# ase/102011323.xml.gz
# zib/102011323.xml.gz


(src)="1"> How to Manage Your Money
(trg)="1"> How to Manage Your Money

(src)="2"> BASICALLY there are three ways to manage money : ( 1 ) Spend it , ( 2 ) save it , or ( 3 ) give it away .
(trg)="2"> BASICALLY there are three ways to manage money : ( 1 ) Spend it , ( 2 ) save it , or ( 3 ) give it away .

(src)="3"> Let us first discuss how to spend money wisely .
(trg)="3"> Let us first discuss how to spend money wisely .

(src)="4"> If the Great Recession has highlighted nothing else , it has shown the wisdom of living on a well - planned budget .
(trg)="4"> If the Great Recession has highlighted nothing else , it has shown the wisdom of living on a well - planned budget .

(src)="5"> What is a budget ?
(trg)="5"> What is a budget ?

(src)="6"> Simply put , it is an estimate of how income will be used , whether by an individual , a family , a business , or a government .
(trg)="6"> Simply put , it is an estimate of how income will be used , whether by an individual , a family , a business , or a government .

(src)="7"> A Family Project
(trg)="7"> A Family Project

(src)="8"> How can you plan a budget ?
(trg)="8"> How can you plan a budget ?

(src)="9"> “ All family members , ” says the book Budgeting , by Denise Chambers , “ should be included in drawing up the plan so that all have a commitment to the family budget . ”
(trg)="9"> “ All family members , ” says the book Budgeting , by Denise Chambers , “ should be included in drawing up the plan so that all have a commitment to the family budget . ”

(src)="10"> Periodically , all should get together to see how their budget is working .
(trg)="10"> Periodically , all should get together to see how their budget is working .

(src)="11"> Creating a successful budget can become a rewarding family project as each one finds ways to live within the family’s income .
(trg)="11"> Creating a successful budget can become a rewarding family project as each one finds ways to live within the family’s income .

(src)="12"> To work out a budget , some people use a computer program .
(trg)="12"> To work out a budget , some people use a computer program .

(src)="13"> Others simply use a pencil and a sheet of paper , which they divide into two columns .
(trg)="13"> Others simply use a pencil and a sheet of paper , which they divide into two columns .

(src)="14"> One column is for income , and the other for expenditures .
(trg)="14"> One column is for income , and the other for expenditures .

(src)="15"> It is also important to include in the budget a monthly amount to cover once - a - year expenses , such as income tax and perhaps a vacation .
(trg)="15"> It is also important to include in the budget a monthly amount to cover once - a - year expenses , such as income tax and perhaps a vacation .

(src)="16"> A time - tested method of budgeting is based on the use of envelopes or folders labeled “ Food , ” “ Rent , ” “ Transportation , ” “ Electricity , ” “ Medical Bills , ” and so forth .
(trg)="16"> A time - tested method of budgeting is based on the use of envelopes or folders labeled “ Food , ” “ Rent , ” “ Transportation , ” “ Electricity , ” “ Medical Bills , ” and so forth .

(src)="17"> In the past , people put cash for those expenses in the envelopes each month .
(trg)="17"> In the past , people put cash for those expenses in the envelopes each month .

(src)="18"> Now many feel it is safer and easier to deposit money in a bank account and withdraw it as needed .
(trg)="18"> Now many feel it is safer and easier to deposit money in a bank account and withdraw it as needed .

(src)="19"> Jonathan and Anne , who live in South Africa with their two daughters , often use the folder method of budgeting .
(trg)="19"> Jonathan and Anne , who live in South Africa with their two daughters , often use the folder method of budgeting .

(src)="20"> “ If your salary is deposited in a bank account , ” says Jonathan , “ it is just as important to be strict about how your money is divided .
(trg)="20"> “ If your salary is deposited in a bank account , ” says Jonathan , “ it is just as important to be strict about how your money is divided .

