Thursday, June 18, 2009
My Review of Lord I'm Ready to Be a Wife by Christine Pembleton
Wednesday, September 10, 2008
Building a Financial Legacy
Consequently, I made a mess of my finances and nearly forfeited my future. I’m certain that many of you have heard a number of sermons, read books and attended at least one wealth building workshop. If so, I want to reinforce what you've learned by encouraging you to "kick it up a notch." I applaud those of you who are already operating in fiscal wisdom; but for those of you who may be headed down the same path that I was on; I implore you to make a U-turn immediately! Do whatever it takes to get yourself on not only stable, but fiscally fertile ground.
Step One: Take Ownership
For some, the following doesn't apply. But for anyone whose finances are bruised or in trouble because of something you've done, or perhaps failed to do, honestly admitting your error is the first step to recovery.
Step Two: Repent and Ask Forgiveness
Most of the time when we think of repentance and forgiveness, sins like lying, cheating, stealing, backbiting, etc. come to mind. But do you realize that misappropriating the monetary sustenance that God provides us with is a sin as well? Do you subscribe to God's financial premises or have you robbed Him of the tithes and offerings He requires? Malachi 3:10 KJV
Step Three: Identify Your Issues with Money
Money mishandling can stem from a number of different sources which could even be tied into your emotions. Sometimes people handle money recklessly for reasons that are rooted in anger or in an attempt to compensate for low self esteem. Ask God to give you the strength to take a cold, hard look at the how and why of your finances. If you earn a decent salary, but find that you're always chasing money - only to have it seemingly disappear, then there is an underlying issue that needs to be uprooted.
Step Four: Seek Wise Counsel
It's no secret that nearly everyone is feeling the affects of today's economic crunch. The extent to which you are having financial difficulties is relative to your own individual situation. You may be able to simply cut corners here and there to get your finances on track. But if you are drowning in debt, it would be wise to ask the Lord to direct you to a reputable financial professional who will help you map out a plan of salvation for your finances.
Step Five: Set Goals
The biggest mistake I made with my finances is not knowing where my money was going to end up. Sure, you know you have certain monthly bills that have to be paid or else you'll end up living in somebody's basement. You have to be able to accurately track your money. Most of us have Excel or a similar spreadsheet program already loaded onto our computers, but for those who need a template based program, perhaps you might do well by investing in an accounting program like Quicken. You will need to do some research to find which system works best for you.
Step Six: Get to Work!
Faith without works is dead. You can recite affirmations, consult the experts and pray three times a day facing the east all you want; but if you don't put legs on those prayers, affirmations and advice it's all for naught. If you're financially solid right now, consider enlarging your territory and build upon what you've established. But if you're in over your head and not earning enough money to pull yourself out of the hole, it might be necessary to seek a part-time job, start a typing service or do hair in your kitchen to earn extra money, for example. Who knows, this could turn out to be the catalyst to take you from a mundane, perhaps even worrisome life, to becoming a savvy money mogul.
Declaration of Financial Empowerment
"From this day forward, I declare my vigilant and lifelong commitment to financial empowerment and hereby pledge the following..."
2. I will use home ownership as a foundation for building wealth.
3. I will be proactive in managing my budget, credit, debt and tax obligations.
4. I will maximize my earning potential, live within my means and commit to saving and investing at least 10% of my income.
5. I will ensure that my investments are properly diversified and correspond to my current financial goals.
6. I will immediately commit to a program of retirement planning and investing.
7. I will preserve and protect my assets through proper financial and insurance planning.
8. I will ensure that my children receive a thorough education on financial and business matters.
9. I will ensure that my wealth is passed on to future generations through proper estate planning.
10. I will use a portion of my wealth to strengthen my community.
"A wise steward will not only manage her day-to-day financial operations prudently, but plans for her future and prepares an inheritance for her children's children."
Wednesday, September 3, 2008
Keep Him Covered!
Wednesday, August 27, 2008
BFFs
The following poem circulates on the internet perpetually. I felt it appropriate to include in this blog.
"Time passes. Life happens. Distance separates. Children grow up. Jobs come and go. Love waxes and wanes. Men don't do what they're supposed to do. Hearts break. Parents die. Colleagues forget favors. Careers end.
BUT.........
