Owner: Christian Personal Finance URL:http://ChristianPF.com Join Date: Thu, 11 Oct 2007 21:44:23 -0500 Rating:0 Site Description: Christian finance and Bible scriptures about money. Showing how to get out of debt, save more, invest better from the practical and spiritual side. Site statistics:Click here
Christian Personal Finance on FaceBook 2007-11-24 12:15:17 Yep, I am on Facebook. I have actually had an account for a few months, but never really knew what to do with it. I don’t really get on very often right now, because I don’t really know what to do when I do get on there But, my wife is trying to teach me. So you can check out my profile and feel free to add me as a friend…
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5 ways to Save Money on Books 2007-12-04 07:48:39 I love books. I used to hate reading, therefore I hated books as well. But, as soon as I got out of school I began to enjoy reading - probably because I was no longer forced to do it. So now I collect good books, but I can’t remember the last time I paid full price for a book, or even half price for that matter. These are the 5 ways I save money on books:
1. Amazon.com
It doesn’t get much better than Amazon.com. They have just about every book imaginable, and you can buy almost all of them used. At this moment, I have books on my Amazon wish list that are selling used for 1 cent! I do have to pay shipping, which might be a couple bucks, but that sure beats the $20 retail price.
2. The local Library
I can’t speak for all libraries, but ours has a website that allows to us to browse the library database and request items to be sent to the nearest branch. Once they arrive, I get an email notification that they have arrived. Even though I prefer to own the b Read more:Books
, Money
The one thing I would teach a recent college Grad 2007-12-01 09:52:08 It is so SIMPLE to retire well off, if you make just a little sacrifice now. The alternative is making a huge sacrifice later on (in your 40s) and still probably not doing as well as if you made a small sacrifice now.
You just finished your degree and you are probably looking for your first “real” job. This is the perfect opportunity to decide how you would like your financial life to be. You have the choice to spend and buy whatever you feel like which will likely put you in heaps of debt. If you choose this path, you will be in good company. You can be sure most of your peers will take this path.
Or, you can take the road less traveled. You can be one of the “weird” people out there who refuse to believe that they have to be in debt all their lives. You can get motivated by the thought of the freedom that comes with being debt free. This road can sometimes feel like a lonely road, when everything and everyone around you is yelli
Divide and conquer 2007-12-09 12:29:35 Dividing large bills into smaller chunks can make them much more manageable.
They say the best way to eat an elephant is one bite at a time. The point is, that when you look at the size of the thing, it is overwhelming, but by working at it one small bite at a time, you will make progress and eventually you will complete the task. The same principle applies to our finances. Be it saving for retirement, eliminating your consumer debt, or paying a huge bill.
In our state we have to pay taxes on our personal property. So, at the end of every year we owe a few hundred dollars in property tax for our cars due on December 31. A bill for $350 can be challenging at any time, but right after the Christmas spending spree makes it even more difficult.
The great news is that for $29.16 a month I can have all of the money saved up for that bill when December rolls around again. This is part of my budgeting with ING Direct that I use. I create a savings account for each “elephant” siz Read more:Divide
, conquer
I have been tested 2007-12-06 07:27:28 We just had an unexpected (they usually are) car repair come up that took a big bite out of our emergency fund. While I know God didn’t cause the problem, I think He was interested to see how I would respond. I don’t think He was too impressed.
I wasn’t too impressed with my initial reaction either: fear and feelings of a lack of security now that my emergency fund was shrunk. I would have liked to IMMEDIATELY respond by saying, “No big deal, God is my provider and every dollar in my name is actually His anyway, I am just the steward.” I won’t even tell you (to save myself the embarrassment) the stupid thoughts that were flying through my mind when I got the news. But, after a little time praying and reminding myself about about what the Bible says about it, I came back to my senses.
I have been building my emergency fund for years and have not had to use it until now. And I was upset that I had to use it.&nb Read more:tested
iPod Nano Giveaway 2007-12-21 00:00:50 Everyone needs an iPod
. So, why not give one away? What does it have to do with Christian personal finance? Not much. But, it’s Christmas and I just wanted to thank the readers for a great six months by having a few giveaways.
The iPod giveaway
4GB iPod Nano (for more specs and details about the iPod click here.)