(src)="21"> For example , if you run out of your monthly allowance for meat , then you should not take money set aside for savings to buy more meat . ”
(trg)="21"> For example , if you run out of your monthly allowance for meat , then you should not take money set aside for savings to buy more meat . ”

(src)="22"> Jonathan used to run a business , but now he and his family have chosen to be volunteer workers and are involved in building places of worship .
(trg)="22"> Jonathan used to run a business , but now he and his family have chosen to be volunteer workers and are involved in building places of worship .

(src)="23"> Because they treasure this life of giving , they need to live on a budget more than ever .
(trg)="23"> Because they treasure this life of giving , they need to live on a budget more than ever .

(src)="24"> The family regularly have discussions to see how their budget is working and to make needed adjustments .
(trg)="24"> The family regularly have discussions to see how their budget is working and to make needed adjustments .

(src)="25"> The Greater Happiness
(trg)="25"> The Greater Happiness

(src)="26"> Studies show that giving of resources to others , including time and energy as well as some money , brings a greater happiness .
(trg)="26"> Studies show that giving of resources to others , including time and energy as well as some money , brings a greater happiness .

(src)="27"> To the extent your resources allow , it can be the best of the three options mentioned in the introduction .
(trg)="27"> To the extent your resources allow , it can be the best of the three options mentioned in the introduction .

(src)="28"> Chris Farrell , in his book The New Frugality , says that savings are “ a means of supporting spending . ”
(trg)="28"> Chris Farrell , in his book The New Frugality , says that savings are “ a means of supporting spending . ”

(src)="29"> He recommends : “ One of the most valuable and sensible things you can do with your money is give it away . ”
(trg)="29"> He recommends : “ One of the most valuable and sensible things you can do with your money is give it away . ”

(src)="30"> * Farrell adds : “ When you think about what matters most , it’s usually relationships , experiences , and the sense of making a difference , not money and possessions . ”
(trg)="30"> * Farrell adds : “ When you think about what matters most , it’s usually relationships , experiences , and the sense of making a difference , not money and possessions . ”

(src)="31"> Michael Wagner , an economist , seems to agree .
(trg)="31"> Michael Wagner , an economist , seems to agree .

(src)="32"> In his book , Your Money , Day One , aimed at motivating youths to save , he states : “ When you take it upon yourself to help those who are less fortunate , that kindness and generosity will come back to you in a variety of positive ways , but most rewarding is the feeling you will experience in your heart by helping your fellow man . ”
(trg)="32"> In his book , Your Money , Day One , aimed at motivating youths to save , he states : “ When you take it upon yourself to help those who are less fortunate , that kindness and generosity will come back to you in a variety of positive ways , but most rewarding is the feeling you will experience in your heart by helping your fellow man . ”

(src)="33"> The Bible acknowledges that giving results in happiness .
(trg)="33"> The Bible acknowledges that giving results in happiness .

(src)="34"> As discussed earlier , the Bible contains sayings that can help you manage your resources wisely .
(trg)="34"> As discussed earlier , the Bible contains sayings that can help you manage your resources wisely .

(src)="35"> Now , consider seven more of these wise sayings .
(trg)="35"> Now , consider seven more of these wise sayings .

(src)="36"> [ Footnote ]
(trg)="36"> [ Footnote ]

(src)="37"> Money can be given away in the form of gifts or hospitality such as preparing meals for friends and family .
(trg)="37"> Money can be given away in the form of gifts or hospitality such as preparing meals for friends and family .

(src)="38"> [ Box ]
(trg)="38"> Seven Wise Saying

(src)="39"> THE sayings below are found in an ancient book filled with maxims that have proved to be practical and up - to - date .
(trg)="39"> THE sayings below are found in an ancient book filled with maxims that have proved to be practical and up - to - date .

(src)="40"> Consider how these may be helpful in managing your money .
(trg)="40"> Consider how these may be helpful in managing your money .

