Plastic Surgery

Thanks Discover, but I have a better idea and it involves a pair of scissors and a garbage can

The Deadliest Trap

One of the most deadliest traps that the enemy uses to destroy lives & marriages is money! There are 2,350 verses in the Bible talking about money. Jesus talked about money a lot…In fact, 11 of the 39 parables that Jesus taught dealt with money.

This sermon series will be one of the most practical series dealing with money that you will ever hear! Spread the word…series begins on October 5th.

The Choice Of Living On Less

Naomi and I have had some great discussions lately about our standard of living and our overall household expenses. Since leaving my job (and leaving my nice sized paycheck), some significant adjustments in our lifestyle were necessary. This was something that we had planned for and fully expected going into this new & exciting adventure of church planting. Fortunately, we are in a position of being debt free except for our mortgage. We would have never been able to do what we are doing if we had car payments, credit cards bills, and installment loans.

We have cut out expenses based on our values and our financial goals. Here are a few of the things that we have done recently to live on less…

• We shopped for cheaper car insurance. We increased our deductible, lowered our tort option and are now saving $200/month.
• We lowered our cell phone plan and saved $20/month.
• We have limited our going out to eat to 1 x/week which has saved us at least $200/month.
• We canceled cable! You might think that’s weird, but we simply don’t need it, not to mention that the rates are going up next month. This saved us $114/month.
• We are working on refinancing our mortgage which should lower our interest rate by 1%.

Total monthly savings so far = $534/month

Do you have any expense cutting tips? Let’s hear them…