RSS

How to Control Spending .. 

 THE CHALLENGE

A look at your bank statements and bills reveals that your money is slipping away like sand that slips through your fingers. You have been married for only a short time, and your spending is out of control. Is your spouse to blame? Not so fast! Think as a team, and consider some factors that may have caused both of you to get into some difficult situation.

WHY IT HAPPENS

Adjustment. If you were living at home before you got married, you may be new to the world of paying bills and sharing expenses. It could also be that you and your spouse have different approaches to money. For example, one might be more inclined to spend while the other is more inclined to save. It takes time for a couple to adjust and develop an agreed-upon method of handling money. 

Real time : Vinoth, now a businessman, admits that when he was a newlywed, his poor organizational skills cost him dearly. “Because he delayed paying bills,” he says, “my wife and I ended up spending thousands of rupees in late fees. We ran out of money!” 

The “invisible money” trap. It is easy to overspend when you cannot see the money leaving your wallet or purse. That may be the case if you handle most of your transactions by credit or debit card, Internet purchasing, and electronic banking. The lure of easy credit can also make it easy for newlyweds to overspend.Whatever the cause, money issues can tear at the seams of your marriage. “Most couples report money as a top problem, no matter how much they have,” says the book Fighting for Your Marriage. “Money is a ripe area for conflict.”

 YOU CAN DO

Bible principle:  Instead of blaming each other, work as a team to bring spending under control. Decide at the outset that you will not allow this issue to drive a wedge between you.—Ephesians 4:32.

Set up a budget. Write down all of your expenses, no matter how small or big, for a month. That will help you to figure out where your money is going and to identify any unnecessary expenditures. “You have to stop the bleeding,” says Kannan my close friend, quoted earlier. “That’s a saying in medicine and in business.”Make a list of your necessary expenses, including food, clothing, rent or mortgage, car payments, and the like. Put a ‘price tag’ next to each category, projecting how much it will cost you within a given time, perhaps a month.

Bible principle :  “Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost to see if you have enough money to complete it?  For if you lay the foundation and are not able to finish it, everyone who sees it will ridicule you,  saying, ‘This person began to build and wasn’t able to finish. Luke 14:28‭-‬30.

Allocate funds each month for separate expenses (food, rent, fuel, and so forth). Some do this by putting cash in envelopes, one for each expense category. If an envelope becomes depleted, they will either stop spending in that category or transfer money from another envelope.Rethink your view of possessions. Happiness does not depend on having the latest things. After all, Jesus said: “Watch out! Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.” Luke 12:15

And he told them this parable: “The ground of a certain rich man yielded an abundant harvest.  He thought to himself, ‘What shall I do? I have no place to store my crops.’ “Then he said, ‘This is what I’ll do. I will tear down my barns and build bigger ones, and there I will store my surplus grain.  And I’ll say to myself, “You have plenty of grain laid up for many years. Take life easy; eat, drink and be merry.” ’   “But God said to him, ‘You fool! This very night your life will be demanded from you. Then who will get what you have prepared for yourself?’ “This is how it will be with whoever stores up things for themselves but is not rich toward God.” Luke 12:16‭-‬21 

Often, your spending habits indicate whether you believe those words.—Bible principle: 1 Timothy 6:8.Make adjustments. “But if we have food and clothing, we will be content with that. Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.”

 “Things like buy luxury items and going out to eat may sound affordable at first, but they can hurt financially in the long run,” “We had to learn to say no to some things in order to live within our means.”Although this article is directed to newlyweds, the principles discussed apply to all married couples. If you pay electronically or by credit card, keep a written record in each envelope, rather than cash.

 
Leave a comment

Posted by on June 4, 2017 in Jehovah

 

Tags: , , , ,

​A gentle tongue can break a bone . .

