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Entries in Stewardship (5)

Thursday
May122016

Upgrade Your Finances: The Family Road Trip

Ellie Kay is known as “America’s Family Financial Expert” ® and in this Financial UPGRADE gives us some timely information on taking the family on a road trip this year.

"I remember my dad stuffing all of us kids in the back of a VW bug and traveling from Texas to Indiana, making about 600 miles per day," Ellie says. "It was a daring adventure!"

I (Dawn) traveled a lot too, in a military family; and I can attest that Ellie's financial tips are all helpful and wise!

Ellie continues . . .

That traveling tradition continued with my own military family as we took time in the summer to carve our own road trip.

Here are some ideas that will make your family trip a lot more fun and affordable.

1. Begin With Prayer

My husband, Bob, and I liked to begin our family vacation planning process with prayer.

James 1:5 says that if any of us lack wisdom, we can ask God. Well, we asked Him early and often and He answered! We feel that He gave us additional insight as to what would be best for our family and our budget.

Then, before each day’s drive, Bob had the whole Suburban full of kids bow their heads and he prayed for safety, for unity and for a spirit of fun.

2. Healthy Eats and Treats

One of the greatest expenses while traveling is for food on the road. Not only does it get pricey, but these purchases can also take a toll on health by eating fast food on the road.

When we traveled, we packed a lunch for the first day on the road and stopped at roadside parks. It’s easy to plan these stops by locating parks through the Roadtrippers app.

To save money on snacks, pack some healthy options in individual bags for each family member – such as carrots, grapes, cherries, pretzels or trail mix. Bring along extra snack-size baggies so you can split other treats you buy on the road – such as fresh popcorn, fruit or beef jerky from a roadside store.

3. Busy Hands and Happy Hearts

One of our main challenges as a family was keeping the kids occupied, and this is the number one concern I hear from parents.

Older children can use a tablet or game to stay busy, and everyone enjoys movies on the way. But even these options can lead to inevitable boredom as kids start to get restless. I think this is where creativity comes into play.

When we had a long trip (or a military move), I shopped ahead of time for small games, books, activity puzzles, little toys and other trinkets I knew they would like. Then I’d wrap these “surprises” in gift paper and put each child’s name on it. At the top of every hour, we would give them their individual present. You can also go to Travelforkids to find other alternatives.

4. A Place to Stay 

There are creative ways to save money on a place to stay on the family road trip. You can go to vrbo.com to find vacation rentals by owners.

Suite hotels that offer extra rooms are also an option such as the ones found at hotels.com, orbitz.com or cheaphotels.com.

Another option is to try a family camp. Google “YMCA family camps” to find one that meets your needs. You can enjoy a cabin, horseback riding, canoeing, and other great family activities for 40% off the cost of a conventional resort area. 

5. Food and Entertainment

Be sure you make use of Yelp to find the best restaurant at the best prices and bonuses such as free appetizers or desserts.

I also recommend entertainment.com where you enter the zip code of where you will be traveling in order to preview their entertainment books for that destination. Be sure you download the app RetailMeNot to find codes on everything you’ll need on your vacation, whether you are shopping for souvenirs in a store or eating at a restaurant.

At restaurant.com you enter the zip code to get gift certificates for half price and while you’re there, see if they have any sales. I recently bought $25 gift certificates at that site for only $4 when I applied a coupon code.

6. Save on Gas

AAA’s Fuel Cost Calculator helps plot the most efficient route. Just enter the year, make and model of your car and it will compute what you’ll spend on gas.

Get the GasBuddy app and find the cheapest price for gas along the way.

We also use the Waze app to find real time road conditions, the most efficient route, and the best gas prices along the way. On more than one occasion, it has saved us 30-45 minutes by avoiding a crash or slow down.

7. Prayer of Thanks

Begin and end your family road trip with prayer, thanking God for his protection, wisdom and safety.

Some of the best family memories you may ever have can be found on the road if you purpose in your hearts to make them with the ones you love.

What kind of a family road trip will you have this year?

