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Encouragements on Money from the Bible

Many of us probably have goals for 2018 and, since you’re reading this, I imagine some of them revolve around finances. Pursuing new goals can be difficult, so I wanted to encourage you with what I think is a huge game-changer in our ability to focus on the target and keep momentum.

My friend and I were recently discussing how habits don’t typically stick unless they’re rooted in Godly conviction. I’ve noticed whatever I’m working on must be important enough to internally motivate me and keep me driven when things get tough.

 

So, with this in mind, today is about prayerfully considering God’s Word on how we view resources, seeking to be rooted in Godly conviction.

I plan on sharing practical tips on how to create and follow a budget in the coming weeks, but the goal of this post is to create the underlying motivation before pursuing the tactical suggestions. You might say this is post is about your “why.”

3 Encouragements on Money from the Bible

1. The Ant

“Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest. How long will you lie there, O sluggard? When will you arise from your sleep? A little sleep, a little slumber, a little folding of the hands to rest, and poverty will come upon you like a robber, and want like an armed man.” Proverbs 6:6-11

Ouch. Sluggard? I wouldn’t typically consider myself a “sluggard,” but  this passage recently convicted me in certain areas and habits. My constant struggle is sticking to a workout routine. My goal is very reasonable: exercise daily for 30 minutes. However, too often I make excuses or don’t prioritize my time well.

As I was reading this passage and realizing I do have “sluggard” tendencies, the last part of the passage really sunk in, “A little sleep, a little slumber… and poverty will sneak up on you” (paraphrased). Essentially, little by little I’m not exercising and the long-term result is likely to sneak up on me.

I also think this passage teaches us about delayed gratification and wise planning. In order to hibernate, the ant “prepares her bread in summer and gathers her food in harvest.” Many ant species  hibernate in the winter, storing food and preparing their nest in warmer seasons.  Ants work hard and plan for a reward that isn’t immediate.

Can you relate in the areas of finances or something else? Just like in my exercise example, little by little small choices in our money management can have a huge impact (positive or negative).

In a culture that constantly advertises immediate gratification, I believe we need an internal motivation and conviction to help us “swim upstream” and pursue a different strategy.

2. The Rich Young Man

And behold, a man came up to him, saying, ‘Teacher, what good deed must I do to have eternal life?’… Jesus said to him, ‘If you would be perfect, go, sell what you possess and give to the poor, and you will have treasure in heaven; and come, follow me.’ When the young man heard this he went away sorrowful, for he had great possessions.

“And Jesus said to his disciples, ‘Truly, I say to you, only with difficulty will a rich person enter the kingdom of heaven.  Again I tell you, it is easier for a camel to go through the eye of a needle than for a rich person to enter the kingdom of God.’ When the disciples heard this, they were greatly astonished, saying, ‘Who then can be saved?’  But Jesus looked at them and said, ‘With man this is impossible, but with God all things are possible.’” Matthew 19: 16, 21-26 (I trimmed verses; get full context here)

The rich young man went away sad, unable to give all head had to follow Jesus; I think there’s something here. What if we intentionally pursue a modest lifestyle with the intent that, by God’s grace and strength (Matthew 19:26), we’re ready to go wherever He sends us?

I don’t think this is necessarily the stereotypical thought that God will ask us to give everything away and go to a third world country, though He might. What if it’s paying off debts so we’re prepared to take a pay cut to go where He calls? Or ready to give to someone unexpectedly because we’re not slaves to the lender (Proverbs 22:7)? Or not in a lifestyle that’s hard to give up?

Let’s slow down to consider this before moving on too quickly, thinking we don’t idolize money.

For me, I can idolize money for the perceived security it brings. I’d much rather have tons in savings vs. a nice home or car. I could be perceived as being a good steward and not loving money, when my heart is in the same place as the rich young man in Matthew 19.

Or maybe it’s quick to say, “well, I’m not rich.” Maybe not by our surrounding culture.

3. Laying Up Treasures in Heaven

“Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also.Matthew 6:19-21

Many people practice “Americanism.” Spending money you haven’t earned, to buy things you don’t like, to plese people you dont love.

When was the last time you didn’t know what you would eat, on a regular, recurring basis? When have you not had a roof over your head or shelter? When have you looked around and been surrounded by literal poverty with little hope?

