Since 2004, our family has kept a Thanksgiving journal. Each of us goes around and tells what we are thankful for after our Thanksgiving meal while one of us records our responses in a journal. If we have company, we invite them to join us in being thankful. Last year, we read through our Thanksgiving journal, going back several years. When we read through mine, I had said that I was thankful "for a car that works" every year. We thought that was hilarious. I worded it the exact same way every time. I was also thankful for chocolate and coffee, my husband and boys. No surprises there.
Our boys have been thankful for things like "dry diapers" (when my youngest was 2 we filled in what we thought he would be thankful for!), Sunday School teachers, friends, Legos, a fish named Redeye, Mommy's yeast rolls, candy, Jesus dying on the cross and rising again, penguins, cute little puppy dogs, clean water, and "losing my teeth."
What are you thankful for this year?
Showing posts with label Stewardship. Show all posts
Showing posts with label Stewardship. Show all posts
Monday, November 19, 2012
Thursday, November 15, 2012
How to Save Money at the Grocery Store
I've had people ask me how I save money by using coupons. There are a million sites on how to use coupons, but I am going to attempt to explain my personal system. It's not that hard, but it takes practice.
First, you need to know a few things.
1. Know how much stuff costs. You can't know if something is a good deal if you don't know what it normally costs. Years ago, I made a notebook of what our most common purchases cost at different stores. Now, it's all in my head.
2. Shop loss leaders. Now that you know what things cost, you know what a good deal is. Almost every grocery store flier has items that are loss leaders. Loss leaders are items sold at cost or below cost to get you in the store, hoping to suck you into buying lots of other things.
3. Stock up when things go on sale. Don't buy things you don't need, and pay attention to expiration dates. When things you use a lot go on sale for really cheap, stock up. Don't go all "extreme couponing," but buy enough to last you a while. For example, I always keep 2 laundry detergents. When one gets low, I start looking for sales on another. This past week, All detergent was $2.99, and I had a coupon for "buy 2 get $1.00 off," so I got two. I never ever pay full price for something like detergent, deodorant, soap, or toothpaste.
4. Know when things go on sale. Baking supplies, cream soups, canned soups, broth, etc. go on sale from November until Christmas. Hot dogs, condiments, etc. go on sale around Memorial Day, the 4th of July, and Labor Day. Here in Texas, we have items such as Spam that go on sale at the start of hurricane season.
5. Meal plan around sales.
6. Buy the Sunday paper with the coupons. I have it delivered at my home for $1 a week.
7. Sign up your Kroger card online. They will send you their coupons in the mail, or coupons to your e-mail box. Yesterday, I got a "digital" coupon offer in my box for buy $5 off produce, get $2 off.
This is what I did Monday, November 5th. I find that Kroger has the best overall prices and deals, so I mainly shop there.
1. I looked at Kroger's sales flier and circled all items that were a great deal. They were having a "buy 10 participating items, save $5 at the checkout" sale.
2. I went to couponmom.com, logged in, clicked on "Grocery Deals by State," clicked on the Kroger icon, and clicked "Texas Deals" on the right. Current Kroger Deals popped up. I clicked on the left hand side anything that looks like a good deal and that we use. Then at the bottom, click "Display Selected Deals." Print. I also took the time to print out any online coupons that were listed.
3. I went to Kroger's website and loaded some of their digital coupons onto my card. Didn't use them.
4. Coupon clipping. I used my deals from couponmom.com to find the coupons in my coupon fliers/booklets. I write the date on the front of each coupon flier. Then I use the "code" on the side of the couponmom.com print-out to find the coupon I need -- rather than cut out all the coupons. So, the couponmom.com print-out looks like this:
The coupon I need for the DiGiorno Pizza is in the 10-28 packet of Red Plum coupons. I get that packet of coupons out of my folder, find the Digiorno coupon, and clip it. You'll also get SmartSource and other coupons. (I do not have time to cut out and organize every coupon. This way works for me.)
