Financial Planning Made Simple With Faith: The Little Woman Who Thinks She Knows So Much

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And my God will meet all your needs according to his glorious riches in Christ Jesus. If you have lived much life at all, you are probably well aware that putting your trust in the economy, your employer, or your bank account is not a good idea. They are all fair-weather friends.

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They all can be helping you greatly one minute, and then the next everything has changed. God, however, is always faithful. That is why we should always be trusting Him as our supply! Just like He promised. It is a bold step of faith to start tithing. Cynics sometimes argue that tithing is not required in the New Testament.

I actually agree, since our salvation is no longer based on works, but on faith in Jesus.

After all, God owns it all and no matter where we are as far as what we are giving, we should always be striving to give more. From my own personal tithing experience , I found that stepping out in Faith in this area and testing Him proved to be quite fruitful and yielded a pretty amazing testimony.

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. This verse is so often misquoted that it is almost laughable. Money is not evil. The love of it is. For example, Warren Buffett has billions in his accounts, but he is giving almost all of it away to benefit the lives of others.

It is a matter of the heart that only God can judge. In everything I did, I showed you that by this kind of hard work we must help the weak, remembering the words the Lord Jesus himself said: Giving sets us free, while hoarding entraps us James 5: Giving changes the lives of others John 3: Giving brings blessing back to us Luke 6: Giving allows us to store up treasures in Heaven rather than here on the earth Matthew Giving really is fun — we need to be in on it.

The rich rule over the poor, and the borrower is servant to the lender. The freedom of being debt free has always been so incredibly enticing to me that I have been willing to give up a whole lot in exchange for it. Getting out of debt is not easy and often requires a fight, but the freedom that comes with it is so worth it. Watch this video on YouTube.

There actually are thousands of mentions of money in the Bible. So, if you want to dive deep and dig into more scriptures about money check these out:. He has been a full-time writer since and loves uncovering financial wisdom in the Bible as well as discovering the best tools and strategies to help you put more money in your pocket. Thanks for the post! I would like to personally interject my own little thought about the tithe.

I do completely understand your thoughts on it. So again it is simply a respectful disagreement. Back in Genesis before the law even existed Abraham gave tithe to Melchizedek. So my thoughts are if it was important enough for Abraham who was before the law and works, just maybe it is that important for us. I will completely agree, the dividends of tithing far outweigh not tithing!

Amanda, we are in agreement. For more on this discussion, check out this post… https: Praise the Lord my brother, First of all Abraham tithed a tithe after he was blessed first.

Why Financial Planning Needs More Religion

Not according to the traditional teaching on tithing that wants you to believe God will bless you after you tithe. Second Abraham knew how to tithe because of his upbringing in the land of mesopotamia. Remember him and is father was worshipping false gods Jos. Thirdly, Abraham tithed on spoils of war not income, but Abraham was rich but he did not tithe on any of his riches. God never left anything undone in his creation. That goes to show you that man will not get any glory that he steals today from God. When the teaching is true to every word in the bible and the saints become loving the LORD with all their heart then then giving is not a problem.

We have 4 boxes in back of the church so what God puts on your heart so be it. Not bragging but facts goes to show we bring and average of 6 million in a year out of free will offering. This is not taught in the church to much because of the fear of people helping their family first before they give to the church. God bless, Brother Matthew PS. All of them are great. Times like these we tend to forget that it is better to give than to recieve. It feels pretty good too. I enjoyed reading this. Every time I think about slowing down on paying off my debts number 5 comes to mind.

They sum it all up for me: I do my part and give God the opportunity to proof Himself as He promised.

22 Best Personal Finance Books (Budget, Save Money, and Reduce Your Debt)

The author provides solid and practical information that can be applied to anyone's life right away. With a bit of humor added throughout the book, there are smart lessons laid out that are always useful to keep around and refer back to in the future. This book is easily broken down and very simple to follow. It is a great book to have on hand for anyone who wants to learn how to get out of debt and save money. This book talks about how people in ancient times were able to be financially successful. This is an inspiring book on personal success. It helps to strengthen the reader's faith in hard work, a positive attitude, and self-discipline.

