Archive for April 2011
Christian Financial Planning: What?s The Difference?
April 30, 2011 | 
Author What is Financial Planning?
Financial planning is similar with budgeting in terms of objectives – to produce positive cashflow by either increasing the income or reducing the expense through various interventions. Their only differences is in terms of scope. Budgeting is short to medium term and covers from the daily to the monthly allocation of assets and the management of liabilities. While Financial planning is medium to long to lifetime and encompasses from the bi-annual to an entire lifetime. A budget deals with the everyday financial scenario while a financial plan directs the assets and liabilities to achieve a more abundant status. In short, this plan is about making and keeping you rich and wealthy.
What is Christian Financial Planning?
This type of financial planning is basically the utilization of Christian ethics in the conduct of financial planning. Like in the scriptures, God has made clear that those who stay awake and stand guard against trials will be easily spared. Builders are also told to plan their constructions as to avoid shortage in materials. Kings are also warned against fighting a war in which they are heavily outnumbered and disadvantaged. Christian Financial Planning also entails the application of timeless Christian morals like honesty, humility, unselfishness, concern for the poor, unworldly conduct, stewardship and Christ-centeredness.
Why Christian Financial Planning?
Well, why not? If you are a devout Christian or knew someone who is, you will notice how Christians properly conduct and deal their finances. They do it with the outmost devotion to God as a form of service to His beloved people. Christians also humbly regard themselves as mere stewards of the wealth that they currently possess. They are therefore generous in sharing and growing this abundance with others. In effect, a Christian financial plan is a plan of prosperity and generosity.
What does Planning for the Flood and Preparing for the Times Mean?
Just like the Great Flood in Noah’s time, big challenges that can leave us crippled are just around the corner waiting to happen. It’s no longer a question of what but when. Noah planned and prepared for the Great Flood while the rest of humanity laughed and mocked at him. When the 40 days and night of rain drowned the merry-makers, they weren’t amused. Just like time and again, the people have been warned to build their “arks” of savings and nest eggs. This financial planning means building your finances for the hard times ahead while observing Christian virtues.
What are the Benefits of Christian Financial Planning?
This financial planning is advantageous in these times because it eliminates the need to circumvent public welfare when gaining or preserving wealth. By having a Christ-centered financial plan you will be free from the worries of the law of man or God. Your righteous wealth plan will be above scrutiny and you will be blessed with an honest and bountiful harvest. It will honor the Lord and you will partake in His works. Another hallmark of this financial planning is accountability for your decisions, actions and the results. As a Christian, you are ultimately responsible for yourself and you will answer to God who will weigh your scale. By being accepting of the consequences, we are now in a much better position to improve our lives.
Written by redzy08
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Checking Out The Holiday Sales
If you are on a budget this holiday season, then checking out the holiday sales can be a big help with Christmas shopping. Sure you may encounter a few crowds or long lines, but you will also save money by hitting the sales! You can find quite a few sales to hit during the holiday season. The key is to know where to look for them, which is easy for anyone to do. Once you find the sales, you can figure out what sales to hit and when.
To help you save money as you shop, here are a few tips for checking out the holiday sales this season.
Tip #1: Look For Sales Through-Out The Holiday Season.
If you have missed any of the Black Friday or Cyber Monday sales, then do not give up on finding any. Many retailers will have sales through-out the holiday season. This includes both online and offline sales. Keep an eye out for sales until you have finished all of your shopping, and do not limit yourself to only Black Friday and Cyber Monday. You never know when a special promotion or door buster sale will come up!
Tip #2: Use More Than The Internet.
If you have an internet connection, then this can come in handy for looking for holiday sales. There are many retailers and websites who will make customers aware of any upcoming sales by posting them on their websites or sending out an email. But you should use more than the internet when looking for sales. You can find out about sales from the newspaper or sale papers, regular mail, television advertisements, the news, and even by physically going to the stores for sale information. This will give you more chances to find out about a sale and what will be offered during the sale.
Tip #3: Compare Prices.
If you are looking for a specific item, then look up different sales and see if you can compare the prices. You can do so by using the internet, sale papers, going to the stores, and more. Write down each location that is selling the item and the price they are offering during the sale. This way you will not forget what you have found. Once you are finished, go through the list and see which sale will give you the better deal for the item you are looking to purchase. Keep the list on hand incase you do not make the sale or the item sells out before you can purchase it.
Tip #4: Shop Online and Offline.
Retailers will be offering sales during the holiday season both in stores and online at shopping websites. Do not limit yourself to one or the other if you can help it. You may find that you can get one item for a better price online and another for a better price by purchasing it in the store. So check out both the online and offline sales and shop during the ones that are right for you. Remember to only shop online from trustworthy websites and shop soon. Items ordered off of a shopping websites must be processed, shipped, and delivered, and you want to be sure they will arrive before Christmas.
Tip #5: Make The Sales On Time.
Sales start at various times through-out the holiday season. Some start as early as five o’clock in the morning, while others start as late as eleven o’clock at night. Others may last from open to close. If you find a sale that you would like to shop during, be sure to find out what time it starts and ends. Once you find out what time it starts, try to make it there for that time or a little earlier. If you do not make the sales on time, you run the risk of the items you want selling out, the crowds and lines increasing, and missing the sale altogether. This also includes online sales, as an item can still sell out even if it is being sold online. So it is important to make the sale before or as it is starting if you really want to shop during it.
Checking out the holiday sales and shopping during them is easier than you think. When you are done, you will have gotten gifts for your loved ones at lower prices than you normally would find them. This will help you to budget your money during the holiday season and avoid any financial problems after the holidays. Enjoy shopping during the sales this holiday season! Happy Holidays and Merry Christmas!
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Written by Tammy85
I’m Tammy. I’m friendly & easy to get along with. I enjoy spending time with my loved ones, writing, photography, beading, and more.