Tag Archives: planning

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!

The #Frugal Life: A Frugal Mentality

How Much is Enough

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Often, upon hearing the word frugal, inaccurate images float through the mind’s of many people.

Some imagine a penny-pinching Grinch that hoards every dollar as if clinging to life itself.

Others imagine a destitute fool who doesn’t recognize the so-called “finer things in life.”

My hope is that this blog post gives a better picture of the mind of the frugal individual. Set aside the inaccurate, and sometimes insulting images in your mind, and let’s discover the real reasons for developing the frugal mentality.

There is a scene in the movie The Great Gatsby where Gatsby is on the second floor of his bedroom, throwing pieces of clothing down to the woman he loves. His intention is to entice her with his riches, impress her with expensive clothing, and therefore hold her affections.

This is a far cry from the frugalist’s mindset and definitely far from the mind of God. I say this because of what is written in #Matthew 6:33

Seek the Kingdom of #God above all else, and live righteously, and he will give you everything you need. (NLTse)

God prompts us to seek His Will, His pleasure and His mission for our lives above all else. We are not to be trapped in the vicious cycle of working hard for material gain just to be foreced to work even harder to afford even more. If we concentrare on our relationship with God first, He will align our mind and goals with His and therefore free us from such dangerous materialism that inevitably lead to greed.

The Christian Frugalite (yes, I created a new word), following the Spirit’s direction, is free to see things as they really are. Free from the prison of materialism. The frugalist understands that the really important things are neither material nor monetary. Unlike the get-all-you-can attitude of most folks, the frugally minded actually see the ultra-lavish lifestyle as both sickening and greedy.

The movie scene I described earlier actually turned my stomach. Why? Because I think of all the desperate people in the world who could benefit from the generosity of the ultra-rich.

Can you imagine the problems that would be solved if every mega-rich celebrity or sports personality decided to sell their mansions and some of their many luxury vehicles, then donated the proceeds to feed the hungry or help rescue victims of human trafficking? What if all those millions were funneled into creating jobs for those in desperate situations instead of being used to buy expensive purses, over-priced shoes and jewelry?

That would be an amazing thing!

It is the Christ-centered, frugal mind that can do this world the most good because it is not trapped by the unproductive idea of gathering more and more stuff. The Frugalite is free to give to charities, churches, and the indigent on the street without feeling she has missed something.

She understands the importance of paying a homeless person to wash her car instead of going to the car wash. In fact, giving to those less fortunate gives the frugal person a great sense of accomplishment and satisfaction.

So the next time you’re tempted to think of a Frugalite as stingy or cheap, you may want to consider that she is not hoarding her pennies, she is proactively funneling them to where they do the most good.

I’d really love to hear:
*What frugal practices have you adopted?
*What frugal habits do you plan to employ in 2015?

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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#Batman’s True “Superpower”

Batman’s True SuperpowerThe Bat

To say I am a big #Batman fan would be an understatement. I love the flawed, dark character partly because I can relate to him. He’s by no means perfect and I love that. He wrestles with inner conflict, flirts @ the borders of what’s considered legal and he’s wanted by the law enforcement agencies he saves on a regular basis. Batman is called into action when the Justice League (Superfriends for those who can remember) is in a bind. He’s known for doing what other superheroes cannot.

I remember an episode where Superman, Wonderwoman, Flash, Green Lantern and the Martian were taking turns interrogating a criminal. They tried for hours on end to get vital information from him and got nowhere. Batman arrived, spoke to the criminal for a few seconds and walked up to Superman with the needed information. Flash asked Superman, “How’d he do that?” Superman replied, “You don’t wanna know”.

Yeah, I love the Batman.

It’s easy to think of all this character’s toys, his money, mansion and his fancy vehicles as his greatest attributes. However, you’d be wrong. Batman, aka The Dark Knight, has another name unknown to most- World’s Greatest Detective.

True Batman fans will remember a conversation our hero had with Commissioner Gordon on the roof of the police department. In this conversation Gordon gave Batman a riddle from a villain called The Riddler. Gordon thought out loud as he tried to figure it out, Batman walked calmly to the edge of the roof and prepared to disappear over the edge, having figured the answer in just a few seconds. Gordon asked, “Wait, you already know what it means?” Batman replied, “Yes, don’t you?” then vanished in true Batman style.Off the Edge

The intelligence of this cartoon character is one that is often overlooked in movies and Saturday morning episodes. But, we Christians would do well to keep it in mind. Think about it. Have you ever watched an episode where Batman fought the bad guys without first doing research on the criminals themselves, their tactics, weapons, known affiliations, etc? He’s often seen in front of his huge Batcave computer, typing in information or looking through his microscope at some chemical compound or another.

Once the research is done he is then ready to face the bad guys- equipped with toys, vehicles, gadgets and the intelligence necessary to use his tools in the right way. If Batman didn’t posses this tremendous intellect he would be completely ineffective in crime-fighting.

The discipline of seeking knowledge and wisdom before facing a problem is very Biblical advice. While I’m sure Batman isn’t a follower of Christ, he does help remind us of the importance of doing our research before diving into a problem, business venture or solving our financial woes.

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 We should seek God’s Wisdom before tackling any problem, includeing money problems. The Bible is filled with examples of financial mistakes by God’s people along with the consequences of those mistakes. We need to learn from them.

Remember the story of Solomon? In 1King 3:5 God came to him saying, “What do you want? Ask, and I will give it to you!”

Wwwwoooooowww! Can you imagine what you’d ask for?

(Honestly a Riddler green, 2014 Chevy Camero just flashed through my head.)

However…Solomon replied in verse nine, “Give me an understanding heart so that I can govern your people well and know the difference between right and wrong. For who by himself is able to govern this great people of yours?”

#Solomon recognized two things of massive importance; his own ignorance and God’s infinite #wisdom.

This should serve as an example to us. Are we humble enough to admit we need His guidance or are we so arrogant that we tell Him, “It’s OK, I got this”?

 Judging from the sense of urgency on the faces of #Black Friday shoppers last month, I’d say most of us fit in the arrogant category. But, let’s get back to Solomon.

Verse eleven tells us, “So God replied, “Because you have asked for wisdom in governing my people with justice and have not asked for a long life or wealth or the death of your enemies I will give you what you asked for! I will give you a wise and understanding heart such as no one else has had or ever will have!”

I could not imagine being Solomon at that moment, being granted such Wisdom-directly from God-that it would be unmatched by anyone in human history from that point on!!

The great thing is we can do the same thing! Yeah, you heard me, we can go to God and ask Him for the wisdom to tackle enemies such as greed, materialism, idolatry and worldly ambition.

Proverbs 24:13-14

My child, eat honey, for it is good, and the honeycomb is sweet to the taste. In the same way, wisdom is sweet to your soul. If you find it, you will have a bright future, and your hopes will not be cut short.

It doesn’t get any plainer than that. God tells us, in no uncertain terms, that wisdom yields a bright future. That’s more than enough reason to seek wisdom, in my opinion. 

So what are your financial hurdles? What’s holding you back from the financial freedom you dream about? How can you be a better steward of your God-given assets?

To find the answer to these questions, and others, we need to be Biblical Detectives. Seek God’s Financial Wisdom. Ask Him what your goals should be and which path to take towards achieving those goals.

One last thought from Proverbs 4:5&6

Get wisdom; develop good judgment. Don’t forget my words or turn away from them. Don’t turn your back on wisdom, for she will protect you. Love her, and she will guard you.

Sounds like good advice; besides, it worked for both Solomon and Batman.