The Christian Broadcasting Network


The Law of Reciprocity

Overcoming a $100,000 Debt

By Zsa Zsa Palagyi
The 700 Club




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CBN.com - Rick Tandoc came to the United States from the Phillipines with only 100 dollars in his pocket. Over the years, he worked hard to provide for his wife Jane and their three children--  and always held very tightly to the money he earned.

Rick confesses, “I was trying to save whatever I could.  Why? Because I’m scared of the future.”

The Tandocs lived modestly, but put money away for their kids’ college education.  They took out loans for major purchases like their home and cars. And as they approached retirement, Rick worried about how he and Jane would pay off their debts on a fixed income.  Their debts had grown to over 100,000 dollars!!!  

Then for the first time, Jane heard about tithing at church.  “I’ve learned that what you keep, you lose… but what you give, you gain! I said to myself, “I think this is the way out…. Giving!  Because that’s what God said.”

Rick didn’t see it that way. “I said to the Lord, Lord you have to convict that woman, Lord, because she—I think she is wasting our money.  So I mean, you know how much I earn Lord, so I can’t afford to give this.”

But after praying about it, Rick decided to  trust god and give tithing a try.   The Tandocs slowly worked their way up to giving 10% of their income.

“After we started tithing,” Rick says, “There were money coming—unexpectedly coming in. All of a sudden an insurance money from way before telling us that oh, we just found out that you overpaid, so here’s your refund. God not only gave me back the finances, but He gave me as well wisdom—wisdom how to use the money.  Wisdom how to stretch the money.  Wisdom how to invest the money.

“Before we were giving, the money that we tried to save, it never grew, never grew,” says Jane.  “But after that, I’m telling you, it’s just multiplying.”

The Tandocs became 700 Club partners and increased their pledge several times.  Jane explains, “They are like fertile ground.  They are really doing the work of God. You Know? Hundred percent. So my heart was drawn to that!”

Soon Rick was promoted to a well-paying job as a postmaster! “God blessed me with a wonderful job. It’s because God said “If you honor me first, everything will be blessed.  I will bless the rest!”

The Tandocs were able to send their three children to college and pay for both their daughter’s weddings—all in cash.  And after Rick retired, he and Jane  worked diligently to pay off all their debt. 

Rick concludes, “Every time I look at my bank account right now, I chuckle.  I chuckle at the fact that Its growing and growing and growing because we faithfully gave God the 10%.  I would like to encourage everybody who are not yet givers and who are doubters, just try God.

Jane adds,  “You cannot out give God.  The more you give, the more you receive.  Trust God that He will do what He said.  Because in my life, He did it!

Being obedient to God's truth made an incredible difference for Rick and Jane. They made themselves available for God's love to flow through them to others, and they are reaping a blessing themselves as well. Join them in partnering with CBN. You will make a difference in lives around the world, through medical missions, food and clothing programs, humanitarian outreaches and so much—all in the name of Jesus. Please join today.

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