Hope for your financial life and beyond

Give Money and It Shall Be Given Unto You? (Luke 6:38)

“Give and it shall be given unto you; good measure, pressed down, and shaken together, and running over, shall men give into your bosom. For with the same measure that ye mete withal it shall be measured to you again.” – Luke 6:38

give and it shall be given unto youI’ve spent a lot of time cataloging all the Bible verses about money. I started this site years ago so that I could share what I learned about money from reading the Bible. There are literally hundreds of verses that give us positive instruction and warnings about the proper use and abuse of our money.

Unfortunately, individuals and churches have misinterpreted many verses in the Bible about money. It’s easy to do. Sometimes the verses are actually hard to interpret. Other times however, people do it to promote an agenda. In other words, people use these verses to teach and promote a message that isn’t there.

Of all the verses in the Bible about money, people abuse Luke 6:38 probably more than any other verse. It reads:

“Give and it shall be given unto you; good measure, pressed down, and shaken together, and running over, shall men give into your bosom. For with the same measure that ye mete withal it shall be measured to you again.” (KJV)

Why misinterpret this verse so much? Because many have chosen to believe or teach that this verse means you can profit financially from giving. Let’s look at why this is incorrect.

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Interview with a Centenarian: At 100, My Grandfather Reflects on Life, Faith and Finding Purpose

Oh, to be a centenarian – 100 years of living. It’s simply amazing! Most of us would settle for 80% of that. It’s hard to fathom the changes and life events someone born in 1914 has experienced.

centenarian

Byron Miller – Preaching at 100 years of age

What will you be up to at 100 years of age? My grandfather, as shown in the picture, preached a sermon the day after he turned 100. His challenge to those who listened:

1. Practice Gratitude (be thankful)

2. Express Certitude (in the things of your faith)

3. Develop Fortitude (build the power to endure)

And he played his guitar and sang a short chorus at the end. The song’s message – “Just a little bit longer Lord…just a little bit longer.”

Not a dry eye in the house.

In the weeks leading up to his 100th birthday, my grandfather was kind enough to answer some questions about his life. I’d encourage you to take five minutes to enjoy this thought provoking read about a man who has experienced the Depression, the loss of siblings, financial challenges, joys and regrets and 60+ years of ministry.

Q & A With a Centenarian

1. What is the most amazing thing you have seen in your lifetime? Why did that stand out?

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The Most Important Reason You Do Not Worry About Tomorrow

You’ve probably heard it said at some point, “Hey, do not worry about tomorrow. Focus on today and let the future take care of itself.” That’s not bad advice really. The older I get the more I’m realizing why.

do not worry about tomorrowWe all have things that affect our actions from day to day. Things we’ve done in the past affect us in the present. Things we are doing in the present affect us in the present. And believe it or not, things that we will do in the future affect us in the present even though they haven’t happened yet.

You may be thinking, “How could that possibly be if those events have yet to occur?” Well, it’s not the event per se that affects us. It’s how we think about those yet-to-happen events and how they lead us to worry about them.

Of those three time lines – past, present and future – I think the future one has the greatest potential to stop us in our tracks. Here’s how.

Why You Do Not Worry About Tomorrow

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Borrowing Money with Bad Credit

If you have made some wrong financial choices in the past, that doesn’t mean that you shouldn’t be given a second chance and a way to get back on your feet. And it doesn’t mean no one is willing to do so.

Conventional lenders such as banks or credit unions might decline candidates with poor credit reports because they don’t consider them trustworthy. Even a secured loan may be out of the question. Direct or online lenders may be more open to approving your application, but their terms won’t always be most favorable.

Here are some options to consider if you have bad credit and are looking to take out a loan.

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5 Best Ways to Build Your Credit Score 

Having a top-notch credit score is essential in your every day to day life. More and more people need a good one to access things for their life. It makes a person more desirable to employers, landlords, and mortgage lenders as well as negotiating for lower auto insurance rates and other services. 

But the million-dollar question is, “What can one do to build their credit score?” If you are wondering the best strategies to guild your credit score, you are in luck.  Today we will discuss a few options that will aid you in getting a good credit score.

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How to Make a Zero Based Budget in 3 Easy Steps

One task that may not be apparent to first time budgeters is to create a zero based budget. My wife and I had tried to make a monthly budget before but for one reason or another, our budgets never seemed to work. Putting this step in place helped us lesson those failures and moved us towards a place of continual success with our budgets.

zero based budgetThe process of putting a zero based budget together is not hard to understand. Like any other budget it does require some planning and attention throughout the month. You might have to tweak some numbers here and there as the month unfolds and life happens. In my opinion it’s the best type of budget to put together as it leaves no room for money to go unaccounted for.

It’s important to have records of where money goes. With records, you have built-in accountability that shows where you spent your money. You begin to see patterns of how you spent your money over time. Then, you can then make changes if those patterns reveal things you don’t like about your spending.

So, let’s walk through the process of how to put together a zero based budget.

