Participants: Cordell Thomas
Series Code: TITTB
Program Code: TITTB000011
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00:01 On Take it to the Bank,
00:02 you'll find ways to get out of debt. 00:09 Solve your credit card problems. 00:14 How to make and stick with the budget? 00:19 Simple ways to save. 00:24 Buying or selling a home and many more financial matters 00:29 on Take it to the Bank. 00:31 Hi, my name is Cordell Thomas, 00:33 and welcome to Take it to the Bank. 00:35 We have a lot to talk about today, 00:37 so let's get down to business. 00:39 This one is an interesting topic, 00:40 it's about needs versus wants, 00:42 it's one that will probably hit you right in the gut 00:45 when you talk about do I really need this item? 00:48 Do I really want this item? 00:49 We've talked about a lot of different things, 00:51 and I think that one of the basics 00:53 that we should be aware of is understanding 00:55 that I need to assess where I am at. 00:57 I need to understand where I'm at as an individual 00:59 for my personal finances. 01:01 And number two, 01:02 I need to assess what type of budget I have 01:05 and where my income is and where my expenses are. 01:08 I need to assess what type of money 01:11 I can actually save by cutting my spending 01:14 and curtailing certain things, 01:16 so I can achieve certain goals 01:18 that I've written down and prioritized. 01:21 These are important to me, I want to for example 01:24 have an additional $12,000 in emergency saving, 01:28 so that I can access it in case I may lose my job 01:31 or some unexpected bill will come up. 01:34 And so, it comes into an idea 01:36 of what is that I really need at this point of time 01:39 and can I survive without the wants that are out there 01:42 that people are constantly telling me, 01:43 you need to buy this, you need to buy this. 01:45 All the merchandizes are out there. 01:47 And believe me, towards the end of any year 01:49 or throughout the course of year, 01:51 you have Thanksgiving purchases, 01:53 you got to buy a lot of gifts for people on Christmas, 01:56 you got gifts you got to buy at birthdays, 01:58 you got to do so many different things. 01:59 And it's unless you have budgeted 02:01 for those specific items, 02:03 you are not prepared to be, to buy them because typically, 02:08 you will be putting it on a credit card 02:10 and spending the next few months 02:12 paying that credit card off. 02:14 Plan for this expenses 02:16 and it means having a budget and having a plan. 02:21 That plan is key 02:23 and the budget starts the whole process. 02:25 It's once you get to the savings 02:27 and having a certain amount of cumulative savings 02:30 and have that additional amount 02:31 that you can put into investments 02:32 and do some other thing with, 02:34 you then have to draw yourself back to the perspective 02:37 that I need to be a good steward 02:42 of the things that Christ has given me. 02:44 Let's look at it biblically. 02:45 There is something in the Bible that says 02:47 in 1 Corinthians 4:2, 02:50 now 1 Corinthians is in the New Testament. 02:53 It follows the gospels, Matthew, Mark, Luke and John. 02:56 It follows Acts, Romans, 02:58 and you get to the 1 Corinthians. 03:00 1 Corinthians going to Chapter 4 03:02 and look up verse 2, and that verse says this. 03:07 "Now it is required 03:08 that those who have been given a trust 03:11 that they must prove faithful." 03:12 What's it saying? 03:14 You as a steward or someone that a talent is entrusted to 03:19 must be found faithful. 03:23 Now what does it mean to be faithful? 03:26 What's the context of faithfulness? 03:28 How do I use the talents that are given to me? 03:30 I take you to the parable that occurs in Matthew. 03:34 Matthew is a first book of the New Testament. 03:36 Matthew 25:14. 03:41 When you look at that chapter, it basically says 03:45 that there is a man that went on a trip 03:47 and he entrusted his servant with five talents, 03:51 two talents, and one talent to three different servants 03:54 based on their ability. 03:55 And when he came back, he held them accountable. 03:59 It's the accountability issue that is key. 04:05 I have something for you. 04:06 It's a personal experience that I had 04:08 when I was asked to take on a role 04:10 in a different city, 04:12 and I went to that city, and I was enjoying things, 04:14 but I met an individual that I worked with 04:16 at a previous company. 04:18 He'd been in a senior level management 04:20 and he had moved to a different organization 04:22 and said, Cordell, I want you to come and work with me. 04:24 I have a great position for you, 04:26 and I think it would be beneficial for you to come 04:28 and be a part of this organization. 