“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

Thankful for Some I Have Never Met

I have been so blessed with a great family and precious friends from practically every corner of the world. I am thankful for all of them. However, I have reflected lately how thankful I am for many people I have never met and probably won’t meet this side of Heaven.

Instead of keeping magazine subscriptions for home improvement, decorating, cooking or other subjects I am interested in, I have turned instead to the world wide web and the many people who are willing to share their ideas and expertise just because they are interested in helping other people. I am very thankful for them.

423px-Good_housekeeping_1908_08_aWhen I have time to relax, I go to Pinterest or to some of the blogs I follow. I do not spend all day on these sites and I resist letting myself getting carried away by chasing rabbits from one blog to another. I do, however, treat these just like I used to treat my magazine subscriptions. Since I follow so many blogs, I often just scroll through my emails and delete most of the posts. There are times, though, something catches my eye and I spend a moment or two on the site. I always learn something. I have discovered there are many, many people just like me – who want to stretch their money and be good stewards of all the resources God has given us. Recently someone shared what gifts her sons really use and I received some great gift ideas for Christmas. I follow some blogs that are specifically Christian – often the scripture they share was just what I needed that day.

The possibility that the ones who have helped me will read this is slim. I still want to voice my thanks for people who are willing to share with others – especially when they don’t expect to get anything in return.

I also love good quotes and wanted to share this one from a daily email I subscribe to:

Only when the last tree has been felled, the last river poisoned and the last fish caught, man will know, that he cannot eat money. –

Old Indian Chief somewhere in the U.S.

I thank God for all of you who share.

Time Economics

See then that you walk circumspectly, not as fools but as wise, redeeming the time, because the days are evil (Ephesians 5:15-16).

“A Stitch in Time Saves Nine” was a saying characteristic of people living during the Depression. With no money for replacement items, repair and maintenance were done out of necessity. The origin of “a stitch in time saves nine” literally dealt with sewing. A small tear repaired at once prevents a larger tear from forming in the future – thus saving nine more stitches. The idea, of course, has come to mean that you will do yourself a favor by taking care of small problems when they appear. If you wait, repairs will be more time consuming and expensive.

800px-Auto_repair_Maxima_4th_gn4An example of this would be car maintenance. Stay on top of engine tune-ups in order to guarantee that your engine will last as long as possible. Check your tires periodically for wear and make sure they have the proper amount of air and they will last longer.

Routine maintenance can prevent damage and save you time and money. If you clean out the gutters on your house each year, potential expensive repairs to your home can be avoided; removing lint from the dryer every time not only keeps your dryer running more efficiently, thus saving electricity, but potentially prevent a dangerous fire caused by excessive lint build up; vacuuming the coils of your refrigerator can prolong the life of that appliance; pulling weeds as soon as they appear can prevent you from having to do a widespread spraying or spending days removing overgrown patches; backing up files on your computer can save you enormous headache in redoing projects and losing some important information forever. When traveling, calling ahead for information or printing your boarding pass at home can save unpleasant surprises or a long wait in line. Repairing small leaks when you first notice them can save you a lot of time and money later. Carrying a small tool kit when traveling by car can make the difference between being able to fix a minor problem or having to call a repairman. Packing a mending kit when traveling can prevent you from having to buy a new item of clothing if something happens while you are on the road. Packing essential prescriptions and over-the-counter medicines can keep you from having to go to the emergency room.

Often maintenance is a matter of cleanliness. Metal items, such as automobiles, barbeque grills, iron fences and farm equipment last longer if cleaned regularly and checked for rust. Once rust sets in, the repair job is lengthy. When it is first noticed (like on the fender of a car) and taken care of, that “stitch in time” saves not only nine more stitches, but expensive repairs. It is more than a dollar saved.

If you don’t know how to repair certain items, there are more resources available than ever before. An online search will usually turn up a “how to” article that will walk you through it. Even when you can’t repair an item yourself, you can often extend its life by having it repaired by a professional.

After the Crisis of 2008 hit, there were many news reports on how people were coping. Sales in stores were down because people were making what they had last longer, repairing those items rather than buying new ones. This actually resulted in an increase of revenue for some businesses such as shoe repair shops, auto repair shops and home improvement stores. Some items need to be fixed by professionals, but even that cost is cheaper than replacing it – most of the time. There are some notable exceptions, such as computers and other electronic items.

In addition to saving money, your “stitch in time” can save your time. The less complicated the repair, the quicker it is done, the more time is left for other things.

Time really does have value. Somewhere, someone else is employed for services as an accountant, an auto mechanic, a bookkeeper, a cook, a driver (chauffeur), electrician, gardener, housekeeper, nurse, etc. As you balance your checkbook, change the oil in your car, prepare meals for your family, drive your children to and from activities, repair the wiring in your garage, maintain and adorn your yard and garden, clean your house, take care of your family members when they are sick, you are performing tasks routinely that someone else might be paid for.

