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Day 8: Prayer for Deliverance from Co-Signing

31 Days of Praying for Your Finances | with Jamie Rohrbaugh | OverNotUnder.com

Hey, beloved. Have you ever co-signed for someone? Or, are you considering co-signing right now?

If so, I pray you’d hear this ten-alarm warning bell: co-signing is financial suicide. And today, I am praying for your deliverance from co-signing … even if you’ve already co-signed a loan.

Yes, God can deliver you from loans you’ve co-signed.

Here’s my prayer for you today–a prayer for deliverance from co-signing:



(Reminder: I am going to share these videos over the next 31 days–one per day. If you haven’t already signed up for free email updates from this blog, be sure to do so so that you’ll get a daily email with the prayer video for each day! (Also, click here for the table of contents for this entire series.)


Does this prayer resonate in your spirit today? If so, leave a comment below and tell me what you’re believing God to do!

(By the way, please subscribe to my YouTube channel while you’re watching, so you don’t miss the other cool videos I post! Thanks!)

Day 7: Prayer for Courage to Handle Your Money

31 Days of Praying for Your Finances | with Jamie Rohrbaugh | OverNotUnder.comDo you need courage to handle your money today?

I know that, sometimes, money can feel so intimidating. When you’re faced with getting things in order, then suddenly doing anything else becomes more attractive.

You know. Things like:

  • Walking the cat.
  • Cleaning out your closet.
  • Detailing your car, alone, at night, in the dark in your driveway.
  • Installing a new backyard fence.

All of these things can be more attractive than getting your finances in order.

But you know what? That’s not from the Lord. The enemy wants you to feel intimidated because he knows that getting your finances in order will change your life.

BUT GOD!

HE wants to give you COURAGE to handle your money! You have not been given a spirit of fear, but of POWER, love, and a SOUND MIND!

Seriously. What would the world look like if you didn’t have to worry about money anymore?

[Read more…] about Day 7: Prayer for Courage to Handle Your Money

Day 5: Prayer for Fallow Seed Offerings

31 Days of Praying for Your Finances | with Jamie Rohrbaugh | OverNotUnder.comHave you given offerings to the Lord, asking Him for a harvest from your seed offering? Have you been waiting for your harvest with no sign of a return in sight? If so, pray with me today for all your fallow seed offerings!

God can and will bless you and bring you a huge harvest even when things look dead.

I know it’s hard to persevere in your faith sometimes. It’s way too easy to think that you mis-heard God, or the ground you sowed into must not have been good, or that sowing seed offerings doesn’t work after all anyway.

But beloved, sowing seed offerings DOES work; God can bring harvest even out of the worst ground; and He says that, in due season, you WILL reap–IF you faint not (Galatians 6:9).

I love the story of how Isaac got a supernatural harvest during a drought.

Genesis 26:1-5 tells us the story:

“There was a famine in the land, besides the first famine that was in the days of Abraham. And Isaac went to Abimelech king of the Philistines, in Gerar. Then the Lord appeared to him and said:

‘Do not go down to Egypt; live in the land of which I shall tell you. Dwell in this land, and I will be with you and bless you; for to you and your descendants I give all these lands, and I will perform the oath which I swore to Abraham your father.

And I will make your descendants multiply as the stars of heaven; I will give to your descendants all these lands; and in your seed all the nations of the earth shall be blessed; because Abraham obeyed My voice and kept My charge, My commandments, My statutes, and My laws'” (Genesis 26:1-5).

There was a famine in the land … but God told Isaac to stay put. It was a supernatural setup.

When God told Isaac to stay put despite the famine, He also promised to bless him there. He re-affirmed the covenant that He had made with Isaac’s father, Abraham, all those years before.

So, Isaac did as he was told. And you know what happened?

A supernatural harvest happened.

Genesis 26:12-14 says:

“Then Isaac sowed in that land, and reaped in the same year a hundredfold; and the Lord blessed him. The man began to prosper, and continued prospering until he became very prosperous; for he had possessions of flocks and possessions of herds and a great number of servants. So the Philistines envied him” (Genesis 26:12-14).

That’s right. The man sowed in famine–into what looked like a stupid investment; a fallow field–and God blessed him A HUNDREDFOLD. As a matter of fact, Isaac “began” to prosper–meaning, he had not been prospering before–and the people around him began envying him.

That’s right, folks. God can bring you a hundredfold harvest, even if your seed goes into ground that looks fallow.

