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Manage your money – 3 Tips

Manage your money – 3 Tips

Although the Bible doesn’t tell us that money is evil – it is actually amoral as it has no emotions, no thoughts or ideas. But the Bible does tell us that the love of money is the root of ALL kinds of evil (1 Timothy 6:10). That must make us take pause and see why God is so adamant against the “love of money”. You need to manage your money.

That’s why it is important to manage your money.

manage your money

When we took Financial Peace with Dave Ramsey we learned some very important tips in getting control of your money. This is an act of will. And as Dave says: “It is as you will it.” This is just the beginning of getting a handle on money but I thought I would share the first 3 tips with you today. If you are near a church that is running a Dave Ramsey Financial Peace University –  GO.

Three Tips to manage your money

1.The Emergency Fund:

This is the most important thing for every family to start to build – forgetting everything else until you have this in hand. Start putting money aside to build up your first one thousand dollars. Put it where you cannot reach it easily but that you can access it if you have an emergency. Dave gives many ways to build up this fund. You can sell “stuff”. Yes all that stuff you have stored in your homes, your closets or your storage units. Get the money. You can get a short-term second job – whatever you can do. You must change your mental thinking. It is a paradigm shift. Pray for God to reveal the way to do this.

2.Tackle your debt:

We were told that back in the 1900s credit was not issued and people had to pay with the money they had. (Novel idea, eh?) Both Sears and Ford did not offer credit at first. By the 1950s credit cards started to enter the marketplace. Banks became smarter and smarter (we became not so smart). Today they offer credit to younger and younger people – to get them into their branding and to start a trend of buying before you have the money.

Debit is not a privilege – but a product. We are begging to buy from them. @authorjaniscox

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(Dave’s talk – paraphrased)

Banks are much better at selling than we (as consumers) are at buying. (Dave’s talk – paraphrased)

The borrower is a SLAVE to the lender (Proverbs 22:7).

The first step, after building an emergency fund, is to tackle the debt. Dave Ramsey suggests a method he calls the Snowball Method. After writing down your debts in a list, you tackle the smallest one first. Work on that hard (an extra job, helping out, selling, or just watching what you spend until you get this done). Once you have paid that off – then you take the payment you have been making on it and add it to the second debt. Work. Work Work. Get this finished.

Dave says we need to have a “plasectomy” – get rid of the plastic. Cut it up. Quit borrowing more money. Stop. Don’t buy anything  but essentials until you get out of debt.

When he mentioned selling stuff to get out of debt – Dave said, “sell so much that your kids think they might be next!”  @authorjaniscox

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3.Get a 3-6 month emergency fund:

This is important – in case you lose your job, or get sick. Once again work on it – work on it – work on it. It becomes your entire focus.

Some great quotes:

If your broke friends are making fun of you, you are on the right track!

manage your money

It is an attitude change. There is hope. We must think differently. Life is too short to be normal.

Today is Word of God Speak – Join us with your link

 


DOES GOD SEEM ABSENT?

Divine Rehabilitation

by Violet Nesdoly (reprinted with permission)

Revive and Restore Us

“…Revive us, and we will call upon Your name.
Restore us, O Lord God of hosts,
Cause Your face to shine
And we shall be saved” (Psalm 80:18b,19, NIV).

In Psalm 80 the writer Asaph Israel’s expresses misery away from God.

  • They feel that God has abandoned them (Psalm 80:2).
  • He seems angry and indifferent (Psalm 80:4).
  • There is lots of crying (Psalm 80:5).
  • They are the butt of their neighbours’ and enemies’ jokes (Psalm 80:6).

Then Asaph uses the vine imagery we see in other places (e.g. Isaiah 5:1-7). He describes how the hedges protecting the vine (Israel) are broken down so that passersby can help themselves to her. Wild animals trample, root out and devour her. She is eventually cut down and burned (Psalm 80: 12-13,16).

Does your heart resonate with Asaph’s description of Israel’s misery?

  • Does God seem absent (“Come and save us…“)?
  • Angry (“How long will You be angry / against the prayer of Your people?“)?
  • Are you grief-filled (“You have fed them with the bread of tears, / And given them tears to drink in great measure“)?
  • Do you feel vulnerable (“You have broken down her hedges…“)?

Such low times come to us for a variety of reasons. Sometimes we’re in a Job-like spot—suffering for reasons only God knows. At others we’re to blame. Like the prodigal son, we’re experiencing the consequences of our own folly.

Whatever the reason we’re in this spot, we can continue to pray along with Asaph to the climax of his prayer. We can present ourselves to God in repentance and submission as we petition Him to do His part in our rehabilitation, in whatever way we need it: physically, mentally, emotionally and especially spiritually: “Let Your hand be upon the man of Your right hand …. Revive us …. Restore us…” 

 Prayer:

Dear God, when I am in distress because of something I have done, help me to find my way back to you. When I am in distress for reasons I don’t understand, help me to trust Your wisdom. I can come back to You but I can’t revive myself. I need You to revive and restore me. Amen

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Violet Nesdoly

Violet freelances in several genres and has been published in a variety of print and online publications. Her articles, stories, and activities have appeared in Keys for Kids, Devotions for Girls, Devotions for Boys, Clubhouse, Guide, Primary Treasure, Partners, Pockets and others. She has also published two books of poetry and is an avid blogger. She is a member of Inscribe Christian Writers’ Fellowship and a professional member of The Word Guild.