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Financial "Wisdom"

(New Site)

"You mean more than any earthly thing...won't you rain on me again..."


Ask and it'll be given..(Matthew 7:7). When it comes to learning how to "budget" you money, I try to ask the Provider-Heavenly Father for "wisdom" as Solomon did in the Bible: Old Testament....

" 4 The king went to Gibeon to offer sacrifices, for that was the most important high place, and Solomon offered a thousand burnt offerings on that altar. 5 At Gibeon the LORD appeared to Solomon during the night in a dream, and God said, "Ask for whatever you want me to give you."

6 Solomon answered, "You have shown great kindness to your servant, my father David, because he was faithful to you and righteous and upright in heart. You have continued this great kindness to him and have given him a son to sit on his throne this very day.

7 "Now, O LORD my God, you have made your servant king in place of my father David. But I am only a little child and do not know how to carry out my duties. 8 Your servant is here among the people you have chosen, a great people, too numerous to count or number. 9 So give your servant a discerning heart to govern your people and to distinguish between right and wrong. For who is able to govern this great people of yours?"

10 The Lord was pleased that Solomon had asked for this. 11 So God said to him, "Since you have asked for this and not for long life or wealth for yourself, nor have asked for the death of your enemies but for discernment in administering justice, 12 I will do what you have asked. I will give you a wise and discerning heart, so that there will never have been anyone like you, nor will there ever be. 13 Moreover, I will give you what you have not asked for�both riches and honor�so that in your lifetime you will have no equal among kings. 14 And if you walk in my ways and obey my statutes and commands as David your father did, I will give you a long life." 15 Then Solomon awoke�and he realized it had been a dream. "-1 Kings 3

It is better to give than to receive, which you hear a lot! I've heard so many stories of people who got out of financial debts through giving. I do my best to take 10% of my weekly pay check and give it to my local church. Then 10% and up, I give it to some charitable church focus non-profit cause or ogranization...see 10% cause

Personal Testimony-Financial Breakthrough

I was raised in a family with financial challenges and I didn't want to go through the same trials when I got older. After seeking financial wisdom from God through his Word and others that He has put in my life, I'm proud to say I'm financially free from any debts (currently a co-signer for some credit companies for my brother and a friend of mine). I want to share my story with as many people as I can to help them get out of financial debts. Instead of hiding this knowledgleable resources, I want to share this with as many people as I can. Feel free to contact me on any of this or if you have any suggestions, feedback, questions, or even prayer requests....

After doing a budgent analysis 2 years ago, I was able to break down some categories where I put most of my money in. These are the following categories I got in order by month:

Interests: A-Z Catergories

Appliances

-Washing Machine
*my mom's washing machine just broke down this morning (Saturday, November 24th of 2007)

  • Home Depot Appliances, (original site)

  • lowest ($300 range) to highest
    GE GE 3.2 Cu. Ft. Super Capacity Washer Model WVSR1060GWW $319.00/EA Each This item does not qualify for free shipping.
  • Sears Appliances, (original site)

  • White-on-white GE Appliances 3.2 cu. ft. Super Capacity Washer
    "Super Capacity washer with 8 wash cycles that offer convenient, preprogrammed settings for everyday wash loads. Bleach Dispenser automatically mixes bleach with wash water for proper bleaching action. Cycle selection is quick and easy with rotary electromechanical controls. Straight Vane-FlexCare Agitator provides gentle, yet effective washing action.
    3 water levels minimize water waste
    2 spin speed combinations
    Spin Only Option spin-dries wet clothes like beach
    towels and swimsuits
    Quiet By Design sound insulation"

    AUTO


    -car payments
    *paid off as of Jan 04'-praise God!
    -Fuel Efficient Cars
    CBS News Top 10 for 2005 Consumer Reports: Tips for Saving Gas and Fuel, from smartmoney.com
    "You can also visit the EPA's Web site, www.fueleconomy.gov to find data on fuel-efficient cars. Edmunds Top 10... Top 10 Gas Misers

