Hope for your financial life and beyond

God Places Us For A Purpose – Find Yours

god purposeAre you sick and tired of your job? Wish you could win the Mega-Millions Jackpot and escape to paradise, never to work again? If so, maybe some reflection and a new perspective is in order about your purpose from God.

What you may not realize is that God gave mankind purpose. He endowed humans with the nature to work from the very beginning. They could not escape it, not even in paradise.

In Genesis chapters 1-2, God spectacularly created the universe and all that it contains. He spoke the heavens, planets, stars, plants, animals and finally human beings into existence. At the end of it all, after six days of creation God was very pleased with his creation and rested on the seventh day.

God issued an important command at the end of His creating. He told Adam and Eve, “…have dominion over the fish of the sea, over the birds of the air, and over every living thing that moves on the earth” (Genesis 1:28). In essence, God granted mankind authority to rule what He had just created.

Then God did something awesome. He created a garden of paradise – in a place called Eden. And God gave the first humans a purpose.

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The 10 Best Summer Jobs for Teens and College Students

Memorial Day marks the official beginning of summer. For teens and college students that means one of three things. Either you are:

a) continuing school by choice (to get ahead) or out of necessity (because you failed)… summer jobs for teens

b) looking for a summer job to earn money or…

c) in for a really boring summer sleeping in and playing video games.

We all know that teens and college students love money. But we also know that some of them NEED money in a bad way. They have lots of expenses, from gas for the car, to eating out with friends, to paying for college tuition and expenses. Many times, parents are unable to fully fund (or refuse to fund) these expense categories. So teens and college students are left to support themselves. And the time to rack up the big money in a paycheck is over the summer when they are out of school.

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Consider the Ant in Your Definition of Work Ethic (Proverbs 6:6)

“Go to the ant, you sluggard! Consider her ways and be wise.” That verse from Proverbs 6:6 contains an odd word we rarely use today – sluggard. The first thing I think of when hearing that word are creeping, slimy slugs. So sticky and definitely no fun to hold.

consider the antYou may not identify with that word. But you could easily understand what a sluggard is if I gave you some synonyms. How do these words grab you – lazy, sluggish, loafer, slacker and couch potato. Get the picture now?

God has a lot to say about the lazy in the pages of the Bible. This particular passage in Proverbs may be the best known of them all. I think mostly because it tells us to “consider the ant” – an animal we hardly ever pay attention to.

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Online Business Ideas That Make You Money

In 1991, the Internet as we know it went live to the general public. At the time, there was little fanfare. And it would take most of the rest of the decade before it became mainstream.

Now the Internet is everywhere. And have people sure learned how to use it…especially to start an online business and make money.

As the Internet has evolved, people continue to spend more and more time on it. More eyeballs looking at content means more opportunity for people to monetize that content. So, for many, starting an online business sounds like a good idea.

There are a multitude of ways to make money on the Internet. And if you have never worked on the Internet before, that should not be something to stop you. Those who are willing to learn can be a success and make enough money to either earn a living or provide a little extra on the side in their monthly budget.  The work itself does not have to be full-time. Plenty of people are adjusting their schedules and juggling both their regular work as well as an online side hustle. 

So, if this is something you are interested in, you will need an idea for a business plan first. 

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All Work and No Play: Combating the Dangers of Workaholism

All work and no playDo not fear. I’m not writing from a snowed in mountain resort lodge. I have to admit for years I assumed the proverb “All work and no play makes Jack a dull boy” came from that Stephen King horror novel turned Jack Nicholson movie thriller The Shining, which mistakenly came in front of my eyes as a youth (thank you older cousins). I say mistakenly because no one under the age of 21 should put that imagery into their head. (And maybe if you are over 21, you shouldn’t either.)

As it turns out the phrase “all work and no play” was originally published in Proverbs in English, Italian, French and Spanish (1659) and is attributed to a writer by the name of James Howell.

The warning of the all work and no play proverb seems clear enough to me. If we don’t release ourselves from the pressures of work from time to time we will become dull and uninteresting. We become like the automated robot on the assembly line who only finds fulfillment in one thing – doing its job. When life becomes our work, we neglect time for hobbies, family, friends, exercise, watching sports, reading, or just plain vegging, all of which could add significant value to life if we let them.

That type of existence doesn’t spark a fire in me at all. Work definitely has value and should be something we take seriously. But life is so much more than working all the time.

So what should people battling with workaholism do? Fortunately, there is a path forward to a better work/life balance.

A Guideline For Work

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Money Flow: 8 Tips for Getting Paid Faster as a Freelancer

Have you ever thought about becoming a freelancer? I was for a time, writing blog posts and articles for various websites. I really enjoyed it and and it was quite beneficial. 

freelancerWhen you’re just starting out as a freelancer or you’re in business by yourself, how quickly you get paid for your work is crucial. Your company’s overhead and your personal livelihood all depend on you. You can’t be sitting around for weeks once the work is done wondering what is going on and waiting for the money to roll in.

