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Overcoming Your Financial Troubles

Newlyweds Scott and Brandi Spires started life together with credit card debt, student loans – and a job loss. Then, in a moment, they received a financial wake-up call that changed their lives ever. Read Transcript


WE HAD A TOUGH TIME PAYING

OUR BILLS.

WE HAD A TEENY ONE-BEDROOM

APARTMENT AND THIS OLD JUNKIE

CAR.

WE HAD ONE COUCH, ONE PIECE

OF FURNITURE RIGHT AFTER WE GOT

MARRIED.

LIKE MANY NEWLYWEDS, SCOTT

AND BRANDY STARTED OUT WITH VERY

LITTLE.

BRANDY HAD JUST GRADUATED FROM

COLLEGE AND WAS WORKING AT A

TUTORING COMPANY.

SCOTT WAS FINISHING HIS DEGREE

AND WORKING PART-TIME.

IT WAS A VERY EMOTIONAL TIME.

BRANDY AND I REALLY HAD TO SEEK

THE LORD ABOUT HOW WE WERE

SUPPOSED TO GET OUT OF THIS

FINANCIAL SITUATION, WHICH IS

VERY TOUGH.

THEN BRANDY LEARNED THE TO

TUTORING COMPANY SHE WORKED FOR

WAS CLOSING.

SCOTT SUGGESTED THEY BUY THE

BUSINESS.

IT SEALED IMPOSSIBLE.

THEY HAD NO MONEY FOR A

DOWNPAYMENT AND THOUSANDS OF

DOLLARS OF CREDIT CARD AND

STUDENT LOAN DEBT.

I TOLD BRANDY IT'S GOING TO

BE OKAY BECAUSE I FEEL LIKE GOD

HAS PUT ON MY HEART THAT WE'RE

SUPPOSED TO HAVE THAT BUSINESS.

THE OWNERS AGREED TO SELL THE

BUSINESS WITH NO DOWNPAYMENT.

THEY AGREED THE COUPLE WOULD PAY

THEM OUT OF THE MONEY THEY

BROUGHT IN THE FIRST YEAR.

NOW THE SPIRES HAD THEIR OWN

BUSINESS AND A LOT OF HARD WORK

AHEAD OF THEM.

THE FIRST YEAR WAS

FINANCIALLY VERY ROUGH.

WITH PAYROLL AND OTHER

EXPENSES, SCOTT AND BRANDY

WEREN'T CLEARING MUCH FROM THE

BUSINESS, BUT THEY SOON LEARNED

A LESSON THAT WOULD TURN THEIR

FINANCES AROUND.

I REMEMBER THE FIRST DAY I

LEARNED ABOUT TITHING.

WE WERE SITTING DOWN WATCHING

700 CLUB.

I LOOKED AT BRANDY AND I SAID I

THINK WE NEED TO START GIVING.

WE DIDN'T HAVE MUCH TO GIVE.

SO WE GAVE $20.

EVEN JUST $20 WHEN YOU HAVE

TO BORROW MONEY FOR FOOD

SOMETIMES, IT SEEMED SILLY AND

UNREASONABLE TO GIVE EVEN $20.

IF THEY DIDN'T HAVE MONEY,

THEY GAVE AWAY THEIR

POSSESSIONS.

THERE WAS ONE TIME WHERE WE

NEEDED $3500 BY 5:00.

AND GOD JUST PUT ON MY HEART,

HE SAID YOU GAVE, YOU DID WHAT

YOU'RE SUPPOSED TO DO.

EVERYTHING IS GOING TO BE OKAY.

THE DAY THE MONEY WAS DUE,

THE BANK CALLED SCOTT.

SO THE BANK SAID WHAT ARE YOU

GOING TO DO?

I SAID I WILL BRING IN A CHECK

BEFORE YOU CLOSE.

SO DO YOU KNOW SOMEONE THAT'S

GOING TO BRING YOU A CHECK?

I SAID NO, BUT I WILL BRING IT

IN BEFORE YOU CLOSE.

BEFORE 5:00 I WILL BRING IN THE

CHECK.

AND THEY SAID OKAY.

A FEW HOURS LATER, A NEW

STUDENT'S MOTHER WALKED IN AND

PAID FOR A TUTORING PACKAGE IN

FULL.

SHE COMES IN AND SAYS I WANT

TO BUY 140 LESSONS UPFRONT,

WHERE MOST PEOPLE BUY EIGHT OR

NINE.

IT WAS 4:30.

WE HAD 30 MINUTES TO GET TO THE

BANK.

SHE WROTE US A $4,000 CHECK.

THE BUSINESS HAS GROWN FROM

20 STUDENTS TO 70 AND FROM TOUR

TEACHERS TO TEN.

THEY BOUGHT A HOUSE AND PAID OFF

$40,000 IN DEBT.

WE GIVE MORE NOW THAN WHAT WE

MADE BEFORE WE GOT THE BUSINESS.

SO IT'S BEEN ABSOLUTELY AMAZING

ABOUT HOW GOD HAS BLESSED US

COMPLETELY WITH OUR PERSONAL AND

BUSINESS FINANCES.

EMBED THIS VIDEO


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