No one likes getting older, and no one likes overspending on everyday items. As luck would have it, we’ve found a solution! Well, not for the getting older thing. We’ll leave that to scientists. As far as overspending your hard earned dollars, we have great news!
I stumbled upon an article the other day listing over 100 companies that offer discounts to “seniors”. The only thing you have to do to qualify is be above a certain age. Even better news is that you don’t have to wait until your 65 or older for a lot of these discounts. Some stores are offering the deals to people that are over 60, over 55, and they are even offering discounts to people as young as 50! Turns out you don’t have to be a “senior” to start cashing in on the savings. These senior discounts are out there at stores and restaurants where you are already shopping, and all you have to do is ask for your Senior Discount to enjoy the savings.
I’ve recently ran into some people that have said the exact phrase above. I can’t say that I haven’t ever said these words either. For many it is a perception of what life insurance is and how much it costs. For others it’s a mindset of I can’ barely afford to make the rest of my bills, how can I add another one. Especially one that I won’t benefit from while I’m still alive.
DON’T READ THIS BOOK!!
David Platt’s book, “Radical”, is truly a book that will change your perspective of life. The best advice I can give you about this book is not to read it unless your ready for your life to get uncomfortable. Platt has a knack for story telling, and he does it in a great way. He uses many personal stories, and some from others to stir in your heart a desire to do Christ’s work. Platt even goes as far as to convict himself and his church for the money and time they have wasted on pleasure and comforts instead of spending on things that matter to God.
We did something for the first time since we have been married. No not that. We bought all of our Christmas gifts without a credit card!! What a great feeling it is entering the new year to know that we haven’t created any new debt that we have to work to pay off before we can enjoy the money we earn. Does this mean that we bought inexpensive gifts or homemade gifts. No. We didn’t change how much we spent on gifts, we changed how we prepared to buy these gifts.
We have been on a quest for the past year to get out of debt ASAP. God has blessed Liz and I tremendously on this journey. I believe it’s only because of Him and His blessings that we are where we are now. The tool I am using for this process is called a money merge account created by the United First Financial. You can get all the info by clicking here.This year was different for us because we planned for upcoming known expenses. Christmas comes every year, and every year we buy gifts. So why is that we don’t plan for this expense until December. A wise person once said, “If you fail to plan, you plan to fail.” It’s so true in any areas of life, and definitely in money.
Some other things that we have planned for: birthday gifts, doctor bills, car repairs, vacations, etc. People get sick and cars break down, it’s a fact of life, so why not plan for those things instead of living to your financial edge and hoping things don’t break down.
We are still on our quest for debt freedom, but we know it doesn’t happen overnight. But the first step is not to create new debt, which might mean making sacrifices on things we want but don’t need right away.
What a funny word huh? Dictionary.com defines it this way: to persist in anything undertaken; maintain a purpose in spite of difficulty, obstacles, or discouragement; continue steadfastly. We’ve seen many people persevere through things. A cancer survivor, a prisoner of war, an athlete coming back from a severe injury, etc. Most of us have had to deal with something in our live that we had do persevere through.
Job of the Bible had to persevere though so many things that happened to him. And through that story, and my own perseverance, I have learned many things also. This past weekend was one of those trials. Our car broke down in the middle of Columbus on Saturday. After we finally found a repair shop that was open, he let us have the bad news. Our transmission needed a new sensor, we needed a new wheel bearing, and a new belt. All in all, I get to hand over over $1000 in parts and labor. Just when we were making some great progress financially.
And in times like these it’s easy for us to ask God the question “Why?” Why me, Why did this happen to me, etc. But as we learn through Job’s story, the question “Why?” isn’t the one we should be asking. Because when we keep asking God why things happen, we lose sight of the most important questions.
What are you trying to teach me through this situation?
How can I prevent this from happening again?
What crisis was avoided because of this?
See in our situation, if our transmission wouldn’t have stopped working, the mechanic told us that more than likely our wheel bearing would have snapped off as we were driving 70 MPH down the highway on our way home. Thank God for our broken transmission. Whether we learn it through Job’s story, or our own stories, the question “Why?” isn’t the most important question to be answered. But the most important thing we can learn is that no matter how bad things get here, we can still be filled with JOY knowing that our eternity is secure in Jesus Christ.
James 1:2 – 4 – Consider it pure joy, whenever you face trials of many kinds, because you know that the testing of your faith develops perseverance. Perseverance must finish it’s work so that you may be mature and complete, not lacking anything.
Now Playing – Sanctus Real – Whatever You’re Doing
I can hear the collective groans echo through cyberspace as we all think about the years and thousands left on our mortgages. Many of us see our mortgage payments as never ending. In fact, if you break down the word mortgage, it literally means “loan to death.”
Here’s my reality. I have 29 year left on my mortgage, and I couldn’t stand the thought of paying the bank almost as much in interest as the original cost of my home. So I found an amazing company to help me pay off my mortgage in half the time (18 years), saving me tens of thousands of dollars (over $35,000).
Here’s the amazing part:
- You don’t have to refinance your current mortgage.
- There is little or no change to your current budget.
- My monthly mortgage payment doesn’t change.
Sound too good to be true? I did too, but Worth Unlimited and their Worth Account is legit, and it works. This program uses banking principles, and their software to pay off mortgages in 1/2 to 1/3 the time you are scheduled to pay it off.
You owe it your yourself to get a free analysis. It costs you nothing, and your information is kept completely confidential. So go check out Worth Account, click on the free analysis link, and see if you qualify.
Just think what you could do if you didn’t have a mortgage payment anymore?
Now Playing – Jeremy Camp – Let It Fade