“Money: How to Be Rich Without It and How to Stretch It Using Ten Hints from the Past and the Technology of Today”

Since I have created this blog to help you stretch your money, I have decided to do just that and have put new pricing on my book.

Check out Amazon and Smashwords for new pricing. There are reviews and a sample chapter on this site. Check out tabs above.

I would love to hear from you after you read it. 41NydAJhNoL._SY344_PJlook-inside-v2,TopRight,1,0_SH20_BO1,204,203,200_

Here is a preview of Money: How to Be Rich Without It and How to Stretch It Using Ten Hints from the Past and the Technology of Today

“Money is often on my mind. Chances are it is on your mind, too. Whether we have a lot of it, just enough of it, not much of it or none at all, money is on our minds.”

With frugality in her DNA, the author explains her lengthy title in the foreword: “Since your perception of riches has a great deal with how you approach your handling of money, the best starting place is Money, How to Rich Without It. In this book, I talk about millionaires who don’t fit the profile you would normally expect as well as some people I know who are rich beyond description although they don’t have any money. In these two extremes, I found a common denominator: the right attitude toward money.

… perhaps it’s time to rethink the wisdom of those who have gone before us. A miserly attitude is not the answer, but because they survived during some very rough times, maybe their advice is worth another look, thus the reason for a look at Money: How to Stretch It Using 10 Hints from the Past.

We do, however, live in the 21st century and have advantages that our ancestors could not have even dreamed of, thus the addition of and the Technology of Today. The appendix has an abundance of websites and resources that will help you stretch your dollars.”

Written from a Christian perspective, the book also includes an overview of what the Bible says about money.

Order paperback and Kindle at http://www.amazon.com/Money-Without-Stretch-Using-Technology/dp/1479389161/ref=sr_1_1?ie=UTF8&qid=1391084095&sr=8-1&keywords=money%3A+how+to+be+rich+without+it

Download available in all formats, including PDF and Sony Reader: https://www.smashwords.com/books/view/221060

Those That Have Gone Before Us

This post was first published on my other blog: http://onefocusministries.com/2014/09/19/those-that-have-gone-before-us/

I am reposting it here as a reminder that it is not what we do with our money, but how we live our lives that ultimately really matters.

Those That Have Gone Before Us

I have members of my family and friends who have preceded me to heaven. I think of each of them often and the things they did and said.

When I clean up after a meal, I can hear my sister saying, “The kitchen is not clean until you have swept the floor.” When I think of my dad (which I do often), I remember him saying, “When God is through with me, He will take me home.” When I think of my close friend, I remember her life principle, “God is faithful.”

It does not need to be a single saying that brings back memories. The relationship I had with some of my loved ones continues to speak to me.

Frank Ballard, WWII photoMy dad and I were very close. He called me his “blessing in the Lord.” His mother, in days when divorces were rare, divorced her alcoholic husband and raised four children on her own teaching each one of them to love the Lord. His older brother took his position in the family seriously and looked after every member of the family. He taught his sons to do the same.

I often think of my father-in-law’s patience and love as he cared for my mother-in-law through her long bout with Alzheimer’s. I also remember how birthdays were so important to him. His calendar was filled with reminders to send cards to his family and friends. His mother was an amazing witness for the Lord and his wife’s mother was one of the sweetest Christians I have ever known. They both had a great influence on me.

I miss my sister by choice so much. She had an unconditional love for me. I never had to explain myself to her. She knew instinctively. There was no one else in my life like her.

Picture 458Although dead, they still speak to me.

God reminds us what we say and what we do in this life lives on. This reality is sobering. We all have done things and said things we would not like to be remembered for. While we are still here, though, there remains opportunities to be a positive influence and hopefully be remembered for our trust and faith in God.

By faith Abel offered to God a more excellent sacrifice than Cain, through which he obtained witness that he was righteous, God testifying of his gifts; and through it he being dead still speaks (Hebrews 11:4).

Patience Can Stretch Your Money

Everyone knows the dangers of impulse buying. You can easily acquire things you don’t really need at prices you really shouldn’t have spent.

The antidote to impulse buying is patience. If there is an item that you really do need, comparison shopping online and in stores can be a great help. There are so many tools and apps available now that can help you do just that.

One tUSCurrency_Federal_Reservehing that is very helpful is to know cycles of when things go on sale. For instance, Christmas cards and decorations are sold at deep discounts after Christmas. It is easy to find out when something else is scheduled for discounted prices as well.

If you shop specific stores, you can get very familiar with not only their sale cycles, but the fact that they send their loyal customers great coupons to use. It is wise to sign up for mail notifications from every place you frequently shop. My husband and I look forward to discount coupons from our favorite supply stores since we are doing a lot of construction work. I watch out for the $5 off $15, $4 off $20 coupons from the drug store and dollar store I frequent the most. That is when I go in to stock up on toiletries, etc. I recently purchased an expensive item for our medicine cabinet for next to nothing because I waited – I had several drug store coupons I could use at once. That $24 item and a can of tomato soup cost me $.48!

