Finances Archives - Page 5 of 6

Can’t Win for Losing

June 16, 2015 Diana Derringer Comments 3 comments

Do you know how it feels to lose over and over again?

No matter what you do or how hard you try, you fail. Success seems impossible. You simply can’t win for losing.

Don’t feel bad. Most of us have been there. Some of us have been there many times. A few of us think we have been there most of our lives.

Often we believe we are the only ones who fail.

But consider the following quotes from extremely successful people. They have been there too.

When you come to a roadblock, take a detour. —Mary Kay Ash
Success is how high you bounce when you hit bottom. —George S. Patton
I’ve failed over and over and over again in my life and that is why I succeed. —Michael Jordan
It’s fine to celebrate success but it is more important to heed the lessons of failure. —Bill Gates
I have not failed. I have just found 10,000 ways that won’t work. —Thomas A. Edison
If you learn from defeat, you haven’t really lost. —Zig Ziglar

When you feel like you can’t win for losing, don’t give up.

You are in good company. As Thomas Edison said, “Many of life’s failures are people who did not realize how close they were to success when they gave up.”

“My flesh and my heart may fail, but God is the strength of my heart and my portion forever” (Psalm 73:26 NIV).

Thanks to Becky Nash Rowe for the suggestion.

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Put Your House in Order

June 9, 2015 Diana Derringer Comments 0 Comment

It’s probably too late to put this old house in order. We see signs of decay all over it:

Weeds, trees, and vines growing near and on it
Cracks in the wood, windows, and door
Parts of it leaning, preparing to fall

To put your house in order, you try to return everything to good condition. You don’t usually mean a house. You may want to:

Get your finances in good shape.
Improve your behavior.
Prepare for death.

We see the last meaning in Isaiah 38:1 when Isaiah told King Hezekiah, “This is what the Lord says: Put your house in order, because you are going to die.”

Sometimes when people criticize you, you might say, “Put your own house in order.” This tells them to solve their problems instead of criticizing you.

All of us have problems. We can prevent many of them. With houses, we can:

Keep weeds, trees, and vines cut.
Repair cracks as soon as they appear.
Keep the foundation and support strong.

With our lives, we can:

Avoid harmful activities.
Correct mistakes as soon as they occur.
Make God our foundation.
Help one another stay strong.

“The rain came down, the streams rose, and the winds blew and beat against that house; yet it did not fall, because it had its foundation on the rock” (Matthew 7:25 NIV).

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An Ounce of Prevention is Worth a Pound of Cure

May 26, 2015 Diana Derringer Comments 5 comments

All my life I heard that an apple a day keeps the doctor away. That sounds good to me. I’m for whatever we can do to prevent problems. Plus, I love apples.

We credit Benjamin Franklin with saying an ounce of prevention is worth a pound of cure. His quote contains wisdom we all need.

We can either spend a little time preventing a problem or a lot of time curing it.

If we have the ability to prevent something bad, why not do it? If eating apples will keep us out of the doctor’s office, let’s eat apples!

Some people have revised Franklin’s quote to say an ounce of prevention is better than a pound of cure. I tend to agree.

Consider our choices:

Exercise and eat well now or treat health problems later.
Save for emergencies now or deal with debt later.
Develop strong relationships now or have few friends later.
Work well now or find a new job later.

Do you see a pattern here?

Our choices today affect our lives tomorrow.

What kind of future do we want?

“Do not be wise in your own eyes; fear the LORD and shun evil. This will bring health to your body and nourishment to your bones” (Proverbs 3:8 NIV).

Thank you to Karen Atwood for this suggestion.

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Photo courtesy of morgueFile.

High on the Hog

March 24, 2015 Diana Derringer Comments 7 comments

Some people live and eat high on the hog. They enjoy the good life. They surround themselves with luxury.

Farmers who raise hogs (pigs) understand the expression. So do butchers who cut the meat. The best cuts of pork come from the back and upper parts of a pig’s leg. Therefore, we find the most expensive cuts high on the hog.

