Here are the slides from my PowerPoint presentation at our Titus 2 Moms group last night. Email or call me if you have any questions as this is such a broad outline and most of the information was from me speaking...
THE 3 BASICS
Tithe (10% of GROSS, start with 5%, or $___ amt. and gradually work up to 10%); Give $$, services, products...
Save (10% of GROSS, start with 5%, or $___ amt. and gradually work up to 10%)
Steward / Spend (80% of NET to be conservative)
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BILL PAYING AT OUR HOUSE
One day a week, Wednesday or Thursday, at our house, gather everything you need in one place; allow one hour to carefully work on this
Tithe to the Lord
Save i.e. pay yourself
Pay bills; Tonya’s “painless” accrual method of paying larger bills; index card system
When bills are due, pay online rather than mailing
Use as many bank accounts are needed to keep things separate. We have 11 accts. at 2 banks (4 in our family, two of us have home businesses), checking and savings for specific people/uses, with NO BANK FEES
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MINT.COM
FREE online service
Passwords for all accounts needed
Easy to do taxes
Graphs to show trends
Easy to monitor transactions and see where you are spending too much
Passwords for all accounts needed
Easy to do taxes
Graphs to show trends
Easy to monitor transactions and see where you are spending too much
No input of data needed; it's done automaticallyOR buy Quicken / Intuit program and keep everything totally separate and off the internet
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STEWARDSHIP
TITHE and GIVE-- trust God to provide for your needs; it is not presuming on Him if you are managing your $$ wisely; give to Him and others generously
SAVE-- a % or $ amt. each week! Christmas $$, special purchases, emergency fund, extra cash; envelopes
STEWARD-- you can have fun and not be extravagant; “where is the $$ to pay for this?”
Avoid temptation--Wal-Mart, Target, internet, “sales”
Use Coupons, shop on sale, buy in bulk
Another source of income?
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ACTION STEPS
Are you giving to the Lord’s work?
What needs to change in the way your family spends the $$ that God has provided to you?
Work on ONE new good $$ habit at a time and ask the Lord to help you. Do you have a spending addiction?
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Parable of the Talents (it's not as little as you think)
Talent
= 3,000 shekels
= 60 minas
= 34.3 kilograms
= 75 U.S. pounds
Used as a measure of weight and money. If in today’s money an ounce of gold = $1,200, (actually, it's closer to $1,400 an ounce) one talent is worth about $1,440,000 (each of us has at least that much money pass through our hands over our lifetime, even with low-moderate income)
Sources: Easton's Bible Dictionary, Wikipedia
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What we all want to hear from the Lord one day...
Matt. 25:21
... ‘Well done, good and faithful servant.
You were faithful with a few things,
I will put you in charge of many things;
enter into the joy of your master.’
Manage your $$ well over your lifetime. It's a journey with ups and downs but the Lord is there with you all the way.
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HELPFUL RESOURCES
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