Inspirational: Allow the Lord to give you Peace

Confidence in God's Grace and Care Ps 23: 2

He maketh me to lie down in green pastures, He leadeth me beside still waters.

Few days ago, I flew to see my mother and the plane began to rumble and flipping side to side. Fear engulfed me but I quickly rebuked the devil that fear is the opposite of faith. I muttered "leave me alone!" Faith took over and thought of the Psalmist. In whatever situation you may find yourself today, allow the Lord to make you, to mould you (don't make yourself), if he makes you to lie down you are promised green pastures, you are guaranteed success, victory, breakthrough, peace etc. He knows where you should be. Let Him make you to lie down. Let Him lead you because His lead besides the still waters is perfect, neither late nor early but just on time. If you lead yourself you will make the situation worse, if He leads He will calm the vicious waters. Even if the issues, rumbles or flipping continue, you will not feel it, calm and peace will take over. He leads you to the waters of rest: not gently-flowing streams, but streams where you find rest and refreshment. Allow him to make you, to mould you. Allow the Lord to be your shepherd today.

"What is a Holiday? Do You Need A Holiday? Lets Talk Holiday"

Holiday overindulgence can lead to throbbing heads, expanded waistlines -- and piles of credit card bills. If you overdid the holiday shopping, here are some suggestions for getting back on track.

Stop buying. Post-holiday sales pose a huge temptation, so unsubscribe from any newsletters or deal alerts that will tell you what you're missing. Reassure yourself that there will be other sales and focus on the debt-busting task at hand.

Try a no-spend month. Create meals from what you already have in your pantry. Postpone travel and eating out. Purchase only essentials. By the end of the month, you'll likely have a few hundred extra bucks in your checking account that can be used to pay down debt.

Tap your savings. We tend to be emotionally attached to money in our savings accounts, given how hard it was to accumulate. Cold logic will tell you, though, that it makes little sense to earn 0.25 percent interest on money that could be used to pay down credit card debt accumulating interest at 25 percent -- or even at 2.5 percent. The only exception is if you're facing an imminent layoff or other big financial setback. In that case, cash is king.

Look elsewhere for money. Got gift cards? Turn them into cash using aggregator site Gift Card Granny, advises freelance personal finance writer and frugality expert Donna Freedman. Unwanted gifts? Sell them on eBay or Craigslist. Coin jar? Your bank may convert your change to cash, or you can use a Coinstar machine, which takes a 10.9 percent cut unless you opt for an electronic gift card. As soon as you get the cash, send in a credit card payment lest you be tempted to spend it elsewhere.

Tackle those debts systematically. To save the most, pay off your highest-rate debt first while paying the minimums on your other accounts. If you're worried about losing your motivation, slay a small debt. One study found that people who tackled small balances first were more likely to eliminate all their debt.

Get ready for next year. Once you're debt-free, take the payments you were applying to your cards and redirect them into a holiday savings.