Sisters are there, no matter how much time and how many miles arebetweenyou. A girl friend is never farther away than needing her can reach. When you have to walk that lonesome valley and you have to walk it byyourself, the women in your life will be on the valley's rim, cheering you on, praying for you, pulling for you, intervening on your behalf, and waiting with open arms at the valley's end. Sometimes, they will even break the rules and walk beside you...Or come in and carry you out.
Girlfriends, daughters, granddaughters, daughters-in-law, sisters,sisters-in-law, Mothers, Grandmothers, aunties, nieces, cousins, andextended family, all bless our life! The world wouldn't be the samewithout women, and neither would I."
Many wives say that their husbands are their best friends, your's truly included. Additionally, I am blessed to have several BFFs (Best Friends Forever). They are ladies in my circle of influence who are near and dear to my heart. Some of them are my age, some young enough to be my daughters, some seasoned enough to be my mothers. Some of them have become my friends within the past couple of years, others within the last twenty years; and then there are those precious jewels who have been my girlfriends since we all had waistlines (my BFF Thomasina still has a waistline, and I think she can probably still do a cartwheel). All of my friends are a necessary part of my life but not necessarily at the same time. I'm bound to my girlfriends by the interests we share; by business ventures, church or community involvement. One thing we all have in common is the love of Christ.
I've been told that you can only have one or two real friends and for most that might be true. Fortunately the relationships I have with the women I'm referring to have stood the proverbial test of time. I've also enjoyed short term, transitional relationships which were meaningful for the season in which they took place.
A woman who like me, has been blessed to have a loving, supportive husband and nuclear family is fortunate indeed. And I don't take that privilege lightly. It's such a treat for me to be in the company of my true, got-your-back-no-matter-what girlfriends.
I've heard women say I just don't trust other women or I don't get along with other women and I feel sad for them. Women who subscribe to the philosophy of mistrusting or avoiding friendship with other women based solely upon their gender have either had a very bad experience or have been trained to think that way from an early age.
Women have told me they don't trust other females or have girlfriends because the girl I thought was my best friend stole my boyfriend/baby's daddy/husband. They cut the friend off (and rightfully so) but let the cheating man off the hook with some sort of warning - placing the weight of the blame on the woman.
Food for thought: Some women will deny themselves the pleasure of having meaningful friendships with deserving women because they don't want to risk getting burned again, but continue to get involved in toxic relationships with the same man in a different suit.
But, as they say I digress to the benefits of having a girlfriend or two in your life. There are things you can share with your girlfriend that your husband can't - and doesn't even want to relate to. For example, your hormonal issues, the way the guy in the next cubicle is trying to take credit for your hard work, the woman in the alto section who you think gives your husband way too much attention... Those are conversations men often dismiss as "emotional" or as"female paranoia" - and sometimes they may even be right. I often tell my husband he can't relate to some of my feelings and opinions because he doesn't have a uterus! It's wonderful though, to have the freedom to bounce our feelings, be they ligitmate or not, off your girlfriends.
You can be real with your girlfriends; you don't ever have to be on. No age group has a monopoly on geniune relationships. They can be enjoyed during with the Pimply PMSing teen years, the neurotic, psychotic 20s, the Think-you've-got-it-all-together 30s, the Fierce 40s and, where I am today, the Fabulous 50s.
As with any relationship, the time spent and energies invested in establishing, cultivating and maintaining a relationship with girlfriends requires prioritizing and balance. You can't neglect your household, work or family in favor or your girlfriend, unless of course she is in crisis mode. In that same vane, the woman your kids call "Auntie" should not be sitting at your kitchen table every time your husband comes in from work and you shouldn't be running over to her house all of the time. There isn't a set calculation for what is considered reasonable and what is not. That is dictated by the needs of your household and should be agreed upon between you and your husband.
Imagine your life as a scaled down dart board. In the center, the bullseye, is Jesus, your spiritual core, the next "ring" represents your husband, then your family. The rings don't end there, and neither does your life. Our total being is made up of many components. Work, personal interests and non-nuclear relationships are among those components. A woman who excludes rich external relationships may not be aware of the myriad of benefits derived from having at least one BFF.I encourage the outlets of lunch dates, chick flick nights, women's retreat, pamper parties, etc. Being involved with girlfriends in the proper context, can help you as a wife to maintain a sense of self and simply adds joy. If you're a person who can't get into female relationships, but would like to, email me and perhaps we can get to the root of the matter.
I conduct a powerful workshop for women entitled, Your Slip Is Showing, which addresses the development and maintenance of agape friendships between women. For information about how you can bring Your Slip Is Showing to your women's group, email me at wisdomforwives@gmail.com.
