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6 Common Spending Triggers to Watch Out For

Emotional triggers cause you to spend money. Maggie McGrath at Forbes made a list of the most common ones. 

  • Alcohol or hunger can lower inhibitions and cause people to buy and regret it later.
  • Emotional turmoil causes people to spend in an effort to gain control and feel happy. But the short-term gratification won’t last long.
  • Loneliness leads to purchases that temporarily medicate. But a Journal of Consumer Research paper says there’s a “loneliness loop” in which materialism and loneliness create a self-reinforcing cycle.
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5 Tips for a No-Spend Weekend

When you are down to your last few dollars, it may be time you have a No-Spend Weekend. Amanda, creator of CentsiblyRich.com says it’s a super way to save a little cash.

Impossible this weekend? Then, aim for another. Recruit friends to do it with you. You will be shocked at the fun you have while not spending a cent.

Make sure you have ingredients to eat all your meals at home. Cook things the whole family will enjoy. If you have activities to attend with your children, then prepare snacks and drinks so you won’t buy food while you’re out.

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What are your plans for Valentine's Day?

Valentine’s Day can be an expensive day! Last year an estimated $19 billion was spent on this man-made holiday. As people who desire to steward well, yet show our love, we can find budget-friendly, creative alternatives to honor those we hold dear.

So here is my advice for not breaking the bank to honor your love:

  • Instead of going out, try cooking new recipes together.
  • Support a local coffee shop and try some new flavors.
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I have seen some jaw-dropping tattoos and piercings in my travels. How about you?

Genesis 1:31 reads “And God saw everything that he had made, and behold, it was very good”.

He created man with beautiful skin and perfectly formed ears and a nose. But, the world has tried to alter that which He called “good”. According to a 2012 Pew Research study, an estimated 36% of Americans have at least one piercing somewhere other than an earlobe and that percentage may be higher for those 17-25 years old.

But now, millennials seeking professional jobs, and entering a new, more conservative phase of life want things filled in or removed. A job interview or the opportunity in a boardroom is causing many to reverse decisions made by peer pressure or impulse. The piercings and tattoos accumulated in younger years just don’t cut it in the classic work force. 

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This New Year, make Christ-honoring financial choices.

We are inundated with financial advice. The list of sources for the latest and greatest on how to make and manage money is all around us.  The vast majority of what I read can be condensed to this formula – do this or that to increase your earnings and to have more money. It is stated or packaged or even disguised in thousands of ways, but the common denominator is usually the same.  

However, The Bible does not offer this advice. The Scripture tells us primarily what we are to believe about money. This is a profound difference than telling us what to do.   

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Tis the Season for Charitable Giving

Originially posted on the Christian Post on December 23.

To learn Biblical answers to your financial questions, you can #AskChuck @AskCrown your questions by clicking here. Questions used may be lightly edited for length or clarity.

Dear Chuck,

My mail and email are full of requests for end-of-year donations, and there are so many good causes. But it’s hard to balance how to give at a time of year when I’m shopping for so many. How important is it to close out the year with charitable giving? What kind of choices need to be made? It’s hard to get the money together for Christmas, but I feel guilty when I see those financial needs piling up. How should I balance these things?

Charitably Challenged.

 

Dear Challenged,

Since there are so many great and worthy causes, I can understand your challenge. I will speak to the question of balance and priorities, but the importance of giving is the focus of my response.

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Are you guilty of buying things you don’t need? Are your closets full? Maybe you get a rush shopping?

All of us have probably purchased something we didn’t need. But, do you know why? Lauren Greutman, gives reasons in an article she wrote for the Huffington Post. Here are a few she discovered, with my solutions to the problem.

You want to impress people.

Solution: Find your true identity in Christ. Greed and pride can stunt your character and will keep you in bondage.

You’re in the habit.

Solution: In just 21 days you can break the shopping habit and develop a savings habit instead. Only go to the store if necessary and then, with a list. Avoid any impulse purchases. Pray before you go to avoid temptation.

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Our world teaches that more is better. But have you ever considered that less is more?

Dolly Parton grew up in a 1-room cabin in the woods and says being poor was good for her. Why? She saw her parents struggle and stretch a dollar.

Think about it. When you don't have as much, you develop skills that those with much don’t have the opportunity to learn; things like sewing, cooking, cleaning, and home and auto repairs.

You learn how to manage time when you must hold down several jobs. You trade favors with friends and family rather than just buying what you need.

You learn to make do with what you have. You know how to live without things others consider necessities.

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Thinking about selling your home? It may sound crazy, but there are good reasons to list during the holidays!

Recently I shared some good reasons to buy a home at year end. Today, I want to share why it is good to list your home for sale during November and December.

Three years ago, we sold our home in November after listing it with Nikki Bonds. She is a successful realtor with some good reasons to list your home during the holidays. See if you’re convinced!

First, people who look for a home during the holidays are more serious buyers. Since there are fewer houses to choose from now and less competition, that means more money for you.

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Thou Shalt Not Steal … Music included!

Originially posted on the Christian Post on December 16.

To learn Biblical answers to your financial questions, you can #AskChuck @AskCrown your questions by clicking here. Questions used may be lightly edited for length or clarity.

Dear Chuck,

I’ve been trying to talk to my children about Christian values and ethics. In the Bible, Jesus always brings simple truth into complicated situations, and I am trying to teach my kids to do the same. My kids and I have had some very interesting conversations about “Thou Shalt Not Steal,” which really covers more than just robbing a bank. What are some ways that people steal that I can discuss with my family to better illustrate the point?

A Parent Looking for some Parables

Dear Parent,

Thanks for the question! Bringing the scripture to life in everyday situations is one of a parent’s most important roles in the life of a child, according to Deuteronomy 11.

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