Meredith Ludwig Curtis
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Does God Care About Money?

7/8/2012

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Does God Care About Money?

I don't know how to answer that question because I cannot fully understand the heart of God. But, looking carefully at the evidence in Scripture, I notice that Jesus taught about money often in His parables and sermons. Paul had a lot to say about money too. Proverbs is full of wisdom for handling money.

God may not care a lot about money. After all, everything belongs to Him! He doesn't need money or anything money can buy. But, He certainly cares about how people He handle their money. The Lord cares about how men, woman and children feel about money.

"No servant can be devoted to two masters. Either he will hate the one and be devoted to the other; or he will be devoted to the one and despise the other. You cannot serve both God and money, (Luke 16:13 NIV (c)1979).

God cares who we are serving. Are we devoting our energy, time, and ambition to making lots of money or having an expensive lifestyle? Or, are we seeking after God and His Kingdom with every bit of strength we possess.

Money is a distraction for many Christians, keeping them from fulfilling their God-given destiny. Instead of walking in God's call on her life, the carnal Christian is distracted by cares of the world. Many times worries make us seek after money instead of Jesus.

Money Reveals our Heart


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Economic Survival Skills

6/18/2012

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If we were forced to live off the land, certain skills would help us survive. Starting a fire to keep warm, using plants for food and medicine, catching food to eat, purifying water for drinking, and building a shelter would all help you live longer if you had to live off the land.

What about economic survival skills? Are there things that you can do to survive rough economic times?

Start a Fire to Keep Warm
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Don't let your heart grow cold. God's Word is still true and so are His promises. Just because we are in a recession doesn't mean that Biblical principles have stopped working. Obey Biblical principles (tithing, giving, saving, budgeting, contentment, thankfulness) and stand on His promises.

Make declarations each morning to stir up your faith. When Mike and I were entering our fifth year of financial difficulties years ago, I began making financial declarations. I simply inserted our names into the following passages and read them aloud each morning in a personalized way. Soon my faith was soaring, affecting my prayer life, and our financial situation began to turn around in just six months. Yes, for years (not days or weeks), I made these declarations, standing on His promises.

Deuteronomy 28:1-4; Isaiah 54:10-17; Psalm 112; & II Corinthians 9:6-15.

Our business has been hit hard this year and the Lord is reminding me to start making declarations again. What a joy it is to remind God of His promises. Reminding myself warms me up inside too!

Use Plants for Food and Medicine

When military pilots are shot down in enemy territory, they are taught to survive until they are rescued, avoiding capture. Part of this survival involves using plants for food and medicine. Poisonous plants must be recognized and avoided. Certain plants provide pain relief, while others can treat infections. Re-think the way you feed your body and take care of your family's health.

Adding one or two vegetarian meals a week to your family's diet will lower your food bill and probably their cholesterol too. Herbs can be used to treat pain, infections, and minor illnesses. Check out a book on herbal remedies from the library. We have used herbs effectively with our family to avoid expensive doctor visits.

Catch Food to Eat


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Stop Spending Money On That Person

5/27/2012

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There is one person in our life that we seem to spend lots of money on. Sometimes we don't even realize how much money we spend on her. We don't like to think of ourselves spending so much on that person, but we do. If you want to grow in godliness, stop spending so much money on yourself! There, I said it.

Without realizing it, we think about things we want and need, laying our plans to purchase these things now or later. We are bombarded with messages from advertising on television, at the movies, in the mall, in the newspaper, on billboards when we drive, and from the people we love who know exactly what we "need." Somehow our mind gets wrapped around the idea that buying lots of stuff will make us happy, take away the pain in our lives, help us to become more organized, or help people to love us more. We know, of course, that stuff won't make us happy, but we are bombarded with the lie so often that we start to believe it.

Secret Stuff Area

We each have a secret stuff area. That is the area where we really believe that purchasing items of that kind will make us happy. My secret stuff area is shoes...it is just amazing how quickly a new pair of shoes can brighten up my day. Flowers, chocolate, clothes, music, CDs, DVDs, jewelry, electronic equipment, bling, designer purses, software, or accessories might be your secret stuff area. Maybe it is not so secret. Maybe it is more than one area...you just love to buy stuff for yourself.

