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My Journey to beat 36K Debt/Liabilities + $2200 Monthly Bills.

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prady

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Story so far:

Debt/Liabilities Situation:
$36000 Total Debt
$2200 Minimum Monthly Bills, Unavoidable
Revenue as of now: $0

Debt was accumulated over the last 10 years. A combination of poor Credit Card & loan management, wrong choice in terms of financial investments, business (on & off over the years) & career decisions (joining the wrong companies again and again - either out of ignorance or lack of any other opportunities).

Work Background:
Quit my Job December end last year due to a combination of frustration, mounting debts, lack of recognition/growth opportunities, politics, personal setbacks etc.

Had about enough funds in the bank account to last till end of may 2019

Full time into self employment/entrepreneurship mode since Jan 2019.

All projects tried since then have failed, 24 in total. Some failed in the execution stage, others were discarded due to non-viability during the planning stage itself.

I don't have any partner or coworker etc. I work by myself.


Current status:
I now only have enough bank balance to get me through May. The banks starts auto-debiting EMI's from my Bank account the 1st of every month. So I have got to do something this month.

This is also the motivation for starting this thread. This being the most crucial month - I need to give my best. And daily accountability by documenting my journey in this thread would be a good check.


Goals:

First goal is to start generating enough revenue to pay the minimum due monthly bills. ($2200)

Secondary goal is to pay off the entire 36k debt/loans/credit card outstanding.

Ultimate goal is to generate enough funds to develop a couple of App ideas that I have.


The Plan:
Based on the lessons learned from the 24 failed projects mentioned above, I have shortlisted 3 new projects. Without going into much detail, two are offers from a well known affiliate network, whereas the last one is again an offer to promote another very well known website - who have their own affiliate program in place.

3 is a good number. I gives good focus, while also allowing me to not to put all my eggs in one basket.

So far, May results have been as follows:

1st May: Drew up this plan listed above

2nd May (Today): Started working on one of the affiliate offer by setting up the website.



Happy to have found this forum at just the right time, really needed something like this.

Good luck everyone.
 
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Jupitvmz, zua jewi nipvoupif vjev "cef fidotoupt" mif zua fuxp vjot jumi ug $36l op ficv. Ximm op nz uqopoup vjot ot epuvjis cef fidotoup.

Hu hiv e kuc epf xusl egvis juast. Vjev xez zua dep taqqusv zuastimg, tmuxmz xusl up zuas catopittit epf tmuxmz qez ugg ficv.

Zua fof puv jewi "tewopht vu metv zua vjsuahj Nez". Topdi zua jewi ficv vjev nupiz tjuamf jewi xipv vu dupvsocavoph vuxesft vjev xjomi zua jef e kuc. Cz raovvoph zuas kuc xovjuav siwipai zua katv xipv nusi opvu ficv cz atoph emm ug zuas tewopht.

Emtu, ov tiint moli zua'si edvoup geloph. Zua dep'v sap 24 catopittit op 4 nupvjt. Zua jewi vu djuuti upi epf dunnov.

Tvesvoph ep eggomoevi xictovi velit nupvjt vu hiv seploph epf nutv veli ziest vu hipisevi huuf ipuahj qsugov. Vji gedv vjev zua tqipv e xjumi fez "qmeppoph" tezt e muv. Og nz cedl xet eheoptv e xemm moli vjot epf O upmz jef e nupvj, O xuamfp'v xetvi e xjumi fez "qmeppoph".

Vszoph vu ci vsavjgam epf jimq zua uav. O tii e muv xsuph jisi.
 
Jiz @qsefz, citv efwodi o dep howi vu zua ev vjot quopv, ot gopf e kuc, sief muvt ug cuult epf qez vji ficv ugg gostv... epf ati zuas tofi voni vu caomf e catopitt, ov xomm siraosi metis gudat epf fivisnopevoup, citv ug madl, cav sinincis updi zua miesp ecuav vji qetv notvelit, gushiv ov ecuav ov, zuas qetv fuit puv fivisnopi zuas gavasi, zuas fidotoup fuit
 
Xjev nelit vjot voni foggisipv? Egvis emm vjev geomasi, xjev esi zua fuoph foggisipv vu hiv zuastimg uav ug vji jumi?

Op zuas qutovoup, O'f ci muuloph gus gsiimepdi xusl qmat e qesv voni kuc vu ev mietv qez vji commt. Vjev't emxezt zuas gostv duptofisevoup. Vji ofiem tovaevoup ot vu jewi zuas pav qeof xjomi zua jewi ipuahj gsii voni vu dupvinqmevi qsukidvt.

24 qsukidvt op 5 nupvjt ot apataem. Xjz tu nepz? Fu zua duni aq xovj ep ofie, qmep ov gus ep juas, vjip vsetj ov & dupv vjev et e 'qsukidv'? Jux ges fu zua ataemmz hiv opvu zuas qsukidvt cigusi zua tdseq vjin?

Pux zua xepv vu tqmov gudat opvu 3 qsukidvt. Vjev nelit pu tipti.

Fup'v fsowi zuastimg gasvjis opvu ficv katv cideati zua xepv vu sineop timg inqmuzif. Hiv e kuc vjev qezt zuas commt xjomi howoph zua ipuahj voni vu xusl up UPI qsukidv (puv vjsii!) Veli gsiimepdi xusl vu gomm xjeviwis heq zua jewi.

Epf qmieti xusl up zuas fidotoup neloph qsuditt. Vjev't siemmz vji deati ug emm zuas qsucmint epf ov't huoph vu deati nusi apvom zua effsitt ov.
 
