Category Archives: Discuss with me . . .

I like to hear what you are pondering . . .

You asked about . . .

You asked about . . .  Finances

Recently I conducted a survey from my readers

to find out what was on their mind.

 Survey says . . .

(Think Family Feud

for those old enough to remember).  . . .

FINANCES

was the number one concern.

I would have to agree that has been a major concern in our family for the past couple of years too.  As with many people in the past few years, my husband lost his job and was out of work for six months.  If we had not built up our  savings, we would have been in a world of hurt.  Well, let me correct that statement.  If my husband had not saved, we would have been in a world of hurt.  My husband is more disciplined to save than me, and I love to spend.  We manage our money together.  He keeps the checkbook balanced, and I make sure the bills are paid on time.

For those of you that have not made savings a priority yet I am here to say like Nike . . . “Just do it.”  Even if it is only $5 a month till you can do more.  Make it a habit today, or well over the next 21 days!  Yes, it is very hard, and I know that some people may not be able to save right now either.  Just like us, many people are in survival mode.  You can make it a game to look for ways to save, create a budget and stick to the plan.

Three things to help your financial status now:

  1. SAVE – general recommendation  is 3 -6 months of income.  I prefer 6 months in this economy, because it takes a while to get another job.  If you have nothing in savings right now, Dave Ramsey recommends a goal of $1000 to begin, or if it is easier to accomplish start with a goal of $500.  Then reset your goal until you have the three to six months in savings.  Yes, this make take a year or more to accomplish.  This is your emergency fund, but more on that next time.
  2. Create a Budget aka ‘Cash Flow Plan” – Look for ways to cut expenses. See NOTE Below.
  3. Ask the question, “Do I have the cash to pay for this right now?” Answer honestly. This has been the hardest lesson that I have learned through this trial, but applies at all times of life.  This question has curbed my impulse spending tremendously.  I literally will ask myself, “Do I/we have the money for this right now?”  Most of the time the answer is no, and I have learned to wait or plan a purchase.  Sometimes it is something that I really can live without, but just wanted at the time.  “If you do not have the cash for it, then you cannot buy it.” 

So, save, save, save . . .  It is more glamorous to have cash than to have credit card bills.  So the next time that cute outfit screams your name or for the men, that gadget begs to go home with you, ask yourself the question “Do I have cash to pay for this gadget/outfit?” Usually you will know the answer without consulting your bank account balance.

We are called to be good stewards of the resources God gives us.  An important resource for most of us is our family income.  When we are being obedient to God’s word in the area of finances, it leads us to be more disciplined in other areas of our lives.   Yes, there may be times in our lives that we desire to be good stewards, but our best efforts are to no avail.  Over the past year, I had great difficulty finding a permanent job.  For about 4 months I did not have a job.  All you can do in those moments is pray and ask God for wisdom and guidance on what to do.  I didn’t like it, but there were payments skipped when I was not working.   I finally got the chance to catch up in August when I found a permanent job!  Praise the Lord!

God saw my heart and knew that I wanted to pay my bills on time.  Actually, I prayed about it long and hard many days.  Remember that your credit score and your bank account balance are just a number.  (Should you care about them, and take responsibility for your financial decisions? Yes!)  They do not define who you are.  Only God can define us!  I am his precious child whom He loves dearly.  He loved me so much that He sent His ONLY Son to die on the cross for me, so that I may have a clean and open relationship with Him.

NOTE:  Sign up to receive my post by e-mail (I do not share your e-mail with any third parties!) as they are updated, and I will send you a simple budget form that is easy to use  with instructions on how to use it monthly.   This is a great tool to help you get started on your savings goal. On the right, towards the top of the page you can sign up under E-mail Subscription.

Share with us your money-saving ideas AND/OR how has you and your family weathered the economic storms over the past four years?

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Filed under Discuss with me . . .

I want to know what is on your mind . . .

Take the very short 2 question survey to let me know what you would like to know more about. This will help me to develop my blog to be more useful for you.  Thank You in advance for your valuable input!

4 Comments

Filed under Discuss with me . . ., Spiritual Growth

Discuss with me . . . prayer . . .

Please feel free to share

ways that help you

spend time in prayer

with Jesus each day?

2 Comments

Filed under Discuss with me . . .

Share With Me Your Favorite Verse & Why is it so meaningful to you?

I have many favorite verses,

which makes  it is hard to choose.

However, one of my favorites

is Psalm 34:18 – 19 (NLT):

~Photo Courtesy of Google Images~

The Lord is close to the broken- hearted, He rescues those whose spirits are crushed.

The righteous person faces many troubles (afflictions NKJV), but the Lord comes to the rescue each time.  

This verse became real to me while dealing with some painful times.  God was pruning and it was painful.  Yet I can look back now and see all the new growth that has come from letting go of bad attitudes, unfulfilled dreams and many mistakes I don’t care to count.   What I thought I wanted so badly or needed now does not have a strangle hold on my life.  All I need is Him . . . more and more of Him.  I clung to this verse when everything else felt like it was spinning out of control.  

The Lord held me close when all I could do was cry.  He gave me this picture one day, and I still go there some times when I am hurting.  It is a picture of  Jesus sitting in a bench swing in a beautiful English garden waiting for me to come spend time with him.  Then I come as a little child,  crawl up in His lap and He just holds me close as He strokes my hair and calms my anxious soul.  He wipes away my tears.  He is waiting for you.  Have you spent time with Him today?  It is so beautiful there, go see Him.  He loves visits with all of His children daily!

I can’t wait to read about your favorite verses!


6 Comments

Filed under Discuss with me . . ., Spiritual Growth

Are you on time for work, appointments, church, school etc . . ?

I have had a life long struggle of being on time.  I am working hard to get better at it.  However, this is a great challenge for me.  For my punctual pals share with me below what your tricks are for being punctual.  I really need to get better at this.  I really do try to be on time, but there always seems to be something to get me off task.  Thanks for sharing!
 
                                                                  

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Filed under Discuss with me . . .

I want to know what you think . . . You can post a comment why or why not?

I am in a debate with a friend of mine.   I would love to know your thoughts.  Please feel free to leave comments.

8 Comments

Filed under Discuss with me . . .