04:30 We think your marketing skills can be very beneficial for us, 04:34 and I would like you to be a part of this team, 04:36 so it was great. 04:37 We decided to dialogue about it. 04:39 We met a couple of times, 04:40 but there is something that happened 04:42 and from a spiritual basis, it taught me a lesson. 04:45 Okay, the first meeting we were supposed to have, 04:47 I tried to get to the meeting, 04:49 but things came up where we couldn't meet. 04:51 There was those things that happened 04:53 from car accidents to different circumstances 04:57 and I had to fight through all of these clutter, 05:00 it was as if God was saying, 05:01 you don't really want to meet with him, 05:02 you're not prepared for this at this point in time. 05:04 You need to, you need to take your time 05:06 and think through the process. 05:08 I didn't, I was looking at the dollars because this, 05:11 this job was gonna pay relatively well. 05:15 But time came when I remember this clearly 05:19 because my wife and I and my little son 05:21 actually met him for I think it was lunch at a location, 05:26 at a restaurant in the city, and we sat down, and we talked, 05:30 and we had a great deal of fun, 05:32 and we rehashed our experiences, 05:34 and we talked about new things and concepts and marketing 05:37 and sales, and this and that the other, 05:39 and then we got down to the business 05:41 of here's what I want you to do, 05:43 here's what your salary is gonna be, 05:45 here's what the challenges are gonna be, 05:47 and this is what's going on. 05:49 Now, I really didn't hear too much about the challenges, 05:50 I didn't hear about all this kind of stuff 05:52 because when he told me my salary, 05:53 all of a sudden a certain sense of greed came into play, 05:57 and I heard this money, 05:59 and I heard this thing called wow, 06:02 that puts me in an elite group of people 06:04 that's making a lot of money. 06:06 Okay, after that was over, 06:08 my wife and I went back to our place 06:10 and we flew home to our residence in Riverside. 06:16 It was two weeks later 06:18 and before I get to that situation, 06:20 it was interesting because before we left, 06:23 I had this thing in my mind 06:24 that this senior official at this organization 06:27 had offered me a great job at this specific salary, 06:30 so what happens when you know 06:33 you have this expected income coming in, 06:36 and you know 06:38 that there are things that you can do with it. 06:40 I didn't have the training in place at that point in time 06:44 to talk about a budget. 06:47 What we are going to do? How we gonna plan for it? 06:49 I hadn't talked to my wife about the context 06:51 of how we gonna spend that type of money 06:54 that came in on a yearly as well as a monthly basis. 06:58 And so what we found us ourselves doing is 07:00 I was running out now before I had flown back to my home, 07:05 we were looking at houses, 07:06 we were looking at these big homes, 07:08 we were looking at something's worth, you know, 07:10 at that time they were $240,000 homes, 07:13 that was expensive back in that day, 07:15 and there were other type of things 07:16 that we were looking at, new cars, and new things, 07:18 and new items, 07:20 and I hadn't taken the time to assess 07:23 where I was at as an individual, 07:26 what I'm supposed to do 07:27 in my accountability towards Christ, 07:29 because I could live in this simple home that I had. 07:32 I didn't need something more than 07:33 the 1800 or 2000 square feet that I live. 07:37 I didn't need 5000 square foot house. 07:40 What am I gonna do with that kind of space? 07:41 And then my wife tells me you know, 07:43 who is gonna clean it? 07:44 I bet it's gonna be you. 07:46 So you had to, you had these little things 07:47 telling you, yeah, let's watch what we tried to accomplish. 07:51 Here's my point 07:53 before I even had access to those moneys, 07:55 I was already spending the money. 07:58 I was already dealing, 07:59 I was already dealing with the context of spending, 08:04 and doing and getting. 08:06 What were my wants at that time and what were my needs? 08:10 My needs were already fulfilled. 08:11 I already had a home, I already had a car, 08:13 I already had those basic needs. 08:16 The only that changed was, 08:19 I was making a heap of lot money more, 08:21 but the context is clear 08:23 that I wasn't being a good manager 08:28 of the funds God was planning to entrust in me, 08:32 and what happened was very sad later on, 08:35 because whether or not it was projected to happen, 08:38 it happened. 