We kid ourselves into thinking that the money we spend is all on others, but if you are honest and list everything you spend, you will find that you purchase all kinds of things for yourself. You might buy snacks, drinks, new clothes, comfort foods, music, books, or accessories on impulse when you are out shopping for the family or running errands. We don't think about it, but it adds up.

The Real Issue

The money we spend on ourselves isn't the most important thing, but rather the preoccupation with making ourselves happy and feeding our appetites. Greed, the desire for more stuff, is an appetite. When we feed it with little snacks (a bag of Combos or a bestseller at the check-out line), we are feeding the appetite of greed. What do we really need? How much do we really need? Can we wait to purchase this item later? How much more stuff does God really want us to have?

I'm not trying to sound harsh, but spending money on ourselves reveals the self-centered nature that is needing to be sanctified by the Holy Spirit. Another thing that reveals this selfish attitude is how unhappy we become when we cannot have what we want because our finances are tight. Is this really how a Christian lady should live and manage her money? How we spend our money reveals our heart and our priorities.

Examine Your Heart


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Bartering

5/6/2012

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Mary's parents bought her a new washing machine, even though the old one worked fine. What she really needed was shoes and clothing for her children. Betsy desperately needed a washing machine that was reliable and she had an abundance of clothing and shoes in good condition that would fit Mary's children. Mary traded her old washing machine for "gently-used" clothing and shoes for her children.

Sarah needed help with her taxes. Laura needed her hair cut, colored, and styled, but could not afford it. They decided to trade! Mike needed some work done on his car that he didn't have the time or ability to do. Tim needed help updating his resume because he was out of work and looking for a job. Mike's wife, Maggie updated Tim's resume for him and Tim fixed Mike's car.

John and Karen needed some repair work done on their house, but there was no money to pay someone to do it. Cole had a pile of clothing that needed mending and a daughter that needed a ride to work each day. Since his daughter worked near Karen, Karen gave her a ride and also did the mending. Cole was happy to do the repair work that John and Karen needed done.

What is Bartering?


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How to Balance Your Checkbook

4/29/2012

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Very few of us enjoy balancing our checkbook, but NOT balancing our checkbook gets us in trouble. First, review my article on Healthy Banking. Make sure that you are using your checkbook register faithfully for deposits, checks, and ATM or automatic account debits.

Are you ready to balance your checkbook?

You will need your checkbook register and the checking account bank statement. Do you have both? Okay, it's time to begin. 

Step One: Bank's Balance


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Financial Record Keeping

4/22/2012

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"Where is Mommy's bank statement?" Patty asked her two-year old toddler who was too busy gnawing on a table leg to answer her question.

Sue's husband, Fred, was even less organized than Patty. He left managing the finances to Patty. When Mike and I tried to help them get a handle on where their money was going, we discovered forgotten bank accounts and a self-directed IRA that Patty had opened while she was working for a mortgage company, intending to buy and sell stocks as investment for retirement. She had forgotten all about it.

My husband, a careful and precise record keeper was appalled, but I reminded him that most people don't know what financial records to keep and where to store them.

​Let me give you a few tips on getting your financial records started, stored, and how to maintain them.


Financial records, like legal documents are important to be able to get to when you need them. My answer to everything administrative is to make a folder.

Record Storage


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Credit Card Wisdom

4/15/2012

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​"Another credit card offer," my daughter, a college senior reported, ripping up the entire envelope and tossing it into the garbage can.


I sighed, so thankful that she had not been enticed. Credit card companies target college students, giving them credit cards at an early age, to make them think that using a credit card is a normal part of the rest of their lives. Many college students not only graduate with student loan debt, but also graduate with credit card debt. What an awful way to begin life as an adult.

Through the years, I have watched people use credit cards in a destructive way, sabotaging their financial goals with these little plastic rectangles.

Harm of Credit Cards


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How God Provides

3/25/2012

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"And my God will supply all your needs according to His glorious riches in Christ Jesus," (Philippians 4:19 NIV).

We all know that God promises to provide for us, to meet all our needs. But just what does that look like in our life? How does He supply?

God Provides through Paychecks

This is a "no-brain-er."

