Tag Archives: interview

BBM Interviews Audrey Ostoyic

tmp_images-2120687457

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

tmp_index(3)2132587181

Advertisements

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

tmp_index(4)2069974996

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.

tmp_index(3)-1094700098

Teen Business Owners- Part One: While Growing Up

When I was younger I remember teachers asking me, “What do you want to be when you grow up?” It was a legitimate question. They were trying to get me to think ahead, get into the practice of thinking about my #Financial Future. This is an important aspect of growing into a well-rounded, contributing adult.

What bothered me is they never phrased the question in a way that impressed upon me that I didn’t have to “grow up” in order to be something. They could have asked, “What do you want to be right now?”, and used my answer to show me how I can create a career for myself right away.
tmp_images(3)1581801507

Many of us are familiar with Proverbs 22:6 which says, “Train up a child in the way he should go; even when he is old he will not depart from it”. Obviously we see this verse as telling us we need to train our child in the Way of the Bible, and that is 100% accurate. Reading the five verses before it shows that this passage is mainly concerned with being sure the child is trained in the ways of strong #spiritual character.

But, why didn’t my teachers and other adults in my life think to themselves to use lessons in business ownership as a way to mold me in both future career concerns as well as spiritual matters? If they had asked me, “What business would you start right now if you could?” I would have told them “a dance squad” or “running errands for people in the neighborhood”. This would have been their opportunity to explain to me:
1. How I’d go about finding other teens to join my business
2. How to attain clients
3. The importance of being honest in my business dealings
4. How to manage an income, etc.

Let’s say a young lady of ten years old wants to start a lemonade stand. Her parents can sit with her to decide a work schedule, price, location of the stand and also what to do with the money earned.
The average American ten year old is well-practiced at asking, “Mom can you buy me that toy?” In this parent’s mind, children of this age should also know intimately how long it takes to earn the money for said toy. If she owned a lemonade stand she’d look back at her many hours sitting on the sideaalk waiting for customers, the energy it took to make pitcher after pitcher of lemonade after mom and dad’s friends bought it all. She’d remember the thankful mailman who bought two cups, the draining effect of the weather on her energy and of course the thrill of counting her money at the end of the day. And, of course, she would appreciate her earnings more because she sacrificed her Saturday cartoons in order to work her business. Of course, let’s not forget, this young lady would learn how much of her profits should be put back into the business in order to cover the expenses for the next two weeks, next month, etc.

Our children should be educated in these things when they’re young so that “when they are old they will not depart from” them. Imagine how much better off the American #economy would be today if our citizens were better trained in #entrepreneurship (and all it entails) during their elementary, junior high and high school years.

If a fifth grader started a business and continued his entrepreneurship through his high school graduation he would have seven years of business experience which his peers lack. He would already have a resume whereas his college-bound peers would only be starting their real-life education at the local burger joint.

Imagine where you would be right now if you’d had seven years of business ownership experience right out the gate after your high school graduation! That is a BIG step up ahead of the competition.

Do you not want that for your children?

Adults, I think it is time to stop asking our precious young ones what they want to be WHEN they grow up.

Let’s ask them, “What do you want to be WHILE growing up?”