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Tight as Bark on a Tree

Tight as Bark on a Tree

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Tight as Bark on a Tree--oak leaf on tree barkWe don’t want to overspend, and we do want to save. Yet, we rarely want to be called tight as bark on a tree.

Tight as bark on a tree means extremely careful with money.

Other descriptions include:

In areas with Blackjack oak trees, we frequently hear “as tight as bark on a blackjack.”

If we are tight spenders, we buy only when absolutely necessary.

Money never burns a hole in our pockets. Instead, we lock our pockets and throw away the key! We make do with what we have in order to save.

Although we should save, we don’t want to go overboard.

Money is a means to an end, not the end itself. We use it to meet our needs and the needs of others both now and in the future.

When tempted to remain tight as bark on a tree, let’s remember:

Definitely save for a rainy day. At the same time, spend money and all of life as God leads today.

“One gives freely, yet grows all the richer; another withholds what he should give, and only suffers want” (Proverbs 11:24 ESV).

Thanks to Billie Sue Kibbons and Lynn Kibbons Collins for the suggestion they recalled from Granny Rosa Fay Scott who lived near an area known as Black Jack, Missouri. Photo by Marta Wave on Pexels.

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Money Burns a Hole in Their Pocket

Money Burns a Hole in Their Pocket

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Money Burns a Hole in Their Pocket--empty pocket pulled out of jeansSome people never save for a rainy day. Money burns a hole in their pocket.

As soon as they get money, they spend it.

They rush to a store or make an online order.

How they get their money does not matter. They spend it all.

  • Paycheck
  • Allowance
  • Gift
  • Prize

The amount of money does not matter. They spend it all.

Whether they have one dollar or a million dollars, they spend it. Then, when they need money, they have nothing. They stay poor as a church mouse. Therefore, they have no way to help themselves or other people.

They have fun for a short time. But the fun does not last.

Life can be hard. They need to be ready when those hard times come.

A few people may have someone who gives them all they want or need. Most people have to pull themselves up by their own bootstraps .

Therefore, they need to make a money plan.

Your income disappears, as though you were putting it into pockets filled with holes! (Haggai 1:6 TLB).

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Save for a Rainy Day

Save for a Rainy Day

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Save for a Rainy Day--clouds and rain at Niagara FallsWe never know what the future holds.

Therefore, we need to save for a rainy day.

A few of us enjoy rainy days. Many people do not. For them, a rainy day means a bad time.

  • The sky becomes dark.
  • They must cancel outside plans.
  • Everything turns wet and messy.
  • They get in a bad mood.

Whether we like rainy days or not, we should prepare for them.

  • Keep an umbrella.
  • Make inside plans.
  • Dress for wet weather.
  • Do something to improve our mood.

When we save for a rainy day, we prepare for hard times.

Storms in life occur as well as storms in the weather. Life storms may include:

  • Job loss
  • Health problems
  • Home or car repairs
  • Other unexpected bills

We prepare for a rainy day – an emergency – by saving money. We hope we never have to spend that money. Yet, we have it if we need it.

As an old song reminds us, into each life some rain must fall.

Sometimes when it rains, it pours. Therefore, let’s batten down the hatches and get ready for the rain.

“The clouds poured down water, the heavens resounded with thunder” (Psalm 77:17 NIV).

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Hand-Me-Down

Hand-Me-Down

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Hand Me DownHow 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.

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