Last time we talked about exercising our faith by honoring our bodies in SPRING TRAINING #1 – HONORING OUR BODIES. Today I would like to focus on another area that I personally am working on and that is how to make our money work for us.  I admit it, I have been ignorant in this area. No class in High School or College prepared me for how to manage money. Yes, I can balance a checkbook, and input numbers for a profit/loss statement, but how to manage the everyday flow of it? No way.  Good news though – we are never too old to learn.

 

 

This past week I went to the library and got myself some advice from the experts, Dave Ramsey and Suze Orman. These are two that are well known for their ability to teach others how to make our money work for us. I started reading and I have to admit I am learning already. I have had a ‘hands-off’ approach to money. I hate it. And we have been living paycheck-to-paycheck for years. It’s stressful. We have had late fees and overdrafts. It’s humiliating. There has to be a better way. God did not call us to lack any good thing. So here I am, learning how to manage money – Hallelujah!

 

The first book I started with was Dave Ramsey’s “Financial Peace”. He got me right away when in Chapter One he says:

“This is ridiculous,” I murmered. “Only in America could you drive a Jaguar and not have the money to put gas in it.”  I wondered where the arrogant young man from a few years ago was. There I stood in the cold, a man in my twenties, knowing I was in the process of losing virtually everything I owned.

Yes, Yes, Yes, I can relate to this!  I am still reading FINANCIAL PEACE, so I may add to this post later, lol!

 

QUOTES ABOUT MONEY FROM DAVE RAMSEY

“You must gain control over your money or the lack of it will forever control you.” ― Dave Ramsey

 

“As a culture we are ignorant of what money is and how to handle it. Ignorance is not lack of intelligence; it is lack of knowledge on a particular subject.” ― Dave Ramsey, Financial Peace Revisited

 

“You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke.” ― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness
“Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!” ― Dave Ramsey

 

“Act your wage.” ― Dave Ramsey

 

“Pray like it all depends on God, but work like it all depends on you.” ― Dave Ramsey

 

“A budget is telling your money where to go instead of wondering where it went.” ― Dave Ramsey
“For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don’t back down.”― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

 

“Fear is the enemy of hope.”
― Dave Ramsey

 

SPRING TRAINING #2 – TAKING RESPONSIBILITY FOR OUR MONEY

 

1.  Admit that we have been in denial about our money.

We have not been active in managing our money. Our bank fees and overdrafts speak to our inactivity to look at, plan an attack, and conquer our goals in this area of our lives

 

2.  Seek out help from those who have mastered this skill.

We may not have had the training or skills to master money. That’s ok. We can start today. Today can be the day we take our heads out of the sand and learn to manage what God has given us.

 

3. Be willing to sacrifice

There is nothing more humbling that writing down everything you spend your money on. I know I have done it. Seriously, I had no idea I spent so much on ______. (fill in the blank). But the truth is the truth. And once we know, we can make intelligent choices on what to do next.

 

4. Make a plan

We have to be willing to look forward, past today, past the week, and plan what we would like to do with our money. I would love a vacation. We didn’t even go on a honeymoon. I would love to save for that. What about you?

 

5. Work the plan

Change happens when we are willing to go through the rough parts, the ugly parts and keep going. Take baby steps. Review your progress daily. Persevere my friends, it will be worth it.

 

6. Reward yourself for achieving your little goals.

Pay off the little credit cards and debts first (yes that’s what Dave says). Start to build momentum. Keep track, make a bulletin board or whatever, but make it visual and mark off when you accomplish paying off a debt. Celebrate!

 

7. Enjoy being a good servant of God!

God gave us our talents. He asked us to go multiply them. Whether you believe talents are money or what gifts you have been given He asks us to multiply both. Being ignorant and doing nothing is like burying our money and expecting it to grow. I don’t know about you, but I for one am ready for change. I can’t wait to hear, “Well done thou good and faithful servant.”

 

Here are some great PRAYER POINTS from POWER OF FAITH MINISTRIES. Prayer changes things. I can tell you when my husband and I said these verses out loud, money that was delayed for over a month was suddenly paid. There is power in the Name and Blood of Jesus. Print yourself out a copy. This ministry has 2 churches in Spain and one in Nigeria.

 

PRAYER POINTS FOR FINANCIAL RESTITUTION

 

And another great link. I was a bit surprised when I saw what God says about debt in the Bible. Check it out for yourself: