Archive for the ‘Creative Finances’ Category

Articles about Finances

Tuesday, January 22nd, 2013

articles-about-financesHere are some interesting articles about finances, with personal stories from my own life on how we lived frugally for over a decade while living under a crushing load of debt. To hear my full finances story on audio, click here.

Saving Money
Top Ten Ways to Get Out of Debt
Saving Money on Groceries
Are Coupons Worth the Hassle?
Do Warehouse Clubs Save You Money?
Saving Money on Children’s Clothes
Don’t Fight Over Finances
Cutting My Family’s Hair
Selling my Hair

Yard Sales
Tips for Shopping at Garage Sales
Throwing a Fabulous Yard Sale
Used Curriculum Sale

Cheap Entertainment
Dollar Movies
Exploring Local Parks
8 Ways to Relax with Your Kids
Climbing Trees
Playing with Cheetos
Camping in the Backyard
Splashing in Puddles
Growing Indoor Grass
Mime Act for Kids
Making Sun Prints
Painting from a Water Bucket
Sidewalk Chalk
Vegetable Creatures
Boredom Busters for Kids

Cheap Food
Making Your Own Flavored Popcorn
Snowflake Funnel Cake
Ice Cream Floats

Giving to Others
Hoarding Money
Verses on Poverty
Exposing the Harm of Ultra-Frugality

GIVEAWAY: What other ideas do you have for cheap entertainment, either for date nights with your spouse or for fun as a family? Comment below to be entered into a drawing to win a copy of the DVD Money & America: What’s Going to Happen? worth $19.99. I will announce the winner (and e-mail the winner) on January 26, 2013. You must answer within 48 hours to claim your prize, or I will give the DVD to a different person.

Diane Hurst is our winner! I loved her idea for family game night! Feel free to add more ideas in the comment section.

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Don’t Fight Over Finances

Tuesday, January 8th, 2013

fight-over-financesIs money tight at your house? Does it cause stress in your marriage? Are you the opposite of your spouse as far as spending? All of these things were true for me. God transformed my mind to have supernatural peace about finances, even though we were still spiraling deeper and deeper into debt.

I came to a point in my marriage when I was yelling at my husband for how he spent money. I was so stressed over money that I felt like I was drowning. My husband wanted to go out on a date, but we didn’t have the money, so I couldn’t enjoy it.

I was bitter against my husband for how he spent money, even though I had no idea that I was bitter. If your marriage is strained, you might be bitter and not know it. Get into the silence and ask God if you’re bitter. Then be quiet, and you’ll know the answer. Ask God to help you get rid of the bitterness if it’s there. Only God can supernaturally take it away.

To be honest with you, money is still tight at our house. But all the stress is gone. I have complete peace. I don’t even care if I end up in a cardboard box on the street with my family, because I trust God, and my marriage is sweet. I trust my husband. He can buy anything he wants, and I feel sweet and happy and don’t judge him. How can this be? Yes, we’re out of credit card debt, but we were in deep credit card debt for 10 years, and I had this supernatural peace way before we were out of debt.

In other words, if you can actually manage to hand this whole finances thing over to God for real, even in the middle of your horrible finances, your marriage can be sweet, and you don’t have to fight, even if you’re still in debt.

I explain this way more in my audio, where I go into tons of detail, but please ask me questions, my sweet friends. I want so badly for you to have peace in the area of finances, and you can have that peace today.

I’m giving away three copies of my testimony “Don’t Fight Over Finances.” If you want to enter the drawing, leave a comment. Here is a description of what I’m giving away, which you could actually purchase if you don’t win the drawing: Don’t Fight Over Finances.  I will announce the winners (and e-mail them) on January 12, 2013.

Congratulations to the 3 winners of the giveaway, “Don’t Fight Over Finances”: Judi, Jane, and Brenda R. (I’m e-mailing each of you with the audio!)

