Category Archives: Interviews

BBM Interviews Melissa Dougherty: This Energetic Christian, Wife, Mother and Avid Minister to Jehovah’s Witnesses Gives Her Perspective on Money Matters

I met Mrs. Melissa Dougherty through a Facebook group dedicated to ministering to #Jehovah’s Witnesses and #LDS members. I always appreciated her attitude of tenderness and love for those we brought the Gospel to. I look up to her knowledge of the #Bible and what Jehovah’s Witnesses believe/preach. Her boldness was always a motivator and both her humbleness and passion for teaching are to be admired. Because of these, and other, attributes I decided I had to interview her on the topic of Personal #Finance.

Let’s dive right in!

BBM: Is the Bible One of your Financial #Education sources? Why or Why Not?

Melissa: Yes, but not like I want it to be. Mainly because I’m not really the breadwinner of our home, so though I have some control over finances, ultimately it’s in my hubby’s hands.

BBM: Do you believe that Small Business contributes positively to the Economy?

Melissa: Yes I do. They’re the ones that are going to help the country not become so monopolized, and give to the people. Not the corporations.

BBM: How do you manage your finances? Examples: Financial Adviser, checkbook register, a combination of tools or something else)

Melissa: A lot of math! We don’t ever really know what we’ll make every month, so we budget out our money by keeping a planner of bills and what’s spent

BBM: At What age did you begin to form a “financial freedom” mindset?

Melissa: I felt very good about saving and spending money around age 18.

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BBM: Why do you believe financial wisdom is important?

Melissa: Financial management is the cause of much stress! Knowing how to manage our money wisely can contribute to a much more fulfilling life.

Thanks very much to this amazing, Christian teacher for her time and honesty. I hope to feature her again in the future.

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BBM Interviews Mary Johnson: A College Student’s Money Perspective

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Mary Johnson is the daughter of Lisa and Darren Johnson, a Godly couple my wife and I befriended while attending Calvary CHapel of Idaho Falls, ID. Both parents are hard-working, dedicated to God and very friendly to those around them. It is no surprise that their work ethic and perspective on money has been passed down to their daughter who exhibits discipline, kindness and a great head on her shoulders. I am very glad to have interviewed this young lady. Keep reading and you’ll see why.

BBM: Is the Bible one of your Financial Education sources? Why or why not?

Mary: Yes. If I use the Bible to guide other aspects of my life like avoiding sin or loving others, I can apply it to my finances. Dave Ramsey helped me see how much the Bible actually talks about money.

BBM: Do you believe that small business contributes positively to the economy? If yes, how so?

Mary: I’m not too educated on this topic, but yes I do. I think it allows average people to have a say regarding governments laws on business and have- even though it may be small- a piece of the market “pie”.

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BBM: How do you manage your finances? (Examples: Financial adviser, spreadsheets, envelope system, checkbook register, a combination of tools, or something else)

Mary: I currently use a form of the envelope system. At the beginning of the month, I estimate how much I’ll make and list all of my expenses, including “fun money”. The most important things are at the top: tithe, gas, and other bills. Every dollar gets accounted for, before I even spend a dollar. I then get out some categories in cash, like tithe and my fun” money. Some of the other expenses are only on my card, like my phone payment and gas. If I have any left over at the end of the month, it either goes towards savings or towards next months expenses. I’ve been told that it takes time to really perfect this system, but so far I’ve enjoyed it. It takes away a lot of my spending guilt when I know what I have in my wallet is what I can spend:)

BBM: At what age did you begin to form a “Financial Freedom mindset”?

Mary: I began this mindset literally 7 weeks ago, so age 18.

BBM: Why do you believe financial wisdom is important?

Mary: Debt has the power to steal away so much peace. It can ruin marriages, keep people stuck doing something they didn’t want to do in life, and above all, it can keep one from pursuing the Lords calling. If i know I have the power to avoid all that, I’m going to take advantage of it. Wouldn’t you?

BBM: How do you feel about credit cards as a young lady getting ready to enter college?