    +Hondas
    Compare Honda Cars
    Compare Honda Models, from price quotes.com
    Honda Accord History, from edmunds
    Buerkle Honda, in St. Paul
    Richfield Bloomington Honda
    +Toyotas
    Golden Valley Auto Sales, the Toyota Corolla 2000 is on the tops of my list
    Toyota City-Luther, in Brooklyn Center
    Walser Toyota Scion, in Bloomington

    TOYOTA COROLLAS
    Toyota Corolla 2000 (Golden Valley Auto)
    Toyota Corolla 2000 31-38 mpg, from fueleconomy.gov

    *A-Z Minnesota Dealers, from keep it local Toyota Auto Parts The Auto Channel

    -Brakes
    CAR X
    Midas
    -Gas (prices in Twin Cities)
    -Calculations?..
    How Much Car Can You Afford?
    CarFax, VIN#?
    +Financing:
    Capital One Auto Finance
    ELoan

    "For most people, 15% of after-tax monthly income is appropriate for total monthly car payments"
    -Car Maintenance
    *radiator flush, etc...
    fuel pump, through midwayauto.us

    Discount Tires
    Alexandria Area-Yellow Pages (Tire Plus-directions)

    -parts
    Car Parts

    SUV FOR SALE

    -Auto Insurance
    Cars Helping People (Star Tribune Ad in 12/26/04)
    Answer Financial
    Progressive Insurance, Personal
    -Used Cars
    AUCTIONS
  • General Services Administration (GS) Fleet Services, U.S. Gov't Auto Auction

  • Northstar Auto Auction (Manheim)
    4908 Valley Industrial Blvd
    Shakopee, MN 55379
  • Midwest Auto Auction, in Moorhead
  • ONLINE/CLASSIFIEDS

  • Auto Trader
  • Cars.com, linked from Mpls Star Tribune (independent sellers included)
  • Car Soup
  • Keep it Local, dealerships focus
  • Other Tips:
    DMV
    Auto Check
    Info Link Screening
    Car Buying Tips
    Free Spreadsheet Download, for selling car
    Federal Trade Commission: Used Cars
    Driver and Vehicle Services from Minnesota Department of Public Safety
    Report of Sale, online form for MN
    Nada Guides

    -*instead of wasting gas, get a bicylce=>
    Bicycle Buying Tips, from bikesnspeds
    Bicycle Buying Guide-Errand or Commute Bike
    Cycling Forum, oiling chains
    Fixed Gear on the Cheap
    Twin Cities Bicycle Shops
    KHS Town & Country, for commuting
    -moving violations
    Common Moving Violations, from Minnesota State Courts

    -shows

  • Fergus Falls 29th Annual Car Show & Swap Meet Car Corral
  • Banking 101

    -Checks?
    How to write a check?

  • EHow
  • The Mint
  • Write the Checks the Right Way, from New Mexico State University (pdf. format)
  • Bank Rate, compare rates
  • Bremer Bank

  • Invest Financial Corporation
  • Riverview Community Bank, in Otsego, MN

  • Miracle in the Marketplace, by Ed Silvoso in GospelCity.com
    A growing bank near Elk River is part of a movement that melds conservative Christianity into the workplace., from Religion News Blog
  • Money Saving 10 Training Modules, from FDIC
  • -Credit Unions
    NCUA
    Credit Unions Online St. Paul Federal Credit Union

    Budgeting


    *below are some links I found after the Four Cornerstones Workshop I took through my work, which was also taught at Outfitters-Teaching on Financial

  • Setting-Up-Budget, weekly budget tracking online form
  • Bikes
    *gas saver

    Blue color Huffy 10 speed Bike (bought for $15 from a guy from Hoffman, MN) in May 23rd of 2007

    Cell Phones
    WARNING (can cause cancer!-Cell Phones Causes Radiation..., from Environment, Health and Safety Online)
    *info sent by a good friend (Pon from Indonesia on Jan 07')

    Cell Phone Cards
    -

  • Cell Phone Rates Compare, from debt.helpful-resources.com
  • Cell Phone Services
    -

  • Affordable Cell Phone Rates
  • -
  • Best Cell Phone Rates
  • -
  • Cell Phone Info, facts to know
  • -
  • Lets Talk, accessories
  • -
  • Sprint PCS

  • every sprint error users
    "picture access denied"
    sprint users
    -
  • Verizon Wireless: Free Phones
  • Accessories:
    Extended Life Lithium Ion Battery for SPH-A620 / VGA-1000, $25 from factorydirectcelluar
    Batteries4less $19.95
    cellphoneshop $12

    BEWARE of E-MAIL: -

  • Small Text Messaging: Registration
  • -
  • Small Text Messaging: Have an Account?

