Financial Tidbit…It really is this easy. Many folks are struggling to just make ends meet, but there is a simple remedy that applies to just about everyone. Find your spending habit that has become part of your daily routine. Believe it or not, it is what has become “routine” in our spending that is robbing most people of that little extra that can make all the difference. Here’s how it works: For thirty days keep a running log of everything you spend…EVERYTHING. How is this done? Keep a small notebook or check register with you at ALL times and record EVERY purchase during that time. What you will discover is the pattern of your “routine”, habitual, spending. It may be soda, cigarettes, fast-foods, coffee, gum, candy, movie rentals, you name it…all these are wants not needs. Most people say, “How much could that be?” Well, let’s do a quick calculation: $1 @ day on a coke = $365 @ year. A pack a day smoking habit at $3.50 @ day = $1277.50 @ year, not to mention the health costs. One fast food stop per week at $7 = $364 @ year. That deluxe coffee on the way into work, instead of brewing it at home, $4 each work day = $1040 @ year. Well, I think you’re getting the picture. Just keep a record for one month, be honest about your spending, look for the habits that are siphoning off your precious resources, commit to making some simple lifestyle changes, and one financial hurdle is behind you. It’s all about focusing on needs, dispensing with wants, and moving toward financial stability and then, eventually, debt free living. Really, it’s that easy!
Blessings, Pastor Bill Ruhl – Global Destiny Ministry
