January 2018
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New Year Goals

The results below come from a survey conducted in 2016 showing the top financial resolutions people made. If these look like some of your goals for 2018 then continue reading this and future emails for helpful hints on managing your money God's way. Happy New Year 2018!


IRA, RMD, QCD... What's all that?

If you haven't turned 70 1/2 years old yet, it won't mean much (unless you financially coach a parent or grandparent). At that age, someone with an Individual Retirement Account meets up with an annual Required Minimum Distribution. This required minimum distribution (up to $100,000) can be given directly to the church tax-free any time of year. Gifts from an IRA beyond the Required Minimum can be given as a Qualified Charitable Distribution in the same way. Simply ask your IRA administrator to send a check directly to the church, school, conference or other charitable organization and then give that treasurer a heads-up. This donation should be recorded as a "non tax deductible" gift by the treasurer since this money was given before taxes were paid. If given to a church treasurer you may designate the money for tithe, local church budget, building fund etc. just as you would other gifts, but the receipt back to you will show a "non tax deductible" gift.


Two Bad Tires and Three Twenty-Dollar Bills

By Elder Stephen Orian printed in the book Over & Over Again!

A week earlier my wife, Micki, had just brought our second son home from the hospital when she had to be rushed back with life-threatening complications. Now she was with her parents in Arkansas, where she would get some needed rest and a proud grandmother could look after her newborn grandson.

I was home alone in Arlington, Texas, on a Wednesday morning when the mail brought my monthly paycheck. At the kitchen table I prepared a bank deposit slip for the check, figured our usual tithe and offerings, and reviewed the bills that needed to be paid. These included some unplanned expenses for Micki's second hospitalization. Then I remembered the car had two tires that were going bald and would very soon need to be replaced. I was overwhelmed with worry. Where could I find the money to pay for all of this?  click to continue reading

From the book Over & Over Again! written by Ronald Alan Knott printed by the North American Division of Seventh-day Adventists 1998


January 2018 "The Stewpot" Link

Here is a small, monthly publication that has some great ideas for Christian stewardship. Click here to download this month's Stewpot in EnglishSpanish, or French.


In$ufficient project

The In$ufficient project consists of 15 unique presentations on the topic of stewardship, presented by five female spiritual leaders in North America: Brenda BillingyAdly CamposJennifer DeansSonia Perez, and Bonita Shields.

Christians often live with an “insufficient” mindset; that is, they don’t live as if God and His care of us are sufficient. However, the goal of this project is to help people think more intentionally about what it means to live as a faithful steward of God’s resources—not only of His financial blessings to us, but in regard to our time and talents as well. God gives us more than enough!

All resources including sermons, sermon notes, discussion questions and more are available FREE at the website www.theinsufficientproject.com.

The four-DVD set will be available from AdventSource (catalog #319043) at the regular cost of $19.95. If you wish to order through the Stewardship Department, for a limited time, the DVD set is $10.00 per set. Call 318-631-6240 ext. 108 (Tony) or 109 (Marjorie) or email tcash@arklac.org with your request.


Paying off debt smallest to largest

An average family has multiple lines of credit they are trying to pay off at the same time: credit cards, auto loans, student loans, etc. One proven method of paying those debts off is the debt snowball.

The first step is to decide against going further in debt. Next, set up an emergency fund to help soften the bumps of life while making minimum payments on your debts. Any extra money you can scrape up from a side job, working overtime, selling stuff you don't need, put on the smallest debt (the one with the smallest balance). When that debt is paid off, then add the payment to the next smallest debt. Debts will pay off faster because of the extra amount being applied to principle. Keep doing this until all your debt is paid off. 

Like a snowball that starts small and then picks up additional snow as it rolls, so your ability to pay off some of those larger debts will grow as you pay off the smaller ones and apply those payments to the larger debts. With dedication over time, you will see those debts "melt" away.

Here is a link to a spreadsheet that will show how quickly you can get out of debt. 

NAD Stewardship department calls it the "rollup method." Here is a link to their information. 

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