Archive for the 'Money' Category

Just say no!

Friday, August 1st, 2008

In response to the stories I’ve read on CNN Money - http://money.cnn.com/galleries/2008/news/0805/gallery.real_people_debt/index.html

Just say no to debt! You don’t need it. It’s not going to fix your problems and neither will a new president. You don’t win with money by buying things you can’t afford. You don’t win with money by borrowing it. To win with money (or at anything in life) requires a change in your habits: refuse to borrow another dime, develop a written budget and stick to it and quit buying things you can’t afford!

YOU are the answer to your problems, which is a good thing because you can’t change the government but YOU can change YOU.

Debt is Dumb…

Wednesday, March 26th, 2008

One of my favorite Dave Ramsey quotes is:

“Imagine what the people of God can do for the Kingdom of God if they didn’t have any debt!”

I’m on baby step 2

Spring Cleaning

Monday, March 3rd, 2008

This seems to be my ‘7th Heaven‘ theme of this season in my life.  I reflect back on the past few months and see it all as a time of clearing space in my life and putting things in order.  I have a lot of clutter in my life — and most of it isn’t bad, but all together it’s been a burden.  The more I think about it, this past year has been a season of getting rid of the clutter and creating space.

I finally wrote out a budget this weekend.  It’s been one of those things I’ve been meaning to do but didn’t want to for fear of having to stick to it.  To be honest, there was actually the reverse effect, it was rather freeing to know how each dollar would be spent before writing a single check or making a swipe of the debit card.  John Maxwell says that a budget is “telling your money where to go instead of wondering where it went”.  It’s a miracle that I’ve been able to operate without a budget for this long.  One thing that I have noticed from my budget is that I’m not underpaid, I’m just in too much debt!  I’ve got a new car payment and no new car.  If I were not in any debt I’d have an extra $450 per month to give,spend and save.  Now that is some motivation to get out of debt!

At church today Josh Patterson gave a “state of the union” type address where he talked about the amazing things God did last year at the Village and the direction the church would be moving in 2008.  I had actually already heard this talk (it was given at the leaders retreat last month) but it was just as affirming the second time around.  He talked about how our theology should drive our philosophy which should determine our practice.   It should be on the Podcast soon, so if you ever wonder how the Village operates, this would be a good one to check out.  One thing that is changing is our ministries.  We’re getting rid of a bunch of them.  No more college ministry.  So long single’s ministry.  Goodbye men and women’s ministries.  We plan to minister to singles, college students, men and women but not in individual ministries with individual budgets.  The idea is (as I understand it) less ministries, more ministry.  Ministry at the Village happens in small groups, so we’re pouring all of these ministries into our small groups.  Less clutter.  Another goal is to move our small groups into more multi-generational groups.  Currently our groups are based around life stages — my home group is a single guy’s group with ages from 24-30ish.  This is great for community and fellowship because we’re all realatively at the same place in life.  That said, we’re nothing but a pool of ignorance when it comes to things like marriage, buying a house, or raising a family.  The big goal in all of this is to build depth in our relationships; to answer the question “how do you have community in a church of 5000 people?”

I’ll end with some thoughts from Zig Ziglar.  Go check out his podcast on iTunes.  Ziglar often asks the question “are you a meaningful specific, or a wandering generality?”  What he’s talking about is goal setting.  Without goals in life we do a lot of work but often it’s aimless.  We’re busy but we’re not productive.  We talk a lot but we haven’t said anything.  We make a lot of money but we’ve got nothing to show for it.  We have a lot of ministries but we don’t do a lot of ministry…  The more clutter I clear away and the more specific and intentional I become, the more excited I get at the thought of what God will do in my life.

Budget Degree?

Wednesday, February 27th, 2008

So most of you know I’m on Dave Ramsey’s “get out of debt” plan.  His theory is, if you don’t owe any debt you can do the 3 things money was meant for: spending, saving and giving (not necessarily in that order).  So, I’m at a place in life where I’m thinking I should be taking classes towards a degree — but I’m not too sure on the who what when’s.  I found out yesterday that the faculty and staff scholarship at UNT pays more than I thought.  Normal graduate tuition is about $290 per credit hour which would be $10,440 for a 36 hour degree.  I was under the impression the scholarship would cover about $3,000 of that leaving about $7,000 — a steal for a Master’s degree.  The scholarship actually pays for everything except for state tuition which is only $100 per credit hour meaning I could get my Master’s degree for the low low price of $3,600!  I could pay for that out of pocket!  If only I had known this last semester before I spent that much on only 2 classes at Regent…

I’ve still got my eye on the Master of Journalism (MJ) degree program.  I’ll keep you posted.


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