Wealthy people can afford to live high on the hog. Of course, the expression refers to more than their food. It includes a rich lifestyle:

Fancy homes and cars
Frequent world travel
Designer clothing
Expensive jewelry
The best of everything

Some wealthy people choose to live a simple lifestyle. They either save their money or share it. Others live high on the hog but also help those less fortunate.

Many people who can’t afford it try to live high on the hog. They buy on credit but can’t pay their bills. They get too big for their britches. They fail to consider the final cost – the bottom line.

Whether we live high on the hog or live off life’s scraps, we decide how we will use what we possess.

“Watch out! Be on your guard against all kinds of greed; life does not consist in an abundance of possessions” (Luke 12:15 NIV)

Thanks to Lori Carmicle for the photo and Debbie Tapscott for the suggestion.

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Out on a Limb

July 22, 2014 Diana Derringer Comments 1 comment

Have you seen the cartoon of a man sitting out on a limb? He’s sawing off the limb between himself and the tree. We laugh because we know that when the limb falls, so will he. Yet, he remains unaware.

The bear cub in this photo may not be out on a limb yet. However, we know if he tries to crawl out any of those tiny limbs, he too will fall.

We often fail to see the dangers around us.

Like the man and the bear cub, we cause many of those dangers ourselves.

Marriages fall apart because of harmless flirting.
Addictions result from trying just one drink or drug.
Bankruptcies occur when we can no longer pay all those little charges.

If we never take that first dangerous step, we don’t have to worry about falling.

Let’s take preventive steps instead.

Weigh the good and bad.
Make well-informed decisions.
Set reasonable limits in every part of our lives.

Let’s not put ourselves at risk. Let’s choose not to go out on a limb.

“Let us examine our ways and test them, and let us return to the Lord” (Lamentations 3:40 NIV).

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Bottom Line

July 15, 2014 Diana Derringer Comments 6 comments

The bottom line on a financial statement shows the net profit or loss.

Therefore, when we ask, “What’s the bottom line?” we want to know the final cost or gain.

Businesses often advertise a low cost per month rather than the total cost. Two good questions to ask:

What will this cost if we pay the total now?
How much extra will this cost if we make payments?

Most of us like to buy items on sale. However, if we use our credit card, we need to pay the total bill when it arrives. If not, we may pay more than the item’s original price. Our bargain suddenly becomes a burden.

The bottom line applies to more than finances.

What are the costs and gains in our:

Behavior
Relationships
Jobs
Education
Spiritual life

Many choices are not worth the cost. Others are worth any cost.

In some countries, a decision to follow Jesus may involve great loss:

Rejection by family and friends
Denial of educational opportunities
Job loss
Imprisonment
Death

Yet, many people choose to follow Jesus anyway. They refuse to deny their faith. For them, eternity with God outweighs any temporary problems during this short life.

In every decision, count the cost. What’s the bottom line?

“What good will it be for someone to gain the whole world, yet forfeit their soul? Or what can anyone give in exchange for their soul?” (Matthew 16:26 NIV).

Thanks to Emily Akin for suggesting this expression.

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Don’t Put All Your Eggs in One Basket

April 15, 2014 Diana Derringer Comments 0 Comment

Although not found in the Bible, egg hunts have become a common Easter tradition. Close to Easter seems a good time to remember we don’t put all our eggs in one basket.

As children find Easter eggs, they usually place them in brightly-colored baskets. Too many eggs make a basket overflow. Extra weight from the eggs can make a fragile basket break.

Using more than one basket, if needed, reduces the risk of losing or breaking their eggs.

Neither should we put all our eggs in one basket.

We don’t want to limit our resources to one possibility.

For a greater chance of success, we must diversify.

Invest money in more than one company.
Study more than one subject.
Learn more than one skill.
Apply to more than one school.
Develop more than one hobby.
Plan more than one vacation route.

We want to keep our options open.

If one goal fails, we have an alternative.

If our dream becomes a nightmare, we can follow a different dream.