(src)="41"> “ A mere lover of silver will not be satisfied with silver , neither any lover of wealth with income . ”
(trg)="41"> “ A mere lover of silver will not be satisfied with silver , neither any lover of wealth with income . ”

(src)="42"> Those are not the words of an envious man of little means .
(trg)="42"> Those are not the words of an envious man of little means .

(src)="43"> One of the richest men who ever lived , King Solomon of Israel , wrote them based on his personal experience and observation .
(trg)="43"> One of the richest men who ever lived , King Solomon of Israel , wrote them based on his personal experience and observation .

(src)="44"> Wealthy men of more recent times have made similar remarks .
(trg)="44"> Wealthy men of more recent times have made similar remarks .

(src)="45"> “ If we have food and shelter , we will be satisfied with that .
(trg)="45"> “ If we have food and shelter , we will be satisfied with that .

(src)="46"> Those who long to be rich , however , stumble into temptation . ”
(trg)="46"> Those who long to be rich , however , stumble into temptation . ”

(src)="47"> Those words were written by the apostle Paul , who gave up a prominent career and became a follower of Jesus Christ .
(trg)="47"> Those words were written by the apostle Paul , who gave up a prominent career and became a follower of Jesus Christ .

(src)="48"> Unlike some religious leaders today , Paul firmly resisted any temptation to take material advantage of his students or associates .
(trg)="48"> Unlike some religious leaders today , Paul firmly resisted any temptation to take material advantage of his students or associates .

(src)="49"> Instead , he could honestly say : “ I have coveted no man’s silver or gold or apparel .
(trg)="49"> Instead , he could honestly say : “ I have coveted no man’s silver or gold or apparel .

(src)="50"> You yourselves know that these hands have attended to the needs of me and of those with me . ” ​ — Acts 20 : 33 , 34 .
(trg)="50"> You yourselves know that these hands have attended to the needs of me and of those with me . ” ​ — Acts 20 : 33 , 34 .

(src)="51"> “ Who of you that wants to build a tower does not first sit down and calculate the expense , to see if he has enough to complete it ? ”
(trg)="51"> “ Who of you that wants to build a tower does not first sit down and calculate the expense , to see if he has enough to complete it ? ”

(src)="52"> Jesus ’ illustration might be applied to a situation you may face : When making a purchase , especially with a credit card , will you buy impulsively or be patient and count the cost ?
(trg)="52"> Jesus ’ illustration might be applied to a situation you may face : When making a purchase , especially with a credit card , will you buy impulsively or be patient and count the cost ?

(src)="53"> Do you really need the item , and can you afford it ?
(trg)="53"> Do you really need the item , and can you afford it ?

(src)="54"> “ Those who borrow are slaves of moneylenders . ”
(trg)="54"> “ Those who borrow are slaves of moneylenders . ”

(src)="55"> The recent world financial crisis has exposed the folly of credit - card and other forms of debt .
(trg)="55"> The recent world financial crisis has exposed the folly of credit - card and other forms of debt .

(src)="56"> “ It is common for a person today to have , on average , over $ 9,000 in credit card debt on four or more credit cards , ” states Michael Wagner in his 2009 book Your Money , Day One .
(trg)="56"> “ It is common for a person today to have , on average , over $ 9,000 in credit card debt on four or more credit cards , ” states Michael Wagner in his 2009 book Your Money , Day One .

(src)="57"> “ The wicked one is borrowing and does not pay back , but the righteous one is showing favor and is making gifts . ”
(trg)="57"> “ The wicked one is borrowing and does not pay back , but the righteous one is showing favor and is making gifts . ”

(src)="58"> Declaring bankruptcy is viewed by some as an easy way out of paying back what they owe .
(trg)="58"> Declaring bankruptcy is viewed by some as an easy way out of paying back what they owe .

(src)="59"> On the other hand , those who value a good relationship with God are not only conscientious about paying back what they owe , if they can possibly do so , but also generous with what they have .
(trg)="59"> On the other hand , those who value a good relationship with God are not only conscientious about paying back what they owe , if they can possibly do so , but also generous with what they have .

