Giving (from Money for women only)

We started off Thursday morning's session with an object lesson. I'll have to describe it here, but know it was way better in person. :)

Each person had a card (or two or three) with a budget item written on it and a corresponding dollar amount. Two women (who claimed to be pretty good at math) volunteered to act as the married couple who would be making the budget decisions. I acted on the behalf of God, and another woman (who had the taxes card) acted as the employer.

So, pretending that I was God, I handed over $1,000 cash (real money) to the employer to give to the couple. She did this and in turn, the couple was forced to pay their taxes of $100. (We may never actually have that money in our hand because it is taken out before the check is deposited into our accounts; however, we DO receive the gross amount but immediately pay our taxes and insurance and our 401K contributions, etc. and it is ALL considered our income.)

Next, some of the women held up their cards for the couple to decide which bills to pay--like cell phone, eating out, entertainment, home decor, etc. Not all of the women were paid, so we went to the next set of women who held up their cards. These were items like debt, insurance, maintenance, etc. Again, not all of the bills were paid--the couple was wisely waiting to see what else they would be required to pay. So the third group of women raised their cards to request payment. These included mortgage, food, electricity, clothing--the necessities, and once several of those were paid, I raised my card--the tithe of $100.

At this point, the couple had about $170 left in their hands and had several other bills that had not been paid. It was a struggle to decide what to do, and our couple eventually came to the decision that they would give the whole amount, $100, to God, even though very little money was left to pay for debt and some of the other bills.

The question then came, "How difficult would it have been to pay the tithe if I had raised my card first instead of at the end?" Waiting until the end of the month to see if there would be money left to give to God is actually CAUSING us to not give. If we give the first 10% to Him right off the bat, we are able to make decisions to pay the bills with the 90% that's left according to the priorities of necessities first, wants and luxuries after that--and sometimes the bills don't ALL get paid, but as time goes on and we are obedient in giving and spending and saving wisely we are able to have money at the end of the month and then some.

(Using cash in hand actually makes a big difference when you're making spending decisions.)

To the rest of the lesson:

Last week I shared with you the principle that God has a job with respect to our finances and you have a job as well. God is 1) the Owner of everything, 2) He is the Provider of everything and 3) He is the Ruler of everything--our job is to be faithful managers of everything he puts in our possession. When we stick to our job and don't try to take on God's responsibilities, we experience a great deal of peace and freedom!

Now we understand that everything belongs to God--in 1 Chronicles 29:11-12 we studied what David had to say as He praised God for the provision to build the Temple and the role God plays as the owner, provider and ruler. Okay, so what do YOU have that belongs to God? What about your checkbook? Savings account? IRA or 401K that may be in the dumps right now? What about birthday money?

How different is a paycheck in your bank account? Does God not own that too? Does He not give instruction on that? Yes, He does, and we have to seek His word to find it because we have not been thoroughly taught.

Now I'm not here to crack down on you if you're not giving 10%. However, the "tithe" means 10%. If you're giving less than 10%, it's not a "tithe," it's an offering. If you're giving more than the "tithe," you're giving the tithe plus an offering on top of that and that is your choice. We START at the tithe as the baby step and then increase our giving as God leads us to do so. Pastor Keith has taught much on giving the tithe at the end of 2008, so I won't go into too much of this aspect of giving. I do want to bring to your attention a few things, though:

In Genesis 14 Abraham is the first person noted to give to a priest of God Most High. He gave a tenth of all the goods he recovered from his victory over the King of Elam. Not until much later, when Moses was give the Law after being freed from slavery in Egypt, were the tithe and freewill offerings required of the Israelites.

We do need to be careful not to become legalistic like the Pharisees in this--like the Pharisee in Luke 18 that when looking at the tax collector in the Temple said:

• "I thank you, God, that I am not a sinner like that tax collector over there! For I never cheat, I don't sin, I don't commit adultery. I fast twice a week and give you a tenth of my income." Luke 18:11-12

Jesus said, too, that "...you should tithe, yes, but you should not leave undone the more important things" like justice and mercy. (Matthew 23:23) He does not relieve us from our spiritual need to give to God the tithe merely because we are no longer under the Law. The tithe came about WAY before the Law, but we need to maintain a balance with giving and not forget to be merciful and kind, revealing the fruit of the Spirit in its many aspects: love, joy, peace, patience, kindness, gentleness, goodness, faithfulness, and self-control.

