Last month, my pipes froze and burst. I had a heart attack when I received a water bill for $869.02. It's usually less than $40. Sometimes I think God wants to keep me poor. I'm praying He will lead me out of this mess. I am trying to look at this as a situation to help me grow in faith.
SO FAR 51.95
$60 phone (Feb & Mar)
$20 gym (Feb & Mar)
$100 rent (Feb & Mar)
$189.99 reimbursement
$25 free meals
$11 flower show sale
=$539.39
10%=$53.94
+$51.95
=$105.89
-$70 World Vision (Feb & Mar)
=$35.89
-$80 missionary support (Feb & Mar)
=(44.11)
Sunday, March 9, 2014
Sunday, January 26, 2014
Blessings:Student Loans
For some reason, my student loan payments went down this month. I don't know why. I'm on the income-based repayment program. Why did they re-calculate my payment? I started paying for my car insurance this month. Is that why God's giving me a break? Even though I've been doing this for over two years now, Im still amazed when things like this happen.
SO FAR $49.80
$21.52 Amazon
10%=$2.15
+$49.80
=$51.95
SO FAR $49.80
$21.52 Amazon
10%=$2.15
+$49.80
=$51.95
Sunday, January 19, 2014
Blessings
I've been very happy in Jesus this week. I'm grateful because I think I found a service corps through which my student loans can be paid off. It's one of the things I've been dreaming about. No more student loans! I am never acquiring debt ever again- no student loans, no auto loans, no mortgage.
SO FAR:$26.54
$50 gift card
$182.55 clothing sale
=$232.55
10%=$23.26
+$26.54
=$49.80
SO FAR:$26.54
$50 gift card
$182.55 clothing sale
=$232.55
10%=$23.26
+$26.54
=$49.80
Sunday, January 12, 2014
Blessings and a Missed Opportunity
I missed an opportunity this week. My dad was talking about his view of the tithe which is" something that you do when you make a lot of money" and is not applicable to our family. I think he and my mom together make $80,000 or at most $90,000. Now that they only have one child living with them, I would say that's a very nice income. I think I made about $34,000 last year and I gave between 16-17%. I really wanted to say hat to him. However, my parents pay for my phone bill and my car insurance. If my dad knew how much money I give to charity when he still pays some of my bills, he would've been furious.
So, upset about this missed opportunity, I told my dad that I would start paying what I can for the car insurance. It'll have to come out of the money I was saving every month. I think I'll reduce my giving back down to 10% until I can pay for both car and my phone. Then I'll work on increasing my giving again. I'm going to stop tithing on my insurance benefits and my sick/holiday/vacation pay. Out of the extra blessings, I'll subtract my missionary support and my child sponsorship. I know I'll still have money "left over," maybe $25-50 monthly. I still want to give to Orphan's Tear. I want to see God's miraculous provision in my life. I actually have less financial stress when i live this way.
I'm disappointed that I can't aim for giving 20% of my gross income this year, but I think this will be a better testimony to my parents.
SO FAR: $29.86
$10 bag check
$23.42 cashback
$200 trans
$133.40 bills
=$366.82
10%=36.68
+$29.86
=$66.54
-$40 missionary support
=$26.54
So, upset about this missed opportunity, I told my dad that I would start paying what I can for the car insurance. It'll have to come out of the money I was saving every month. I think I'll reduce my giving back down to 10% until I can pay for both car and my phone. Then I'll work on increasing my giving again. I'm going to stop tithing on my insurance benefits and my sick/holiday/vacation pay. Out of the extra blessings, I'll subtract my missionary support and my child sponsorship. I know I'll still have money "left over," maybe $25-50 monthly. I still want to give to Orphan's Tear. I want to see God's miraculous provision in my life. I actually have less financial stress when i live this way.
I'm disappointed that I can't aim for giving 20% of my gross income this year, but I think this will be a better testimony to my parents.
SO FAR: $29.86
$10 bag check
$23.42 cashback
$200 trans
$133.40 bills
=$366.82
10%=36.68
+$29.86
=$66.54
-$40 missionary support
=$26.54
Sunday, January 5, 2014
2013 In Review
In 2013, I managed to give 16-17% of my income (gross). My goal for the year was 15%. I'm shocked that I was able to give that much. According to my calculations, God provided me with an extra $12,600 in blessings (gifts, extra income, grocery saving, rebates, etc) last year.
I think in 2014, my goal is to give 20%. I'm going to tithe on vacation/sick/personal/holiday pay. I think that should be enough to push it up to 20%.
Here's a rough estimate of my 2013 stats:
Earned $34,000 (gross)
Gave $6,000
Saved $3,000
Concerns for 2014:
I'm on income-based repayment plan for my loans. I have a feeling my monthly payment will go up this year. I also want to start paying for my own car insurance. Technically, I have room for that sine I save $250/month but it'll really eat into my savings. I'm not saving as much as I want to as it is.
SO FAR: $6.42
$50 rent
$10 gym
$390.38 vacation pay
$30 phone
$4 Amazon
$100 car ins
=$584.38
10%=$58.44
+$6.42
=$64.86
-$35 World Vision child sponsorship
=$29.86
I think in 2014, my goal is to give 20%. I'm going to tithe on vacation/sick/personal/holiday pay. I think that should be enough to push it up to 20%.
Here's a rough estimate of my 2013 stats:
Earned $34,000 (gross)
Gave $6,000
Saved $3,000
Concerns for 2014:
I'm on income-based repayment plan for my loans. I have a feeling my monthly payment will go up this year. I also want to start paying for my own car insurance. Technically, I have room for that sine I save $250/month but it'll really eat into my savings. I'm not saving as much as I want to as it is.
SO FAR: $6.42
$50 rent
$10 gym
$390.38 vacation pay
$30 phone
$4 Amazon
$100 car ins
=$584.38
10%=$58.44
+$6.42
=$64.86
-$35 World Vision child sponsorship
=$29.86
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