7 Principles of Wise Money Management

by Dr. MaryAnn Dorio

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Guard your heart above all else, for it determines
the course of your life.” ~ Proverbs 4:23
______________________________________

According to my Concordance, the word “money” occurs in the Bible 148 times.  God has a lot to say about money and the way we manage it. Here are seven basic principles to keep in mind that will help us to be good money managers:

Hands holding the blackboard with text Manage Your Money against the gray background.1) Everything we own belongs to God, including our money.  We are simply stewards of God’s belongings.

2) Always pay God first. The first ten percent of our gross earnings must be invested into God’s Kingdom, normally via your home church.  This investment is called the tithe.  Consider this as an obligatory bill.  God uses the tithe as seed for our future provision.

3) Always pay yourself second. The second ten percent of our gross income must be invested into personal savings. Consider this also as an obligatory bill.

4) Put your savings into investments that give the best return.  The miracle of compound interest has created many a millionaire.

5) Never spend more than you earn. Live within your means and practice delayed gratification.

6) Develop a giving attitude.  God has set a law into motion called the Law of Sowing and Reaping.  The more we sow, the more we will reap.  Give generously to worthwhile causes, particularly those that help the poor.

7) Always use money and love people. Never love money and use people.

By applying these seven principles to your finances, you will be managing your money wisely, and you will prosper as a result.
            

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Copyright 2016 by Dr. MaryAnn Diorio. All Rights Reserved. This article may not be published or printed in any form whatsoever without the written permission of Dr. MaryAnn Diorio. You may contact her at drmaryann@maryanndiorio.com to request permission.

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Dr. Diorio is an award-winning, widely published author of fiction for adults and children. She is also a Certified Life Coach, a Certified Biblical Counselor, and a Certified Behavioral Consultant.  You may reach her at drmaryann@maryanndiorio.com or via one of her social media venues below:

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How to Endure to the End

by Dr. MaryAnn Diorio

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Guard your heart above all else, for it determines
the course of your life.” ~ Proverbs 4:23
______________________________________

As the days grow more perilous, we Christ-Followers are facing increasing persecution. In light of such increasing opposition, how can we be sure that, no matter what happens, we will endure to the end?

Two Female Runners Finishing Race TogetherOne Scripture verse, in particular, gives us instructions on how to remain faithful and strong: 1 Timothy 1: 19: “Cling to your faith in Christ, and keep your conscience clear. For some people have deliberately violated their consciences; as a result, their faith has been shipwrecked.”

Let’s take a closer look at the two instructions in this verse:

1) Cling to your faith in Christ. To cling means to hold on tightly. When we cling to our faith in Christ, we hold on to our faith with all of our might, careful not to let go because it is so precious. Interestingly, Webster defines “cling” as “to stay very close to someone for emotional support, protection.” Clinging to our faith in Christ means, then, staying very close to Jesus, the Author and the Finisher of our faith (Hebrews 12: 2).

2) Keep your conscience clear. This means to follow the leading of your conscience. Our verse tells us that those who continually violate their consciences will not endure to the end but will be shipwrecked. That means they will not reach their destination of Heaven. The conscience, however, can suffer problems, including false guilt, scrupulosity, or laxness.  It is important that we ask God to sanctify our conscience so that it will be aligned with His Word. Nonetheless, while the Lord is sanctifying our conscience, we must still obey it. Romans 14: 23 says this: “Whatever does not proceed from faith is sin.” 

As the days grow darker, the Christ-Follower will be increasingly challenged. Determine now that you will endure to the end.

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Copyright 2016 by Dr. MaryAnn Diorio. All Rights Reserved. This article may not be published or printed in any form whatsoever without the written permission of Dr. MaryAnn Diorio. You may contact her at drmaryann@maryanndiorio.com to request permission.

Amazon.com Required Disclosure: MaryAnn Diorio is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Dr. Diorio is an award-winning, widely published author of fiction for adults and children. She is also a Certified Life Coach, a Certified Biblical Counselor, and a Certified Behavioral Consultant.  You may reach her at drmaryann@maryanndiorio.com or via one of her social media venues below:

Website: www.maryanndiorio.com
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How to Win at the Game of Life

by Dr. MaryAnn Diorio

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“Guard your heart above all else, for it determines
the course of your life.” ~ Proverbs 4:23
______________________________________

Life has been called a game. A game has winners and losers. Games can be played over and over, but life cannot. So, since we have only one chance at this game called life, how can we be sure we win the game?