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Sinking Fund: The Best Way to Save Money for Christmas Gifts (or anything)

Do you hate Christmas shopping? About ten years ago, that was my wife and I. It took enormous amounts of time and energy. But more than that, it played havoc on our monthly budget. In December, we’d have to come up with money for Christmas gifts out of nowhere while still paying all our other bills. It was a real challenge that often led to frustration and even overspending on gifts. Thankfully, the frustration vanished the day we heard about a simple money management technique called a sinking fund.

sinking fundCreating a sinking fund isn’t a new concept. However, it took me to my mid-30s to hear about it. In essence, a sinking fund is a savings fund you create for the express purpose of purchasing something in the future. As we discovered, it’s a really easy technique anyone can learn.

And it’s also one of the best practices to help you eliminate overspending and pay for bills, gifts or other budget items that come infrequently. Because certain items come infrequently, you need to plan in advance for them. That is why this article is so important to read now. Follow what I suggest now and  you will be prepared for next Christmas.

This technique has revolutionized how my wife and I pay for things. You need to know how it works. At the end of the post, I’ll include the template we use to keep track of our savings.

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How to Be Sure Children Should Get Your Inheritance Money

The question comes at some point in everyone’s life – “Who will I leave my inheritance too?” If you are in your 20s, the thought probably hasn’t crossed your mind yet. But it’s most definitely been thought of by people in their 40s, 50s and beyond, especially those who have a family, money and other assets.

inheritanceWe all hope to live as long as possible. With modern science advancing at leaps and bounds, life spans are being extended to 100 and beyond more and more often. But, in the end, we all know these two realities of life to be true:

1. Our death will occur at a fixed moment in time.

2. Nobody knows exactly when that moment will be.

How interesting that death brings with it aspects of certainty (we will die) and uncertainty (when?). That dualistic nature of death is fascinating. Perhaps that’s why issues surrounding death and what will happen after we are gone remain difficult to discuss. We simply don’t like thinking about anything that relates to the end of us.

But we have to think about it for there is so much at stake. Mess up our death and it could impact those left behind for generations to come. Today we will look at one aspect of death you need to consider – whether or not to leave an inheritance to your children.

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12 Short Bible Verses that Pack a Powerful Message

There is no doubt about it – the Bible is a big book. Within its pages you will find over 31,000 verses that teach, guide, warn and encourage. It’s so long, many people embark on a long journey to read the Bible in a year. And while all the verses are meaningful in some regard, some of the best are the short Bible verses that drive home a powerful idea.

short bible versesThe best thing about short Bible verses is that they can easily be memorized. Psalm 119:111 says, “Your word I have hidden in my heart that I might not sin against You.” It wouldn’t take but a few minutes to commit that to memory.

Short Bible verses help us quickly fight off sin, encourage us in our times of need and help us minister to other people. And, because they are short, it will be easier to recall them. When the time comes, you can pull a specific verse out of your memory banks and draw strength from it as you handle the challenges of life.

There are so many short Bible verses to choose from so I’d encourage you to do your own study and seek them out. I’ll give you 12 here today to jump start the process.

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2020 Goals That Will Make This the Best Decade Ever 

Boom! Just like that, it’s over. In a few days we are set to close out a whole decade and begin a new one. By some accounts, we just experienced the best decade ever. Could bigger and better be yet to come? I believe so. But that bigger and better all starts by making some 2020 goals to help launch this next decade.

2020 goalsAre personal goals really worth it? Some people live and die by them. Others pass them off as cliche and not worth the effort. I mean, who really cares about setting goals when you know for sure you won’t keep or reach them?

It is true that people have varying degrees of success when it comes to completing their goals. But just because you may fail at them doesn’t mean you shouldn’t have them. For a variety of reasons, setting goals is simply too valuable an exercise.

Goals provide pacing to your life. They focus you on short and long-term tasks. They give you direction, purpose and clarity. Completing them gives you confidence and propels you on to do even more.

But maybe most importantly, goals allow you to dream.

“What would life look like if I could…?”

“How would my life change if I accomplished/gave up/worked on…?”

“Who would benefit if I…?”

It’s in the dreaming stage that goals are birthed. So as you dream about what the next decade of your life looks like, perhaps it would be good to set some 2020 goals that will serve to guide you through the next 10 years.

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If You Do Anything This Year, Please Consider Receiving This Gift

…the gift of God is eternal life in Christ Jesus our Lord.” – Romans 6:23

giftHow are those Christmas gifts working out for you? What level of satisfaction are you receiving from them? Wish you had received something else?

Gifts are awesome! My wife and I have bought many gifts for the house that have enhanced our family life. One of note a few years ago was a a 100+ yr. old oak pedestal table for our kitchen eating area. We had been looking for a larger kitchen table for the family because the six of us were sitting so close together we were knocking knees under the old one. Some nights it was just easier for me to eat standing up, plate in hand.

We have received so much satisfaction from that table. We have physical space so we are not breathing on other people’s food. Dinners are relaxing and comfortable.

But while it was a great gift to ourselves and does provide a convenience, in the end it’s just a thing. It’s a possession that won’t last. It’s a personal asset that does not fulfill any deep emotional or spiritual needs inside our souls.

The Pursuit of Assets

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