  • "go to account and click on delete"

    Classes

  • Financial Counseling: Helping Human Service Providers Help Clients

  • Four Cornerstones of Financial Literacy, provided by my local work place (11/3-11/10-11/17)

  • Am I Poor?, from Pat Mestern
    *a cool story that'll make you ponder about how one should be greatful!
  • Money Management
  • Prosperity 4 Kids, financial literacy for kids
  • Coupons

  • Cool Savings
  • Key Code, online coupons from outlet stores
  • Credit-Credit Cards

    Don't get caught in this trap of being on debt! I remember back in college (when I turned 18), I was "sucked" into the free prize when you sign-up for a new credit card account. I ended up getting over 5 different cards and used all of them to help pay for this "get rick quick" business "opportunity". I sure learned my lesson the hard way!

    Types:

  • Chase

  • Chase Travel Rewards
    Reward Center
    Love the Double

  • Finacle
  • FRCA Notice Settlement, Progressive Coporation Insurance
  • National Foundation for Credit Counseling, find a safe member agency near you?

  • *from the Four Cornerstones of Financial Literacy Class, Joel referred:
    -Lutheran Social Services
    1.888.577.2227
    Wilmar-Litchfield, MN
    1.800.450.4019

    Getting harassed by creditors? Know your rights!
    -Federal Trade Commission
    -Law Help Minnesota

    What about Credit Cards? From my personal experiences, I think having 1-2 isn't too bad. It actually helps build your credit, which will help you when it comes to applying for a loan (e.g. car, house, etc..) in the future. However, they are very, very, very bad if you don't pay in time or don't budget. For example, I had 5 credit cards while I was in college after applying as many as I can to get FREE stuff. Well, they hurted me for awhile as I used these credit cards to pay off a business investment (Equinox International-similar to nowadays Amway-long story!) opportunity that went bankrupt.

    Your name is listed in all these credit bureaus, which is why you get all that "junk" mail. To get your name off the list, you can contact the following. I personally called Equifax-Opt Out and left my name and address for them to mail me a 1 page sheet to sign to get my name off the list. I believe they say that you are off the list for a certain amount of time and you have to call them back again:

    -Get a Credit Card Request Form (from ftc.gov)

  • Equifax, credit (eg. credit cards) report #1.800.685.1111

  • Others- Opt-Out (take your name off credit reporting agencies:
    Experian 1.888.397.3742
    Equifax Options
    Trans Union Corporation 1.800.888.4213
    Marketing Opt Out

    1.888.5OPT-OUT (888.567.8688)

    *Tip: The above following credit bureaus is obligated to send your personal credit report to you at least once a year if you ask them.

    Debt?
    "The rich rule over the poor, and the borrower is servant to the lender-Proverbs 22:7

  • Debt Killer, christian debt consolidation
  • Debt Reduction, calculation on-line from debt-smart

  • From the Curse of Debt to Financial Freedom

    Learn how to come out of debt and come into financial freedom of prosperity www.SLM-Balkans.org
    *use with your own discretion!

    -Credit Report
    Student Loans:
    Co-Signing and Student References, from student platinum
    One Simple Loan
    Frequently Asked Questions Education Loans, from Chase Student Loans
    "Federal (Stafford) loans [Student Loan Consolidator] do not require a cosigner, but do require references. "
    Int'l Student Loan
    Signature Student Loans, from Sallie Mae
    "Even if you have an established credit history, you may be eligible for a lower interest rate if you apply with a cosigner."