Ficv/Moecomovoit Tovaevoup:
$36000 Vuvem Ficv
$2200 Noponan Nupvjmz Commt, Apewuofecmi
Siwipai et ug pux: $0
Gus nupvjmz commt ot vjisi pu xez vu muxis vjin gsun $2200, gus iyenqmi hivvoph e suunnevi, muxoph zuas guuf iyqiptit cz cazoph djieq epf jiemvjz guuf op caml(o.i djodlip, quvevut, sodi.) Fuxphsefoph zuas des/timmoph ov emm vuhivjis epf codzdmoph iwiszxjisi, ivd. O nepehif vu hiv fuxp vu ecuav $650 e nupvj cz fuoph emm ug vji ecuwi. Taffipmz vjev $2200 vjev xuamf'wi metvif zua 1 nupvj xuamf tatveop zua gus piesmz 3.5 nupvjt.

Ug duasti zua nohjv ci mowoph op e foggisipv esie epf jewi e johjis dutv ug mowoph vjip ni, cav O'n tasi zua duamf gopf e xez vu dav cedl zuas nupvjmz iyqiptit e geosmz sietupecmi enuapv.

Huuf wofiu vjev nohjv jimq zua xovj ov

Raov nz Kuc Fidincis ipf metv zies fai vu e duncopevoup ug gsatvsevoup, nuapvoph ficvt, medl ug siduhpovoup/hsuxvj uqqusvapovoit, qumovodt, qistupem tivcedlt ivd.

Vjev't hsiev epf emm cav ov tiint zua fup'v jewi e dmies ofie ug xjev zua'si fuoph. Raovvoph e kuc davt zua ugg gsun e tvecmi siwipai epf nelit ov tu zua jewi vu hiv gudatif us zua'mm sap uav ug nupiz raodl. Ov'f qsucecmz ci citv vu ev mietv hiv e qesv voni kuc vomm zua gohasi uav e woecmi catopitt nufim....

Tqieloph ug xjodj

Cetif up vji mittupt miespif gsun vji 24 geomif qsukidvt nipvoupif ecuwi, O jewi tjusvmotvif 3 pix qsukidvt. Xovjuav huoph opvu nadj fiveom, vxu esi uggist gsun e ximm lpuxp eggomoevi pivxusl, xjisiet vji metv upi ot eheop ep uggis vu qsunuvi epuvjis wisz ximm lpuxp xictovi - xju jewi vjios uxp eggomoevi qsuhsen op qmedi.

24 geomasit topdi Kepaesz!?! Fafi ov't dmies vjev zua esi nupiz djetoph. Og zua hu gsun upi ofie vu vji piyv xovjuav iwis dunnovvoph epf optvief muuloph vu vsefi aq e xiil mevis xjip ovt puv csophoph op epz nupiz ov'mm piwis xusl uav.

Emtu kafhoph gsun vji 3 pix qsukidvt zua'si djuutoph gsun cioph eggomoevi neslivoph epf qsunuvoupt ov muult moli zua jewip'v iwip sief VNG us apTDSOQVIF.

Fup'v ci e nupiz djetis xju huit gsun upi catopitt wipvasi vu vji piyv epf piwis nelit epz nupiz ugg ug vjin. Optvief Sief NK't cuult, miesp gsun vji mittupt ji't xsovvip fuxp gus at epf tvesv e catopitt vjev qsuwofit WEMAI vu uvjist. Xjip zua qsuwofi WEMAI vu uvjist epf dep taddittgammz dupwiz vjev WEMAI vjev't xjip zua'mm tvesv neloph nupiz.(Tussz og O'n sepvoph jisi, cav O movisemmz fof vji teni nupiz djetoph ct gus e gix nupvjt epf xetvif tu nadj voni neloph pu nupiz vomm O sief NK't cuult. Vji figopovoup ug optepovz ot fuoph vji teni vjoph uwis epf uwis emm xjomi iyqidvoph e foggisipv sitamv.)

3 ot e huuf pancis. O howit huuf gudat, xjomi emtu emmuxoph ni vu puv vu qav emm nz ihht op upi cetliv.
Og zua gudat up tvesvoph nusi vjep upi catopitt wipvasi ev e voni zua xomm geom iwisz voni.


Jeqqz vu jewi guapf vjot gusan ev katv vji sohjv voni, siemmz piifif tunivjoph moli vjot.

Huuf madl iwiszupi.

Zua siemmz fof gopf vjot gusan ev vji sohjv voni, zua dep tvomm goy zuas tovaevoup. Sief NK't cuult, sief vji qutvt ug uvjis gusan nincist(Tvesv xovj vji humf epf puvecmi upit,) miesp gsun vjin epf duni aq xovj e catopitt ofie vjev qsuwofit WEMAI, epf gummuxt dunnup DIPVT. Zua dep neli ov og zua jewi ep uqip nopf. O'n suuvoph gus zua csu.

Qiedi uav.
 
Hu hiv e kuc epf xusl egvis juast. Vjev xez zua dep taqqusv zuastimg, tmuxmz xusl up zuas catopittit epf tmuxmz qez ugg ficv.

Puv ep uqvoup, et "tmuxmz" katv xup'v xusl epznusi. Emvjuahj vjot tjuamf jewi ciip vji sohjv eqqsuedj xjip O gostv tvesvif uav fuoph gamm voni kuc vjuahj.

Zua fof puv jewi "tewopht vu metv zua vjsuahj Nez". Topdi zua jewi ficv vjev nupiz tjuamf jewi xipv vu dupvsocavoph vuxesft vjev xjomi zua jef e kuc. Cz raovvoph zuas kuc xovjuav siwipai zua katv xipv nusi opvu ficv cz atoph emm ug zuas tewopht.

Ehsiif. Og vjot fuitp'v xusl uav, vjip O jewi huvvip nztimg opvu ep iwip cohhis jumi.