If you believe God can bring you harvest from your fallow seeds, pray this with me:



(Reminder: I am going to share these videos over the next 31 days–one per day. If you haven’t already signed up for free email updates from this blog, be sure to do so so that you’ll get a daily email with the prayer video for each day! (Also, click here for the table of contents for this entire series.)

Do you have fallow seed offerings from which you need a harvest? If so, leave a comment below and tell me what you’re believing God to do!

(By the way, please subscribe to my YouTube channel while you’re watching, so you don’t miss the other cool videos I post! Thanks!)

Day 4: Prayer for Languishing Investments

31 Days of Praying for Your Finances | with Jamie Rohrbaugh | OverNotUnder.comHave you made some investments that haven’t panned out? Do you wish you could finally see some fruit from your languishing investments?

If you want to pray for your languishing investments, you have Scriptural basis to do so–even if you made a mistake while making those investments!

Isn’t that good news? You have a right to pray for God’s mercy and help with your investments if you are right with Him. Deuteronomy 28:1-8 says: [Read more…] about Day 4: Prayer for Languishing Investments

Day 3: Prayer for Past-Due Bills

31 Days of Praying for Your Finances | with Jamie Rohrbaugh | OverNotUnder.comAre you struggling to get your head above water, drowning in an ocean of past-due bills? If so, I want to pray for you today.

If your past-due bills are piling up, I believe God wants to help you.

The thing is, I also believe that neither you nor I may know the exact best way for Him to help us, so we need to depend on His wisdom and mercy. [Read more…] about Day 3: Prayer for Past-Due Bills

Day 2: Prayer for Current Bills Due

31 Days of Praying for Your Finances | with Jamie Rohrbaugh | OverNotUnder.comI was terrified.

We had just launched an official charitable organization for this ministry, and I was having a meeting with my CPA firm. They were telling me about all the things I needed to do now that we were official … and All The Things sounded expensive.

I went home and sat before the Lord that night.

I was reeling after my meeting, still seeing dollar signs circling in my head. All the things we needed to do were going to cost more money than we had; our income was going to have to increase on a monthly basis. I didn’t have the answer for that, but I knew who did. [Read more…] about Day 2: Prayer for Current Bills Due

31 Days of Praying for Your Finances

31 Days of Praying for Your Finances | with Jamie Rohrbaugh | OverNotUnder.comHey everybody! Are you ready for a financial UPGRADE? If so, it’s time to start praying for your finances more aggressively than ever before!

I recently recorded a number of short videos in which I prayed for you about 31 aspects of your financial life. I am going to share these videos over the next 31 days–one per day.

If you haven’t already signed up for free email updates from this blog, be sure to do so so that you’ll get a daily email with the prayer video for each day! (Also, click here for the table of contents for this entire series.)

The Lord is shouting in my spirit about praying for your finances.

I’ve just recently come off a week-long sabbatical, during which I just rested, spent time with the Lord, and spent time with my husband and son. During that sabbatical, the Lord spoke into my ear STRONGLY about praying for finances–yours, mine, this ministry’s, my church’s, everybody’s!

It’s simply a fact that Christians do not pray enough.

People in other religions have a set schedule on which they pray. They pray multiple times per day, like clockwork. But do we pray? Alas, we rarely pray as we should, considering that God moves on the earth in response to prayer. We don’t even pray to our One True God as much as pagan religions pray to their false god. Lord, have mercy.

But it’s time to change our prayerlessness. Would you join with me on a quest to pray as Jesus prayed? To seek Father like Jesus sought Him? To believe God like Jesus believed (and still believes)? I believe you will, and I’m glad for it.

Day 1 of 31 Days of Praying for Your Finances is about financial UPGRADES.

The Scripture the Lord has been speaking to me about this is Isaiah 60:17, which says:

“Instead of bronze I will bring gold,
Instead of iron I will bring silver,
Instead of wood, bronze,
And instead of stones, iron.
I will also make your officers peace,
And your magistrates righteousness” (Isaiah 60:17).

And in this verse, we see that the heart of God is to UPGRADE you.

Do you see how promises to stop bringing the little, cheaper things, and give you nicer things? For example:

  • He says He won’t bring bronze anymore; He’ll bring gold instead. (Bronze may be gold-ish in color, but actual gold is WAY better!)
  • Instead of wood, which is brown like bronze, He’s going to bring you bronze (which is way better than wood).
  • Iron may be silver in color, but that silver isn’t anywhere near as valuable as real silver. From now on, silver will be your portion instead!

In this verse in Isaiah 60, upgrade follows upgrade follows upgrade. I don’t know about you; but I say, “Lord, sign me up for those upgrades!”