    Electronics

    -VHS to CD
    Converting Your VHS Tapes to DVDs or CDs
    Converting Your VHS Tapes To Video CD or DVD, Part 1 By: Brien M. Posey
    "Now that youre familiar with the hardware requirements, lets review the necessary software. As I said earlier, youll need to be running the Windows XP operating system, but youll also need some software to do the video capturing and editing, as well as some software to burn your finished video onto a video CD or DVD.
    Windows XP actually comes with a program called Windows Movie Maker, shown in Figure C. While this program will work, it only covers the basics. I recommend springing for some commercial grade video capture and editing software. Ive personally had great luck with Sonys Studio DV. Its easy to use and is specifically designed to work with Sony camcorders."

    How to Transfer DV Camcorder Tapes Directly into DVD, from allformp3.com
    CNET How-To: Convert VHS to Ditigal
    "Most of us have videos of weddings, birthdays, and a plethora of other important personal events. But up until the last couple of years, we've had to capture them on analog tape (VHS, Beta, and so forth) that not only degrades with each playback, but with the passing of time, as well. Want to avoid the "every copy looks a little worse than the original" curse? There's only one solution: go digital."

    -Video Camcorder
    Panasonic Model No: PV-GS15 (purchased on 12/04)parts; warranty 1.800.211.7262 (Sears Panasonic MiniDV Digital Camcorder, 2-1/2 in. LCD Monitor, Digital Still Camera)

    Financial Investments


    " So, as i was reading an article about HYIPS on http://business-reviews.com/business_opportunities/hyip.php , i came across another link to another type of investissment. Strangely, i'm kind of curious about this one. Actually, i've always been a adventurer, someone who likes betting on life and new ventures (otherwise, i wouldn't have left my job in NY and come in Morris in the first place to try something new). I don't really know what to think of this http://www.mazu.com/offer.html"

    BONDS:
    -Treasury Direct
    -U.S. Savings Bonds

    COINS:
    $5 Indian Head
    -About Coin Collecting
    -Coin Shop
    -Lynn Coins
    -Coin Resource
    -US Mint
    catalog
    Sacajawea 2000 Gold Coins
    infoplease.com
    coin-collector-shop (rolls)
    Center Coin
    -1998 U.S. Mint Proof Set
    $34.50 on ebay
    lynncoins.com

    miscellanous sites: ubid.com

    COLLECTIBLES:
    -Sports:
    Becett
    Baseball
    -Kirby Puckett memorabilia

    Basketball
    -Michael Jordan 91' Upper Deck Baseball Card

    Football
    footballcardshop.com
    -1986 Steve Young Topps - Rookie 374 TB $12.50 Sold Out
    usfreeads.com

    Wrestling
    -1985
    ddtdigest.com
    Wrestling Trading Cards.com

    STOCKS:
    -American Funds
    -Bethany Gift, tips on investments
    -Edward Jones
    -Hartford Investor
    -Putnam Investments

    American United Life

    -Vanguard-Flagship

    -Diversify Options:
    World Gold

    TIPS:
    -Investing With Conscience Links to selected religious and general socially conscious mutual funds and indexes. , from beliefnet.com
    Timothy Plan (morningstar)

    WARNING
    "Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment."-1 Timothy 6:17

  • Don't Put All Your Eggs in One Basket!
  • Certificate of Deposits, from AARP
  • Retirement

  • -ERetirement, with American United Life

    Fundaising Ideas

    -Pine River, cheese, chocolates, and sausages from Wisconsin
    *I just ordered (9/18/05) bacon cheese dip and cajun sausages from a co-worker, who was selling this for her daughter's school
    -Schwans Fundraising
    ... support the local Morris Community Special Olympics Team (physically challenged)
    " click on �Start Shopping� (near the right side of the screen) and you will be asked to enter a campaign ID# 1002615, click the start shopping button on the welcome page and begin placing your order. You will be asked to provide the name of an Athlete/Coach/Volunteer you are supporting upon checking out. (This is above the area where you will enter your credit card information.) I will get Credit for each order received from you!! THE PRIZA CODE IS 11W"
    -Sweet Treets by Karen
    -UC Berkeley Fundraising Ideas
    -Your Big Adventure, from Readers Digest (magazines, cd's, etc..)
    *did this door to door with a teen I mentor (9/04)