​The Lord allows us to have a job that pays us enough money to pay our bills. He also provides opportunities and ideas to bring in extra money through side jobs or 
starting our own business.

Remember that the Biblical work week is six days, sun-up to sun-down. Many times a second job is necessary to make ends meet, while still working less hours than the Scriptural work week!

God Provides through Family


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What God Promises to Provide

3/18/2012

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"And my God will supply all your needs according to His glorious riches in Christ Jesus," (Philippians 4:19 NIV).

We all know that God promises to provide for us, to supply all our needs. But just what does that look like in our life? What needs is this verse talking about?

What God Promises to Provide & The Concept of Profit

According to I Timothy 6:8, we are to be content with having food and clothing. Jesus also promises provision of food and clothing in Matthew 6:25-34 if we seek His Kingdom first. Food and clothing? We certainly need a lot more than that!

"What about housing, cars, cell phones, and vacations?" you ask.

That is extra blessing that is provided by surplus money, or what the Bible calls profit. God provides extras through your personal hard work. When it says that God supplies our needs, He is promising to provide food and clothing for us. Not that God is limited to only this provision. He also provides shelter, transportation, ways to communicate, and times of refreshing, but He is not limited by our definition of "what is best for us" or "what we really need." These things are most often the reward of hard work.

The only reason I bring this up is because I have seen God provide the need for shelter through hospitality. Family or friends open their home to a homeless family. Many times people have asked me why this happens, assuming that God promises that we will have our own home. I have not found that promise in Scripture, though I so often see God provide a home for His beloved people.

"All hard work brings a profit, but mere talk leads only to poverty," (Proverbs 14:23 NIV)


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Tithing New Testament Style II

3/11/2012

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"You look great!" Sally gushed. "You look so happy! What is going on in your life?" 

"The Lord has been so good to us! Listen to what He did..." Anne related a testimony of God's supernatural provision.

Sally listened and smiled. 

"We just started tithing six months ago and it's changed everything for us. Not just financially,...." Anne continued to share with Sally how Christ was changing her life and her husband's life.

Tithing is an act of discipline and worship for the believer in Jesus. We talked last time about tithing in Tithing New Testament Style I, reminding us that everything belongs to God and we are simply stewards of His stuff and money. We also talked about investing in our Heavenly bank account. I love tithing because to me, it is like giving a present to the Lord. I just love giving gifts, so tithing is fun for me. 

Shopping for the Lord!


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Tithing New Testament Style I

3/4/2012

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"Well, I've tried tithing and every time I do, God just doesn't come through," my friend sighed and looked down, embarrassed about not tithing and asking for prayer. 

I asked him gently why he didn't tithe, knowing he had one financial trial and setback after another.

"What's the longest you tithed at one time?" I asked, confused about his answer.  I had ALWAYS seen God come through.  Did He sometimes not come through?

"Two months is the longest I ever tithed," he said firmly.

I was stunned. Two months? That's hardly any time at all. 

Financial Training In My Childhood

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When I was a little girl, my grandparents sent me two checks at Christmas and my birthday. The first went to my savings account, the second was to spend with joy. Yes, there were strings attached to the gifts and direction from the giver of the gifts. At the time, I did not like the idea of putting such a large chunk of money away in the bank. However, as my savings account began to grow, it was more fun to put money into the bank. 

My parents gave me an allowance each week and part was to go into the offering plate at church. Usually, it was one-third of the total amount. I remember as a young girl getting $1.50 each week and 50 cents was to go into the offering plate. This was not easy to give away a third of "my money." Again, the giver of the money was dictating how the money was to be used.

Looking back I'm so thankful for both of these scenarios in my life because they prepared me to tithe with joy and consistency.

God is Like My Grandparents


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How to Make Financial Decisions

2/26/2012

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"We don't need a new car!" Mary slammed the bedroom door on her way out. She didn't care if the kids heard their argument. She was sick of his childish ways of managing their finances. They were about to lose their house and Mark was talking about buying a new car. 

Mark watched Mary stomp out the door and shook his head. She was such a rebellious wife. And, she certainly didn't trust God to take care of them.