(src)="60"> “ A young man I used to be , I have also grown old , and yet I have not seen anyone righteous left entirely , nor his offspring looking for bread . ”
(trg)="60"> “ A young man I used to be , I have also grown old , and yet I have not seen anyone righteous left entirely , nor his offspring looking for bread . ”

(src)="61"> Those words were written by a man who suffered unjust treatment .
(trg)="61"> Those words were written by a man who suffered unjust treatment .

(src)="62"> For years he was a fugitive , sometimes living in caves and sometimes seeking refuge in a foreign land .
(trg)="62"> For years he was a fugitive , sometimes living in caves and sometimes seeking refuge in a foreign land .

(src)="63"> Eventually , this fugitive , David , became ancient Israel’s king .
(trg)="63"> Eventually , this fugitive , David , became ancient Israel’s king .

(src)="64"> During his life he experienced for himself the truthfulness of the above words .
(trg)="64"> During his life he experienced for himself the truthfulness of the above words .

(src)="65"> “ There is more happiness in giving than there is in receiving . ”
(trg)="65"> “ There is more happiness in giving than there is in receiving . ”

(src)="66"> Those words were spoken by the greatest man who ever lived .
(trg)="66"> Those words were spoken by the greatest man who ever lived .

(src)="67"> “ For the joy that was set before him , ” Jesus spent his life on earth in the service of others .
(trg)="67"> “ For the joy that was set before him , ” Jesus spent his life on earth in the service of others .

(src)="68"> Now he enjoys immortal spirit life in heaven at the right hand of “ the happy God , ” Jehovah . ​ — Hebrews 12 : 2 ; 1 Timothy 1 : 11 .
(trg)="68"> Now he enjoys immortal spirit life in heaven at the right hand of “ the happy God , ” Jehovah . ​ — Hebrews 12 : 2 ; 1 Timothy 1 : 11 .

(src)="69"> We can have no greater purpose in life than to imitate the example of Jesus by doing all within our power to be in a position to serve the interest of others .
(trg)="69"> We can have no greater purpose in life than to imitate the example of Jesus by doing all within our power to be in a position to serve the interest of others .

(src)="70"> No doubt you will agree that it is better to be a cautious saver , so as to be able to be a generous giver , than to be a selfish spender .
(trg)="70"> No doubt you will agree that it is better to be a cautious saver , so as to be able to be a generous giver , than to be a selfish spender .

# ase/2016440.xml.gz
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(src)="1"> 1 Appreciating Jehovah as Our Potter
(trg)="1"> 1 Appreciating Jehovah as Our Potter

(src)="2"> 2 Do You Let the Great Potter Mold You ?
(trg)="2"> 2 Do You Let the Great Potter Mold You ?

(src)="3"> Pottery is a craft in which the artisan works very closely with his material .
(trg)="3"> Pottery is a craft in which the artisan works very closely with his material .

(src)="4"> In these two articles , we will see how Jehovah fulfills his role as “ our Potter ” and what we must do in order to be like soft clay in his hands .
(trg)="4"> In these two articles , we will see how Jehovah fulfills his role as “ our Potter ” and what we must do in order to be like soft clay in his hands .

(src)="5"> 3 “ Jehovah Our God Is One Jehovah ”
(trg)="5"> 3 “ Jehovah Our God Is One Jehovah ”

(src)="6"> In what ways is Jehovah our God “ one Jehovah ” ?
(trg)="6"> In what ways is Jehovah our God “ one Jehovah ” ?

(src)="7"> How does that affect our relationship with him and with fellow worshippers ?
(trg)="7"> How does that affect our relationship with him and with fellow worshippers ?

(src)="8"> In today’s diversified and multicultural world , we must understand what Jehovah requires of us so that we can have him as “ our God . ”
(trg)="8"> In today’s diversified and multicultural world , we must understand what Jehovah requires of us so that we can have him as “ our God . ”

(src)="9"> 4 Do Not Let the Faults of Others Stumble You
(trg)="9"> 4 Do Not Let the Faults of Others Stumble You

(src)="10"> All humans have faults that can hurt others .
(trg)="10"> All humans have faults that can hurt others .