  • World's Finest Chocolates

  • *did this growing-up, which was only $1
    ...more on foods

    Giving (e.g. tithes and offerings"
    "Better blessed to give..." (do it "cheefully"-2 Cor 9:7) -Blessings in All Forms [e.g. food, (Proverbs 22:9), needs (Deuteronomy 15:11, strength to the weak (Psalm 41:1), kindness (Proverby 19:17), overall (1 John 3:17) -Tithes and Offerings to Local Church/Missionary Support/etc (do it "secretly"-Matthew 6:1)...
    "Honor the LORD with your wealth, with the firstfruits of all your crops"-Proverbs 3:9
    Personal Testimony: I try to make sure when I get my pay check every other week, I automatically write a check of 10% of it to my local church (covers 2 weeks). Then the next week, I give part of another 5% to misisons, community service, or some other way to bless others. I have seen the fruits (don't expect this all the time!) of mine giving in return ("sow" & "reap"-2 Corinthians 9:6). For example, I remember moving to another house where my rent was going to quadruple ($45 to $200). I was invited to go on a mission trip (see Mexico Trip 01'), which I hesitantly joined "last minute" after receiving $200+ (Proverbs 11:24 "give..gains") just for helping a friend move. When I received this money, I wanted to use this to help cover my "new" next month's rent. I felt God gave this money for my first short-term mission trip, so I had to obey!

    Grants from the Government

  • Fed Money, free guide
  • Free Gov't Grants, from Matthew Lesko (t.v. guy)
  • Free Gov't Money
  • National Grants, ass seen on television
  • All About Grant Tutorials, from National Institute of Health
  • Grant Writing Tips
  • Haircut/Barber
    -Saving money while students learn, discounted haicuts by students in the Twin Cities
    Minnesota Cosmetology, 704 Marie Av. S. St. Paul 651.451.6447 $8 for 1/2-1 hour
    Minnesota School of Cosmetology-Globe College 7166 10th St. N. Oakdale $8 @9:30am
    Model College of Hair Designs coupons in St. Cloud
    Regency Beauty, St. Cloud, Blaine, Burnsville
    Scot Lewis Schools-Paul Mitchell, 1905 Suburban Ave. in St. Paul 1.888.242.6352 800.508.4804 $10 for 1+ hour with tips; @9am and evenings
    St. Paul College-Cosmetolgoy, 651.846.1329
    HAIRSTYLES
    Hairfinder, int'l hair directory
    Men Hairstyles, different pictures (beauty.about.com)

    HEALTH


    -health insurance
  • Blue Cross Minnesota
  • The New Health Savings Account, like a health insturance IRA
  • -dental hygiene

  • Delta Dental, an online provider

  • *my personal advice is to look for a good dentist around your area and then call them up. Ask them what are the best dental insurances that they take and then look it up on the internet (e.g. Dental Insurance-Get a Quote). Certain dentist takes certain insurance coverages.

    -medical checks
    -prescription medications/over the counter drugs

  • helping patients
  • Phrma
  • "Insurance most people can do without"

    Hotels/Motels/Lodging
    -Lodging.com twin cities rates
    -Orbitz, cheap motels
    -Twin Cities Search

    Housing

    Insurance Overall

    -Grinnel Mutual Reinsurance Company, all types!
    *just signed-up through my agent at Bremer for auto and home (paying only $300 for auto as of Nov 2006)
    -Insurance Resources
    -Extended Warranty: Auto, Home, Etc..

    -Accident

  • Colonial Life
  • -Employment:
    AFLAC
    Gardner & White

    -Life: (Whhole-Life)
    FAQ:
    *Wikipedia
    Which Life Insurance Is Best?, from Smart Money

    Agents/Services:

  • COBRA/MN, offered through my pt-job
  • MII Life Insurance, offered through my current employment
  • Prudential Life

  • *referred by my dad<

    Food
    -groceries

    Loans

  • Sallie Mae
  • Lost & Found Property

  • Stuff Bak, loss protection service by ID label stickers that can be ordered as many as you need
  • Moving?

