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    Money: How to Be Rich Without It and How to Stretch It Using Ten Hints from the Past and the Technology of Today
    Money: How to Be Rich Without It and How to Stretch It Using Ten Hints from the Past and the Technology of Today
    Money: How to Be Rich Without It and How to Stretch It Using Ten Hints from the Past and the Technology of Today
    Ebook158 pages1 hour

    Money: How to Be Rich Without It and How to Stretch It Using Ten Hints from the Past and the Technology of Today

    By Stephanie B. Blake

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    About this ebook

    "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."

    The book is written from a Christian perspective and includes an overview on what the Bible says about money.

    LanguageEnglish
    PublisherStephanie B. Blake
    Release dateAug 27, 2012
    ISBN9781476064598
    Money: How to Be Rich Without It and How to Stretch It Using Ten Hints from the Past and the Technology of Today
    Author

    Stephanie B. Blake

    Through her ministry, teaching and writing, Stephanie B. Blake helps others focus on the one thing that is most important in life. As Vice President of Xtend Ministries International, she travels extensively with her husband Richard.

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      Book preview

      Money - Stephanie B. Blake

      Money:

      How to Be Rich Without It

      and

      How to Stretch It Using 10 Hints from the Past

      and the Technology of Today

      By Stephanie B. Blake

      Copyright 2012 Stephanie B. Blake

      Smashwords Edition

      Smashwords Edition, License Note

      This ebook is licensed for your personal enjoyment only. This book may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then please return to Smashwords.com and purchase your own copy. Thank you for respecting the hard work of this author.

      $$$

      Table of Contents

      Money: How To Be Rich Without It

      1: Being Rich is a State of Mind

      2: Trust in God: Don’t Give in to Fear

      3: What You Can Learn From History

      Money: How to Stretch It Using 10 Hints From the Past And the Technology of Today

      4: Hint #1 - Life is What You Make It: Leave a Rich Heritage

      5: Hint #2 - Necessity is the Mother of Invention: Think Outside the Box

      6: Hint #3 - A Penny Saved is a Penny Earned: My Money’s Under the Mattress

      7: Hint #4 - A Stitch in Time Saves Nine: Deal with Issues Now, They Can Become Worse

      8: Hint #5: Don’t Throw That Away: It May Come in Handy Some Day

      9: Hint #6: Waste Not, Want Not: Our Ancestors were the Original Environmentalists

      10: Hint #7: Parlor Games Anyone? Entertainment Tonight

      11: Hint #8: An Ounce of Prevention is Worth a Pound of Cure: Take Care of Yourself

      12: Hint #9: Homemade is Better: A Labor of Love

      13: Hint #10: Share and Share Alike: A Sense of Community

      14: Learn From the Past, Look to the Future, Live in the Now

      Money: An Overview of What the Bible Says About It

      15: Your Treasure: Temporal and Eternal

      Appendix

      Websites to Check out for Stretching Your Money

      Endnotes

      $$$

      Foreword

      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.

      Richard Armour was aware of that fact when he wrote the following poem.

      Money

      Workers earn it;

      Spendthrifts burn it;

      Bankers lend it;

      Women spend it;

      Forgers fake it;

      Taxes take it;

      Dying leave it;

      Heirs receive it;

      Thrifty save it;

      Misers crave it;

      Robbers seize it;

      Rich increase it;

      Gamblers loose it;

      I could use it. (1)

      A Natural Inclination to Thrift

      Money has always been an interesting backdrop in my life.

      During certain periods of my childhood, it was nowhere to be found. I was one of the school children who needed the free lunch and sometimes went for days without eating at home. I don’t remember resenting not having what I needed. At that time, it was just a fact of life.

      Some of my first memories had to do with other children poking fun at my lack. Even though children can be cruel, as an adult I know that those experiences were good for me. I can empathize – not just sympathize - with those I work with now who have no material resources. And…I am careful to never judge anyone by his financial status.

      Later, circumstances changed. In my teenage years, my family was not wealthy by any means but I had enough. I no longer went hungry and even had a small allowance to spend for things that I wanted – not just needed.

      Throughout the fluctuation of my financial circumstances, I made an important discovery. Even when I had enough, wastefulness and greed were very unattractive to me. What I found out about myself as a young person has carried over into my adulthood. Frugality was built into my DNA.

