Thursday, December 3, 2009
Honoring Marriage Once Again
Friday, November 27, 2009
Financial Tips for Black Friday
1) Know before you go.
- Even though Black Friday is considered the day of great deals, it is still necessary to understand the dangers of shopping aimlessly. The aimless shopper is much more vulnerable to the random purchase. These purchases tend to be less expensive per item, yet they end up costing more due to volume. There is not a more deceptive way to spend monies than to aimlessly purchase on Black Friday. The aimless shopper looks at their receipt after the shopping day is over and wonders how in the world they spent so much on all of those unplanned purchases.
- Black Friday presents a lot of "bargain" prices. And when shoppers see bargains, they are less likely to think through the implications of "bargain-based" buying. Bargain-based buying is the buying based on the "deal" and not the need/plan. The dangerous excuse for bargain-based buying is that if you change your mind or if it doesn't really fit, you can take the item back for an exchange/refund. Sometimes this type of buying is actually used as an excuse for shoppers to have a Black Friday carryover shopping day. But returning the bargains for exchange/refund can be costly. The gas to get there. The food court or the restaurant. The additional unintended purchases. The prices go up after Black Friday; therefore, many times the bargain-based purchase loses spending power when refunded. It is better (and typically less expensive) to buy what you intend to keep.
- The danger of not knowing what you intend to buy before you shop is compulsive spending. The retailers are at the consumer's mercy, but they don't want us to know that. From displays to retail shopping music, all is set up to provide a relaxed shopping experience. Avoid the tendencies to wonder away from the game plan. Make a list and stick to it. Some say it isn't as fun. I beg to differ. It is much more fun to stick to items planned for, shop for the best prices on those items, and make it home with some semblance of a budget intact than to carelessly/needlessly spend the Christmas Holiday in financial hardship.
I believe that these tips are helpful for any shopping day; however, extra caution must be used on the day that every consumer seems to be a little bit more willing to open up their pocket books--a 7.2 percent more. Be wise. Have fun. Be careful. God bless.
Wednesday, November 4, 2009
The Heartache of Forgiveness
"Now Joseph was governor over the land. He was the one who sold to all the people of the land. And Joseph’s brothers came and bowed themselves before him with their faces to the ground. Joseph saw his brothers and recognized them, but he treated them like strangers and spoke roughly to them." (Genesis 42:6-7a) Monday, September 14, 2009
The Aim of the Believer
Friday, August 21, 2009
Making the Most of our Maladies
Monday, August 17, 2009
The Danger of the Happy Hollows
Monday, July 20, 2009
Remembering the Glorious Escape
"As for you, you were dead in your transgressions and sins, in which you used to live when you followed the ways of this world and of the ruler of the kingdom of the air...gratifying the cravings of our sinful nature and following its desires and thoughts. Like the rest, we were by nature objects of wrath. But because of his great love for us, God, who is rich in mercy, made us alive with Christ even when we were dead in transgressions--it is by grace you have been saved." (Ephesians 2:1-2a, 3b-5)Are you satisfied with your life today, Christian? Or, has your love for God died alongside the ever weakening remembrance of just how sinful we once were--imprisoned in darkness? If so, maybe we just need a good reminder of the love of God. Maybe we need to remember the condition which imprisoned us with no intention of letting go. Maybe we need to remember the glorious escape that has been provided for us by the love of God expressed in Jesus Christ. A loving Father. An obedient Son. A needy sinner. A prison break. With each hand that was nailed down to the cross, a greater amount of bricks and bars were thrown to the ground by Divine love. With each thorn that pierced His brow, another shackle fell to the ground. And as Jesus breathed His last breath, the work was finished. The means of escape was available. The love of God was demonstrated to the sinful, selfish world.
God loves you. May you never forget that. We need Him just as much today as we did the day He set us free. May we never forget that.
Remember the Glorious Escape and the love of God that set us free!