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Top Ten Ways to Get Out of Debt

Tuesday, January 1st, 2013

ways-to-get-out-of-debtHere are the top 10 ways to get out of debt:

  1. Cancel your cell phone. You don’t need it. Your quality of life will improve, and you will be “present.” (Read How Technology Rules Us.)
  2. Cancel cable. If you spend less time watching TV, you will find things to do that will relax you and create joy and family bonding.
  3. Don’t eat out. Have easy meals that you can make for little to no effort. A speaker once asked the moms in the audience if they had ever served Cheerios for dinner, and a huge number of hands went up. I didn’t know I was allowed to serve Cheerios for dinner! But it’s better than going deeper into slavery (debt).
  4. Sell everything in your house that you aren’t using. If you were to pile all your stuff on your front lawn, the pile would be higher than your house. You have that much junk. Get rid of it and make some cash for paying off that debt.
  5. Buy used clothing. Brand new clothes are way more expensive, both for you and for your children. (Read Saving Money on Children’s Clothes.)
  6. Cut the hair of your family. I am a pathetic hair dresser, I don’t know how to cut hair, and I hate doing it. But I’ve saved over $1,000 by cutting the hair of my family. Buy the hair cutting scissors only, and buy them separately. You don’t need all the other junk in the kit.
  7. Buy groceries with cash. If you use cash, you will count the amount that you are spending as you put the items in the cart; you will spend way less and eat healthier. It’s been proven that you spend more when you pay with a credit card. (Read Saving Money on Groceries.)
  8. Cancel all of your credit cards except for one. Pay that one off every month. If you don’t have actual money for something, don’t buy it.
  9. Stop buying your coffee at Starbucks. Make your coffee at home.
  10. Pray that God will help you get out of debt. God is in control of the entire universe, and money sometimes comes from sources you would have never imagined. The truth is that in all of the points above, if you ask God to help you, He will. God has provided specific clothing needs, for example, and hunters have given us frozen meat to fill our freezer for free. God’s economy is outside the box and unconventional. Seek Him first, and all the rest will follow.

Here is a funny video about cutting up your credit cards:

Comment below to enter a givaway for a free hardcover copy of Dave Ramsey’s book The Total Money Makeover, worth $24.99. I will announce the winner (and e-mail the winner) on January 5th, 2013. The winner must answer my e-mail within 48 hours to claim their prize, or I will pick another winner.

The winner is Melanie Brewin. Congratulations!! You won the Dave Ramsey book!

Don’t forget to leave your comment: What are some ways that you have gotten out of debt or stayed out of debt?

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Dollar Movies

Thursday, July 19th, 2012

dollar-movies-1The summer is a great time to go to the dollar movies, and yes, they still exist in many cities. The tickets usually cost $3.50 instead of $1, but that’s still good when you have a family of six. The movies have been out of the real theaters by the time you see them at a dollar theater, which is about two months behind. In Spokane, the dollar movies are at the Garland Theater, which is huge and quite beautiful for an old movie theater. Yes, the floors are sticky, but who is going to complain? Oh, and every summer they show a free movie certain mornings, to help people get out of the heat. (Or to get them hooked on going to that theater so that they can stay in business throughout the year.)

We’ve watched several movies at this theater over the years, including “Cloudy with a Chance of Meatballs” and “Tangled.” It made us want to build boats out of sandwiches and float lanterns up into the sky. My kids love seeing movies on the big screen.

If yodollar-movies-3u have a zero budget, another way to watch fun movies during the summer with your family is to get some entertaining DVD’s from your library. Not all the videos are educational. Some of them are just for fun, and many are recent releases. Check them out, go home, pop yourself some popcorn, and declare a movie night!

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Throwing a Fabulous Yard Sale