“But the plans of the LORD stand firm forever, the purposes of his heart through all generations” (Psalm 33:11 NIV).

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

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Santa Claus

December 24, 2013 Diana Derringer Comments 2 comments

What comes to mind when you hear the name Santa Claus? Most people picture a jolly man with a white beard. He wears a red suit and black boots and says “Ho! Ho! Ho! Merry Christmas!” a lot. Santa Bob, pictured here, is a perfect example.

I wonder, however, how many people know about Saint Nicholas, the man who inspired our modern-day Santa Claus. According to history and legend, Saint Nicholas lived a far different life.

Saint Nicholas was born around AD 260-280 in modern day Turkey. His parents died when he was young but left him enough money to live well. He gave much of his money to help people in need, especially children.

Saint Nicholas performed many of his good deeds at night when no one could see him. One story tells of a poor man with three daughters. With no money, the girls had little hope of marriage. As a result, the father feared he would have to sell his daughters into slavery.

When Saint Nicholas heard about this family, he tossed bags of gold through an open window of their house. The coins landed either in the stockings or shoes of the girls. Some say he tossed the gold down the chimney.

Yet Saint Nicholas’ government did not praise this generous man. Because he refused to give up his beliefs in Jesus, he was sent to prison and tortured.

When you see people in Santa Claus costumes this Christmas, remember Saint Nicholas. Remember the man who helped others and suffered for following Jesus. Remember that Christmas celebrates the birth of the Savior Saint Nicholas served.

Thanks to Santa Bob for sharing his photo and for living the true meaning of Christmas.

“For to us a child is born, to us a son is given, and the government will be on his shoulders. And he will be called Wonderful Counselor, Mighty God, Everlasting Father, Prince of Peace” (Isaiah 9:6 NIV).

Attitude of Gratitude

November 26, 2013 Diana Derringer Comments 4 comments

The Thanksgiving holiday reminds us to express an attitude of gratitude.

During this special time, we take notice of and give thanks for our many blessings.

All too often, however, that attitude changes as easily as the seasons. Once Thanksgiving passes, so does our time of giving thanks.

Why not keep a thankful heart all year?

Why not focus on what we have rather than what we want? Why not view our glass as half-full rather than half-empty? Why be grumpy when we can be grateful? Why envy others who have more “stuff.” Why not be grateful we can share our “stuff” and then give some of it to someone who needs it?

Instead of building a bigger house, why not give thanks for a safe place to live.
Instead of buying a fancier car, why not be grateful for two good legs?
Instead of buying the latest tech toy, why not spend time talking to someone face to face?
Instead of eating too much, why not donate to the local food pantry. (See photo above.)
Instead of buying new clothes, why not recycle old ones? (Vintage is always in style.)

With all the money we save, think how much good we can do for others. As one song says, “Give it away.” Now that’s an attitude of gratitude and a great way to give thanks.

Will we allow thanksgiving to remain a one-day holiday or make it a lifestyle?

“Oh, give thanks to the God of heaven, for his loving-kindness continues forever” (Psalm 136:26 TLB).

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

Subscribe to receive my weekly posts by email and receive a free copy of “Words of Hope for Days that Hurt.”

If you enjoyed this post, please share it with your friends.

Do you know how it feels to lose over and over again?

Often we believe we are the only ones who fail.

When you feel like you can’t win for losing, don’t give up.

We can either spend a little time preventing a problem or a lot of time curing it.

Our choices today affect our lives tomorrow.

We often fail to see the dangers around us.

If we never take that first dangerous step, we don’t have to worry about falling.

The bottom line on a financial statement shows the net profit or loss.

The bottom line applies to more than finances.

Many choices are not worth the cost. Others are worth any cost.

We don’t want to limit our resources to one possibility.

If one goal fails, we have an alternative.

The Thanksgiving holiday reminds us to express an attitude of gratitude.

Why not keep a thankful heart all year?

Some people do whatever it takes to help others.

When people take advantage of those who bend over backwards, they continue to give.

I wonder what our world would be like if everyone followed their example?