As I referenced above, I idolize money for the perception of security. While I think there’s wisdom in preparing for the future, like the ant, I want to guard against laying up “treasures” on this earth (namely in my bank account). Perhaps for you it’s “treasures” in outward appearance, status, etc. Maybe you’re spending more than you make or is financially wise to “keep up with the Joneses.”

May we each consider how we can build treasures in Heaven rather than “treasures” on earth.

 

How we view and spend money is often deeply rooted in idols of security, status, and being focused on building our kingdom over God’s kingdom.

I hope we can each prayerfully consider these verses and ask God to give us compelling convictions to steward our resources according to His plan and purpose.

If these didn’t resonate with you, do some scripture studying on your own to see what the Bible teaches about money. Ask God to provide Christ-centered wisdom, conviction, and even excitement to pursue what He may lay on your heart.

“No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.” Matthew 6:24

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In the wake of all dawns

This is the post excerpt.

Every new day looks promising. A chance to make the corrections of past wrongs.

It welcomes every soul to life with the encouragement to keep pressing on, towards goals and ambitions, towards pledges and broken promises. to make a new turn and reconsider half baked previous thoughts and most importantly, beseech all souls “don’t give up.”

JUST SO YOU CAN FEEL THE BLESSINGS

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A certain guy walked into a hotel and after perusing through the menu, ordered for some food. After about 20 minutes a group of guys walked in and ordered for their food too.
To the dismay of the guy, these guys got served first. He watched as they began to eat and laugh heartily. He even overheard one of them brag about how he knew everyone at that hotel and how things moved fast for him there. He felt he was being mocked. He contemplated leaving. But he had waited so long. Unable to take it anymore, he called a waiter.
The waiter calmly told him: “yours sir is a special order, being prepared by the chief chef himself. Their orders were prepared hurriedly by students on attachment because the top chefs are busy with yours. That’s why they came first. Please have some juice as you wait”.
He calmed down and waited. Shortly after, his meal was served by 6 waiters.
Unknown to him, the owner of the hotel (who happened to be an old long lost friend of his) had seen him coming and wanted to surprise him and had made changes to his simple meal to make it a five star meal.
The party at the other table were shocked. They couldn’t stop staring. Suddenly they were the ones murmuring, asking why they didn’t get that kind of service and meal.
So it is with this life!! Some people are ahead of you and eating now, laughing at you about how they know people, how they are well connected and how they’re blessed, have money and how they’re enjoying life because of it.
You have been waiting long wondering why its taking so long to get your breakthrough, enduring mockery and humiliation. Maybe you have contemplated suicide, gone through depression or suffered severe mental anxiety.
Do not worry!! The owner of the world has seen you and doesn’t want to give you a simple meal like those laughing at you. You’re waiting long because yours is a special meal. It takes time to prepare. And only chief chefs prepare them.
Take heart today!! Wait for your meal and relax. When it comes that your blessing is right at hand, no one can stop you.
Be blessed.

On my write up about debt management, someone commented with reference to a friend who earns 25k per month but has loans everywhere, one even at 300k. That is serious, because if something miraculous doesn’t change in that young woman’s life she will pay loans into her octogenarian years . . . that is if stress and/or depression do not kick in earlier.

I would be peddling deceit to say I know how she got herself into such murky waters, but something tells me there is an element of what I call The Middle Class Syndrome that 80% of us on this group, myself included, suffer from, only that some have worse effects than others. The Middle Class Syndrome is the feeling of wanting to be, to build and protect an image that in most cases doesn’t exactly exist. It is the elder brother to Peer Pressure.
The problem with this syndrome is that it is an expensive hobby, one that sometimes stagnates people financially.

1) Unwarranted events. Let me start here because I have been a victim, don’t just say ooh, yours truly only talks about the mistakes of others. In 2015 when my son turned 1 (ONE) I threw a mega birthday bash for him. My mom was furious at me, because at the time I was building and in her calculations I had blown cash enough to install my entire roof on a one-day event. I thought through it and yes, she made sense, because in all honesty a 1 year old doesn’t even know what’s going on. It is the mature kids who attend that will enjoy the bouncing castles and trampolines then adults become a nuisance to those same kids in the evening with noise and music after they’ve taken those drinks you bought. To the actual birthday boy, that was just another day with many kids around and noise. Was it worth all that expenditure? You do the math.
NB: If you have to shelve a basic need to raise a budget to attend Blankets and Wine you are making a mistake. Unless in your monthly budget there’s that allocation then you won’t be less a human being by not attending.

