“Home Management (Part Two)”
(Key Text – Matthew 6:33)
- Most divorces can be traced to clashes over finances.
- Managing Finances in a marriage requires getting priorities straight (Matthew 6:24, 33).
- “Wants” must not be confused with “Needs”. The Basic “Needs” are food, shelter, clothes and transport.
- Returning a Faithful Tithe sets the tone for keeping priorities straight (Proverbs 3:9).
- If you cannot manage a small income, then you cannot manage a large one.
- An allowance gives children money to manage for their needs and money to spend for their wants.
- Money is a practical tool to be used in daily living. Learning to use it wisely can help insure a lasting marriage and help your children become Good Managers.
- Financial Success depends on what you do with what you make. This requires a change in attitude.
- The easiest way to stretch your money is to hang on to it as long as you can.
- Before buying anything, ask yourself the following five questions:
- Do I really need it or can I get along without it?
- How often will I use it?
- How durable is it?
- How much care (maintenance) does it require?
- Can I choose something else that will serve the same purpose?
- There are five basic rules for Smart Shopping:
- Never expect to buy something for nothing.
- Be an informed shopper – read labels, warranties, guarantees and compare prices.
- Never go shopping anywhere without a shopping list.
- Take advantage of clearance sales e.g. after winter and the days after Christmas.
- Buy in bulk if the price is lower and you can use that quantity.
- Avoid the five major Money Pitfalls (Hebrews 13:5):
- Impulse Spending
- Excessive Credit Buying
- Insufficient Savings
- Living on the Wrong Income Level
- Depending too much on the Second Income or Overtime
- Many times Christmas pushes over the cliff families who are tottering on the brink of bankruptcy. Christmas Spending must be made within the limits of money you can afford.
- A marriage motivated by an attitude of Thriftiness will have few troubles with finances.
- Make your Shopping List based on Planned Menus.
- Avoid Impulse Buying and never shop for groceries when you are hungry!
- Check Prices and Ingredients carefully.
- Ingredients are listed in order of Volume in the Product. For example, if sugar is listed first … then it means there is more sugar than other ingredients in the product.
- With regard to Food Storage, “store what you eat and eat what you store”.
- Avoid foods that cost too much money but give you little nutrition. For example, refuse to buy all cereals high in sugar and low in food value.
- Nutrition must be given top priority, regardless of how healthy you are.
- With regard to vegetables, the following is a reliable Rule of Thumb:
- Canned (least desirable)
- The following are some general guidelines for improving eating habits: Eat more Whole Grains, Fresh Vegetables, Legumes and Fruits. Cut down on Meat, Sugar, Salt and Refined Foods.
- The usable protein in food depends on the presence of Amino Acids. If all eight of the essential Amino Acids are present, the food is a complete protein.
- Protein in Grains is not complete, but with the combining of different vegetable proteins (such as Legumes, Nuts or Seeds), the usability of incomplete proteins can be improved.
- What Good Nutrition really boils down to is getting back to basics: Eating a well balanced diet. Moderation is the key!
Presented by: A. Ndlebe Date: 26 May 2012