So are you ready to pray for financial upgrades? Watch the YouTube video below and pray with me:

(By the way, please subscribe to my YouTube channel while you’re watching, so you don’t miss the other cool videos I post! Thanks!)

Huge Principle of Kingdom Finance: First Need, First Claim

Do you struggle with knowing how to balance paying your bills with giving? Do you want to step into God’s river of abundance? If so, today’s blog post is an encouraging word for you!

God’s Kingdom is a river of abundance.

He is an abundant God who lacks for nothing, and it is His will for His children to lack for nothing as well. God’s Word says this throughout its pages.

However, most of us are not there yet. We’re not flowing in that river … or if we are, it’s not all the time–and not as much as we should be. (I know I’m not where I want to be, anyway, and I’m just going to assume that most of our readers aren’t either.)

So how do we get there? How do we get into that river of abundance?

By learning God’s ways and knowing His heart.

Many years ago, I learned a Kingdom finance principle from the life of Rees Howells. This lesson has stood me in good stead all these years, and it works. I want to share it with you today, for I believe it will help you too.

If you’re not familiar with the life of Rees Howells, you can read all about him in Norman Grubb’s book Rees Howells, Intercessor. 

Related: My book review of Rees Howells, Intercessor by Norman Grubb

Basically, Rees Howells was a Spirit-filled intercessor and missionary in the first decades of the 20th century. He was a missionary to Africa, and he also founded a Bible college in Wales. He and his Bible college students prayed the Allies through World War II.

Grubb’s biography of Howells is, in my opinion, an absolute must for every person who wants to become powerful in God, learning to shake heaven and earth.

The principle is called “First need, first claim,” and it’s the way God taught Rees Howells to live.

What does this principle of Kingdom finance mean?

“First need, first claim” has several steps, as follows:

  1. You acknowledge that everything belongs to God.
  2. You accept that God is your provider, and you depend on Him to provide.
  3. You decide to live out your days obeying Him in every area. When He speaks, you obey. And …
  4. You acknowledge that God sometimes wants to get money through you while He’s also getting money to you.

Here’s how it looked in practical life:

Rees Howells worked a secular job for some parts of his life, but he also spent time in full-time ministry. Early on, he learned that he was dependent on God for provision (as we all are).

So sometimes, Howells would have plans, but the Lord would interrupt him … particularly regarding his plans for his (God’s) money.

For example, Howells would be walking from his house to the train depot, money in his pocket for a ticket to a gathering of preachers in a distant town. On the way, however, Howells would encounter someone in need: a widow, a child, a hungry man, etc.

When he did, God taught him that he was to use the money in his pocket–money he had saved for the train ticket he was to purchase a few minutes later–and help the needy person. It wasn’t easy, but Howells learned to obey. He would take whatever money he had and meet the need the Lord was leading him to meet.

However, that didn’t negate Howells’ need. He still had plans and needed to get to wherever he was going.

So, in faith, knowing that God had told him to go to that preachers’ meeting in that other town, Howells would walk on down to the train station like he was supposed to. Once there, he would wait.

Essentially, he was putting a demand on God to provide. He had had the money he needed; God told him to do something with it; he obeyed. But he knew God had also told him to go to the other town, so that meant that God’s river of provision would show up somehow and get him there.

And invariably, God came through.

Sometimes Howells would feel led to check his mail–and there would be a letter for him containing just the amount of money he needed.

Or, sometimes, someone else would find him and tell him that God had just put it on their heart to give him money–and hand him exactly what he needed.

Whatever the method, it always worked. Howells, acknowledging that the money in his pocket belonged to God, would do with it whatever God said … and he never lacked.

In this way, God taught Howells that the first person who needed the money God had sent him had the first claim to it.

“First need, first claim.”

The lesson of “first need, first claim” put Howells in an uncomfortable situation a number of times. After all, there’s much more peace of mind for our natural selves when we know that the money we need is in our pockets. Having everything we need in advance means we don’t ever have to use faith.

However, God doesn’t always work that way.

Oh, sometimes He does. Sometimes He’ll provide your need wayyyyy in advance. I love those times! Don’t you? When you don’t even have to give your need a second thought, or a second prayer?

But sometimes God waits.

He’ll wait until the midnight hour. He waits until the sun’s coming up. He’ll wait until the very moment when you need that provision now, and then, POP! He shows up, seemingly out of nowhere.

My husband and I have learned to live by the principle of “first need, first claim” in our daily lives and ministry.

And, to be very real, it actually gets fun after awhile.

Here’s the thing: God may send any number of situations our way, asking us to give. However, we have never gone without when our need showed up.

