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"These things have I spoken unto you, that my joy might remain in you, and that your joy might be full", John 15:11.
  • Know where you Spend your Money!

    Impulse spending means that you are making excessive unplanned purchases. An example of impulse spending that we can identify with is a trip to the gas station. You stop by the station, and while pumping gas you see a display of your favorite sodas and candy bars so you decide to get one of each. Zappo, you go inside, buy one of each and drive off into the sunset eating candy and drinking soda. That is an example of innocent impulsive spending. You spent three bucks and got a sugar and caffeine jolt. Now, you don't do this every time you stop for gas do you? Well...yes, some do, but most of us don't. If you buy those items every time you stop for gas it is not impulse spending, it is a habit.

    Sometimes impulse spending can be a good thing. You are on your way home from work and you are thinking about what a wonderful wife or husband you have. You feel so blessed and are thanking the Lord for them as you drive. Then it hits you. Stop and buy her some flowers, or him a box of brownies at your local supermarket. You stop, make your purchase, and then surprise them with a blessing when you walk in the door. You were impulsive, but you could afford it and it sure was fun. It was a really good thing to do for your spouse. The key concept here is having the maturity and self-control to know when to say no to your impulses.

    Remember my friend who was listening to his car radio and heard that he could get a free cooler by stopping by a certain car dealership. All he had to do was test drive a new car. He and his wife loaded the kids up in their car, hurried over to the car dealership, took their test drive, and you guessed it...he proudly accepted ownership of his "free" cooler for which he paid $25,000. Now, that is impulse spending. In 2008 a TV news story highlighted a car dealer who was offering a deal where customers would get a specific brand new car for the sum of $1.00 when they bought any other new car from him at the full sticker price. That was a great deal for those who needed two new cars at once and could afford to pay for them, their taxes, and insurance. One has to wonder how many people went impulsive on that opportunity.

    This is a really tough one because we have all been trained to spend impulsively by our culture. Look at the way various items are arranged on the shelves in any retail store. They are practically jumping off the shelves at you. ALL of the items beside the checkout stands are impulsive spending, high margin items. It is no accident that they are right there beside the cash register. They are placed there by design. In essence, your favorite retailer is trying to squeeze every last penny out of your pocket when you check out.

    Watch out for Impulsive Spending! Take charge of your money and make wisespending decisions. The money you save will be your own.

  • Everyone wants to have a happy, rewarding, and meaningful Retirement!

    The Word of God tells us "A cheerful heart is good medicine, but a crushed spirit dries up the bones" Proverbs 17:22.

    There are many things you can do to insure that you will have a fulfilling retirement. Four of the more important ones are listed below.


    Plan a successful and happy retirement. Give a lot of thought to what you wish to get out of your retirement and what you wish to give through your retirement years. In Luke 17:33 Jesus said: "Whoever tries to keep his life will lose it, and whoever loses his life will preserve it." Decide what kind of retirement you want. Make your plans, set your goals, and live out your heart-felt desires.


    Allow yourself some "wiggle room" in case things don't go exactly as you planned for them to go. The grandest plans in the world may never become a reality due to outside forces such as the economy, health issues, death, finances, or some other outside force.

    Make your plans and follow them, but don't be surprised if some of them never come to fruition. "Suppose one of you wants to build a tower. Will he not first sit down and estimate the cost to see if he has enough money to complete it?" Luke 14:28.


    Who hasn't seen the hackneyed bumper sticker saying that says: "Your Attitude Determines Your Altitude"? Silly as it may seem, there is some truth there. Your positive mental attitude can be a major contributing factor toward your happiness during your retirement years. Memorize and act upon the admonition of Proverbs 17:22: "A cheerful heart is good medicine, but a crushed spirit dries up the bones."


    Enjoy new friendships, relationships, experiences, people, places, and things. Look for the nuances in life, avoid negativity, and know when to say "no". Jesus has a poignant

    word about new things in Matthew 9:17: "Neither do men pour new wine into old wineskins. If they do, the skins will burst, the wine will run out and the wineskins will be ruined. No, they pour new wine into new wineskins, and both are preserved." Make room for new things that will challenge your body, mind, and spirit during your retirement years.

    Actively plan to have a Happy Retirement. Refuse to wait on the sidelines simply hoping something good will happen. Get up and do something!

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