Mary: I know I could go my entire life without ever needing one. I know that sounds crazy, but if I plan on never needing loans for anything, I don’t need to “build my credit”. They can be OK if you have good self discipline and are maybe at a later stage in life than I’m currently positioned, but for college students, I recommend they stay far away from them.

BBM: Is “giving back” part of your future financial strategy? If yes, how so? If no, do you think it should be added to your plan?

Mary: Yes. Tithing has always been something I have done since I got my first paycheck. Besides tithing, I believe it is important to be open financially to give if an opportunity comes along. My dream is to be able to give back by going on a mission (or multiple) and though you’re going to serve others, you have to pay your way out there.

BBM: Have you read the book “Do Hard Things”? If yes, did you enjoy it? If no, would you read it if it was bought for you?

Mary: Yes! I love it.

BBM: Do you think society expects too little of adolescents & teens?

Mary: Definitely. Still being in the teens myself, I feel the drag of society pulling on me saying you don’t need to be responsible, you’re young. You can’t really do much anyway”. As a result, our young people feel that they can’t accomplish anything until later, so they usually don’t even try. What would our world be like if young people took a stand and started really doing the hard stuff while they were young?.

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That is a perfect question to pose at the ending of this interview. It is a question that both parents and their adolescent/teen children should ask themselves. Let’s stop acting as if our young ones cannot achieve extraordinary things. In fact, let’s start requiring it of them!!

BBM Interviews Mrs. Autumn Lee: A Busy Wife/Mother’s Financial Perspective!

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When I think of busy, organized, energetic folks who never stop moving and shaking and who also accomplish A LOT, I honestly think of this long-time friend, Christian, dancer, mother, photographer and all around sweet heart, Autumn Lee!

She’s the owner of Dash Photography, currently serving the Colorado and Texas areas.

With such a productive life and successful business, I thought it would be essential to dig into her mind concerning financial matters. This is truly someone we can all learn from. Here are her words of wisdom.

Autumn's photography talents :)

Autumn’s photography talents 🙂

BBM: Is the Bible one of your Financial Education sources? Why or why not?

Autumn: The Bible has not been one of my financial resources, other than when it talks about greed. I am trying to change that though because I know there is some good advice and some truth in there that will guide our family in the right direction.

BBM: Do you believe that small business contributes positively to the economy?

Autumn: I am a HUGE believer in small business, we need to quit putting money into big CEO pockets and support our local community. I think you feel better when you can see where your money is going and who it’s impacting and you can also see where your products etc are coming from.

BBM: How do you manage your finances? (Example: Financial Adviser, checkbook register, a combination of tools or a favorite tool you’d like to mention)

Autumn: We sit down once a month and plan our budget for the month and then every 2 weeks before payday we go over it again and make any changes. We try to use cash as much as possible and stick to the budget we have made. This has not only worked great for us getting out of debt, but it’s brought us closer in our marriage as well because we are communicating and we are finally on the same page.

BBM:At what age did you begin to form a “Financial Freedom” mindset?

Autumn: At some point in my 20s I started trying to be more wise with my money but it wasn’t until my 30s that I actually buckled down to do it.

BBM: Why do you believe Financial Wisdom is important?

Autumn: Being tied down to debt makes it hard to truly live the life God planned for you. There is always stress and unhappiness and depression. When you are debt free or working towards it, you see the light at the end of the tunnel, you feel okay splurging from time to time and you actually have the means to do things in life like travel or donate etc. It’s a good feeling.

Autumn is 100% correct. Being tied down by debt seriously cripples one’s ability to contrbute financially to great things God may have planned for your life. How many times have we heard others say (or have said ourselves) “I wish I could help…” or “One day I’ll be able to contribute…” or maybe “If I had a million dollars I’d donate it to…” My friend Mrs. Autumn Lee has an amazing future ahead of her because she has chosed to follow GOd’s prescribed path of financial stewardship.

Thanks a million for allowing us into your mind Autumn!!

If you’re searching for a great photographer you really should check ojt Autum’s web page:
dash-photography.net

You’ll be impressed, I assure you!

