Budget For Balance

How to Live With a 0 Credit Score

The credit score is a rating system designed to encourage you to remain in debt for the rest of your life. If you don’t believe me, see for yourself. The borrower is slave to the lender and I sure don’t want to be a slave to anyone. And because of my choice not to use debt my credit score is 0, but I don’t mind. Like anything else, your situation may be different than mine, but this is what I have learned in my experience. If a company gives you too much fuss about not having a credit rating just go somewhere else. There are simply too many choices out there to be bothered by a company with no common sense.

Take a look below and find out what some industries require to do business if you have a 0 credit score.

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How to Uncover the Secrets of Sexual Intimacy in Marriage

Note: This post is about marital sex and some of what you read here may be too blunt or straightforward for some of you. However, if you read on with an open mind I can assure you what you learn here will develop a foundation for the best marriage you can imagine. Also, I am a firm believer in sexual abstinence before marriage. We won’t get into the details of that in this post, but perhaps that’s a topic for another day.

If you are married or hope to be married someday then I have some good news for you. The book Sheet Music: Uncovering the Secrets of Sexual Intimacy in Marriage by Dr. Kevin Leman will do exactly what its title says and teach you everything you need to know about this particular subject.

If you have a great sex life:

A Quick Guide for New Bible Readers

If your life is out of balance, in particular your spiritual life, then I’ve got great news for you. There are only two steps to creating balance.

1. Read the Bible.

2. Do what it says.

Since this wouldn’t be of much help if I didn’t go into any more detail, I’ll help you get started.

When I first opened the Bible I didn’t understand a lot of it, but I figured if it had held true for thousands of years then there had to be some good stuff in there. So I gave it a shot and it changed my life. That change was definitely not overnight, more like a few years of reading, but nonetheless it absolutely changed my life for the better.

If you haven’t read the bible but are curious about it, read on because I’ve put together some information that should help.

The Best Way to Track Your Health is With Fitbit

One of the most measurable ways to find out if you are out of balance in your physical life is to step on a scale. Are you satisfied with the number you see, or would you rather not look? Either way, you could probably make some adjustments to your lifestyle to improve the balance in your physical life. The good thing about your heath is that you’re in control of it (well, that could also be a bad thing). You get to decide what you eat, what you drink, and whether you exercise or not.

Even when you do decide to make healthier decisions it’s still difficult to stay motivated and keep track of your diet and exercise. I recently came across two awesome tools that will help you stay motivated and keep track of the numbers. I actually own both products and have already recommended them to my family and friends because I truly believe they can help people live healthier lives.

What are these two tools that I find so helpful?

The Secret Behind a Successful Career

Rhinoceros Success by Scott Alexander is one of my all-time favorite books. It was what inspired me to make this website! The reason it is so awesome is because it actually contains the secret of success! After years of searching I was thrilled to have finally found it! Do you want to know what that is? Straight from the book,

“The secret of success is, naturally, becoming a rhinoceros.”

Most people are sheep or cows. They keep their heads down in the pastures and stay within the safe confines of the fences. Alexander says “[they] just don’t believe they can achieve and, consequently, they don’t try. They don’t give it even one good charge! They see all the opportunities floating by them, but believe success is for a few handpicked rhinos…Cows will tell you they are being realistic.”

So how will becoming a rhino help you live a balanced life?

How to Make A Personal Budget

Planning in advance is critical to having a balanced life. This post will cover how to exactly how to make a budget the balanced way. Before the next month begins sit down and think about all of the things you will spend money on for the upcoming month. The budget should be your playbook for allocating your money before it’s spent, so you will know exactly where it’s going, and not wonder where it went.

Before we get into the nitty gritty, if you’re starting a budget for the first time, you need to determine how much debt you have and determine the total market value of your assets. If you have never done this before it may take a couple hours, but is important for understanding the big picture of your personal finances.

Once you track down those numbers, separate your income into three categories: giving, saving, and spending.

I don’t believe it’s possible to fall out of love.

Love is an action not a feeling. Just like you choose to get up and go to work every day, you can also choose to get up and love your spouse. One problem is, sometimes people confuse love with infatuation. Infatuation is a very real thing that gives us a euphoric feeling when we are around our special someone. Unfortunately, that feeling fades over time. The average time for infatuation to last is about two years. And after it’s gone the little things will start to get on your nerves. Before, you “loved” them exactly how they were, but now, it’s different. You don’t see eye to eye like you used to on work, children, or whatever. The good news is, once you understand the difference between love and infatuation, it will be easier to create balance in your love life.

Here are some differences between infatuation and love:

Infatuation:

Is a feeling, a noun, a state of mind.

Is the result of spending time with or talking to someone.

You have no control over it and can lead to irrational decisions.

Love:

Belief Is Personal: Part 1

Pastor Andy Stanley did a fantastic series for North Point Community Church in Georgia about belief in Christianity. I borrow heavily from his message, but, as always, customize it for an audience looking for a balanced life. I believe a relationship with God is critical to achieving a true balance that lasts.

When someone considers becoming a Christian there is usually one big thing that gets in the way. That thing is usually some sort of objection that person just can’t seem to overcome. Christianity sounds nice and everything but this thing just doesn’t make sense. Even though a key component of Christianity is faith, it would be foolish to ask a non-believer to disregard their hesitations for the sake of faith.

The objections some people may have are things like:

How can there possibly be a God when there is so much suffering in the world?

I know a lot of people who say they are Christians that do bad things and I don’t want to be like them.

I was raised in a different religion, why should I believe in Christianity over my own?

If I embrace the teachings of Jesus and my whole family has never believed, then that’s like saying they are all wrong.

I just don’t buy the fact that one man can die and pay for the sins of everyone.

It could also be just as simple as saying why? Why should I become a Christian? Why don’t I become an astronaut? Because I just don’t want to.

The thing about all of this is that even if we answered all of these questions in detail, the person would still not become a Christian. We could even provide them with volumes of books on any single objection and it still would not matter.

The fact is you don’t become a Christian by overcoming your doubts.

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If you have a great sex life:

1. Read the Bible.

2. Do what it says.

If you haven’t read the bible but are curious about it, read on because I’ve put together some information that should help.

What is Facebook?

Why use Facebook?

Best Practices:

What are these two tools that I find so helpful?

“The secret of success is, naturally, becoming a rhinoceros.”

So how will becoming a rhino help you live a balanced life?

Once you track down those numbers, separate your income into three categories: giving, saving, and spending.

I don’t believe it’s possible to fall out of love.

Here are some differences between infatuation and love:

The objections some people may have are things like:

The fact is you don’t become a Christian by overcoming your doubts.

If you struggle with keeping commitments these tips should help:

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