“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

The Source of Good Advice

We can learn a lot from others – those who have “been there, done that.” That is certainly true in the area of stretching your ever increasingly shrinking dollar!

Some of the wisdom emanating from those we admire originated in scripture – whether they knew it or not.

Martha_Washington“I am still determined to be cheerful and to be happy in whatever situation I may be, for I have also learnt from experience that the greater part of our happiness or misery depends upon our dispositions and not upon our circumstances.” – Martha Washington

…for I have learned in whatever state I am, to be content; I know how to be abased, and I know how to abound. Everywhere and in all things I have learned both to be full and to be hungry, both to abound and to suffer need (Philippians 4:11-12).






640px-Froosevelt“Let me assert my firm belief that the only thing we have to fear is fear itself – nameless, unreasoning, unjustified terror which paralyzes needed efforts to convert retreat into advance.” – F. D. Roosevelt

Therefore do not worry, saying, “What shall we eat?” or “What shall we drink?” or “What shall we wear?” . . . For your heavenly Father knows that you need all these things. But seek first the kingdom of God and His righteousness, and all these things shall be added to you. Therefore do not worry about tomorrow, for tomorrow will worry about its own things. Sufficient for the day is its own trouble (Matthew 6:31-34).

For God has not given us a spirit of fear, but of power and of love and of a sound mind (2 Timothy 1:7).



640px-Calvin_Coolidge,_bw_head_and_shoulders_photo_portrait_seated,_1919“Industry, thrift and self-control are not sought because they create wealth, but because they create character.” – Calvin Coolidge

Keep your life free from the love of money, and be content with what you have (Hebrews 13:5 NASB).

Command those who are rich in this present age not to be haughty, nor to trust in uncertain riches but in the living God, who gives us richly all things to enjoy (1 Timothy 6:17).








“Goodness is the only investment that never fails.” – Henry David Thoreau

A little that a righteous man has is better than the riches of many wicked (Psalm 37:16).  

I have come that they may have life and that they may have it more abundantly” (John 10:10).





Benjamin_Franklin“Money has never made man happy, nor will it, there is nothing in its nature to produce happiness. The more of it one has the more one wants.” – Benjamin Franklin

Whoever loves money never has money enough; whoever loves wealth is never satisfied with his income. This too is meaningless (Ecclesiastes 5:10 NASB).

I will pull down my barns and build greater, and there I will store all my crops and my goods…but God said to him, ‘Fool! This night your soul will be required of you; then whose will those things be which you have provided?’ So is he who lays up treasure for himself, and is not rich toward God (Luke 12:18, 20-21).



th“Of the billionaires I have known, money just brings out the basic traits in them. If they were jerks before they had money, they are simply jerks with a billion dollars.” – Warren Buffett

If riches increase, do not set your heart on them (Psalm 62:10b).

There is one who makes himself rich, yet has nothing; and one who makes himself poor, yet has great riches (Proverbs 13:7).


NPG D20295; Thomas Fuller by David Loggan“Riches are long in getting with much pains, hard in keeping with much care, quick in losing with more sorrow.” – Thomas Fuller

“Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal. But lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also” (Matthew 6:20-21).






For you know the grace of our Lord Jesus Christ, that though He was rich, yet for your sakes He became poor, that you through His poverty might become rich (2 Corinthians 8:9).


The Biblical Principle of Thrift

Although God’s resources are unlimited, His word records a basic principle of thrift.

In Old Testament times there was a custom of allowing the poor to follow behind reapers in order to pick up grain that was left behind. This is still practiced among some grain farmers. Even generous owners of vineyards may allow free access to their vineyards after their workers have gathered the grape harvest.

boaz_and_ruth__image_9_sjpg1141Illustrated beautifully in the story of Ruth, Boaz told her, “Do not go to glean in another field, nor go from here, but stay close by my young women. Let your eyes be on the field which they reap, and go after them” (Ruth 2:8-9).

Waste is the careless use or expenditure of goods for no purpose and is never commended in scripture.

On two separate occasions, Jesus publicly practiced this principle of stewardship.

thAfter a day of ministering to a multitude, the disciples suggested Jesus instruct the people to leave so they could go into the villages and buy food. Instead, Jesus fed five thousand men plus women and children with five loaves and two fish – miraculously multiplying the food. After they had all eaten and were full, they gathered up twelve baskets of leftovers.

In a similar circumstance, Jesus fed four thousand men plus women and children with seven loaves of bread and a few fish. As before, after they were all full, the disciples took up seven large baskets of what was left.

We do not have the ability to multiply our resources. That is God’s prerogative. We can apply His principle of thrift and make the most of what we have – being careful not to waste what He has provided.