Other kinds of giving:

Giving to the poor and the needy, the widows and the orphans is high on God's priority list. He is passionate about this subject and wants to use us to help fulfill their needs. We're just going to scratch the surface with this--with a couple of examples that we also touched on last week.

• Matthew 19:21 Jesus said to the rich young man who wants to know how to have eternal life, "...sell all you have and give the money to the poor, and you will have treasure in heaven. Then come, follow me."

Jesus knew this man's heart. He knew that money was going to be the hard thing for him to give up to follow Christ. What does Jesus say to do with it? Give it to the poor--those in need.

• Matthew 25:31-46 talks about when you give food to someone who is hungry or give water to a person who is thirsty, or care for them when they're sick or visit them in prison--when you give to someone who is in need, you're really giving to Christ himself.

Now, let's turn to Acts 2:42-47. We see the early church right after Pentecost:

• "They devoted themselves to the apostles' teaching and to the fellowship, to the breaking of bread and to prayer. Everyone was filled with awe, and many wonders and miraculous signs were done by the apostles. All the believers were together and had everything in common. Selling their possessions and goods, they gave to anyone as he had need. Every day they continued to meet together in the temple courts. They broke bread in their homes and ate together with glad and sincere hearts, praising God and enjoying the favor of all the people. And the Lord added to their number daily those who were being saved."

Again, we see in Acts 4:32-35 more outpouring of this understanding that we own nothing and give to those who are in need:

• "All the believers were one in heart and mind. No one claimed that any of his possessions was his own, but they shared everything they had. With great power the apostles continued to testify to the resurrection of the Lord Jesus, and mush grace was upon them all. There were no needy persons among them. For from time to time those who owned lands or houses sold them, brought the money from the sales and put it at the apostles' feet, and it was distributed to anyone as he had need."

Thus follows an example in verses 36 and 37:

• Joseph, a Levite from Cyprus, whom the apostles called Barnabas (which means Son of Encouragement), sold a field he owned and brought the money and put it at the apostles' feet."
  

This was not a command that all believers must do as the early Christians did. I don't believe they were giving up their own basic necessities so someone else could have them, but they were sacrificing maybe larger homes and downsizing, selling off land they did not need in order to bring in an income, possessions that had value that they truly didn't need. They took the money they received for the sale of these possessions, knowing that "what they owned was not their own," to make sure that no one was lacking any necessity (food, shelter, clothing).

This was not a command--they were not required to do this. They chose to do so.

Seems pretty radical, doesn't it? Now we're not called to live completely without, and we're not called to be materialistic either -- there is a balance that the Holy Spirit brings when we seek God out for our daily decisions regarding spending, saving AND giving. We have to start letting go of what keeps us from having that "eternal life" that the rich young man desperately wanted--that we truly want!

At this point, I asked Amie Johnson to share her testimony regarding giving and also on her experience after understanding the difference between God's job and her job as a steward or manager of God's money and possessions. Amie is one of our small group leaders and has led a study using the book Money, Possessions and Eternity and has a passion to see others set free in this area of their lives. (She did a wonderful job at sharing, but I will not include that here--you'll have to ask her sometime!)


**Our homework for the week was to begin recording expenses on our 30-Day Diary--to the last penny. I have included a link in the previous blog post you can click on to print off a copy of your own if you like. We also received the Financial Statement form or Net Worth Evaluation to be used with the information taken from the Inventory we filled out last week. There is also a take-home Bible study sheet for this week that I can e-mail to anyone who would like to request it. (I'm still trying to figure out a good way to post it here to make it that much easier for you to access.)

Tools for assessing your current financial situation (from Money for women only)

I wanted to post some links on here to the homework I have given these past two weeks. Anyone can use them--they are free to download from the Crown Financial Ministries website.

• 30-DayDiary.pdf

The 30-Day Diary is for you to write down ALL your expenses, to the penny. The easiest way to do it is to keep your receipts and at the end of each day, sit down and record them all in the proper categories. You do not have to write down the "budgeted amount" at this time, although you can.

