“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

Want to Save Money on Healthcare – Try Humor!

Doctor’s visits and medicines can consume a great deal of your time and expenditures – especially if you don’t have medical insurance.

Preventing disease is not always possible, but some physicians truly believe laughter is good medicine. For instance, cardiologists at the University of Maryland Medical Center in Baltimore found that people with heart disease were 40 percent less likely to laugh in a variety of situations compared to others in the same age group without heart disease. Michael Miller, M.D. concluded:

“The ability to laugh – either naturally or as learned behavior – may have important implications in societies such as the U.S. where heart disease remains the number one killer. We know that exercising, not smoking and eating foods low in saturated fat will reduce the risk of heart disease. Perhaps regular, hearty laughter should be added to the list.” (Source: Laughter is the Best Medicine for Your Heart/ University of Maryland Medical Center)

This is not the only medical article about the benefit of laughter. WebMD has an article entitled “Give Your Body a Boost – With Laughter.” Helpguide.org’s “Laughter is the Best Medicine: The Health Benefits of Humor and Laughter” lists physical, mental and social benefits of laughter. In that article, Paul E. McGhee, Ph.D. says, “Your sense of humor is one of the most powerful tools you have to make certain your daily mood and emotional state support good health.”

This principle is solidly biblical. Solomon (known as the wisest man who ever lived), says, “A merry heart does good, like medicine, but a broken spirit dries the bones” (Proverbs 17:22 NKJV). The Good News Translation puts it this way, “Being cheerful keeps you healthy. It is slow death to be gloomy all the time.”

My son recently sent me a picture that made me smile. If you don’t get it, try watching this YouTube link and see if you can keep from laughing: https://www.youtube.com/watch?v=kTcRRaXV-fg&feature=kpFinally

Good Advice from An Expert

Remodeling and renovating television programs are all the rage now – and they should be!

Knowing how to do something yourself not only saves money, but a great deal of pride goes along with the accomplishment.

Nate Berkus, host of American Dream Builders, had some great advice:


We’d all love to have an endless money supply, but that isn’t reality. That doesn’t mean a small budget can’t result in big style. You just have to be creative….

Your budget limits your wallet – not your thinking….

Truth is, each of us has the same chance to build a truly happy home.

While researching Money: How to Be Rich Without It and How to Stretch It Using Ten Hints from the Past and the Technology of Today, I discovered scores of people who have created comfortable havens of rest for their families and attractive, inviting places for friends to visit. They didn’t have a lot of money and in most cases, no money at all, but they were able to make their homes inviting places to be because they were creative.

Nate is so right. Creativity is the key. Your budget limits your wallet – not your thinking.



Frugality as a Virtue

For many reasons, I believe being frugal is a virtue. It is not only a wise approach to spending the money you have, but it is good stewardship of the resources God has given you.

In my book, Money: How to Be Rich Without It and How to Stretch It Using Ten Hints from the Past and the Technology of Today, there are many quotations about frugality. Here are two.

One is from an article on CNN. I really love the way Tim Jackson puts it: “Frugality offers us a way to re-enchant the future.”

“Frugality comes from the Latin. It speaks of bearing fruit. Of our ability to flourish, not through relentless material profligacy, but through a due attention to season and cycle and the processes of maturation. Austerity presents us with an arid world, stripped bare of meaning, devoid of hope. Frugality offers us a way to re-enchant the future.”- Tim Jackson, Frugal Living is New Road to Prosperity, Special to CNN, November 21, 2010

 The following is from God Himself. As the Creator of the world and owner of everything, God has no need to be frugal. He demonstrates the value of it, though, in an illustration I gave in the book.

Wastefulness and frugality are both attitudes – opposite attitudes. Frugality demonstrates a desire to honor God’s provision by doing our best with our resources – not wasting what we have.

“Jesus displayed this mindset when He fed the five thousand.  Obviously, He was capable of producing food any time He wanted to, but when all the people had been fed, He made sure what was left over was not wasted. Good stewardship should make us think the same way.”