Jesus had a spiritual application in mind as well as the practical provision. When the disciples misunderstood His admonition to beware of the leaven of the Pharisees and the Sadducees and thought it was because they had forgotten to bring bread, His response was:

“O you of little faith, why do you reason among yourselves because you have brought no bread? Do you not yet understand, or remember the five loaves of the five thousand and how many baskets you took up? Nor the seven loaves of the four thousand and how many large baskets you took up? How is it you do not understand that I did not speak to you concerning bread? – but to beware of the leaven of the Pharisees and Sadducees” (Matthew 16:8-11).

Exchange “No, thank you” for “Yes, thank you”


Belhaven, NC, September 20, 2003 — Ron Medlin,left, lives at 275 Riverview St. and Nelson Guy, right, lives at 690 E. Main St. The neighbors are helping each other clean up after Hurricane Isabel. Medlin’s house was elevated after Hurricane Floyd using Federal mitigation funds and received no damage from Isabel. Guy’s home was not elevated and did have flood damage from Isabel. Photo By Dennis Wheeler/FEMA News Photo

Many of us have such an independent spirit that when others ask if we need something or if they can help out in a difficult situation, we are inclined to say, “no, thank you.” When we do that, we often miss out on the opportunity to make our lives easier – and sometimes save ourselves time and money. And…we also deny our friends the service they actually wanted to do. We need to remember that, just like we are when we offer help to someone else, they would not offer if they didn’t want to help.

In times of illness or death in the family, the valid offers can be extremely helpful. Some may volunteer to bring a meal, pick up children at school, mow the lawn, etc.

For instance, during a family illness, a friend regularly called to see if she could pick up something at the grocery store for me. I seldom took her up on it, but when I did, it was a great help.

Years ago when a friend of mine was sick and homebound, I showed up at her house, did some housework and some ironing. Years later, she remembered that act with gratitude. I love her and although I had to be persistent in order for her to let me help, I was glad she allowed me to do it. It made ME feel better.


Cameron, LA, January 11, 2006 – A resident in Cameron Parish offers their front yard as a distribution point for other local victims of Hurricane Rita to take donated items as needed. FEMA recognizes and appreciates neighbors helping neighbors as a vital part of the recovery process after a disaster. Robert Kaufmann/FEMA

Neighbors can often bring by goodies or bounty from their garden. I have certainly been blessed with such and some of the vegetables lasted through several meals.

Friends have given us venison or fish from their freezers. We have thoroughly enjoyed the dinners made from these gifts.

I have a neighbor who is always looking for a way to do something kind. The gifts and thoughtfulness not only save me time and money, but make me know she cares.

I make homemade bread and sometimes share with my neighbors as well.

In other generations, especially during the Depression, the only way most people were able to make it was through the help of others. You don’t need to be poor or homeless to benefit from the generosity of others. We should look for ways to help others and accept help from them. We need each other.

Sometimes we need to stop before we say, “no, thank you,” and graciously accept someone’s offer of kindness. The contributions can be far more than monetary.


Advice from Warren Buffett

Known as the most successful investor of the 20th century, Warren Buffett recently said:

USCurrency_Federal_Reserve“With a wonderful business, you can figure out what will happen; you can’t figure out when it will happen. You don’t want to focus on when, you want to focus on what. If you’re right about what, you don’t have to worry about when.”

Mr. Buffett does his research when he is considering an investment opportunity. He said, “Risk comes from not knowing what you’re doing.”

Although extraordinarily wealthy, he has a realistic view concerning money. “Money will not change how healthy you are or how many people love you.”

“Don’t risk what is important to you, to get what is not important to you.” Warren Buffett shares his wealth freely and launched the Giving Pledge which encourages the world’s richest people to share at least half their wealth with charity while they are still living.

Raised as a Presbyterian, Mr. Buffett says he is now an agnostic. He may not realize, however, that his words of advice can apply to one’s relationship with God.

  • “If you’re right about what, you don’t have to worry about when.” As hard as it is, I try to leave the “when” to God because He is the One with an eternal perspective. I trust Him to do what is right in His perfect timing.
  • “Risk comes from not knowing what you are doing.” The biggest risk in life is doing things without God’s guidance. I don’t always know what to do, but God does and He promises to direct my steps.
  • “Money will not change how healthy you are or how many people love you.” That is true. Riches are uncertain. God’s love is not. Instruct those who are rich in this present world not to be conceited or to fix their hope on thjesus_nails_1e uncertainty of riches, but on God, who richly supplies us with all things to enjoy (1 Timothy 6:17).
  • “Don’t risk what is important to you, to get what is not important to you.” Every earthly life comes to an end. What should be important is what will last for eternity.

