Monthly Archives: June 2013

Encouraging WORD

Psalms 71:8

Let my mouth be filled with thy praise and with thy honour all the day.

No matter what the circumstances, praise and honour Him.
Today will be a great day!


Money Saving Tip # 2

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Tip # 2: Skip the Barber

I am very fortunate to have a wife who is very conscious about where our money goes. She gets all the credit for this tip because she is the one who decided many years ago to save our family some money by cutting mine and our boy’s hair.

When you have 4 boys in the family, going to the barber every month can be expensive.
If the average cost of a haircut is $10, then we are saving $40 per month or $480 per year.
It is also much more convenient and your saving gas money.

This tip also applies for women.
My wife does not cut her hair, so there is no need for her to go to the salon.
Now, the reason she does not cut her hair has nothing to with saving money, but it sure is a nice benefit.
How much money do women that cut their hair spend each year?
I am not sure, but I hear it is much more than it costs for a guy.

If you take this advise be sure to tip your new family barber.

This is the continuation of a series on different ways that we, as a family, have learned to stretch the dollar.

The hope is that I can be of help to someone and, through comments and replies, learn from you as well. So please feel free to leave a comment with your own tips and at some point, with your permission, I would like to compile all the tips together in one resource to share with everyone.

Please enter your email address in the “Follow” link to the right and all future posts will come straight to your email.


Money Saving Tip # 1

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I’m starting a series on different ways that we, as a family, have learned to stretch the dollar. This is the first of many to come.

The hope is that I can be of help to someone and, through comments and replies, learn from you as well. So please feel free to leave a comment with your own tips and at some point, with your permission, I would like to compile all the tips together in one resource to share with everyone.

Tip # 1: When dining out drink water

As a family, and even as an individual, going out to eat can be expensive.
One way that we have saved a lot of money through the years is by ordering water to drink.
Restaurant sodas are typically $2 or $3 a piece and for a family of 5 that adds up to about $15 per meal.
Multiply that number by how many times you go out to eat per week, month or year and figure the math.
It will add up to a pretty large sum of cash that could be used better.

It was not easy for our kids to accept at first, but in time they have learned to actually prefer water over soda. If your kids are used to drinking sodas then this will be a tough adjustment for them. Make sure you order for them and hang tough.

 

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The Easiest Way To Save $220,000 plus in Your Lifetime

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The average american buys a new car every 5 years.
As I write this in 2013, the average new car price is $30,000.

Let’s assume that your car buying years are from 20 to 75.
75 minus 20 = 55 years
55 divided by 5 = 11 times that the average person buys a new car
11 times $30,000 = $330,000

What if instead of buying new, you bought used and payed $10,000 every 5 years for a car…
11 times $10,000 = $110,000

$330,000 minus $110,000 = $220,000
This is the amount that you could easily save by buying used instead of new.

Cars are a terrible investment of your money.
Only purchase what you need, not what you want.
This number could be much higher if you can hold onto your car for even longer than 5 years or pay less than $10,000 each time.
I have had my Ford Taurus now for 13 years. It is as old as my middle child.
I hope that it will last 10 more years or at least until I can pass it on to him.

Are you buying used or new?
Anyone thinking they’re beating this number?

Please share your thoughts in the comment section below.


Ready for Some Church

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Going to church is one of the best things that you can do for your family.
Be there every time the doors are open.


How to Speed Without Getting a Ticket

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I have been trying for over 20 years now and over time have come up with a formula for speeding without getting ticketed.

Highways = speed limit plus 10, minus 1 mph*
City = speed limit plus 5, plus 1*

*Disclaimer: Driving over the speed limit is breaking the law. This formula is not a guarantee and the moment I post this it is sure not to work for me any longer. 🙂

But here is my theory for the above formula and why it has worked…

When driving in the city, most cops are not going to mess with someone only going 5 mph over the speed limit, so I just add 1 mph to that to push it a little. Speeds in the city are lower than the highway, so naturally the allowance over should be less as well.

When driving on the highway, cops are not going to bother with pulling anyone over unless they are going more than 10 mph over, so I back off one mph just to be sure I don’t stand out.

Another key is to just go with the flow. Do not make yourself stand out from the rest.
When cops pull someone over it takes a lot of time. My reasoning is that they will not want to mess with the little bites on the hook and will wait for the bigger, more obvious ones.

I have to admit that I have received 2 tickets for speeding in all my years of driving, but in both cases I was not following the formula explained above.

One case was when I was still young and running late for school. Busted for doing 65 in a 45.

The other was more recently, about a year ago; I was doing 73 in a 60.

Drive safe and always be on the defense watching for the idiots out there on the road.


HAPPY FRIDAY!

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How do you have a happy Friday, and even Monday and every other day of the week?
Be glad that your alive and thankful that God has given you one more day!
Have a great weekend!


The One Thing That Will Help You Get Up

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I have always considered myself a morning person, but I still struggled with getting up.
I would set the alarm with the intention of getting up early, but then hit the snooze button over and over again.

Then I got a tip from someone (@lifeofasteward) that is so simple, yet so effective.

If you are a snoozer addict, like I was, and would like to crush the habit, try this…

Set your phone, radio or whatever it is that you use for your alarm on the other side of the room.

It works! You will have to get up in order to stop the alarm from sounding.

Try it and let me know if it helps you as well.


Why I Love My Boys

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This Father’s Day I am very thankful for the three boys that God has bless me with.

I do not have any daughters. I have heard how wonderful and special they are to a father, but as for me, I am perfectly content with my boys for several reasons.

  • Our last name can be carried on for another generation and with three boys there is a great chance that at least one of them will have sons, so the name will likely continue for even longer.
  • We are able to pass down clothes. (It’s hard to pass on girls clothes to a boy and vice versa)
  • Us guys can walk around the house in our underwear, if we so choose, and not have to worry about girls. (My wife is a woman, not a girl, and their mother, so she doesn’t matter)
  • Boys can share a room or bed if needed.
  • Boys don’t need 50 pair of shoes, purses and make up.
  • Boys are simple; easy to shop for and easy to get dressed.
  • Boys are less dramatic than girls.
  • Boys can get ready to go somewhere in 10 minutes.

Please don’t take me wrong. If God would have blessed me with girls I would be writing about why I love my girls, but he didn’t and I do love my boys!

Please feel free to comment and share your reasons for why you like your boys or girls.

 

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# 1 Dad

My youngest son made this for me at church last night.
He even gave me a string to wear the tie with.
I love being a Dad.

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