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<strong>Gò0dNews</strong> on Money Matters Another Year Older . . . Any Wiser W ith the turn of another new year, we reflect on the past year and remember our regrets of where we fell short on last year’s New Year’s resolutions. This is a sobering exercise, typically ending in the self-assessment, “What happened” After all, we were committed to those goals (sort of, for a while anyway), but there were some resolutions that we never achieved. So we are reminded of that maxim which says jeeringly, “The road to hell is paved with good intentions.” Since one of the top New Year’s resolutions is to save more money and get out of debt, one might do well to remember another famous maxim: “The definition of insanity is to keep doing the same things you’ve done in the past and expect to get a different result.” If you were one of the millions of Americans whose goal was to make better financial decisions, how did that work out for you An honest and candid self-assessment may be in order at this point. • Did you really save more money last year If so, how Couponing Putting money into a savings account or toward your retirement savings or kids’ college funds • Did you make substantial and deliberate progress toward paying off by Andrew Lee debt Did you really pay down the principal balances of loans, or did you merely make the regular monthly interest payments • Did your income increase at all last year If not, why not Might you earn more income by temporarily taking a second job or by selling items in a yard sale or online • Have you gotten on a written budget yet, and are you really trying to make financial decisions about purchases based on this written monthly budget (or did this goal get listed again for your 2015 resolutions) • Were you able to give charitably to all the worthy causes you wanted If not, why not Even if we did set and meet some of our New Year’s resolutions, it’s natural for us to feel discouraged about where we fell short or missed the desired goal. But if we can learn from our past mistakes and correct them, we have hope for a better future. Here is an example of a financial mistake I made when I was a young bachelor. After signing a three-year lease on a flashy sports car, I entered the third year of the lease and realized that I would certainly exceed the allowable mileage on the car, which meant I would have to pay thousands of dollars in extra fees. During this time, courtship was quite a challenge considering I had to park my flashy sports car most of the time and ask Esmerelda, “Can you pick me up so I can take you on a date” Lucky for me, she was a good sport, but it was definitely a teachable moment for both of us, and we’ve never leased a car since. Learning from our mistakes is one of the great gifts with which God has blessed us. 10 // January 2015 Dr. Andrew Lee is associate professor of English at Lee University. He also serves as a coordinator for Dave Ramsey’s Financial Peace University. He and his wife Esmerelda have three children.
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Page 1: January 2015 Complimentary Gò0dNew
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Page 6 and 7: Gò0dNews from the Pastor’s Desk
Page 8 and 9: Gò0dNews for Kids Romans 5:3-5 It
Page 12 and 13: Gò0dNews for Men Men of Integrity
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Page 28 and 29: Gò0dNews for Seniors A Winter Walk
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