Ads 468x60px

Mar 9, 2013

10 Days of Financial Wisdom: DAY 10

Integrity Matters
In his book The Millionaire Mind, Dr. Thomas J. Stanley studied the habits of several hundred individuals with a net worth of at least $10 million. He really wanted to find out what makes the typical millionaire tick and uncover any common characteristics that contributed to their wealth.
As he examined the results of his interviews and surveys, Stanley found a definite connection between personal integrity and financial success. In fact, he ranked integrity as a prime predictor of wealth potential - even higher than an individual's chosen business or industry.
In other words, integrity matters!
The reason so many people struggle with building wealth is that they also struggle with integrity. They lack a basic commitment to honesty. That's a strong statement. In fact, it may be so strong that you think it doesn't apply to you. But if you're breathing and if your heart is beating, you have wrestled with being completely truthful at one time or another - and some of those struggles probably had something to do with money.
Simply put, there are two ways to make money and build wealth. You can rely on dishonesty, or you can stay completely committed to integrity. In Proverbs 13:11, Solomon drew a sharp contrast between the two.
Dishonest money may seem to come more easily, but it never lasts. It dwindles away like sand running through our fingers. But honest money, gained through hard work and investment over time, grows. It provides security - not to mention a clear conscience.
Integrity matters - in your finances and in every other part of your life - because a moral breakdown is not a victimless crime. Dishonesty will deeply wound you and those around you. Unless you hold yourself to an ultra-high standard, you will walk through life with an emotional and spiritual limp.
Fortunately, it's not too late to correct course. If you've skimped on integrity in the past, now's the time to come clean - to yourself, to others and to God. Repair that chink in your armor today.
Remember, integrity matters!
By: Dave Ramsey

Initially when I read this I thought, "well this doesn't apply to me because I've never really been dishonest with money." But when I really examine myself I find that it's really not true. I have been dishonest at times, with my husband, about what I bought and how I paid for it (with a credit card).

Just because I wasn't directly conning somebody doesn't mean I was still being honest about money and how I was handling it. Everything we have is from Him and to use it so deliberately with dishonesty is horrible. And what's even more shocking is that I wasn't being frugal with God's money or taking care of my marriage. My sin in spending against my husband, when he worked so hard for that money, is a direct insult to God because God gave my husband to me- as the perfect companion. We were created for each other. To go out and spend recklessly then to be dishonest when my husband ask 'how much did you spend?' is truly appalling and when I finally was able to say to myself, "You were not truthful and this does apply to you" can I then really repent of my sin toward God for ask for forgiveness from my husband.

Ladies, reckless spending of the money God entrusted to you is dishonest. He has so much stored up for us with all the riches and glory this world cannot offer. Spending to fill a hole that only God can fill is purposeless. Spending because you're bored, that also, is unwise. Holding on to stuff around your house that contributes to all the clutter in our lives because at some point we spent money on it, it not being frugal. Be careful.  Are you tempted to lie (sin) to your husband about how much you spent? Does your spending cause dissension in your marriage? Speaking from a gal who's already been there, if you feel the need to 'exaggerate' about what your spending so it doesn't seem so bad' is dishonest.

Sorry if I'm coming down. A lot of what I say is to preach to myself and my blog is just a way to vent my own learning. Some of this may not apply to you but for those of you whom it does apply-take steps starting tomorrow to implement all we've learned in this study. I truly believe that when we ask we are given. Sometimes not in the way we planned but ultimately God knows where he's leading us and if we have the faith to believe that our financial situations are not permanent (given we make changes today) then He will lead us in the path of righteousness.

Please know that I am not a righteous person. I just desperatly want to know Him more, be changed and renewed, and follow the plan he has for my life in Jesus name.


St. Patrick's Day Preschool Ideas

Need some cute ideas for your preschoolers for St. Patrick's Day? Well look no further. Here is a great list of some of my favorite packs, activities, and games for your preschoolers to keep occupied and celebrate this St. Patty's Day-ALL FREE.

My simple unit pack: feel free to download and print via pdf!

Inside you'll find activities such as:
  • lacing card
  • color-by-number
  • size sorting
  • Do-A-Dot page
  • Handwriting practice
  • poke page
  • pattern practice
  • puzzle
  • Uppercase/Lowercase sorting
  • Spelling/Vocab practice
  • Counting practice
  • Number Order puzzle

More great ideas from my favorite websites!

Pre-K Leprechaun pack- From Our Little Monkey's Page at Teachers Notebook with a lot of great activities! 

Rainbow Lapbook-A cute way to teach color from Carisa at 1+1+1+1.
Little Lapkins- A link to show how to use the rainbow lapbook and other cute lapbooks for learning.
Activities for Kids-from Activity Village come with a lot of fun things to do with you kids.
pot of gold collage
A paper plate shamrock
clover wreath
A few more ideas to celebrate the holiday! 

Lucky Charm Graphing-from Homeschool Creations, sort and graph a box of Lucky Charms.

Make a few traditional Irish meals for the St. Patrick's Day: Here's my favorites from
Corned Beef and Cabbage 1
Reuben Sanwich II
Slow Cooker Corned Beef and Cabbage
Check out some cute books from the Library about St. Patrick's Day. (Note: because a lot of this is folk stuff- make sure you first approve of the book. I found some really interesting ones that I didn't really want my kids reading;) 

And if all else fails look to Pinterest!