Ellie Kay is the best-selling author of fifteen books including Lean Body, Fat Wallet, and Heroes at Home. She is a Toastmaster Accredited Speaker as well as a popular international speaker and media veteran who has given over1,200 media interviews including appearances on ABC, CNBC, CNN and Fox News. As a popular columnist, she writes for six national magazines and has been a Subject Matter Expert for the Wall Street Journal, New York Times and Washington Post. Currently, Ellie provides financial education to military members through her “Heroes at Home Financial Event” sponsored for USAA. Ellie is married to LTC Bob Kay and they have seven children.

Graphic of picnic table, courtesy of Morguefile.

Wednesday
Jan272016

Finish Well: Embrace Freedom

In the previous two UPGRADE posts, "Take Courage" and "Build Strength," we considered a number of ways seniors can finish well. In this final post in the series, I (Dawn) want us to consider how we can "Embrace Freedom."

In my span of 65 years, I've discovered two kinds of seniors.

One kind retires from life and fails to dream new dreams. As one such woman told me, "I'm just waiting for the rapture." You may have heard someone say that too.

The other kind grabs hold of every day, buying up the time. As one senior I know said,  

"I don't know how many days I have left on this earth, but I'm not dead yet and I'm going to drink my cup of life dry!"

The first woman foolishly sqandered many opportunities to serve the Lord. The second woman was living out Ephesians 5:15-16, redeeming time, wisely making the most of every opportunity.

I want to be like that second woman. I want to redeem the rest of my years. Because I have freedom in Christ, I want to embrace freedom and finish well.

Now I don't know what redeeming the senior years looks like to you, but here are four ways I'm going to embrace freedom in my own senior years.

First, I'm going to . . .

1. Purge the Unnecessary.

In today's culture, with so many things to buy and so many storage units to keep them in, it may not be as natural to pare down in the senior years as it used to be. To be sure, many are "down-sizing" as they get older, but others are still burdened down with too much stuff.

In our elder years, we should be simplifying our lives, purging out the unnecessary, making much of our sweet memories, and preparing for heaven!

Many problems would be helped or even solved, if we just owned a lot less.

  • We might find extra hours in our day or more money in our checkbooks;
  • We'd have a lot less housework to do—like dusting all those knick-knacks;
  • We'd eliminate a lot of stress about our stuff;
  • We'd find the calming freedom of "space;"
  • We'd be able to, perhaps, release ourselves from others' expectations (just think about the freedom of not having to keep up with the Joneses or fashion's dictates); 
  • And maybe we'd finally learn true biblical contentment.

It's not about being a minimalist. It's about becoming a wiser consumer and a better steward. It's about finding the joy of freedom. It's about not being "encumbered" and distracted by so much stuff!

If you're looking for help decluttering, there are many good books that can help. I recommend Kathi Lipp's book, Clutter Free, and Marcia Ramsland's, Simplify Your Space.

2. Use Resources Wisely.

Wouldn't it be wonderful to enjoy financial freedom in old age? That doesn't just happen. Many seniors have frittered away valuable dollars that could have been invested for the latter years.

But regardless of our past foolishness, we can still learn to be good financial stewards. There are so many helpful resources to read and apply, like Ron Blue and Jermey White's Faith-Based Family Finances; Dave Ramsey's Your Money after the Big 5-0; and numerous books and booklets by financial expert Ellie Kay.

It's not just financial resources we need to consider. I believe God wants us to walk through our homes and ask Him how we might better use the material goods in our homes. Maybe we could lend or give an item we own to someone in need. Or maybe we could sell something we have to make compassionate use of the money we generate.

Maybe there is a skill we have that could be used for the Kingdom. We could make quilts, blankets or clothing for someone in need. We could paint someone's fence or help plant a garden. We could write or edit for a financially-strapped ministry. Ask, "What can I do?" Then ask, "How can I use this, Lord?"

Another wise use of resources is considering where we might leave special financial gifts in our will for a favorite ministry or two after we pass on. (You do have a will, right?)

3. Keep on Dreaming.

As people in many walks of life have noted, when we stop dreaming, we start dying inside. If nothing else, our dreams die! And that's sad. Seniors need to keep on dreaming. Dreaming is a diamond for old age with many facets.

Part of dreaming is creativity—figuring out ways to act on our dreams and keep on contributing to our families, church and society.