Through patience a ruler can be persuaded, and a gentle tongue can break a bone. Proverbs 25:15 NIV Even when someone says something offensive, responding with gracious words can have positive results. (Prov. 15:1) For example, the teenage son of a single mother was leading a double life. A well-meaning Christian sister said to the mother: “It’s too bad you have failed at child training.” The mother thought for a moment and responded: “It’s true that things are not going well right now, but his training is a work in progress. Talk to me after Armageddon; then we will know for sure.” This mild response helped to maintain peace between the sisters, and it encouraged the son, who overheard the conversation. He realized that his mother had not given up on him. This moved him to stop his bad associations. In time, he got baptized, and he later served at Bethel. Whether in the company, friends, our family, or even strangers, we should always let our words “be gracious, seasoned with salt.”

The end of a matter is better than its beginning, and patience is better than pride. Ecclesiastes 7:8 A tongue has no bones but it is strong enough to break a heart so be careful with your words. Once they are said they can be only forgiven not forgotten.

Real time story : coming sooooooooooooon ..

 
Leave a comment

Posted by on June 1, 2017 in Marketing

 

I have sinned [any sin]. Will God forgive me no matter what?

                

“Will God forgive me for the sin _____?” Yes, yes, and yes. Whatever sin you can enter into that blank, the answer is this: Yes, God will forgive you. You may think your sin is so horrible that God could never forgive you, but it doesn’t matter how big or small it is. God’s forgiveness never runs out. Remember when they murdered Jesus on the cross? And yet He still said, “Father, forgive them for they know not what they do” (Luke 23:34) 

First John 1:8-9 says, “If we say that we have no sin, we are deceiving ourselves and the truth is not in us. If we confess our sins, He is faithful and righteous to forgive us our sins and to cleanse us from all unrighteousness.”
When Jesus paid for our sins, He paid for all of them—past, present, and future. There is nothing you can do that He would have forgotten to cover or wouldn’t want to cover. He paid the price for the entire human race and all our wickedness (Isaiah 53:5-6; 2 Corinthians 5:21)

Salvation → Forgiveness

Salvation and forgiveness are linked. If you have received that salvation, which is forgiveness of sin, then you are fully forgiven of your whole debt of sin. Romans 10:9 says, “If you confess with your mouth that Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved.”

If you have not received Christ as your Savior, then what are you waiting for? Tell Jesus that you believe He is Lord, and confess your sins so you can be forgiven!

This is both the hard part, and the best part. This forgiveness of sins is entirely through God’s grace, and not our works. There is nothing you can do to earn forgiveness (Romans 3:20-22). Ephesians 2:8-9 says, “For by grace you have been saved through faith. And this is not your own doing; it is the gift of God, not a result of works, so that no one may boast.” Rest in that knowledge—that you do not need to work for salvation and forgiveness.

I may be forgiven, but I still feel guilty…

It’s true. Even though you know you are forgiven, you may still feel guilt over your sin. Guilt will still hang around with us if we don’t forgive ourselves. But sometimes feeling a little guilty is not necessarily a bad thing.

Guilt is a natural response from our conscience to remind us not to repeat those sins. Confess your sins and know that you are forgiven by God. Then remember to forgive yourself too, because the past is in the past and cannot be changed, but you still have control over what you do today and tomorrow.

God loves you. This is such a simple sentence but so mindblowingly amazing. And through that love, He gave His Son to pay the debt we owed because of our sins. And now we have this beautiful gift of forgiveness.

It is only selfish pride that would fight that gift. Only pride would say, “My sin was too much for Jesus to forgive.” But 2 Corinthians 12:9 says that Christ is sufficient: “But he said to me, ‘My grace is sufficient for you, for my power is made perfect in weakness.’ Therefore I will boast all the more gladly of my weaknesses, so that the power of Christ may rest upon me.”

Lord the father God said” I love you just the way your “

 
Leave a comment

Posted by on May 25, 2017 in Jehovah

 

Tags: , , , , , , , , , , , ,