Staying busy is one thing, but if your invoices aren’t getting paid timely, it doesn’t matter how much work you have. You’ll end up being frustrated and not enjoying the freelancing lifestyle. 

So, to increase your money flow and ensure prompt payment, follow these 8 tips.

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How to Save One Thousand Dollars in a Month

Are you serious about getting out of debt and building a strong financial future? If so, then you must save money on a regular basis. The best part is you don’t have to begin with much. All you need to do for starters is to save one thousand dollars. That will give you some cushion and breathing space which you can then build on.

Speaking of building, when I worked construction I learned that every building requires a solid foundation. For your financial life, that foundation is savings. Without adequate savings you will struggle to get out of debt and will always be susceptible to emergency situations.

save one thousand dollarsNow I know for most people the process of saving money isn’t a sexy financial move. We’d rather spend money on gadgets or entertainment or experiences that give us an emotional high. Saving money and leaving it in the bank is an emotional blah.

To save one thousand dollars in a month may or may not sound like a daunting task. Some of you may be struggling to pay your basic bills. To save one thousand dollars may as well be like saving one million in your eyes.

But be encouraged. You can save one thousand dollars quickly. In fact, you can do it in only one month. Here’s how.

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How Much We Pay Our Kids For Chores

If you’ve ever wondered how much to pay kids for chores you are not alone. It’s a question my wife and I have wrestled with again and again. I’ve mentioned before why we don’t give our kids allowances. I’m not giving them money just for existing. It seems like that is what an allowance implies. Kids need to feel the burden of work so they can experience the joy of its rewards.

how much to pay kids for choresIn addition to earning some money, doing chores around the house is teaching them responsibility. The home is where they should begin to learn basic life skills. When I was in school, I knew some college freshman who couldn’t do their own laundry. All four of my children have been doing their laundry since they were nine.

Over the years my wife and I have adjusted how much we pay our kids for chores. The amounts started out small and increased as they got older. And then when we started having teenagers, specifically when they turned 16, we made another radical turn. Before I get to that though, here is some background information that helped us decide on how much to pay kids for chores.

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20 Flexible Part Time Jobs For College Students

Every fall about this time, parents are gearing up to send their kids back to school. In some cases, that means sending them to college. It’s an expensive proposition putting a child through college. But there are so many part time jobs for college students that can help bring in some extra spending money.

part time jobs for college studentsMore than likely, students have figured out how to finance college tuition, student fees and room and board. However, there are so many hidden costs of college for which students don’t prepare. These little incidental items can certainly add up. So, unless an endless stream of cash is flowing from mom and dad, students will need to secure some extra spending money.

The big question though is, what part time jobs can reasonably be done by college students? Yes, you could work a full-time job and attend classes but that’s not what most students are looking for. The average student just wants enough spending money to go to parties, put gas in the car and pay for their books.

With that in mind, here is a list of 20 part-time jobs and activities that could earn a college student a little bit of extra spending money.

Part Time Jobs for College Students: On Campus

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How to Manage Your Side Hustle and Family Life So You Don’t Go Insane

There may come a time in your life where you want to or need to create a side hustle to earn extra income. It can be many things depending on your skills and the depth of your need. Regardless of what you choose, it will be something you do on the side (apart from your day job) to bring in additional money to the family budget.

Side hustles can be a financial blessing. They can help you build up your savings account or pay off debt or meet any a number of financial goals you might have.

side hustle IIIHowever, while the additional income of a side hustle is welcome, there is a dark side that many are unprepared for. Side hustles, done improperly, can be a curse on family life.

It’s one thing to have a side hustle if you are single. I remember talking with a blogging friend who told me how he’d work his 9 to 5, take a 30-minute dinner (maybe) and then work till past midnight writing and networking. I’m not saying that’s necessarily an easy schedule but it’s not like you have anyone else to account for. It’s just you.

When a spouse and/or kids are in the picture side hustles take on a whole different dimension.

There is a tension that immediately surfaces the minute one member of the family begins a side hustle. What was a normal life is no longer normal.

You know the side hustle must be done to improve your financial life. But you also know family life matters. How can you manage it all and not go insane?

Here are a few strategies I’ve used over the years as I’ve managed a career, side hustles (my blogs) and family life.

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What I’d Tell My 20-Year Old Self about Financial Freedom

the futureEnjoy this guest post today from blogger and website owner Joseph Hogue as he shares his ideas about financial freedom.

The best lessons come from our experiences even if sometimes it’s our biggest mistakes. I’ve made more than a few mistakes in life. Fortunately, I’ve learned from at least some of them.

I think most of us can relate to Brian’s story of getting financially real from a mistake even if it took a while to figure it out. I have a drastically different interpretation of financial freedom now versus what I thought it meant earlier in my life.

It would be great to go back and clue my 20-year old self in. Maybe a quick slap on the head is what would be needed for this stubborn former Marine. I can however be happy that I learned from my misguided idea of financial independence and that it set me on a path to fulfillment in the future.

Before reading how financial freedom has changed for me, ask yourself, what does it mean to you? Then see if it changes after you read my story.

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