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When I was a boy, I saw a stereo at Foley’s department store that I wanted. My father agreed to pay for the stereo on the condition that I pay him back with the money I received from mowing lawns that summer. It was my first real loan in some ways. I received the benefits of the stereo immediately. I wore that stereo out too. But, I paid my father off as fast as I could with the lawn mowing money. In time it was completely paid off. Some of us seem to act as though that is the same way salvation works. That God did something for us and now we are trying to pay him off with service or church attendance or good works of some kind. But, that is an insult to the grace of God. When someone gives you a gift, it is meant as a act of kindness. You only have to receive it

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