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BBM Interviews Audrey Ostoyic

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Today’s interviewee is a wonderful lady I met through a Google+ group, Christians In Business. Mrs. Audrey Ostoyic is an upbeat, positive, social media strategist, mother, wife and Christian business owner. Through following Audrey’s posts, blog and YouTube videos, I’ve come to greatly respect and admire her. Due to this respect and admiration I asked to interview her concerning her perspective on personal finance.

I hope you find her answers as inspiring and encouraging as I did.

BBM: Is the Bible one of your financial education sources? Why or why not?

Audrey: The Bible is my ONLY financial education source. I have listened to Dave Ramsey before and he gives amazing tips on the ins and outs of debt and debt collection agencies that are relevant for today and that you don’t find in the Bible, however the Bible is it for me. If you think about it, if you read your Bible and follow it then you don’t need to worry about your credit score, debt or debt collection agencies calling you. I’ve never owned a credit card in my life and never will. My husband on the other hand has 2 but pays them off every month. The only debt my husband and I have together is our home and we are working on getting that debt erased. My motto has always been, “If I don’t have the cash to buy it then I don’t need it and if I need it then God will supply it according to His Word.”

BBM: Do you believe that small businesses contribute positively to the economy? If yes, how so?

Audrey: Absolutely! I believe that Small Businesses, for the most part, really care about, not only their customers, but also their employees. Every Small Business that I have had the pleasure of training in Social Media is more like a family than the larger corporations I’ve worked with. I’ve also noticed that small businesses take care of their employees by paying them more and giving more/better benefits. In this way small businesses are keeping employees longer, they (employees) are more loyal and they become invested in the business as much as the owners.

BBM: How do you manage your finances? (Examples: Financial adviser, spreadsheets, envelope system, checkbook register, a combination of tools, or something else)

Audrey: Well, I’m very blessed (or some might say not very smart) to have my husband take care of the finances. I am not a spender at all and have always thought about each purchase as to whether it is a need or a want. If there is something I do want I simply ask my husband if there is enough money and if he says yes, I go buy it, if he says no then I just don’t get it. 😉

BBM: At what age did you begin to form a “financial freedom mindset”?

Audrey: About two years ago when I turned 39 yrs. old (I guess I just gave my age away lol) Took a long time but it’s not only the “financial freedom mindset” as much as it is the “God’s got this” mindset. No matter what financially may be going on if I abide in Him and He abides in me then there is nothing that can touch my finances.

BBM: Why do you believe financial wisdom is important?

Audrey: I believe Financial Wisdom is so important because it allows us to be in a position for The Lord to use us whenever he needs to. For me every single penny that comes into my home is The Lord’s. When the Holy Spirit speaks to me to give, no matter how much it is I will do it in obedience. My husband and I have gone through some of the worst financial storms since we got married in 2001 and through it all we HAD to rely 100% on the Lord and he never failed us.

Amen Audrey! Thanks so much for agreeing to be interviewed and I really appreciate your openess and honesty.

I highly encourage BBM readers to follow Audrey Ostoyic on Google+ as well as her blog page, http://www.livinlyfemarketing.com

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The Christian Walk: Taz Bright interviewed by Hannah C. Mathiot

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This article is part of a series of interviews with ordinary Christians and their personal walks with God. Recently, I had the pleasure and privilege of talking to Eustace Bright, known to his friends as "Taz." Taz is the owner of Bright Balance Ministries, and was raised in Huston Texas.

"I'm nothing special," Says Taz Bright, "my story is not unique. I'm a flawed, messed up, vengeful, violent man without Christ. But, I serve One who IS special, unique, patient slow to anger, quick to forgive and Perfect. In a world where both political stances and personal beliefs shift with the change of public opinion, it's good to lean on something that hasn't budged since before the beginning of time-His Word."

Taz shares with us his story of finding Christ at a young age, his struggles as the victim of identity theft, and how God taught him through these struggles.

"I heard the gospel all my life, growing up in Church, listening to only Christian music in my Christian home, raised by Christian parents. I attended a private Christian school up until 7th grade. I first felt The Spirit tugging at me when I was 8 years old but I kept pushing Him away."