  • Move Direct, helping organize your move 3 days prior at least
  • U Haul Moving Trucks
  • Quick? Money Makers

  • Secret Shoppers
  • Phones

  • Consumer Research, best buy
  • Uniden EXAI4248 2.4GHz Cordless Phone with Caller ID & Digital Answering, from office max
  • Phone Cards

  • Net 2 Phone Direct, as low as 5 cents worldwide
  • Phone Online

  • Voice Yahoo
  • Retirement
    "But the noble man makes noble plans, and by noble deeds he stands."-Isaiah 32:8

  • Ballpark Estimate, online calculation from American Savings Education Council (tools & resources
  • Planning for Retirement
  • Rewards

  • Reservations Rewards, from vistprint.com ($9/mo)
  • Savings Account
    "On the first day of every week, each one of you should set aside a sum of money in keeping with his income, saving it up, so that when I come no collections will have to be made."-1 Corinthians 16:2

    TIP: compare interest rates with each bank
    Minnesota-Bremer Bank, Anchor Band, etc...are some examples of "good" interest rates accoring to a recent newspaper article.

    Secret Shopper

  • Fine Baskets, from Sarah Sleeman (11/26/04)
  • Stuff!

  • Overstock, wholesale prices

  • *referred by a co-worker
  • Price Grabber
  • Taxes

  • Tax Accountants in Morris, MN

  • "Kurtz Accounting & Tax Services
    207 College Ave
    Morris, MN 56267
    (320) 589-1400

  • Minnesota Revenue

  • M1PR form for renters
    Certificate of Rent Paid 2006, use of landlords to be given to renters *see housing
  • IRS E-File, electronic tax filling
  • Federal Forms
    local offices (Minnesota)
  • Turbo Tax
  • Tax Talk, from Edward Jones
  • Unclaimed Property, from Minnestoa Commerce Dept. (money that hasn't been collected, which was featured on Fox Ch. 9 on 10/24/05)
  • U.S. Dept of Treasury
  • Pay Taxes by Credit Card
  • Travel


    -airfares
    Local:
    Rentz Agency Inc
    PO Box 596
    517 Atlantic Ave
    Morris, MN 56267
    ph: 320-589-2442

    State:
    -Agencies

  • J Travel & Cruise
    1991 Burns Ave
    St Paul, MN 55119 - 4906
    651.738.3865
    1.800.489.2749
    ....more on Dex Online
    Travel Agencies in Downtown St. Paul, from google.com
    Minnesota Travel Agencies, from uscity.net
    -Airports
  • Minneapolis-St. Paul International Airport

  • Wikipedia Facts!

    Nation:

  • Cheap Tickets
  • Hotwire
  • Priceline
  • Orbitz
  • Priceline
  • -airlines

  • Northwest Airlines
  • -bus
    Greyhound
    *RVSP as soon as you can (3 weeks ahead) to get a good deal!
    -road: automobile (personal road trip stories)

    -rental car

    -train
    Amtrak

    Utilities
    -Energy Savers: Tips on Saving Energy & Money at Home
    - 100 Water Saving Tips, list forwarded by Ledat "Robert" Thach, UMM Alumn, from Cali on 5/3/04!
    Video Games
    -Free PS2 (new small size)

    What about Credit Cards? From my personal experiences, I think having 1-2 isn't too bad. It actually helps build your credit, which will help you when it comes to applying for a loan (e.g. car, house, etc..) in the future. However, they are very, very, very bad if you don't pay in time or don't budget. For example, I had 5 credit cards while I was in college after applying as many as I can to get FREE stuff. Well, they hurted me for awhile as I used these credit cards to pay off a business investment (Equinox International-similar to nowadays Amway-long story!) opportunity that went bankrupt.