When shopping online, I have noticed that if I get as far as the checkout and decide against the purchase, that I get an email offering me an even deeper discount if I go back and complete the purchase. Sometimes I do and sometimes I don’t complete the purchase, but it lets me know that it is a common practice for online shopping.


Plates I got for free at the close of an “antique alley” sale. I didn’t pass them up!

The only exception to impulse buying is when you see something you want or need at a yard sale or a thrift store. The one-of-a-kind thing you had been looking for may well disappear if you wait. At those prices, it is better to snap them up when you see them.

Money Stretching Ideas from WWI

Recently I downloaded a free ebook, Foods That Will Win The War and How to Cook Them (1918). There are several places you can download this book.

Some of the suggestions are a little outdated since this was written in 1918, but surprisingly many of the principles mentioned can still be applied today to help each of us stretch our dollars.

Here is an excerpt which is helpful:

When we come to waste caused by careless preparation we may be reminded of the miracle of the loaves and fishes – how all the guests were fed and then twelve baskets were gathered up. Often after preparation that which is gathered up to be thrown away  is as large in quantity and as high in food value as the portions used.

640px-Cucumber_soupVegetables are wasted in preparation by too thick paring, the discarding of coarse leaves such as are found on lettuce, cabbage and cauliflower, discarding wilted parts which can be saved by soaking, throwing away tips and roots of celery and the roots and ends of spinach and dandelions. All these waste products can be cooked tender, rubbed through a sieve and used with stock for vegetable soup, or with skimmed milk for cream soup. Such products are being conserved by the enemy, even to the onion skin, which is ground into bread-making material.

Throwing away the water in which vegetables have been cooked wastes their characteristic and valuable element – the mineral salts. Cooking them so much that they become watery; under-cooking so that they are hard and indigestible; cooking more than is required for a meal; failing to use left-over potions promptly as an entree or for cream soups or scalloped dishes – all these things mean an appalling waste of valuable food material. Good food material is also lost when the water in which rice or macaroni or other starchy food has been boiled is poured down the kitchen sink. Such453px--Save_Food_for_World_Relief._That_crust_of_bread_you_wasted-_That_bit_of_meat_you_nibbled_and_left-_That_plate_of_left-_-_NARA_-_512529 water should be used for soup making.

Fruits are wasted by throwing away the cores and skins, which can be used for making sauces, jams and jellies, the latter being sweetened with corn syrup instead of sugar.

Rhubarb is wasted by removing the pink skin from young rhubarb, which should be retained to add flavor and color-attractiveness to the dish.

Raw food in quantity is frequently left in the mixing bowl, while by the use of a good flexible knife or spatula every particle can be saved. A large palette knife is as good in the kitchen as in the studio.

This book was not written to save money, but to save things that were needed for the war effort. Saving money was a side product of the book. I enjoyed reading it for its historical value as well as the hints for stretching your money.

The Perfect Recipe

The post below was first posted on my other website: http://onefocusministries.com/

The recipe for the sourdough biscuits referred to in this post was posted on this website on September 27, 2012


I like to cook. Although my husband doesn’t believe it, sometimes I follow a recipe but I often like to make something from what I have on hand. If I use the right ingredients, it does not matter whether it is my recipe or someone else’s. The perfect dish is a combination of ingredients that blend together well, tastes good and brings nourishment to our bodies.

I may mix up those good ingredients, however, and not finish the task. If I never put them in the oven and bake the dish, it is never completed – no matter how perfect the ingredients are.

IMG_1013 IMG_1015For instance, I love to cook breads. Sourdough biscuits are my favorite. I take great care to always have the right (perfect) ingredients on hand so that I may cook them at any time. When I am ready to fix these biscuits, I put together a combination of flour, baking powder, salt, baking soda, oil and sourdough starter in a bowl. Those are the perfect ingredients. I didn’t make those ingredients. I just use them.

If I leave that mixture in the bowl on the counter, we will never have biscuits for breakfast. In fact, it would at some point become a smelly mess. I must put it in the oven to complete the process. Only then are my biscuits perfect AND complete.

I’m not sure if that’s exactly what God meant when He talked about the process of perfection and completion in us, but I think it might be a little like that.

The ingredients God provides for us are perfect. Those are the resources He makes available to us: salvation through His Son Jesus, mixed with the guidance and gifts of His Holy Spirit along with the blessings and trials we need in order to complete our walk with Him. Throughout our lives, we must be faithful and patient to use these resources wisely. If we do, the result of His perfect work in us will enable us to stand “perfect and complete” before Him.

