Tag Archives: budget

The Frugal Life: #Frugalite Shopping

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Luke 14: 28-33 But don’t begin until you count the cost. For who would begin construction of a building without first calculating the cost to see if there is enough money to finish it? Otherwise, you might complete only the foundation before running out of money, and then everyone would laugh at you.They would say, ‘There’s the person who started that building and couldn’t afford to finish it! ’ “Or what king would go to war against another king without first sitting down with his counselors to discuss whether his army of 10,000 could defeat the 20,000 soldiers marching against him? And if he can’t, he will send a delegation to discuss terms of peace while the enemy is still far away. So you cannot become my disciple without giving up everything you own.

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If you are determined to live a frugal lifestyle it is essential that you learn the art of purchasing items at the lowest possible prices.

Doing so allows you to keep a higher percentage of your #paycheck; therefore, allowing more for paying off debt, saving, and investing. This is what allows you to build a strong financial situation. So how do you accomplish frugal spending?

First, pawn shops. These stores are very underrated. I frequently shop at a pawn shop in my neighborhood. Since I love buying movies I am thrilled that my favorite pawn shop sells DVDs & blu-rays for less than $5. I can buy three movies for the price of one brand new movie at popular store chains.

The movies haven’t been shortened, altered, or otherwise made any less entertaining just because they are priced lower than their brand-new counterparts. Also, I love knowing I am getting the most bang for my hard-earned bucks.

Second, #thrift stores. Along with pawn shops, these stores are a great resource for clothing, furniture, electronics, and power tools. There is a thrift store in my neighborhood where I can buy a jacket, tie, slacks, and dress shirt for less than $5. Yes, all those items for less than $5!

You may be thinking these items may be off brand, unimpressive rags that I would not wear in public. You would be wrong. I’m talking about brands like Perry Ellis, Liz Claiborne, and many others. Of course, off brands are also available. However, if you are dedicated to living frugally, the brand’s name should not matter at all.

Thrift: prudent use of money and goods: the sensible and cautious management of money and goods in order to waste as little as possible and obtain maximum value.

Thrifty Shopping

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Imagine that you have $50 set aside for clothes. You can go to a famous chain store and purchase one, maybe two outfits. Conversely, you can go to a thrift store and spend $10 for similar items. That is the art of Frugal Shopping! And of course you cannot get any more frugal than free. I like to browse the free section of Craigslist every now and then. Over the years I have acquired things like glass shelves, vases, a mattress, indoor plants, clothes, shoes, couches, a TV, and loads of other items at zero cost. It would be difficult to add up the monetary savings I have achieved over the years. Also, the barter section of craigslist is very helpful. Why not exchange something you are willing to get rid of for something you want or need? Bartering allows you to acquire items without taking away from your bank account to do so.

If you want to keep more of your paycheck and become a frugal shopper, the first step is to search for thrift stores and pawn shops in your area; and pay them a visit.

Happy, Frugalite shopping!

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The Frugal Life: Give #Plasma, Save #Lives And Get Out Of #Debt

When someone asks how they are supposed to get  out of debt I give them several helpful tips including one that I think is underrated and often forgotten…Give Blood/Plasma.

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I live about eight miles from a facility that pays around $25 every time I donate blood. Following the rules and regulations I can give blood twice a week without posing any danger to myself. (Side Note: It is very important not to give blood too often because you can do serious damage to your body and even die from it so please follow the guidelines of your blood donation center.)

Giving plasma twice a week would yield $50 to put toward getting out of debt or increasing assets. A maxed-out credit card with a $500 limit (+ interest) would be paid off in just over 9 weeks. A $50 weekly payment towards the principal of a car note would help pay off the vehicle sooner and help reduce total #interest payments. Paying off such debts frees you from #slavery to creditors. Proverbs 22:7 is worth reading concerning this concept.

Thinking of investing in stocks? Deposit that $50 into a brokerage account, like Scottrade.com each week until you’ve accumulated the total amount you wish to invest. You’ve just created an #asset without going into debt to do so.

Not only does giving plasma or blood help you support a frugal lifestyle but you literally give the gift of life.