5. I went through coupons I got from Kroger in the mail and pulled out ones I could use. They usually send ones that correspond with the sales.
All this took me about 40 minutes. I took my list and my youngest son and headed to the store. As I purchased items from the "Buy 10 get $5 off" sale, I put a tally mark on my list. I bought 60 of those items. I spent $94.61. I saved $86.57 or 47%. I only used $8.30 in manufacturers coupons -- mostly I took advantage of the loss leaders in the Kroger flier. Campbells cream of Mushroom and chicken are on sale for 50 cents. I use this a lot so I bought 10. Land O' Lakes butter was $1.99 -- I bought 4. I got a free tube of toothpaste and a free toothbrush. I put those in our Operation Christmas Child shoebox gifts.
This will take you longer than 40 minutes to start out, but it gets easier. I think 40 minutes of work to save $86 is not so bad!
First, you need to know a few things.
1. Know how much stuff costs. You can't know if something is a good deal if you don't know what it normally costs. Years ago, I made a notebook of what our most common purchases cost at different stores. Now, it's all in my head.
2. Shop loss leaders. Now that you know what things cost, you know what a good deal is. Almost every grocery store flier has items that are loss leaders. Loss leaders are items sold at cost or below cost to get you in the store, hoping to suck you into buying lots of other things.
3. Stock up when things go on sale. Don't buy things you don't need, and pay attention to expiration dates. When things you use a lot go on sale for really cheap, stock up. Don't go all "extreme couponing," but buy enough to last you a while. For example, I always keep 2 laundry detergents. When one gets low, I start looking for sales on another. This past week, All detergent was $2.99, and I had a coupon for "buy 2 get $1.00 off," so I got two. I never ever pay full price for something like detergent, deodorant, soap, or toothpaste.
4. Know when things go on sale. Baking supplies, cream soups, canned soups, broth, etc. go on sale from November until Christmas. Hot dogs, condiments, etc. go on sale around Memorial Day, the 4th of July, and Labor Day. Here in Texas, we have items such as Spam that go on sale at the start of hurricane season.
5. Meal plan around sales.
6. Buy the Sunday paper with the coupons. I have it delivered at my home for $1 a week.
7. Sign up your Kroger card online. They will send you their coupons in the mail, or coupons to your e-mail box. Yesterday, I got a "digital" coupon offer in my box for buy $5 off produce, get $2 off.
This is what I did Monday, November 5th. I find that Kroger has the best overall prices and deals, so I mainly shop there.
1. I looked at Kroger's sales flier and circled all items that were a great deal. They were having a "buy 10 participating items, save $5 at the checkout" sale.
2. I went to couponmom.com, logged in, clicked on "Grocery Deals by State," clicked on the Kroger icon, and clicked "Texas Deals" on the right. Current Kroger Deals popped up. I clicked on the left hand side anything that looks like a good deal and that we use. Then at the bottom, click "Display Selected Deals." Print. I also took the time to print out any online coupons that were listed.
3. I went to Kroger's website and loaded some of their digital coupons onto my card. Didn't use them.
4. Coupon clipping. I used my deals from couponmom.com to find the coupons in my coupon fliers/booklets. I write the date on the front of each coupon flier. Then I use the "code" on the side of the couponmom.com print-out to find the coupon I need -- rather than cut out all the coupons. So, the couponmom.com print-out looks like this:
| 10-28 RP | DiGiorno Pizza 12.6-34.2 oz
Qualifies for Buy 10 Get $5 Off at checkout, final price after promo savings
| $1.00 | 2 | $4.77 | $4.27 | 29% |
The coupon I need for the DiGiorno Pizza is in the 10-28 packet of Red Plum coupons. I get that packet of coupons out of my folder, find the Digiorno coupon, and clip it. You'll also get SmartSource and other coupons. (I do not have time to cut out and organize every coupon. This way works for me.)
5. I went through coupons I got from Kroger in the mail and pulled out ones I could use. They usually send ones that correspond with the sales.
