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KoehnS(AШd A A @T3$ўџS(AШd A A @T†$ўџS You've just received your paycheck or check from a customer. Now what do you do? S(AШd A A @TV$ўџGo spend it!, Noooo.S(AШd A A @wџџT3$ўџS(AШd A A @Th$ўџј First off figure out 10% of it for tithe, the New testament does not require it. However out of Love for Jesus Christ you should be willing to give to God at least 10% of the money He gave you. (For He is allowing you to keep 90% of His Money.)1 S(AШd A A @A8іїA8 іїA8 іїA8їјxd Td$ўџ'Why should we give money to God's work?S2AШd A  A A @T=$ўџS2AШd A  A A @TЦ$ўџ‰ S2AШd A  A A @TЦ$ўџ‰ S2AШd A  A A @TЦ$ўџ‰ S2AШd A  A A @T=$ўџS2AШd A  A A @T4$ўџ S(AШd A A @T‚$ўџO Secondly don't waste your precious gift from God on foolish things. Plan ahead. Perhaps put a bit into savings. When you do spend it don't be tempted by a whim think about it, unless its an absolute must like groceries. Even there though determine what is necessary and what is not. Do you really need that candy bar from the counter?S(AШd A A @T_$ўџ"What would you consider necessary?S2AШd A  A A @T=$ўџS2AШd A  A A @TФ$ўџ‡ S2AШd A  A A @TФ$ўџ‡ S2AШd A  A A @TФ$ўџ‡ S2AШd A  A A @T=$ўџS2AШd A  A A @T$$ўџSA  A @T­$ўџp Something even more critical is medical needs. Don't put these needs off however make sure they are necessary. S2AШd A  A A @T3$ўџS(AШd A A @T3$ўџS(AШd A A @Tњ$ўџЋ Them bills that are pilling up that is what you should pay off first. Debt makes for a stressful life and besides the debt will get larger with things like credit cards.2S(AШd A A @A8ЊЋA8 ЊЋTz$ўџ=Is there any debt(s) that you know you should get cleared up?S2AШd A  A A @T=$ўџS2AШd A  A A @T$ўџ` S2AШd A  A A @T$ўџ` S2AШd A  A A @T$ўџ` S2AШd A  A A @T3$ўџS(AШd A A @T4$ўџ S(AШd A A @T$ўџл Which brings me to another portion. You have a credit card and you've so bad been wanting a new, larger TV, faster Computer, New Car, you name it. Take a couple things into consideration first off, do I really need it?S(AШd A A @T™$ўџ\Is there anything you really need, or do you just really want it? Look to the example below.S2AШd A  A A @T=$ўџS2AШd A  A A @Tk$ўџ* S(AШd A A @A8 *Tg$ўџ* S2AШd A  A A @T’$ўџI SA @A8*A8 *A8*Шd T3$ўџS(AШd A A @Tя$ўџМ For example your computer is really slow none of your new computer software doesn't want to work. However should you buy it on the credit card, or even get a loan? Well wait a second does it have to be one so expensive that you must get a giant loan for the next few years? How about just waiting a bit more and saving up a bit till you can afford it. Surely you could take time away from the computer and spend more of it with your family.S(AШd A A @T3$ўџS(AШd A A @Tъ$ўџЗ A different area is what if its a business expense. Do you get it or not you know you can take it off on your taxes. I would apply the same guidelines. I'll make them in a list here.S(AШd A A @To$ўџ2Are there any business needs that you really need?S2AШd A  A A @T=$ўџS2AШd A  A A @TŠ$ўџA SA @A8AA8 AA8AШd T\$ўџ8 SA  A @T\$ўџ8 SA  A @T>$ўџ S2AШd A  A A @T€$ўџ10% to give to God.SVAP6ddхўdQAШd A A @A @ 411750911џџ3 T$ўџ"Save some of your money maybe 10%.SVAP6ddхўdQAШd A A @A @ 411750911џџ3 T”$ўџ'Determine what you need and don't need.SVAP6ddхўdQAШd A A @A @ 411750911џџ3 T€$ўџPay off your bills.SVAP6ddхўdQAШd A A @A @ 411750911џџ3 T‰$ўџTry not to use a credit cardSVAP6ddхўdQAШd A A @A @ 411750911џџ3 Tœ$ўџ/ unless you can afford to buy it with the moneySVAPQdddQAШd A A @A @ 411750911џџ3 "Tœ$ўџ/ you have in your bank account, and/or on hand.SVAPQdddQAШd A A @A @ 411750911џџ3 "TŽ$ўџ!Don't spend money you don't have.SVAP6ddхўdQAШd A A @A @ 411750911џџ3 T–$ўџ)Business expense. Look to guidelines 1-5.SVAP6ddхўdQAШd A A @A @ 411750911џџ3 Th$ўџ5These are some guidelines I hope you may find useful.S(AШd A A @T3$ўџS(AШd A A @T3$ўџS(AШd A A @Tm$ўџ: Now that we have gone through a variety of money issues. S(AШd A A @Tž$ўџOI hope that you will seek God's will in handling (His money He has given you)1.S(AШd A A @A8MNA8 MNTu$ўџ4 A motto to remember. "Is it Necessary, Right Now?" S(AШd A A @A84T4$ўџ S(AШd A A @T3$ўџS(AШd A A @T3$ўџS(AШd A A @TЦ$ўџ=1. Based on what I have learned from my Dad, Delton G. Koehn.SLAPdddAШd A @A @ 413702501џџA8A8 A83 TБ$ўџ(2. Based on something Clint Powell said.SLAPdddAШd A @A @ 413702501џџA8A8 A8"3 TЪ$ўџO3. 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