Mon | Oct 22, 2018

Faith Counsellor | Help! Money blows through my hands

Published:Saturday | July 2, 2016 | 12:00 AM

Dear Joan,

I badly need your help as I am afraid that my husband of one year will soon leave me. Honestly, I have never learnt how to budget. I am 24 years old and recently celebrated my first wedding anniversary. I have been working for two years and I, pretty much, just buy whatever I need - well my needs weren't much anyway. My husband and I are both working, but these days, it seems that we just can't make ends meet. By the time we pay the bills, we are broke. He keeps asking what I do with the money. To tell the truth, I don't know either. I go to the supermarket and market every week. Sometimes I buy items we don't really need, but I figure I am treating him. I love to buy clothes and shoes and I also treat him too.

He is threatening to pay his part of the bills and keep the rest of his pay. Joan, what am I doing wrong?

- D.P.

Dear D.P.,

Many persons struggle with proper financial management. As a young couple, you should have both sat down and discussed how you are going to pool your resources. Going to the market and supermarket every week does not make any sense. Go to a wholesale and buy most of what you need for the month. In that way you save on the weekly fare (or, if you drive, gas). Buying in bulk gives you a better deal also.

You have to decide if you want to have a closet full of clothes you don't really need or you want to start an active savings which you can later invest to turn over for you. As a young, married couple, you will soon start to think about adding to the family, so it is wise to be financially prudent now.

It would also help if you both have a talk with a financial adviser. In the meantime, however sit down with your husband and work on a monthly budget and try to stick to it.


I don't get anything from reading the Bible


Dear Joan,

I am a young convert and I am excited about this journey I have started. The trouble, though, is that I just can't enjoy reading the Bible. If this is the book that will help me to grow as a believer, how will that happen when I don't get anything from it?

I hear believers saying how the Bible just 'lights up' and gives them the answers they are seeking, but that's not happening for me. Does it mean I am not really saved then?

- J.K.

Dear J.K.,

The minute you ask Jesus to come into your life and forgive your sins, you are saved. Don't ever question that. The Bible is not an easy book to understand and, for young believers, it can be particularly challenging.

However, don't stress so much about it. just continue to read it daily. For now, just try to study a few verses and read a lot of the Psalms and the New Testament. If your church has Bible studies, make sure you attend as many of the sessions as you can. Later on, just read short passages and meditate on what it means or how it connects to your life. Soon or later, you will be one of those believers saying passages are 'jumping out' at you.


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