All this took me about 40 minutes. I took my list and my youngest son and headed to the store. As I purchased items from the "Buy 10 get $5 off" sale, I put a tally mark on my list. I bought 60 of those items. I spent $94.61. I saved $86.57 or 47%. I only used $8.30 in manufacturers coupons -- mostly I took advantage of the loss leaders in the Kroger flier. Campbells cream of Mushroom and chicken are on sale for 50 cents. I use this a lot so I bought 10. Land O' Lakes butter was $1.99 -- I bought 4. I got a free tube of toothpaste and a free toothbrush. I put those in our Operation Christmas Child shoebox gifts.
This will take you longer than 40 minutes to start out, but it gets easier. I think 40 minutes of work to save $86 is not so bad!
Tuesday, November 13, 2012
Waging a War Against a False Sense of Entitlement
Our society lives and breathes a false sense of entitlement. It's false because it's not true. It goes something like this: I want it so I deserve it and someone will get it for me. No need to earn it. No need to work hard. No need to wait on the Lord. So how do we fight against a false sense of entitlement?
1. Don't make it so easy.
I remember when the Atari came out. Oh my goodness! We thought that was the coolest thing ever. My three sisters and I wanted one. We wanted one bad. My dad got one of those cans with the plastic lid, cut a hole in the top of the plastic lid to make it look like a bank, and told us that we could buy it when we'd saved up for it. We saved and saved and saved and saved. I can't remember exactly the cost, but I remember it took us about a year to save up the money. Then we bought it, and we loved it. I played Pac-Man until I had a blister on the inside of my thumb from the joystick. The Atari was the greatest invention ever.
A few years ago, my boys wanted a Wii. My husband got one of those cans with the plastic lid, cut a hole in the top of the plastic lid to make it look like a bank, and told them that we could buy it when we'd saved up for it. (Yep, he knew the Atari-story.) It took us about nine months, and the day we bought it, the boys were so happy. The waiting and the family effort of working and saving for something was fun and taught the boys the discipline of saving for something they wanted, even if it took a really long time.
The point of this long story: Don't make it so easy for your kids to have all those things they really, really want. There is something good about saving and waiting -- and waiting and waiting.
2. Don't be afraid to say no.
Sometimes your kids don't need that stuff at all. They don't have to go to every activity. They are not entitled to play computer games all day. Say no.
3. Make them do chores.
Teach your children to do chores because they are members of your family. Things need to be done, and they need to help.
4. Don't make excuses for their bad behavior.
Adam said it was Eve's fault. Eve said it was the snake's fault. Since the beginning of history, humans do not want to take responsibility for their bad behavior. Don't enable that.
5. Don't bail them out all the time.
Sometimes they will make mistakes that cost time, energy, and grades. Don't bail them out all the time. It's ok to fail. Painful for the parent, but ok.
6. Teach them the value of money.
When young, teach them the value of money in terms they will understand. "I can buy three bags of Kroger brand of pretzels or one of this brand for the same amount of money. Which is a better deal?" Last week, I took my youngest to the grocery store and he wanted some Little Debbie's Christmas cakes that were on sale for 3 for $5. The Christmas tree shapes had 5 in the package. The same cakes in a six-sided shape had 10 in a package. He went with the 10 after I pointed out he could get way more for the same amount of money!
When they are older, make them save up for stuff they want -- even if it takes a long time. I am surprised by the number of teenagers who have no concept of what things cost.
7. Get over the guilt.
Who cares if everyone else is doing it or that everyone else has one. You need to stand firm and be the parent. It's ok. They will not die if they don't get everything they want. It's good for them. Don't feel guilty.
8. Encourage ministry to those less fortunate.
Do an Operation Christmas Child shoebox every Christmas. Help a needy family through your church. Take them to a food pantry or a soup kitchen to volunteer. Help them see that they are truly blessed.
So what do you want your kids to learn about money and stuff. Think through what you want them to know and believe, remembering that a sense of entitlement can strangle the Holy Spirit. Then go from there. We know stuff doesn't make us happy and true happiness comes from trusting in God -- let's live that out and train our kids to do the same.