We are all familiar with the economic impact of a bread-winner dying. What if you gave blood, saved a bread-winner and therefore kept a family out of debt and above the poverty line?

Proverbs 19:17 states If you help the poor, you are lending to the Lord —and he will repay you! (NLT)

God Himself has told us we’ll be repaid for helping those who need assistance. Does this mean you’ll be rich as a result of being generous? No, but it does mean God’s paying attention to your every action and will reward you with friendships, great health, His guidance and protection and maybe money as well. His repayment comes in many shapes and sizes, it’s not limited to monetary wealth.

Imagine a child dying from loss of blood. Not only is this emotionally traumatic, it affects work performance which then affects one’s wallet.

Giving blood or plasma not only saves physical lives but boosts the global economy as well. I challenge you to search for the blood donation centers near you. Ask if they offer payment for donations. Give blood/plasma, save lives & get out of debt!

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What about you, BBM reader? Have you ever given blood/plasma as a way to help others and/or increase your income? If not, would you consider it now that you’ve read this post? I’d love to hear your stories.

Rethinking Higher Education, Part Two: Internship vs University

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In part one of this series I spoke of the high price tag of higher education and proposed the idea that traditional college degrees were not neccessary for financial success. With that belief in mind I will spend the next few blogs explaining the proven alternatives to traditional colleges and universities.

The first alternative is an old idea, the internship.

Many years ago if a young man wanted to learn to work with metal he would approach the local blacksmith and ask to learn from the more experienced man. If the instructor agreed the young man would work for free in exchange for real life, hands on experience and education. The young student would learn how to run the blacksmith business including what to charge customers, how to accept payment, how to deal with inevitable customer conflict, working the forge, and personal responsibility, among other things.

An obvious advantage of internships is there is zero cost to the student and the student’s family. Picture a small village in colonial America with familes of meager means. Keeping food on the table is already a challenge. Asking these families to find money for the educatiin of their children would be like expecting to slap a rock with a stick and get water from it. It’s just not going to happen. But these families were not without hope. If their young son was determined, hard-working and future minded, he’d receive a valuable, FREE internship, aka apprenticeship, which would eventually help him become an entrepruener!

Nobody spends a dime, no debt is created, a skill is learned and the Blacksmith/teacher has help in his shop for a certain amount of time. That’s a win, win, win situation.

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“But Taz, aren’t internships a thing of the past?” Great question.

I searched online for “Internships in Houston, TX” and found there are a lot of both paid and unpaid internships out there of varying types. One company is in search of a “Marketing Intern to work 10-15 hours a week” offering “reimbursment for gas used at a per mile basis, free lunch during any events, experience meeting professionals at networking events…” along with several other perks. Another company offered full-time employment with great benefits after only three months as an unpaid intern. These internships offer something traditional colleges lack- practical, usable experience in the field.

Internships are alive and well and they can help you gain valuable knowledge without taking on the burden of debt. I love the concept of internships because they offer an alternative to spending a large amount of money in exchange for an education. This concept gives hope to those who are less fortunate in the area of finances. Recently I learned of a doctor who is still paying off his student loans THIRTY YEARS after earning his degree.

When I look at both the American and global economy I see there is a need to question the status quo. The American dream is harder to acheive, upper middle class citizens have lost their houses due to the dishonest practices of the banking industry, the middle class is shrinking, etc. etc.

Higher education is no different. We have to question the status quo. What do we want for our futures, financial freedom or a life of servitude to creditors like the doctor I mentioned? Obviously we want financial freedom. Then, it’s time for us to question tradition, look for alternatives like internships, place them on a scale and make an honest evaluation of what is best for our financial futures.

So, what’s your opinion on including an internship in your Higher Education plan?

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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What’s Your “#Business Calling”?

I was browsing a Google+ community called “Christians in Business” earlier today. I came across a new post where one member, Carey Green, ask a question directly to another member. Here is Carey’s question and the resulting open, honest reply.

 Q: What’s the mission the LORD has given you as it pertains to business?

 A: I love the question and it’s one that, as Christians in Business, we should all be asking ourselves.  First, all of us have the same mission. We should all be spending as much time spreading God’s word and encouraging others, as we spend promoting our profiles and our businesses.