2) Every parent wants his or her child educated in an institution with ‘Group of Schools’ or ‘International School’ at the end. Picked in a yellow school bus with minders in neat uniform and a smiling driver. Those are beautiful dreams, but you see, some of the reasons parents take children to some schools are not exactly educational, especially the very high end ones. They are usually weird like ‘I want a school which allows kids with dreadlocks, or without uniform, or because the teachers don’t punish students.’ So you find us leaving a good but affordable school nearby and enrolling our little ones in probably more expensive but less educational outfits because they accept the standards we have set, then you have to keep waking up your little one at 4 to be in time for the bus at 5 then sleep through traffic to get to school at 7. By the time the kid is in class 5 he is exhausted like someone who goes to Industrial Area to hustle.

3) If you have to call on 2 friends every Tuesday to raise some cash, rush to the Pizza Inn to be counted in the offer know you are another victim. You crowd  that little green and white box like liquor patrons I usually witness in the natives. 7 minutes later box empty, 300 gone. You only took three pieces of Hawaiian and four pieces of Periperi. You begin to look desperate like chicks abandoned by mother duck. Where’s value for money in that equation surely. If you can comfortably afford some of these bourgeoisie eats without telling yourself later that you messed your budget go for it, but if every time you contribute for the same you go home troubled know you are suffering from M.C.S.

4) Church. Let us be honest; it does not make sense to be living in Kitengela and attending church in Ngara, unless there’s some special attachment to it that you can lay down with a flow chart and bar graph. Most of the new generation churches have members who come from so far every Sunday to attend service, members who have probably passed 15 churches on the way there. Trust me, if you comb your hood well you will find one church among the many which is in line with your doctrines. Going to  church 200kms away because you saw the Bishop on TV proclaiming 18 Mercedes Benzes amongst members and congregants calling his wife Mom. So every Sunday you use 500 bob on fuel to church, then to Burger King for your kids’ snacks on your way home. By evening you’ve spent 2k, making it 8k at the end of every month, and that is the same 8k you can’t use to service your loan.

5) Social Media. This is a syndrome in ladies, and mostly those that don’t exactly have the money. They live for social media. You took her to Mombasa 2015,  she was taking selfies and storing in some high security volt. 3 years later she keeps releasing them one by one, like a track in a music album. So you think this young lady is having the time of her life while she’s at Zimmerman in her bedsitter going through the vault and releasing new ‘singles’. Others pose next to every unattended to good-looking car in their way. YOU scroll through her photos one might wonder if she is a car dealer, how come her photos have her next to 126 different cars on different days? Lo! Those times she has only a hundred shilling note for survival . Why does this happen? Because such people have built a certain image around them that needs to be fed, it’s like what PR and Branding are to a company.

6) The debate on whether cars are assets or liabilities especially in a fast town like Nairobi will never end, even I don’t have a conclusive answer, but what I know is that some people buy at ill advised times. You may reap the benefits of convenience and drama-free drives to and from work, but if your dashboard has a check-engine sign, or your fuel gauge pointer is always leaning left (Empty) like a cab driver you may reconsider that decision. Due diligence shows that some people save more by driving to work compared to using public means, but its not a one-fits-all idea. So even if you see on the employee notice board that Toyota have partnered with your company to give people cars on hire purchase, do your calculations well before putting pen to paper.

 

Like a page called The Den Diaries, it has this and others articles from same author. And articles can be shared.Thanks to

Hillary Lisimba Ambani

Going Motivational.

Your life should be your concern. Have you ever been caught up in a situation where some thing(s)  that are not important to you at all tend to influence how you live? How did you handle such situations?

Most of us tend to tether our lives around endless sacrifices that do not make us happy, jeopardize our goal achievements, make others around us happy while leaving us sad. Sadly, this is what we feel most excited to do. Quite often people live their lives the “social media way.” Hurting their pockets to keep up with the “trend”, indulging in things that put their health in the harms way, securing depressions over zero Instagram likes, and the list is endless.

Live your life

Quite common, isn’t it?

How to Fix Your Life & Gain Financial Freedom

Are you in a situation where you are always broke?
You are employed yet you start getting loans from your friends from date 5. Maybe loans,  your friends, yet none of this money goes to business?
Are you in a group/circle where none of you is making progress.