It also teaches the values of avoiding procrastination and taking advantage of opportunities. While the old English language that pops up throughout this book may not feel right to some people, it only goes to show that these principles have been around for a long time with continued success. It is more about thought process behind saving rather than actually giving you real world personal finance tools to take action. Despite the fact that many Americans put money aside throughout their careers for retirement, people often wait until they are in their sixties to realize they have not saved enough.

This book aims to show the reader what needs to be done in the next five years to make the best use out of current savings and create a plan for the future. Birken covers every aspect of retirement planning and provides straightforward strategies to explain how people can make the most of their last few years in the workforce while also preparing for retirement.

How do you mix faith and planning ahead?

This is a great book for anyone, whether you have been saving for retirement since the beginning of your career or you are just getting started. It will show you what is important to do now so you are able to live comfortably in the future. This book presents the information in a very clear way, which makes it quite easy to read.

It is also great for people who are not clear on a lot of financial terminology but want to learn more. The story goes to show that just having personal financial planning does not lead to wealth. Rather, it is important to automatically pay yourself first to secure your future while also paying for the present. This book offers a realistic system for anyone to put into place, no matter what their income level is. This is a great book for teenagers and young adults who are just starting to manage their own money.

It teaches them to think about their savings first and then focus on what they want to purchase in the present moment. This straightforward book leaves little room for confusion. This book provides a jargon-free, step-by-step guide for parents to use to teach their children about money. While this is essentially a lesson on finances, it is actually so much more than that. Teaching kids how to spend their money properly involves teaching lessons on delaying gratification, living within or below your means, working hard, doing well in school, and being generous toward other people.

This well-structured book is candid and often funny. It is a great read for parents as well as people who do not have kids but want a better grasp on their own finances. It is easy to relate to because parents have already been through their own childhoods and have seen how their financial lessons impacted them.

This book shows the process in a new light that is more effective than one may think. Unlike other personal finance books, this one is not complicated or lengthy. It discusses eight important lessons that focus on 99 principles that will help enhance anyone's money management skills. This quick and easily digested read focuses on the qualitative side of money management rather than the quantitative side. The author uses practical principles that are memorable and that generate deeper thoughts in the reader's mind.

This book is formatted in a way that it can be picked up and put down as needed. It is an easy read that can be appreciated by adults and teenagers alike. It also provides a great starting point to discuss finances with teenagers so they are able to learn what they should and should not do in the future in order to accumulate wealth.

This book on money shortcuts shows that information is money. By using simple tips and tricks, readers are able to walk away from this book and start saving money. Although a lot of information in this short book is common sense, it is great to have it all put together in one place to show that a few changes here and there can add up to a lot of savings.

Pogue writes in layman's terms, so this is an easy read for anyone to breeze through. He offers really good insights into topics that a lot of people would not think to research on their own, so it is definitely worth the read. This enlightening book is a tougher read than some of the other books on finance, but it is full of very useful information. Geared more towards those who have an interest the stock market and investing, it offers commentaries to help the reader relate to the narrator, and give moments of the book a more lighthearted feel.

This book also addresses inflation, portfolio management, market fluctuation, stock selection, bonds, convertible issues, and other more advanced financial subjects. While this might not be the best book on finances for younger people who are just starting out in the professional world, it lays the foundation in layman's terms by providing the reader with a sound approach to investments in a common sense and simplistic way.

This book offers an easy-to-follow program that can change the course of one's retirement. It helps cuts through misinformation, confusion, and poorly executed policies that keep people spending or saving poorly. How to Retire with Enough Money covers how much money should be saved for retirement, and gives the basic principles that will help the money continue to grow. This includes ideas to help get any current expenses under control, including suggestions for getting rid of your financial advisor and take the reigns on your finances yourself, and even why it is best to pay off a loan rather than keep paying for it every month.

