Christians Against Poverty (CAP) are a national debt counselling charity working within the UK, New Zealand & Australia to give hope and a solution to people bound by debt. www.capnz.org, www.capuk.org
Wednesday, 17 November 2010
The Beautiful Game
Ultimate Frisbee.
Once it's in your life, its very hard to forget how much fun playing Ultimate Frisbee is! Having played at uni and since moving to Bradford I have been trying to re-join a team but not surprisingly its been a little bit difficult due to no club team yet set up in Bradford. However, one of the other interns (Matt) played Ultimate Frisbee at Bradford Uni so when he asked if I wanted to play in a tournament this past weekend I jumped (quite literally, might have actually been bouncing up and down) at the opportunity! Being able to play again was a thrilling, intoxicating, exhilirating pleasure, the culture of an Ultimate tournament unlike any other, regonising old faces from previous uni tournament tours and making new friends an added bonus.
Ultimate Frisbee: The Beautiful Game.
Check this out: www.youtube.com/watch?v=24D8OgbqrV4&feature=related
Wednesday, 10 November 2010
Bradford
"I lift my eyes to the hills. Where does my help come from?
My help comes from the Lord, maker of heaven and earth." (Psalm 121 vs 1-2)
Monday, 8 November 2010
Monday November Morning Rain
Walking through the roar of rain spattered traffic, occasional blasts of scowling moor winds fling past us in a flurry of damp, torn leaves as we arrive at work, stung by the sudden cold.
As people drip in to the staff meeting room, a typical Monday morning at CAP begins with worship; putting God first in the week, ready for the days to come, we stand together and sing:
Turning our eyes upon Jesus, looking full in his wonderful face.
The things of earth, (Mondays, November and rain) grow strangely dim, in the light of his glory and grace!
Wednesday, 3 November 2010
Running the Race
my downward fall is broken by the memory of a race.
A children's race, young boys, young men; how I remember well,
excitement sure, but also fear, it wasn't hard to tell.
They all lined up so full of hope, each thought to win that race
or tie for first, or if not that, at least take second place.
Their parents watched from off the side, each cheering for their son,
and each boy hoped to show his folks that he would be the one.
The whistle blew and off they flew, like chariots of fire,
to win, to be the hero there, was each young boy's desire.
One boy in particular, whose dad was in the crowd,
was running in the lead and thought "My dad will be so proud."
But as he speeded down the field and crossed a shallow dip,
the little boy who thought he'd win, lost his step and slipped.
Trying hard to catch himself, his arms flew everyplace,
and midst the laughter of the crowd he fell flat on his face.
As he fell, his hope fell too; he couldn't win it now.
Humiliated, he just wished to disappear somehow.
But as he fell his dad stood up and showed his anxious face,
which to the boy so clearly said, "Get up and win that race!"
He quickly rose, no damage done, behind a bit that's all,
and ran with all his mind and might to make up for his fall.
So anxious to restore himself, to catch up and to win,
his mind went faster than his legs. He slipped and fell again.
He wished that he had quit before with only one disgrace.
"I'm hopeless as a runner now, I shouldn't try to race."
But through the laughing crowd he searched and found his father's face
with a steady look that said again, "Get up and win that race!"
So he jumped up to try again, ten yards behind the last.
"If I'm to gain those yards," he thought, "I've got to run real fast!"
Exceeding everything he had, he regained eight, then ten...
but trying hard to catch the lead, he slipped and fell again.
Defeat! He lay there silently. A tear dropped from his eye.
"There's no sense running anymore! Three strikes I'm out! Why try?
I've lost, so what's the use?" he thought. "I'll live with my disgrace."
But then he thought about his dad, who soon he'd have to face.
"Get up," an echo sounded low, "you haven't lost at all,
for all you have to do to win is rise each time you fall.
Get up!" the echo urged him on, "Get up and take your place!
You were not meant for failure here! Get up and win that race!"
So, up he rose to run once more, refusing to forfeit,
and he resolved that win or lose, at least he wouldn't quit.
So far behind the others now, the most he'd ever been,
still he gave it all he had and ran like he could win.
Three times he'd fallen stumbling, three times he rose again.
Too far behind to hope to win, he still ran to the end.
They cheered another boy who crossed the line and won first place,
head high and proud and happy -- no falling, no disgrace.
But, when the fallen youngster crossed the line, in last place,
the crowd gave him a greater cheer for finishing the race.
And even though he came in last with head bowed low, unproud,
you would have thought he'd won the race, to listen to the crowd.
And to his dad he sadly said, "I didn't do so well."
"To me, you won," his father said. "You rose each time you fell."
And now when things seem dark and bleak and difficult to face,
the memory of that little boy helps me in my own race.
For all of life is like that race, with ups and downs and all.
And all you have to do to win is rise each time you fall.
And when depression and despair shout loudly in my face,
another voice within me says, "Get up and win that race!"
by D. H. Groberg
Monday, 1 November 2010
Autumn
Swirls of bronzed leaves warm the ground like banks of embers, glowing on the scattered pavements; quenched when the clouds break and it rains.
Right now the skylight is latticed with raindrops, a staccato flow above my desk as I call multiple people for their RSVPs, trying to get over 300 people to come to the Client Awards and Fundraising Dinner in London, the dial tone drumming in time with the muted thunder.
Someone answers.
Hello?
Saturday, 23 October 2010
Fundraising Dinners
We had a fundraising dinner in Manchester just last Friday night so in the lead up to that we've been sending out invitations, getting menu chioces out to people and doing lots and lots of phone calling for RSVPs. The actual organisation of the dinner is probably the easiest part, the hardest part is getting people to RSVP to us within enough time!