Tuesday, July 17th, 2012
  1. The first step in throwing a fabulous yard sale is to de-clutter your entire house. Get rid of everything you can, including any pieces of furniture, putting them into your garage. If people drive by your yard sale and don’t see much, they won’t bother to stop. So if you don’t have enough stuff, ask relatives and friends if they would like to get rid of some stuff. My mother contributed to my yard sale, for example.
  2. The signs need to be clear, written with the thickest marker that exists. Find light-colored construction paper, and use your thick black marker to write “Yard Sale” with an arrow underneath. Do this on 12 large pieces of construction paper, all the same color. When someone is looking for your yard sale and they see the same color on the signs, they know that they are on the right track. Tape the construction paper to the side of a box. You will need 6 boxes, which you can get at Costco or any store that stacks boxes to the side. I forgot to say that your arrows should be 6 to the right, and 6 to the left. When taping the papers to both sides of the box, make sure the arrow points to the same location (opposite arrows).
  3. You will put a brick inside each box to make sure your boxes don’t fly away when you put them on the corners of major streets, leading the cars to your house. You might need more signs depending on how far you are from a big road.
  4. Borrow lots of card tables from neighbors and friends. Label the tables on the bottom to make sure you get them back to the right people. The more tables, the better. No one likes having to crouch down to the ground to see your stuff. You will sell more if the items are on tables.
  5. A free-standing iron bar for hanging clothes is ideal, but I didn’t have one, so I improvised. I hung shirts from a long bush along the side of my driveway. Throw away any clothing with stains, because stained clothing causes people to see your clothes as pieces of garbage, and they won’t buy the good ones either. If everything you display looks nice, people will walk up to it and buy some. I sold lots of clothing for $1 each. Most yard sales can’t sell their clothing because they are heaped up on a table, and who wants to weed through a mound of garbage? Not me. If each garment is hanging individually, people will go up and grab them. Put kids’ clothes together, women’s clothes together, and men’s clothes together.
  6. Several days before the yard sale, put up the card tables in your garage. Divide the stuff into sections. Put toys on one (or two) tables, housewares on another table, sheets and blankets on another table. I was selling a lot of sports equipment this time, so one table had sports stuff. (Unfortunately my driveway is a steep incline, so when people picked up the baseball mitts, an avalanche of balls fell down the driveway, and my customers were alarmed. Then they started laughing and running across the street to see who could grab the most balls before they slammed into the front door of the neighbor’s house across the street.)
  7. Now that you’ve sectioned off the categories on different tables, label the tables with the prices. Paperback books should be 50 cents, hard cover $1. If you charge too much for books, nobody will buy them. DVD’s should be $1; CD’s 50 cents. For my sports table, I put “Balls $1, mitts $4 each.” Toys should be marked individually. I hate those sticker labels that ruin stuff and won’t come off the items. I prefer to write the price with a normal Sharpie marker on white strips of paper, taping them to the item with clear Scotch tape. They always come off without ruining the object.
  8. If you have kids, consider having a bake sale, too. When I’m out yard saling with my mother, I always find it charming to buy a cookie or brownie for 50 cents from a kid. My kids baked the previous day, and we sold out of brownies quickly. My kids felt successful. Banana bread can be sold as a loaf for a higher price, $4.
  9. I don’t pay for newspaper advertising, because I don’t want to be forced to have a yard sale if it’s raining, or if I have no energy that day, or if the kids are barfing or sneezing with snot. Nope. Just put up signs the day you feel like doing it. I made over $200 last Saturday at our yard sale and had a steady stream of people. I only had one piece of furniture. I don’t think I would have had more traffic if I had advertised, and feeling trapped by the date is not a feeling I enjoy.
  10. Only have the sale one day. You make the bulk of the money on the morning of the first day. During the afternoon, you are lucky if you make $20. The whole next day, you are lucky if you make $20. For this reason, I always throw my yard sales from 8am to 1pm on a Saturday. This maximizes your time investment. Take the leftovers to Goodwill immediately after the yard sale. Then sit back and count your money in an air-conditioned house, whooping for joy with your children, who realize that they can now go on a short family vacation.
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Used Curriculum Sale

Friday, June 22nd, 2012

This week I attended a used curriculum sale. It’s basically a garage sale for homeschoolers. An entire church gymnasium is full of tables covered with homeschool curriculum that homeschool moms are selling. I used to rely on used curriculum sales heavily back when I had no money at all. You really can homeschool on a shoestring even if you are poor if you rely on God and ask Him whenever you need curriculum. God has always supplied my needs and even my wants through the years.

I haven’t been to a used curriculum sale in quite a while (because I buy things new to support homeschool companies), but since my unit study this fall is “The Renaissance,” I wanted to get a whole pile of stuff on the Renaissance, especially hands-on activities. Well, I found lots of Renaissance materials, which I will be showing you on my YouTube channel in September. One of those items was a video curriculum for the Reformation, which happens during the Renaissance. We’ve already seen the first one, and it’s good. My husband is glad that I’m teaching our kids about the Reformation, because it’s part of our church history just like the book of Acts is church history.

The best item I found was an interlinear Greek-English New Testament. My dad taught me biblical Greek three years ago (I show you what course it was in my Ancient Greece Unit Study YouTube video), and I always wanted a Greek New Testament with the English beside it. Those Bibles normally cost at least $40, and I bought mine for $2, and it was in new condition. I tried not to jump up and down when I saw it for fear that the seller would raise the price.