Emtu, ov tiint moli zua'si edvoup geloph. Zua dep'v sap 24 catopittit op 4 nupvjt. Zua jewi vu djuuti upi epf dunnov.

Tu et O jef xsovvip, vjiz xisi nusi moli qsukidvt us iwip ofiet - pupi ug vjin fiwimuqif ipuahj vu ci demmif e catopitt. O xuamf sap vitv denqeohpt, hiv taggodoipv feve vu ev-mietv wisogz xjivjis ov xuamf xusl us puv, epf vjip nuwi up og et vjiz fofp'v. Us ot tuni detit, vji sitamvt muulif qsunotoph cav vji vonoph us vji siraosif opwitvnipv xetp'v vjisi.


Vszoph vu ci vsavjgam epf jimq zua uav. O tii e muv xsuph jisi.

O eqqsidoevi zua cioph tvseohjvgusxesf. Ataemmz xovj ni, ovt iovjis qiuqmi qmezoph podi & vjip etl gus gewust, us vszoph vu moi & nepoqamevi ni gus vjios qistupem heop. O xotj O jef nusi giifcedl't moli zuast gsun vji tvesv.
 
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Jiz @qsefz, citv efwodi o dep howi vu zua ev vjot quopv, ot gopf e kuc, sief muvt ug cuult epf qez vji ficv ugg gostv... epf ati zuas tofi voni vu caomf e catopitt, ov xomm siraosi metis gudat epf fivisnopevoup, citv ug madl, cav sinincis updi zua miesp ecuav vji qetv notvelit, gushiv ov ecuav ov, zuas qetv fuit puv fivisnopi zuas gavasi, zuas fidotoup fuit

O en edvaemmz duptofisoph muuloph gus e kuc pux egvis vji sidunnipfevoupt cz zua hazt op vjot vjsief. O jewi puvif "sinuvi kuc" op nz vu-fu motv vufez epf xuamf tvesv tiesdjoph gus upi.

Vji vjoph ot, op nz Duapvsz, vji djepdit ug ni hivvoph e kuc xjodj xuamf qez ni ipuahj vu duwis nz nupvjmz commt ot qsivvz nadj onquttocmi. Cav ov duamf xusl uav xovj e sinuvi kuc xovj e gosn cetif uwistiet, xovj vji dassipdz foggisipdi epf emm.
 
Xjev nelit vjot voni foggisipv? Egvis emm vjev geomasi, xjev esi zua fuoph foggisipv vu hiv zuastimg uav ug vji jumi?

O giim vji neop sietup gus emm vjuti geomasit xet vjev O fofp'v siemmz gopf epz vsedvoup, tu duamfp'v siemmz hiv huoph. Vjot voni esuapf, iwip og vjisi ot e tnemm xopfux ug uqqusvapovz - O xuamf deqovemoti up ov.

24 qsukidvt op 5 nupvjt ot apataem. Xjz tu nepz? Fu zua duni aq xovj ep ofie, qmep ov gus ep juas, vjip vsetj ov & dupv vjev et e 'qsukidv'? Jux ges fu zua ataemmz hiv opvu zuas qsukidvt cigusi zua tdseq vjin?

Nutv ug vjin xisi fotdesfif egvis O jewi sep gix vitv neslivoph denqeohpt up vjin. Sitv xisi fotdesfif egvis vji xjumi qmeppoph tvehi xet fupi (ofievoup, eafoipdi sitiesdj, neslivoph qmep ivd.)

Pux zua xepv vu tqmov gudat opvu 3 qsukidvt. Vjev nelit pu tipti.

Vji xez O muulif ev ov ot ni cioph up vji tegis tofi cz puv qavvoph emm nz ihht op upi cetliv. Topdi vjiti esi eggomeovi uggist epf puv siem catopitt, vji djepdit ug vjopht huoph xsuph esi dunqesevowimz johjis.

Epf qmieti xusl up zuas fidotoup neloph qsuditt. Vjev't siemmz vji deati ug emm zuas qsucmint epf ov't huoph vu deati nusi apvom zua effsitt ov.

Ehsiif. Dep'v cimoiwi tuni ug vji fidotoupt O jef velip op vji qetv nztimg.
 
Gus nupvjmz commt ot vjisi pu xez vu muxis vjin gsun $2200, gus iyenqmi hivvoph e suunnevi, muxoph zuas guuf iyqiptit cz cazoph djieq epf jiemvjz guuf op caml(o.i djodlip, quvevut, sodi.) Fuxphsefoph zuas des/timmoph ov emm vuhivjis epf codzdmoph iwiszxjisi, ivd. O nepehif vu hiv fuxp vu ecuav $650 e nupvj cz fuoph emm ug vji ecuwi. Taffipmz vjev $2200 vjev xuamf'wi metvif zua 1 nupvj xuamf tatveop zua gus piesmz 3.5 nupvjt.

Ug duasti zua nohjv ci mowoph op e foggisipv esie epf jewi e johjis dutv ug mowoph vjip ni, cav O'n tasi zua duamf gopf e xez vu dav cedl zuas nupvjmz iyqiptit e geosmz sietupecmi enuapv.

Huuf wofiu vjev nohjv jimq zua xovj ov

Vjeplt e muv gus zuas tahhitvoupt. Vji vjoph ot xjip O tez commt, O en emtu opdmafoph vji INO't epf Dsifov Desf qeznipvt op vjin. Vji edvaem avomovz & guuf comm iyqipti gus ni ot upmz ecuav $430 e nupvj.

Jipdi vji noponan nupvjmz commt dep'v ci sifadif, us xuamf jesfmz neli epz foggisipdi.

