{"id":302789,"date":"2013-07-31T11:00:00","date_gmt":"2013-07-31T15:00:00","guid":{"rendered":"https:\/\/wp-stage.familylife.com\/www\/podcast\/%series%\/sweet-saving\/"},"modified":"2013-07-31T11:00:00","modified_gmt":"2013-07-31T15:00:00","slug":"sweet-saving","status":"publish","type":"podcast","link":"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/sweet-saving\/","title":{"rendered":"Sweet Saving"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"<p>Savers extraordinaire Crystal, Steve and Annette share their most frugal tips for saving on groceries and paying off debt, including mortgages.<\/p>\n","protected":false},"author":91,"featured_media":294104,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","inline_featured_image":false,"_uag_custom_page_level_css":"","episode_type":"","audio_file":"https:\/\/web.familylifetoday.com\/fl2013-07-31.mp3","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"00:","filesize":"21.44M","filesize_raw":"22481170","date_recorded":"","explicit":"","block":""},"categories":[2851],"tags":[4525,4285,5299],"podcast_series":[7964],"cwp_profile":[3206,3272],"series":[2101],"class_list":["post-302789","podcast","type-podcast","status-publish","has-post-thumbnail","hentry","category-finances","tag-finances","tag-generosity","tag-money-saving","podcast_series-money-saving-families","cwp_profile-crystal-paine","cwp_profile-steve-and-annette-economides","series-familylife-today"],"acf":[],"episode_featured_image":"https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2024\/09\/FLT-Podcast-Cover-2-508x508-3.jpg?w=508","episode_player_image":"https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2023\/02\/image-scaled.jpg","download_link":"https:\/\/wp-stage.familylife.com\/www\/podcast-download\/302789\/sweet-saving","player_link":"https:\/\/wp-stage.familylife.com\/www\/podcast-player\/302789\/sweet-saving","audio_player":null,"episode_data":{"playerMode":"light","subscribeUrls":{"apple_podcasts":{"key":"apple_podcasts","url":"https:\/\/podcasts.apple.com\/us\/podcast\/familylife-today\/id212174303?mt=2&app=podcast","label":"Apple Podcasts","class":"apple_podcasts","icon":"apple-podcasts.png"},"google_podcasts":{"key":"google_podcasts","url":"","label":"Google Podcasts","class":"google_podcasts","icon":"google-podcasts.png"},"spotify":{"key":"spotify","url":"https:\/\/open.spotify.com\/show\/0j5UaKdQOHQCuo1bt0ebEm","label":"Spotify","class":"spotify","icon":"spotify.png"},"youtube":{"key":"youtube","url":"","label":"YouTube","class":"youtube","icon":"youtube.png"}},"rssFeedUrl":"https:\/\/wp-stage.familylife.com\/www\/feed\/podcast\/familylife-today","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"lp7lczypfB\"><a href=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/sweet-saving\/\">Sweet Saving<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/sweet-saving\/embed\/#?secret=lp7lczypfB\" width=\"500\" height=\"350\" title=\"&#8220;Sweet Saving&#8221; &#8212; FamilyLife\u00ae - A Cru Ministry\" data-secret=\"lp7lczypfB\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script>\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/wp-stage.familylife.com\/www\/wp-includes\/js\/wp-embed.min.js\n<\/script>\n"},"spectra_custom_meta":{"_wp_page_template":["default"],"transcript_url":["https:\/\/transcript.familylifetoday.com\/fl2013-07-31.pdf"],"audio_file":["https:\/\/web.familylifetoday.com\/fl2013-07-31.mp3"],"transcript_content":["<p>\n\t\t\t\t<strong>Bob:<\/strong> Crystal Paine believes that what really matters, when it comes to your family\u2019s finances, has more to do with your contentment than it does with your bank statement. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Contentment, for me\u2014I really feel like that is the key issue to financial success, especially as a Christian. If we can just learn to be content with what God has given us\u2014I mean, because, really, when we are discontent, we are saying that God is not good enough. You know, we need to accept what God has given us with a joyful, thankful heart. When you have that gratitude for what God has given you, it changes your whole outlook. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> This is <em>FamilyLife Today<\/em> for Wednesday, July 31<sup>st<\/sup>. Our host is the President of FamilyLife<sup>\u00ae<\/sup>, Dennis Rainey, and I\u2019m Bob Lepine. We have some very practical suggestions for you today on how you can get your financial house in order, as a family. Stay with us. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd welcome to <em>FamilyLife Today<\/em>. Thanks for joining us. <br>\u00a0\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> I\u2019m grabbing my billfold right now. I can tell you, for sure. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> You hanging on tight? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> I\u2019m hanging on tight. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Are you afraid somebody is going to pry it out of your hands or what? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Well, I just heard about the new book you are writing. [Laughter] You want to share it with our listening audience? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Well, because of the guests we have with us this week\u2014we\u2019re talking with Crystal Paine, who wrote a book called <em>The Money Saving Mom\u2019s Budget<\/em> and has the Money Saving Mom<sup>\u00ae<\/sup> blog; right? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob:<\/strong> And we\u2019re also talking to Steve and Annette Economides, who have written <em>The MoneySmart Family<\/em><sup>\u2122<\/sup><em> System<\/em>; and that\u2019s your third book. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> What are your other two books? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> The first book is called <em>America\u2019s Cheapest Family Gets You Right on the Money<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> And the second book is <em>Cut Your Grocery Bill in Half<\/em>, and then, the third book is <em>The MoneySmart Family System<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Okay, so, since we\u2019re talking about all of this, I thought, \u201cI need to write a book on this.\u201d And I\u2019ve come up with my title\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> And the name of that book would be? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> <em>Fifty Shades of Frugal<\/em>. [Laughter] That\u2019s what\u2014I just think that would sell well; don\u2019t you think? Look for it on your newsstands soon. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Okay, Steve, let\u2019s talk about saving on groceries. I mean, these are serious economic days. A lot of families are challenged to be able to make ends meet. Give a couple your best advice concerning saving at the grocery store. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> First off, saving at the grocery store is the fastest way for a family to turn their finances around\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014because, in one month\u2019s time, just making a few changes, you could cut 40-50 percent off your grocery bill without clipping a single coupon. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> So, if you are going to zero in one area of the family, you\u2019d start at the grocery store. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Annette:<\/strong> Absolutely, you can\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Well, yes and no. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> \u2014save at least $4,000 a year\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> \u2014just starting with groceries. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> But you have to have a way to capture that savings. That\u2019s why you need a budget; because if you save the money but blow it\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Got it.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014you\u2019re no money ahead. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> So, you start with a budget\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> \u2014but where do you start trimming is at the grocery store? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Right. We\u2019ve got thousands of ideas; okay? But let me just say, when we go grocery shopping, we do it as a team. We take walkie-talkies. I do the inside aisles of the store\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014and Steve does the outer loop. So, he does the produce, the dairy, the meat, and\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> And you\u2019re doing the canned goods and the frozen foods. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Annette:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Okay. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Right, works through that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> But key\u2014number one, you\u2019ve got to have a plan because the grocer has a plan already. The grocer\u2019s plan is for you to pick up 60 percent of the items <em>he<\/em> wants you to buy\u201460 percent impulse buys. That means\u2014if you go to the store for 10, you\u2019re going pick up 16. So, you need have a plan before you go into the store; but it\u2019s like anything in life: The more you plan, the more efficient you\u2019re going to be, and the more you save. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> So, start with a list. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Help me spot the impulse buys. Where are they? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Steve:<\/strong> They\u2019re\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Oh, they\u2019re everywhere! It\u2019s whatever you\u2019re feeling at the moment. It\u2019s whatever you are feeling at the moment. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> It starts when you walk in the door and you smell the rotisserie chicken. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Or the French bread that just baked, and it\u2019s not on your list. So, you need to have a list. We have a downloadable list on our website, AmericasCheapestFamily.com, where people can adjust it to whatever they want it to be. That\u2019s the first thing\u2014is to have a list. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThe second thing is to make a plan. We tell people, \u201cIf you\u2019re just starting out, start with dinner because that\u2019s probably the most difficult meal of the day.\u201d That\u2019s when people are tempted to just throw in the towel and say, \u201cLet\u2019s just go get fast food or go to a restaurant.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Especially, if mom\u2019s out working. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> You come home\u2014and the tendency to say, \u201cLet\u2019s just do fast food.\u201d Fast food is going to cost $20 or $30, and you do that five times a week. You\u2019re talking thousands of dollars a year. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> So, plan your menu and use your food ads. Every week, around the country, there is a newspaper with food ads. Those are like your map, your lottery ticket\u2014whatever you want to call them\u2014those are your key to saving because there is something called \u201closs leaders\u201d that are going to be in those food ads\u2014Crystal, you just jump in whenever you want to\u2014stores will actually take a loss on some items to draw you into the store. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Those items will be 30-60 percent discounted. If you can plan your meals around what\u2019s discounted, you\u2019ve just cut your food bill. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Okay, let me ask you: \u201cHow do you handle the grocery store? What would it look like if I was going grocery shopping with you, Crystal?\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Well, I wouldn\u2019t take you with me because you\u2019re a 4\u2014is that right? [Laughter] \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> In other words, he\u2019s not frugal. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Not frugal enough, I understand. Okay. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> But he\u2019s the guy who is writing the book, <em>Fifty Shades of Frugal<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> That\u2019s right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Okay. Well, I do what the Economides do\u2014the same thing of planning my list, based upon what\u2019s on sale at the store. But they don\u2019t like to use coupons, but I think you can use coupons and you can do it really efficiently. What I encourage moms to do\u2014if you are really busy and you don\u2019t have a lot of time\u2014find a blog who is covering the deals at your local store. There are thousands of blogs, online, who are covering, in very specific detail, all the deals at your local store. So, before you go shopping, go to that blog. Scroll down, look at the list of everything that is on sale, and print a few coupons for things you are already planning to buy or things you will use that you might be getting for free or 25 cents. That\u2019s another really simple way to save. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThe other thing you can do is\u2014you can take your planned list of things you are planning to buy and you can enter those items into a coupon database. On MoneySavingMom.com, we have a coupon database that you can enter the name of any brand or product. We\u2019ll generate a list of all coupons that are available. So, you can take five minutes, go through your grocery list, print a few extra coupons, clip them to your grocery list, and save yourself some extra money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob:<\/strong> I\u2019m just wondering if\u2014like dinner time at your house\u2014we\u2019ve talked about rice and beans\u2014that\u2019s how you got through college. I mean, would I even like the meals that you serve? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Bob?! [Laughter] \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> You know what I\u2019m saying\u2014I mean, at $17 a week\u2014right? Isn\u2019t that what you said you were\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> No. Crystal, go first. Then, we\u2019ll jump in because I know what you\u2019re going to say. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> We spend about $50 dollars a week on groceries, now. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> For you, and your husband, and three kids? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Yes. We average that. We take that out in cash, at the beginning of the month. We put $200 in an envelope. That\u2019s what I have to spend on groceries. We also go out to eat once a month\u2014I mean, once a week. So, you could come on those nights. [Laughter] \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> If I order off the dollar menu, I can come on those nights. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> That\u2019s right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> That\u2019s a good comeback\u2014good comeback. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob:<\/strong> But are you eating dinners that have meat in them? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Yes. We eat meat now, but it\u2019s planned. We plan our menus based upon what\u2019s on sale at the store. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI also practice what I call \u201cThe Buy Ahead Principle\u201d, which is\u2014so, if something is at its rock bottom price\u2014when you talked about 30-60 percent off\u2014if I can pair a coupon with it, too, I can get it for almost free or 75 percent off what I would usually pay. I\u2019m going to buy extra, and stick it in my freezer, and put it in my pantry. So, then, I\u2019m planning my meals, based on what\u2019s on sale at the store and what I already have on-hand, that I\u2019ve bought at a great price. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> But at our house, we\u2019ll eat things like meatloaf stew, beef stroganoff, tacos, homemade spaghetti sauce with homemade meatballs\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Marinated steak on the grill. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Marinated steak on the grill. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> We found a deal on top round\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> You know, I\u2019ll make things like\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> We found a deal on top round one time that was marked down to a dollar a pound for a 14-pound chunk. We cut it into steaks. We bought about 60 pounds of it. We stock up in advance. We\u2019ve got steaks for\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes, we\u2019ll have chicken pot pie, chicken cashew\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Okay, I can eat these things. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes, you would definitely enjoy dinner at our house; definitely. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob:<\/strong> Alright. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> So, when are you coming over? [Laughter] \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Okay, so, I think we\u2019ve got the grocery store covered. If you\u2019re looking for the next big area to save in your budget, Annette, where would you point people? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> I would say the next biggest area that is really affecting families today would be debt. I know we touched on this, but debt is just\u2014it is literally choking, alive, America today. People think: \u201cBuy it now; pay for it later. I live better.\u201d You don\u2019t live better! You actually live worse because \u201cBuy it now; pay it later\u201d\u2014how many of those pay it laters are going to hit you\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> \u2014next month? I really think people need to be more intentional, more\u2014they need to learn how to pick their priorities. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Scripture says, \u201cThe borrower becomes the lenders slave.\u201d There\u2019s not one positive reference to borrowing money in Scripture. Our mindset is, \u201cIf you have debt, get rid of it as fast as possible\u201d. We paid off our first home in nine years. It meant some sacrifice, but we are free. We are free to do whatever the Lord calls us to do. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Annette:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Steve:<\/strong> So, here\u2019s what we recommend for people to do. Line up all your debts\u2014smallest to largest. A lot of people we coached\u2014they owe money to family members, they owe money to apartment complexes that they never paid. Those things\u2014they may not be pursuing you, but they\u2019re on your mind. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tReally, Scripture says, \u201cThe wicked borrows and doesn\u2019t pay back.\u201d We don\u2019t want to be classified with the wicked! We want to do things God\u2019s way. Line it up. Pay everybody something. Generate excess by selling things off on eBay, Craig\u2019s List, having a garage sale. Gather as much excess as you can. Put it down on the first debt, and pay everybody something. You\u2019ll accelerate that plan. Most people can be out of debt in 18 months. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> It is back to a word we mentioned earlier, sacrifice. If you are in debt, and it\u2019s got the best of you, and you know that you\u2019re swimming upstream, draw a line in the sand and say, \u201cIn the next 18 \/ 36 months,\u201d\u2014whatever it takes you\u2014\u201cget out of debt.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI have a friend, who I was mentoring, who actually set down over a lunch with me one day. He said: \u201cI\u2019ve got a problem that I\u2019ve got to tell you about. It\u2019s credit card debt.\u201d I said, \u201cHow bad is it?\u201d I think, at the time, it was $35,000. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> And he had a new truck\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> He looked great; didn\u2019t he? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> \u2014had a house that was brand-new. I said, \u201cFirst of all, I want you to cut up your credit cards or melt them on a cookie sheet in the oven\u201d\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Three hundred fifty. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> \u2014\u201cand eliminate anymore charging; and then, get after paying it down.\u201d Today, he is free. If you start mentioning about somebody not living life to the fullest\u2014if you owe someone\u2014you are thinking about that all the time. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> You know, Dennis, I don\u2019t even think of it that much as a sacrifice\u2014maybe, the earlier days of our marriage were sacrifice\u2014but today, I think 30-50 percent of America has storage units that they are paying for on a monthly basis. What\u2019s in them?! \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> I mean, if America just went through their <em>closets<\/em> and started selling stuff\u2014I mean, we could easily pay off the first two debts on the list! That\u2019s not really sacrifice! That\u2019s really just saying, \u201cAm I going to play less video games this week, or am I going to start <em>doing<\/em> something to get myself to a better place?\u201d It\u2019s priorities with your time and your money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Here\u2019s what we\u2019ve seen when we\u2019ve coached people out of debt. At first, it was sacrifice. It was hard because it was changing a mindset. Once they got on a role and they started crossing those things off the list, there was this incredible enthusiasm. We had to hold them back because they started saying, \u201cAll the excess we have, we want to put on debt;\u201d and they would be sacrificing the savings. But it works. <br><br>And another thing people can do\u2014and this is a tip that we\u2019ve seen work\u2014is you contact your creditors and you talk to them. You get one person on the phone, write their name down, speak with them consistently, and pay on time. If you accumulate enough cash, call the creditor and ask if they will take a cash pay-off. You know, we are under their authority because we\u2019ve become their servant;\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014but if the master says: \u201cYou are free. You owe me $5,000, write it for $3,000.\u201d That\u2019s their choice. You aren\u2019t defaulting. They can choose to do that, and we\u2019ve seen that happen, numerous times, as people have paid regularly. God has graciously delivered them. The other thing we\u2019ve seen that happens every time someone decides to do things God\u2019s way is that God blesses and dumps large sums of money when you have proven to be faithful. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> From completely out of nowhere. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> You guys said you paid off your house in nine years. Did you do that just by adding to your monthly payment? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> We started paying a dollar a month; and then, God increased our income. We paid $20 and, then, $500 and just\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> And we actually had a little party when it was done because it was just so much fun! [Laughter] \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Crystal, you guys\u2014did you save the money before you bought the house? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Yes, we did. It was because we had done the math. We realized that, if we were to go ahead and put a down payment and then work as hard as we could to pay it off, we would actually\u2014it would take us longer. We felt like we wouldn\u2019t be as highly motivated as we were, living in a small rental\u2014we knew that we could do it in a shorter time frame. So, we went ahead and did\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> How long did it take you to save money to pay cash for a house? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> It only took us two and a half years. We were planning for it to take five, but our income increased. As we were\u2014you know, God was pouring out His blessing\u2014and as you know\u2014living simply, and living frugally, and all those years of the sacrifice\u2014it just\u2014you know, laying that foundation so that we were able to do it in two and a half years. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> But you, undoubtedly, had a house in mind that you could afford. You didn\u2019t set your eyes on something that, perhaps, you would, maybe, be living in today. You started with something you could afford; right? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Right. We were planning to\u2014actually\u2014our goal was we were going to save for five years. Whatever, at that point, we could buy\u2014because we had figured out we could set aside this\u2014every year, we could set aside enough that we could buy this little fixer-upper; but then, God increased our income. We were able to buy\u2014we didn\u2019t end up having to go with a fixer-upper\u2014but we also live in Kansas, where home prices are a lot less. So, you can get a\u2014you don\u2019t have to go pay $2 million for a house! \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> You know, I just\u2014I\u2019ve got to say something! You know, something Crystal said was so important. You may use the word sacrifice, but I just don\u2019t think it\u2019s that intense. She said: \u201cWe waited. We stayed where we were, even though it was a little bit uncomfortable, until we had the money saved.\u201d If people\u2014the biggest problem we see is people keep jumping to the next step; you know? They are not willing to wait where they are for a little while. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe were tripping over each other in our first house. It was awful! We finally had to clear stuff out because we had five kids\u2014it was a small house\u2014until we had what we had wanted to have saved as a down payment for the next house. I think one of the biggest mistakes people make, in America, is they just jump too fast! \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Steve:<\/strong> Impatience. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u201cAll discipline, for the moment, seems not to be joyful but sorrowful; but afterwards, it yields the peaceful fruit of righteousness.\u201d That\u2019s what we are talking about\u2014is peace, financially, as you wait for God to provide rather than running to the bank or running to get it before it is time. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Dennis:<\/strong> We are also talking about a word that is not that well-known in America. It\u2019s called contentment. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Dennis:<\/strong> All the advertising and all the bombardment tells me, \u201cWhat I have is not enough, and what they have is what I need.\u201d And Paul said in Philippians, Chapter 4, \u201cI have learned, in whatever circumstance I\u2019m in, to be content.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> I think there is something within my human nature that mitigates against that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI was thinking, Crystal, of you and your husband, Jesse, when you bought your house. It would have been really easy to say \u201cYou know, we\u2019ve saved $100,000. We could borrow just $50, and we could get a so-much nicer\u201d\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> A really nice house. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Dennis:<\/strong> Yes. It\u2019s a creep. It\u2019s a consumer-creep that occurs. You start comparing what you have with what you\u2019d like to have, and we begin to justify it. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Contentment, for me\u2014I really feel like that is the key issue to financial success, especially as a Christian. If we can just learn to be content with what God has given us\u2014I mean, because, really, when we are discontent, we are saying that God is not good enough. You know, we need to accept what God has given us with a joyful, thankful heart. When you have that gratitude for what God has given you, it changes your whole outlook. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Let me tell you a discontented story and just see if you\u2019ve ever felt like this; okay? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWhen we were living in San Antonio, Texas, we had lived in a rental house for the first year that we were there. We, finally, found the house that we wanted to move into. Lovely home\u2014had a bigger back yard than the other houses did. We were excited about that. It had a master bedroom, and it had three bedrooms on the other side of the house. I mean, it was just a nice layout. It was going to be perfect for our family. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br>And we moved in. We were excited. It was the nicest house we\u2019d lived in; and we\u2019d been married for 15 years, at that point. Well, one night, we got invited to dinner, at a friend\u2019s house. Now, we didn\u2019t know these people very well; but we knew the division\u2014the subdivision they lived in\u2014because it was\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Posh. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> \u2014it had\u2014it was a named subdivision. It had a guard gate, out at the front. Behind that guard gate, George Strait\u2019s house was back there; and David Robinson\u2019s house was back there; okay? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> So, it was upscale? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> It was a nice part of town. We went and had dinner at their house. I remember driving home from their house, that night, back to that dumpy little house that we had just moved into. [Laughter] It was funny how, when we\u2019d left that afternoon, we were really excited about our new house. When we drove back\u2014ours was kind of plain and boring. Have you ever found yourselves in that comparison trap, where you go, \u201cGee, I would like, just once, to have something really nice\u201d? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> I know\u2014especially, during law school\u2014when we\u2019d see all these other students, who were in law school, who we knew were in debt\u2014and they were going out and buying these new vehicles, and going and doing things together. We couldn\u2019t afford to go out with them because we didn\u2019t have any money. It was hard to look at them and say\u2014you know, you just felt like we were missing out. But at the same time, we knew that it would be worth it. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tOn the flip side, you know\u2014if you go to a third world country, or even just an inner city, and you see how some of these people are living\u2014all of a sudden, you realize that we have so, so, so much. You start\u2014you just realize that: \u201cWe have so much to be thankful for. We should never feel like we need anything more.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> You know, we live in Scottsdale, Arizona. Paradise Valley is pretty close by. There are exactly the kinds of houses you are talking about, Bob. When Steve and I get invited to parties and events at those houses, we sit there and go: \u201cWhat do you think the utility bills are? And how much do they pay the cleaning crew to clean this?\u201d\u2014and, of course, they are not going to do their own landscaping, if they live in a house like this\u2014so, \u201cWhat do you think they pay the landscapers?\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> So, when you start thinking about the cost of\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Homeowner\u2019s dues. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> \u2014living in a house like that, you\u2019re like\u2014\u201cAnd what do they pay for taxes?\u201d We\u2019re like, \u201cNo, thank you!\u201d\u2014 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> \u2014\u201cWe want no part of this.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> I\u2019m just thinking of Paul, who instructed Timothy\u2014the last chapter of his first book he wrote Timothy\u2014he said, \u201cNow, there is great gain in godliness with contentment for we brought nothing into the world, and we cannot take anything out of the world.\u201d Now, listen to this. This is an absurd statement, if it was anywhere other than Scripture, given this culture we live in. \u201cBut if we have food and clothing, with these, we will be content.\u201d Now, think about that for a moment. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe don\u2019t know much contentment in this culture. It\u2019s about the latest gadget or whatever, but we\u2019re always looking to the next thing that\u2019s going to provide happiness or an experience for us. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Some of the later manuscripts include food, clothing, and an iPhone<sup>\u00ae<\/sup>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Technology. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> That\u2019s in some of the later manuscripts. [Laughter] \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Technology. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> I want to keep on reading. At the end of the chapter, Paul says, \u201cAs for the rich in this present age\u201d\u2014which, by the way, are not the people who make six figures. Most Americans are rich compared to the world\u2014\u201cAs for the rich in this present age, charge them not to be haughty nor to set their hopes on the uncertainty of riches but on God who richly provides us with everything to enjoy. They are to do good, to be rich in good works, to be generous and ready to share, thus, storing up treasure for themselves as a good foundation for the future so that they may take hold of that which is truly life.\u201d Let me read that again, \u201c\u2026so that they may take hold of that which is truly life.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThe Scriptures are like a GPS. It\u2019s pointing us in the direction. When we deny the truth of this Book, we set ourselves off into all kinds of perilous journeys. I\u2019m afraid, today, most couples\u2014most families\u2014don\u2019t have a copy of <em>The MoneySmart Family System<\/em> nor <em>The Money Saving Mom\u2019s Budget<\/em>, and they are in desperate need of them, and they need to get them. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tCrystal, Steve, Annette, thanks for being on the broadcast. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Thanks for having us. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> It\u2019s been wonderful.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Crystal:<\/strong> Thank you. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob:<\/strong> You can go to our website, FamilyLifeToday.com, to find out more about the books that Steve and Annette have written or the book that Crystal has written. Again, the website is FamilyLifeToday.com; or you can call 1-800-FL-TODAY for more information\u20141-800-358-6329. Call to order either or both of these books\u2014the book that Crystal has written for mom\u2019s putting a budget together or the book that the Economides have written to help families get a system together for teaching your kids how to be responsible with their money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNow, we are very grateful for those of you who are able to help support the ministry of <em>FamilyLife Today<\/em>. I know there are families where money is tight, and all you are able to do is support your local church. We hope that\u2019s your first priority, and we hope that you make that a priority in your family. But those of you, who are able to help <em>FamilyLife Today<\/em> with our financial needs\u2014help us cover the costs of producing and syndicating this daily radio program\u2014we appreciate your partnership. We are grateful for you. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd this week, if you can help with a donation, we\u2019d like to say, \u201cThank you,\u201d by sending you an interview we did with Kay Wyma. Kay is a mom, who lives in Dallas, and who got frustrated with her kids having expectations about their quality of life; and they weren\u2019t pitching in. She decided it was time to change that. We\u2019ll hear about her yearlong strategy for getting all the kids involved in helping to manage the household and how it paid off for her. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThat CD is our thank-you gift to you if you\u2019re able to support <em>FamilyLife Today<\/em> with a donation this week. Simply, go to FamilyLifeToday.com and click the button that says, \u201cI CARE\u201d. We\u2019ll send you a copy of the CD. Or call 1-800-FL-TODAY. When you make your donation over the phone, just ask for the CD called <em>Cleaning House<\/em>. We\u2019ll get it out to you. We do appreciate your standing with us and your support of this ministry. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd we hope you\u2019ll be back with us tomorrow when Jill Rigby is going to be here to talk about selfishness and how we can help our kids be cured. I guess\u2014probably, not cured. I don\u2019t know if we\u2019re ever cured of our selfishness, but how you can help your kids learn to be unselfish in a world that is pushing them in the other direction. That\u2019s tomorrow. Hope you can be here for that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI want to thank our engineer today, Keith Lynch, and our entire broadcast production team. On behalf of our host, Dennis Rainey, I\u2019m Bob Lepine. We will see you back next time for another edition of <em>FamilyLife Today<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<em>FamilyLife Today<\/em> is a production of FamilyLife of Little Rock, Arkansas. Help for today. Hope for tomorrow.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe are so happy to provide these transcripts to you. However, there is a cost to produce them for our website. If you\u2019ve benefited from the broadcast transcripts, would you consider <a href=\"http:\/\/wp-stage.familylife.com\/www\/donate\">donating today<\/a> to help defray the costs?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tCopyright <sup>\u00a9<\/sup> 2013 FamilyLife. All rights reserved.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<a href=\"http:\/\/wp-stage.familylife.com\/www\/\">www.FamilyLife.com<\/a>\u00a0 \n\t\t\t<\/p>\n\t\t\t\n\t\t\t\t<p>\n\t\t\t\t\t1\n\t\t\t\t<\/p>"],"_seopress_titles_title":[""],"_seopress_titles_desc":[""],"_seopress_robots_index":[""],"duration":["00:"],"show_notes":[""],"_thumbnail_id":["294104"],"filesize":["21.44M"],"filesize_raw":["22481170"],"_uag_css_file_name":["uag-css-302789.css"],"_uag_js_file_name":["uag-js-302789.js"],"_uag_page_assets":["a:9:{s:3:\"css\";s:82560:\".wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape.uagb-container__shape-bottom 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extraordinaire Crystal, Steve and Annette share their most frugal tips for saving on groceries and paying off debt, including mortgages.","meta_box":{"show_notes":"","transcript_url":"https:\/\/transcript.familylifetoday.com\/fl2013-07-31.pdf","transcript_content":"<p>\n\t\t\t\t<strong>Bob:<\/strong> Crystal Paine believes that what really matters, when it comes to your family\u2019s finances, has more to do with your contentment than it does with your bank statement. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Contentment, for me\u2014I really feel like that is the key issue to financial success, especially as a Christian. If we can just learn to be content with what God has given us\u2014I mean, because, really, when we are discontent, we are saying that God is not good enough. You know, we need to accept what God has given us with a joyful, thankful heart. When you have that gratitude for what God has given you, it changes your whole outlook. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> This is <em>FamilyLife Today<\/em> for Wednesday, July 31<sup>st<\/sup>. Our host is the President of FamilyLife<sup>\u00ae<\/sup>, Dennis Rainey, and I\u2019m Bob Lepine. We have some very practical suggestions for you today on how you can get your financial house in order, as a family. Stay with us. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd welcome to <em>FamilyLife Today<\/em>. Thanks for joining us. <br>\u00a0\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> I\u2019m grabbing my billfold right now. I can tell you, for sure. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> You hanging on tight? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> I\u2019m hanging on tight. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Are you afraid somebody is going to pry it out of your hands or what? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Well, I just heard about the new book you are writing. [Laughter] You want to share it with our listening audience? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Well, because of the guests we have with us this week\u2014we\u2019re talking with Crystal Paine, who wrote a book called <em>The Money Saving Mom\u2019s Budget<\/em> and has the Money Saving Mom<sup>\u00ae<\/sup> blog; right? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob:<\/strong> And we\u2019re also talking to Steve and Annette Economides, who have written <em>The MoneySmart Family<\/em><sup>\u2122<\/sup><em> System<\/em>; and that\u2019s your third book. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> What are your other two books? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> The first book is called <em>America\u2019s Cheapest Family Gets You Right on the Money<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> And the second book is <em>Cut Your Grocery Bill in Half<\/em>, and then, the third book is <em>The MoneySmart Family System<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Okay, so, since we\u2019re talking about all of this, I thought, \u201cI need to write a book on this.\u201d And I\u2019ve come up with my title\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> And the name of that book would be? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> <em>Fifty Shades of Frugal<\/em>. [Laughter] That\u2019s what\u2014I just think that would sell well; don\u2019t you think? Look for it on your newsstands soon. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Okay, Steve, let\u2019s talk about saving on groceries. I mean, these are serious economic days. A lot of families are challenged to be able to make ends meet. Give a couple your best advice concerning saving at the grocery store. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> First off, saving at the grocery store is the fastest way for a family to turn their finances around\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014because, in one month\u2019s time, just making a few changes, you could cut 40-50 percent off your grocery bill without clipping a single coupon. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> So, if you are going to zero in one area of the family, you\u2019d start at the grocery store. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Annette:<\/strong> Absolutely, you can\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Well, yes and no. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> \u2014save at least $4,000 a year\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> \u2014just starting with groceries. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> But you have to have a way to capture that savings. That\u2019s why you need a budget; because if you save the money but blow it\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Got it.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014you\u2019re no money ahead. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> So, you start with a budget\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> \u2014but where do you start trimming is at the grocery store? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Right. We\u2019ve got thousands of ideas; okay? But let me just say, when we go grocery shopping, we do it as a team. We take walkie-talkies. I do the inside aisles of the store\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014and Steve does the outer loop. So, he does the produce, the dairy, the meat, and\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> And you\u2019re doing the canned goods and the frozen foods. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Annette:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Okay. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Right, works through that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> But key\u2014number one, you\u2019ve got to have a plan because the grocer has a plan already. The grocer\u2019s plan is for you to pick up 60 percent of the items <em>he<\/em> wants you to buy\u201460 percent impulse buys. That means\u2014if you go to the store for 10, you\u2019re going pick up 16. So, you need have a plan before you go into the store; but it\u2019s like anything in life: The more you plan, the more efficient you\u2019re going to be, and the more you save. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> So, start with a list. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Help me spot the impulse buys. Where are they? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Steve:<\/strong> They\u2019re\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Oh, they\u2019re everywhere! It\u2019s whatever you\u2019re feeling at the moment. It\u2019s whatever you are feeling at the moment. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> It starts when you walk in the door and you smell the rotisserie chicken. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Or the French bread that just baked, and it\u2019s not on your list. So, you need to have a list. We have a downloadable list on our website, AmericasCheapestFamily.com, where people can adjust it to whatever they want it to be. That\u2019s the first thing\u2014is to have a list. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThe second thing is to make a plan. We tell people, \u201cIf you\u2019re just starting out, start with dinner because that\u2019s probably the most difficult meal of the day.\u201d That\u2019s when people are tempted to just throw in the towel and say, \u201cLet\u2019s just go get fast food or go to a restaurant.