I bought a calligraphy set for $1, which my kids used today, after watching the video about John Wycliffe translating the Bible from Latin to English. This was before the printing press, so all the copies of Scripture had to be written by hand.

I picked up a copy of a book Roller Coaster Science for $1, since my sons like to know the physics behind the roller coaster rides. We are planning to go to Silverwood Theme Park this summer, since the kids earned free passes from “Reading is the Ticket.”

I thought it was sweet that one of my sons insisted that we buy Foods from the Bible, with recipes from Bible times, for 50 cents. We also found a modern Junior Cook Book from Better Homes and Gardens, a kid’s cook book. (I collect kid’s cook books. My kids enjoy cooking, and kid cook books are always splashy with color.)

I bought a new cursive handwriting book for my third son, who wanted it. It cost half of what it cost new. I got a “Where in the World is Carmen Sandiego” computer game to replace the one we used to have, which mysteriously disappeared. I found a crystal radio kit for my husband for $1. He collects old electronics kits for some reason, and he shows our boys how exciting the world of electronics can be.

I found a spy gadget kit for $1 (a backpack alarm), a pair of glasses that makes you think you’re a fly for 50 cents, a watercolor how-to book, The Hiding Place (book), and The Federalist Papers (book). My husband was pleased that I bought The Federalist Papers. He’s strongly into the Constitution, which I’m sure all homeschoolers are, since we value our freedom and independence.

I got several other things, but the one book I put beside my bed was Margin: Restoring Emotional, Physical, Financial, and Time Reserves to Overloaded Lives. Yes, I think I’ll read that one first…

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Hoarding Money

Thursday, March 15th, 2012

hoarding-money“I don’t give a flip about the poor. I think they are lazy frauds that beg off people just to go buy booze. Why on earth should I help them?” I declared to my husband.

After doing a Beth Moore Bible study on the book of James, I was aghast at how many Scriptures command us to help the poor. Helping the poor is something commanded by Jesus, James, and tons of other Scriptures. I was floored and horrified because I have never heard a sermon about helping the poor, and I don’t care one whit about them. What is wrong with my hardened heart?

(Here are some verses about helping the poor. If you want to read them, I wrote them out here. Exodus 22:21-27, Leviticus 19:9-10, Leviticus 25:35-38, Deuteronomy 14:28-29, Deuteronomy 15:7-11, Deuteronomy 24:17-22, 1 Samuel 2:7, Nehemiah 5:6-13, Psalm 12:5, Psalm 112:5, Proverbs 14:21, Proverbs 14:31, Proverbs 17:5, Proverbs 19:17, Proverbs 22:16, Proverbs 28:8, Proverbs 28:27, Isaiah 3:14, Isaiah 58:5-7, Isaiah 61:1-2, Ezekiel 18:5-9, Amos 5:11, Matthew 19:21, Luke 6:34-35, 38, Luke 14:12-14, Galatians 2:10, James 2:1-7, Revelation 3:17.)

As I was reading the book of James, I was convicted that we live “in luxury and in self-indulgence” in this country, and meanwhile other believers are working hard and don’t have enough to feed their families. In the body of Christ, we ought to fill each other’s needs instead of overpampering ourselves. My husband has the gift of giving. If he sees a need, he automatically fills the need of the other person. I am not talking about professional beggars that are liars. What I’m talking about is interconnecting with other believers in the body of Christ, whether at a local church, or with other homeschoolers, or with friends. These people aren’t lazy and shouldn’t be lumped in with frauds.

I do NOT believe the poor should get help from the government (aside from not having to pay taxes), because then they feel a sense of entitlement and demand it, and the majority stop working. That’s sin. If someone doesn’t work, neither shall he eat. (II Thessalonians 3:10) If someone doesn’t provide for his family, he is worse than an unbeliever. (I Timothy 5:8) But if someone is working hard and still can’t feed his children, and you know about it and do nothing, you are guilty of sin. Read James 2:15-17: “If a brother or sister is poorly clothed and lacking in daily food, and one of you says to them, ‘Go in peace, be warmed and filled,’ without giving them the things needed for the body, what good is that? So also faith by itself, if it does not have works, is dead.” God says your faith is dead if you see someone in need (for real), and you don’t help them.

We enjoy hoarding and piling up all of our money at the bank. There is nothing wrong with being rich, since Abraham was rich, and so was Job, and they were both godly people. But both Abraham and Job gave to other people and didn’t just hoard it to amass riches.