Financial decisions can be emotional. When we make these decisions with our spouse, we  find ourselves with two completely different perspectives. How can we make wise financial decisions?

Moral Decisions

​Moral decisions are based on right and wrong. We chose to obey God or disobey God. We can rationalize choosing the wrong, but it is still wrong and deep inside we know it. The Bible teaches us to work hard, avoid debt, store money away for the future, tithe, give generously to the poor, and take care of the financial needs of their families.

Deciding between working hard or being lazy is a moral decision. The decision to go into debt for new furniture or save up for it is a moral decision. Another moral choice would be tithing or not tithing.

For some of us, moral decisions are easy. For other Christians, there can be a struggle between right and wrong. Let's make a choice to read the Bible and obey it! This will make moral financial decisions easy.

Priority Decisions


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Healthy Banking

2/19/2012

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"Do you think Pastor Mike would give us some money to cover a bounced check from the church's benevolence fund?" the young man finally stammered, after his wife had spend two whole minutes glaring at him. There was tension in the air.

"I can't really answer for him," I responded, adroitly passing the buck to my husband. "What happened? Do you want to talk about it?"

Of course, they wanted to talk about it. Both husband and wife blamed the other for the financial mismanagement with venom in their voices. Had they just two years earlier promised to honor and cherish one another? I had been at their wedding. My mind began to wander and I forced myself to focus back on the louder of the two voices who were both speaking at once.

"I called the bank to see how much was in our account..."

"Why did you call the bank?" I interrupted. "Why not look in your checkbook register?"

This shut them both up instantly and a look of confusion clouded the two young faces.
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Up and Down, Around and Around II

2/13/2012

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_ Let's finish talking about a healthy economy's cycles of growing and recessing. We talked about the first two phases, Expansion and Prosperity, last time in Up and Down, Around and Around I. Let's move on to the last two phases.

Contraction

This is a period of economic decline. Prices drop. Sales slow down, people are buying less, and families start tightening their belts. This is a time where unsuccessful businesses must make hard decisions. Inefficient business practices must change or the business could fold. Marketing practices are analyzed. New ways to improve the product are discovered.

Polly's business is struggling. She has to let two of her employees go. She gives them six months notice and allows them one day a week to look for another job. She finds a cheaper place to purchase zippers and buttons, freeing up some money to fix two of her sewing machines. She asks her employees to help her come up with improvements that will make her clothing more marketable. One of her seamstresses has an advertising idea that becomes very popular. Sales increase and she hires back the employees she had to let go. Polly made wise use of her season of contraction.

Sometimes a season of contraction happens in a business or family because they are cutting back to save for the next season of growth. Unnecessary expenses are purged and frivolous pursuits are abandoned.

In a season of contraction, production slows down or consumer spending slows down. Companies make less stuff or people buy less stuff. Unemployment rates go up as people begin to lose jobs because of a drop in their business's profits.

Interest rates might rise, or banks might just be more careful about who they lend to. Someone who is a high-risk borrower might be able to get a loan in a time of expansion, but not in a time of contraction or recession. Banks are less willing to take risks on people.

Sometimes a season of contraction is just a natural response to an artificial government-induced season of prosperity. Prices just level off. Maybe housing prices went up to a level that was more than homes are really worth. A season of contraction will bring housing prices back down to a reasonable level.

Recession



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Up and Down Around and Around I

2/6/2012

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_Understanding economics is just not that difficult. If the word economics sends shivers down your spine, then review my last article Economics 101. Today we are going to talk about what a healthy economy looks like.

A healthy economy is not always growing, rather it goes through cycles of growing and recessing. This normal cycle is the result of many things, including the need for businesses and people to save money for seasons of spending. Let's look a normal economic cycle.

What factors are used to determine each stage.
  • GNP (Gross Domestic Product) (How much stuff a nation is producing)
  • Interest rates (How much interest banks are charging because so many people are in debt)
  • Unemployment rates (How many people are out of work and how many people have jobs)
  • Consumer spending (How much money people are spending)
In the Garden of Eden, Adam had a job, but it was an easy work--taking care of the garden and the animals. There was plenty to eat, a rent-free place to live, and wholesome fun to participate in for free. Since the fruit-incident, mankind must get a job and work hard to take care of needs (food, clothing, shelter) and wants (cars, phones, vacations, computers).