    Your name is listed in all these credit bureaus, which is why you get all that "junk" mail. To get your name off the list, you can contact the following. I personally called Equifax-Opt Out and left my name and address for them to mail me a 1 page sheet to sign to get my name off the list. I believe they say that you are off the list for a certain amount of time and you have to call them back again:

  • Equifax, credit (eg. credit cards) report #1.800.685.1111

  • Others- Opt-Out (take your name off credit reporting agencies:
    Experian 1.888.397.3742
    Equifax Options
    Trans Union Corporation 1.800.888.4213
    Marketing Opt Out

    1.888.5OPT-OUT (888.567.8688)

    *Tip: The above following credit bureaus is obligated to send your personal credit report to you at least once a year if you ask them.

    As you can see, most of my money goes to "materialistic things" that really don't benefit me long term-espeically eternity!

    "We enter this world naked and we leave this world naked"-Job

    more...

    How do I manage my money?

    -Teen Years

    This is a question that is an on-going learning experience! It�s been over 4 years since I graduated from college and I�m still learning, so I�ll share what I�ve learned so far. First, you need to know what you are trying to work for? How are you going to spend the hard work money for? I started saving sometime before high school as I wanted to attend college. I got my first �real� job at age 12/13 delivering newspapers (see work experience), which was an experience that build my responsibility skills. Before this, I had some �odd� jobs-babysitting, helping my dad with maintenance work in his rental properties, and the typical weekly allowances from your parents by doing household duties. Each job, there was a different motivation for working for that �pay check�. When I was younger, I collected baseball cards, which motivated me to do the �odd� jobs mentioned above. Before, during, and after high school-I saved money to help pay for college.

    -College Years

    I was blessed many ways to pay for college-especially after coming to that personal relationship with the �Provider�-Heavenly Father! Before college, I was all worried on how I would be able to attend college because my parents (with jealousy and envy of others) didn�t start a �college savings� that some of my peers had. I applied for scholarships, which I was turned down with several of them; however, I got accepted with several others! My savings and scholarships still didn�t cover all my tuition! In order to cover the remaining cost, I took on 2 jobs during the summer vacations between each year in college. Despite the �busy� summer vacations with these 2 jobs, it gave me a clearer perspective on what I wanted to do after college. After each summer experience, my career objective became more clear! However, I wanted God to give me guidance, so I stayed in Morris after graduation for the Summer Institute of Ministry Training School!

    -After College

    Well, praise God-He provided all my needs to get through college. Now what? I wanted to serve God, but I didn�t know how? I ended up finding a job in-town to get me through the summer only while attending this ministry school. God provided a job working at a group home, which He touched my heart here and I�m still here! When college students get all worried wondering what they�re going to do with their lives, I laughed inside and tell them that �you need to take each day at a time and trust Him. He�ll take you to places that you never thought of doing, it�s like what Jesus said�

    �Seek first the Kingdom and all these things will come�?

    What comes? Everything you need (family, friends, finances, food, clothing, etc�) to get through life to accomplish His will for you (if you are faithful to His Word and His will in your life!), like how He got you and me through college! College was a preparation time or season, so you can look back and remember that He�ll �never forsake you�! Yes, I do still have thoughts wondering about what I�m doing is in God�s will or is it mine? I still ponder about this after 4 � years since I graduated from college in 1999! What I try do is take each day at a time spending time with Him seeking (though prayer, reading the Bible, fellowship, etc�) how I can do His will everyday.

    Lord of Your Finances?

    When I accepted Jesus to be �Lord� of my life, I really didn�t fully understand it in the Spring of 1996. However, I�m beginning to learn more what it means everyday! Recently, it became more clear in my mind and heart that God wants to take care of us if we let Him do so! We need to totally depend on Him and give everything you have to Him-that means your money too! I was watching some sermon on t.v. about this, and God really convicted me about how I haven�t really made Him-Lord of my finances. For example, when you get a paycheck, do you automatically give that 10% to Him or you just give him the �left overs� of what you have remaining from spending all your money (e.g. bills, groceries, etc�).

    Greed?