Providing the framework for securing your retirement, How to Retire with Enough Money looks at the risks of not saving enough money while you are working, and what other options you might have. It provides stable, solid, conservative advice for people who are interested in learning about long-term financial security. This book is meant to be a quick and easy guide to personal finance.

It is geared toward middle-class Americans and lays out for them the best money habits they can adapt in order to stay financially comfortable throughout life. Everything covered in this book was once fit on a single index card. With 10 tips ranging from how much money one should save to supporting government programs, this book takes these tips and expands on them so people can see the reason behind each one. A lot of the advice that is given in this book may seem to be easier said than done, especially for people who are not financially stable.

For example, the first tip is to save a percentage of your income, but some people are unable to do so because they live off of every penny that they make. However, there are some very useful tips in this book for people who have a bit of a head start. This book is great for people who are just starting to learn about money, or who are about to enter the workforce and need a plan for their earnings. This is a great book for young adults about how to live comfortably while also being able to manage money and resources.

The author uses a Buddhist approach to talk about money and personal finance, and the lack of guidelines that people are presented with when they are growing up. Mindful Money works to dispel the money myths that people live with that are taught by self-proclaimed money experts.

It simplifies strategies and goals for the reader by asking them to determine their financial priorities as well as their limitations on saving. It also addresses meaning through relationships, working toward goals, and being generous. The author often urges the reader to notice their good fortunate in what they do have, and gives them a way to work towards their well-intended financial goals. This is not an extremely religious or spiritual text, but it is compatible with readers who feel connected to Buddhism in general.

This finance guide shows readers how to use their money to their best advantage in the current financial marketplace. As soon as they needed something and lacked cash to purchase it, out came the card. The principle to observe is this: If you are in debt from the misuse of credit, stop - totally stop - using it.

One of the best things to do with credit cards when in debt is to cut them in two. Then mail the cards back to their respective companies and ask them to mail you no more. Include in your letter the plan for paying that credit card debt, and then commit yourself to buying solely on a cash basis. Once good habits have been developed and the bondage from the misuse of credit cards has been broken, then evaluate the feasibility of converting assets to pay off the debts.

In that way you won't simply be treating the symptom. Once someone has overextended his finances, it is necessary to sacrifice some of the wants and desires in life to get current; otherwise he will continue to borrow and only get deeper into bondage. Avoid leverage When in debt, avoid the use of what is called "leverage. Borrowing money to invest is not a scriptural principle. For when a Christian invests and borrows the money from a bank to do so, the repayment of the bank loan is dependent on the investment making a profit.

But if a profit is not made and the investor can't make the payments, he loses the investments and still owes the bank. Practice saving A Christian should practice saving money on a regular basis. This includes those who are in debt. This does not mean to store up a large amount of money while failing to pay your creditors, but one of the best habits that a young couple can develop is saving a small amount on a regular basis.

Everyone in our society living above the poverty level has the capability to save money, but many fail to do so because they believe that the amount that they can save is so small it's meaningless. Others believe that God frowns upon a Christian saving anything. Neither of these two reasons is scriptural. The common attitude presented in the Bible is to save on a regular basis, and it is important that Christians develop good habits to replace bad habits.

All told, to get out of debt, a Christian must utilize these points we've just discussed; there is no alternative under God's plan for being debt free. Establish the Tithe Every Christian should establish the tithe as the minimum testimony to God's ownership. How can anyone say that he has given God the total ownership mentioned earlier when he has never given testimony to that fact? It is through sharing that we bring His power in finances into focus.

In every case, God wants us to give the first part to Him, but He also wants us to pay our creditors. That requires establishing a plan and probably making sacrifices of wants and desires until all debts are current. You cannot sacrifice God's part - that is not your prerogative as a Christian. So what is the key? If a sacrifice is necessary and it almost always is , do not sacrifice God's or your creditor's share.