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Especially, if mom\u2019s out working. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> You come home\u2014and the tendency to say, \u201cLet\u2019s just do fast food.\u201d Fast food is going to cost $20 or $30, and you do that five times a week. You\u2019re talking thousands of dollars a year. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> So, plan your menu and use your food ads. Every week, around the country, there is a newspaper with food ads. Those are like your map, your lottery ticket\u2014whatever you want to call them\u2014those are your key to saving because there is something called \u201closs leaders\u201d that are going to be in those food ads\u2014Crystal, you just jump in whenever you want to\u2014stores will actually take a loss on some items to draw you into the store. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Those items will be 30-60 percent discounted. If you can plan your meals around what\u2019s discounted, you\u2019ve just cut your food bill. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Okay, let me ask you: \u201cHow do you handle the grocery store? What would it look like if I was going grocery shopping with you, Crystal?\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Well, I wouldn\u2019t take you with me because you\u2019re a 4\u2014is that right? [Laughter] \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> In other words, he\u2019s not frugal. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Not frugal enough, I understand. Okay. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> But he\u2019s the guy who is writing the book, <em>Fifty Shades of Frugal<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> That\u2019s right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Okay. Well, I do what the Economides do\u2014the same thing of planning my list, based upon what\u2019s on sale at the store. But they don\u2019t like to use coupons, but I think you can use coupons and you can do it really efficiently. What I encourage moms to do\u2014if you are really busy and you don\u2019t have a lot of time\u2014find a blog who is covering the deals at your local store. There are thousands of blogs, online, who are covering, in very specific detail, all the deals at your local store. So, before you go shopping, go to that blog. Scroll down, look at the list of everything that is on sale, and print a few coupons for things you are already planning to buy or things you will use that you might be getting for free or 25 cents. That\u2019s another really simple way to save. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThe other thing you can do is\u2014you can take your planned list of things you are planning to buy and you can enter those items into a coupon database. On MoneySavingMom.com, we have a coupon database that you can enter the name of any brand or product. We\u2019ll generate a list of all coupons that are available. So, you can take five minutes, go through your grocery list, print a few extra coupons, clip them to your grocery list, and save yourself some extra money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob:<\/strong> I\u2019m just wondering if\u2014like dinner time at your house\u2014we\u2019ve talked about rice and beans\u2014that\u2019s how you got through college. I mean, would I even like the meals that you serve? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Bob?! [Laughter] \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> You know what I\u2019m saying\u2014I mean, at $17 a week\u2014right? Isn\u2019t that what you said you were\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> No. Crystal, go first. Then, we\u2019ll jump in because I know what you\u2019re going to say. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> We spend about $50 dollars a week on groceries, now. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> For you, and your husband, and three kids? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Yes. We average that. We take that out in cash, at the beginning of the month. We put $200 in an envelope. That\u2019s what I have to spend on groceries. We also go out to eat once a month\u2014I mean, once a week. So, you could come on those nights. [Laughter] \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> If I order off the dollar menu, I can come on those nights. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> That\u2019s right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> That\u2019s a good comeback\u2014good comeback. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob:<\/strong> But are you eating dinners that have meat in them? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Yes. We eat meat now, but it\u2019s planned. We plan our menus based upon what\u2019s on sale at the store. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI also practice what I call \u201cThe Buy Ahead Principle\u201d, which is\u2014so, if something is at its rock bottom price\u2014when you talked about 30-60 percent off\u2014if I can pair a coupon with it, too, I can get it for almost free or 75 percent off what I would usually pay. I\u2019m going to buy extra, and stick it in my freezer, and put it in my pantry. So, then, I\u2019m planning my meals, based on what\u2019s on sale at the store and what I already have on-hand, that I\u2019ve bought at a great price. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> But at our house, we\u2019ll eat things like meatloaf stew, beef stroganoff, tacos, homemade spaghetti sauce with homemade meatballs\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Marinated steak on the grill. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Marinated steak on the grill. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> We found a deal on top round\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> You know, I\u2019ll make things like\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> We found a deal on top round one time that was marked down to a dollar a pound for a 14-pound chunk. We cut it into steaks. We bought about 60 pounds of it. We stock up in advance. We\u2019ve got steaks for\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes, we\u2019ll have chicken pot pie, chicken cashew\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Okay, I can eat these things. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes, you would definitely enjoy dinner at our house; definitely. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob:<\/strong> Alright. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> So, when are you coming over? [Laughter] \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Okay, so, I think we\u2019ve got the grocery store covered. If you\u2019re looking for the next big area to save in your budget, Annette, where would you point people? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> I would say the next biggest area that is really affecting families today would be debt. I know we touched on this, but debt is just\u2014it is literally choking, alive, America today. People think: \u201cBuy it now; pay for it later. I live better.\u201d You don\u2019t live better! You actually live worse because \u201cBuy it now; pay it later\u201d\u2014how many of those pay it laters are going to hit you\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> \u2014next month? I really think people need to be more intentional, more\u2014they need to learn how to pick their priorities. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Scripture says, \u201cThe borrower becomes the lenders slave.\u201d There\u2019s not one positive reference to borrowing money in Scripture. Our mindset is, \u201cIf you have debt, get rid of it as fast as possible\u201d. We paid off our first home in nine years. It meant some sacrifice, but we are free. We are free to do whatever the Lord calls us to do. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Annette:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Steve:<\/strong> So, here\u2019s what we recommend for people to do. Line up all your debts\u2014smallest to largest. A lot of people we coached\u2014they owe money to family members, they owe money to apartment complexes that they never paid. Those things\u2014they may not be pursuing you, but they\u2019re on your mind. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tReally, Scripture says, \u201cThe wicked borrows and doesn\u2019t pay back.\u201d We don\u2019t want to be classified with the wicked! We want to do things God\u2019s way. Line it up. Pay everybody something. Generate excess by selling things off on eBay, Craig\u2019s List, having a garage sale. Gather as much excess as you can. Put it down on the first debt, and pay everybody something. You\u2019ll accelerate that plan. Most people can be out of debt in 18 months. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> It is back to a word we mentioned earlier, sacrifice. If you are in debt, and it\u2019s got the best of you, and you know that you\u2019re swimming upstream, draw a line in the sand and say, \u201cIn the next 18 \/ 36 months,\u201d\u2014whatever it takes you\u2014\u201cget out of debt.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI have a friend, who I was mentoring, who actually set down over a lunch with me one day. He said: \u201cI\u2019ve got a problem that I\u2019ve got to tell you about. It\u2019s credit card debt.