Saving and Investing

Okay, so if you’ve hung around this long, you should have an idea of where all your money is going.  You should have a basic idea of a budget, and in these two processes you have probably discovered some “extra” money.  The next couple of days we are going to talk about what to do with that “extra” money.  

I say extra with “” because I truly believe God gives you exactly what He wants you to have, you just have to figure out how He wants you to use what He has given you.

We talked in the beginning about how most things that we might consider ’emergencies’ aren’t actually an emergency.  For example, if you are a home owner – leaks happen, if you own a car – they break down, and so on and these things should be planned for in your budget.  However, there are things that happen that we may never be prepared for – unplanned medical expenses, unfortunate accidents (either in the home, at work, or in your car), loss of a loved one, loss of a job.

These things can hit our finances hard, so hard that it makes it virtually impossible to recover from them. This is where the savings comes in.  

Then, it is time to look toward the future.  This is my weakest area, because honestly I prefer to live in the present and let the Lord take care of tomorrow.  But, I also know I don’t want my hubby to have to work until the grave, and I want to be able to hop on a plane to see my grand kids whenever I want when that time comes. So we should all plan for retirement.  Also, none of us want our kids to be saddled with student loans in order to get a college degree, so we should consider how we will assist them in that.  

We will explore all of these areas a little deeper over the next couple of days!!  

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