Procrastination in maintenance and repairs leads to the “nine other stitches.” Procrastination also makes your “to do” list longer than it needs to be.

In many ways, time is of much more worth than money is.

In every area of life, it is better to take action on issues as they come up. For instance, a misunderstanding between family members, friends and neighbors can fester if not dealt with immediately.

Even if you don’t have money or a job, it is good to remember that you have the same amount of time as everyone else. What you do with that time will help you move forward or allow you to stagnate.

During the Great Recession, many people were forced to seek employment in areas they had never imagined they would work in. Sometimes this involved schooling. Sometimes it meant doing manual labor instead of office work.

In a few cases, the forced adjustment led to a happier lifestyle. Their time was now allocated more towards family or church or their community.

These changes involved spending time learning a new skill, competing in a job market that was new to them, and not giving in to the temptation to give up.

It is understandable to be disappointed with unforeseen negative circumstances, but what you do with those circumstances is up to you. Procrastination is not a good thing, but having such a full schedule that you cannot enjoy family or life is not either. There must be a balance.

Only you can determine the proper balance of time in your life. Many who have had m41NydAJhNoL._SY344_PJlook-inside-v2,TopRight,1,0_SH20_BO1,204,203,200_oney, though, and made it their priority, have regretted it in the end. Prioritize according to what really matters and your time will be of more value to you than money.

“Waste your money and you’re only out of money, but waste your time and you’ve lost part of your life.” – Michael LeBoueuf

God expects us to be good stewards of every gift He gives. How we spend our resources and how we spend our time are indicators of how we view His gifts. Jesus made that point very clear in His parable of the talents (Matthew 25:14-30). The lazy servant wasted his time and hismaster’s money.

(This post was adapted from a chapter of “Money, How to be Rich Without It and How to Stretch It Using Ten Hints from the Past and the Technology of Today”)

Flowers to Enjoy

Practically everyone loves flowers. I know I do. I particularly like flowers that are growing in my garden. Their life span may be short, but it doesn’t matter. They can bring a smile to my face and brighten up an otherwise ordinary room when brought inside.

We can send flowers to loved ones – sometimes the cost is worth it. It is not necessary to spend a lot of money, however, to surround yourself with flowers. When you place a printed picture of a beautiful flower in a plain frame, that is enough. The flower is the centerpiece.

As I travel, I cannot resist the temptation to take pictures of the local flowers. I enjoy looking at them and thought that you might as well. Feel free to print these and enjoy.That way spring can last all year long!

Kuykenhof and Delft, Holland May 2004 087 Visit to Okinawa, Dec. '06 149 Visit to Okinawa, Dec. '06 132 Visit to Okinawa, Dec. '06 134Picture 1519 Picture 120 IMG_3019 Family Vacation April May 2002 141 Kuykenhof and Delft, Holland May 2004 074 Visit to Okinawa, Dec. '06 144 Visit to Okinawa, Dec. '06 133

The Stuff of Thanks

It’s just stuff – or is it?

For the first time in over ten years, I am packing. In the midst of that process, I have wondered, how did I accumulate so much stuff? It has occurred to me, it’s not just stuff I’m packing. It’s tangible evidence of memories.

Some of the memories are in actual memory books – yearbooks, wedding albums, family photo albums and some very old memory books from both my husband’s family and mine. Some are in hand made gifts my sons gave me when they were toddlers and in grade school, their wedding pictures, thoughtful gifts given when they actually had money to spend on a gift and gifts given to me by cherished family and friends – some of whom are no longer with me to thank.

DSC06775I collect dishes and Christmas decorations. My husband has generously encouraged that crazy search for another piece of depression glass or presented me with a set of beautiful china – again and again. Most of the lovely dishes I have I did not purchase. My husband also laughs as we wash dishes together and I remind him where each dish came from – the names of the givers are impressed upon my memory.

I am grateful for those who cared enough to give me a thoughtful gift because they knew it was something I would enjoy. I have used every gift and thought of the giver as I did so.

If, for some reason, I am never able to unbox all of this “stuff”, it’s OK because I am not packing away the memories. They are part of who I am and how I know I am loved.

Ultimately, I know that God is the source of each gift. I became spiritually rich the day I asked Jesus toDSC06762 be my Savior. That richness includes being in an eternal royal family, part of a family that shows their love by giving – those things that memories are made of.

Jesus continues to give daily gifts, the intangible gifts of His caring intervention, His time, His sweet presence in my life and in the lives of those I love.  Every thing I have – tangible and intangible – is because of Jesus.

Thank you, Jesus, for Your love, salvation and for every sister and brother who also gives a tangible evidence of their love. I am rich beyond words.

The blessing of the Lord makes one rich, and He adds no sorrow with it (Proverbs 10:22). Every good gift and every perfect gift is from above, and comes down from the Father of lights (James 1:17a).

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.



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