This whole idea of hoarding money reminds me of the man in Scripture who had full granaries and worked super hard to become rich, only to have his soul required of him that very night. “But God said to him, ‘You fool! This very night your life will be demanded from you. Then who will get what you have prepared for yourself?’” (Luke 12:20)

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Verses on Poverty

Thursday, March 15th, 2012

verses-on-povertyThe Bible has a lot to say about poverty. Here are some verses on poverty:

Exodus 22:25-27 If you lend money to any of my people with you who is poor, you shall not be like a money lender to him, and you shall not exact interest from him. If ever you take your neighbor’s cloak in pledge, you shall return it to him before the sun goes down, for that is his only covering, and it is his cloak for his body; in what else shall he sleep? And if he cries to me, I will hear, for I am compassionate.

Leviticus 19:9-10 When you reap the harvest of your land, you shall not reap your field right up to its edge, neither shall you gather the gleanings after your harvest. And you shall not strip your vineyard bare, neither shall you gather the fallen grapes of your vineyard. You shall leave them for the poor and for the sojourner: I am the LORD your God.

Leviticus 25:35-38 If your brother becomes poor and cannot maintain himself with you, you shall support him as though he were a stranger and a sojourner, and he shall live with you. Take no interest from him or profit, but fear your God, that your brother may live beside you. You shall not lend him your money at interest, nor give him your food for profit. I am the LORD your God, who brought you out of the land of Egypt to give you the land of Canaan, and to be your God.

Deuteronomy 15:7-11 If among you, one of your brothers should become poor, in any of your towns within your land that the LORD your God is giving you, you shall not harden your heart or shut your hand against your poor brother, but you shall open your hand to him and lend him sufficient for his need, whatever it may be. Take care lest there be an unworthy thought in your heart and you say, ‘The seventh year, the year of release is near,’ and your eye look grudgingly on your poor brother, and you give him nothing, and he cry to the LORD against you, and you be guilty of sin. You shall give to him freely, and your heart shall not be grudging when you give to him, because for this the LORD your God will bless you in all your work and in all that you undertake. For there will never cease to be poor in the land. Therefore I command you, ‘You shall open wide your hand to your brother, to the needy and to the poor, in your land.’

Deuteronomy 24:17-22 You shall not pervert the justice due to the sojourner or to the fatherless, or take a widow’s garment in pledge, but you shall remember that you were a slave in Egypt and the Lord your God redeemed you from there; therefore I command you to do this. When you reap your harvest in your field and forget a sheaf in the field, you shall not go back to get it. It shall be for the sojourner, the fatherless, and the widow, that the Lord your God may bless you in all the work of your hands. When you beat your olive trees, you shall not go over them again. It shall be for the sojourner, the fatherless, and the widow. When you gather the grapes of your vineyard, you shall not strip it afterward. It shall be for the sojourner, the fatherless, and the widow. You shall remember that you were a slave in the land of Egypt; therefore I command you to do this.

1 Samuel 2:7 The LORD makes poor and makes rich; He brings low and He exalts. He raises up the poor from the dust; He lifts the needy from the ash heap to make them sit with princes and inherit a seat of honor. For the pillars of the earth are the Lord’s, and on them He has set the world.

Nehemiah 5:6-13 I was very angry when I heard their outcry and these words. I took counsel with myself, and I brought charges against the nobles and the officials. I said to them, “You are exacting interest, each from his brother.” And I held a great assembly against them and said to them, “We, as far as we are able, have bought back our Jewish brothers who have been sold to the nations, but you even sell your brothers that they may be sold to us!” They were silent and could not find a word to say. So I said, “The thing that you are doing is not good. Ought you not to walk in the fear of our God to prevent the taunts of the nations our enemies? Moreover, I and my brothers and my servants are lending them money and grain. Let us abandon this exacting of interest. Return to them this very day their fields, their vineyards, their olive orchards, and their houses, and the percentage of money, grain, wine, and oil that you have been exacting from them.” Then they said, “We will restore these and require nothing from them. We will do as you say.” And I called the priests and made them swear to do as they had promised. I also shook out the fold of my garment and said, “So may God shake out every man from his house and from his labor who does not keep this promise. So may he be shaken out and emptied.” And all the assembly said “Amen” and praised the LORD. And the people did as they had promised.