"I kept attending Church and Sunday school & learned a Bible verse for every letter in the alphabet. I even taught Bible study as I got into high school. But it wasn't until I was a junior in high school at 16 years old that I actually made the decision to give my entire life to Christ."

"Now I'm in financial ministry as the owner of Bright Balance Ministries. I've been blessed with a talent for managing money and the gift of teaching. I firmly believe that it's because of these blessings God has charged me with the responsibility to help Christians manage, spend, invest and spend widely."

1 Peter 4:10-11 confirms that Christians should use their gifts to encourage and teach other Christians. "As each has received a gift, use it to serve one another, as good stewards of God's varied grace: whoever speaks, as one who speaks oracles of God; whoever serves, as one who serves by the strength that God supplies-in order that in everything God may be glorified through Jesus Christ. To him belong glory and dominion forever and ever. Amen."(ESV)

Like all of us, Taz has his own personal battles with sin, but with the power of the Holy Spirit, he has learned to fight sin and live within God's will for his life in humility.

"I gave my life to Christ twenty-two years ago in the summer of 2011. While I haven't been perfect, by any means, I can say I've grown a lot. Attending Calvary Chapel in Idaho Falls (and now also in Baytown, TX) has exposed me to exegesis, deep Bible study & how important they both are. Growing closer to God has helped free me from a violent temper, helped me gain purpose and direction and also helped me appreciate His patience with me. He's used two back injuries to humble me and, despite the pain, I'm actually thankful for those injuries because of what I've learned because of them."

Taz Bright gives us a stunning testimony of how God has used various trials in his life to refine him and teach him patience and forgiveness.

"For six years, an identity thief (former employee) pretended to be me by getting two jobs in my name, selling my social security number to eight people among other things. As a result, I was evicted from my home, my business failed, my car was repossessed, I was arrested six times for crimes I never committed, I moved back into my parents' house (worst part by the way) & I had to start over financially. This all occurred while trying to be a good example to my son. Through this struggle I learned patience, forgiveness and saw a practical, daily example of God's provision- a valuable lesson for sure. Now, I'm a business owner and financial minister."

The bible does not promise that the Christian walk is going to be easy. In fact, it prepares us for exactly to opposite. The Christian life promises suffering (Hebrews 2:10, 1 Peter 1:6-7).

Taz Bright gives the following advice for new Christians. "Accept the fact that you're going to hit road blocks. Even Christ faced opposition, ridicule, and 'advice' from well-meaning friends & family. Follow The Spirit's lead -not theirs. There will be times when you have to go into a private room, lock the door & take a deep breath. Allow those moments to happen and remember those who have gone through it before: Martin Luther King Jr, Billy Graham, Christ! You're in good company."

Taz also encourages other Christians to get involved in their local churches and serve their brothers and sisters in Christ. "I serve as a greeter at my small Church in Baytown & considering joining the worship team also. Church involvement is very important. The Bible tells us to "…not forsake the assembling of yourselves together…"(Hebrews 10:25) We need encouragement, prayers, deep Bible study- a support system- in this troubled world."

The Bible indeed calls Christians to stay deeply rooted in the Church. Hebrews 10:24-25 says: "And let us consider how to stir up one another to love and good works, not neglecting to meet together, as is the habit of some, but encouraging one another, and all the more as you see the Day drawing near" (ESV).

"I'm currently reading through a Bible Reading plan using my olivetree.com study app. The reading plan is about Peace, which happens to be very important considering my present trials. I'm experiencing the deep, constant peace of God even while dealing with things that would have normally sent me into a Hulk-like rage (Actually Hulk may have beaten me in the self-control department)."

Taz has also found great encouragement in a book called Interpreting the New Testament Text: Introduction to the Art and Science of Exegesis. "It will introduce you to the skill of interpreting God's Word so that you get what HE meant you to understand, not some private interpretation. Knowing God's Word is essential to navigating life's rough seas."

Brothers and Sisters in Christ, we can only live according to his will by the constant grace, mercy, and love that God our Father gives us through Jesus Christ his son. Please pray continually for Eustace Bright and his family, along with the other Christians in your life and in your local Church. We all need prayer and encouragement constantly.

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