It is hard not to admire Warren Buffett for his investment insight and philanthropy, but I do not envy him. I pray that this smart and generous man will receive Christ into his life.

I don’t know when I will die, but I do know what will happen. I will meet Jesus face to face because I know Him who invested His life for mine. The riches He gives will last forever.

“For what will it profit a man if he gains the whole world, and loses his own soul? Or what will a man give in exchange for his soul?”  (Mark 8:36-37).

(This was originally posted on my other website – http://www.onefocusministries.com)

Merry Christmas – a free Christmas Ebook

Last year, I offered a free Ebook of all my Christmas writings.

This has been updated for 2014 and you can download the 38 page Ebook here.The Christmas Book

Enjoy the season where we commemorate the greatest gift ever given – the birth of our Savior Jesus Christ! Merry Christmas!

nativity-1DSC06772nativity-2 f72123

Faith and Finances

If yonativity-1u look elsewhere on this website, you will find that I approach everything in life from a Christian perspective. Christ is my Lord and Savior and He leads me daily. I can choose to stray but I know the consequences are not good – a loss of fellowship with Him for a time (until I repent) and having to clean up whatever mess I made doing things without His guidance.

This is true in every area of life – including finances.

God is the owner of everything. You are actually a steward of everything God has provided for you.

In this ponativity-2st, I am including some passages from the Bible which help clarify the attitude we should have toward the things in our lives. Especially at Christmas time, when we are giving gifts to others, we need to remember that it is not the stuff our loved ones really want – it is to be part of a strong, loving family that can weather any storm together and come out stronger on the other end.

My prayer for each of you is that this Christmas will be one of reflection on Jesus Christ, whose birth we celebrate.

For the love of money is a root of all kinds of evil, and by craving it, some have wandered away from the faith and pierced themselves with many pains. But you, man of God, run from these things, and pursue righteousness, godliness, faith, love, endurance, and gentleness (1 Timothy 6:10-11). 

I don’t say this out of need, for I have learned to be content in whatever circumstances I am. I know both how to have a little, and I know how to have a lot. In any and all circumstances I have learned the secret of being content—whether well fed or hungry, whether in abundance or in need. I am able to do all things through Him who strengthens me (Philippians 4:11-13).

So don’t worry, saying, ‘What will we eat?’ or ‘What will we drink?’ or ‘What will we wear?’ For the idolaters eagerly seek all these things, and your heavenly Father knows that you need them.  But seek first the kingdom of God and His righteousness, and all these things will be provided for you. Therefore don’t worry about tomorrow, because tomorrow will worry about itself. Each day has enough trouble of its own (Matthew 6:31-34).

Trust in the Lord and do what is good; dwell in the land and live securely. Take delight in the Lord, and He will give you your heart’s desires (Psalm 37:3-4).

Instruct those who are rich in the present age not to be arrogant or to set their hope on the uncertainty of wealth, but on God, who richly provides us with all things to enjoy. Instruct them to do what is good, to be rich in good works, to be generous, willing to share, storing up for themselves a good reserve for the age to come, so that they may take hold of life that is real (1 Timothy 6:17-19).

Scripture references are from the Holman Christian Standard Bible.

Evaluating Yourself

thBenjamin Franklin said, “If you were a servant would you not be ashamed that a good master should catch you idle? Then if you are your own master be ashamed to catch yourself idle.” In other words (or in an expression more easily understood today), “if you are self-employed, do your own annual review.”

Would you be happy with yourself if you were your own employer? Would you receive a favorable review of your goals and accomplishments for the past year?

Many of us make New Year’s resolutions, but how many of us evaluate ourselves at the end of the year?

These questions can easily be applied in the realm of using your money wisely. If you have set new goals for getting out of debt or have something you have been saving for or are determined to have resources when you retire, you must stop at times and evaluate where you are.

Every financial advisor recommends writing down your goals toward financial independence. Not only is it good to write them down, but it is imperative to review them at given intervals. There is no time like the approaching end of the year to do a good evaluation – especially when the holidays are around the corner. It may be that you might have to reduce your spending on presents or entertainment in order to meet your goals. If you don’t evaluate at the end of the year, you will most certainly have to add new and harsher goals at the beginning of the new year.

th-1Do your own annual review. Check out your credit report (free at http://www.annualcreditreport. com and credit rating (free at http://www.creditkarma.com). Fix any errors and evaluate where you are.

While you are in the evaluation stage, look at other areas where you have set goals. Life is more than money. Had you determined to spend more time with family – read more books – spend less times in front of the television?

You might be surprised at how well you did or how much you need to improve. As Benjamin Franklin also said, “Well done is better than well said.”


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