know how much of their marital money her husband had spent on extra marital affairs. She subsequently founded Pennywise Consultants and since then has been wholly committed to expanding the business and providing clients with a unique and exceptional service.

Find more information and resources here: http://saradavison.com/

Follow me on social media►
Instagram: https://www.instagram.com/saradavisondivorcecoach/
Facebook: https://www.facebook.com/SaraDavisonDivorceCoach
Twitter: https://twitter.com/SDDivorceCoach
LinkedIn: https://www.linkedin.com/in/sara-davison-742b453/

Fail.

Oh boy. This episode is inspired by a true and recent experience of dropping the ball with a client. My recent lapse in customer care made me think of the bigger picture of how we so often let our failures beat us up. It's easy for financial failures to feel daunting, but there is truth and hope I want each of you to grab a hold of in this episode. Listen and plan to fail well.

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