A Life Worth Living by Nancy Buxton

Posts tagged ‘finances’

How Can We Go On. . .

Help_for_haiti

How can we go on with business as usual when there is so much suffering in Haiti?

I am asking you to do something to help our brothers and sisters in this poor country.

What can you do?

1.  Pray!

2.  Spread the word on giving to help.

3.  Give.  Just this morning I sent an article about ADRA to my sister in law and she responded.  She has been praying the Lord would show her where to give her contribution.

I am adding the information I received this morning and in this article you will find a link to donate through ADRA.  If you don’t like ADRA find another place to give of your money.

  1. Adventist Development and Relief Agency (ADRA) is heavily involved in response to the disaster in Haiti . Contributions are needed and can be made at www.adra.org/haiti or by calling 1-800-424-ADRA (2372). We have 1,000 Adventist churches in the area and about 330,000 members. We know that two of our largest churches near the presidential palace were destroyed. Five congregations met in these churches. One of those churches had a school and there are serious concerns for the children who were attending school at that time. It is believed that the Union president is alive but contact has not been made. The Union office is not damaged seriously. One Union worker was killed when a wall fell on him. There are two Adventist missionaries in Haiti and they are alright but shaken. Serious damage has been sustained by our university but the lawns of our university and hospital campuses are being used by many for a sleeping area as a place of safety. Fortunately, despite the economic challenges, our churches did take out earthquake insurance and that will help some. ADRA will be working to assist members and the public alike. Your prayers for the people of Haiti and those who are working to assist them would be much appreciated. DO NOT gather food or clothing as it will be impossible to get it to Haiti . ADRA will use the cash to accomplish what is needed at this time.

Where Does Your Money Go?

We are almost finished with Financial Peace University!  We have learned a lot.  I only wish we had taken a class like this 40 years ago.  When I think about how I have spent money it makes me sick.

Oh sure we educated two children through college (no subsidy) and they came out with no debt.  We don’t have any credit card debt.  We have paid off one house and then built one we are still paying for.  We only owe for the house and we are working hard on paying it off early. We pay tithe and we give offering.  That’s all good.

But, when I think of the silly stuff I have spent my money on I know I could have done better.  When I think of the places we have invested our money, I know we could have invested much more wisely.

You know and I know the Lord expects us to be good stewards, it is Biblical.  Please if you ever have a chance sign up for Financial Peace University, do it.  If you have adult or near adult children pay for them to attend,(without offending) it is worth  the money.

I Have to Share . . .

Oh there is excitement in the air. . .the convention is just a week away and we are all just busy and excited.  Please pray for the ladies who are the speakers and for the ladies attending, we must wake up and get excited about Jesus.

Here is what I wanted to tell you–down TWO pounds–making a grand total of 35 pounds.  That means I have 13 pounds to go to reach my goal of. . .oh you thought I was going to tell you didn’t you?  You know me I am an open book and I will tell you but you have to keep checking and when I reach the goal I will reveal where I started and my goal weight. 

Do you have some goals?  How about this one, spend time with Jesus every day?  Or, drink 8 ounces of water each day, or walk 8,000 steps 3 times a week.  Set some goals friends, how about this one save some money this month? I would love to hear about your goals.

One last thing, have you gone to sdaforme.org yet, it is a great blog I think you will like it.

Financial Peace University

I think I told you we, my man and I, signed up to attend Financial Peace University.  We have been to our first meeting.

In front of the room they had a jar, some scissors and some cut up credit cards.  Now my man loves his credit cards, not that he over uses them and he always pays them off at the end of every month.  However, he L O V E S the little benefits he gets like 5% for every gas purchase.  I will let you know how that goes, do you think he will cut up his credit cards?

The next thing was, we had to go home and make a simple budget.  We have, and I am ashamed to tell you this, never lived on a budget.  Well I should not say never when we first started out I guess it was a budget, we knew exactly what we could spend or we wouldn’t have enough to pay the rent.

Yesterday we made our simple budget, budgeting in a certain amount to save every month.  As it is now we just save what’s left over, now we are going to save a certain amount every month. Working on a budget we will only spend what is allotted for each item.  For instance, we budgeted $150 a month for entertainment, this includes eating out.  When that’s gone we won’t be eating out until the next month.  Hummmmmmmm wonder how that will go.  We don’t eat out tons I suspect we will have money left over each month.  If we do I wonder what we will do with it?  Just kidding, we will S A V E it.

At the top of our budget, just a Dave Ramsey suggests, we put the amount we will give back to Jesus.  Our whole purpose in attending this seminar is to be able to give more. My man and I are reading the book, Three Cups of Tea, the book makes us want to help others.  It takes such a little amount of money to make a big difference.

PS–Weight–down 2 1/2 pounds finally–that makes 32 1/2 pounds.  It is slow going but it is worth it.  I had to put that in the budget too.  $120 a month is what I think it costs, I know what you’re thinking, no I can’t seem to do it on my own.

Financial Peace University

Ramsey blog 007

Our church is holding Dave Ramsey’s Financial Peace University and we are committed to attending.  We paid our fee and we have our material now all we have to do is go.

I know what you are thinking, at their age do they need to attend this seminar, are their finances in that big of a mess.  Yes and no, we have no credit card debt, we have an emergency fund and we have some savings and we give to our church.  We feel we can do better and we want to do better because we want to be able to give more and to be more responsible with our money.

Just this weekend I read in our local newspaper that 80% of men die married, 80% of women die single.  Women outlive men and they pay the price for poor financial decisions made earlier in life.

Here are the 5 financial rules:

Don’t spend more than three times your annual household income on a home.

No more than one third of your annual household should be spent on cars.

Don’t take on more debt than you expect to earn, on average, over your first 10 year out of school

It costs more than $130,000 to raise a middle class child to age 18, and that is before any higher education. Think about that before having children.

It is best to never loan money to family, if you do consider it a gift or get the repayment terms in writing.

I know this is a boring subject to most of us, but I think it is one we all need to address.  If you don’t know about your finances find out!

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.

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

 

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