We want to track what we ACTUALLY spend in order to come up
with our current budget and then adjust it from there.  Don't
forget to get your husband's expenses, too--have him either give
you the receipts or write it down himself.  (use pencil)  ;)

• FinancialStatement.pdf

We use our information from the Inventory we took last week and compile the totals for the assets (the things we OWN) and the liabilities (things we OWE) and subtract the liabilities from the assets. Don't worry about whether you are in the negative or come close to zero. As we go along, you will be able to turn it around with the Lord's help for some good changes that are coming.

Once you have completed the Inventory and Financial Statement, you can begin to determine if there is anything you have that you can sell in order to fund your emergency fund (which we will talk about this week), pay off debt, or pay for something that is a need for you or your family.

God's Job vs. My Job (from Money for women only)

I've come across a lot of women who were unable to join us for our morning Bible study but would like to get the teaching, but I'm not doing video or recording it right now. So I had this idea that I would blog my lessons each week and see how that goes. (This does not include the take-home Bible studies or the homework--just the "message.")


Before we get started on talking about finances, I have to encourage all of you ladies out there (and husbands too!) that communication with your spouse is key when it comes to finances. You may be learning a lot and you may have a major breakthrough in your perception, but our spouses are not going to get it if we beat them over the head with it, make accusations or generalizations. All marriages could benefit from improved communication skills of the husband and the wife--all relationships, really. What you learn from this course, take it, share it with your husbands, but remember that the changes we're after here are initially for YOU. We'll dance and celebrate when you're both on the same page, though!!!

For all of you that are married, I'm sure you've already experienced the stress that comes in the area of personal finances--mostly when there's not enough money to go around and debt begins to pile up. These financial issues cause a huge strain on a marriage and are the leading cause of divorce in our nation, but we want to combat this force with the knowledge and understanding of the word of God and with prayer.

In fact, one of the reasons we deal poorly with money is that we don't know what our role in finances really is--or that there is even a division of roles. Most of us have not had the job training for this and we get totally mixed up by taking on responsibilities that don't belong to us. God has designed a system for us in which he has a job and we have a totally different job--want to know what they are? Keep reading....

All throughout Scripture, God lines out three main categories that He takes on as His job:

God is the Owner (of everything)

• Psalm 24:1-2 says "The earth is the Lord's and everything in it, the world, and all who live in it; for he founded it upon the seas and established it upon the waters."

OK, everything.... that's so incredibly huge, so general, so big and unfathomable in begins to fade out of my mind before it sinks in and well, I just forget and don't think about it anymore....it's just TOO big. But wait! He's not just the owner of everything in general, He says in Haggai 2:8 that "The silver is mine and the gold is mine," he says He owns the cattle on a thousand hills, the animals in the field, the little sparrow, he owns you and me. He says that the land is His and that it will not be sold permanently because, really, God never transferred over ownership to anyone. You may have that silver and gold in your possession, but it still BELONGS to God and always will.

So we understand that the first aspect of God's job is to be the owner of everything, let's look at the second aspect.

God is the Provider (of everything)

Picture a little infant. He can't feed, clothe, shelter or care for himself and is totally dependant on the care and provision of his parents. God looks up on in much the same way--as His little ones who need Him to provide for everything we need, and He's really the only one that can do that kind of job for us. In fact, God wants to be the one to do that for you and delights when you ask Him.

• Philippians 4:19 says "And my God will meet all your needs according to his glorious riches in Christ Jesus." [emphasis mine]

His glorious riches---God's provision never runs out. There is nothing that He can't and won't do for you when it comes to providing for your needs. Can He not then afford to provide you with food, necessary clothing and basic shelter? Our God is not poor and does not have to ration His supplies--His supplies never end!

If God is the Owner of everything and the Provider of everything, what is the third aspect of God's job that we need to be aware of?

God is the Ruler (of everything) He's in control.

In this sense, God is like the President, only the President of the universe with Super-Duper power. We read in 1 Chronicles 29:11-12:
"Yours, O LORD, is the greatness and the power and the glory and the majesty and the splendor, for everything in heaven and earth is yours.[He is WAY cool! Everything belongs to Him.]
Yours, O LORD, is the kingdom; you are exalted as head over all. [He's the KING--He is the highest in the chain of command and there is no one like Him] Wealth and honor come from you [We receive money and respect or recognition by others from Him]; you are the ruler of all things.[There is nothing beyond His rule] In your hands are strength and power to exalt and give strength to all. [He has the power to raise our rank, power, or character and to give us strength to do what He calls us to.]