Am I doing this in my own life?  The honest answer is, No.”  Like many Christians In Business, I am a good person, I don’t steal or commit crimes and I genuinely want everyone to be successful.  Where I struggle is how to use my business and my talents to increase God’s Kingdom.  It is something that I pray about often. I sometimes ask myself, “Is my life, being led by God, or by my own ego?”  I do know that I want to help other Christians in Business to succeed.  My guess is that God also wants more from me.  I am praying and hoping that 2014 will bring more opportunities for me to open the eyes of others who need it. I greatly appreciate being asked this question today… thank you Carey Green 

 Wow! There’s today’s heaping dose of brutal honesty.

 Both the question and its answer are important, especially in today’s world. Christian business owners have a responsibility to spread the Word, period. Too often we consider our business to be separate from the Great Commission, it’s not. Here’s why I say this without apology.

 First, the Great Commission itself says so in Matthew 28:18-20

Jesus came and told his disciples, “I have been given all authority in heaven and on earth. Therefore, go and make disciples of all the nations, baptizing them in the name of the Father and the Son and the Holy Spirit. Teach these new disciples to obey all the commands I have given you. And be sure of this: I am with you always, even to the end of the age.”

Did you notice there’s no clause allowing business owners to opt out? We’ve been given a command, not an option, by the Creator wrapped in human flesh- MAKE DISCIPLES, period.

Having a business doesn’t allow you to pass on this command. In fact your business should be seen as a tool for spreading His Word, not a hindrance to doing so.

Think about this: Do you think God would put you in business if that business prevents you from spreading His Word?

How can you spread the Word while going about the busy day of a business owner? Here’s an easy suggestion- play Christian music in your place of business. Your customers will notice, and may ask questions. When they ask you have the opportunity to answer, share your testimony or share something amazing God’s done in your life.

(insert referee with both hands raised straight up here)

Some may threaten to “do business elsewhere if you keep playing that Jesus music”. Of course this is a legitimate concern for any Christian business owner. However, we are supposed to be trusting in Him, not our potential customers and the dollars they bring with them. A creative way to handle this threat is to reply with something like, “Tell ya what. My Jesus music isn’t going to stop, but, I’ll give you 5% off any time you choose to do business with me. And you can feel free to question me about my faith any time you want. Deal?”

If they accept, you will have accomplished two things. First, you’ve kept a customer which is good for business. Second, and more important, you’ve left the door open for discussions about your relationship with Christ. Hello!! What could be better?!

I’m not saying the only mission of business owners is to tell the message of Christ. We all need to make money, pay bills and take care of our families. These are also Christian responsibilities. But, we stray when we fail to remain focused on His mission for us and, instead, think of our own selfish, money-motivated, status-motivated vision.

In the honest answer to the original question, our business owner admitted he struggles with “how to use my business and my talents to increase God’s Kingdom”. What really strikes me as important is that he also said, “It is something I pray about often”.

 

(may we all develope the same habit)

James 5:16

Confess your sins to each other and pray for each other so that you may be healed. The earnest prayer of a righteous person has great power and produces wonderful results.

1 Thessalonians 5:17- Never stop praying.

These are two of my favorite verses. They remind me that as a Godly business owner my prayers are powerful and will cause Godly, positive things to happen.

Q: Confused about how to use your business?

A: You, business owner, need go remain focused on your relationship with Christ. This will result in a righteous life which yields prayers that cause powerful things to happen in your life and through your business. 

If I were to answer Carey’s question, I’d have to say that my Business Calling is to:

1. Help God’s People Use God’s Money at God’s Direction

&

2. Help business owners Grow and Protect their businesses.

While…

3. Spreading the Word of God.

Many thanks to Carey Green for posting this question. Feel free to check out his podcasts at http://www.podcastfasttrack.com

Biblical Money Smarts- Part One: #Overspending

I have worked and attended school/Church with many people who seem to never have extra cash. I have been one of those people a few times in my past and sometimes money is still a struggle now that I am re-married, in ministry, a business owner and full time college student. I hear those without money talk about how they cannot afford a vacation, health insurance or that new shiny car. However, most of these folks have made one very dangerous and basic mistake- they spend too much. I say that because I see the stuff they DO spend money on.