There will not be any hoops to jump through in order to win. You won’t have to link back to this site, you won’t have to digg or stumble anything (although it would be appreciated), you won’t even have to say anything nice about me!!
So what do I have to do to win the iPod?
If you would like to be entered for a chance to win the iPod, just type “free iPod” in the comments below before 11:59pm CST on December 24th, 2007.
A few more notes about the iPod Giveaway…
From those comments entered I will randomly select a winner using random.org.
Go ahead and enter for each of the prizes, but only enter once (per household) for each one. (Dupl
YNAB Budgeting software Giveaway 2007-12-20 00:00:59 YNAB = You Need a Budget. YNAB Pro retails for $39.95 and was kindly donated for the giveaway by the folks at YNAB Personal Budget . If you are interested in getting a free copy of YNAB budgeting software, then keep reading for instructions.
YNAB Pro giveaway
YNAB Pro giveaway (click to find out more about YNAB Personal Budget )
There will not be any hoops to jump through in order to win. You won’t have to link back to this site, you won’t have to digg or stumble anything (although it would be appreciated), you won’t even have to say anything nice about me!!
So what do I have to do to win the YNAB budgeting software?
If you would like to be entered for a chance to win the YNAB budgeting software, just type “YNAB” in the comments below before 11:59pm CST on December 24th, 2007.
A few more notes about the YNAB Giveaway…
From those comments entered I will randomly select a winner using random.org.
Go ahead and enter for each of the prizes, but only enter Read more:Budgeting
How to find money to save 2007-12-18 15:21:46 Everyone knows they should save, but a lot of people say they can’t find the money to start saving. They get their paycheck, promise themselves that this time they will save whatever is left over and sure enough two weeks later nothing is left over to put in savings. Have you ever been there?
So how do you find money to save on your current income?
The best way is to get a piece of paper, attach it to your hip for a week, and write down EVERY SINGLE thing that you spend money on. Even if it is a 50 cent newspaper - every single thing. Most people are amazed at what they find, not so much because they forgot that they spent the money on _____, but now they can see how it all actually adds up.
Once you are armed with the truth of your miscellaneous spending, you can look to find ways to fight back. David Bach calls this the “latte factor.” In his book, The Automatic Millionaire he explains how just by cutting coffee drinks out of your daily habit, you can fund a n
Let's give away an iPod for Christmas 2007-12-17 08:20:51 Dear ChristianPF readers:I just want to thank you for everything that you have given me over the last six months - countless emails of support and thanks, some great thoughts and ideas about personal finance issues, and a whole lot of great comments on the site. I have really enjoyed getting to know some of you better and look forward to where we are going in the future. I am truly grateful and I want to give a little back to the readers - so I am going to have a few giveaways for Christmas
:
Michael W. Smith’s “Christmas” CD
Michael W. Smith’s “Christmas” - This is a masterpiece of a Christmas album, one of the best I have heard. It is about 15 years old, hence the “unique” and “stylish” album cover, but still a great Christmas album that everyone should own.
4 GB iPod
Nano
4GB iPod Nano - I think this one is probably self explanatory. If not, then you probably don’t want it anyway.
Primerica pros and cons 2007-12-14 06:54:46
I have been to quite a few multi-level marketing recruiting meetings over the years. I consider myself to be an open-minded person, so I don’t mind meeting with the recruiters and really learning what the company is all about. It helps that I don’t have much desire to follow the crowd and don’t have a problem saying no or leaving when I realize it is not what I was interested in.
I met with someone from Primerica a few months back, and just got a call from a different recruiter a few days ago. Since they seem to be growing, I figured I would share my thoughts and see what everyone else thinks.
Primerica Pros
I was intrigued by Primerica because, having worked in banking and currently working in the brokerage industry, I understood that they were offering a valuable service to their clients. Primerica is a divison of CITI, one of the largest banks in the world. Citi offers just about every financial product under the sun and they use Primerica as a sales force of th
Warren Buffett Videos 2007-12-12 06:11:59 If you have been a regular here for any length of time, you will know that I have a strong appreciation for WarrenBuffett
and his wisdom on business, investing, and life. I have written about a few things I learned from Warren and some famous Warren quotes as well.
