A few months ago, I received a Financial Peace University kit as a wedding present (I’m a newlywed!), and my husband will tell you that I’ve been hooked on Dave Ramsey ever since. I watch his Youtube channel, follow him on social media, listen to his radio show, read his books, and talk about his money principles all the freakin’ time!
When I get excited about something, when I feel strongly about a topic, my passion for it usually comes out in the form of a poem. So here’s my latest:
Don’t ever pay with credit.
Don’t you dare take out a loan
The borrower is slave
You need money? Use your own!
Pay back those pesky debts
(they’re poison to your health)
Save up, invest, and give
And build yourself some wealth
Have to live like no one else
And always act your wage
Then you can live comfortably
When you reach a seasoned age
Sweat and sacrifice
is what’s required of you
So hustle, get it done!
The Lord will help you through
“…the borrower is servant to the lender”
PS: Many of the lines in my poem are taken from Dave Ramsey verbatim. I’m giving credit, so I’m not a plagiarizer!
“I am convinced that it is not the amount of money an individual earns that brings peace of mind as much as it is having control of his money.”
-N Eldon Tanner
Omgosh, sooooo true! Yes, yes, yes! Having control of your money is infinitely more important than the actual amount! Being aware of your finances, having sufficient savings, and being strong enough to exercise self- control (uh-um, Mr. Tyson) are key to a truly happy life! Now, I certainly wouldn’t turn down a million dollars, but that’s not where peace of mind comes from; it comes from being in control.
1) Friends, how can YOU have control of your money (no matter its amount)?
2) How can you make sure money doesn’t control you?
One of my most favorite resources EVER is mint.com. It’s an amazing money tracking website that can’t be beat! Time Magazine and Forbes have consistently rated it one of the best websites. And it has seriously changed my life. If you haven’t already, check it out!
It’s Thanksgiving, right? So lemme express and explain to ya one specific thing that I am SUPER grateful for:
Today, when (I feel) our government is wildly reckless with our hard-earned money, I have never been more grateful that I can unreservedly trust giving 10% of my income to the Church of Jesus Christ of Latter-day Saints in the form of tithing.
I am completely confident that our funds are being wisely allocated.
What have YOU never been more grateful for?
In the late 1890s, the Mormon Church was deeply in debt. Lorenzo Snow, the then-president of the faith, prayed for help and inspiration. Thus, came the revelation of the modern tithe, as announced in 1899 in St. George, Utah. Within a few short years, the Church was out of debt. And we NEVER will be in debt again. Never. Not to brag or sound worldly, but the cash flow of the LDS church has been surging ever since (hint: We. Are. Rich. But we use the money well and none of our leaders are paid!)
Though I know this is probably impossible, I sure wish our modern government would take SOME sort of look at how we (Latter-day Saints/Mormons) do things. Cuz we know how to get things done, be efficient, be responsible stewards with our money and properties. And there is no one in his/her right mind who can say the same about the United States. Trillions of dollars in the hole doesn’t just go away…
More to come on these issues…
We need more than just a passing glance
at the efficiency of Mormon finance!
1) Learn more here about the amazingness known as the “Perpetual Education Fund.”
2) I have met a handful men and women who have benefited from the PEF, and it is obvious that their lives have been super blessed because of it!
3) I like the band “Fun” a lot. Here’s one of my favorite songs by them:
When you’re lost and alone, and you’re sinking like a stone….
The Latter-day Saint Perpetual Education Fund has done (and continues to do!) amazing things for men and women around the world who otherwise wouldn’t have the chance to receive an education and better their economic opportunities. It is truly a philanthropic flagship, and I am grateful to pay a portion of my offerings to it every now and then.
PERPETUAL EDUCATION FUND RULES!
are children of God, too!
If you don’t believe in/care about God, then telemarketers are people too.
Children of God/people can be annoying and inappropriate.
Children of God/people deserve some level of kindness, respect and decency.
It’s likely that they don’t like their job
JUST as much as you don’t like them calling you!
More to come on this idea.
*Haven’t quite decided yet how I feel about portraying Renaissance artistic nudity in this blog. Ms. Wilkinson’s thoughts are still evolving concerning this matter.
But BACK TO MY ORIGINAL TOPIC (bookending)
To choose one scripture (because there are certainly plenty!) to embody my thoughts on the subject of telemarketers, allow me to borrow from the words of the Savior:
“Inasmuch as ye have done it unto one of the least of these my brethren,
you have done it unto me.”
Now good luck disagreeing with THAT!