08:39 Two weeks later as we went back to our home, 08:43 we got a call from his personal assistant, 08:46 he told me that your friend had a massive heart attack 08:49 and passed away. 08:52 His life was made right, I'm sure. 08:54 I think that in the kingdom I will see him, 08:57 but the context is that job was no longer there. 09:03 The plans that I were making and going ahead and doing 09:07 were no longer, were really wiped out 09:09 because no longer was I confident 09:13 in that future income. 09:15 God was in control of my life, 09:17 I can see as I look back on what transpired 09:19 over all of the things that happened. 09:22 I lost a personal friend, yes, 09:24 but I also gained a little insight 09:25 into understanding what it means 09:29 to have what you need 09:31 and curtail all of these expenses 09:34 that you can incur by going after the wants 09:38 that society and the media wants you to be. 09:44 First thing I want you to be aware of. 09:46 You as an individual so think of yourself as a producer, 09:50 not a consumer. 09:52 Number two, as a consumer if you go to look at something 09:56 and go to acquire something, 09:58 if it's a car, if it's an appliance, 10:00 if it's a simple laptop computer 10:02 or if it's just a widget 10:03 that is not necessarily something you need. 10:07 Tell yourself and tell the sales person 10:09 that you are the purchaser, 10:11 you will make the final decision 10:12 whether or not you need this item, 10:15 and you will make the final decision 10:16 whether or not you're gonna acquire that item. 10:18 Don't let a sales person sell you something 10:22 that you don't necessarily need. 10:26 With that said, 10:27 I think that I learned the lesson 10:29 through that story of understanding the concept 10:32 that's delivered through the talents 10:34 that you're gonna be held accountable, 10:36 and as well the information in the 1 Corinthians 4:2 10:39 that tells you 10:41 that if you are going to be a good steward, 10:44 you need to be faithful. 10:48 Okay, 10:51 let's take a look at a want. 10:55 An item is probably a want 10:59 if it is possible to delay buying the item. 11:02 Substitute something else for that item 11:05 that may be less expensive 11:07 or to use something you already own. 11:11 Wants are called discretionary expenses. 11:16 Wants are things you might want but don't need to live. 11:21 Almost every experience and activity 11:23 from after school sports to shopping therapy is a want, 11:28 such as eating out, that's a want. 11:33 You can easily cook in and eat in, 11:35 it's actually less expensive per mouth to feed 11:39 by cooking for a group of people 11:41 in your home as opposed to eating out. 11:43 You can save a lot of money that way and that is a want, 11:48 it's easier to do. 11:51 New clothes bought just because they are the new style, 11:54 that's a big thing. 11:55 I was caught up in that 11:56 because styles change so quickly. 11:58 You wonder why they have all of these new smart phones 12:01 that come out all the time, 12:02 every single year there's a new, new, new 12:05 and you got to have, have, have 12:07 and you see kids and young peoples 12:09 and adults lining up outside the stores to acquire, 12:12 to take, to purchase. 12:13 Do they need it or is it just a want to be in style? 12:17 To have clothing when older clothes 12:19 which still can be stylish and just as functional. 12:24 It could be as simple as cable TV. 12:28 We don't have cable TV at home. 12:31 At this point in time 12:32 we don't see the information on television 12:35 as, as good for our young people. 12:39 Oh, I love sports 12:40 and I still find a way to watch football. 12:41 But the context is that 12:44 is cable a necessity for me to live, 12:47 and in the context of looking at my budget 12:51 and how much money I make, 12:54 and how much money I expense on a monthly basis, 12:56 does it make more sense to save that money 12:58 and do something else with it as opposed to 13:00 spend it on something I don't use that much anyway. 13:04 I don't watch a lot of television, 13:06 I don't really watch television at all 13:07 except for sports, 13:09 I kind of like that kind of a thing. 13:11 Majority of things that we have for our kids right now 13:13 is nominal because they don't even miss television, 13:15 so why spend the additional amount? 13:18 Okay, other thing such as cell phones ring tones. 13:24 Does it cost for it? 13:25 Is it a want? Is it a need? 13:27 How about text messaging on your cell phone? 