    Reccomended Resources

    LOCAL

    Advisors

  • Allan Saugstad, of Thrivent Financial Lutheran

  • MORRIS, MN 56267-1396
    Phone: (320) 589-1731
    E-mail: allan.saugstad@thrivent.com
    Regional Financial Office: NORTH-CENTRL MINNESOTA REGIONAL

    Need?

  • Hope Avenue, giving to the needy families during hardship times

  • *heard this via local christian radio

    STATE

    Banks

  • Anchor Bank, in West St. Paul
  • NATION

    American Dream-Casting Crowns

    Articles

  • How Cheapest Family in America Saves Cash How the Cheapest Family in America Saves Cash, April 27 2007 (ABC News)

  • *found this today (Thursday, Aug 30th of 2007)
    "Annette and Steve Economides, and their five children, ages 10 to 21, have mastered the art of living on the cheap. Their mission: to maintain a reputation they've proudly earned or maybe saved the old-fashioned way. The Arizona clan says it's proud to be America's cheapest family.
    "We started out our marriage with so little money that we decided we were going to live within our means," said Annette Economides. "From day one, we were not going to accrue any kind of debt, of any kind."
    The Economides say careful planning allowed them to pay off their first house in just nine years, even though their family income averaged just $33,000 a year. Their second home is nearly paid off as well.
    Steve Economides, who calls himself the family's "cheap economizing officer," is a freelance graphic artist. He and his wife runs the family business, HomeEconomiser, a Web site and newsletter dedicated to helping people live within their means.
    The Economides spend $350 a month on food and cleaning products, feeding seven mouths for 30 days.
    Careful Planning
    How do they do it?
    Step one: Careful planning. The Economides make a grocery list and check it three times before heading to the store.
    "These women that are at the grocery store every day, three times a week, are spending gobs of money on food that they don't need to be spending," said Annette Economides....
    To receive a free sample issue of The HomeEconomiser Newsletter, go to www.HomeEconomiser.com.
    To receive a printed version of their sample issue send a self-addressed, stamped envelope to HomeEconomiser, Sample Issue, PO Box 12603, Scottsdale, AZ 85267 "

  • Wisdom of Silver & Gold interview with John B, R&B artist, by CBS news
  • Biblical Teaching

  • Bible Verses on Finances, from biblebb
  • What does the Bible say about managing your finances?, from gotquestions.org
  • Books

    The Money Answer Book, Dave Ramsey

    "This quick and simple, question and answer book is the perfect resource for equipping individuals with key information about everyday money matters. Questions and answers deal with 100+ of the most-asked questions from The Dave Ramsey Show-everything from budget planning to retirement planning or personal buying matters, to saving for college and charitable giving. This is Dave in his most popular format-ask a specific question, get a specific answer"

    Financial Advisers

  • ElderAdo Financial, from Colorado
  • Ministries

  • Christian Financial Ministries
  • Crown Ministries

  • Crown's Free Pub-balance sheets for almost every kind of financial background e-mailed to me. Financial Adviser for Morris-Howard Lake (google map)
  • El Shaddai
  • Thrivent Financial for Lutherans

  • *contact Allan Saugstad, who personally invited me around October 06'

    Shopping Online

  • My Power Mall

  • Television

  • Suze Ormen Show on MSNBC, get financial advice

  • Video

    Common Sense - Episode 1

    "Common Sense is a three episode series featuring the Greene family. It was produced for Lakewood Baptist Church in Gainesville, GA, and was meant to supplement Dr. Tom Smiley's message series about finances. The Greene family is a formerly wealthy family which finds themselves on the other end of the financial spectrum. Not only have they lost their wealth, but they continue to make bad financial decisions with the little money they have left. This series is an obvious spoof of the popular television show "Arrested Development." It was produced as an homage to "Arrested Development" and as a learning tool of what NOT to do with money."
    Money Don't Grow On Trees

    "Comedic example of foolish money handeling."
    *see Greedy

    GLOBAL

    Poverty

    Scams

    Ways to Make Money

  • Computers, scroll to "Make Money" in Global section of GoodnewsUMM
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