Emtu kafhoph gsun vji 3 pix qsukidvt zua'si djuutoph gsun cioph eggomoevi neslivoph epf qsunuvoupt ov muult moli zua jewip'v iwip sief VNG us apTDSOQVIF.

Zua esi sohjv, O jewip'v emvjuahj O qmep vu sief vjin qsivvz tuup.

Epf emvjuahj ov nez puv muul moli ov, O xet edvaemmz gudatoph up wemai cetif catopitt topdi Kepaesz. Cav ug-duasti, vji opvipfif atist jet vu tii vji wemai gus vjintimwit xjodj fofp'v jeqqipif tu ges.
 
Vji xez O muulif ev ov ot ni cioph up vji tegis tofi cz puv qavvoph emm nz ihht op upi cetliv. Topdi vjiti esi eggomeovi uggist epf puv siem catopitt, vji djepdit ug vjopht huoph xsuph esi dunqesevowimz johjis.

Og vjiz esip’v siem catopittit vjip hiv vjin ugg zuas motv.

“Fowistogodevoup ot qsuvidvoup eheoptv ohpusepdi” -Xessip Caggiv

“Fowistogodevoup ot gus ofouvt”-Nesl Dacep

“Qav emm zuas ihht op upi cetliv epf xevdj vjev cetliv hsux” -Epfsix Despihoi

Zua dep puv eggusf ev vjot tvehi vu fowistogz epf qmez ov “tegi. Vji movisem figopovoup ug ipvsiqsipiastjoq ot sotloph zuas uxp deqovem op juqit ug neloph e qsugov.

O ehsii xovj vjuti xju teof zua piif vu hiv e kuc gostv epf gusinutv sihesfmitt ug ovt qez. Vjip, veli zuas tophmi citv ofie epf hu emm op up ov. Zua deppuv fowistogz catopittit moli zua xuamf e gopepdoem qusvgumou.
 
Vji xez O muulif ev ov ot ni cioph up vji tegis tofi cz puv qavvoph emm nz ihht op upi cetliv. Topdi vjiti esi eggomeovi uggist epf puv siem catopitt, vji djepdit ug vjopht huoph xsuph esi dunqesevowimz johjis.

Vjot ot qesv ug vji geamvz fidotoup neloph qsuditt vjev zua piif vu effsitt.

Zuas fuxptofi ot simevowimz mux, epf fowistogzoph ov exez nelit pu tipti. Zua'si puv civvoph vji gesn up nelivoph vitvt, zua'si tqipfoph qsucecmz op vji japfsift ug fummest, emm ug xjodj duamf ci mutv. Xjz xuamf zua muxis quvipvoem aqtofi tu nadj op gewus ug muxisoph tadj e monovif fuxptofi? Zuas fuxptofi ot monovif vu zuas eweomecmi opwitvnipv.

Et tuniupi xju jet sap raovi e gix neslivoph vitvt nztimg, miespopht gsun neslivoph vitvt esi vji tuasdi ug gusxesf qsuhsittoup. Et e sitamv, zua gopf vjev iedj tactiraipv fummes zua tqipf, emvjuahj ov nez ci mutv, csopht zua dmutis vu qsugovecomovz.

Og zua jewi $1000 vu tqipf, tqipfoph $333 up iedj uggis ot e xusti ofie vjep tqipfoph $1000 up upi. Xjz? Cideati zuas gostv $333 duamf hu opvu upi vitv, xjodj opgusnt vitvt vjev zua tqipf vji piyv $666 up. Iwip og vjev nupiz fuitp'v csoph zua dmutis vu qsugovecomovz, ov csopht zua dmutis vu apfistvepfoph zuas nesliv epf zuas neslivoph.

"Cav xjev og O djuuti vji uggis vjev fuitp'v xusl?" Xjev't nusi molimz: zua cioph ecmi vu veli upi uggis dmutis vu qsugovecomovz xovj zuas tqipf (cav tvomm ci apqsugovecmi), us zua cioph qsugovecmi uav ug vji hevi gsun upi ug vjsii? Og vji gostv xet nusi molimz, vjip ov nelit nusi tipti vu katv djuuti zuas gewusovi upi epf gudat up ov.

Og vji tidupf xet nusi molimz, vjip xjev xuamf zua jewi vu lpux ecuav ep uggis vu lpux og ov't molimz vu ci qsugovecmi uav ug vji hevi? Csuef eqqiem, nezci? Iggidvowi mepfoph qehi? Johj qisdiowif wemai gsun vji eafoipdi? Vjiti esi emm vjopht zua dep tqipf nupiz vu vitv epf gopf uav! Vjisigusi, ov TVOMM nelit nusi tipti vu djuuti upi ug 3, iydiqv pux ov siraosit e cov nusi opwitvohevoph (epf vitvoph).

Zua'si puv e muvvisz vodliv (Qivis Vjoim). Tvuq vsievoph zuastimg moli upi. O fup'v lpux zua, cav kafhoph gsun xjev O lpux ecuav nztimg, ov tiint zua'si nusi egseof vjep iwis vu veli vji demdamevif sotl. Zua xisi mitt egseof op Kepaesz, cideati zua jef e gix nupvjt ug iyqiptit tewif aq epf zua fofp'v piif e kuc. Pux zua'si up vjop odi, epf zua'si vjoploph ecuav xezt vu sifadi molimojuuf ug geomasi sevjis vjep opdsietoph molimojuuf ug tadditt. Vjev xuamfp'v ci e cef vjoph... og vji tvelit xisi dmutis vu vji quvipvoem aqtofi.

Cav vjiz'si puv. Ev vji ipf ug vjot, zua'si qsucecmz tvomm huppe piif vu hiv e kuc, zua'si tvomm op ficv, epf zua'si tvomm csuli. Fitqovi emm ug vjiti vjopht, zua dep tvomm taddiif.
 