13:30 We have all of these smart phones that are out there 13:33 and have so many different mechanisms and tools 13:35 that you can use, but you also pay extra for. 13:39 What I'm saying is 13:41 when you look at needs versus wants, 13:44 this all goes back to where we started 13:47 with the budget. 13:49 Because all of these elements are ways 13:51 of cutting away the expenses 13:54 and leveraging more of the money 13:58 to put into savings 13:59 and making for a better life for all of us. 14:03 When you take a look at needs on the other hand, 14:06 if the purchase is something necessary to survive, 14:09 then it's likely to be a need. 14:11 For example needs are the items or costs 14:15 you need to live, for your rent, 14:19 your mortgage payment, that's kind of a need. 14:22 You want to keep a roof over your head 14:25 and so we ensure that we budget for that need 14:29 and make that a priority over a want 14:32 such as cable television, 14:35 or such as some other resource that may be available. 14:39 Rent, a roof, a mortgage, housing that is essential 14:44 because it puts roof and walls around us 14:47 and protects us. 14:49 Transportation is also a necessity 14:52 because you need to get to work. 14:54 Now how you get to work may be different for each one of us. 14:58 If you live local to the work environment, 15:00 you could take a bus there, you could walk to work. 15:02 If you live a distance away 15:04 which many of us are commuting to work, 15:06 you may need the car, so therein may be a car loan. 15:08 Could be public transportation, a bus pass etcetera. 15:12 Those would be a need to look at 15:15 in reference to bringing in the revenue 15:18 or the pay check necessary to live, 15:20 so that I could consider a need. 15:22 What else would be there? 15:24 A utility bill, if you live in Wisconsin, 15:26 if you live in cold areas of the country, 15:29 you need heat, you need light, 15:31 you need those type of things to exist safely 15:34 and keep us warm. 15:36 So yes, utility bills, I would consider a necessity, a need 15:41 to make sure that your comfort is taken care of. 15:43 What else? Food. 15:45 Oh, yeah, food is definitely a need. 15:47 I love food, I love to eat. 15:49 I have a wife that cooks fantastically, 15:52 but she is very frugal 15:54 in how she goes about buying things. 15:56 I'm amazed at what she does 15:58 and actually can make $50 last a long time 16:01 and buy a ton of groceries, those are things you consider. 16:05 And as you look at the trends in your budget, 16:07 you can begin to see things that begin to happen 16:10 as you monitor these different activities 16:13 that you go through. 16:15 So we can see that we've been managing 16:17 our food budget relatively well and she's been able to make 16:21 a little of money last a long time. 16:24 Food is a necessity, we need it to live. 16:27 We need food and water to exist. 16:29 And then of course, 16:31 one of the things that's basic to all of us 16:32 is basic clothing such as jeans. 16:35 Without the designer label, you can save a lot of money. 16:38 And what I like to see right now 16:39 in some of the trends is, 16:41 it's the dress now that a lot of our young people 16:45 and young adults are getting into is just dressing down. 16:48 Not dressing terribly, but dressing down 16:51 and not looking necessarily at the label 16:54 but looking more so at comfort, 16:56 and that's key especially for kids. 16:57 You can buy clothing inexpensively 17:01 and save on that type of necessity, 17:07 so that you can put money away for other things. 17:11 Even within this category however 17:13 there are different levels of wants or needs. 17:16 For example a winter coat, 17:18 for example when it's snowing outside 17:21 it's a need, 17:23 but a new shirt just to change your wardrobe 17:26 and add something new may not necessarily be a need, 17:29 that is considered a want. 17:33 Cooking inexpensive meals at home is a need 17:38 as I mentioned before, 17:40 but eating out at fast food restaurants 17:42 is a want. 17:45 We did some type of-- 17:48 out on the street type of interviews 17:50 and we talked to several people about, 17:55 do they plan for their outings, 17:56 do they understand their wants and need, 17:58 and here are some of the responses. 18:05 Oh, that was easy, spender. 18:08 I'm a spender. Saver. 18:13 Let's see, I say 60-40, 60 percent spender, 18:17 40 percent saver. 18:18 I do more spending than saving, but there are times 18:20 when it is flipped and reversed, 18:22 so I try to save as much as I possibly can, 18:24 but I must admit I probably do spend more 18:27 than I save unfortunately. 