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HOW TO SAVE MONEY (PAGE 3) Powered By Docstoc
					   The Testimony Christian Newspaper                                                                                                                                        11 October 2010 - Page 3
...........How to start your own flower bed:                                                                                                                   even budged that rock by half a
                                                                                                           P.U.S.H.                                            millimeter. What is wrong? Why
depending on the growing conditions where
                                                                                                                                                               am I failing?"
the garden is and other practical                                                                          A man was sleeping at night in
considerations, plus the style of garden,                                                                  his cabin when suddenly his
It's always fun to select the flowers for the                                                                                                                  The Lord responded
                                                                                                           room filled with light and the
garden, plant them and watch them grow.                                                                                                                        compassionately, "My friend,
                                                                                                           Savior appeared. The Lord told
                                                                                                                                                               when I asked you to serve me
You'll have the best chance for success if                                                                 the man he had work for him to
you start by understanding the concept of                                                                                                                      and you accepted, I told you
                                                                                                           do and showed him a large rock
Right Plant, Right Place and select plants                                                                                                                     that your task was to push
                                                                                                           in front of his cabin. The Lord
accordingly.                                                                                                                                                   against the rock with all your
                                                                                                           explained that the man was to
                                                                                                                                                               strength, which you have done.
Reality Check                                                                                              push against the rock with all
                                                                                                                                                               Never once did I mention to
Equally important, how much time do you                                                                    his might.
have weekly to spend on maintaining your                                                                                                                       you that I expected you to
flowers? (Even low maintenance plants                                                                                                                          move it.
                                                                                                           The man did, day after day. For
require regular care.) Will you have help?
What is your budget?                                                                                       many years he toiled from sun
If you are just starting out on your very first                                                            up to sun down, his shoulders                       Your task was to push. And now
flower garden, a modest sized flower bed is                                                                set squarely against the cold,                      you come to me, with your
probably better than too big. An area about                                                                massive surface of the
one or two meters wide and two or three                                                                                                                        strength spent, thinking that
meters long is manageable yet will give you                                                                unmoving rock, pushing with all                     you have failed. But is that
lots of room to play with. You can see what                                                                his might. Each night the man                       really so? Look at yourself. Your
works well for you and what doesn't and                                                                    returned to his cabin sore and                      arms are strong and muscled,
then build on that knowledge and                                                                           worn out, feeling that his whole
experience later.                                                                                                                                              your back sinewy and brown,
                                                         If the Government Stops Funding                   day had been spent in vain.                         your hands are callused from
Have Fun!
                                                                 Space Exploration...                                                                          constant pressure, and your
                                                                                                           Seeing that the man was                             legs have become massive and
HOW TO SAVE                                       THE PIT                                                  showing signs of                                    hard. Through opposition you
                                                                                                           discouragement, Satan decided                       have grown much and your
MONEY                                             A man fell into a
                                                                        A fire-and-                        to enter the picture by placing                     abilities now surpass that which
                                                                        brimstone                          thoughts into the man's weary
Most of us wish we could save more money,         pit and couldn't get preacher said,                                                                          you used to have, yet you
                                                                                                           mind: "You have been pushing                        haven't moved the rock. But
but how do we do it, and how do we get            himself out.          "You deserve your                  against that rock for a long
started? You live pretty much paycheck to                                                                                                                      your calling was to be obedient
paycheck, like the rest of us, and your                                 pit."                              time, and it hasn't budged. Why                     and to push and to exercise
savings are for emergencies only.                 A subjective                                             kill yourself over this? You are                    your faith and trust in My
One of the best ways to save money is to          person came along                                        never going to move it." This                       wisdom. This you have done. I,
never see it.
                                                  and said, "I feel for A Christian                        gave the man the impression                         my friend, will now move the
That's where direct deposit comes in. when        you down there." Scientist observed,                     that the task was impossible                        rock."
you sign up for direct deposit through your                             "The pit is just in                and that he was a failure.
company or from your bank, you can                                      your mind."
designate that some of your money goes            An objective                                             These thoughts discouraged
directly into your savings account. After                                                                                                                      At times, when we hear a word
                                                  person walked by                                         and disheartened the man.
working out a realistic budget, you can                                 A psychologist                                                                         from God, we tend to use our
choose the amount and you don't have to           and said, "It's                                          "Why kill myself over this?" he                     own intellect to decipher what
think about it again.                             logical that          noted, "Your                       thought. "I'll just put in my
                                                                        mother and father                                                                      He wants, when actually what
                                                  someone would                                            time, giving just the minimum                       God wants is just simple
Saving all your small change:
It's a great way to save up money. You can        fall down there." are to blame for                       effort and that will be good                        obedience and faith in Him. By
even get a cool, beautiful jar and make a                               your being in that                 enough." And that is what he                        all means, exercise the faith
game of filling it up.                                                  pit."                              planned to do until one day he                      that moves mountains, but
Saving on taxes:                                  A Pharisee said,                                         decided to make it a matter of                      know that it is still God who
                                                  "Only bad people                                         prayer and take his troubled                        moves the mountains.
Did you know that when you over pay your
                                                  fall into pits."      A self-esteem                      thoughts to the Lord.
taxes that you are in effect loaning the
government your money... tax-free? Just
                                                                        therapist said,
                                                                                                                                                               P=Push through (In God)
once, instead of doing your own taxes, take                             "Believe in                        "Lord, he said, "I have labored
a tax company up on their offer to re-check       A mathematician yourself and you                         long and hard in your service,                      U=Until
past tax papers when you hire them to work        calculated how        can get out of that                putting all my strength to do                       S=Something
out this years refund. And ask them for
advice on how to save on taxes (legally).
                                                  deep the pit was.     pit."                              that which you have asked. Yet,
Other ways to save money.                                               An optimist said,                  after all this time, I have not
If you raise the excess on your insurance,
your premiums will drop.                          A news reporter "Things could be
                                                                        worse."                            TIP 1: DOOR LOCKS                                The 30-Minutes-To-A-Clean-House method
Interest rates for home owners are low right      wanted the                                               If a room clearly can't be whipped into          says: Never dust under what you can dust
now; maybe it's time to look into re-             exclusive story on A pessimist                           shape in 30 days, much less 30 minutes,          around.
                                                  the pit.              claimed, "Things                   employ the Locked Door Method of
                                                                        will get worse."                   cleaning. Tell anyone who tries to go in the     TIP 5: DISHES
There are little expenses that chip away that     A self-pitying                                           room that you accidentally locked the door       Don't use them. Use paper plates and you won't
money you could be saving, too.                   person said, "You Jesus, seeing the                      and can't find the key. Of course, the           have to wash dishes.
 Late fees for movie rentals,
ATM surcharges,                                   haven't seen          man, took him by                   locksmith can't possibly come until              TIP 6: IRONING
                                                                        the hand and lifted                tomorrow. CAUTION: It is not advisable to        If an article of clothing doesn't require a full
That Cappuccino you buy every morning             anything until                                           use this tip for the bathroom                    press and your hair does, a curling iron is the
along with your paper? Buy an espresso            you've seen my        him out of the pit.
machine, and have the paper delivered and                                                                  TIP 2: OVENS                                     answer. In between curling your hair, use the hot
take them both with you out the door. You         pit."                                                    If you think ovens are just for baking, think    wand to iron minor wrinkles out of your clothes.
may have to get up a little earlier but that                                                               again. Ovens represent at least 9 cubic feet     Yes, it really does work, or so I'm told, by other
                                                                                                     of hidden storage space, which means they're a         disciples of the 30-Minutes-To-A-Clean-House
never hurt anyone.
(Being caught in the rain because your car              Funny House Cleaning                         great place to shove dirty dishes, dirty clothes, or
                                                                                                     just about anything you want to get out of sight
broke and you don't have bus money                      Tips for New Mothers                         when company's coming.                                 TIP 7: VACUUMING
because you bought another Cappuccino is
                                                  Welcome, ladies and gentlemen, to the first        Tip 3: NIGHT FALL                                      Stick to the middle of the room, which is the
kind of a drag, though…)
                                                  session of Housekeeping Tips for New Mothers. No bed should be without one. Devotees of                   only place people look. Don't bother vacuuming
If you like to paint and your neighbor
                                                  If you're a Martha Stewart type of housekeeper, Martha Stewart believe night falls exist to keep          under furniture. It takes way too long and no one
spends a lot of time in their garden,
                                                  this column is NOT for you. However, for the       dust out from under a bed or to help coordinate        looks there anyway.
exchange chores. Hire the neighbor boy to
                                                  rest of you, this is your chance to learn 8 Secret the colorful look of a bedroom. The rest of us         TIP 8: LIGHTING
mow the grass, not some landscaping
                                                  Shortcuts to Good Housekeeping that your           know a night fall's highest and best use is to hide    The key here is low, low, and lower. It's not only
company! Okay, that was two harsh, but you
                                                  mother never told you.                             whatever you've managed to shove under the bed.        romantic, but bad lighting can hide a multitude
get the idea.
                                                   TAKE NOTE: This is only a joke and are not        TIP 4: DUSTING                                         of dirt.
                                                  advisable in real life use.