This Sunday I made, according to the app, 700 days of learning Chinese on Duolingo. It is actually a longer time, since I broke my streak back then. It’s fun to watch progress, albeit slow. I have always found language learning extremely difficult, and there is no rhyme or reason for my interest in it.
I guess I just want to connect with people.
Yesterday I went to the lake with a young woman from Turkmenistan. I said to her, “Your name means ‘beautiful,'”
She just lit up! She was literally thrilled, and we made an instant connection.
Knowing someone’s language is almost magical. I have found that even with my extremely poor language skills I can connect with people worldwide.
Yesterday I finished the Old Testament. I have been reading five chapters a day since January 1.
This is also a milestone, since the New Testament is relatively short! Here it is, mid-June, and I am finished with the largest part of the Bible.
I have already decided to study Isaiah more in-depth after I finish the New Testament.
Isaiah is just one of those books where you must spend time.
It was a beautiful day yesterday, although very hot. Today the temperature has dropped again to pleasant Minnesota summer. My air conditioning hasn’t been working for a few years now, so it’s on the list to replace, along with the furnace.
I used the old trick of shutting up the house early in the morning, closing windows and curtains. There is always a marked difference in temperature between inside and outside on very hot days.
I also have fans. Thankful for them.
I’m feeling the “mom-vibes” this morning, wanting to nurture and teach my little ones.
My little ones are now adults, but I still hope they listen to their parent, listen to their grandparents, too.
In my own home repair trials I have been thinking about financial wisdom. Several years ago I gave my Saturday mornings to “Primerica,” learning an industry that I never really had any interest in.
(I also earned most of my Master’s degree in a subject I had no interest in: Public Administration!)
I’m not good at languages, either,……
There is a theme here. I tend to try to learn about stuff I don’t know anything about!
I do know something about living frugally. I’ve unlocked the secrets.
I will share the secrets to financial freedom with you.
(Not necessarily in order of importance unless indicated!)
Don’t smoke.
Don’t consume or purchase alcohol.
Don’t use illegal drugs.
(duh)
Chip away at your debt before you indulge in anything. (It will be surprisingly quick to cancel your debt)
Pay your tithes and offerings religiously.
Car payments? Double them. Put one in the bank for the next car. Don’t buy your next car on a plan. Purchase it outright.
Mortgages. Refinance as necessary to lock in low interest. Pay off your home ASAP.
Stacking. Once a debt is paid off, stack that next payment onto one of your other debts. Don’t allow yourself to splurge. Your debt will quickly disappear.
Have an emergency fund. You never know when something vital to your lifestyle breaks down and needs emergency repair.
Life insurance: cover your debts and your funeral expenses. What are you worth to the ones who need you? It’s worth it.
Health insurance. It’s worth it. Especially if you get cancer.
Car/Home insurance. Just get it. It’s required.
Always pay off your credit cards. Every month.
Coffee. It’s a $4,000/year habit that you didn’t realize. Buy it at the gas station. Make it at home. Splurge once a week, or even once a month. I buy my Caribou about 6 times a year. Only.
Have an entertainment fund. Put it in an envelope. This envelope system is magical. It can work for your whole life, encouraging budgeting and discipline. I find it most helpful in paying for fun things. When the money is gone the fun ends. The expensive fun ends. You will become more creative, too.
Living expenses: shop thrift stores, budget grocery, limit your eating out or pre-processed foods. Learn to bake with real (cheap) flour or rice. Join a fruit and vegetable co-op. Buy your meat (grass fed!) bulk. Investing in a freezer and bulk meat saves in the long run and prevents splurge purchases of expensive protein at the grocery store.
I admit I have so much grass fed beef liver in my freezer that I could get through the seven year tribulation. I strongly dislike liver. (I’ve tried everything.)
Dairy products seem to be the one area I must fork over for, at their cost mercy. I don’t have a cow. Eggs are sort of that way for me too. I do not want to keep chickens, even if I live on an acreage. I know several folk that do keep them, including my daughter, so if they are fresh I can find wonderful eggs.
There are some things you just must include in your budget.
Canned food is generally cheaper than fresh and it is useful as its shelf life is flexible. A belly that needs to be filled doesn’t necessarily need gourmet or organic. It depends.
Buy cheap. Buy clearance. Buy sales. Summer sidewalk sales were my lifesaver as a mom of 3 very young children and a husband in college, only working part-time. We qualified for welfare in Iowa those days.
I fed and clothed my family, thanks to my husband, his family, and, of course, the Lord. We managed!
We did not need to accept welfare. God took care of our needs.
Don’t work on Sundays if at all possible. (I know that our emergency services must, first responders, soldiers, medical staff, etc.) Avoid being scheduled on the Lord’s Day.
I’m becoming more, and really always have been, convinced that God is serious about the 4th commandment. Do your part in helping others to keep the Sabbath holy too. Don’t shop on the day of rest. Eat at home. Blue laws were good for the country. God honored them, I believe.
Fix the car you have until it truly “dies.” Drive it to the car graveyard if possible. Don’t be tempted to drive the latest Greatest. Cars are notoriously money-drains. If you can keep yours until it can’t run anymore you have actually gotten your money’s worth.
Lately it is cheaper to repair a vehicle than purchase a new one.
Appliances are lasting only around five years now. If you have one of those 1970’s models that is still functioning don’t be quick to “upgrade.” Fix it one more time.
I had to spend thousands of dollars getting my basement water-proofed. It involved major repair work to the plumbing and foundation of my home. I think it was worth it because my basement is DRY! Thank the LORD! The process involved a new floor drain, new softener system, new drain pipes, tiling, sump pump, and septic hook-up. I also had the front of the house re-landscaped with drainage in mind. Gutters. New roof. Everything I did was in hopes of getting a dry house.
Now I still need to tear out the moldy wood floor. I haven’t found someone to help with that yet. I still have a few little plumbing jobs that need fixing. I see the light at the end of the home repair tunnel, though. I’m grateful.
Now my septic system is in need of repair, so I will look forward to that problem being solved before long.
In the meantime life happens. Downsizing continues. Things come together and I strive to get my house in order.
Saving money and living frugally is sort of an experimental equation. Establishing the rules of discipline and clean living will only benefit! Bad habits cost. Big time.
“FOLLOW ME FOR MORE TIPS!”
Ha ha. ha ha.!
Actually, I do know something about this. I’m not just spouting nonsense. I’ve lived my own advice. I’m telling the truth.
God has taken care of this little widow. I continue to trust Him.
I anticipate all these problems to be GONE when Jesus comes to get us in the Rapture. The Bridal Feast awaits!
MARANATHA!