18:30 Saver, but I spend a lot more than I save. 18:36 Well, really I'm both. 18:39 I'm a spender for sales, 18:42 and after attending the seminar here 18:47 knowing where your money be going, 18:49 I keep better track of where my money is going now 18:53 than I did before that. 18:58 I'm a spontaneous shopper, but I don't-- 19:00 A spontaneous shopper meaning when I go out 19:03 and I spend on a spontaneity situation, 19:07 I actually spend frugally, 19:08 but for large purchases I save for it. 19:14 Spending and saving, 19:15 it's interesting how people look 19:16 and actually rationalize what they do. 19:19 I spend, I save, I do this type of things, 19:22 and actually goes into the issue 19:24 that we are talking about needs and wants. 19:27 Many of the times we-- 19:28 Sales are really something that I used to be hooked on is, 19:31 there's a sale. 19:32 Oh, shoo, that's great, 19:34 let's go out and buy some of these things 19:35 because we don't know when we will need it. 19:37 That was a wrong approach from the beginning. 19:39 Now the context is 19:41 you understand what it's all about. 19:43 For example some of the costs of these costs, housing, 19:46 transportation costs for example are regular 19:49 and predictable costs each month, 19:51 so you can budget for those and you don't have to 19:54 a lot of control over the amounts that you spend. 19:57 But the context is, 19:59 you can also address like a mortgage by refinancing 20:03 and if you can move to a lower rate 20:05 and as well buying a less expensive car. 20:08 In reference to a car, do you need a car? 20:10 Well, if you need a car, I would recommend 20:13 going after maybe a two year used car 20:16 as opposed to a new car. 20:17 Why is that? 20:19 The moment you drive a new car off the lot, 20:21 it drops significantly in value. 20:24 If you are willing to look into researching 20:28 for a two year used car 20:30 and that will probably looking at the warranty, 20:33 it still has a part of the warranty left over, 20:35 there's a lot of benefits to it, 20:37 and you can get it for substantively 20:39 less than you would get a new car. 20:41 So with all of that said, think before you spend. 20:45 Before you buy something, 20:46 ask yourself do I need that item? 20:49 Ask yourself is it a need or is it just a want. 20:53 You may be surprised 20:54 at how many things are actually wants. 20:56 And I also recommend to you 20:58 is take that three day cooling off period and go home, 21:01 because if you don't go back to buy it, 21:03 it never was a need anyway, all right. 21:07 There are websites out there 21:09 that I would suggest you look at 21:10 if you have a chance to do a internet search, 21:13 and look up the issue, 21:16 just type in the search engine needs versus wants, 21:20 and it's amazing what some of the websites 21:21 that will come up to help you understand 21:23 the context of needs versus wants better 21:25 but, what we'll do is this time right now 21:29 is talking about 21:30 what's going out there in the marketplace. 21:32 It's a good time for shoppers. 21:34 Stores have inventory that they want to get rid of 21:36 is based on the economy. 21:38 There are deals galore that are available, 21:40 so if you find that you have a need to go after, 21:45 before you take off on any type of shopping spree, 21:49 go through a check list first, and here's a checklist. 21:52 One, why am I going shopping? 21:55 Ask yourself that question. 21:56 Why am I going? 21:58 Is it just to shop around 21:59 or is it to get something specifically that I need? 22:02 Okay. 22:04 Two, am I sure I really absolutely need this, 22:07 that's what we've done it, because I ask that first time, 22:09 but ask yourself a second time, do I really need this item? 22:14 Third, is the cash in my pocket better in my bank 22:18 or in the store's bottom-line in profits? 22:22 Four, if I do shop, 22:24 am I prepared to shop around to get the best deal. 22:30 Five, 22:33 do I have it in me to wheel and deal? 22:38 Six, am I ready to walk away if I'm not getting what I want? 22:43 Or am I willing to walk away 22:45 if that thought or doubt comes in my mind 22:47 about this acquisition or this purchase. 22:50 The first thing to avoid is stopping by any store 22:53 and just jumping out and going into the store, 22:56 that's a first mistake. 22:57 When you're driving, just go where you're going. 23:00 If you see a store whatever the case may be, 23:02 and you don't have it in your plans to go shopping, 23:04 and you do have a checklist in place, 23:06 just don't go. 23:08 Okay, I have five points I'd like to do 23:11 to give to you as we go towards closing 23:14 in this specific area of needs and wants. 23:17 Point one, shop around, 23:19 you have the choice, it's yours. 