For more:
Entitlement -- Strangling the Holy Spirit
Entitlement Vs. Waiting on and Trusting in the Lord
1. Don't make it so easy.
I remember when the Atari came out. Oh my goodness! We thought that was the coolest thing ever. My three sisters and I wanted one. We wanted one bad. My dad got one of those cans with the plastic lid, cut a hole in the top of the plastic lid to make it look like a bank, and told us that we could buy it when we'd saved up for it. We saved and saved and saved and saved. I can't remember exactly the cost, but I remember it took us about a year to save up the money. Then we bought it, and we loved it. I played Pac-Man until I had a blister on the inside of my thumb from the joystick. The Atari was the greatest invention ever.
A few years ago, my boys wanted a Wii. My husband got one of those cans with the plastic lid, cut a hole in the top of the plastic lid to make it look like a bank, and told them that we could buy it when we'd saved up for it. (Yep, he knew the Atari-story.) It took us about nine months, and the day we bought it, the boys were so happy. The waiting and the family effort of working and saving for something was fun and taught the boys the discipline of saving for something they wanted, even if it took a really long time.
The point of this long story: Don't make it so easy for your kids to have all those things they really, really want. There is something good about saving and waiting -- and waiting and waiting.
2. Don't be afraid to say no.
Sometimes your kids don't need that stuff at all. They don't have to go to every activity. They are not entitled to play computer games all day. Say no.
3. Make them do chores.
Teach your children to do chores because they are members of your family. Things need to be done, and they need to help.
4. Don't make excuses for their bad behavior.
Adam said it was Eve's fault. Eve said it was the snake's fault. Since the beginning of history, humans do not want to take responsibility for their bad behavior. Don't enable that.
5. Don't bail them out all the time.
Sometimes they will make mistakes that cost time, energy, and grades. Don't bail them out all the time. It's ok to fail. Painful for the parent, but ok.
6. Teach them the value of money.
When young, teach them the value of money in terms they will understand. "I can buy three bags of Kroger brand of pretzels or one of this brand for the same amount of money. Which is a better deal?" Last week, I took my youngest to the grocery store and he wanted some Little Debbie's Christmas cakes that were on sale for 3 for $5. The Christmas tree shapes had 5 in the package. The same cakes in a six-sided shape had 10 in a package. He went with the 10 after I pointed out he could get way more for the same amount of money!
When they are older, make them save up for stuff they want -- even if it takes a long time. I am surprised by the number of teenagers who have no concept of what things cost.
7. Get over the guilt.
Who cares if everyone else is doing it or that everyone else has one. You need to stand firm and be the parent. It's ok. They will not die if they don't get everything they want. It's good for them. Don't feel guilty.
8. Encourage ministry to those less fortunate.
Do an Operation Christmas Child shoebox every Christmas. Help a needy family through your church. Take them to a food pantry or a soup kitchen to volunteer. Help them see that they are truly blessed.
So what do you want your kids to learn about money and stuff. Think through what you want them to know and believe, remembering that a sense of entitlement can strangle the Holy Spirit. Then go from there. We know stuff doesn't make us happy and true happiness comes from trusting in God -- let's live that out and train our kids to do the same.
For more:
Entitlement -- Strangling the Holy Spirit
Entitlement Vs. Waiting on and Trusting in the Lord
Saturday, November 10, 2012
Entitlement vs. Waiting On and Trusting in the Lord
Entitlement: belief that one is deserving of or entitled to certain privileges
For a few months now, the subject of entitlement has been wandering around slowly in my head. The subject keeps making appearances in my psyche, and I've been trying to put my random thoughts into some sort of order. On Sunday, I heard Joanne Kraft discuss entitlement and how the attitude robs our children and strangles the Holy Spirit. I keep turning this over in my mind, and it seems to me that entitlement seems to go hand-in-hand with not wanting to wait and a lack of trust.