Interestingly, the Bible provides solid, surefire instructions for how to win at the game called Life. Here are a few of them:

winner icon design, vector illustration eps10 graphic1-Let love be your greatest aim (1 Corinthians 14: 1). God is love, and we are the most like Him when we love. To love means to treat others as we want to be treated. It does not mean to condone sin. True love always loves the sinner but hates the sin. Love puts the good of the loved one above one’s own needs and desires. Love never fails.

2-Always speak the truth in love (Ephesians 4: 15). Truth and love are two sides of the same coin.  If we say we love but do not speak the truth to the one we love, then we really do not love that person. To love without truth is not to love at all. To speak the truth without love is to be nothing more than a clanging cymbal.

3-Trust in the Lord more than you trust in yourself (Proverbs 3: 5). The Lord knows the beginning from the end. He sees the entire picture. We do not. So it makes sense to trust God more than we trust ourselves.

4-Practice contentment no matter the situation (Philippians 4: 11). We all go through good times and bad. One way to win at life is to be content no matter in what situation we find ourselves. Contentment fosters peace, and peace contributes to our wholeness.

5-Develop an attitude of gratitude (1 Thessalonians 5: 18). It’s not the problems we face in life that get us down; it’s how we perceive those problems. When we give thanks in the midst of every trial – not FOR every trial, but IN THE MIDST OF every trial – we assume a winning posture in life. To complain is to act like a victim. To give thanks is to act like a victor.

If you apply these five simple strategies to the way you live, you will find yourself winning instead of losing at this wonderful game called Life.

NOW IT’S YOUR TURN: What Scriptural principles have you applied to win at the game of life? Please share your thoughts in the box below. We value them!

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Snail Mail: PO Box 1185, Merchantville, NJ 08109
________________________________
Copyright 2016 by Dr. MaryAnn Diorio. All Rights Reserved. This article may not be published or printed in any form whatsoever without the written permission of Dr. MaryAnn Diorio. You may contact her at drmaryann@maryanndiorio.com to request permission.

Amazon.com Required Disclosure: MaryAnn Diorio is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Dr. Diorio is an award-winning, widely published author of fiction for adults and children. She is also a Certified Life Coach, a Certified Biblical Counselor, and a Certified Behavioral Consultant.  You may reach her at drmaryann@maryanndiorio.com or via one of her social media venues below:

Website: www.maryanndiorio.com
Blog (Matters of the Heart): http://www.networkedblogs.com/blog/maryanndiorioblog
Amazon Author Central: http://www.amazon.com/author/maryanndiorio
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How to Handle Frustration in Your Life

by Dr. MaryAnn Diorio

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“Guard your heart above all else, for it determines
the course of your life.” ~ Proverbs 4:23
______________________________________

Are you feeling frustrated? Is there a problem in your life that seems to defy solution? Have you given up hope of things ever changing?

All of us at some point in our lives experience frustration. Usually the frustration stems from not achieving a goal we’ve set for ourselves. We also feel frustrated when our life doesn’t turn out the way we may have planned it to turn out.

Emotional Stress.

Frustration is often the discrepancy between what we hoped to achieve and what we actually achieved. This discrepancy often results from following our own plan for our lives instead of God’s plan for our lives.

Strange as this may sound, God’s primary goal for us is not our success. His primary goal is to transform us into the image of Jesus Christ. If there is anything in our lives that stands in the way of that goal, God will deal with us about it.

For instance, you may have a serious financial problem and need money badly. You pray and pray but nothing seems to happen. Why? It may be that lack of money is not the root cause of your problem; lack of discipline may be. God wants to deal with the lack of discipline first. Otherwise, if He were to give you the money without dealing with the lack of discipline, the money would harm you.

God always deals with the root of the problem, not the symptom. Only when the root is destroyed will the problem disappear.

If you are experiencing frustration, ask God to show you the root cause of it. You may find that you are insisting on your own plan for your life and not God’s plan. I can tell you from personal experience that your own plan will never bring you the joy, peace, and fulfillment that God intends for you. Only God’s plan for you will do that.

As you surrender to His will for your life, your frustration will disappear and, in the process, you will become more and more like our Savior, Jesus Christ.

NOW IT’S YOUR TURN: How do you handle frustration?  Please share your thoughts in the box below. We value them!

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If you have any questions, you may contact me as follows:

Email: drmaryann@maryanndiorio.com
Snail Mail: PO Box 1185, Merchantville, NJ 08109
________________________________
Copyright 2016 by Dr. MaryAnn Diorio. All Rights Reserved. This article may not be published or printed in any form whatsoever without the written permission of Dr. MaryAnn Diorio. You may contact her at drmaryann@maryanndiorio.com to request permission.