Creative expression is said to benefit the elderly, promoting health and wellness. I've always admired people like "Grandma Moses" (Anna Mary Robertson Moses), the American folk artist, who started painting in earnest at the age of 78!

Dreaming also includes visionary thinking. Cam Townsend, founder of Wycliffe Bible Translators, went to Moscow and learned Russian to assist in Bible translation when he was 72.

Another part of dreaming is reading and being a lifelong learner. Did you know Chief Justice Oliver Wendell Holmes began the study of Greek at the age of 92? People no doubt wondered why he waited so long. He said, "When else would I have had the time to take it up?"

So keep on dreaming. It will keep your mind young and give you unexpected opportunities to serve the Lord.

(Lost your way and think you can't dream again? Cindi McMenamin can help—read her book, When a Woman Discovers Her Dream.)

4. Pursue New Adventures.

Related to dreaming is: Never be afraid to try something new. When I think of the word "freedom," I often associate it with the word "adventure."

There's just something exciting and freeing about going on an adventure with God!

My friend Pam Farrel has modeled adventursome living over the years. I loved Pam's book, Becoming a Brave New Woman: Step into God's Adventure for You. 

This year, "Adventure" is Pam's focus word—with perfect timing. God is taking Pam and her husband Bill on a big detour in life, but rather than sitting around and complaining about it, they are contemplating what might be right around the corner! They are on a fresh adventure with the Lord. They are anticipating new opportunities with their family and growth in their ministry together.

When we allow God to lead us as He wills, as our Sovereign Lord, we can know that all our adventures will be for our good, others' benefit and His glory.

So don't be afraid of new adventures. Embrace them! (I'm determined to run my life race, wherever it takes me, with joy! Isn't that what you want too?)

Let's FINISH WELL!

What does finishing well look like for you? What is God asking you to change in the days to come so that you can hear His words, "Well done, good and faithful servant"?

 Dawn Wilson, founder and president of Heart Choices Today, is the creator of three blogs: Heart Choices Today, LOL with God (with Pam Farrel), and Upgrade with Dawn. She is the Director of the San Diego chapter of Network of Evangelical Women in Ministry (NEWIM). Dawn is the co-author of a devotional, LOL with God, and contributed "The Blessing Basket" in It's a God Thing.She and her husband Bob have two grown, married sons, three granddaughters and a rascally maltipoo, Roscoe.

Graphic Adapted: image courtesy of Mike Enerio, Stocksnapio.com.

Tuesday
Jan192016

Don't Say You're Too Old

Elaine W. Miller's practical humor never fails to make me smile, while I'm getting a kick in the pants spiritually! In this special UPGRADE for the senior set, she encourages us to keep on "running the race" with the Lord in the stewardship of our years.

"'It ain't over till it's over!' is one of my favorite Yogi Berra-isms," Elaine said.

You had me (Dawn) at "Yogi," Elaine. I thought, what can Yogi teach me about spiritual things? Aha!

Elaine continues . . .

I agree with Yogi! As long as we're breathing, our work on this earth is not finished. God still has a plan for our lives and a race for us to run whether we're 25 or 75, whether we're healthy or ill, whether we feel like it or not.

As birthdays come faster and faster, let us resolve to keep running the race God planned for us since before we were born. Will you run with me?

Let's be encouraged by what God says and enjoy a few more Yogi-isms to "drive home" the point.

1. God ordained all of our days, not just the days before we turn 65.  

"All the days ordained for me were written in your book before one of them came to be" (Psalm 139:16b, NIV). God knows all our days. If we're alive, we still have races God wants us to run. 

   Or as Yogi says, "If you come to a fork in the road, take it."

Because . . .

2. God has work for us to do.

"The righteous . . . . will still bear fruit in old age. . .  " (Psalm 92:12-14, NIV).

If we wake up and our names aren't in the obituary, then hop to it. God has fruit for us to bear!

   Or as Yogi says, "You've got to be very careful if you don't know where you are going, because you might not get there."

So . . .

3. Let us persevere to the end.

". . . let us run with perseverance the race marked out for us" (Hebrews 12:1, NIV).  Let's not walk, let's run with all the energy we have (which is enough when God is our power source).