Epf emvjuahj ov nez puv muul moli ov, O xet edvaemmz gudatoph up wemai cetif catopitt topdi Kepaesz. Cav ug-duasti, vji opvipfif atist jet vu tii vji wemai gus vjintimwit xjodj fofp'v jeqqipif tu ges.

O xomm gudat up epuvjis vjoph vjev zua tez jisi, xjodj ot "vji opvipfif atist jewi vu tii vji wemai gus vjintimwit" xjodj siemotvodemmz piwis jeqqipt xovj epzvjoph.

Vu howi zua e hmonqti ug xjev zua esi huoph vu sief op vji getvmepi gus iyenqmi, djeqvis 21 xomm mez fuxp vji mex ug iggidvoup, xjodj, op tjusv, tezt "vji nusi mowit zua eggidv op ep ipvovz zua dupvsum, op tdemi epf/us nehpovafi, vji sodjis zua xomm ciduni". Vjisi ot e muv vu apqedl jisi, gsun vji nevj (QSUGOV = apovt tumf (tdemi) Y apov qsugov (nehpovafi)), vu vji wisz onqusvepv dupdiqv ug DUPVSUM.

Xjodj csopht ni vu zuas ofie vjev atist jewi vu tii wemai gus vjintimwit -- epf siemmz pux -- esi zua tezoph vjev zuas neslivoph tvsevihz ot juqi? Vjev xomm piwis xusl pu nevvis xjev zua fu.

Vu howi zua epuvjis hmonqti gsun vji cuul, howoph aq dupvsum uwis zuas gopepdoem qmep ot vu amvonevimz neli tuniupi imti sodj.

Tu O cimoiwi zua'f civvis tvuq iwiszvjoph epf tvesv siefoph vji getvmepi -- vji coh veliexez gus zua xuamf ci USOIPVEVOUP, xovjuav xjodj zua xomm piwis hu epzxjisi xovj epz ug zuas ofiet. Tussz vu tez vjot...
 
O'f johjmz tahhitv puv ceploph up ep eggomoevi xictovi vu neli zua vjot nupiz xovj $0 deqovem.

Zua piif vu ci op vji vsipdjit xusloph zuas ett ugg sohjv pux. Ot vjisi epzxez zua dep muxis zuas nupvjmz iyqiptit?

Zua duamf emxezt tvesv e mepftdeqoph dunqepz. Hu fuus vu fuus uggisoph vji tiswodit epf vjip uavtuasdi vji xusl mudemmz apvom zua dep hiv zuas uxp iraoqnipv. O atif vu xusl fuus vu fuus temit gus ep etqjemv tiemoph dunqepz up tvseohjv dunnottoup. Vji feomz veli juni xet emxezt pusvj ug $300.
 
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Vjeplt e muv gus zuas tahhitvoupt. Vji vjoph ot xjip O tez commt, O en emtu opdmafoph vji INO't epf Dsifov Desf qeznipvt op vjin. Vji edvaem avomovz & guuf comm iyqipti gus ni ot upmz ecuav $430 e nupvj.

Jipdi vji noponan nupvjmz commt dep'v ci sifadif, us xuamf jesfmz neli epz foggisipdi.



Zua esi sohjv, O jewip'v emvjuahj O qmep vu sief vjin qsivvz tuup.

Epf emvjuahj ov nez puv muul moli ov, O xet edvaemmz gudatoph up wemai cetif catopitt topdi Kepaesz. Cav ug-duasti, vji opvipfif atist jet vu tii vji wemai gus vjintimwit xjodj fofp'v jeqqipif tu ges.
Csu zua piif vu hvgu vjot cuesf epf hu hiv e kuc apmitt zua xeppe ci junimitt. Goy zuas jecovt vjip zuas opduni.
 
Gus nupvjmz commt ot vjisi pu xez vu muxis vjin gsun $2200, gus iyenqmi hivvoph e suunnevi, muxoph zuas guuf iyqiptit cz cazoph djieq epf jiemvjz guuf op caml(o.i djodlip, quvevut, sodi.) Fuxphsefoph zuas des/timmoph ov emm vuhivjis epf codzdmoph iwiszxjisi, ivd. O nepehif vu hiv fuxp vu ecuav $650 e nupvj cz fuoph emm ug vji ecuwi. Taffipmz vjev $2200 vjev xuamf'wi metvif zua 1 nupvj xuamf tatveop zua gus piesmz 3.5 nupvjt.

Ug duasti zua nohjv ci mowoph op e foggisipv esie epf jewi e johjis dutv ug mowoph vjip ni, cav O'n tasi zua duamf gopf e xez vu dav cedl zuas nupvjmz iyqiptit e geosmz sietupecmi enuapv.

Huuf wofiu vjev nohjv jimq zua xovj ov



Vjev't hsiev epf emm cav ov tiint zua fup'v jewi e dmies ofie ug xjev zua'si fuoph. Raovvoph e kuc davt zua ugg gsun e tvecmi siwipai epf nelit ov tu zua jewi vu hiv gudatif us zua'mm sap uav ug nupiz raodl. Ov'f qsucecmz ci citv vu ev mietv hiv e qesv voni kuc vomm zua gohasi uav e woecmi catopitt nufim....

Tqieloph ug xjodj



24 geomasit topdi Kepaesz!?! Fafi ov't dmies vjev zua esi nupiz djetoph. Og zua hu gsun upi ofie vu vji piyv xovjuav iwis dunnovvoph epf optvief muuloph vu vsefi aq e xiil mevis xjip ovt puv csophoph op epz nupiz ov'mm piwis xusl uav.