There is nothing that happens that He doesn't know about, that He doesn't allow. He's sovereign and in control.

I want to share a story about how I came to understand this truth about God's job. Back in 2003, my husband, Gabriel and I were working diligently to squeeze out every penny we could in order to pay down a huge pile of debt by working with our own plan and budget. It was going okay, but Gabriel's estimation of the time it would take to be free of the debt was SEVEN YEARS! That in itself was incredibly depressing. So I would look in every area of our budget to see where we might be able to cut back to make it go a little faster.

We had bought a small, 1200 sqft home in Duncanville in July of 1998 when it was just the tree of us, Gabriel, Kate and myself. Kate was only 1-1/2 but she needed room to play and since I am a stay-at-home mom, she needed a place to run and play during the day. The house was small and not in the best of neighborhoods, but the back yard--oh, it was wonderful! It had a huge mulberry tree that shaded almost the entire yard; it was flat, fenced in, had a covered porch, and almost immediately, we had a swing set and sand box all set up for Kate and then Jacob when he came along in 2000. Becca arrived in the summer of 2002 and shortly thereafter--the minivan.

In the summer of 2003 we were staying with my in-laws in Tennessee for a week as our "vacation" in order to spend time with family (and we couldn't afford to really do anything else). My father-in-law is a CPA and happened to have a copy of Larry Burkett's The World's Easiest Guide to Finances on one of his shelves. I picked it up and devoured it, especially the chapters on how to save money and ways to pay down debt. I learned to look closer at your auto insurance policy and call around, cut coverage here and there, ways to use coupons for groceries, freeze some foods after you buy them on sale to have for later, turning back your thermostat in the winter and raising it in the summer, etc. Those were all great tips I would take back home with me and use them right away. However, there was one thing Burkett said that looked impossible to me--he said that if you have equity in the house (meaning you can sell it for more than you owe on it), you could sell the house, pay off debt with the profit and then rent an apartment while you save money to buy a house in the future.

The math was all there. Yeah, that would work, but.... what about the big back yard? An apartment with three children? It was pretty crowded with just one--how would we fit in a 800 sqft apartment with crying children? "No, no, no, no. That's just not going to work for us," I thought. So I decided to keep focusing on cutting back on expenses to try to pay down the debt. How absurd...sell the house... sure, that would work for a couple who's kids have already left the nest, but not for a family with a bunch of young children. Not us.

We returned home from our vacation, and I began to research the Internet for more of Larry Burkett's books and Bible studies. I was wanting to go through one, and since I happen to lead Bible studies (for women) at the church I attended, I thought I would get the leader's guide and do it there. I found one that looked like exactly what I wanted--one that showed results of life change. It was called the Crown Financial Ministries Biblical Financial Study for small groups. That's a mouthful. The problem was, I had to go through it before I could lead it, so I searched for a group that was beginning in the next month or so. Most in the area had already started or were not having the study that semester, but I did find one, way across town, that was starting the very next week and it had room for me. I had a real sense of urgency to get in RIGHT NOW--I couldn't wait until January when most churches offered new groups, so I started going, and the first week covered this very topic. God's part vs. my part.

I learned that God is the owner, provider and ruler of everything. Everything. That means that God is the owner of our minivan, our children, our money, our house, and yes, our backyard.

That got the wheels in my head turning. If God owns the house and backyard and everything else, then I own nothing. I learned that the house was not mine to do with as I pleased and if God wanted us to be out of debt and selling the house was His plan, then why not? So I talked with Gabriel about the idea and we decided to pray about it and do some research.

Gabriel and I had been praying for some time that he would be released from his current job and be given something different that enabled him to use more of his skills in mathematics or for him to be able to go back to school to get a master's degree in math. This seemed like a good opportunity--sell the house, go live with one of the set of parents while earning a little as an apprentice to a professor and living below the poverty level. Sounded like so much fun to me, but I said I was open to it all the while confessing that I really didn't want that.