   Or as Berra said of Joe DiMaggio " . . . he never walked off the field."

Because . . .

4. Life is worthless unless we complete the task God planned for each of us.  

May our hearts resound with these words, "However, I consider my life worth nothing to me, if only I may finish the race and complete the task the Lord Jesus has given me — the task of testifying to the gospel of God's grace" (Acts 20:24, NIV).

   Because, as Yogi says, "It ain't over till it's over."

Jesus has our days planned. He has work for us to do. We must persevere to the end and complete the task. 

In our older years, let us be encouraged by some who lived these principles:

  • Benjamin Franklin signed the Declaration of Independence at age 70.
  • Grandma Moses began painting at age 76 because her hands were too crippled to hold embroidery needles.
  • Roget published his Thesaurus at age 73 and oversaw every update until he died at age 90.
  • Peggy Smith, (age 84 and blind), and her sister, Christine (age 82 and crippled), were key people in the world-famous revival in the Scottish Hebrides.

God may have a home run planned in our extra innings.

Let's not walk or strike out, but let's go the distance for the Lord. I want to die a winner, don't you?

Which of these four "Don't Say You're Too Old" tips helps you move forward today?

Elaine W. Miller is an international author and speaker known for sharing biblical insights with warmth, enthusiasm, and humor. She is the author of three books including her latest We All Married Idiots: Three Things You Will Never Change About Your Marriage and Ten Things You Can (available in English, Spanish, and Bosnian). Residing in upstate  New York with her husband of 45 years, she enjoys having three married children and 11 grandchildren close by. Visit Elaine's website/blog to learn more about her unique ministry.

Graphic adapted, Image courtesy of photostock at FreeDigitalPhotos.net.

Monday
Nov232015

Share the Harvest

Dawn Wilson says, "Whether it's sharing a Thanksgiving care basket or a large sack of groceries, one of my favorite things to do at Thanksgiving is to Share the Harvest."

Our traditions of sharing the harvest in America go back to the days of the Pilgrims.

But sharing goes back much further than that. 

In Acts 2:46, we see the early disciples meeting together to break bread in their homes and eat together with glad, generous hearts. They were sharing the bread of harvest as a sign of their love and commitment to each other and the Lord.

And it goes back further than that.

After the exiles returned to Jerusalem (Nehemiah 7:1-5a), when Nehemiah was the governor and Ezra the priest and scribe, Ezra read the Book of the Law of Moses from morning until midday (Nehemiah 8:1-8); and the people understood the law and wept. But the priests told the people, "Do not be grieved, for the joy of the Lord is your strength" (Nehemiah 8:9-11).

That day was recognized as a special holy day for God's people and they worshiped and celebrated in booths—temporary shelters—at The Feast of Booths (Nehemiah 8:13-19). The Levites had already encouraged God's people to eat and celebrate and "send portions" of food to those who did not have food as part of their own celebration! (Nehemiah 8:12) They were to share their harvest!

And it perhaps goes back further than that.

Many people believe the Puritans' celebration of the harvest springs from the Hebrew Feast of Tabernacles (Sukkot), as taught in Leviticus 23. "For the ancient children of Israel, thanksgiving was a time of feasting and fasting, of praising God, of singing songs," one pastor writes. "It was a rich celebration...."

Perhaps their feasting might be considered sharing the harvest too.

Today, we have many opportunities to share the "harvest" in our pantries and refrigerators. 

1. We might share with and serve at a local soup kitchen;

2. Or take food to our church food pantry to help locals in need;

3. Or take a care package to a friend or neighbor;

4. Or invite a friend or family member—or a stranger-now-friend—to dinner in our home.

5. And if we don't want to share actual food, we can share cash or a check so a college student, young single mom, or needy family can enjoy buying their own special dinner.

At one time, I didn't even think about sharing my food. It wasn't that I was being selfish; I just assumed  everybody I knew had what I had in my kitchen pantry.

I didn't realize how privileged and blessed I am.

There is always someone with something more ... but far too often, there are MANY with far less.

It's not only a matter of good stewardship, but of Christ-like love. Thanksgiving leads to Thanks-living.