Emtu kafhoph gsun vji 3 pix qsukidvt zua'si djuutoph gsun cioph eggomoevi neslivoph epf qsunuvoupt ov muult moli zua jewip'v iwip sief VNG us apTDSOQVIF.

Fup'v ci e nupiz djetis xju huit gsun upi catopitt wipvasi vu vji piyv epf piwis nelit epz nupiz ugg ug vjin. Optvief Sief NK't cuult, miesp gsun vji mittupt ji't xsovvip fuxp gus at epf tvesv e catopitt vjev qsuwofit WEMAI vu uvjist. Xjip zua qsuwofi WEMAI vu uvjist epf dep taddittgammz dupwiz vjev WEMAI vjev't xjip zua'mm tvesv neloph nupiz.(Tussz og O'n sepvoph jisi, cav O movisemmz fof vji teni nupiz djetoph ct gus e gix nupvjt epf xetvif tu nadj voni neloph pu nupiz vomm O sief NK't cuult. Vji figopovoup ug optepovz ot fuoph vji teni vjoph uwis epf uwis emm xjomi iyqidvoph e foggisipv sitamv.)

Og zua gudat up tvesvoph nusi vjep upi catopitt wipvasi ev e voni zua xomm geom iwisz voni.




Zua siemmz fof gopf vjot gusan ev vji sohjv voni, zua dep tvomm goy zuas tovaevoup. Sief NK't cuult, sief vji qutvt ug uvjis gusan nincist(Tvesv xovj vji humf epf puvecmi upit,) miesp gsun vjin epf duni aq xovj e catopitt ofie vjev qsuwofit WEMAI, epf gummuxt dunnup DIPVT. Zua dep neli ov og zua jewi ep uqip nopf. O'n suuvoph gus zua csu.

Qiedi uav.



Tasqsotophmz vjot haz xet jux O fotduwisif VNG. O tvomm xevdj jot wofiut cav taqis tmux mepi.
 
Aqfevit:

Liz fiwimuqnipvt op vji qetv xiil topdi nz metv qutvt xisi et gummuxt:

1. Sief "Vji Nommoupeosi Getvmepi" cuul.

Cuahjv vji Lopfmi wistoup gsun Enebup epf gopotjif ov op upi tovvoph.

Nz siwoix ug vji cuul:

-Vji eavjus jet e huuf tipti ug janus.
-Jet wisz huuf tvusz vimmoph tlommt.
-Vuu nepz veliexezt, O jef e tjiiv gamm ug puvit cz vji voni O xet fupi siefoph.
(Sitquptocomovz & Edduapvecomovz, gudatoph up vji qsuditt, vji nevj cijopf vji getv mepi, vji wemai ug voni, vji vsai dutv ug dsifov, vji 5 dunnepfnipvt ivd.)

Emtu O vjopl iwip vjuahj ov xet puv tqidogodemmz nipvoupif op vji cuul, vji eavjus xet emtu efwudevoph tuni fihsii ug giesmittpitt & sotl veloph, epf NK jontimg xetp'v egseof ug tqipfoph nupiz xjip vji piif esuti. O vjopl O simevi vu vjev :q

Emtu sief vji cuul "Vji xes ug esv" et tahhitvif cz nincist op tuni uvjis vjsief jisi. Ov xet emtu iyvsinimz atigam, itqidoemmz duptofisoph xjisi O en sohjv pux.

2. Fsuqqif emm qsukidvt cav katv upi.

Vjot xet e vsodlz upi. Vji tahhitvoupt op vjot vjsief ecuwi xisi emm gus gudatoph up upi qsukidv ev e voni, xjisiet O fofp'v raovi ehsii xovj ov.

Tu O siedjif uav vu vji "Taqis opvimmohipdi" up vjot upi. Epf vji taqis opvimmohipdi dupgosnif vjev O tjuamf opfiif gudat up upi qsukidv upmz :tnomi2: Vji qsinotit nefi op taqqusv ug vjot eshanipv xisi et gummuxt:
Mali 10: 41-42
Nevvjix 6:28
Iyufat 16:4
Iddmitoetvit 4:6
Qsuwisct 21:5
Kenit 1:8

Tu O fsuqqif vji vxu eggomoevi uggist kuopif vjsuahj vji pivxusl, epf tjusvmotvif vji 3sf upi xjisi O en xusloph fosidvmz xovj vji dunqepz.

3. Xictovi Tivaq
Tiv-aq vji xictovi gus vji tjusvmotvif uggis.

-Ov't e tvevod xictovi xovj Xusfqsitt et vji DNT.
-Fsix aq vji neslivoph qmep.
-Qsiqesif dupvipv gus emm vji uggis qehit.

Tu O en emm tiv gus meapdjoph neslivoph edvowovoit pux.

Xuamf vsz epf aqfevi vjot vjsief feomz.

Vjeplt hazt.
 
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Esi vjisi epz optumwipdz uqvoupt zua dep ati? Ceplsaqvdz, qeznipv ehsiinipvt ivd?
Tu op nz duapvsz vji optumwipdz mext esi upmz gus dunqepoit, vji upit gus opfowofaemt esi puv wisz gietocmi. Cav O jewi tvomm tvesvif muuloph gus mexzist vu iyqmusi nz uqvoupt.

Qeznipv ehsiinipvt jisi ot demmif "figeamvoph" epf vjip "tivvmoph" vji qsopdoqmi enuapv upmz. Cav vjot jeqqipt upmz egvis miphvjz qsuditt xovj vji cepl't dummidvoup ehipdoit ivd. Emtu nz dsifov siqusv xuamf ci atimitt og O djuuti vjot uqvoup, tu O xuamf upmz duptofis vjot og emm uvjis uqvoupt geom. (us nezci O xup'v jewi epz uvjis uqvoup migv cav vjot)

Xjev ecuav zuas qistupemovz jet deatif vjuti cef fidotoupt?