My brethren, count it all joy when you fall into various trials, knowing that the testing of your faith produces patience. But let patience have its perfect work, that you may be perfect and complete, lacking nothing (James 1:2-4). Epaphras, who is one of you, a bondservant of Christ, greets you, always laboring fervently for you in prayers, that you may stand perfect and complete in all the will of God (Colossians 4:12).

Amazon Smile and Swagbucks: Two New Ways to Stretch Your Money

I recently discovered two very good ways to stretch your money. They are two different websites: one enables you to donate to your non-profit of choice at no cost to you and the other allows you to earn points toward gift cards while searching the internet. How good is that!

Amazon Smile

Amazon Smile is the same Amazon we all know and use, but if you designate a non-profit of your choice through www.smile.amazon.com and make your purchases through that portal, Amazon will give .5% of the purchase price from your eligible AmazonSmile purchases to your chosen charity. Everything else about your Amazon account is the same.

For instance, my husband and I are missionaries with Xtend Ministries International (www.xtendinternational.com) and this is what he recently posted regarding Amazon Smile:

This is a new way you can help us spread the gospel among the nations. It’s the same Amazon you are used to but when you enter through this portal and designate Xtend Ministries International as your charity your purchases will result in support of XMI with no cost to you. Thank you for participating and for helping to declare God’s glory among the nations.

If you do not already have a non-profit you would like to contribute to, we would appreciate your indicating Xtend Ministries International as your non-profit. It only takes a few seconds.


I do a lot of internet searches for information related to my writing as well as just general information. I discovered www.swagbucks.com recently. If you search through their portal (they use the Yahoo search engine), you can earn points toward various gift cards. There are other ways to earn points as well, but I don’t take time to do surveys, etc. I just have that site as one of my favorites and use it each time I want to do a search.

For instance, the money images below were obtained through a search on http://www.swagbucks.com for public domain images of money.

th-1 th-2

More Free Ebook Sources

I have posted before about free ebooks offered for only one day on Kindle Buffet. I have discovered some more sources for free ebooks. Free is always good!


Ebookfriendly.com http://ebookfriendly.com/free-public-domain-books-sources/gives a list of 25 sources for public domain books. These usually take a bit of searching for the ones you want, but it is often worth it. As they mention, you will often find one of these public domain books for sale on one of the major book seller websites because the books in public domain can legally be reprinted and sold. So, it is wise to check out the public domain sources first.

27d6f3ed669900b6a4a66323e214ed7dAnother source of free ebooks is Bookbub. The free offerings are interspersed with books for sale, but the good thing about this site is that you can choose your preferred categories eliminating the need to wade through types of books you are not interested in. https://www.bookbub.com/home/

If you have a way to read ebooks, there are many ways to download free ones. Enjoy!

Are You Wasting Your Money?

I recently read a post on Dave Ramsey’s blog about ten things Americans waste money on – http://www.daveramsey.com/blog/10-things-americans-waste-money-on

Dave is right on, as usual, with his recommendation. What he is really saying is think before you spend your hard earned money.

We are inundated with the temptation to spend just a little here and a little there. It all adds up.

Here is my list of three things we waste money on – just in the food area.

1) Food we throw away

How many times have you put leftovers in your refrigerator just to throw them away when you can no longer remember when you put them in there? There are two solutions to this. Either get in the habit of examining your leftovers every day to see if you can serve them again – either for lunch or maybe in a new dish containing the food item – or freeze all leftovers the day you serve them. If you freeze small portions of vegetables in a container, you will soon have enough for a soup. For instance, I freeze small quantities of corn for use later in rice pilaf, save small bits of bread for bread crumbs, etc. Make sure you label each item well, use your creativity and you will no longer waste food.

2) Impulse Buying

Going to the store with a shopping list is always a good idea. Every store manager wants you to purchase more than what you have on your list. Most stores are arranged so that you can seldom go directly to the necessities. For instance, milk and bread are hardly ever at the front of a grocery store. You have to pass rows of other items first. Unless you find something that you will definitely use, is a bargain and you have a place to store it, stick to your list and resist impulse buying.

3) Emergency Trips to the Grocery Store

Queensland_State_Archives_1406_Eventide_Home_Sandgate_October_1949One of the reasons a grocery list is so important is that every pantry has essential items. For instance, if you make sure you always have flour, sugar, milk, bread and spices you normally use on hand, you will seldom have to make an emergency trip to the grocery store. That trip costs time and money and increases the temptation for impulse buying. Those who live a distance from the nearest grocery store train themselves to stock up when they go. You can train yourself to do that as well even if you live in town close to a store.

You are the one who decides whether you will spend your money wisely, save it for the “rainy day” (it seems to have been “raining” a lot lately!) or waste it.

SSMD0040B 001


Get every new post delivered to your Inbox.

Join 38 other followers