Money

Hard to Make Ends Meet? Your Budget is the Plan!

1. A budget is nothing more than a plan for saving and spending money. It includes where the money will come from and how much to expect, as well as what expenses that same money will be used to meet. A good budget takes care of all the regular and important bills — like rent or mortgage, utilities, food, gasoline and insurance — and allows for the unexpected or occasional expenses.

2. With budgeting, when the paycheck comes in, the family already knows how much of this check needs to be set aside to meet the bills coming due, and how much is available for extras — perhaps dinner out and a movie. Everything is planned for and covered.

3. To live without a budget often leads to short-sighted decisions:
"If I have money right now, I can spend it right now. So if I want new clothes today, and I have the money today, why not spend it? The rent isn’t due until next week, so I’ll worry about that then.”

What are Your Choices?

There is an old proverb which says, "We would all be rich, if we didn't have to eat." This is simply another way of saying that we all have priorities, and we make our choices in terms of them.

Some men choose to be miserly on food, clothing, and shelter, because they value money so highly. They may like their family, but they love money more, and so they sacrifice everything to accumulate money. Others sacrifice for their children, and everything else takes second place in their lives.

Many other examples could be cited, but we can summarize it thus: we are always making choices, consciously or unconsciously, in terms of what we prize or love the most. Our choices reveal our faith.

Do You Want to Be Enriched?Premium Content

Proverbs 11:25-26
A generous person will be enriched,
and one who gives water will get water.
The people curse those who hold back grain,
but a blessing is on the head of those who sell it.

A generous person will be enriched . . .

We are living in a times of great need. Government leaders from all over the world are scrambling, doing what they think they should to stop imminent economic collapse. Unemployment is soaring. Housing prices are plummeting.

A generous person will be enriched . . .

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What Do You Think Jesus Wants You to Do?Premium Content

"My Yoke Is Easy."

What do you think Jesus wants you to do?

I'm not thinking of specific choices like whether to have pizza or turkey for lunch (I don't think He cares). But in terms of overall life choices and directions, what do you think He wants? There are probably a lot of answers to that question, but I'm thinking of one right now that I'll bet nobody else mentioned.

I think He wants me to quit. (It's okay if you're surprised.)

"Come to me, all you who are weary and burdened, and I will give you rest. Take my yoke upon you and learn from me, for I am gentle and humble in heart, and you will find rest for your souls. For my yoke is easy and my burden is light."

The scripture above is one of the most well-known passages in the bible. It's a source of comfort to folks who are buried under the weight of illness, despair, and impossible expectations. But it's even more comforting when we understand the historical context.

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Are You Worried about God's Provision?Premium Content


The name of the Lord is a strong tower;
the righteous run into it and are safe.
The wealth of the rich is their strong city;
in their imagination it is like a high wall.
Proverbs 18:10-11 NRSV


America is imploding on itself. And, unfortunately, as America goes, often goes the rest of the world. Home foreclosures are up; unemployment is up. Institutions that were reliable are shaky, at best. While it's important to be prudent, there may soon be no good choices left that provide for a stable economic future . . . except obedience to the Word. As believers, we always have a future and a hope (Jeremiah 29:11) because our trust isn't in the institutions and economy of this world, but our hope is in the Lord. The apostle Peter wrote:

He has given us a new birth into a living hope through the resurrection of Jesus Christ from the dead, and into an inheritance that is imperishable, undefiled, and unfading, kept in heaven for you.,/span> 1 Peter 1:3b-4 NRSV

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Get Back On Your Feet Because You Still Have To EatPremium Content

"Get Back On Your Feet Because You Still Have To Eat"

This little catchy phrase is a great motivator if you need to remind yourself why it is important to look for work and remember to keep your eye on the prize. Jesus never fails. Even when it seems like you are going to walk off into the abyss and you cannot see no way, God will make a way. You have to remember to ask yourself where is your faith in God.

Psalm 118:8 KJV
It is better to trust in the Lord than to put confidence in man.

First things first when you start to look for work is to remember what you can do and what you are good at doing. Remember that recovery takes one day at a time and in the beginning you have to heal in all areas of your life. When it feels as if you will not be able to reach your goal it is time to slow down, take a deep breath and remember your God given strengths and talents.

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Economic and Financial AbusePremium Content

Economic or financial abuse is one type of domestic violence. It shows up when the husband or partner refuses to allow his spouse to take part in financial decisions. He tells her or implies that women are inferior. He says they don’t have the intelligence or skills to handle finances.

He insists on keeping the checkbook and all financial records without letting her keep up to date with their financial status. Should he pass away first, she would have no idea how to pay bills, how to keep a checkbook, and how to handle the economic situation. She probably wouldn’t even know where he kept the checkbook and financial records.

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Help for Money Management & Debt ReductionPremium Content

BOOKS
Christian Books on Money, Debt & Financial Planning


MINISTRIES
Ronald Blue & Company
800-841-0362

Christian Stewardship Association
847-375-4741

Crown Financial Ministries
800-722-1976

Eternal Perspective Ministries
503-663-6481

The Gathering
903-509-9911

Generous Giving
423-755-2399

The Good Steward
704-841-7828

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Dealing with DebtPremium Content

Positive things you can do:

  1. Face your situation
  2. Set a Goal (make smaller goals in manageable steps to achieve it)
  3. Seek wise counsel
  4. Recognize that your choices matter and are significant
  5. Work Hard. Do not give up!
  6. Learn to be responsible
  7. Be committed to your family

Biblical principles of Money Management and Giving

You can learn more about these Biblical principles in Randy Alcorn's books:

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When You Have Nothing LeftPremium Content

"We have nothing left," the woman told me. "Absolutely nothing." She looked at the floor and shook her head.

Her husband, Chip gambled at the horse races and bought countless lottery tickets. He blew his paycheck, their money in the checkbook, and their retirement fund.

"My parents lent us money, but he gambled that away too."

She dabbed her eyes and continued, "Chip returned to the horse races to win back his losses, but of course, he didn't." She held her hand to her forehead and sobbed.

"We're going to lose the house."

When I asked if her husband would see me, she said she would ask him. "He probably won't come."

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