Doesn’t it seem logical that every dollar you spend is a dollar you no longer have? Yeah…I know, “Taz, that’s pretty much common sense.” Well…it makes sense but, unfortunately, it’s no longer that common.

For the purpose of this blog my definition of Overspending is a simple one- Spending more money than you need to.
Here’s what I mean.
Let’s say you leave home in the morning and you go through the McDonald’s drive thru, you spend $7 for breakfast, then on your lunch break you spend $10 for take-out at a local restaurant. On the way home you decide that the American-style Chinese food Timmy Chan’s is irresistible so you get an 8 dollar plate to go. That’s a total of $25 in just one day! I know most people don’t buy all three meals in a day so let’s just take the seven dollar breakfast for example. That’s still $35 a week- a total of $1820 a year! That’s a good start to a vacation in New Orleans (feel free to come get me and my wife when you’re headed that way).  For those who do buy all three meals per day, you’re spending about $6,500 a year. Wow! Imagine if you had that in your bank account instead of spread among all those local eateries. Imagine the bills you could pay off, vacations you could take or the band camps for which you could pay 100% cash so you could send your talented child to. (you know you want that loud saxophone of his gone for a week…admit it)

Movies can be another pitfall for the many who are struggling with saving cash. These days it’s about $9.25 for a movie and a bit more if it’s 3D. There are folks I know who go see a movie every week. (They insist on seeing it the day it hits theaters…..gotta love crazy people lol) I am not suggesting you stop seeing movies all together but once a week at $9.25 a pop is $481 a year. You could get a Netflix membership, pay $7.99 a month ($95.88/yr) and watch two to three movies a week instead. More bang for your buck seems to make the most sense to me. Compare going to the theater to a Netflix membership and that’s a difference of $385.12 each year. This does not including the cost of fuel it takes to get to the theater. (You have been paying attention to rising fuel prices, right?)

If you are the type of person described here who spends money on breakfast each day, goes to the movies once a week & you are tired of not having money, imagine the result if you decide to eat breakfast at home,  and replace the movie going with the suggested Netflix plan. (No, Netflix is not paying me) You’d have an extra (drum roll please) $1,945.12 every year! That’s money IN YOUR POCKET….ok, in the bank. If you’re setting aside this cash in a savings account for the next ten years, that’s $19,451.20 before interest is added!!
It’s amazing what some patience and Godly discipline can do, huh?

Here’s an important tip to help reduce over spending. It’s a simple, doable, workable one.  Shop at thrift stores! aka, Resale Shops!

“Whooooaaawww!?!? Taz, you want me to buy used clothing? Only poor people do that. I’m not a poor person!”

You may not be poor,… now,…. but in today’s economy we cannot afford to be picky or to think too highly of ourselves. Jesus lived as a “poor person” having no home and was buried in a borrowed tomb. If He could do without the “finer things in life”, you can too. And shopping at a thrift store doesn’t mean you can’t find designer clothing. It does mean you pay less for them (ssshhhhh…nobody has to know)

Shopping at a resale shop means you get the same clothes you’d buy at Macy’s for a far more affordable price. That’s more money in YOUR pocket. Using your money at a resale shop will yield nice clothing and you’ll leave there with five outfits for the same price- or less- than one outfit at Macy’s. Now if you feel the need to unnecessarily spread your hard-earned cash around, I have a Houston, TX address to give you. I assure you I….aaahhh I mean, someone….will put it to good use.

Here’s a Bible verse for ya: Proverbs 6:6–8 says “Go to the ant, O sluggard, observe her ways and be wise, which, having no chief, officer or ruler, prepares her food in the summer and gathers her provision in the harvest.”

What does this verse have to do with spending money? God is telling us to be wise, work hard and prepare for the future. Can you do that if you are spending your money unwisely? If you put nothing aside for a rainy day- as the ant- will you be prepared for disaster or even small emergencies? If you buy that expensive shirt, expensive rims or spend a ton of cash on fast food, will you have any left over to repair a suddenly nonoperational transmission of your beloved BMW? For most of us the answer is, “No at all!”