By the way in case you were wondering, the little ladies in the picture are two of my eight granddaughters.
Wednesday, August 20, 2008
Take a Time Out!
- Support from an understanding husband or close friend helps you handle pressue and stree more effectively. Knowing that someone not only knows about the burden but comes along to help you bear up under the load makes every crisis more tolerable.
- Women are refreshed and invigorated by being able to walk away from burdens even if it's just for a few hours. Such time for yourself can provide renewal of energies and revival of spirt and can produce creativity and stimulate productivity.
- Women need to guard against overcommitment. Even good and godly pursuits must be weighed against the purposes of God. You must learn to say "no," determine to slow your frantic pace, resist the temptation to add more and more to your schedule. Busyness is not necessarily godliness. Perhaps your "R and R" should be Reprioritizing responsibilities and Rethinking free time.
Being tired is a physical affliction. Being weary, on the other hand is a spiritual attitude that results in part from blaming God for your own sinfulness. Life will never free you from fatigue, but fatigue can bring you to the point of setting aside the mundane cares of the world in order to open your heart and sould to the Lord. God can use fatigue to:
- Cause you to look to Him for satisfaction
- Administer correct as He pulls back His hand of strength to force you to slow down for refueling, and
- Prepare you for a greater challenge.
God has promised to satisfy the weary sould and replenish faithfully the sorrowful heart. Sometimes that means "He makes me to lie down". Physical frailties may cause you to miss earthly fun and fellowship, but spirutal resources will enable you to grow stronger on the bed of affliction.
Split Second Bible Lesson: Mary and Martha
Martha's Viewpoint
When we visit friends and relatives we have a good idea of how they think and act. Jesus was no different. He appreciated the differences among His three friends and felt comfortable enough to offer constructive advice as to their priorities.
Martha's outlook on life was quite different from Mary's. It is possible that Martha was older and that her age figured into her personality and perspective. Martha's words and actions depict her as practical and efficient. Nothing is wrong with being practical and efficient if it doesn't interfere with the more important things in life. If it does, it can become a problem. God recorded important examples for us in Scripture (1 Corinthians 10:11), so we can learn from Martha's and Mary's recorded actions.
Mary's outlook
"And she had a sister called Mary, who also sat at Jesus' feet and heard His word" (verse 39). If one were to read no further, one could assume Mary may have been a little lazy, leaving the needs of hospitality and hostess to her gregarious sister. It was Martha who invited Jesus into their home. It was Mary who simply sat at Jesus' feet, listening to Him talk. Who was the more hospitable, the more sociable? Who was more concerned about serving her Savior, Martha or Mary?
Maybe Mary was shy. But we should consider Jesus' evaluation of Mary's actions. "But Martha was distracted with much serving, and she approached Him and said, 'Lord, do You not care that my sister has left me to serve alone? Therefore tell her to help me.' And Jesus answered and said to her, 'Martha, Martha, you are worried and troubled about many things. But one thing is needed, and Mary has chosen that good part, which will not be taken away from her " (Luke 10:40-42).
In a nutshell, Jesus reminded Martha, the hostess-with-the-mostess, that while He appreciated all that she was doing for Him, she was missing out on things that matter most...The "good part which will not be taken away from her."
The key is to value the investment of being still, taking time out to hear from God; to rest the body and to commune with those we love.
Monday, August 11, 2008
Pressed Down, Shaken Together and Running Over!
Tuesday, July 29, 2008
Today's Pearls of Wisdom - The P31 Wife
She's got this calendar thingy on her refrigerator that is color-coded so that there is no room for error in schedules and chore assignments. She's the Proverbs 31 Woman of the 21st Century and almost my complete opposite.
My mother-in-law, God rest her soul, was her generation's P31 Woman. The house my husband grew up in always looked like a show room and for years, he had a hard time understanding why I couldn't get it together the way his mother did. After all, she too had a full time j-o-b, was active in her church, and was also raising kids...and a husband (smile). So what was wrong with me? I wondered the same thing for years. Then one day it dawned on me that I simply wasn't her. Nor was I the blessed saint who raised me - my grandmother who also ran her house like a well oiled machine.
When I became a wife (again) some 23 years ago, I starting making futile attempts to keep all the balls in the air at once. I could probably pay a car note with the money I've spent on dry erase boards, Franklin Planners and other tools to help organize this circus I run on the corner of Wildemere and Thatcher.