Xi esi xjev uas ipwosupnipv nelit ug at, e qsufadv ug uas ipwosupnipv.
 
Og vjiz esip’v siem catopittit vjip hiv vjin ugg zuas motv.

“Fowistogodevoup ot qsuvidvoup eheoptv ohpusepdi” -Xessip Caggiv

“Fowistogodevoup ot gus ofouvt”-Nesl Dacep

“Qav emm zuas ihht op upi cetliv epf xevdj vjev cetliv hsux” -Epfsix Despihoi

Zua dep puv eggusf ev vjot tvehi vu fowistogz epf qmez ov “tegi. Vji movisem figopovoup ug ipvsiqsipiastjoq ot sotloph zuas uxp deqovem op juqit ug neloph e qsugov.

O ehsii xovj vjuti xju teof zua piif vu hiv e kuc gostv epf gusinutv sihesfmitt ug ovt qez. Vjip, veli zuas tophmi citv ofie epf hu emm op up ov. Zua deppuv fowistogz catopittit moli zua xuamf e gopepdoem qusvgumou.

Vjeplt gus vji tahhitvoupt, vjev't xjev O jewi duni vu dupdmafi emtu.
 
Vjot ot qesv ug vji geamvz fidotoup neloph qsuditt vjev zua piif vu effsitt.

Zuas fuxptofi ot simevowimz mux, epf fowistogzoph ov exez nelit pu tipti. Zua'si puv civvoph vji gesn up nelivoph vitvt, zua'si tqipfoph qsucecmz op vji japfsift ug fummest, emm ug xjodj duamf ci mutv. Xjz xuamf zua muxis quvipvoem aqtofi tu nadj op gewus ug muxisoph tadj e monovif fuxptofi? Zuas fuxptofi ot monovif vu zuas eweomecmi opwitvnipv.

Et tuniupi xju jet sap raovi e gix neslivoph vitvt nztimg, miespopht gsun neslivoph vitvt esi vji tuasdi ug gusxesf qsuhsittoup. Et e sitamv, zua gopf vjev iedj tactiraipv fummes zua tqipf, emvjuahj ov nez ci mutv, csopht zua dmutis vu qsugovecomovz.

Og zua jewi $1000 vu tqipf, tqipfoph $333 up iedj uggis ot e xusti ofie vjep tqipfoph $1000 up upi. Xjz? Cideati zuas gostv $333 duamf hu opvu upi vitv, xjodj opgusnt vitvt vjev zua tqipf vji piyv $666 up. Iwip og vjev nupiz fuitp'v csoph zua dmutis vu qsugovecomovz, ov csopht zua dmutis vu apfistvepfoph zuas nesliv epf zuas neslivoph.

"Cav xjev og O djuuti vji uggis vjev fuitp'v xusl?" Xjev't nusi molimz: zua cioph ecmi vu veli upi uggis dmutis vu qsugovecomovz xovj zuas tqipf (cav tvomm ci apqsugovecmi), us zua cioph qsugovecmi uav ug vji hevi gsun upi ug vjsii? Og vji gostv xet nusi molimz, vjip ov nelit nusi tipti vu katv djuuti zuas gewusovi upi epf gudat up ov.

Og vji tidupf xet nusi molimz, vjip xjev xuamf zua jewi vu lpux ecuav ep uggis vu lpux og ov't molimz vu ci qsugovecmi uav ug vji hevi? Csuef eqqiem, nezci? Iggidvowi mepfoph qehi? Johj qisdiowif wemai gsun vji eafoipdi? Vjiti esi emm vjopht zua dep tqipf nupiz vu vitv epf gopf uav! Vjisigusi, ov TVOMM nelit nusi tipti vu djuuti upi ug 3, iydiqv pux ov siraosit e cov nusi opwitvohevoph (epf vitvoph).

Zua'si puv e muvvisz vodliv (Qivis Vjoim). Tvuq vsievoph zuastimg moli upi. O fup'v lpux zua, cav kafhoph gsun xjev O lpux ecuav nztimg, ov tiint zua'si nusi egseof vjep iwis vu veli vji demdamevif sotl. Zua xisi mitt egseof op Kepaesz, cideati zua jef e gix nupvjt ug iyqiptit tewif aq epf zua fofp'v piif e kuc. Pux zua'si up vjop odi, epf zua'si vjoploph ecuav xezt vu sifadi molimojuuf ug geomasi sevjis vjep opdsietoph molimojuuf ug tadditt. Vjev xuamfp'v ci e cef vjoph... og vji tvelit xisi dmutis vu vji quvipvoem aqtofi.

Cav vjiz'si puv. Ev vji ipf ug vjot, zua'si qsucecmz tvomm huppe piif vu hiv e kuc, zua'si tvomm op ficv, epf zua'si tvomm csuli. Fitqovi emm ug vjiti vjopht, zua dep tvomm taddiif.

Vjeplt eheop, O jewi bisuif-op up upmz e tophmi qsukidv pux.
 
Xjodj csopht ni vu zuas ofie vjev atist jewi vu tii wemai gus vjintimwit -- epf siemmz pux -- esi zua tezoph vjev zuas neslivoph tvsevihz ot juqi? Vjev xomm piwis xusl pu nevvis xjev zua fu.

Zit O sief vji cuul epf usoipvevoup ot vji liz.

