Summary: This message is on dealing with two motivating factors of how we spend our money 1) it looks good now and 2) it will impress others later. We should be more concerned with pleasing God than each other.
Being Smart With My Money—What To Avoid
We are in part 2 of our series, Being Smart With My Money. Last week Pastor Toby preached “What Do I Need”. Next Week Pastor Kellie will do “What Cost Me The Most”, Pastor Toby will return with “What Should I do” and today I’m going to talk about “What Should I Avoid.”
You need to avoid the belief that by buying something you don’t need on sale is really saving you money If you do not need it, putting it on sale will not make you need it.
You need to avoid believing that you are going to get free trial samples when you use your credit card for the offer. If you do not read the fine print you will be billed for stuff you do not want and it will keep coming.
You need to avoid having a visa/master card logo on your debit card, because if you lose it, someone can use it without a pin number. It’s your responsibility to contact the bank over fraudulent withdrawals in the specified time period.
You need to avoid believing you have been selected for a free cruise with airfare and all you have to pay is the application fee of only $39 plus port charges. You need to avoid the belief that you are going to earn $40,000 a year working part time on the internet from the comfort of your home.
You need to avoid believing any e-mail informing you of someone wanting to safely put money in your bank account and sharing the money with you for your cooperation.
According to Proverbs 6, you need to avoid co-signing for anyone unless you are willing to make the payments yourself and not be upset over it.
Those are some of the obvious things to avoid. Have you ever purchased something and thought you were getting a wonderful deal, but you found out later that you were wrong and wished you had not made the deal.
I can remember when my wife and I first got married. We barely had enough money to get back to school which was part of our honey moon drive. Another couple had found us an apartment to rent. We had very little furniture other than the bed we had gotten from goodwill. We naturally had to have a beautiful apartment, so we went to the local furniture rental place. The person showed us how the payments fit into our budget and how if we rented for only two years, all of the stuff could be ours at the end of the rental period. That sounded great.
We had to put down a 2 months deposit, that we would lose if we broke the rental agreement. We were so excited about our apartment and how it was going to look. Our living room and dining room area was certainly going to impress anyone who came to our apartment.
Well the first thing I noticed was that the furniture that arrived was not the new furniture we had seen in the store. I looked much closer at the agreement we had signed, and realized that the store promised to send furniture in good shape, not necessarily new furniture. Then I realized if we paid for two years, we would be buying used furniture that was twice as expensive as a new furniture would be.