PS. I am very aware that there are telemarketers who harass, are annoying, and overstep personal/ professional boundaries. I know that fact all too well. Like I said: More to come.
is a phrase that I have found to be quite useful as I navigate this journey of life. I am certainly not suggesting that we avoid making any promises, but only that we make sure we don’t get people’s hopes up when we cannot back up our commitments with 100% surety (myth vs. experience). Additionally, we needn’t “run faster than [we] have strength” (Mosiah 4:27) in trying to keep promises we perhaps should not have made in the first place. Now, don’t be calling me lazy! As I have said before, I desire to serve others, get out of my comfort zone, and work hard. Still though, I cannot do it all. Neither can you. Neither can any one person (and that’s okay, ya’ll!) So we must decide what kinds of things are worth the word “promise” (or at least the level of commitment that it implies). But when we do make those promises, let’s make them count!
line of propriety, line of propriety, line of propriety, line of propriety,
“I never make a promise I don’t intend to keep.”
~John Michael Montgomery
1) What promises have you made (or will make) that are important to keep (family, covenants, relationships, employment, etc.)?
2) What are some aspects of your life about which you should probably not make promises?
And now, one final question:
Is this blog the best thing in the world?
“O Jerusalem, Jerusalem”
As you can probably guess, I had an internal struggle of whether or not I wanted to include a picture of this “book.” But the juxtaposition is powerful enough that I feel it is justified.
Men, women, and children all over the world experience sexual/ emotional/ physical abuse. And now one of the best selling books in America (and soon to be film) tries to make this stuff look hot?! I think I just threw up a little bit…
Read more here about my VERY strong feelings concerning “50 shades of disgusting/filth/trash.”
And as is always the case, if you believe what I’m saying, don’t be afraid to PASS THIS ALONG!
Really Awesome Readers!
What does the stuff you read say about you?
For good and for bad?
and since you are what you read,
KathBath knows that you are at least somewhat awesome!
(since you’re reading my blog!)
Explore More Issues Here:
1) Line of Propriety
2) Sunburn stuff
3) Bad hair day means good writing day!
4) Bragging? Guilty. YOU WOULD TOO!
Oh, and by the way, I was singing a version of a John Mayer song (SHOCKING, right?)….
The song is VERY interesting. The melody/guitar itself is hauntingly beautiful, but the words are contradicting the story-teller’s true convictions (unreliable narrators are FASCINATING). You see, Johnny is lonely and trying to convince himself that he can engage in self-destructive behaviors (drugs, women, etc.) and it won’t effect him. Sad.
Have done my own version of “Who Says.” And I will DEFINITELY include it soon…
But Back to the Benjamins:
Laughing all the way to the bank…
PS. The check wasn’t for a ton. And also it will not even begin to cover the costs of medical expenses I will incur from the pending thunderbolt of blasphemy I will shortly receive due to my comparing myself to Brad Paisley.
Is bragging about your blog.
I try hard not to do that, but no promises. I am only human after all:
Oh and speaking of, Brandon Flowers IS Mormon. Check it out!
And just back to blagging for one second, yes I have earned money, yes, I do have readers in 34 countries, yes I have made friends and helped others’ network as well, yes I have been able to email people in Alaska about the Book of Mormon, yes I have people contacting me about product reviews, and yes I am happy. But I digress…
“A [wo]man filled with the love of God is not content to blessing [her] family alone, but ranges through the whole world, anxious to bless the whole human race.”
~Joseph Smith Jr.
And holy freakin’ cow, does she embody it! Her money is TOTEZ where her mouth is…
Even I can’t find the words to express how I feel about this girl.
Help me out, Natasha:
Can’t think of a better way. That’s all I have to say. I love you!
PS. In case you’re wanting some sort of count, she’s been to Uganda (TWICE!), the Phillippines, Fiji, France, and probably a million other places I don’t even know about. Jet-lagged much?
Part-time journal, part-time missionary, part-time teacher, part-time money-maker (although I’m looking into getting a few more hours there, know what I mean?), part-time musician, part-time keeper (in touch with family and friends), part-time therapy, et cetera….. but full-time AWESOME!
It’s a Jill of all Trades. Just like me 🙂
Read more about my part-time “employment” here.
Good problem to have, I’d say.
SOME MONEY SO FAR…but not a ton 🙂
Don’t want to get into that whole pride cycle thing described in the Book of Mormon. Although I AM already a Lamanite, right?
I WANT YOU TO BE PART OF MY BLOG! I am all about collaboration: musical, writing, business, product review, food, sharing of religious beliefs, etc. No promises, but as long as I feel like it represents myself, my family, my friends, and the Lord well, I’m up to discuss it. Dead serious. firstname.lastname@example.org
Lil Wayne wanted to know if this girl was down for a sing-off.
Know what she said?
“Honestly, I’m down like the economy!”
Compare this (start at 2:24-3:00):
To this (start at 1:02-1:43):
(I changed the gender pronouns. I do that kind of thing a lot.)
Readers, what do you think?