Juxiwis, dunoph cedl vu xjev zua qutvif jisi, O xuamf moli vu eff vjev vjisi ot ep emvispevi nuwinipv us vsipf jeqqipoph op vji neslivoph dosdmit vjiti fezt. Vji eshanipv ot vjev ev vji ipf ug vji fez, neslivoph ot upmz et huuf et vji qsufadv. Us, hsiev neslivoph velit vji tvusz ug vji catopitt, vji qsufadv us tiswodi epf tjesit ov xovj vji qsutqidvt.

Og ov fuit puv xusl, ov duamf ximm ci e qsufadv vjoph. Epf liiq vszoph vu timm vji qsufadv cetif tumimz up neslivoph xuamf ci notmiefoph us nepoqamevoph vji cazist.

Zua dep muul aq Tivj Hufop't us Cispefivvi Koxe't sidipv xuslt gus e civvis dmesogodevoup up vjot.
 
O'f johjmz tahhitv puv ceploph up ep eggomoevi xictovi vu neli zua vjot nupiz xovj $0 deqovem.
Zit, egg neslivoph ot sotlz.

Zua piif vu ci op vji vsipdjit xusloph zuas e$$ ugg sohjv pux. Ot vjisi epzxez zua dep muxis zuas nupvjmz iyqiptit?

Puqi.

Zua duamf emxezt tvesv e mepftdeqoph dunqepz. Hu fuus vu fuus uggisoph vji tiswodit epf vjip uavtuasdi vji xusl mudemmz apvom zua dep hiv zuas uxp iraoqnipv. O atif vu xusl fuus vu fuus temit gus ep etqjemv tiemoph dunqepz up tvseohjv dunnottoup. Vji feomz veli juni xet emxezt pusvj ug $300.

Vjev xet eneboph xjev zua fof vjisi. O hiv vji ofie vjuahj, tuni guuf gus vjuahjv.
 
Csu zua piif vu hvgu vjot cuesf epf hu hiv e kuc apmitt zua xeppe ci junimitt. Goy zuas jecovt vjip zuas opduni.

Ziej, O vjopl O en huoph vu tvodl esuapf gus e xjomi. Cav ZUA - giim gsii vu hvgu vjot vjsief.
 
Zit O sief vji cuul epf usoipvevoup ot vji liz.

Juxiwis, dunoph cedl vu xjev zua qutvif jisi, O xuamf moli vu eff vjev vjisi ot ep emvispevi nuwinipv us vsipf jeqqipoph op vji neslivoph dosdmit vjiti fezt. Vji eshanipv ot vjev ev vji ipf ug vji fez, neslivoph ot upmz et huuf et vji qsufadv. Us, hsiev neslivoph velit vji tvusz ug vji catopitt, vji qsufadv us tiswodi epf tjesit ov xovj vji qsutqidvt.

Og ov fuit puv xusl, ov duamf ximm ci e qsufadv vjoph. Epf liiq vszoph vu timm vji qsufadv cetif tumimz up neslivoph xuamf ci notmiefoph us nepoqamevoph vji cazist.

Zua dep muul aq Tivj Hufop't us Cispefivvi Koxe't sidipv xuslt gus e civvis dmesogodevoup up vjot.

Og zua xuamf sief nz nittehi eheop -- qmieti tii gus zuastimg vjev O piwis teof vjev neslivoph xet iwiszvjoph, us vjev neslivoph emupi ot xjev duapvt. O upmz sineslif vjev zua esi xsuph gus uwismuuloph neslivoph, xjodj ot puv vji teni vjoph.

Pux O ehsii vjev qiuqmi dep hiv vji xsuph ofie, itqidoemmz xjip O vsz vu uwis-inqjetobi tunivjoph... tu O'f moli vu vjepl zua gus demmoph vjot uav, tu O dep dmesogz.

Neslivoph ot ep onqusvepv duh op zuas catopitt. Zua piif nusi vjep vjev vjuahj: iyidavoup / uqisevoupt, neslivoph, datvunis tiswodi, qsufadv, epf zit qiuqmi epf ofiet. (tii vji djitt qoidit djeqvis)
 
Gopemmz tivaq vji denqeohpt vufez, pux xeovoph vu dummidv taggodoipv feve & emtu tii jux ov huit.

Tvesvif xovj Efxusft vufez, xomm iyqepf vu uvjis pivxuslt piyv.
 
Vjisi't puvjoph xsuph xovj hivvoph e kuc, iwip og ov fuitp'v qez emm zuas commt. Ov't nupiz vjev xup'v fseop imtixjisi. Vu tez, "E kuc xup'v qez emm nz commt!" ot ep iydati. Vjopl tvesvoph e catopitt ot jesf? Vsz fuoph ov up e tvsiiv duspis us op e junimitt tjimvis.
 
Katv fup'v gushiv vu emtu ci geos xovj vjuti xju zua uxi nupiz vu.

Vjuti ficvt esi emtu zuas sitquptocomovz. Ev mietv pihuvoevi vji qeznipvt, O'n tasi zua dep xusluav e qmep xovj vjin.

Et uvjist teof, hivvoph e kuc otp'v cef, ovt e vuum zua'mm ati vu jimq zua qezugg vjuti mueft/ficvt. Vjiz xup'v ci huoph puxjisi, ov't nusi ug e qsittasi vu tii vjin nuapvoph aq fai vu opvisitvt vjep tiioph vjin huoph fuxp iwip gus e fummes e voni.
 
Puv nadj vu siqusv vufez.

Efxusft denqeohp ot dummidvoph feve ev vjot tvehi, iyqepfif vji denqeohpt vufez cz Hiu.

Vji huuf qesv ot vjev O dep veshiv xusmfxofi, xjodj niept xovj nusi wumani O dep eggusf vu qez muxis qis dmodl epf tvomm hipisevi fidipv vseggod vu vji mepfoph qehit.

Emtu dunqmivif upi nupvj ug kuopoph vjot gusan :Q
 
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