Over time, people have made things to sell to other people to make money to buy the things their own families need. Other people provide services to bring a paycheck home that will buy necessities. All this buying and selling, the flow of money, the cost of goods and services, and how much stuff is actually produced is called the economy. This economy ebbs and flows: expanding, booming, contracting, reccessing--the economic cycle.

For someone to make something to sell, he/she must look around and gather available resources (cloth, oranges). To this is added hard work. Polly turns cloth into clothing with sewing (work). Jennifer picks and boxes (work!) oranges to ship to customers in another state.

Expansion


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Economics 101

1/29/2012

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"Well Brian keeps the economy humming," I giggled to my husband as we talked late one evening. Our friend, Brian, had dropped in to show us his latest purchases that included a dart gun, a music CD, and a new amp for his guitar.

Where the money came from was a mystery. He worked for Khol's, drove a motorcycle, and lived in his own house. His checking account hovered near zero and he didn't even have a savings account.

What is a Economics?


We are told by politicians that people spending money is a sign of a "healthy economy." But is it? What is a healthy economy in God's eyes? And what is economics anyway?

Economics is the study of the production, distribution, and consumption of goods and services according to Webster's dictionary. Goods are products such as televisions, ships, jeans, jewelry, ice cream, or bikes. Services include hair styling, banking, cleaning, interior decorating, or teaching. People make, sell, and buy goods and services day in and day out. In the process of all this producing, selling, and buying, money is exchanged. That's why we study money, inflation, debt, and interest too.

You see, economics is simple. It is just studying what people make and do and how those things are sold. Daily life is full of buying things. We go to work and produce things (goods) or do things (services) to make money.

Money is constantly flowing from one place to another. Imagine the dollar bill in your purse. Where has it been? Where is it going? Maybe it was a little boy's allowance and he used it to buy a candy bar at 7-11. The cashier gave it as change to your daughter when she bought a Big Gulp. Your daughter used it to pay your husband back the dollar she owed Daddy, but then he needed larger bills and traded you all the ones and fives in his wallet for a twenty dollar bill.



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Praying about Money

1/22/2012

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Can we bring our financial troubles to the Lord? Of course we can!
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Are you struggling financially? Is it hard to pay the bills? Are there doctor appointments or medical procedures that you can't afford? Are you tempted to borrow money? Are there expensive desires that won't go away--you just have to have something, but the Lord isn't providing? Do you need a better paying job? Do you need to find a career track that is fulfilling, but also pays the bills?

Have you made bad choices and now you are paying the consequences? Do you have bad financial habits such as borrowing money, spending money impulsively, or not balancing your checkbook? Do NOT stay in your current situation one more minute!


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The Secret to Financial Success

1/15/2012

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The secret to financial success is quite simple! It is two little words that pack a big punch. The secret to financial success is....delayed gratification.
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Delayed Gratification? What is that? Well, it means to postpone what you want, to wait for what you desire to obtain.

"All of these people were still living by faith when they died. They did not receive the things promised; they only saw them and welcomed them from a distance. And they admitted that they were aliens and strangers on earth. People who say such things show that they are looking for a country of their own. If they had been thinking of the country they had left, they would have had opportunity to return. Instead, they were looking for a better country--a heavenly one. Therefore, God is not ashamed to be called their God, for He has prepared a city for them," (Hebrews 11:13-16 NIV).

The writer of Hebrews is talking about Abel, Enoch, Noah, and Abraham in these verses, explaining how delayed gratification was working in their life. He calls it faith, but it is also the practice of waiting for the desire of one's heart. We, of course, like these men of faith, desire our own heavenly city, the glorious place Jesus has prepared for us to live in forever!

But we also desire many things on this earth. We want a place to live, food to eat, and clothing to wear..and shoes, jewelry, televisions, mp3 players, minivans, vacations, movie tickets, scarves, dinners out, college tuition...you get my point. Our list of desires goes far beyond basic necessities.

