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Tag: decisions

Bottom Line

Bottom Line

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Bottom Line-SaleThe 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:

  1. What will this cost if we pay the total now?
  2. 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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Penny Wise and Pound Foolish

Penny Wise and Pound Foolish

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Penny Wise and Pound Foolish--a peeny, a pence, and a pound
A Penny, a Pence, and a Pound

Penny wise and pound foolish describes people who spend carefully on small items but waste money on larger expenses.

A person needs several US pennies (or British pence) to equal one British pound.

Several years ago, someone showed me all her bargains from a clearance sale. She proudly told me each item’s price. Near the end, she began saying, “I don’t know what this is, but it cost only …” Most amounts were less than a dollar. However, her total cost was large.

I remember wondering, Just what will she do with all these mystery objects? They’re not bargains if she has no use for them.

She was penny wise and pound foolish.

People might be penny wise and pound foolish if they:

  • Attempt their own home repairs but require an expert to repair their repairs.
  • Clip grocery coupons and then eat at an outrageously expensive restaurant.
  • Drive several miles to save a few cents per gallon on gasoline.
  • Neglect regular medical care that results in permanent disability.
  • Buy sale items on credit but pay the minimum on their credit card bill.

Don’t we often do the same with our life decisions?

We make the easy choices or do what looks good at the moment. Yet we fail to consider the long-term consequences.

Easy or cheap does not equal good or wise.

Let’s make smart choices in all our investments—financial, educational, occupational, social, emotional, and spiritual.

“Be very careful, then, how you live—not as unwise but as wise” Ephesians 5:15 (NIV).

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Ride the Fence

Ride the Fence

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Ride the Fence--blue jay
Courtesy of morgueFile

Ride the fence reminds me of a favorite scene in the old movie, It’s a Wonderful Life. The main character, George, walks back and forth in front of Mary’s house, hitting the fence with a stick and mumbling. Mary leans her head out the window and asks, “Have you made up your mind?”

While physically hitting a fence, George was emotionally riding the fence. He hadn’t decided whether to visit Mary. He wasn’t sure what he wanted to do about his life goals.

George wanted to travel. Mary wanted a home in their small town. Mary wanted marriage. George did not. Others saw that George was falling in love with Mary. George denied those feelings.

We get nowhere if we physically sit on top of a fence. To move forward, we must climb down on one side or the other. The same is true of our emotions.

Like George, if we ride the fence, we will probably stay upset until we decide. We need to take time for good decisions. We have to emotionally get off the fence.

Have you made up your mind about the direction of your life? What receives most of your attention? What goals have you set? Do those goals match your beliefs?

Who, then, are those who fear the Lord? He will instruct them in the ways they should choose (Psalm 25:12 NIV).

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