moolah matters

I got a waiver on that 40 dollars late payment charge and 3 dollars interest charge. Phew. I like Citibank's service.

Ever since I started driving, I have been averaging $70 weekly on fuel. Driving is high expense but oh so convenient. I am just thankful I am paying only half of the monthly installment. While I was driving down to town to pick up my siblings, I thought about how the petrol needle will dip even further closer to the empty line by the time I head home (and I just fuelled up on Sunday). But I feel a sense of warmth as I thought about being to spend just that bit of time with the two of them, and somehow, the cost didn't matter. It was even better that I could spend the journey there just praising the Lord in the car. Priceless.

I have always been amazed how I could still managed to save a certain amount almost every month despite my high expenses most of the time. I can testify that thithing has a great part to play in this. Ever since God placed that conviction in my heart to thith 4 years ago, I never looked back, and God has shown that He is a good God. In that way, I have never "lost" money before.

I am that sort who spends within my means, I try to save about a quarter of what I earn monthly and have no qualms about using the rest for one reason or another.Sometimes, I do wish that I can spend below my means though. But I always believe that money is not that important a thing to me, that money is a means to an end.

Whatever we are given is given by God to us to steward wisely, yet more than that, I know that He wants more than anything for us to yield our heart to Him, because in doing that, we naturally would learn how to best steward our resources; our time, our moolah to what is truly important. When we follow the spirit's leading, we will make the wisest of decisions in all that we do. I am not quite there yet.

we learnt about money management about a year plus back when IDT just started. Basically, there are 4 types of spenders. One who spends above their means, one who spends at their means, one who spends within their means and one who spends below their means.

The ones who spend above their means are those who spend more than what they earn, and they are the kind who often get into credit card debts. The ones who spend at their means live by the month, they spend whatever they earn. The ones who spend within their means save some for the rainy day and spend the rest. The ones below their means spend what they need and save the rest for the rainy day. Ideally, we should spend below our means so when the need arises, we will be able to use our savings appropriately.

Okay. I am bored now. Time to blog about something very exciting.
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