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Tips To Help You

Uncommon $ense: 

10 Tips When You Suddenly Find Yourself out of Work

Because there is nothing more uncommon than common sense. - Will Rogers

1. Remember that God is your source; not your employer or your stock broker. Everything in the heaven and earth is yours. Yours, O Lord is the kingdom; you are exalted as head over all. Wealth and honor come from you; you are the ruler of all things. In your hands are strength and power to exalt and give strength to all. (1 Chronicles 29:11-12)

2. Seek counsel regarding your career and finances. You may be tempted to withdraw or isolate yourself during this time either because of embarrassment or depression. Make sure that you stay connected to other believers. Consider enrolling in a Christian financial study like Financial Peace University or Crown Financial Ministries Life Group Study. They way of a fool is right in his own eyes, but a wise man is he that listens to counsel. (Proverbs 12:15)

3. Assess your current financial situation. Complete a personal financial statement or a balance sheet (list of what you own & what you owe). Living in denial will only make the situation worse. In order to get where you want to go, you first have to know where you are. Be sure you know the condition of your flocks; give attention to your herds. ( Proverbs 27:23)

4. If you don’t already have a monthly budget, sit down with your spouse and prepare one. You must know both your sources and uses of cash flow. Suppose one of you wants to build a tower. Will he not first sit down and estimate the cost to see if he has enough money to complete it? (Luke 14:28)

5. If you do not already, track your spending so you know how well your actual cash flow matches up with your budget. It is almost guaranteed that if you are not tracking your spending, you are spending more than you think. You can use pencil and paper or free online services like www.Mint.com

6. Dream big & live small. It is good to have big plans. But until you can increase your income, you will have to adjust your standard of living downward to fit your budget. I have learned to be content whatever the circumstances. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do everything through him who gives me strength. (Phil 4:11-13)

7. Do not use credit cards or other forms of debt as a means to live above your current cash flow. Just as the rich rule over the poor, so the borrower is servant to the lender. (Proverbs 22:7)

8. If you are unable to pay the monthly minimum amounts on your current debt, you may want to meet with a Crown Money Map Coach or contact Christian Credit Counseling http://www.christiancreditcounsel.com/ . Many times an extended payment schedule or lower settlement payment can be negotiated with creditors. The key is that you must have a plan and communicate that plan to your creditors. The wicked borrow and do not repay. (Psalm 37:21)

9. Don’t be too proud to work temporarily at a job that pays less or you might consider to have less prestige than your previous position. Don’t be too proud to accept help from friends. You may be denying your others an opportunity to minister to you. When pride comes, then comes disgrace, but with humility comes wisdom. (Proverbs 11:2)

10. Sell excess stuff. Most people accumulate much more stuff and more expensive stuff than we really need. Have a garage sale or put your excess stuff on eBay. If you can’t pay your bills, you don’t need a $30,000 car; you need a $3,000 car until your financial situation changes. Do not store up for yourselves treasures on earth where moth and rust destroy, and where thieves break in and steal. (Matt 6:19)

Bonus Tip

Don’t worry. God has a plan and it’s a good one. Therefore I tell you, do not worry about your life, what you will eat or drink; or about your body, what you will wear. Is not life more important than food, and the body more important than clothes? Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they? Who of you by worrying can add a single hour to his life? (Matt 6:25-27)