Meeting Notes for 10/04/13

Budget

Speaking on budgeting was an exciting topic for me.  It has changed my life in a great way and has allowed me to feel like I have more freedom to do the things that matter most to me.    It wasn’t always as easy as it is now for my husband and I and it is still an ever changing process, especially since the addition of our beautiful children.    The most important thing is to put God first.  He has been the one who has multiplied our efforts and given us such great rewards!

A few of the verses I shared with you are:

  • Matthew 6:24 – “No one can serve 2 masters.  For you will hate one and love the other, or be devoted to one and despise the other.  You cannot serve both God and money.”
  • Genesis 2:15 –Then the Lord God took the man and put him into the garden of Eden to cultivate it and keep it.”
  • Luke 12:42-44 –And the Lord said, “Who then is the faithful and sensible steward, whom his master will put in charge of his servants, to give them their rations at the proper time? “Blessed is that slave whom his master finds so doing when he comes. “Truly I say to you that he will put him in charge of all his possessions.
  • Proverbs 22:7 – “The rich rules over the poor, and the borrower is servant to the lender.”
  • Hebrews 13:5 – “Let your conversation be without covetousness; and be content with such things as ye have; for he hath said, I will never leave thee, nor forsake thee.  So that you may boldly say, The Lord is my helper and I will not fear what man shall do unto me.”

A great website that I found also has many more verses that relate to budgeting and they are grouped by category.  Please visit http://christianpf.com/money-in-the-bible/

I also thought that I would post some of the suggestions I gave at the end of the talk.  Feel free to leave your own suggestions via the comments box!  Sharing your idea may help someone else get one step closer to their financial freedom.

  • The biggest and best advice we ever received was from our pastor before my husband and I married.  Live on only ONE person’s income.
  • Only use CASH, it hurts to see those greenbacks leave your pocket, and that’s a GOOD thing!
  • Use only ONE credit card AND pay it off every month.
  • Buy often used items on sale.  It it is something that won’t spoil, try to consider buying enough to last until it goes on sale again.
  • Don’t pay full price for as many things as you can, make it a game and try and beat your last score.  You’ll be surprised by how quickly you can save money if you don’t spend it!
  • Wait THREE days before making a BIG purchase instead of buying it on impulse.  Anything over $100 is considered a big purchase in our house.   Dave Ramsey had a line that jumped out at me in his book “It is human nature to want it and want it now; it is also a sign of immaturity.”
  • Save your ones instead of change.   Put it in a special place or deposit them back into your bank account at the end of every month.
  • You’ll be surprised how all of your efforts, great or small, can add up.  Just one of my many small efforts saves me $300-400 a year.

Get your kids involved too!  Have them help you at the grocery store or give them their own money to learn how to save, spend, and share it!  Just talking about money with your kids is a great first step.    If you love books, go ask your local library for Three Cups by Tony Townsley.

Last but not least, budgeting doesn’t take a lot of head knowledge just a lot of change… and no, I don’t mean the kind that jingles in your pocket…  in behavior and thinking, meaning yours.  The best first step is to do something about it, anything, just DO SOMETHING!  Don’t be afraid, be fearless!

“If you will live like no one else, later you can live like no one else.”  – Dave Ramsey, ‘The Total Money Makeover’

 

Announcements:

October Play Date – Porter’s Orchard – October 7th at 10 AM

October Family Event – The Little Pumpkin Patch at 6 PM, It’s one of our favorite activities! We will have a hay ride, pick out pumpkins, and have hot dogs and s’mores! Lisa will send out a Sign Up Genius for donating some items and for RSVP. Watch your e-mail!

Trunk-or-Treat – Sunday, Oct. 27th at 4:20 at the church. Come early to decorate your trunk! The Youth Group hosts a Halloween Party for kids (must be potty trained) and they come out to Trunk-or-Treat around the parking lot. We invite the whole church to join us. We’re the hosts and give out prizes for the best trunk!! The kids vote on their favorite.

November Fundraiser – We’re planning a Christmas photo fundraiser! MOPS families will have an opportunity to get your family’s photo taken on November 1st, time and place still TBD.  Saturday, November 16th we will have 25 minute appointments for families to come in and do traditional or photo booth style photos. Everyone leaves with their photos on CD and a copyright release!

We have sign up sheets out at every meeting for hosting play dates, Mom’s Nights Out and to share your Messy Photo.  If you missed them and want to sign up, contact any member of the Leadership Team.

Image courtesy of Stuart Miles / FreeDigitalPhotos.net
Advertisements

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s