God is delighted to bless us--a simple statement, but the foundation of delayed gratification. If we believe that God wants to bless us with the desires of our heart, then we can WAIT for Him to provide. Until He provides the tiem or the money to buy the item, we can wait, postponing our purchase until His perfect timing. Purchasing something with a credit card is not delaying gratification. Borrowing money from your child or parent is not delaying gratification.


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Where Did All My Money Go?

1/8/2012

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"I lost all my grocery money," I admitted sheepishly to my dear husband of 27 years.

"Honey, you didn't lose it. You just can't remember where you left it. Let's retrace your steps." Mike always has a plan.

As you get to know me, you'll find that I like to use cash for some things, including grocery money. However, this had been a crazy day and Mike had handed me the grocery money as soon as he walked in the door and I had been busy, so I had put it down somewhere....

"That's it!" I shouted, finding the money exactly where I had left it.

​Unfortunately, we can't always put our finger on where all our money goes so easily. Sometimes, it just seems to slip through our fingers. Does your budget work on paper, but not in real life? Maybe things are so tight that you don't even bother to have a budget. Let's do our finances God's way, being good stewards. Good stewards know where the money is and where it goes.


My husband is a pastor. We have walked many couples through financial management as part of our ministry. It isn't easy to change our mindset and habits when it comes to money. 

Our Mindset about Money


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Give Yourself a Financial Gift this Christmas

12/11/2011

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Give yourself a merry Christmas present that will make a difference in the year ahead. Face 2012 with a clear conscience and a zero credit card balance. Don't go into debt this Christmas.
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Why do we go into debt at Christmas? We think that we have to spend money to make our Christmas enjoyable. We need money to buy lights, trees, gifts, food, drinks, and tickets to travel home. Yes, Christmas celebrations do take some money.

But, we can do much more than we realize to keep costs down. Check our my earlier blogs, 'Tis the Season to be Frugal I and 'Tis the Season to be Frugal II. 

Realize that debt may provide a few extra ingredients for a Merry Christmas, but will leave you in bondage come the New Year. Debt assumes that you know better than God because He provides for our needs. Use the money you have available for your Christmas celebration. If you don't have any money, pray for God's provision and keep your eyes open for His answer to prayer.

Throughout the years Christians have celebrated Christmas as a holy day. A day to remember that Christ was born of a virgin after laying His glory aside to become a man so that we could live through Him. A miraculous star led the wise men to come to worship Him. Let's unplug the Christmas machine and make Christmas about Jesus our Savior again.

Resolve to stay debt-free this Christmas and keep your eyes on Jesus.

Merry Christmas!
Merey
(Meredith Ludwig Curtis)

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Simplify for Christmas

12/4/2011

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There are so many ways to simplify the holidays to not only cut cost, but to decrease stress.

When I host my annual Christmas party this year, I will have all the guests bring a dish to share. This will cut my expenses and make it easier to prepare for the event.

When the extended family starts talking about Christmas, I will suggest that we draw names and only give that person 1 gift that has a price limit on it. This will instantly chop down the amount of shopping I have to do.



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'Tis the Season to be Generous II

11/29/2011

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The greatest thing we can to do honor the Lord is to imitate Him. We imitate him by giving our time, treasures, money, and energy. Christmas is a time to give so that others will be blessed. Giving our money to charities or spending our money to buy gifts for the ones we love begins in our hearts.

Generous hearts lead to generous pocketbooks. And the gifts that flow from hearts of love are the very best gifts! As we grow in our relationship with the Lord, we become more like Him. Just as He began the first Christmas with giving, so we celebrate every Christmas in our life with a generous heart.

But I guess I am preaching to the choir! You already want to be generous, but, like me, you don't always feel like giving. Or maybe you are bombarded with so many requests to give, that you simply don't know where to begin. Here are some steps to take to give generously with wisdom.

Cultivate a Generous Heart


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'Tis the Season to be Generous I

11/27/2011

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"Are you going to give him some money, Mom?" Jimmy asked as we left Wal-Mart and were passing a man collecting for the Salvation Army.

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Suddenly, I felt self-conscious. I fumbled in my purse, finding my change purse and extracting a handful of coins, I dropped them into the Salvation Army bucket. In my heart, I felt annoyed. You see, I really didn't want to part with my money at that moment. I had just spent much more money than I had planned and I felt "pushed" into giving. But, I wanted to be generous in front of my son.