The Miracle of the Loaves and Fishes, James Tissot, 1836-1902, public domain

And Jesus took the loaves, and when He had given thanks He distributed them to the disciples, and the disciples to those sitting down; and likewise of the fish, as much as they wanted. So when they were filled, He said to His disciples, “Gather up the fragments that remain, so that nothing is lost” (John 6:11-12).

National Financial Responsibility

ImageI recently read America the Beautiful by Dr. Ben Carson.  In a section on “The Founding Fathers on Financial Responsibility”, Dr. Carson says the following:

Thomas Jefferson, an incredible visionary, made it clear that the accumulation of huge debt by the government is not only unacceptable, but dangerous to the preservation of our nation. “I place economy among the first and most important virtues,” he said, “and public debt as the greatest of dangers. To preserve our independence, we must not let our rulers load us with perpetual debt.” It almost seems as if he had the ability to look into the future and recognize the natural consequences of ever-growing and unrestrained government. “The principle of spending money to be paid by future generations,” he added, “under the name of funding, is but swindling futurity on a large scale.”

Dr. Carson obtained the above quotes from Jefferson from two issues of http://www.working-minds.com/TJquootes.htm – issue #54 and Issue #59.

While we certainly need to be concerned about our personal economic situations, we also need to be very concerned about the economic views of those in our government for they have affected us, do affect us today, and will continue to affect us in the future.


Bring Your Favorite Discounts to Your Facebook Page

ImageI have been reading lately that one of the best ways to find discounts and coupons at your favorite stores are to “like” their Facebook page. I finally did that and noticed that not only will you get sale notices and discounts from those retailers, but their Facebook pages have some great hints on them. It takes just a minute to look up their Facebook page, “like” it and get the discounts rolling in.


Don’t forget to “like” your favorite magazines even if you don’t have or can’t afford a subscription. They are the ones most likely to have links and articles you are looking for.

Christmas Throughout the Year

Christmas is over. Or is it?

You don’t have to wait until next Christmas to offer someone you love the greatest gift anyone could receive.

The following was first posted on my other blog: http://www.onefocusministries/blogspot.com


Preparing for Christmas comes earlier and earlier each year. In years gone by, I remember decorations coming out in retail stores after Thanksgiving. Then some marketing expert discovered that the earlier advertisements, decorations and specials came out, the more money consumers would spend. It created a larger window in which to capitalize on what most people count as their favorite holiday of the year.

Now little ones start making their lists in January or even late December – sometimes before the Christmas decorations are put away. People plan Christmas in July projects and stores start decorating in September. Many people, including me, prepare for Christmas all year long – taking advantage of discounted wrapping paper, cards and decorations after the season is over and always on the lookout for Christmas gifts for next year.

The gifts are put in their proper place. The wrapping paper and boxes are either thrown away or stored. The house gets put back in order. The non-stop eating ceases and everyone gets serious about being healthier and focusing on projects that were put on hold during the Christmas holidays.

I do own a lot of Christmas decorations – some collected from countries all over the world, but my favorite is something my young son made me one year. He knew I wanted a nativity set and he started making one for me out of clay. He said he only had time to make one piece, but had started with the most important piece. He never finished it, but that was fine with me. I now have several nativity sets. One beautiful handmade ceramic set was given to me by a dear friend. I think of her with gratitude each time I display it. In the center of that nativity I place the piece made by my son those many years ago – the baby Jesus in the manger.

My son was right. The nativity is nothing without Jesus. Christmas was the beginning of the fulfillment of His plan to give us the most important gift we could ever receive. By choice, His cradle led to His cross and my salvation. I am grateful for that gift every day – not just on Christmas.

Thanks be to God for His indescribable gift!… For by grace you have been saved through faith, and that not of yourselves; it is the gift of God (2 Corinthians 9:15, Ephesians 2:8 NKJV).



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