Amazon.com Required Disclosure: MaryAnn Diorio is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Dr. Diorio is an award-winning, widely published author of fiction for adults and children. She is also a Certified Life Coach, a Certified Biblical Counselor, and a Certified Behavioral Consultant.  You may reach her at drmaryann@maryanndiorio.com or via one of her social media venues below:

Website: www.maryanndiorio.com
Blog (Matters of the Heart): http://www.networkedblogs.com/blog/maryanndiorioblog
Amazon Author Central: http://www.amazon.com/author/maryanndiorio
BookBub.com: https://www.bookbub.com/authors/maryann-diorio
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How to Recognize and Survive Satanic Attacks

by Dr. MaryAnn Diorio

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“Guard your heart above all else, for it determines
the course of your life.” ~ Proverbs 4:23
______________________________________

If you haven’t figured it out yet, Satan is out to get you. But, as a born-again follower of Jesus Christ, you have absolutely nothing to fear.

When dealing with the devil, we need to recognize his modus operandi (his M.O.) and his tactics. Here are some ways to do that:

Knight. Photo in vintage style

Take seriously the truth that Satan is out to destroy you. Taking this truth seriously means recognizing that Satan is your enemy, although a defeated one. So, while he has no power over us except what we give him, he is subtle and crafty and sly. Scripture says this in 1 Peter 5: 8: Stay alert! Watch out for your great enemy, the devil. He prowls around like a roaring lion, looking for someone to devour.  So, stay alert!

—Pray for wisdom and discernment. Satan’s chief weapon against us is deception. Our world today is full of deception. Jesus prophesied this would happen in the end times. The Bible says this in 1 Timothy 4: 1: Now the Holy Spirit tells us clearly that in the last times some will turn away from the true faith; they will follow deceptive spirits and teachings that come from demons.

In order to avoid deception–aka the counterfeit–we must know the Bible. A bank teller-in-training never touches counterfeit money. He handles only real money and gets to know the feel of it so well that he will instantly recognize a counterfeit bill.  So it is with us as Christ-Followers. We must get to know the Word so well that we will instantly recognize the lies of the enemy.

—Saturate yourself with the Word of God. Don’t just read the Bible; study it. Dig deep into its wisdom for living. Learn from its pages how Satan operates and how to be alert to his traps. Psalm 119: 105 says this: Your word is a lamp to guide my feet and a light for my path. Be sure to keep your lamp lit!

—Memorize Scripture. There is no better weapon against the attacks of Satan than the Word of God. When you memorize the Word, you are putting it deep into your spirit. When you face an attack from Satan, Holy Spirit will bring the Word to your remembrance so that you can use it to defuse Satan’s attack. In Psalm 119: 11 we read this: I have hidden your word in my heart, that I might not sin against you. Keeping God’s Word in our hearts will protect us in the time of temptation.

—Fellowship with Other Believers. This is a critical aspect of dealing with Satanic attacks. Being in the company of other believers will strengthen you and provide you with wise counsel in the face of your attacks. Scripture says this in Hebrews 10: 25: And let us not neglect our meeting together, as some people do, but encourage one another, especially now that the day of his return is drawing near.

The poet John Donne said that no man is an island. No Christ-Follower can be an island either. We believers all need one another.

Review these points regularly so as to keep them fresh in your mind.  Most of all, practice them. God has provided all the weaponry we need to face and resist Satan. Put on your armor every day (Ephesians 6:11-18), and watch Satan flee in terror as you speak God’s Word against him.

NOW IT’S YOUR TURN: How do you handle Satanic attacks?  Please share your thoughts. We value them!

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If you like to read fiction, check out some of my books below: 

If you have any questions, you may contact me as follows:

Email: drmaryann@maryanndiorio.com
Snail Mail: PO Box 1185, Merchantville, NJ 08109
________________________________
Copyright 2016 by Dr. MaryAnn Diorio. All Rights Reserved. This article may not be published or printed in any form whatsoever without the written permission of Dr. MaryAnn Diorio. You may contact her at drmaryann@maryanndiorio.com to request permission.

Amazon.com Required Disclosure: MaryAnn Diorio is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Dr. Diorio is an award-winning, widely published author of fiction for adults and children. She is also a Certified Life Coach, a Certified Biblical Counselor, and a Certified Behavioral Consultant.  You may reach her at drmaryann@maryanndiorio.com or via one of her social media venues below:

Website: www.maryanndiorio.com
Blog (Matters of the Heart): http://www.networkedblogs.com/blog/maryanndiorioblog
Amazon Author Central: http://www.amazon.com/author/maryanndiorio
BookBub.com: https://www.bookbub.com/authors/maryann-diorio
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