A Girl of Wisdom is generous (continued!)

save-moneyI firmly believe that a Girl of Wisdom is wise with her money. Even as a teenager or young woman, she knows how to budget and how to save for the future. After all, how can you be generous if you have no wisdom in looking after your own money?

I encourage you to start actively deciding how you will spend your money. If you don’t already have a budget, make one! Use the budget activity in this chapter to help you. It’s really easy! Here are some simple steps-

  • Add up how much money you earn each week (pocket money, part-time job, chores, babysitting etc)
  • Add up how much you spend each week, which is not paid for by your parents or others, but comes out of the money you earn (food from the school shop, mobile phone credit, going out with friends, make-up, clothes etc.)
  • Your budget will quickly reveal how much you can really spend each week- you may need to adjust how much you go out or find cheaper ways of having fun!
  • Now for two challenges… in your budget, include money especially for generosity and saving for the future.
  • Challenge 1: Put aside 10% of your weekly money (for example, if you earn $50 in a week, put aside $5). This is to be spent on someone else for no reason… a little gift, buying them some food at school, getting them a card or just giving them the actual money if they need it!
  • Challenge 2: Save $1 per day ($7 per week) and put it into a separate savings account that yields high interest and that is hard to access. Get a parent, older sibling or another adult to help you do this if you are not sure of the different bank accounts especially designed for saving money. AND DO NOT TOUCH IT EVER!! Let it grow and by the time you finish school, you will have a great sum of cash to help towards buying a car, going away on a trip or another major purchase.

I once heard a great statement that I have never forgotten. A person, talking about money and being generous, stated, “Your money may leave your hand, but it will never leave your life.”

Think about that for a moment. When you choose to be generous, the actual cash may come out of your wallet and leave your hand, but the joy of knowing you have made a difference in somebody else’s life is worth more than any amount of cash. And what you sow, you shall reap- what goes around, eventually comes around. And nobody can take that away from you.


The sweetness of friendship- insights by guest blogger Sarah Derham.

Monday 22nd October 2012

After returning from an interstate trip to see one of my best friends, I was hit once again with the impact of how much her friendship means to me. I left her feeling refreshed, challenged, energized. Our time together was so good for my soul.

With five daughters between us and the craziness that this brings, the two of us were still able to grab a moment to sit together. On a warm Queensland afternoon, with a cool drink in hand, we had time to have a conversation.

Think of one of those deep, after-dinner chats with close friends where time stands still. Think of an impromptu conversation you’ve had with a friend where they leave you feeling somehow illuminated.  That’s the kind of conversation we had.

What I love about this friend is that she gets me, we laugh at similar things (even if no one else does), she loves my kids and regardless of the time apart we can pick up where we left off. She challenges me on areas needing attention and asks the hard questions. Whatever is said I know her motive is to help me become a better person as she speaks from a place of fondness and love.

Despite the distance, the passage of time and significant changes like marriages, kids and work, our friendship has continued to grow.  Why is that?  It’s because we both value the friendship.  We are motivated by love and as we have grown and matured we have continued to invest in it because we esteem it with precious value.

Proverbs 27:9 says,
“Just as lotions and fragrance give sensual delight,
 a sweet friendship refreshes the soul.”

As the feeling of a cool, fragrant cream being rubbed into the skin or freshening up with the smell of your favourite perfume is good for the body, so sweet friendships in life are good for the soul.

A Girl of Wisdom understands the importance of friendship. She knows how to be a good friend and places value on the special people in her world. She understands that the secret to a good friendship is not just that it is valuable, but it must be motivated at all times by love, and nothing else.

How could you show a friend that you value their friendship today?

Sarah Derham is a wife, mum of three gorgeous girls and a nurse. Living in Melbourne, Australia, she has a passion to see women discover and walk in their God given identity.

Show me the money!

Wednesday 6 June 2012

Money. We all have it in one form or another. Some earn more, some less and this is dependent on many factors such as age, type of job and hours worked per week. What is applicable to all is how you use your money.

The woman described in Proverbs 31 knows how to manage her finances. In verses 16 and 17 (NLT) it says:

“She goes to inspect a field and buys it; with her earnings she plants a vineyard. She is energetic and strong, a hard worker.”

No matter how great or small your finances are, our question to you today is, “How do you handle your finances?” Here are some thoughts for you.

1. Trust God with your finances. Money isn’t everything. Yes, in our society there are bills to be paid, food to be bought as well as many other expenses. First and foremost, trust God with what you have. Talk to Him about any concerns with your bank balance and ask Him to provide for your needs.

2. Make (and stick to!) a budget. There are many ways to do this, from excel spreadsheets to computer apps. Find a budget tool that works for you. It’s a great way to look at how much you earn and where your money goes!

3. Give some money away. Don’t keep it all to yourself. Find a reputable charity or perhaps something in your church, where you can give to those in need.

4. Invest wisely. Regarldess of your age or the amount of money you have to invest, seek some professional advice about where to invest some money for the future.

A Girl of Wisdom knows how to manage her finances. She trusts in God, is aware of her expenditures, seeks advice on investments and loves to give some of her earnings away to those less fortunate than herself.

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