PS. Wayne, I love and respect you no matter what (not really, but just didn’t want to come off as judgmental and also wanted to soften this next part), BUT your body is a temple…why would you want to put graffiti on it? Join the LDS Church and I’ll help you pay to get rid of those tats (but readers FYI you don’t have to do that if you want to become a Mormon-just thought I’d clear that up)…
but it seems like some people are listening to what I’m saying, huh?
Not all about me/vessel of truth and goodness.
Still no money-still looking into it…
but I think it’s a blessing.
I ain’t perfect, but I am conscious of those who may look up to me.
And again, no money directly from this blog yet (but indirectly yes!), so it’s highly possible that I am grossly over-estimating any influence I may or may not have. Oh, and this post just wouldn’t be complete without a little Taylor:
You know how in “The Princess Diaries” Mia has that weird writer neighbor? He has no social skills and he’s always really nervous and awkward and half the time he’s in his pajamas and probably won’t ever get married. He’s so sure that he’s on the verge of greatness, but in actuality will never make any money. Yep, that’s me.
(Warning: there are a few instances of taking the Lord’s name in vain)
LOVE the acting in this clip. The tension between Carrie and Aidan in the repair shop is BRILLIANT!
SUCH A GOOD TAKE-AWAY MESSAGE!
“My whole life is on that computer.” I feel ya, Carrie girl. Boy do I ever.
Just another shout out to this amazing human being, Neil Pasricha, author of the Webby-award winning blog 1000 awesome things. Thanks for inspiring me, giving me hope and confidence, and also being a HUGE PART of the creation of this blog!
Hey Mr. PASRICHA, did you see my post about a PASHMINA scarf? See what I did there?
Seriously though, Neil, come on out to Salt Lake. Bring your girlfriend with you. We’ll have a swell time. And I’m sure with the dough you’re rolling in you can afford to take me out to eat. Think of the traffic it would do to BOTH our blogs! And this ain’t no truth in jest invitation. This is….dead serious 🙂
Sounds like a new Nike ad slogan or something, huh? Big bucks are coming my way! Truth in jest. If you’re real nice to me, maybe I’ll share. Dead Serious.
If I had a nickel for every time I heard this phrase (or something along those lines), I wouldn’t even care about the fortune I plan on making from this blog 🙂 No but seriously, I’ve given this idea some real thought. And here’s what I’ve come up with: I do not mean to be a walking song. I can see how my near constant lyrical references could come off as being trite or cliche, not to mention potentially annoying. It’s just that if someone has already found the words that perfectly express what you are feeling, why would you try to find new ones? Economy of thought, people! Plus you can still be creative and original by borrowing art. Moulin Rouge, anyone?
“Looking for a better way to get up out of bed
Instead of getting on the Internet and checking a new hit”
“little bit of humble, little bit of cautious”
#read lyrics here:
#ambivalent feelings toward fame…..
#this song is about as near to perfection as one can get…
#still wouldn’t hate a Webby 🙂
#just barely over 4,000 hits…in 20 countries…in 11 days-LITERALLY!
#pride is the downfall of civilizations
# I STILL DO OTHER STUFF, PEOPLE! sometimes…
#still no money, but have made strides in that direction 🙂
Example: Car Salesperson
This is Kenneth Christofferson (along with his lovely wife Leslie). He was my LDS bishop and continues to be a great friend and father figure to me and to countless others. This man’s name is no coincidence-he is a Christlike person who defies all stereotypes of the sketchy car-salesman. Bishop Christofferson has helped me out of many a bind, both spiritual and physical (you better believe he’s helped me more than once with my car!). He works at Ken Garff Chevrolet in American Fork, Utah (Ken works for Ken!). If you are in the market for a new car, check them out! http://www.kengarffchevrolet.com/
And yes, I got his full permission for this post. And no, he’s not paying me. 🙂
Who do YOU know that shatters negative stereotypes?
And who do you know who confirms stereotypes that writers are
a little goofy?
holding grudges over love is ancient artifacts…
but even if I never earn a cent from this blog, it’s still totally worth it. Just sayin’. And oh by the way, I was still in the parking lot! Now gotta go research ways to scam the American public with a ponzi scheme to make my wallet nice and fat…
*Pacing myself, people.
*Don’t get your hopes up or put all your eggs in one basket, but this is America-DREAM BIG!
*fine line between arrogance and confidence, doing the best I can…
*and no, still haven’t been paid anything……YET (looking into that)
Hey Miley! Your hair looks…interesting. I sported a similar look once, and I can guarantee I spent less money than you:
#mixed feelings about ombres, particularly because I do not know exactly how to pronounce them
#I may have an ombre, but what I really want is an HOMBRE!
#too lazy and cheap to get your roots retouched? just pass it off as the latest hair fad!
“when beauty meets humor, vanity disappears”
The most important person in that picture (at least for my life) is ME! Not Mitt Romney…
Oh but he’s still so handsome, isn’t he?