\u201d I said, \u201cHow bad is it?\u201d I think, at the time, it was $35,000. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> And he had a new truck\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> He looked great; didn\u2019t he? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> \u2014had a house that was brand-new. I said, \u201cFirst of all, I want you to cut up your credit cards or melt them on a cookie sheet in the oven\u201d\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Three hundred fifty. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> \u2014\u201cand eliminate anymore charging; and then, get after paying it down.\u201d Today, he is free. If you start mentioning about somebody not living life to the fullest\u2014if you owe someone\u2014you are thinking about that all the time. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> You know, Dennis, I don\u2019t even think of it that much as a sacrifice\u2014maybe, the earlier days of our marriage were sacrifice\u2014but today, I think 30-50 percent of America has storage units that they are paying for on a monthly basis. What\u2019s in them?! \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> I mean, if America just went through their <em>closets<\/em> and started selling stuff\u2014I mean, we could easily pay off the first two debts on the list! That\u2019s not really sacrifice! That\u2019s really just saying, \u201cAm I going to play less video games this week, or am I going to start <em>doing<\/em> something to get myself to a better place?\u201d It\u2019s priorities with your time and your money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Here\u2019s what we\u2019ve seen when we\u2019ve coached people out of debt. At first, it was sacrifice. It was hard because it was changing a mindset. Once they got on a role and they started crossing those things off the list, there was this incredible enthusiasm. We had to hold them back because they started saying, \u201cAll the excess we have, we want to put on debt;\u201d and they would be sacrificing the savings. But it works. <br><br>And another thing people can do\u2014and this is a tip that we\u2019ve seen work\u2014is you contact your creditors and you talk to them. You get one person on the phone, write their name down, speak with them consistently, and pay on time. If you accumulate enough cash, call the creditor and ask if they will take a cash pay-off. You know, we are under their authority because we\u2019ve become their servant;\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014but if the master says: \u201cYou are free. You owe me $5,000, write it for $3,000.\u201d That\u2019s their choice. You aren\u2019t defaulting. They can choose to do that, and we\u2019ve seen that happen, numerous times, as people have paid regularly. God has graciously delivered them. The other thing we\u2019ve seen that happens every time someone decides to do things God\u2019s way is that God blesses and dumps large sums of money when you have proven to be faithful. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> From completely out of nowhere. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> You guys said you paid off your house in nine years. Did you do that just by adding to your monthly payment? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> We started paying a dollar a month; and then, God increased our income. We paid $20 and, then, $500 and just\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> And we actually had a little party when it was done because it was just so much fun! [Laughter] \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Crystal, you guys\u2014did you save the money before you bought the house? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Yes, we did. It was because we had done the math. We realized that, if we were to go ahead and put a down payment and then work as hard as we could to pay it off, we would actually\u2014it would take us longer. We felt like we wouldn\u2019t be as highly motivated as we were, living in a small rental\u2014we knew that we could do it in a shorter time frame. So, we went ahead and did\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> How long did it take you to save money to pay cash for a house? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> It only took us two and a half years. We were planning for it to take five, but our income increased. As we were\u2014you know, God was pouring out His blessing\u2014and as you know\u2014living simply, and living frugally, and all those years of the sacrifice\u2014it just\u2014you know, laying that foundation so that we were able to do it in two and a half years. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> But you, undoubtedly, had a house in mind that you could afford. You didn\u2019t set your eyes on something that, perhaps, you would, maybe, be living in today. You started with something you could afford; right? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Right. We were planning to\u2014actually\u2014our goal was we were going to save for five years. Whatever, at that point, we could buy\u2014because we had figured out we could set aside this\u2014every year, we could set aside enough that we could buy this little fixer-upper; but then, God increased our income. We were able to buy\u2014we didn\u2019t end up having to go with a fixer-upper\u2014but we also live in Kansas, where home prices are a lot less. So, you can get a\u2014you don\u2019t have to go pay $2 million for a house! \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> You know, I just\u2014I\u2019ve got to say something! You know, something Crystal said was so important. You may use the word sacrifice, but I just don\u2019t think it\u2019s that intense. She said: \u201cWe waited. We stayed where we were, even though it was a little bit uncomfortable, until we had the money saved.\u201d If people\u2014the biggest problem we see is people keep jumping to the next step; you know? They are not willing to wait where they are for a little while. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe were tripping over each other in our first house. It was awful! We finally had to clear stuff out because we had five kids\u2014it was a small house\u2014until we had what we had wanted to have saved as a down payment for the next house. I think one of the biggest mistakes people make, in America, is they just jump too fast! \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Steve:<\/strong> Impatience. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u201cAll discipline, for the moment, seems not to be joyful but sorrowful; but afterwards, it yields the peaceful fruit of righteousness.\u201d That\u2019s what we are talking about\u2014is peace, financially, as you wait for God to provide rather than running to the bank or running to get it before it is time. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Dennis:<\/strong> We are also talking about a word that is not that well-known in America. It\u2019s called contentment. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Dennis:<\/strong> All the advertising and all the bombardment tells me, \u201cWhat I have is not enough, and what they have is what I need.\u201d And Paul said in Philippians, Chapter 4, \u201cI have learned, in whatever circumstance I\u2019m in, to be content.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> I think there is something within my human nature that mitigates against that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI was thinking, Crystal, of you and your husband, Jesse, when you bought your house. It would have been really easy to say \u201cYou know, we\u2019ve saved $100,000. We could borrow just $50, and we could get a so-much nicer\u201d\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> A really nice house. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Dennis:<\/strong> Yes. It\u2019s a creep. It\u2019s a consumer-creep that occurs. You start comparing what you have with what you\u2019d like to have, and we begin to justify it. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> Contentment, for me\u2014I really feel like that is the key issue to financial success, especially as a Christian. If we can just learn to be content with what God has given us\u2014I mean, because, really, when we are discontent, we are saying that God is not good enough. You know, we need to accept what God has given us with a joyful, thankful heart. When you have that gratitude for what God has given you, it changes your whole outlook. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Let me tell you a discontented story and just see if you\u2019ve ever felt like this; okay? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWhen we were living in San Antonio, Texas, we had lived in a rental house for the first year that we were there. We, finally, found the house that we wanted to move into. Lovely home\u2014had a bigger back yard than the other houses did. We were excited about that. It had a master bedroom, and it had three bedrooms on the other side of the house. I mean, it was just a nice layout. It was going to be perfect for our family. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br>And we moved in. We were excited. It was the nicest house we\u2019d lived in; and we\u2019d been married for 15 years, at that point. Well, one night, we got invited to dinner, at a friend\u2019s house. Now, we didn\u2019t know these people very well; but we knew the division\u2014the subdivision they lived in\u2014because it was\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Posh. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> \u2014it had\u2014it was a named subdivision. It had a guard gate, out at the front. Behind that guard gate, George Strait\u2019s house was back there; and David Robinson\u2019s house was back there; okay? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> So, it was upscale? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> It was a nice part of town. We went and had dinner at their house. I remember driving home from their house, that night, back to that dumpy little house that we had just moved into. [Laughter] It was funny how, when we\u2019d left that afternoon, we were really excited about our new house. When we drove back\u2014ours was kind of plain and boring. Have you ever found yourselves in that comparison trap, where you go, \u201cGee, I would like, just once, to have something really nice\u201d? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> I know\u2014especially, during law school\u2014when we\u2019d see all these other students, who were in law school, who we knew were in debt\u2014and they were going out and buying these new vehicles, and going and doing things together. We couldn\u2019t afford to go out with them because we didn\u2019t have any money. It was hard to look at them and say\u2014you know, you just felt like we were missing out. But at the same time, we knew that it would be worth it. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tOn the flip side, you know\u2014if you go to a third world country, or even just an inner city, and you see how some of these people are living\u2014all of a sudden, you realize that we have so, so, so much. You start\u2014you just realize that: \u201cWe have so much to be thankful for. We should never feel like we need anything more.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> You know, we live in Scottsdale, Arizona. Paradise Valley is pretty close by. There are exactly the kinds of houses you are talking about, Bob. When Steve and I get invited to parties and events at those houses, we sit there and go: \u201cWhat do you think the utility bills are? And how much do they pay the cleaning crew to clean this?\u201d\u2014and, of course, they are not going to do their own landscaping, if they live in a house like this\u2014so, \u201cWhat do you think they pay the landscapers?\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> So, when you start thinking about the cost of\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Homeowner\u2019s dues. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> \u2014living in a house like that, you\u2019re like\u2014\u201cAnd what do they pay for taxes?\u201d We\u2019re like, \u201cNo, thank you!\u201d\u2014 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> \u2014\u201cWe want no part of this.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> I\u2019m just thinking of Paul, who instructed Timothy\u2014the last chapter of his first book he wrote Timothy\u2014he said, \u201cNow, there is great gain in godliness with contentment for we brought nothing into the world, and we cannot take anything out of the world.\u201d Now, listen to this. This is an absurd statement, if it was anywhere other than Scripture, given this culture we live in. \u201cBut if we have food and clothing, with these, we will be content.\u201d Now, think about that for a moment. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe don\u2019t know much contentment in this culture. It\u2019s about the latest gadget or whatever, but we\u2019re always looking to the next thing that\u2019s going to provide happiness or an experience for us. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Some of the later manuscripts include food, clothing, and an iPhone<sup>\u00ae<\/sup>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Technology. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> That\u2019s in some of the later manuscripts. [Laughter] \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Technology. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> I want to keep on reading. At the end of the chapter, Paul says, \u201cAs for the rich in this present age\u201d\u2014which, by the way, are not the people who make six figures. Most Americans are rich compared to the world\u2014\u201cAs for the rich in this present age, charge them not to be haughty nor to set their hopes on the uncertainty of riches but on God who richly provides us with everything to enjoy. They are to do good, to be rich in good works, to be generous and ready to share, thus, storing up treasure for themselves as a good foundation for the future so that they may take hold of that which is truly life.\u201d Let me read that again, \u201c\u2026so that they may take hold of that which is truly life.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThe Scriptures are like a GPS. It\u2019s pointing us in the direction. When we deny the truth of this Book, we set ourselves off into all kinds of perilous journeys. I\u2019m afraid, today, most couples\u2014most families\u2014don\u2019t have a copy of <em>The MoneySmart Family System<\/em> nor <em>The Money Saving Mom\u2019s Budget<\/em>, and they are in desperate need of them, and they need to get them. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tCrystal, Steve, Annette, thanks for being on the broadcast. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Thanks for having us. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> It\u2019s been wonderful.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Crystal:<\/strong> Thank you. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob:<\/strong> You can go to our website, FamilyLifeToday.com, to find out more about the books that Steve and Annette have written or the book that Crystal has written. Again, the website is FamilyLifeToday.com; or you can call 1-800-FL-TODAY for more information\u20141-800-358-6329. Call to order either or both of these books\u2014the book that Crystal has written for mom\u2019s putting a budget together or the book that the Economides have written to help families get a system together for teaching your kids how to be responsible with their money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNow, we are very grateful for those of you who are able to help support the ministry of <em>FamilyLife Today<\/em>. I know there are families where money is tight, and all you are able to do is support your local church. We hope that\u2019s your first priority, and we hope that you make that a priority in your family. But those of you, who are able to help <em>FamilyLife Today<\/em> with our financial needs\u2014help us cover the costs of producing and syndicating this daily radio program\u2014we appreciate your partnership. We are grateful for you. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd this week, if you can help with a donation, we\u2019d like to say, \u201cThank you,\u201d by sending you an interview we did with Kay Wyma. Kay is a mom, who lives in Dallas, and who got frustrated with her kids having expectations about their quality of life; and they weren\u2019t pitching in. She decided it was time to change that. We\u2019ll hear about her yearlong strategy for getting all the kids involved in helping to manage the household and how it paid off for her. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThat CD is our thank-you gift to you if you\u2019re able to support <em>FamilyLife Today<\/em> with a donation this week. Simply, go to FamilyLifeToday.com and click the button that says, \u201cI CARE\u201d. We\u2019ll send you a copy of the CD. Or call 1-800-FL-TODAY. When you make your donation over the phone, just ask for the CD called <em>Cleaning House<\/em>. We\u2019ll get it out to you. We do appreciate your standing with us and your support of this ministry. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd we hope you\u2019ll be back with us tomorrow when Jill Rigby is going to be here to talk about selfishness and how we can help our kids be cured. I guess\u2014probably, not cured. I don\u2019t know if we\u2019re ever cured of our selfishness, but how you can help your kids learn to be unselfish in a world that is pushing them in the other direction. That\u2019s tomorrow. Hope you can be here for that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI want to thank our engineer today, Keith Lynch, and our entire broadcast production team. On behalf of our host, Dennis Rainey, I\u2019m Bob Lepine. We will see you back next time for another edition of <em>FamilyLife Today<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<em>FamilyLife Today<\/em> is a production of FamilyLife of Little Rock, Arkansas. Help for today. Hope for tomorrow.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe are so happy to provide these transcripts to you. However, there is a cost to produce them for our website. If you\u2019ve benefited from the broadcast transcripts, would you consider <a href=\"http:\/\/wp-stage.familylife.com\/www\/donate\">donating today<\/a> to help defray the costs?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tCopyright <sup>\u00a9<\/sup> 2013 FamilyLife. 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