Also, consider the story of Joseph in Genesis 41:14 thru 57

Joseph interpreted the king’s dream and advised the king to save grain in the plentiful years so that his kingdom would be ready for seven years of famine. When famine hit all the lands Egypt was still doing well because of what they stored up. They then sold their excess grain to surrounding lands which had no crop to speak of.

They profited during a depression, imagine that.

Are you ready for a major depression to hit? Considering the current economy it’s not a far stretch to imagine it happening in the near future.

One last scripture to chew on: Proverbs 21:5

“The plans of the diligent lead surely to plenty, but those of everyone who is hasty, surely to poverty.”

Yes, you have to make a definite plan in order to enjoy a time of plenty. (I remind you of the aforementioned story of Joseph)

Obviously God cares a great deal that we are wise with the allocation of our funds. He wants to see us prosper. I’m not saying you are destined to great riches, not by any means. I am saying that we are responsible for acting wisely with the money our Father has blessed us with.

Interested in learning more about spending, saving, investing and getting out of debt? Here are some books I highly recommend.

1.     Digging Out of The Money Pit: 30 Biblical Solutions to Your Financial Headaches

2.     Money Came by the House the Other Day: A Guide to Christian Financial Planning And Stories of Stewardship

3.     The Millionaire Mind

4.     The Millionaire Next Door

5. Where Did My Money Go?: An Honest Look At Perpetual Debt and The Fiscal  Slavery Of The American Family from A Christian perspective

 &

5. Whatever Happened to The American Dream?

Recap: Rethink how, where and how often you spend money. Research your spending habits, decide what you can live without. Consider this verse: Proverbs 22:7

“The rich rules over the poor, and the borrower is the slave of the lender.”

Which do you want to be, a victorious ruler or a slave to your creditors?

PS: You may be thinking “So, Taz what do I do with this money once I have decided to save more and spend less?” or you might be wondering, “I have some money set aside already. What is the Biblically correct thing to do with it?”

The options are almost endless for sure. Stay tuned for part 2 of this series- Creating Assets. It’s gonna be very interesting topic- to say the least.

God Bless and Happy Saving

Correct, It’s Not Your Money

YOUR bank account, MY investments, OUR money; humans are wired to use these posessive words, it’s how God made us and how human language is constructed. However, it sometimes ca

uses us to have a scewed perspective of reality. These things we….possess…..in this world are really not ours. They are infact, on loan, to us. 

I remember watching an episode of The Cosby Show several years ago. Vanessa, one of the older Huxtable daughters, had bragged to her friends saying her family was rich. In a conversation with her parents she explained that an original painting hanging on the wall of the Huxtable house had led her friends and her to this conclusion. Heathcliff Huxtable then explained that Vanessa, infact, was not rich.

His explaination went something like this: “Your mother and I have money. Your mother and I work hard to pay the bills. Your mother and I are rich. You, have nothing!”

This is the perspective each Christian should have in all things. Your children, cars, money, talents and even your physical body IS NOT YOURS. 

Matthew 5:5 is one of my favorite verses. Many have rightly quoted it to show why humility is a desired, Christ-like attribute. Personaly, I like it for a different reason. It states, “God blesses those who are humble, for they will inherit the earth”. The word I’ll concentrate on here is inherit. Ever noticed that you can only inherit something from the OWNER? Only the one who truly owns something can give it away to someone else. The first part of the verse points us to the true owner of everything, the One who will allow this inheritance-God!

With this type of perspective I strongly believe we could face both adversity and blessings in a more mature and productive manner. Consider Job. He lost land, cattle, children and houses. He was told by his wife to “..curse God and die”, yet his perspective helped him face a desperate situation in the most Godly manner possible. In Job 1:21 this man of God replied, “…The Lord gave me what I had, and the Lord has taken it away. Praise the name of the Lord”.

WOW! That’s Godly perspective at its finest in my opinion.

What we see here is a man who can face such a loss because he realizes one fact: I cannot lose that which I realize was never mine to begin with.

May we all grow into such a perspective as good ‘ol Job!!