(src)="11"> What Bible examples can help us understand how we should react when the words or deeds of others hurt us ?
(trg)="11"> What Bible examples can help us understand how we should react when the words or deeds of others hurt us ?

(src)="12"> 5 Highlights From Book Five of Psalms
(trg)="12"> 5 How to Manage Your Money

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(src)="1"> “ O Jehovah , . . . you are our Potter ; we are all the work of your hand . ” ​ — ISA .
(trg)="1"> “ O Jehovah , . . . you are our Potter ; we are all the work of your hand . ” ​ — ISA .

(src)="2"> 64 : 8 .
(trg)="2"> 64 : 8 .

(src)="3"> SONGS : 89 , 26
(trg)="3"> SONGS : 11 , 26

(src)="4"> how Jehovah chooses those whom he will mold ?
(trg)="4"> how Jehovah chooses those whom he will mold ?

(src)="5"> why Jehovah molds his people ?
(trg)="5"> why Jehovah molds his people ?

(src)="6"> how God molds those who submit to him ?
(trg)="6"> how God molds those who submit to him ?

(src)="7"> Why is Jehovah the greatest Potter ?
(trg)="7"> Why is Jehovah the greatest Potter ?

(src)="8"> IN November 2010 , a bid of nearly 70 million dollars was made in London , England , for an 18th - century Chinese ceramic vase .
(trg)="8"> IN November 2010 , a bid of nearly 70 million dollars was made in London , England , for an 18th - century Chinese ceramic vase .

(src)="9"> Clearly , a potter can turn something as abundant and inexpensive as clay into a beautiful and costly masterpiece .
(trg)="9"> Clearly , a potter can turn something as abundant and inexpensive as clay into a beautiful and costly masterpiece .

(src)="10"> Yet , no human potter can begin to compare with Jehovah .
(trg)="10"> Yet , no human potter can begin to compare with Jehovah .

(src)="11"> Late in the sixth creative day , God fashioned “ out of dust [ clay ] from the ground ” a perfect man and gave him the capacity to reflect his Maker’s qualities .
(trg)="11"> Late in the sixth creative day , God fashioned “ out of dust [ clay ] from the ground ” a perfect man and gave him the capacity to reflect his Maker’s qualities .

(src)="12"> That perfect man , Adam , who was made from the earth was rightly called a “ son of God . ” ​ — Luke 3 : 38 .
(trg)="12"> That perfect man , Adam , who was made from the earth was rightly called a “ son of God . ” ​ — Luke 3 : 38 .

(src)="13"> 2 , 3 .
(trg)="13"> 2 , 3 .

(src)="14"> How can we imitate the attitude of repentant Israelites ?
(trg)="14"> How can we imitate the attitude of repentant Israelites ?

(src)="15"> Adam , however , lost his sonship when he rebelled against his Maker .
(trg)="15"> Adam , however , lost his sonship when he rebelled against his Maker .

(src)="16"> Nonetheless , throughout the generations “ a great cloud ” of Adam’s descendants have chosen to uphold God’s sovereignty .
(trg)="16"> Nonetheless , throughout the generations “ a great cloud ” of Adam’s descendants have chosen to uphold God’s sovereignty .

(src)="17"> By humbly submitting to their Creator , they have demonstrated that they wanted him , not Satan , to be their Father and Potter .
(trg)="17"> By humbly submitting to their Creator , they have demonstrated that they wanted him , not Satan , to be their Father and Potter .

(src)="18"> Their loyalty to God calls to mind Isaiah’s words concerning repentant Israelites : “ O Jehovah , you are our Father .
(trg)="18"> Their loyalty to God calls to mind Isaiah’s words concerning repentant Israelites : “ O Jehovah , you are our Father .