Choose a portion of your own expenditures to sacrifice. Accept God's Provision To obtain financial peace, recognize and accept that God's provision is used to direct each of our lives. Often Christians lose sight of the fact that God's will can be accomplished through a withholding of funds; we think that He can direct us only by abundance of money. But God does not choose for everyone to live in great abundance.

The Balance Between Faith and Planning Ahead

As stated before, this does not imply poverty, but it may mean that God wants us to be more responsive to His day-by-day control. Each Christian must learn to live on what God provides and not come under the pressure brought on by driving desires for wealth and material things. This necessitates planning life-styles around the provision that God has supplied - it can be done. Avoid Indulgence Every Christian, to achieve financial freedom, must avoid the indulgences of life. The range in which God's will can be found is between Luke 9: Are you willing to trust God and deny yourself some indulgences?

As you do, He will supply you even more. Unfortunately, most of us are self-indulgers, rarely passing up a want or desire, much less a need. But, in light of the needs around us, it is important that Christians assess their standards of living. Most of us can reduce our expenditures substantially without a real reduction in living standard. Seek Christian Counseling It is important to seek good Christian counseling whenever in doubt.

God admonishes us to seek counsel and not to rely solely on our own resources. In financial planning, many Christians become frustrated because they lack the necessary knowledge and then give up. God has supplied others with the ability to help in the area of finances. The following material is provided as a practical guide to help you establish a family budget. Steps to Making a Budget In making and using a budget, there are several logical steps, each requiring individual effort. A sample form for budgeting is shown at the end of this section. Use this form to guide your budget preparation.

List Expenditures in the Home on a Monthly Basis 1. In order to accurately determine variable expenses, it is suggested that both husband and wife keep an expense diary for 30 days. List every expenditure, even quarterly purchases. If you operate on a non-fixed monthly income, use a yearly average divided into months. Expenses If total income exceeds total expenses, you have only to implement a method of budget control in your home. If, however, expenses exceed income or more stringent controls in spending are desired , additional steps are necessary.

In that case, an analysis of each budget area to reduce expenses is called for. These areas are outlined below. Budget Busters "Budget busters" are the large potential problem areas that can ruin a budget. Failure to control even one of these problems can result in financial disaster in the home. Naturally, these percentages are not absolute and will vary with income and geographical location. Many families buy a home they can't afford, motivated by peer pressure or some other pressure.

It is not necessary for everyone to own a home. The decision to buy or rent should be based on needs and financial ability rather than internal or external pressure. Others buy too little. Typically, the average American family buys the wrong type of food. The reduction of a family's food bill requires quantity and quality planning. Hints on grocery shopping Always use a written list of needs. Try to conserve gas by buying food for a longer time period and in larger quantities.

Avoid buying when hungry especially if you're a "sugarholic". Use a calculator, if possible, to total purchases. Reduce or eliminate paper products - paper plates, cups, napkins, etc. Evaluate where to purchase sundry items such as shampoo, mouthwash, etc. These are normally somewhat cheaper at chain drug store sales.

Where’s the line between having faith and planning ahead?

Avoid processed and sugar-coated cereals. These are expensive and have little nutritional value. Avoid prepared foods, such as TV dinners, pot pies, cakes, etc. You are paying for expensive labor that you can provide. Determine good meat cuts that are available from roasts or shoulders and have the butcher cut these for you. Buying steaks by the package on sale is fairly inexpensive also. Try house brand canned products. These are normally cheaper and just as nutritious. Avoid products in a cyclical price hike. Shop for advertised specials. These are usually posted in the store window. Avoid stores that give merchandise stamps if their prices reflect the cost of the stamps.

Not all do - some simply substitute stamps for other advertising. Purchase milk, bread, eggs, etc. Keep some dry milk on hand to reduce "quick" trips to the store. Avoid buying non-grocery items in a grocery supermarket except on sale. These are normally "high mark-up items. For baby foods, use normal foods processed through a blender.

Leave the children at home to avoid unnecessary pressure. Check every item as it is being "rung up" at the store and again when you get home.