I ended my last blog post by saying, "it seems, the enemy has done more to harm us through this suburban-lifestyle-entitlement-stuff than we can imagine. I'm pondering all this, but I think it has to do with waiting. Waiting for stuff. Waiting on the Lord. Waiting."
We are always in a hurry, but entitlement is the "belief that one is deserving of or entitled to certain privileges" -- not only that we are entitled to privileges and things, but we are entitled to them now, not later. We expect what we want when we want it. I think texting and e-mailing and googling has added fuel to this fire of needing, wanting, demanding everything now and fast. It used to be that if someone called you and you called back in a day or two, that was ok. Now, we're like, "She didn't call me back for 2 days!" We expect that we will get a text response immediately, or we're being ignored. We expect stuff now. Right now. Life seems urgent, hurried.
I was going to say that this attitude of entitlement is a kid-thing, but I think it's a people-thing. No one wants to wait anymore for anything ever. How does entitlement strangle the Holy Spirit?
God doesn't work on our time table. He's not in a hurry. The more time goes on and technology makes life "easier," the harder it is to wait for anything, and waiting on the Lord and His timing becomes harder and harder and harder. I think, when we don't have time to wait, we don't have time to trust, and then we strangle the Holy Spirit because He doesn't work as fast as we want Him to. He's not fast enough, and we try to speed things up and get ourselves in all sorts of trouble.
Therefore, when God isn't fast enough, we lose trust. If we believe we are entitled to things when we want them, then we get angry at God if we don't get them when we are ready to have them. We don't trust that He knows what He is doing and that waiting might be good for us -- or that thing or job or relationship might not be what we really need at all. Eventually, the entitlement attitude in our kids will translate to a lack of trust in the Lord as they become adults.
So maybe a lesson we need to teach our children in this society is how to wait. How to slow down. Maybe we all need to practice waiting.
Noah waited for rain while people mocked him every day.
Abraham waited for his son, Isaac.
David waited to be king on God's timetable while Saul tried to kill him over and over.
Jesus waited to begin His ministry until 30 years old.
Paul was prohibited to preach the word in Asia even though he really wanted to.
Isaiah 40:31 but they who wait for the LORD shall renew their strength; they shall mount up with wings like eagles; they shall run and not be weary; they shall walk and not faint.
How do we teach our kids to wait? How do we teach them to trust in the Lord NOW for the little things so they are not afraid of waiting for big things later?
More later.
Monday, November 5, 2012
Entitlement -- Strangling the Holy Spirit
Entitlement: belief that one is deserving of or entitled to certain privileges
Last night, I was listening to Family Life on the radio, and I heard an interview with Joanne Kraft about her book Just Too Busy: Taking Your Family on a Radical Sabbatical. The book sounds interesting, but what caught my attention was a short tangent from discussing the book.
Some friends of the family asked her son if he could come to Australia and be a jackeroo on their 3,000 acre sheep ranch. The son figured he needed $1200 to go and asked his dad to pay. His dad responded, “You know what, son, I can pay for that, but I’m not going to pay for that. That’s between you and the Lord.” The son was shocked and replied, “But Dad, I’m only 15! How am I going to earn money to go?” Well, with hard work and faith that God could provide, her son earned the money for the trip. At the end of the story, Joanne Kraft said this:
"I tell this story, when I share with parents at conferences or at women’s conferences, about entitlement and how we are robbing from our children....We’re stealing opportunities. We’re really strangling the Holy Spirit. How do we expect to raise independent, God-honoring, hard-working children if we don’t allow them those opportunities? We can’t expect our kids to want to lean on God if they’re not doing it now....We do, we steal from our kids."
Stealing from our kids.
I've been tossing the idea of entitlement around in my head for a couple of weeks now. I've heard parents tell stories of kids who beg for a toy and then play with it for a day and then they're done. I've heard parents say they are afraid to say no to their teenagers. I've heard of teenagers who have no idea how much their car insurance costs their parents. In my gut, it seems that all this is unhealthy, bad for our kids like eating too much candy or drinking too much soda, but it's much worse than I thought.
Strangling the Holy Spirit.
