A Life Worth Living by Nancy Buxton

Archive for March, 2009

Have You Heard of Dave Ramsey?

Who says you can’t learn something from your children.

One day my daughter called and told me she was getting on the Dave Ramsey plan? I asked her about it and she informed me that it is the best thing she could find to save money.

Now my daughter is frugal any way, I really didn’t think she needed a plan, but I didn’t tell her that. (I believe it is better to give advice when someone asks for it not before).

For those of you who don’t know–Dave is a Christian man who loves to help people get rid of debt.

I have come to think the perfect gift for every couple when they get married is the book, The Total Money Makeover.

I don’t have the room or the time to tell you the plan but I hope you will read it for your self.

Dave also has a radio program, here in Lincoln, NE it is on every weekday from 12-4 and you can learn a lot just listening to other peoples questions and Dave’s answers.

In chapter 13 Dave talks about wealth and how a person can become enamored with wealth. We can easily start to worship money, especially after we have some.

Really it is our spiritual duty to be able to do good for others and bring glory to God. Giving of our time, energy and money is a geat way to Glorify God.

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Have I Told You?

I know I haven’t told you that I am a. . .well, a. . .a… a… a bargain hunter.  I love a good deal.  I clip coupons and I use them.  I even file my coupons and I have stacks of them.  I have been known to dig through the recycling bin to find just the right coupon.  It is a little embarrassing when someone recognizes me.  On day a lady even expressed her sympathy for my having to do this because of the economy.  I didn’t tell her I don’t HAVE to do it, I like to do it, any way I don’t have to yet. If I worked for AIG and got one of their fat bonuses I would never have to do it.

Here it is, right here in print, I am a CVS and Walgreen’s junkie!  I find really great buys at both of these stores combining my coupons and the weekly specials.

I want to give you some ideas on how to save money at the grocery store, here goes:

1.  Look at the weekly ads online or in the newspaper before you go to the store.  This way you can match your clipped coupons with the specials.

2.  Combine online printable and clipped coupons with specials.  There are even bloggers who blog what special and what coupon works best.

3.  This is a hard one for me!  Make a meal plan.  Start by going through your cupboards and fridge to know what you have on hand.  You do save money by using everything you have and not throwing away any thing.

4.  Another hard one.  Shop at several stores.  Each store has good deals try taking advantage of each special, if it is not miles out of the way.

5.  Don’t impulse buy.  If you make a list you will know exactly what you need and don’t buy any thing more.  Make it a game.

6.  Watch your sizes!  The price is broken down by price per unit sometimes the larger size is the best buy but not always.

I wish I would have been more frugal years ago, we would have a little more savings but live and learn.  Actually, I believe it is my responsibility to take care of the money God has given me. Dave Ramsay has a saying, “live like know one else today so you can live like know one else later.”  You see giving back is the fun thing about having a little extra money.   Oh I feel another blog subject coming on.  I think it will be called living without debt

 

Why Are We in This Mess?

I read this account of what our financial problem is. It gave me food for thought.

David Beim, a former banker who is now a professor at the Columbia Business School, has something to say for people who want to pin this whole thing on the banks.

He has a chart illustrating how much debt American citizens owe, how much we all owe — with our mortgages and credit cards — compared with the economy as a whole. For most of American history, that consumer debt level represented less than 50 percent of the total U.S. economy, as measured by gross domestic product.

And then …

“From 2000 to 2008, it’s almost a hockey stick. It just goes dramatically upward,” Beim says. “It hits 100 percent of GDP. That is to say, currently, consumers owe $13 trillion when GDP is $13 trillion. That is a ton.”

This has happened before. The chart shows two peaks when consumer debt levels equaled the GDP: One occurred in 2007, the other in 1929.

And that scares Beim.

“That chart is the most striking piece of evidence that I have that what is happening to us is something that goes way beyond toxic assets in banks. It’s something that has little to do with the mechanics of mortgage securitization, or ethics on Wall Street, or anything else,” Beim says. “It says: The problem is us. The problem is not the banks, greedy though they may be, overpaid though they may be. The problem is us.”

What do you think? Do you agree?

Why ME God?

Oh if only I could tell you the number of times I have asked God why me!  When I was asked to be the director for Women’s Ministries I had a good talk with God and asked Him what in the world He had in mind.  This was not a job I wanted nor even thought of wanting. 

In the book  If You Want to Walk on Water You’ve Got to Get Out of the Boat by John Ortberg,  I found that getting out of my comfort zone was something God expected of me.  I like being in my comfort zone but it is not practical in Christian growth.

Here is the best evidence that God knows what He is doing.  Desire of Ages reads, “As His representatives among men, Christ does not choose angels who have never fallen, but human beings, men women of like passions with those they seek to save.”  GET THIS, “Divinity needed humanity; for it required both the divine and the human to bring salvation to the world.”

WOW, I like the idea that I was chosen over the angels to help God.  No wonder I have to get out of my comfort zone.  How about you? Are you with me?

What Would You Do If You Had No Fear?

At the Kansas City one day retreat pastor Febiola Vatel asked the question “What would you do if you had no fear?” Have you ever thought of this? When the doctor told us that our son needed a scan of his brain, I had fear. Later I thought why am I so afraid when I know God has every thing under control. I wonder—can a person ever get to the point of knowing God takes care of every thing no matter the out come? God knows best and what ever happens it is in our best interest. My head tells me God knows and does everything to my good but my heart gets in the way. Does this make sense? Hummmmm am I thinking too deeply about this or not deep enough?

What would I do if I had no fear? I would . . .

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