It wasn't long after that discussion that we found the apprenticeship was not an option because of a lack of certain classes, so Gabriel asked, "Do you think we still need to sell the house?" as if the apprenticeship was the reason we were going to sell it in the first place. Well, we decided to spend some more time praying about it and we got some godly counsel from an elder of our church. One night, I had been spending some time in prayer out on the couch while everyone else had already gone to bed. I really wanted an answer before we made this huge decision, but I didn't hear anything. I then decided to go to bed, and as soon as I lay down to go to sleep, I heard God say three words, "Sell the house." (Not audibly, of course.) I told Gabriel the next day and then we had the realtor out with the camera and for sale sign.

We prayed for God's provision for a buyer for the house for 3 months, worked hard to keep it clean (with three kids at home) and ready to show at a moment's notice, painted and fixed what needed repairing. God provided and we were able to pay off all our remaining debt and have a little left over, and we moved in with my parents' house with no idea of what God had in store for us next.

So, in realizing that God is the owner, provider and ruler of everything, even the backyard, what is our job? What are we to do while God does everything else? Are we to be loafers and lazies that can't do anything for themselves? No, we DO have a job, a specific job. We're to be God's managers. The managers of his money and property while it's in our possession and not just any managers, faithful managers.

• 1 Corinthians 4:2 says "Now a person who is put in charge as a manager must be faithful."

We don't own anything, but we have been given money and possessions to manage for God while we are here on earth. And, because he's still the owner, we need to handle everything for the best interest of the owner, God, and the company, God's kingdom. But what does it mean to be faithful? What do we have to do?

If you joined us in our last study on the fruit of the Spirit, we learned a little about faithfulness. One of the things I took away with me from that is that in order to be faithful, we have to have faith in (and act on) who God is rather than what He does. And we find out about who He is through His word--the things he does change all the time, but He does not change. His character is always the same that that's what we put our faith in. If we have faith that God is good and fulfills His promises then we can trust Him to take care of us and do what He asks us to do.

He tells us what He expects of us, also, in His word, and we will be learning more and more over the course of these next nine weeks what that entails and how to apply it to our lives today, but let's look in Luke to find out what the big deal is....

• Luke 12:42-48 [Jesus is speaking to the disciples and crowds and giving a parable about being ready for the master's return and Peter interrupts him by saying "Lord, are you telling this parable to us, or to everyone? this is Jesus' reply:]
  

"The Lord answered, 'Who then is the faithful and wise manager, whom the master puts in charge of his servants to give them their food allowance at the proper time? It will be good for that servant whom the master finds doing so when he returns. I tell you the truth, he will put him in charge of all his possessions. But suppose the servant says to himself, 'My master is taking a long time in coming,' and he then begins to beat the menservants and maidservants and to eat and drink and get drunk. The master of that servant will come on a day when he does not expect him and at an hour he is not aware of. He will cut him to pieces and assign him a place with the unbelievers.
That servant who knows his master's will and does nto get ready or does not do what his master wants will be beaten with many blows. But the one who does not know and does things deserving punishment will be beaten with few blows. From everyone who has been given much, much will be demanded; and from the one who has been entrusted with much, much more will be asked."

Jesus is going to return one day, maybe today, maybe tomorrow, we don't know. How are you handling the owner's money and possessions? Are you ready for His return?

We see also in Luke 16:10-13 that how we handle our money directly affects our relationship with Jesus. Following God's word in your finances will help you grow in your trust and friendship with the Lord.

• "Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much. So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches? And if you have not been trustworthy with someone else's property, who will give you property of your own? No servant can serve two masters. Either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve both God and Money."

Here is the second part of my story:

We moved in to my parents' two story house around the first of February 2004 not knowing where God was going to put us--we were in limbo, you could say. Not long after the closing on the house, we found out we were expecting baby number four. Let me tell you, I was scared a little bit but thankful Gabriel still had a job and that God had it all under control.

That July, we were looking at apartments near the University of Texas at Arlington where Gabriel was to be taking classes in the fall, and my father passed away unexpectedly. I knew right then God had us there for a reason. I was moved when I realized that God allowed me to have time with my father those last six months and my children to get to know their grandfather. I remember my father had just taught my son, Jacob (who was four at the time) to stand on his shoulders (my father was over 6'2"), and they laughed and had lots of fun together. I felt God had us there to be a comfort to my mother and help her run the house during her mourning and that little Nate's arrival would be a great distraction during the holidays that would be coming, so we decided to remain there indefinitely and stopped looking at apartments.