Beyond fostering ingratitude and unhealthy attitudes about stuff and life and work and responsibility, we are "strangling the Holy Spirit" when we give in to and encourage, however indirectly and unintentionally, attitudes of entitlement in our children.
Interesting. So, it seems, the enemy has done more to harm us through this suburban-lifestyle-entitlement-stuff than we can imagine. I'm pondering all this, but I think it has to do with waiting. Waiting for stuff. Waiting on the Lord. Waiting.
More later.
Monday, October 29, 2012
Perspective: FWPs -- First World Problems
Last week, I went to Sam's Club and bought about 10 pounds of ground beef. I made 8 hamburger patties and decided to brown, season, and freeze the rest. As I was trying to brown, oh about 6 pounds of ground beef in a big ole pot, I was getting increasingly frustrated. I had put too much in, it was hard to stir, I was burning the bottom and not getting the top cooked at all, and I began to mumble to myself something that sounded like this, "Dadgummit. Why won't this stuff ... ahh... that hurt. Man, this is frustrating. Arggg. This is taking forever!" And then it hit me: I am standing here grumbling about browning meat to freeze for my family to eat over the next few weeks when there are people in the world who do not have food to eat at all.
First World Problem.
A few weeks prior, my cell phone time kept getting mixed up on my text messages so they were all jumbled up and I could NOT for the life of me follow a conversation. My husband texted: "FWP."
First World Problem.
I can't figure out what to wear. First World Problem.
I need to exercise more. First World Problem.
My grass is dying. First World Problem.
My computer is so old. First World Problem.
Where should we go out to eat?. First World Problem.
Gas is so expensive. First World Problem.
I really need a pedicure, but I'm too busy. First World Problem.
We are out of garlic bread, and I was going to make spaghetti for dinner. First World Problem.
I am having such a bad hair day. First World Problem.
My health insurance premium is going up. First World Problem.
Oh no! We're out of coffee! Yes, even this is a First World Problem.
A First World country is a country that is developed, industrialized, and well, rich. The opposite would be a Third-World country which is an underdeveloped country marked by poverty. Watch this:
I have a toilet that flushes, a car to drive, clean water to drink, and a refrigerator with food in it. I have more than enough clothes, a roof over my head, and a bed to sleep in. I take my kids to the doctor when they are sick, and I buy them presents for Christmas, their birthdays, Easter, Valentine's Day, and just because. I can read and write, my children are being educated, and my sons get more allowance in a week than a billion people in the world live on in a week. I throw food away. I have electricity. My children do not have to work so we can survive.
First World Problem.
A few weeks prior, my cell phone time kept getting mixed up on my text messages so they were all jumbled up and I could NOT for the life of me follow a conversation. My husband texted: "FWP."
First World Problem.
I can't figure out what to wear. First World Problem.
I need to exercise more. First World Problem.
My grass is dying. First World Problem.
My computer is so old. First World Problem.
Where should we go out to eat?. First World Problem.
Gas is so expensive. First World Problem.
I really need a pedicure, but I'm too busy. First World Problem.
We are out of garlic bread, and I was going to make spaghetti for dinner. First World Problem.
I am having such a bad hair day. First World Problem.
My health insurance premium is going up. First World Problem.
Oh no! We're out of coffee! Yes, even this is a First World Problem.
A First World country is a country that is developed, industrialized, and well, rich. The opposite would be a Third-World country which is an underdeveloped country marked by poverty. Watch this:
I have a toilet that flushes, a car to drive, clean water to drink, and a refrigerator with food in it. I have more than enough clothes, a roof over my head, and a bed to sleep in. I take my kids to the doctor when they are sick, and I buy them presents for Christmas, their birthdays, Easter, Valentine's Day, and just because. I can read and write, my children are being educated, and my sons get more allowance in a week than a billion people in the world live on in a week. I throw food away. I have electricity. My children do not have to work so we can survive.
I am blessed.
So many in the world are not.
Perspective.
Perspective.