Psalm 12:5 “Because the poor are plundered, because the needy groan, I will now arise,” says the LORD; “I will place him in the safety for which he longs.”

Psalm 112:5 It is well with the man who deals generously and lends; who conducts his affairs with justice.

Proverbs 14:21 Whoever despises his neighbor is a sinner, but blessed is he who is generous to the poor.

Proverbs 14:31 Whoever oppresses a poor man insults his Maker, but he who is generous to the needy honors him.

Proverbs 17:5 Whoever mocks the poor insults his Maker; he who is glad at calamity will not go unpunished.

Proverbs 19:17 Whoever is generous to the poor lends to the LORD, and he will repay him for his deed.

Proverbs 22:16 Whoever oppresses the poor to increase his own wealth, or gives to the rich, will only come to poverty.

Proverbs 28:8 Whoever multiplies his wealth by interest and profit gathers it for him who is generous to the poor.

Proverbs 28:27 Whoever gives to the poor will not want, but he who hides his eyes will get many a curse.

Isaiah 3:14 The LORD will enter into judgment with the elders and princes of his people: “It is you who have devoured the vineyard, the spoil of the poor is in your houses.”

Isaiah 58:5-7 Is not this the fast that I choose: to loose the bonds of wickedness, to undo the straps of the yoke, to let the oppressed go free, and to break every yoke? Is it not to share your bread with the hungry and bring the homeless poor into your house; when you see the naked, to cover him, and not to hide yourself from your own flesh?

Isaiah 61:1-2 The Spirit of the Lord GOD is upon me, because the LORD has anointed me to bring good news to the poor; he has sent me to bind up the brokenhearted, to proclaim liberty to the captives, and the opening of the prison to those who are bound; to proclaim the year of the LORD’s favor, and the day of vengeance of our God; to comfort all who mourn.

Ezekiel 18:7-9 If a man does not oppress anyone, but restores to the debtor his pledge, commits no robbery, gives his bread to the hungry and covers the naked with a garment, does not lend at interest or take any profit, withholds his hand from injustice, executes true justice between man and man, walks in my statutes, and keeps my rules by acting faithfully—he is righteous; he shall surely live, declares the Lord GOD.

Amos 5:11 Therefore because you trample on the poor and you exact taxes of grain from him, you have built houses of hewn stone, but you shall not dwell in them; you have planted pleasant vineyards, but you shall not drink their wine.

Matthew 19:21 Jesus said to him, “If you would be perfect, go, sell what you possess and give to the poor, and you will have treasure in heaven; and come, follow Me.”

Luke 6:34-35, 38 And if you lend to those from whom you expect to receive, what credit is that to you? Even sinners lend to sinners, to get back the same amount. But love your enemies, and do good, and lend, expecting nothing in return, and your reward will be great, and you will be sons of the Most High, for he is kind to the ungrateful and the evil… Give, and it will be given to you. Good measure, pressed down, shaken together, running over, will be put into your lap. For with the measure you use it will be measured back to you.

Luke 14:12-14 He said also to the man who had invited him, “When you give a dinner or a banquet, do not invite your friends or your brothers or your relatives or rich neighbors, lest they also invite you in return and you be repaid. But when you give a feast, invite the poor, the crippled, the lame, the blind, and you will be blessed, because they cannot repay you. For you will be repaid at the resurrection of the just.”

Galatians 2:10 Only, they asked us to remember the poor, the very thing I was eager to do.

James 2:1-7 My brothers, show no partiality as you hold the faith in our Lord Jesus Christ, the Lord of glory. For if a man wearing a gold ring and fine clothing comes into your assembly, and a poor man in shabby clothing also comes in, and if you pay attention to the one who wears the fine clothing and say, “You sit here in a good place,” while you say to the poor man, “You stand over there,” or, “Sit down at my feet,” have you not then made distinctions among yourselves and become judges with evil thoughts? Listen, my beloved brothers, has not God chosen those who are poor in the world to be rich in faith and heirs of the kingdom, which he has promised to those who love him? But you have dishonored the poor man. Are not the rich the ones who oppress you, and the ones who drag you into court? Are they not the ones who blaspheme the honorable name by which you were called?

Revelation 3:17 For you say, I am rich, I have prospered, and I need nothing, not realizing that you are wretched, pitiable, poor, blind, and naked.

ESV

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