Two weeks after my father's passing, God released Gabriel from his job. Yea! This was an answer to prayer! Not exactly what we were hoping for--there was no job waiting for him this time and we had no other income, only what was left over after paying off our debt.

Listen to this, we had no home of our own, we were living with my mother. My father had just died, and my husband, the only bread-winner, had just lost his job, and we had our fourth baby on the way. Would this not send any normal person into a bit of a depression if not clinical depression? But, you see, we had no debt, no house payment, no bills piling up because God led us out of all of that before we were hit with all of these trials. That's why I had to get in that Crown small group study RIGHT THEN so that I would understand what God wanted me to let go of to be where God wanted me/us to be in July that next year.

Gabriel received two months of wages as a severance package, and he only had to wait one month before God provided him with another job out in east Plano. We made a profit from his layoff. We remained with my mother through January of '05 and then were able to purchase a modest home in Wylie, TX, to be closer to where Gabriel was working and we have been blessed in so many ways since then--especially with our new friends and family but also new spiritual growth and opportunities to serve we would have never dreamed of--some we had!

All of this because we recognized God's job is not our job and we needed to get our hands out of what he was supposed to be doing--faithfully managing God's money and possessions.


I recommend reading The Treasure Principle by Randy Alcorn. It's a short read, but it gets right to the point. You won't be disappointed but quite possibly convicted. ;)

The old has past, the new has come...

Oh, I am so very thankful for January 2009! It's been one full year since I was declared free of the cancer that inhabited my body for those few months in 2007 and the physical healing began after the hysterectomy.

God's done some more healing of my emotions in regard to babies this year as well, and I am so grateful to be able to hold an infant in my arms and not fall apart inside. It just took my allowing Him to do it--all I had to do was let Him. Wow. I'm holding on to my little baby (now 4) a little tighter than I might have otherwise, but I'm merely treasuring the sweetness and sincerity in his heart that shines through his eyes and smile.

I'm so very thankful that these wounds are healing and in the past and a new day and a new year of hope dawns at this very moment. My medi-port was removed at the end of 2008 and my hair is steadily growing back (I SO need a haircut!), and I am only left with a scar to remember that trial.

As I am about to venture out and actually TEACH a Bible study this coming Thursday, I am amazed at what God has done and what He is calling me to do. I know it is nothing I could ever do on my own, but it is He that has given me strength, wisdom, and perseverance to write and prepare a study that I hope and pray will change the lives of many women and their families. I'm humbled and amazed that He would choose me.

Thank you, Lord, for the newness you create in our lives every time we turn around!

Money

*for women only*

Led by Wendie Beddingfield

Completely customized for the women at New Hope and our community, this study of God's word delves into the different aspects of earning, spending, saving, and attitudes toward this powerful tool God has given us. During the ten weeks of this course, you will not only discover freedom through what God's word says about handling money and possessions but also receive hands-on instruction in applying this knowledge to your daily life.

With understanding taken from the Bible as well as authors like Randy Alcorn, Howard Dayton, Larry Burkett, and Dave Ramsey, Wendie Beddingfield will cover a variety of subjects and focus directly on how God intends women to view and use money. Each week will introduce a new facet of application:

God's job vs. My job, Giving, Work, Spending, Debt, Saving, Honesty, Counsel, Teaching our children, and Investing & Eternal Perspective

Much like a Home Team, you will experience small group discussion, praise and worship, but you will also hear teaching each week on the various topics as well as first-hand testimonies of God's glory and special helps for application. Additional recommended reading is strongly encouraged to enhance understanding and application.

Materials for recommended reading: The Treasure Principle by Randy Alcorn, Your Money Counts by Howard Dayton, The Total Money Makeover by Dave Ramsey, Money, Possessions & Eternity by Randy Alcorn

**In joining this study, you will in no way be required to reveal any of your financial details with either the leader or the members of the group. Confidentiality is mandatory for all members.

Thursdays from 10:00AM to 11:30AM

starting January 22, 2009

Sign up in the lobby at New Hope Jan. 4 and Jan. 11

All classes will be held in the Zone at New Hope. Cost is $3.00 per person. Optional study materials may be purchased in addition to the basic course cost. See order form for more details.

Childcare provided by reservation & requested donation of $2 per child per week.