Let me talk to you… First off, all the struggles you are going through are surmountable. It’s you who is putting limits. There is no set of people who were destined to be rich while you are poor. However, you must hustle. You can’t never go past where your mind and dreams can go.
If you have never imagined that you can drive, own a house, raise a family or support your parents YOU WILL NEVER ACHIEVE ANY OF THESE.

This is very IMPORTANT. There are only 2 people in the world who would want to see you succeed. YOUR PARENTS. 99% of parents will celebrate and pray for you when your business picks up or gets a job.  99% of friends, brothers and sisters would never want to see GO PAST THEM. They want you to be POORER than they. be careful about them.

If you are stuck poor and depressed. The first thing should be LEAVE ALL YOUR FRIENDS. The second step should be TO SHIFT FROM WHERE YOU STAY. WHY? When you are in a place where nobody knows you, you can do any hustle. You can open a grocery store or even any other menial job. But when you have friends and family members you’ll feel ashamed.

 If you are graduate or have a skill.  stop looking for a job, get into FREELANCING. If you a graphic designer, mobile app developer, your English is good, love tech, get online. Sharpen your skills and find a platform where you can offer that skill. https://www.upwork.com/i/job-categories/

If yourself you are a go getter, resilient and believes in yourself, quit employment and do your stuff. You can never get filthy rich when you are employed. Only 1% of people will rise to become managers, CEOS of big companies, everyone else will remain to be juniors.

The best time to make drastic changes is when you are in your 20s, or when single, this time, you can quit employment, try business, got back to school and try everything you’ve ever wanted. The moment you are married with a family you can never TAKE SUCH RISKS.

When you are in your 20s, a salary of 30,000 sounds like half a million, till you get into your 30s, 30k, 40k …. Is like pocket money. In Nairobi even earning 70k is NEVER enough, bills average at 40k per month. The moment your first join KG1 and fees is 35k is when you’ll remember me. If you want to live a “good life” you should be earning 200Gs.

Stop being short sighted, that when you see someone driving you think they are better than you. most of those guys driving are poorer than you. Never let anyone belittle you. Never think someone is better than you just because they have a house, phone or a nice hair, they may be loans.

Friends and Networks are important. However, most friends are useless. If when you meet your friend you only gossip, take about other people, talk about musicians,all that is foolishness and petty talks. If you are a male and your friends just talk about football using “we” we bought this player, think twice.

Get people who WILL CHALLENGE, GIVE YOU BUSINESS IDEAS, MOTIVATE YOU, ENCOURAGE YOU.

Finally, stop looking for good girls or gent’s make YOURSELF The best girl –(no one can leave you) EVEN IF THEY LEAVE YOU, they are the LOSER. If you are a MARRIED WOMAN, be the best WIFE, no man can LEAVE GOLD, if you are man, be the BEST MAN, no woman would dare leave you. if they leave you, they are the LOSERS. The thing is being the BEST.

POLITICS IS VERY IMPORTANT – Leaders make the country good for us and the generation.

Leave people alone. No one owes you anything. HUSTLE. Stop being bitter, do it better. thank you.

“The Link Between Sugar & Cancer” An Article Summary — Mindful Trailrunner

I was provided this article by a medical colleague of mine, and after glancing it over realized I needed to share this easy-to-digest information with all of you! Cancer affects many of our lives, directly or indirectly through loved ones, family or friends. But over the last few decades, research to treat and overcome this disease […]

via “The Link Between Sugar & Cancer” An Article Summary — Mindful Trailrunner

Flat Steel Market Size will Observe Substantial Growth by 2024

this article is very relevant in the construction and other engineering fields

CME Market Research | Industry Reports

A new research report by Transparency Market Research offers a comprehensive evaluation of the global Flat Steel Market. The study, titled Flat Steel Market – Global Industry Analysis, Size, Share, Growth, Trends, and Forecast 2016 – 2024, is available for sale on the firm’s website.

Global Flat Steel Market: Snapshot

The rapid increase in infrastructural development in Asia Pacific due to rapid urbanization and industrialization is working in favor of the global flat steel market. The construction industry in countries such as India, China, and South Korea have registered phenomenal growth over the past few years. Since flat-rolled products are extensively used in the construction of cladding, internal walls, and purlins, the expansion of the construction sector is translating into the greater uptake of flat steel. Moreover, the growing investments in the infrastructure sector and increasing stringency on iron-ore mining several countries are expected to augment…

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