Anyways, 140 people said they would come, which is great! One of the fantastic things about CAP is that despite being a charity, they are extremely business like and professional and they want to do the best that they can, and give the best that they can. For example, they want to give the best debt advice and counselling service possible, believing that just because the people they help are poor, this does not mean they should get a poor service.
This is extended into everything that CAP do, including their events which means that everything is meticulously planned and thought out. For the fundraising dinners, by getting a well known, respected venue to host us gives a great impression and so last Friday the dinner was held at The Lowry Hotel in Manchester - one of the swankiest places I have EVER been to! As a charity, they have got very good at gettting things really cheap so although The Lowry is normally ridiculously expensive they managed to get room hire and a three course meal for an absolute steal! (Although I guess it helps the business of the hotel if they have just had over 100 people come to an amazing dinner and enjoy being there.)
We got there around 2pm to do all the set up such as table decorations and drinks reception before the guests started arriving at 7pm. I and a couple of others registered them, (whilst Manchester United footballers walked past - apparently a lot of them stay at The Lowry!) they had a small drinks reception and then we all went in and sat down for the meal. Matt Barlow (Chief Executive) welcomes everyone, says grace and we have starters. I was a table host for the evening which was quite scary to begin with, but meant I just needed to be a point of call for those who maybe didn't know all that much about the work of CAP and so wanted to know more. Did test my 6 weeks worth of CAP knowledge quite a bit though!
After starters they showed a short 6 minute DVD which gives a brief explanation about the work that CAP does. There are some amazing client testimonies in the DVD as well, which although I've seen it loads of times by now, still breaks my heart with the pain of what some people go through, and yet shows the light and redemption that God brings through CAPs intervention.
We then had our main course, and after that there were two clients there that evening who had come to share their stories. One was a lady called Stella and another lady called Kerry. Two really brave women with a fantastic testimony of God's love and grace in their lives who just explained what the impact debt had on their lives before CAP were involved, the impact which having that hope of being free from debt had, and then the impact church and coming to know Jesus had on them and their families - amazing!
John Kirkby (founder and international director of the charity) then gives a talk with more of the background, vision and heart of CAP. I've heard the talk quite a few times by now through different events, and yet it is always so inspiring - John's passion and belief that this nation can be changed and that people can be reached with the good news of the gospel is incredible.
So after giving peiople the vision and heart of the charity, and after hearing from some of the clinets who have been helped by CAP, John then gives people an opportunity to respond financially. Because the tickets to the dinner are free, people are never under any pressure to give - they can just come, have a great meal, and then leave although most people are so touched by what they hear that this doesn't happen very often!
Anyways, it was amazing - in the end people gave around £180,000 in gifts of pledges that evening. Really humbling to see God's provision to CAP through such amazing people.
Tuesday, 19 October 2010
CAP Money
Total UK personal debt at the end of July 2010 stood at £1,456 billion.
The average household debt in the UK is (excluding mortgages) £8,628. Including mortgages it is £57,810.
The average consumer borrowing via credit cards, motor and retail finance deals, overdrafts and unsecured personal loans has risen to £4,447 per average UK adult.
The average owed by every UK adult is £29,929 (including mortgages) which works out at 126% of average earnings.
(Credit Action Statistics)
Whether we like it or not, money is important - it affects almost every aspect of our lives and as these statistics show, how we spend our money today can have a drastic impact on how we live our lives tomorrow. With this amount of personal and household debt many people are looking at house repossession, bankruptcy and bailiffs - issues that CAP deal with every day, on behalf of their clients.
However, a few years ago CAP realised that there must be more they can do to stop people becoming clients, to prevent people from getting into the amount of serious debts CAP daily deal with.
So CAP Money came to be. A simple money management and financial planning course run through local churches, one night a week for three weeks - there are now more than 700 churches trained to run the course and more than 10,000 people this year will have attended and "graduated" from a CAP Money course.
The CAP Money system is tried and tested, works irrespective of income or financial know-how and is based on three basic principles:
- Building and living on a budget
- CAP Money system of 3 accounts - one for cash, one for regular payments and one for saving.
- Living from week to week using cash, not card.
Regardless of how much or how little money we have, all of us can struggle to manage it and have the right attitude towards it. Being in control of our money can be a very simple process (such as the above), and when we are in control of our money, rather than our money controlling us we find that not only is our life fuller but our money can be used as a tool for good so much more easily!
One of the local churches in Bradford was running it this October so I decided that I should probably go along to one of these courses and see for myself what all the fuss was about! Anyways, it was suprisingly easy, suprisingly fun and even though I didn't have particularily poor money management skills, it really helped me to be in even more control of my finances.
They go through our budgets with us personally, give us a few hints and tips to make it easier and show us extra ways we can save money. The CAP Money coaches were brilliant - very reassuring and so eager to help us with everything. The simple but effective methods of having three seperate accounts and then only using cash is really helpful as it makes sticking to a budget so much easier.
This is something I'm realising that a lot of people my age haven't had a chance to learn about - money management, budgeting or financial planning aren't necessarily in every school or university curriculum so I feel very lucky to be able to do the course!
One of the most exciting things from doing the CAP Money was that I realised I can save a lot more than I am at the moment (I thought only getting paid £80 a week would make that difficult but CAP Money has shown otherwise!) and I can also afford to give away much more than I am at the moment - how exciting to realise that I can become not only a channel of God's love and peace on earth but also of his money and resources!