Ordering Finances Wisely Part 9: Planning to Give, Save, & Spend

Originally posted in 2013. Read the series so far.

On “Paying Yourself First”

Perhaps the reader has heard the oft-repeated maxim, “Pay yourself first.” “Pay yourself first” simply means to save first—sometimes at a recommended rate of 10%—and use the remainder for spending. Forbes calls “pay yourself first” “the most important rule for a comfortable retirement.” Investopedia notes that “some financial professionals even go so far as to call ‘pay yourself first’ the golden rule of personal finance.”

The Word of God disabuses this maxim. Indeed we are to give to the Lord first as taught in verses such as:

Discussion

The Importance of Free Will and Purposeful Work for Children

I enjoy reading quotes about a variety of topics. Good quotes are condensed truth delivered in a fashion that is as amusing as it is thought-provoking. But sometimes I read a quote, which at first sounds so wise, witty, or practical, and then after a few seconds I’m like, “What?!”

I recently read a quote credited to Sir Richard Charles Nicholas Branson, a successful businessman, investor and philanthropist, and founder of the Virgin Group, which, by the way, controls more than 400 companies. I’m all for listening to what hard-working, successful people have to say.

You don’t learn to walk by following rules. You learn by doing, and by falling over.

Discussion

On an average, are you comfortable with how much time you spend at home?

Will Rogers said, “…the government takes our taxes to build roads and the Baptists wear them out going to meetings!”

Church meetings, by and large, have become less, except in some of the “revival-driven” churches. But are we spending more time — or enough time — at home?

This is going to vary by time of year, phase of life, and numerous variables (many of us are bracing for a multitude of Christmas events). Most of us have weeks where we are gone or have something every single evening, but that is not the norm.

Discussion

Bitterness Happens

(Read the series.)

Bitterness is a cup we all have to drink sometimes, though some taste it far more often than others and some mixes are far more noxious than others. The bitterest afflictions are those that are continuous—an irreversible decision with seemingly unending consequences, an irreparable but inescapable relationship, the loss of someone so close to us we can’t figure out who we are without them, a gradual ebbing of health and with it both the grief of lost vitality and the resentment of feeling that it happened too soon and wasn’t fair.

In these cases and many more, bouts of bitterness are unavoidable. But with each perfectly normal attack of spiritual and emotional heartburn comes a temptation to indulge and harm ourselves.

I wish I could title this post “I Beat Bitterness and You Can Too,” but my battle with bitterness is ongoing—almost daily. The struggle has led to study, though, and the truths of Scripture have often proved to be powerful medicine. I need to review them, and the exercise may also help you or someone you know.

Discussion

Passion, Guilt, and Narcissism: Growing Up in 2016

As the mother of four young people ranging in age from 15 to 28, I’ve spent the last couple of decades trying to prepare them for the world they will live in.

Along the way I’ve listened to many a fellow parent bemoan the problems of “these kids today.” Memes of children walking around looking at their smartphones are our signposts of The End of Civilization as We Know It.

However, the parents and elders of every generation echo the lament, “These kids today …” There’s a quote, old enough to be sometimes attributed to Plato, which states, “The children now love luxury. They have bad manners, contempt for authority; they show disrespect for elders and love chatter in place of exercise.”

Discussion

Ordering Finances Wisely Part 8: Work and "Using the World Without Abusing It"

Read the series so far.

Key Verses

Luke 11:11-13, “If a son asks for bread from any father among you, will he give him a stone? Or if he asks for a fish, will he give him a serpent instead of a fish? 12 Or if he asks for an egg, will he offer him a scorpion? 13 If you then, being evil, know how to give good gifts to your children, how much more will your heavenly Father give the Holy Spirit to those who ask Him!”

1 Timothy 5:8, “But if any provide not for his own, and specially for those of his own house, he hath denied the faith, and is worse than an infidel” (KJV). (“Infidel” is ἄπιστος, “without faith;” in ESV, NKJV, NASB, NIV, “an unbeliever.”)

1 Corinthians 7:29-31, “But this I say, brethren, the time is short, so that from now on even those who have wives should be as though they had none, those who weep as though they did not weep, those who rejoice as though they did not rejoice, those who buy as though they did not possess, and those who use this world as not misusing it. For the form of this world is passing away

Discussion