23:21 You are the purchaser, you are the consumer, 23:23 you are the buyer, 23:25 don't let anyone sell you something 23:27 that you don't necessarily need and or want, 23:30 whether it's shoes, jeans, a flat screen TV, 23:33 whatever the case may be. 23:34 Avoid the temptation to go after a label 23:36 versus the product. 23:38 A pair of jeans for example 23:39 is just a pair of jeans made of denim. 23:42 And one of this fabrics are same at home and ask yourself 23:47 how many do I already have in my closet? 23:49 How many jeans do I have? 23:51 Do I need a 50 inch big screen flat screen TV? 23:55 Or why don't I just go home 23:57 and move my couch closer to my 36 inch screen 24:01 and it's just like a 50 inch screen, 24:03 just a thought. 24:04 Number two, 24:06 don't just take the word from the sales person. 24:09 Call competing stores if they won't budge, 24:12 so sales persons are hungry right now. 24:14 They need to get sales, they want to move inventory. 24:16 Or once you picked out something you need 24:18 or you want to purchase and you saved for, 24:21 is it the best price you can do? 24:23 If he's not willing to budge, I ask you to do this. 24:27 Pick up your smart phone and call a competing store, 24:30 and here is some things you do. 24:32 Do you have this type of equipment? 24:35 Oh, yes, is that right? 24:38 And can you come and deliver it the next day? 24:41 Sure, what's the cost? Oh, my, and hang up. 24:47 Oh, finish the conversation with how long are you open. 24:51 Then hang up and start to walk away. 24:54 If the sales person hasn't already fainted yes yet, 24:57 they will come running after you 24:59 and they are going to make you a better deal 25:01 and may be not in price 25:02 but they're gonna offer you a better service, 25:05 they may offer you free installation. 25:11 Do your best to conceal, you smile by the way. 25:13 Point number three, discounts, discounts, discounts. 25:16 My wife is the best at that, she can find coupons, 25:19 so she can find the best deals out there 25:21 to make your dollar last longer. 25:23 Remember, when you're doing coupons 25:25 also remember where your eyes go at a store, 25:28 they go to the most expensive items 25:31 because they pay for that location. 25:33 Look up above it 25:34 and look below it for cheaper items, 25:36 because if you get a coupon that takes 20 cents of an item 25:39 that costs a dollar that's great, 25:41 but you find the same item 25:43 that is 80 cents a little lower 20 cents off of 80 cents 25:48 is better than 20 cents from a dollar. 25:50 Point four, self discipline is key. 25:54 What do we talk about before? 25:55 Budget, that's a key. 25:57 Budget, plan and think. 26:00 Look, I used to spend a ton of money 26:03 going to a health club, 26:04 and working out, and keeping myself in shape, 26:07 and it's great to have it 26:09 because as I'm trained to run a marathon, 26:11 I need to do weight training, 26:13 I need to get some treadmill working, 26:14 there I need to do a variety of things. 26:16 I can spend $1,500 at a health club, 26:19 but guess what? 26:20 Why am I going to the health club? 26:22 Am I paying for the amenities it has? 26:24 Like the sauna, 26:25 that doesn't help me get in shape, does it? 26:28 Like the whirlpool, like the gym, 26:31 like the basketball court, like the swimming pool? 26:34 No, what I typically use are weights, and I use machines 26:38 and I use the treadmills, and the elliptical machines, 26:41 those type of things are what I need to keep in shape, 26:44 so guess what? 26:46 My wife and I have found this health club 26:47 that doesn't have all the amenities, 26:48 but I know I can find what I need to work out 26:51 and get myself in shape. 26:53 I spend myself and my wife 26:56 both spend $11 a month for that health club, 27:01 health club membership. 27:04 Number five, and this is basic. 27:06 Watch where you look. Watch where you look. 27:10 The people who make products 27:12 pay for the placement of those products. 27:15 Make sure that you look above the product placement 27:18 and below. 27:19 Compare prices, compare, compare, compare, 27:22 and get the best dollar 27:25 or gets the best value for your dollar. 27:28 There are two kinds of shoppers. 27:30 There are those with checklists 27:32 and there're those with shopping list. 27:35 See that you take care of your budget, 27:41 you evaluate your budget on a timely basis. 27:44 Make certain that you evaluate your budget 27:47 on an ongoing basis, 27:49 and that you don't spend more than you have to. 27:53 Plan, budget, 27:56 and take it to the bank and save. 27:59 God bless. |
Revised 2016-06-16