 Always enjoy and get a kick out of what other people come up with for their boards on pinterest!

which is an Irish toast for 'good health'

10 Days of Financial Wisdom: DAY 9

The Tortoise Wins!
Welcome to day 9 of our 10 days of financial wisdom. So far we've learned about leaving a legacy for our kids, working together with your spouse to build confidence with money, paying attention to how the already financially successful use money, being really focused on getting out of debt, why we should not live as slaves to debt, saving today for tomorrow and planning ahead. All of which have been very helpful and each using a key verse from Proverbs to teach us about money. 

Today's message is for people like me who work now and expect results NOW.
"I've been blessed to learn from some wildly successful individuals. I love those opportunities, and I always try to make the most of them. I even take a pen and a notepad so I can write down important insights.
The way I see it, you stop growing the moment you stop learning.
One day, I was spending time with a really successful guy. I mean, this guy was a billionaire! Over lunch, I asked him a question I've asked many wealthy folks: "What can I do today that will get me closer to where you are financially and in business?"
Now this was a godly man who had been walking with the Lord for a long time, so his first answer wasn't really a surprise - give generously. Almost every wealthy person I've ever talked to has emphasized generosity, and giving is already one of my favorite things to do. So, that was pretty much a given.
His second suggestion was to read a book that he guaranteed would change my life. I'm a huge reader, so I was really excited about this idea. I had my pen to the paper, ready to write down the name of this transformational book.
"Dave, have you ever read The Tortoise and the Hare?" he asked.
Huh? A fairy tale? What's that got to do with wealth?
Seeing the weird look on my face, my friend said, "Dave, we live in a world full of rabbits. Everybody is running around, hopping here and there without paying attention to where they're going. If you want to succeed, you've got to stay focused and move slow and steady."
Then he leaned in and hit me with the clincher: "Every time I read that book, the tortoise wins."
I think Solomon was making a similar point in Proverbs 21:5. Diligence requires patience and perseverance. It's much more tortoise than hare. It also leads to plenty, while haste and hurry lead to poverty.
Reliable wealth building is really pretty simple - maybe even a little boring. It just takes doing the right things consistently over time. It may be tempting to sprint ahead like a rabbit, but don't fall for that myth. The truth is, building wealth is a marathon, not a sprint. And in this race, the tortoise always wins."
By: Dave Ramsey

I truly believe that for whatever reason I'm part of a generation of get-rich-quick people. I look at my grandparents and wonder how they can afford such nice things for ALL of their family members at Christmas. Or how they can randomly bless us with money when we have a baby. But then I realize these people don't live lavishly. They have nice things but have had them for yearssssss. Consider this how many people do you know with grandparents that live in the same house they bought 35plus years ago? They've spent their entire lives being frugile, patient, and smart with money. They've invested and watched their investments grow over time. This man, Dave Ramsey is talking about, is probably one of those people. Now are my grandparents billionaires? NO, but they are patient and have kept their eye on the target.

I think maybe I need to read this advice at least once a week to remind myself that it doesn't happen all at once. I really like that the verse says Good planning AND hard work lead to prosperity. I feel like my generation wants and thinks everything should be handed to them on a silver platter. Sorry guys that's not how life works. It didn't work like that for my grandparents, so it's not going to work like that for me. If Dave, my Dave, and I are married for 25 years and still have the same sofas we bought with our engagement money but we are completely debt free, then I'll truly be a happy, happy, happy ;)

Grace to You,

Related Posts Plugin for WordPress, Blogger...

Popular Posts


A Mother's Prayer

Lord bless my home and anyone who enters. Lead me daily so that I am always aware of You! Whether educating my kids, cooking or cleaning may my attitude always be that of a servant. Give me the words to guide my children to You, to know You, Your character and love You, Lord. Please teach to have patience and to always be learning. Lord mold me through each stage of life so I am continually growing and pursuing You no matter what. Lord I want to be a great mom and wife and I know that if I look only to You for help that I can accomplish this, the love for my family that I desire to show them. Lord I'm amazed by You and I love You. Amen.

Full of Life, Full of Love

"The spirited child-often called "difficult" or "strong-willed"--possesses traits we value in adults yet find challenging in children. Research shows that spirited kids are wired to be "more"-by temperament, they are more intense, sensitive, perceptive, persistent, and uncomfortable with change than the average child." It seems as though we have three, and they are very much like me. What does this mean? I need to be compassionate, consistent, confident, controlled, all with a gentle yet firm approach. Yes my plate is full.

Motherhood: A rigorous training ground

What an awesome responsibility mothers have to their children. Cultural stereotypes promote the idea that giving birth miraculously endows women with kindness, compassion, and goodness. But we all know better. Many of us can witness that we are made more aware of our weaknesses and impatience after becoming mothers than we were before. Godliness and generosity are not prerequisites of giving birth; they are characteristics that God hones and whittles into our character over time. Motherhood provides a rigorous training ground where we can display practice and model the disciplines of love, honesty, and compassion before our children. --Rebecca Laird