As we follow in the footsteps of Jesus, we must see the needs around us, and if we have the means to help, it's our responsibility, joy and blessing to share.

So how will you share the harvest—YOUR harvest—this Thanksgiving?

Dawn Wilson, founder and President of Heart Choices Today, is the creator of three blogs: Heart Choices Today, LOL with God (with Pam Farrel), and Upgrade with Dawn. She is the Director of the San Diego chapter of Network of Evangelical Women in MInistry (NEWIM San Diego). Dawn is the co-author of LOL with God and contributed "The Blessing Basket" in It's a God Thing. She and her husband Bob have two grown, married sons, three granddaughters and a rascally maltipoo, Roscoe.

Saturday
Jul042015

8 Ways to Celebrate Savings

Ellie Kay, "America's Family Financial Expert" ®, offers some easy, practical money savers in this Financial UPGRADE to help us become better stewards of our financial resources. With financial wisdom, we can share with people in need and support the Kingdom in tangible ways.

"Saving money can be a lot easier than you think," Ellie says, "if you know when and where to use the right websites and apps."

I (Dawn) have appreciated Ellie's budgeting and saving tips in the past, and this post has a few ideas I hadn't thought of before!

Ellie continues . . .

I just returned from Barksdale AFB, where we had the latest Heroes at Home Financial Education event. I absolutely love traveling around the country giving these events to our Heroes and Heroes at Home! 

There are several apps we always love to recommend (RetailMeNot, TravelZoo, etc.) because they are so easy to use and save money. But one of the things I love is that we are always learning more and more websites and apps through these military families we encounter.

According to James 1:5, if we lack wisdom, we can ask of God who will give it to us.  

So let’s CELEBRATE the savings with a few of our favorite ideas, that can help you become wise in the use of your money.

1. Organize your Inbox: Sign up for emails from your favorite stores and brands because they frequently send out sales, deals, and coupons to get you back into the store! But if you don’t want to get 20-30 emails in your inbox every morning, sign up for Unroll.Me. You are able to unsubscribe from lists through this email that you no longer wish to see.

2. Budgeting: Mint is a great site and app for budgeting that I recommend quite frequently. You are also able to pay your bills and see your credit score. Also check out GoodBudget (formerly EEBA) if you are an envelope system family, and for sharing budgets with members of the same household.

3. Gas: Waze is my favorite GPS app out there. It calculates the best route using both major highways and side streets. But one of my favorite features in this app is that it tells you the gas prices for all gas stations in your area. It will also calculate how far off your route each gas station will be. TripTik (by AAA) calculates mileage based on most economic route.  GasBuddy is another great tool for calculating a trip cost, gas price charts, and more.

4. Coupons: RetailMeNot is my recommended coupon app for retail stores. But also check out Coupon Sherpa for in store coupons to make sure you are always getting the best deal. If you are a fan of paper coupons, use SnipSnap to take pictures of the coupon and use your phone when it comes time to redeem.

5. Entertainment Tickets: Goldstar is a great site for finding half-priced tickets for shows and concerts in cities around the world. For Veterans and families, take advantage of Veterans Tickets Foundation, which is a great organization that provides free tickets to family members of troops Killed In Action (K.I.A.), our Military and Veterans to sporting events, concerts, performing arts and family activities.

6. Parking: Never overpay for parking in any city when you use BestParking. You are able to search city and airport parking to find and compare the best rates. This is a great tool for both planning trips, and getting a good price on the go.

7. Airfare: Looking for that special price for that trip coming up? Keep an eye out for the best time to fly at the best price with Hopper or BookingBuddy.com.

8. Other Apps – Travelzoo.com

What are some of your favorite ways to be a better steward of God’s resources? Let me know so I can keep spreading the word!

Ellie Kay is a regular expert on national television with ABC NEWS NOW’s Money Matters and Good Moneyshows. Ellie is also a national radio commentator, a frequent media guest on Fox News, and CNBC, a popular international speaker, and the best-selling author of fourteen books including her  newest release, The Little Book of Big Savings (Waterbrook, 2009).

Graphic adapted, Image courtesy of Feelart at FreeDigitalPhotos.net.