I found a series of videos from a talk Warren gave to MBA students at the University of Florida. It never ceases to amaze me how large of a goldmine of wonderful information is available for FREE. He still hasn’t written a book, so you have to soak up his wisdom via other methods (like this). If you are even remotely interested in investing or business these would be a good use of your time. (each one is a little under 10 minutes)
YouTube - Warren Buffett
MBA Talk - Part 1
YouTube - Warren Buffett MBA Talk - Part 2
YouTube - Warren Buffett MBA Talk - Part 3
YouTube - Warren Buffett MBA Talk - Part 4
YouTube - Warren Buffett MBA Talk - Part 5
YouTube - Warren Buffett MBA Talk - Part 6
YouTube - Wa
The Winners Are… 2007-12-25 10:52:42 Thanks to everyone who participated in the Christmas giveaway. It has been a lot of fun for me and I am going to start having giveaways on a regular basis. I haven’t figured out all the details yet, but I will let you know when I figure it out.
So, let’s hand out a few presents!!
YNAB Budgeting Software
The winner of the YNAB Personal Budget software is EDNA!!
iPod 4GB Nano
The winner of the 4GB iPod Nano is BRUCE!!
Michael W Smith “Christmas” CD
The winner of Michael W. Smith’s “Christmas” is CENTSIBLE SHOPPER!!
“Zen to Done”
The winner of the Zen to Done eBook is MRS. MICAH!!
“Fix ‘em up, Rent ‘em out”
The winner of the Fix ‘em up, Rent ‘em out book is Matt!!
Winners
: I will be emailing you within a couple days so we can work out the details.
I will be get
"Fix em Up, Rent em Out" Giveaway 2007-12-24 00:00:04 Terry Sprouse from Fixemup.org has also donated a copy of his book “Fix ‘em up, Rent ‘em out.” to the readers. His book and website teach newbies how to start their own fix-up and rental business in their spare time.
“Fix ‘em Up, Rent ‘em Out” book giveaway
“Fix ‘em Up, Rent ‘em Out” by Terry Sprouse (click to find out more about Fix ‘em up, Rent ‘em out)
There will not be any hoops to jump through in order to win. You won’t have to link back to this site, you won’t have to digg or stumble anything (although it would be appreciated), you won’t even have to say anything nice about me!!
So what do I have to do to win “Fix ‘em up, Rent ‘em out”?
If you would like to be entered for a chance to win Terry’s book, just type “Fix ‘em up” in the comments below before 11:59pm CST on December 24th, 2007.
A few more notes about the book giveawayâ
Zen to Done eBook Giveaway 2007-12-23 08:51:53
Leo Babauta from Zen
habits.net has graciously donated a copy of his eBook
“Zen To Done.” to the readers. His book is a simple system to help you become more organized and productive. It teaches you:
The key habits needed to be productive, organized, and simplified … and no more than that.
How to implement these key habits … tips on forming a habit.
How to organize these habits into a simple system that will keep everything in your life in its place.
How to simplify what you need to do.
Minimal ZTD. Also includes an even simpler version called Minimal ZTD.
“Zen to Done” eBook giveaway
“Zen to Done” eBook by Leo Babauta (click to find out more about Zen to Done)
There will not be any hoops to jump through in order to win. You won’t have to link back to this site, you won’t have to digg or stumble anything (although it would be appreciated), you won’t even have to say anything nice about me!!
So what do I have to do to win &l
Christmas CD Giveaway 2007-12-22 00:00:26 The Christmas
season just isn’t the same without Christmas MUSIC. Well, I am here to help. Along with the iPod and everything else I am giving away this year, I wanted to give away my favorite Christmas CD. Michael W Smith really did a great job with the “Christmas” album (not to be confused with the “Christmastime” album) - There are some wonderfully beautiful songs this album that I love listening to, so I want to share the love. Don’t mind the album art; It is about 15 years old.
Michael W Smith “Christmas” CD giveaway
Michael W Smith “Christmas” CD (click to find out more about Michael W. Smith’s “Christmas”)
There will not be any hoops to jump through in order to win. You won’t have to link back to this site, you won’t have to digg or stumble anything (although it would be appreciated), you won’t even have to say anything nice about me!!
So what do I have to do to win the Chris
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