Have you ever felt that struggle before? You want to give because you know it is the right thing to do, but you also feel like you can barely stretch the money you have to cover all the holiday expenses.

The Christmas season is the season of giving. As wives, husbands, mothers, fathers, daughters, sons, friends, and co-workers, it can feel like we are always giving to others and that there is just no enough to go around. Why is there so much giving at Christmas?



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'Tis the Season to be Thankful

11/21/2011

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Jim and Jordan both work at the same company. They make the same salary, hold the same position, are both married, and own their own homes in the same neighborhood. They both go to church and try to tithe faithfully. Jim is married to Sally and Jordan is married to Susie. That is where the differences begin.

​Sally reminds Jim daily that he does not make enough money to save for college, decorate the home, or take a family vacation. She tells her daughter, "Make sure that you marry someone with money." 


When there are things that Sally absolutely has to have (about once a week), she uses the credit card to purchase them. She still is not content. In fact, anything she buys seems to lose its delight quickly and there are always new things to purchase. 

Sally complains to anyone that will listen about their financial woes. And it's not just money. Sally wishes her children would do their chores without being asked, clean their rooms, and make better grades. Her in-laws make her life miserable and her friends are always asking for favors of some kind. 

Susie has an additional burden on her shoulders. She takes care of her elderly grandmother because her parents passed away when she was in college. She is the only  family Granny has, and, though she lives in her own assisted living apartment, Susie has to check in on her every day. This costs gas money and time. She would like to get a second job to help ends meet, but with taking care of the kids and Granny, there is no time left for more than her 15 hour a week part-time job. 

But, no one has every heard a complaint out of Susie's mouth about money, or anything else for that matter. It's not that she holds it in, it's just that she is glad to have Granny around and sees how hard her husband works. When he apologizes for his meager salary, she tells him, "Money isn't everything, Jordan. One day, we'll have plenty of money to do the things we want to do and then we'll remember the good old days when the children were little and Granny was still alive."

​

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The tension in Jim and Sally's home is stifling. You might live under the same tension. Focusing on the negative and complaining are a natural response to difficult circumstances, but they only produce misery. Most of us are experiencing economic setbacks in this economy, but we still belong to a Gracious Heavenly Father who lavishly provides for our needs. He will not leave and forsake us.
If we take our eyes off what we don't have, we can fix our eyes on what we do have. As Christians, even if we are starving and living on the streets, we have an eternal home and a right relationship with God. That is the place to begin thanking God!

Find the Evidence!


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Making the Holidays Fun & Affordable

11/13/2011

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It's the season to buy, buy, buy, and shop, shop, shop. Or is it? If you are like me, this holiday season is finding you with a lot less money in my wallet. Because of the economic downturn, I have had to modify my spending.
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Does this worry me? Not at all. Instead, I am trusting God to make this the best holiday celebration ever--only less expensive. Here are some ideas to make your upcoming Thanksgiving & Christmas memorable and cost effective.

Stock Up

I have tried to set aside money for holiday spending, even though there has been very little extra. But when there is, baking goods and easy to pop into the freezer things are great to stock up on. I will stock up Thanksgiving week on turkeys.

Since I have been cooking for 27 years, there is a permanent list in my head from which I shop. But, if you have trouble remembering all the items you need for holiday cooking, make a list and keep it in your wallet. As you stock up, watch for sales, use coupons, and compare prices.

We go through more baking items (brown sugar, white sugar, baking powder, cream of tarter, cream cheese, nuts, and chocolate chips) than we do the rest of the year combined. I begin to stock up on these things in October and continue until we get close to Christmas. These items all keep well in the refrigerator, pantry, or freezer.

Coupons

Some of my friends use a coupon system that helps them save a lot of money. But, it is too much work for me to be an intensive coupon clipper. I just use coupons sparingly, only when I would purchase the item anyway. Now, my daughter is into coupons big time. She clips and clips.

Gifts


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    Meredith Curtis, homeschooling mom & worship leader, is married to her college sweetheart. She is blessed with 5 amazing children, 3 adorable grandchildren, and an awesome church family!
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