It works the same way with this ministry (From His Presence, Inc., our 501(c)(3) organization that owns this website). We may have plenty of ministry funds in hand from a great product launch, a large donation, or whatever. We love it when that happens! It’s fun, and it’s a huge relief from the stress of running a business.

But, almost every time that happens, along comes God.

He’ll put us in a place where we hear about someone’s need, and He’ll tell us to meet that need.

When He does, our thought process goes something like this:

“God, we have the money. But we need it to pay our email bill / hosting fee / payroll / virtual assistant etc. this month. Those things aren’t going to get paid if we don’t have X amount.”

And God looks at us with a big grin, raises His eyebrows, and smirks, as if He’s saying, “So what? That’s then and this is now. You need that money 10 days from now, but they need it today. You have the money and they need the money. That money came from Me, and there’s plenty more where that came from. Give it to them.”

It takes faith … a lot of faith.

I, at least, have not always had the faith that it will work out without problems. When the Lord first started teaching me about this, I obeyed but then was really, really worried afterward.

But faith can start small and grow. Even if you don’t have enough faith yet to see the way the whole thing will turn out in the Spirit, if you have enough faith to believe God and obey Him, you can trust Him: it will work out.

Even though we practice “first need, first claim,” we have never, ever, ever gone without.

Every time God asks us to give–first need, first claim, right?–He comes up afterward, just in the nick of time, and provides the need we thought we were keeping that money for.

After we have seen Him do this a huge number of times, it has gotten easier. So much so that I now believe we have tapped into a secret about His heart. A river of abundance, because all our needs are met even if we don’t see big balances in our bank accounts all the time.

It’s like this:

If you are willing to BE a river, God’s river will flow through you.

And when it does, it will benefit both you AND everyone else around you.

First need, first claim. Be a river. It works every time.

Has God ever spoken to you about this principle of first need, first claim? Do you have a testimony about how He has provided for you, even though you gave to someone else’s need? If so, please leave a comment below! I’d love to hear your thoughts!

Prayer for Actual, Literal Gold

Did you know that God likes gold? He does; true story. And as you read today’s blog post, I believe you may be as stunned as I am to read about how much God likes gold, per His Word. Read on, and pray the prayer for gold at the end of this post!

Here’s the backstory:

God really likes gold. He’s HUGELY into gold.

As a matter of fact, He surrounds Himself with it in Heaven … and I believe He wants you to have some here on earth. If you will stick with me in this rather unusual subject, I’ll explain why you should pray for gold–and provide you with a sample prayer for gold too: actual, literal gold.

First, here’s how we know God likes gold:

In Genesis 2:10-12, the Bible says:

“Now a river went out of Eden to water the garden, and from there it parted and became four riverheads. The name of the first is Pishon; it is the one which skirts the whole land of Havilah, where there is gold. And the gold of that land is good. Bdellium and the onyx stone are there” (Genesis 2:10-12).

In this passage, God is telling us what the world looked like right after creation (or at least, this version of creation, as the Bible also shows that a world existed before … but that’s another story for another day). In this newly-fashioned and formed world, God had many wonderful things. He describes them in detail in His Word, in the first few chapters of Genesis.

But right in the middle of that description, He specifically points out this place where there was gold: Havilah. And you know what else He says about gold? He said that gold is GOOD.

I first heard about this from Rabbi Daniel Lapin, who wrote a book called “Thou Shall Prosper: 10 Commandments for Making Money.” He points out that God called gold “good” right in the 43rd verse of the Bible … and the fact that it’s one of the very first things God says to mankind through His Word is pretty important.

So gold is good. God said so.

That point will preach, all by itself. I’ve been working on Rabbi Lapin’s book for a few weeks now, but that one statement still freaks me out. I think we all need to meditate on that verse; it will help break poverty thinking off you if you have any left (and we all do).

I’ve been pondering on this statement that I first noticed from reading Rabbi Lapin’s book, and I noticed this:

Jesus said that no person is good. Yet, He did call gold “good.”

Umm. Think about that.

People, who are made in God’s image (Genesis 1:26), are not good according to Jesus. They used to be good–because Genesis 1:31 says “Then God saw everything that He had made, and indeed it was very good. So the evening and the morning were the sixth day.”

When people were originally created, mankind was perfect. There was no sin on the earth, and people had not yet sinned.

However, when Adam and Eve sinned for the first time, man became sinful and corrupt as a species–and we were no longer good. Without the blood of Jesus, which makes us right with God if we make Jesus the Boss of our lives, we would be lower than gold on the value-scale.

BUT … Gold is a thing. It’s an inanimate object, obviously.

