Finances Archives - Page 4 of 6

No Strings Attached

May 16, 2016 Diana Derringer Comments 3 comments

People sometimes offer gifts with no strings attached.

They expect nothing in return.
They put no limits on the gifts’ use.

For example, if I give you $100, no strings attached, the money is yours.

You don’t have to give me anything.
You can use the money any way you want.

We often question offers with no strings attached.

We think:

That sounds too good to be true.
What do they want?
What is wrong with the gift?
We never get something for nothing.

Cee Cee’s gifts have no strings attached.

She began by knitting hand-sized elephants to raise funds for Joplin, Missouri tornado victims in 2011. Cee Cee was eight-years-old. Since then, she has helped people all over the world, expecting nothing in return.

Why does she do that?

Cee Cee loves people.
She wants to help anyone in need.
She serves the one who offers each of us the greatest gift.

“For the wages of sin is death, but the free gift of God is eternal life through Christ Jesus our Lord” (Romans 6:23 NIV).

Who do you know with a heart like Cee Cee’s? Please comment below.

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Thanks to BeLinda Creech for the photo.

A Dog’s Life

April 4, 2016 Diana Derringer Comments 4 comments

A Dog's Life Many dogs, like Tina, never have to live a dog’s life. Their owners spoil them. They receive all they need and most of what they want.

Attention
Love
Rest
Food and shelter
Toys and more

In contrast, when we say we lead a dog’s life, we mean we have a terrible life.

We receive little or no attention.
No one cares.
We work too hard.
Our needs and wants are unmet.
We never have any fun.

Occasionally we may live a dog’s life. Most often, we have an easier life than we think. World news reminds us just how good our life is. Many people suffer because of:

War
Religious persecution
Abuse and neglect
Weather-related tragedies
Murder and other crimes

The list of suffering seems endless.

If we have food, shelter, and someone to love, we are blessed beyond measure. Our cups run over.

“You, Lord, preserve both people and animals” (Psalm 36:6 NIV).

Thanks to Phyllis Holland for the expression and Shirley Cheatham for the photo.

Do you have a dog’s life example? If so, please comment.

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A Stitch in Time Saves Nine

March 7, 2016 Diana Derringer Comments 0 Comment

A Stitch in Time 2 I watched my Granny Childress sew many times. Sometimes she used a sewing machine like this one. Sometimes she sewed by hand. Either way, she knew a stitch in time saves nine. In other words, a little work now prevents a lot of work later.

Sewing a small rip in clothing now prevents a large rip later.
Stopping a little leak now prevents a big water bill later.
Replacing old brakes now prevents a car wreck later.

If we let things slide now, we suffer later. That’s true with clothing, houses, and cars. It’s also true in relationships. Remember, an ounce of prevention is worth a pound of cure.

When we can, let’s stop problems now, so they will not get worse later.

“A sensible man watches for problems ahead and prepares to meet them. The simpleton never looks and suffers the consequences” (Proverbs 27:12 TLB).

Do you have an expression you want explained? If so, please comment below.

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Hand-Me-Down

February 29, 2016 Diana Derringer Comments 0 Comment

Hand Me Down How many of you have worn a hand-me-down? Or lots of hand-me-downs? If you are the youngest or smallest child in your family, you may know what I mean.

You get to wear clothes or shoes someone else outgrew or no longer uses.

Sometimes that’s okay. The clothes look new or you like them.
Other times it’s not okay. They look old or awful.

Buying fewer clothes means more money for other needs or wants. Some families share hand-me-downs, because the families have little or no money. Dolly Parton sings about her first coat no one else had worn in “Coat of Many Colors.” Her mother made that coat from rags, a perfect example of making do.

As one of the smallest people in my extended family, I continue to wear hand-me-downs. I hate to shop. The more hand-me-downs I get, the less shopping I have to do. That sounds like a good plan to me.

Whether a person wears hand-me-downs or new clothes matters little. Far more important is whether we clothe ourselves with love, kindness, and truth.

“If we have food and clothing, we will be content with that” (1 Timothy 6:8 NIV).

Thanks to Karen Grimes for her picture of Taylor and Makenzie’s hand-me-down moment.

Do you have an expression you want explained or a thought about this one? If so, please comment below.

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On Thin Ice

February 16, 2016 Diana Derringer Comments 1 comment

We have to be careful during Kentucky winters. We often find ourselves on thin ice and must watch our steps.

Ice on creeks, ponds, and lakes is usually too thin to walk or skate.
Ice on the ground or sidewalks causes falls.
Ice on roads and parking lots lead to wrecks.

On thin ice means we are in a risky or dangerous situation.

We put ourselves in danger when we:

Invest money in an unknown company.
Choose friends we cannot trust.
Fail to care for our health.

Some risks are worth the danger.

Uncertain investments sometimes make lots of money.
Everyone makes mistakes and needs a second chance.
We risk our health to save another life (organ donation, firemen entering a burning building).

Other risks are not worth it.

Then it’s better to be safe than sorry.

We decide each day whether to step on thin ice or stay on solid ground.

“This is what the LORD Almighty says: ‘Give careful thought to your ways’” (Haggai 1:7).

Do you have a favorite expression or one you want explained? If so, please comment.

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Make Do

February 2, 2016 Diana Derringer Comments 10 comments

Make Do My parents and grandparents knew how to make do. So did many of their generation. They survived on what they had. If they had little, they lived on little. If they had more than enough, they saved for the future and shared with others.

