Oh no Simba, no offense taken especially for me. The word of God says instruction is our life and this is really good instruction that you have given us. This 5 part series is definitely one worth taking note of!
On Thu, Oct 21, 2010 at 1:16 PM, simbarashe wekwete <[email protected]>wrote: > by now we have the first 3 steps > > 1. Tithing(10%) > 2. Long term Saving(10%) > 3. In case of emergency Saving(10%) > > Step 4 : Cash Budget (70%) > > so you have 70% left at most. the reality here is live within your > means. Minister Biti says eat what you kill. > the idea here is to create a budget before you begin consumption of > your income. i shall take you through a simple cash budget that can be > useful. > so you list all your expected expenses IN ORDER OF PRIORITY. > for example > Rent / Accomodation > Rates and Electricity(yes they are important) > Groceries > Transport > Breakfast / Lunch > Maid/gardner/guard etc > Family bills contributions > Phone / Internet / Airtime > Offering > Credit Accounts eg Truworths, Barbours etc > > i shall explain briefly > Rent / Accomodation has to be paid becuase u need a place to sleep. if > u live in free accomodation praise the Lord, but always ensure u > budget for it and pay it as soon as possible > > Rates and Electricity - we are christians and i believe we will be > convicted to pay for our usage of these national resources > > Groceries - come up with a complete shoppin list, prices are generally > constant these days so you will know how much u require every month > for everything including bread, milk, vegitables. (u can take a > calender and count the number of days till the next income is expected > and have an exact figure) > > Transport - take a calender and count the number of days and the > amount you require. you also need to take note of the extra journeys > eg when u go to the centre to church or when you go and visit family > once a week etc. for those who drive, u shld ensure you know roughly > how much fuel u use a day, a week etc and budget this. > > Breakfast / Lunch - even if u have a pie for 50c every morning, count > the number of pies and budget for them. you know that on Sunday u r > going to have a sub from Cross Cafe, budget for these. u like > banana's, budget for them.etc > > Maid - u have someone coming in to do your washing, budget and pay them > > Family Bill Contributions - maybe you need to buy medication for ur > parents, u need to give your sibling bus fare and tuck money, u help > with ur parents groceries, u help with u parents bills etc, budget for > these > > Airtime / Phone / Internet - find out how much u normally require and > budget for this not to just buy airtime becoz u have seen someone > selling or becuase u wer not responsible. if u buy some for > .........., budget for it. > > Offering - you know how many services you attend every week. budget > for this and you can put in more as the spirit moves you but always > plan ur offering as we are often told. > > Credit Accounts - though not recommended, if u have one, pay it on > time to avoid being blacklisted. AVOID GETTING ADDICTED TO THESE > especially for clothes > > Some might want to have a lunch or dinner out with family/friends etc > every week/2 weeks etc budget for this. > > You know ur mum's birthday is on next month before u get money, budget > for it now. > > You want to connect every sunday at connections, budget for it. > > i am sure you have other things that you prioritise that you might put > on your list. > > when you have you list, put figures to it, come up with your total and > see how it matches with your 70%. if you have excess praise the lord, > u can have an extra amount to bless someone, save, additional > offerings, etc > If you have less, go back to your list and start removing that which u > can live without eg 10 kgs of cornflakes, chocolate, cake every sunday > etc > > Train yourself to live within your means and do not just spend > unnecessarily. whenever you live the house, have a rough idea of how > much budgeted cash you have and how much extra u have and do not go > beyond these limits. for example, u r coming to cross, u have bus > fare, offering and money for a drink after budgeted and say u have an > extra $2, do not go and buy 5 people drinks when u can only afford 3. > > > Step 5 : Do Not Borrow For Consumption > > never borrow to pay rent or to buy food. if u can't afford the place u > r staying in, move to a cheaper place or share with someone. if u > can't buy all the food u want from ur income this month, wat makes u > think u will next month? u still have to pay back and ges wat, u r > borrowing again. > > Try and avoid the,'ndipoo dollar' syndrome. > > this is the last of the series. now i take questions, comments, > contributions, additions and subtractions. > > i hope i didn't offend someone > > -- > You received this message because you are subscribed to the Google Groups > "tribewithavibe" group. > To post to this group, send email to [email protected]. > To unsubscribe from this group, send email to > [email protected]<tribewithavibe%[email protected]> > . > For more options, visit this group at > http://groups.google.com/group/tribewithavibe?hl=en. > > -- ....Loving God includes loving people. You`ve got to love both. 1 John 4:21 (MSG) -- You received this message because you are subscribed to the Google Groups "tribewithavibe" group. To post to this group, send email to [email protected]. To unsubscribe from this group, send email to [email protected]. For more options, visit this group at http://groups.google.com/group/tribewithavibe?hl=en.
