In a moment, identity theft can cause you huge expense and massive headaches. What an identity thief accomplishes in an hour or day can take years to unravel. It can happen to anyone, and the perpetrators are not always strangers. Take a few simple, basic precautions to protect yourself.
It never fails. You found the perfect gift for your “hard-to-buy-for” loved one, and it was an amazing deal. But by the time you purchased the box, wrap, bow, and card, you spent more on the wrapping than on the gift.
Don’t do that this year. Save your hard-earned money for your gifts, and use one of the artistic ways below to create a package that’s too pretty to open.
For a child is born to us, a son is given to us. – Isaiah 9:6
Christmas is a time of joy and celebration for Christians. We exchange gifts with family & friends to show our love and appreciation. If your shopping list is growing into a financial or time-consuming burden, get creative this year!
It’s best to set in stone some core financial principles sooner rather than later. Here are some fundamental truths you should always keep in mind.
1. You should pay God first.
Where your treasure is, there your heart will be also. It’s important to understand that money shouldn’t be the sole reason behind why we work each day. Our hope doesn’t lie in the dollar, euro, or gold; it’s founded on Christ.
Personal finance is no different. When we acknowledge our dependence on Christ, we can start to see how faithful God really is. This is why giving is so important. We give so that others might hear the Gospel and find the same hope that we have.
*Note: All the burgundy heading is what Turning Point Stewardship makes happen for our members.
It’s time to start thinking about holiday jobs. With Christmas coming soon, your chances of getting a part-time seasonal job increase if you start looking now. Hurry before it is too late!
Tips for Getting a Seasonal Job
Before we even look at holiday job ideas, make sure you are putting yourself in the best possible position for actually getting the job. Here are some tips:
With the Thanksgiving holiday upon us, allow me to ask: Would you rather develop a thankful mindset throughout the year or squander Thanksgiving Day with food and parades and football?
Don’t get me wrong: I love food and parades and football, but none of these move me to thankfulness. I am therefore vowing to better practice the following ideas, with the hope that I can learn to be more and more thankful throughout the entire year. Won’t you join me?
Averages are a funny thing. I remember a teacher’s example: A guy had his head in the oven and his feet in the refrigerator. When asked how he felt, he said, “On average, pretty good.”
Averages can be an odd measure of things. Remember that 2.5 kids statistic?
On the other hand, averages help us see the big picture and understand our world in a specific context – average weight, average exam grade, average temperature, etc.
Let’s take a look at the average American from a financial point of view. (Sources range from years 2010-2012.)
When you love someone it is hard to see them suffer.
This is especially true when you know their financial woes could easily be avoided by a little financial knowledge and some wise choices.
But, how do you force someone to gain financial knowledge? How to you help someone to make wiser choices? How do you minister to family members who keep making bad money choices?
A guide for helping family members with money problems:
Lately I have been talking to a lot of folks who are heavily burdened by their student loan debts – some of whom have over $100,000 in student loan debt.
And while I believe, according to scripture, we are to pay back our debts, if they are forgiven by the lender then we are off the hook.
So all this led me to do some digging about some of the little known student loan forgiveness programs out there. It is amazing to me that these programs have seemingly been kept undercover. There are a large number of people out there who could really benefit from them.
Have you ever bought something that didn’t do what you wanted it to do? It’s frustrating when something doesn’t work the way it’s supposed to right out of the box.
When reality doesn’t meet our expectations, we get disappointed.
So when I heard a 50-year-old man complaining that he wasted 20 years of his life paying into a term life insurance policy, I couldn’t help but think: Is life insurance a waste of money, or did he just not have the right expectations going into it?