After years of failure to become a Proverbs 31 Woman, I recognized that the blaring difference between me and the P31Women I know was not skills, but rather the choices we make in how we spend our time. Unlike the P31s, I spend a lot of time interacting with, and hands-on care for my family. On the other hand, the P31s tend spend much of their time doing, while I choose to spend more time being. This is not to be construed as an indictment against the Proud, the Few, the P31s; it's simply an observation of human nature.
My husband admitted that his childhood home was clean, almost sterile and so was the family's level of interaction. There were no story times, toys were shelved and on display in their original packaging rather than played with. Hugs and kisses were reserved for infants and toddlers. Conversation at the dinner table was limited mostly to the adults.
When I realized all of this, I chose to free myself from the guilt of not being a perfect housekeeper, but rather to enjoy my health, my family and the things I love being. I realize that revelation still doesn't afford me a license to be a slob. I learned to incorporate tools and habits which make my household what I like to refer to as organized chaos. My house is clean but not always neat. This year my garden is admittedly pitiful. Nevertheless my grandchildren and I splash about in their inflatable pool, hula-hoop, and make sorry replicas of sand castles like nobody's business.
I've just about mastered the art of multi-tasking. For example, I often take my laptop out onto the deck and chip away at my novels and blogs while the children play in the safety of our backyard. I do loads of laundry and serve my mom's lunch between episodes of Mr. Rogers and Caillou; and I still manage to crank dinner out at least five nights per week. That's in addition to my mom's breakfast, lunch and meds e-v-e-r-y day! Maybe that qualifies me to at least be an Associate P31 or a Suffragan P31.
A Word of Advice:
I would venture to guess that most of my readers are newlyweds or have very young families. At this stage in life it seems very important to please EVERYBODY. But I caution you to be sure to make relationships and quality time with your family a priority. If not, trust me one day you will look up from that mop pail and see a pair of long legs attached to the stranger who used to be your baby. The same one who currently paints your walls with peanut butter and jelly. Kids grow up way too fast. Enjoy these precious times while they're little because with kids, there are no do-overs. I wouldn't trade the love, joy and laughter we share for all of floors so clean you can eat off them and the neatly-folded-April-fresh laundry in the world.
Some of you might be feeling that you just don't measure up. Pray and ask the Lord to reveal what level of Proverbs 31 Woman He has made you to be. Perhaps you need strengthening and training in some areas, perhaps you need to substitute some activities for others. He will let you know just what is needed for your family. It's fine to have a role model as a template for how to run your house, but a Wise Wife realizes that one of the most detrimental things she can do is to measure her success or failure by someone else. Personally, I'm striving but not stressing to join the ranks for the blessed and highly organized.
Tip: There is a wonderful online community which offers a plethera of information and helpful hints for running your household more efficiently. Check it out! http://flylady.net/
Split Second Bible Lesson
In Proverbs 31, King Lemuel's sweet and well-meaning mother spelled out the characteristics of the woman he should consider marrying. She tediously listed the attributes that he should look for in the woman deemed worthy of carrying his honorable name and bearing his strapping sons and dainty daughters. I shared in a previous blog (dated June 18, 2008) that I did something very similar years ago when seeking the Lord for my perfect mate. The Queen Mother described a conglomerate of perfected traits that all of us wish we possessed. However when doing so, she was not gazing across a flowery meadow and pointing out an identifiable fair maiden. What mother wouldn't want her future daughter-in-law to be all that? The P31 Woman was, as described, a rare jewel... illusive and perhaps even non-existent in totality.
The virtuous wife/homemaker/entrepreneur described in Proverbs 31 is by all means a role model by which every Christian woman should aim for. We have to keep in mind that, as with all other aspects of our lives, we are a perpetual work in progress. So if and when we fall short of our aspirations to reach P31 status, we should not wallow in our shortcomings, but rather reevaluate our goals and continuously seek to understand God's perfect will for our lives. By the way, have you ever noted the fact the Proverbs 31 woman had servants?
Our God is loving, compassionate, all-seeing and all-knowing. He is even aware when we're perplexed about how to get grape juice stains out of little Kenya's pink church dress. We're instructed to take His yoke upon us for His yoke is easy and His burden is light. Matthew 11:29-30. In the meantime we are to acknowledge Him in all things, including what we consider the big as well as the small. Proverbs 3:3-5. So while we are busy going about His business, He is taking care of ours...no matter how trivial we might think it to be.