Tuesday, November 15, 2011
Operation Christmas Child -- Learning to Give
Yesterday, my boys, a dear friend, and I went through and checked 58 shoe boxes filled with toys, hygiene items, and school supplies. The boxes, packed with love and prayers by our church's AWANA clubbers, will be shipped all over the world to children who are hurting because of poverty, disease, and war. After returning home, I realized this is our 11th year to participate in this wonderful program. So why do we do this year after year?
1. Spreading the Gospel in a Tangible Way
Operation Christmas Child, a ministry of Samaritan's Purse and headed by Franklin Graham, "is a nondenominational evangelical Christian organization providing spiritual and physical aid to hurting people around the world... The organization serves the Church worldwide to promote the Gospel of the Lord Jesus Christ." I know that my gift will be sent to needy children, but more importantly, they will hear the Gospel. That is important to me.
Izabella, a child recipient who is now an adult, gives a powerful testimony of what these shoe boxes can mean to a child: "When I received my shoebox, that was the moment I understood that this God that I'd been reading about in the Bible is a truly personal God who cares about each and every one of us." To see and hear Izabella's story, click here.
In many cases, children have the opportunity to take a discipleship course after receiving an Operation Christmas Child shoebox.
2. Teaching Your Children How Blessed They Are
Every year, this is a reminder to my children of their many blessings. I remind them that this gift that we are packing may be the only gift this child receives for Christmas, maybe even this year.
3. Teaching Your Children How to Give
After realizing how blessed we are, it's time to act -- it's time to give. Even young children can learn how to give -- and to give sacrificially.
When my oldest was 2 and a half, he packed his first shoe box. We went to Wal-Mart and picked out lots of fun toys-- Hot Wheels, bouncy balls, a small Magna Doodle. When we arrived home, my toddler decided he did not want to give up those toys. He readily "gave up" the toothbrush, soap, and washcloth, but the toys were going to stay with him. This was a wonderful opportunity to talk with him about giving, sacrifice, God's love, blessings, etc.
Eventually, he relented but asked if he could ride on an airplane, find the boy, and play with him. Oh, how I wish he could have!
4. Praying for the Lost
Lastly, packing a shoe box gives us an opportunity to pray specifically for the child who will receive our gift. We pray that this precious child will hear about God's love and know it's true because someone very, very far away was willing to share that love tangibly.So, are you ready to participate, too? It's not too late. Shoe box collection goes until November 21, 2011. For more information on how to fill a shoe box, see here. Drop-off locations are located all over the country. Also, if you pay online, you will receive a tag to tape onto your box that will let you know via e-mail WHERE your box was sent! Last year, our boxes went to children in Mexico!
"Every shoe box offers an opportunity to share
the Good News of the Savior with a hurting child."
-- Franklin Graham, President of Samaritan's Purse
Thursday, October 20, 2011
Stewardship for Kids: The ABC's of Handling Money God's Way
According to Dave Ramsey, God refers to money and stewardship more than 800 times in the Bible. How do we impart Godly wisdom regarding money to our kids?
When my oldest was about seven years old, we read through The ABC's of Handling Money God's Way by Howard and Bev Dayton of Crown Ministries and then began giving him an allowance. This curriculum is meant to be a 12 week study geared to children ages 5-7. However, I am currently doing it with my nine-year-old, and it is working well. You can read and discuss a chapter in ten to fifteen minutes, and the course has a teacher's guide which you can purchase separately.
The book starts with the idea that the Bible is God's word, and He has something to say about money. It then moves on to 1 Chronicles 29:11: "Everything in the heavens and earth is yours, O Lord." The book then discusses stewardship, hard work, tithing, saving, contentment, spending, debt, wise counsel and obedience to parents, honesty, salvation, giving to the poor, and friendship. All this is woven into story form. Elizabeth and her friends want a way to earn money for a puppy, and they turn to her mother for help. Mrs. Day replies, "God loves you. He wants to help you use money in the best way. We will have twelve lessons. In each lesson you will answer some questions. And we will learn a Bible verse" (Dayton 6).
