DIVINE GRACE INT'L MINISTRIES
Blessing the nations and the families as the water covers the sea.
FINANCIAL MANAGEMENT, BUDGET AND BUDGETING
You may not know it, the main cause of marriage failure today is money, money has become part of our every day life.If you manage your money well, you will live happily. However, if otherwise is the cause, you will live in misery. You will find your self working and not able to meet the basic need of the family. our goal is to teach, prepare and present a simple budget to you. We hope to use latest technology to show you how to prepare simple budget, save, invest and manage your assets properly.
The goal of these tools is to teach you and your family the principle of proper true home financial management. Hopefully, help to create peaceful family for the word of God to dwell and have full cause and effect. I don't know, if you are aware, if there is no true love, and true peace in the family, it will therefore affect the entire society. Family is the the first basic unit of the society. If there is peace at home, we will have peace in the school, at work place, on the street and in the whole society.
Our focus is to use the word of God to help to create a peaceful family that will affect the whole society positively. Many people are in prisons, drug rehabitation centers today because of ineffective true family love, proper financial management, investment, budgeting and saving. If there is true love in the family with proper financial management, we will have less prisoners, less crimes and less drug rehabitation centers that in turn will help to reduce our taxes, less burdening on the working families, and the circle of violence. The money spend to house an offender or rehabitate drug addict can better be use to produce more educate men and women that will help to make the society better for us all. Ask your self, what do you do for your family to create better society for us all? Most families think by working two jobs and living in a nice neighourhood that, that will prevent them from circle of violence. And not not spending time with their children will help to reduce violence. However, the recent events across the nation and the world have proven contrary to these traditional believe. Together we can build a better family and then a better society, where brotherhood and peace will reign. Love and the word of God are the keys to better society and peaceful world. True and proper saving, budgetting and investments are very important for today's family. Key to financial freedom, learn to save and invest for raining day. Spend less than you earn.
| Dr. JJ's Family Budget and investment | ||||
|---|---|---|---|---|
| Total Weekly Income Received | Total Weekly Budget | Items Budget | Total Mortgage and Car note | Total Expenses(+)(-) |
| $800.00 | $760.00 | ($330.00) Clothing, foods, gasoline, ultities bill,
presonal care, Weekend outing, tithe&gifts, movie and school supplies |
Mortgage($250) Car ($130) $380.00 |
$40.00(+) |
| Dr. PJ's Family Budget and Budgeting | ||||
|---|---|---|---|---|
| Total Weekly Income Received | Total Weekly Budget | Investment | Total Mortgage and Car note | Total Expenses(+)(-) |
| $800.00 | $840.00 | ($370.00) Clothing, foods, gasoline, ultities bill,
presonal care, Weekend outing, tithe&gifts, movie and school supplies |
Mortgage($250) Car ($170) $470.00 |
$40.00(-) |
ASSET MANAGEMENT
This is an awesome and very interesting moment as you carefully consider wisdom contain in these priciples. For simplicity same, we will present two budgets in the above samples, the two families are Doctors, they both make $800.00 a week and they both have similar expenses, with the exception that one is spending more on car pay and household items. Look at the wisdom here, one spends $40.00 above his income and the other spend $40.00 below his income. These two families, both use credit cards and they are charge 18%-24.5% on unpaid balances. The first family have no unpaid balances, as a result, no finance charges to pay. However, he rather invest his money at 10%-12.5% per year in some financial instruments. You may be wondering what am I try to prove. I want to prove to you how simple attitude of the family can cause great harm to the society in the long run.
| Dr. JJ's Family Budget and Budgeting | ||||
|---|---|---|---|---|
| Total Weekly Income Received | Total Weekly Budget | Weekly Investment made | Yearly investment & Interest gained | 25(YRS) investment(+)(-) |
| $800.00 | ($760.00) | $40.00 | $2288.00 | $57680.00(+) |
| Dr. PJ's Family Budget and Budgeting | ||||
|---|---|---|---|---|
| Total Weekly Income Received | Total Weekly Budget | Weekly Investment Lost | Yearly investment & Interest Lost | 25(YRS) investment Lost(+)(-) |
| $800.00 | $840.00 | $40.00(-) | $2454.4.00 | $62224.00(-) |
As you can bear me witness, a simple attitude of spending $3.00 and $5.00 here and there for breakfast and launch will go a long way to have a proform effect on whether your children will ever have a good quality education. Our goal and focus is to teach the family the simple habit of financial conservativeness. A lot of family are poor today because of simple decision made by their parents and those simple decision that seems hameless at the beginning is now having serious effects on the entire society. Whether you believe it or not, money will affect your life, marriage and the children's education and even their lives here and here after.
Please write or email me. I want to hear from you and custom design budget and investment package for you and your family. My father use to say if you cannot save while making a thousand dollar, it will be very hard for you to save even when making a hundred thousand dollars. Saving and investment is a system that can be learn like any other trade or profession, it takes discipline to learn how to save and invest. Have ever wonder why most foreigners that come to this country with nothing save to be the owners of large investment within a short period. The simple reason is financial Prudence, which can be learn and practice with time. Our focus is to teach these principles to the entire family throughout the nation and the world. Today's family is facing serious problems, because the simple principle of saving and investment has been neglected, the culture is charge and pay later or do not pay at all. My joy and hope is that you and your family will have joy, peace in the Lord and enough money to use wisely and give to others and invest in God's work. And help create a better and great society where selfishness and lack of love will ease. I am praying for you. We love you
YOUR SPIRITUAL & FAMILY WELFARE IS OUR CONCERN:
FOR INFORMATION, PLEASE WRITE TO ADDRESS BELOW.
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