{"id":710,"date":"2014-06-29T13:22:58","date_gmt":"2014-06-29T13:22:58","guid":{"rendered":"http:\/\/gator3012.temp.domains\/~wearebul\/?p=710"},"modified":"2023-06-29T16:11:07","modified_gmt":"2023-06-29T16:11:07","slug":"spending-wisely","status":"publish","type":"post","link":"http:\/\/gator3012.temp.domains\/~wearebul\/2014\/06\/29\/spending-wisely\/","title":{"rendered":"Spending Wisely"},"content":{"rendered":"\n

Know where your money goes? Ever look up at the end of the month (or maybe even a little before the end?) and wonder where it all went? See what you can learn today from Ben\u2019s wise words on wise spending.<\/p>\n\n\n\n

\n

Whoever can be trusted with little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much.\u00a0 So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches?<\/p>\nLuke 16:10-11<\/cite><\/blockquote>\n\n\n\n

The day I earned my first quarter was the day my parents started my lessons on money management.  My folks got me on the \u201cthree envelope system\u201d at the start of my career as a household employee using fancy percentages to divide my earnings between tithe, long-term, and short-term savings. I\u2019ll admit, the kid who loved new Legos was not a big fan of that long-term savings envelope.   Probably not until the day in 8th<\/sup> grade when he comfortably dipped into those savings and got a sweet electric guitar out of it was there any excitement about it.<\/p>\n\n\n\n

Now, in a country running heavily on debt and instant gratification, and where \u201cwise\u201d money management means applying for another credit card, it\u2019s no wonder so many have become slaves to bank accounts, unable to make truly wise decisions with their own money.  Wise spending habits are one big way to take back control, so let\u2019s look at a couple.<\/p>\n\n\n\n

    \n
  1. Ask for a better deal.<\/strong> \u2013 Everyone loves a good deal, but if we\u2019re completely honest with ourselves the \u201cAmerican\u201d in us is usually too embarrassed to ask for one.  Most of us would rather lower our eyes and hand over our entire paycheck before trying to negotiate a good deal with a salesperson.  Where most of the world would be offended if you didn\u2019t at least attempt to negotiate, we avoid a friendly negotiation like the plague, claiming it\u2019s uncomfortable, inconvenient or immoral. Next time you go out to buy ANYTHING, practice getting a deal!  I\u2019m not saying to put aside your integrity.  Instead look for WIN-WIN situations, know your options, deal in cash, and be patient!  If you want something too badly, you\u2019ve already lost.<\/li>\n\n\n\n
  2. PLAN to spend your money!<\/strong> \u2013 Do you know where your money is going, or do you prefer the \u2018Whack-a-mole\u2019 approach with your finances?  Whenever something pops up, do you swing your money hammer at it and ask questions when the dust settles?  I love John Maxwell\u2019s quote: \u201cA budget is just telling your money where to go, instead of wondering where it went.\u201d A few years ago, I got tired of making educated guesses on where my money was going with groceries, insurance, eating out, investments, and you name it.  So I sat down, made a budget, actually FOLLOWED IT, and it\u2019s given me the control to spend my money how I want to spend it! Check out Mint.com if you are looking for a good resource to consolidate your accounts, track spending, set goals and make monthly budgets to take a step towards wiser spending habits.<\/li>\n<\/ol>\n\n\n\n

    If taking control of your finances excites you, take a look at the book \u201cDave Ramsey\u2019s Complete Guide to Money<\/a>\u201d or see if your church offers his class,\u00a0Financial Peace University<\/em>.\u00a0 May we not just grow as stewards of earthly riches but also of the true riches found in the gospel of Jesus Christ!<\/p>\n\n\n\n

    Camper Corner<\/h3>\n\n\n\n

    Read Luke 16:10-11 at the top of this devotional.\u00a0 How disciplined we are in handling small things in life will carry over into how we handle bigger things.\u00a0 Start forming good habits now with your money.\u00a0 Ask your parents about learning how to give, save, and spend wisely.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

    Know where your money goes? Ever look up at the end of the month (or maybe even a little before the end?) and wonder where it all went? See what you can learn today from Ben\u2019s wise words on wise spending. 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