Personally, I suggest doing no more than two lessons per week, consistently going back and revisiting themes and giving the ideas time to "soak" in. For example, it is very counter-cultural to view everything we "own" as really belonging to God. While you're at it, examine yourself. We cannot teach our children to be content, stay out of debt, tithe, or save if we do not do these things ourselves. Personally, I was convicted about how I see things as "mine" because I worked hard or saved up for them.
Rather than the "jar" system that is presented in the book, we set up an "envelope" system. After finishing the book with my then-seven-year-old, we decorated envelopes and started him on a massive allowance of $1.00 per week. For us, the allowance is a tool that we use to train our children in financial stewardship, and for a seven-year-old, $1.00 is easy to break down into percentages: 10% tithes, 20% savings, 10% giving, and 60% spending. I would recommend an amount that would not make saving for things they want "too easy" to achieve. Now at age 12, his break down is: 30% Me, Myself, and I, 10% tithes, 25% pets, 20% bank, and 15% giving, and when he receives money for birthdays or other occasions, he divides up his money as he desires into his categories with tithes being mandatory. As a side note, we do not give any compensation for chores.
The Daytons have written another book for older children called The Secret of Handling Money God's Way for ages 8-12. However, after doing The ABC's of Handling Money God's Way, my oldest latched onto the principles, and we have not needed the second book. At some point, we'll need a stewardship course that delves deeper into the world of credit cards, debit cards, checkbooks, budgeting, etc. -- and when we get there, I'll share it with you.
When my oldest was about seven years old, we read through The ABC's of Handling Money God's Way by Howard and Bev Dayton of Crown Ministries and then began giving him an allowance. This curriculum is meant to be a 12 week study geared to children ages 5-7. However, I am currently doing it with my nine-year-old, and it is working well. You can read and discuss a chapter in ten to fifteen minutes, and the course has a teacher's guide which you can purchase separately.
The book starts with the idea that the Bible is God's word, and He has something to say about money. It then moves on to 1 Chronicles 29:11: "Everything in the heavens and earth is yours, O Lord." The book then discusses stewardship, hard work, tithing, saving, contentment, spending, debt, wise counsel and obedience to parents, honesty, salvation, giving to the poor, and friendship. All this is woven into story form. Elizabeth and her friends want a way to earn money for a puppy, and they turn to her mother for help. Mrs. Day replies, "God loves you. He wants to help you use money in the best way. We will have twelve lessons. In each lesson you will answer some questions. And we will learn a Bible verse" (Dayton 6).
Personally, I suggest doing no more than two lessons per week, consistently going back and revisiting themes and giving the ideas time to "soak" in. For example, it is very counter-cultural to view everything we "own" as really belonging to God. While you're at it, examine yourself. We cannot teach our children to be content, stay out of debt, tithe, or save if we do not do these things ourselves. Personally, I was convicted about how I see things as "mine" because I worked hard or saved up for them.
Rather than the "jar" system that is presented in the book, we set up an "envelope" system. After finishing the book with my then-seven-year-old, we decorated envelopes and started him on a massive allowance of $1.00 per week. For us, the allowance is a tool that we use to train our children in financial stewardship, and for a seven-year-old, $1.00 is easy to break down into percentages: 10% tithes, 20% savings, 10% giving, and 60% spending. I would recommend an amount that would not make saving for things they want "too easy" to achieve. Now at age 12, his break down is: 30% Me, Myself, and I, 10% tithes, 25% pets, 20% bank, and 15% giving, and when he receives money for birthdays or other occasions, he divides up his money as he desires into his categories with tithes being mandatory. As a side note, we do not give any compensation for chores.
The Daytons have written another book for older children called The Secret of Handling Money God's Way for ages 8-12. However, after doing The ABC's of Handling Money God's Way, my oldest latched onto the principles, and we have not needed the second book. At some point, we'll need a stewardship course that delves deeper into the world of credit cards, debit cards, checkbooks, budgeting, etc. -- and when we get there, I'll share it with you.
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