July 9, 2018

The cash envelope budgeting system is very basic, but generally a very successful way to make a budget. It is a bit primitive in our technologically advanced society. But most Americans are in debt up to their eyeballs, largely due to the fact that technology has made it very easy to go in debt. So, if the cash envelope system works, why not do it? I would suggest paying all of your BILLS (Mortgage, Electric, Phone, etc.) from your checking account,… Read more

July 6, 2018

When was the last time someone shared their criticism with you about something you were doing? Was it constructive or negative? Did you take offense or embrace the advice? The Bible gives us some insights on handling criticism, so the next time you’re approached by a critic, consider what these scriptures say. Sometimes We Need to Hear Crticism Whoever disregards discipline comes to poverty and shame, but whoever heeds correction is honored. – Proverbs 13:18 NIV Simply put, if we ignore criticism… Read more

June 28, 2018

The other day I received this email from a reader… “Hi Bob, When is it ok to say no in your giving? It seems through my giving I have gained a reputation of being a bank to some needy people. I myself am in debt and seem to give more than take care of my own needs. These same people have come to expect me to give and some have even demanded that I give more than I have to… Read more

June 25, 2018

Alright it is time to cut some expenses!  I encourage you to take a long, hard look at all your expenses and ask yourself, “Do I really have to have this?” Often times you will find that you really don’t and that giving it up for a short while (whatever it is) is well worth getting more of your debt paid off! So if you are ready to get started saving some money, then let’s get started!! 1. Car Insurance… Read more

June 9, 2018

Pay Off Your House Early When you are a homeowner, you may feel as though you will be paying your mortgage forever, but let me reassure you that you can pay off your house early! Let’s ponder this… “It seems like we will be making house payments forever. We owe $140,000 at 6% interest and are paying $1000 a month. How much sooner could we pay off our mortgage early if we started paying an extra $100 a month?” The… Read more

June 7, 2018

The Burden Load Principle “But if anyone has the world’s goods and sees his brother in need, yet closes his heart against him, how does God’s love abide in him? Little children, let us not love in word or talk but in deed and in truth”. 1 Jn 3:17-18 These verses tell us that if God’s love abides in us, we will put it into action. When we see a brother in need, we will not close our hearts against… Read more

June 4, 2018

Procrastination “For you yourselves are fully aware that the day of the Lord will come like a thief in the night.  While people are saying, “There is peace and security,” then sudden destruction will come upon them as labor pains come upon a pregnant woman, and they will not escape.”  I Th 5:2-3 This passage begs this question, “If we know that certain events are going to happen, why do we fail to take preventive actions?”   This isn’t just about… Read more

May 28, 2018

Frugal vs cheap Have you ever been called “cheap” by someone whose spending is out of control?  How do you react? Hopefully, you can simply smile and consider this designation as a backhanded affirmation that your frugality is being noted.   Of course you may indeed be a cheapskate:  always pinching every penny, never being satisfied with however much money you have accumulated, and basically living a self centered life. But, assuming you are simply a financially responsible person, reality is… Read more

May 25, 2018

Learning from Joseph What kinds of storm are you in? 10% of you are currently unemployed. 50% of you who have been married have also been divorced. Many have been through bankruptcy or foreclosure or repossession. All of us know what it means to lose loved ones. Some storms could have been prevented; some could not. The question is this: “How do you cope?” Joseph of Bible times was rejected by his siblings, unfairly imprisoned and lied to by those… Read more

May 21, 2018

Entrepreneur JC Penney was born in 1875 to a Missouri farmer and Baptist preacher whose Golden Rule philosophy (Do unto others what you would have them do unto you) impacted not only his personal life but his business life. Penney purchased one third ownership of his first store (named “Golden Rule”) for $2,000 in 1902. Five years later, he bought out his partners and was sole owner of three Golden Rule stores. By 1912 he owned 34 stores, a number… Read more

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