      My first Christmas as a married woman practically all of our gifts were purchased with S&H Green stamps (remember those?). My Christmas tree was decorated with lids from tin cans with Christmas card photos glued on top. They were hung with ribbons strung through holes that had been punched in the top of the lid. The garland was popcorn strung on a string. And oh yes, the Christmas tree was purchased on Christmas Eve so it was cheaper and a little on the lean side (actually a lot on the lean side). Nevertheless, it was fun to decorate it.

      I was a coupon user before coupons were popular. Friends who didn’t use coupons gave me theirs to use. I was glad to have them. I still use coupons.

      Although I have never been a diehard dumpster diver (a little too unsanitary for me), for years I used some light baskets that were thrown away behind my local grocery store for storage and decoration. When polyester knit went out of style, I remade an orange pantsuit my sister had given me into a large pumpkin for Halloween. I still have that pumpkin.

      I can often see more than one use for items. A short vase with a wide neck that happened to be painted with colors that match my bathroom holds cotton balls. An inexpensive decanter contains mouthwash. An old shower curtain has now become a café curtain for a window in a new building.

      I have been applying the principles in this book in my own life for years. For me, no matter what my financial status, there is a sense of adventure in being frugal.

      Economic Crisis

      In 2008, a world wide economic crisis began which continues to hang like an ominous cloud over our heads. Since politicians seem unable to fix it, individuals have discovered they must find a way to make the best of a bad circumstance.

      Some very credible comparisons have been made between this 21st century financial struggle (hereafter referred to as the Great Recession) and the Great Depression of the 1930s. History has a way of repeating itself. Unfortunately, we seldom learn the lessons of history.

      It’s a recession when your neighbor loses his job; it’s a depression when you lose yours. – Harry S. Truman

      President Truman knew that no matter what a country is going through, the pain of the individual is personal. No matter how much we may love our countries and want to help restore them to a pre-crisis time, taking care of ourselves and our families has to be our first concern.

      Long after this crisis has passed, many will still be reeling from the effects of it. Life will never be the same. For some, because they have discovered new ways of thinking and acquired new values, it will actually be better. For others, because circumstances have overwhelmed them, there will be no personal recovery even when their country has rebounded from a national crisis.

      This has been a time of a financial reality check for a lot of people. The news has been full of it, history will record the scope of it, but those that are living in the midst of it have to make some decisions.

      Now that we are in the throes of it, what do we do now?

      There is a reason for the lengthy title of this book. Since your perception of riches has a great deal to do 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.

      Some of us have giggled a little at those we know who never threw anything away because they lived through the Great Depression or wondered at the stories told from even further back in time of our ancestors scrimping to make ends meet.

      Hopefully you will never have to make a mattress out of pine nettles or repair your shoes with cardboard, but 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.

      These are some things this book is designed to do:

      •Give you a perspective on what’s happening in the world in relation to eternity

      •Help you look at circumstances in a positive way

      •Help you see yourself in terms of who you are, no what you do

      •Redefine the words rich and luxury

      •Give some practical hints about frugal living

      •Introduce you to internet resources that will help you stretch your money These are some things this book is not going to do:

      •Give a solution to a world wide economic crisis

      •Tell you how to get a job in a bad economy

      •Tell you how to make money on the internet

      •Make decisions for you. You must do that for yourself.

      This book is designed to help anyone interested in saving money. I am a Christian, so the principles in this book are unapologetically biblical.

      God’s word is overwhelmingly practical and always true, so applicable verses are scattered throughout the book. For those who are interested in delving more into what the Bible says about money, Part 3 provides an overview of this subject.

      However, there are many quotations in this book; some from people whose names you will readily recognize as well as a few you may not. I have gone to great lengths to give credit to those whose material I am using. I was unable to find the source for a few of the quotes. If anyone has information on any of these and would pass it along to me, I would be grateful.

      The appendix lists many websites. The quotations throughout the book and the websites come from people of all walks of life and may not reflect my convictions as a Christian. They are included because their quotes or their advice help give a proper perspective on money and/or hints on how to stretch it.

      Life is full of challenges – in every area – not just financial. No matter what your belief system is, you must agree that your attitude or perspective determines how you deal with difficulties that come your way.

      Christians are not exempt from the challenges of life, but can and should approach life from an eternal perspective, not a temporal one. We shouldn’t give empty platitudes or just pat our neighbors on the back when

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