It has no will and no soul, and thus cannot make decisions for right or for wrong. So GOLD is still good. God made it good and it has stayed that way.

Here’s something that will freak you out if you think about it:

God surrounds Himself with gold in Heaven.

People say, “Oh, in Heaven gold is considered trash. God paves the streets with it …,” but that’s a load of hooey.

Think about it. Yes, God paves the streets with gold in Heaven. But the city of New Jerusalem is made of gold too. Does that mean God built the city out of trash? NO. God wouldn’t build His city OR His streets out of trash.

It’s much more likely that gold is one of God’s favorite things.

Maybe gold is a heavenly material that God saw fit to deposit on earth, just to make us long for eternity.

Maybe God deposited a little piece of Heaven on the earth, and that’s why gold has carried a mystique about it since the beginning of time. Maybe that’s why it gets into men’s spirit and makes them long for something more.

Maybe gold carries the very molecules of Heaven.

And maybe that’s why gold doesn’t tarnish.

Whoaaaaa.

And when you think about all that, if you’re like me, you just thought: “I need gold!”

Now, I’m not here to recommend or suggest any investment strategy or purchases. I am not an investment advisor, financial advisor, or legal counselor (consult your professional advisor, etc, etc). God may lead you through those things; I don’t know. But what I am here to say is that Papa wants you to have gold according to His Word.

Here’s how I know God wants you to have gold:

Genesis 2:10-12 (quoted above) says that gold is good.

Psalm 84:11 says:

“For the Lord God is a sun and shield; the Lord will give grace and glory; no good thing will He withhold from those who walk uprightly.”

Gold is good + no good thing will He withhold from those who walk uprightly = God will not withhold gold from you. And since Jesus said to ask for whatever you want, and it will be given to you, it makes sense that God wants you to have gold.

It’s as simple as that.

God wants you to have gold.

That doesn’t mean He wants to just dump it in your lap if you can’t be trusted with it. You need to be a good steward to expect God to bless you; and you need to become a better steward in order to see Him bless you more. That’s just the truth of God’s Word.

Plus, Haggai 2:8 says:

“‘The silver is Mine, and the gold is Mine,’ says the Lord of hosts.”

So everything belongs to God and He’s only letting you steward things when He entrusts them to you.

But He wants to entrust you with more as you become capable of stewarding it. And if you’re capable of stewarding it, He will give you all the good things you can handle.

And since God likes gold a lot, calling it a good thing …

And since Psalm 84:11 says that He will not withhold any good thing from those who walk uprightly …

Then I believe it would please God for us to ask Him for gold. Not to make ourselves wealthy. Not to hoard it or love it … but just as a way to do business.

After all, Jesus said to “occupy”–meaning in the Greek, do business–until He comes.

And a world of business is done through investing in gold. Just something to think about.

So pray this prayer for gold with me if you feel led by the Lord to do so:

Father God, I come before you in Jesus’ name. Father God, thank You for loving me and blessing me. Thank You for providing all my needs richly in Christ Jesus. Thank You for prospering me and blessing all the work of my hand.

Father, Your Word says that gold is good. Your Word also says that You will not withhold any good thing from those who walk uprightly.

Furthermore, You told us to occupy until You come; and the steward that Jesus described who got the most reward was the one who did the most business and turned a profit.

So Father, on the basis and authority of Your Word, I ask You to send me gold.

Lord, when You send that gold, teach me to steward it well. Help me to learn how buying and selling gold works. Teach me how to handle gold and how to invest in it safely, securely, and properly, as a faithful steward for Your Kingdom.

Lord, never let my heart become attached to gold. Don’t let me love it, crave it, hoard it, or worship it. Never let gold get in my blood, Lord; let only Your Spirit have influence over me. I refuse to be bound by anything except the blood of Jesus, Your Word, and Your Spirit.

But Father, with that said, I do believe that the wealth of the wicked is stored up for the righteous.

I believe You put gold here on earth for a reason, when it’s obviously a heavenly treasure. And I believe that, like you did for Noah, You forewarn us of events to come.

So Lord, because of Your Word, I have asked You to send me gold and I believe You will.

Let it come to me now, Father, and keep it and me safe. Help me to keep it, buy it, or sell it only in response to the prompting of Your Spirit, and make me wise with understanding about how to handle it to bless Your Kingdom.

Thank You, Father God. In Jesus’ name I pray, amen.”

Does this word about gold resonate with you? Has Holy Spirit been talking to you about gold? If so, or if you prayed this prayer for gold, please leave a comment below! I want to hear what you are sensing!