They tried to avoid debt. If they didn’t have money, they didn’t buy. They grew their own food, built their own houses, and made their own clothes. They:

Discovered new recipes with the food in their kitchens
Styled themselves with the clothes in their closets (if they had closets)
Learned new ways to live off the land

They threw almost nothing away. Instead, they:

Cut buttons off old shirts to reuse
Canned and froze food they grew in the summer to eat in the winter
Cut up rags to make quilts

By doing the best they could with what they had, they learned to appreciate all they had. Although not rich with money, they were rich in faith and love.

Now in their golden years or gone but not forgotten, they continue to share their wealth with others. Some of those gifts appear in this picture.

A quilt made by my mother
A quilt rack made by my father
A Dutch boy and girl painted by a dear friend
Old canning jars that remind me to make do

“Keep your lives free from the love of money and be content with what you have, because God has said, ‘Never will I leave you; never will I forsake you’” (Hebrews 13:5 NIV).

Do you have a favorite make do story? If so, please comment

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Tightfisted

November 24, 2015 Diana Derringer Comments 2 comments

Few people want to be called tightfisted or closefisted. We don’t like to be known as selfish or cheap. A tightfisted person hates giving or spending money. They want to keep it all for themselves.

However, we can be tightfisted with more than money. Too often we fail to share our time and love. We need those much more.

How many children wish for more time and love from parents?
How many husbands or wives wish for more time and love from a spouse?
How many people live alone, thinking no one cares?

We can do something about the needs around us. If we are tightfisted, it is never too late to change. Ebenezer Scrooge in A Christmas Carol provides a perfect example.

Of course, we want to use what we own wisely. We need to save money for future needs. At the same time, most of us can give far more than we do. With money, time, and love, let’s freely share.

The Gaither video Give It Away includes a scene of children receiving Operation Christmas Child shoe boxes filled with gifts. What a great reminder that we can make our world a better place to live.

This Thanksgiving, let’s give thanks for what we have. Then let’s open our tight fists and share with others. After all, we can’t take it with us.

“Freely you have received; freely give” (Matthew 10:8 NIV).

Do you have an expression you want explained? If so, please comment below.

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You Can’t Take It with You

October 20, 2015 Diana Derringer Comments 7 comments

“You can’t take it with you.” “I’ve never seen a hearse with a trailer behind it.” Both expressions tell us that when we die, we leave our possessions behind.

So, why do we become so concerned about what we own? Those things won’t last.

What we spend most of our lives collecting will someday belong to someone else. Or they may be thrown in the trash or recycled. Yet, we keep buying stuff we don’t need, trying to live high on the hog.

A missionary friend once laughed and said she enjoys “returning to America every four years to learn what the latest gadgets are that we cannot live without.”

She knows what matters most can’t be purchased with cash, check, or credit card:

The love of family
A true friend
Peace of mind
Purpose for living
An eternal home in heaven

A meaningful life has no price tag. Why not make our lives more meaningful? Instead of buying useless items, why not spend our money for:

Disaster relief
World hunger
Scholarships
Church and missions programs
Crisis ministries

We live on earth such a brief time. If you can’t take it with you, why worry about it now? Let’s invest in true riches!

“Where your treasure is, there your heart will be also” (Matthew 6:21 NIV).

What are your favorite charities?

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Between a Rock and a Hard Place

August 25, 2015 Diana Derringer Comments 1 comment

I don’t climb mountains. However, I know mountain climbers often find themselves between a rock and a hard place. They climb in difficult areas. Often they have few good choices.

We may not climb physical mountains. Yet, most of us face mountains of difficulty sometime in our lives. We find ourselves between a rock and a hard place. We must make hard decisions with no easy choices. Any choice causes problems.

Do we quit our job or work in unfair circumstances?
Do we pay rent or buy food?
Do we continue painful medical care or stop treatments?

We must choose what we decide is the lesser of two evils.

Aron Ralston faced such a choice after a climbing accident in 2003. He was trapped more than five days. His choice: Do I die or cut off part of my right arm. He used a dull knife to free himself.

Our choices may not be that hard. However, some choices are worse.

I wish I had an easy answer for such situations, but I don’t. I find the following helpful:

1. List the pros and cons for each choice.
2. Discuss the options with a trusted friend or relative.
3. Pray for wisdom.
4. Accept help from others.
5. Get a grip on what matters most.

I pray you face few times between a rock and a hard place.

“You have let me sink down deep in desperate problems. But you will bring me back to life again, up from the depths of the earth” (Psalm 71:20 TLB).

Have you had a rock and hard place experience? If so, please comment.

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Get Your Ducks in a Row

August 4, 2015 Diana Derringer Comments 0 Comment

Life grows hectic if you don’t get your ducks in a row. Mine certainly does.

My desk starts to look like a mountain (or several mountains) of paper. My schedule becomes crazy. I don’t know what to do first. I need to organize – to get my ducks in a row.

Also, if you want only ducks, you need to focus on ducks. Get rid of the geese. Geese look a lot like ducks, as we see in this picture. However, geese are not ducks.

If you fail to organize, you may mistake unnecessary actions for necessary. Like geese, get rid of the unnecessary. Focus on the necessary – the ducks.

If your desk looks like mine, remove the papers you don’t need. If your schedule becomes crazy, plan only what you can do. If you don’t, you soon run out of steam.

Once you get your ducks in a row, you have everything in good order. You do what you need to do when you need to do it.

Some ducky ideas to help you organize:

Pack a day or two before trips.
Write and follow a financial budget.
Study a few days before taking a test.
Make a list of needed items before going to a store.

Then rest in the knowledge that you are starting to get your ducks in a row.

“Commit to the LORD whatever you do, and he will establish your plans” (Proverbs 16:3 NIV).

How do you get your ducks in a row? Please comment.

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