Don’t Divorce

 

This book was given to us in consideration of a review.

This book is not a quick read, nor is it an easy read.  It is a book written by a Ph.D. and it feels like it is written like a textbook in some places. 


 However, that might just be exactly what is necessary to combat all the literature out there that is based upon opinion and made-up statistics.
As you know, statistically speaking, marriages don’t last.  You have a higher chance of divorcing before you die than you do of staying married the rest of your life, or that of your spouse. Is that really true?
Don’t Divorce offers studies that prove divorce is misrepresented in the media, that it isn’t as common as one may think.

In fact, Don’t Divorce shows that much of what is presented in the media as fact is just plain wrong.  This book not only dispels the myths, it gives the name of the studies that disprove them.
Don’t Divorce offers readers information to help them stay together.  It reminds readers of how the divorce industry thrives on people’s misery and how much potential cost there is, in money and the lives of not only the couple involved, but also their children and other family members. 
We hope that no one reading this is ever faced with the possibility of divorce.  But if there is a possibility, both members of the couple should read Don’t Divorce.
Don’t’ Divorce is well-written, and although a slow read, should be read by anyone who has a potential divorce in their future, whether it be their own, or that of someone they love. 

We don’t like the subject matter, few would, but we think it is an important book for anyone who has divorce enter their life or the life of a family member or friend. 


 

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If you would like for me to pray for you, please drop me an e-mail by clicking prayer.

 

 

 

 

 

 


Please Visit My Child Bride Suzanne’s Blog


 

 

 


 

 


 

 


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I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.

Always consult a professional before you act on any of the information you find in this course.  

 

 

 

 

 


Do you have a frugal recipe?  Please e-mail it to me.


 

 

 

 

 

 

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer

The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions.

There is no one right answer to any business question that will cover all circumstances.

Budgeting Outgo

You will need to look at your financial
forensic evidence to determine your outgo.
Outgo is any money that you pay out. Whether it be daily, weekly,
monthly, quarterly, semi-yearly, yearly or just a once in a lifetime thing, you
have to figure it into your budget.

You must figure it in so that you can
plan on when you have to pay it again.
If the expenditure is truly a once in a lifetime payment, then you will
not need to include it in a budget for the future.
You have two types of expenditures:
fixed and variable.
Fixed expenses are things that do not
NORMALLY vary from month to month, such as mortgage or rent payments, car
payments, insurance, etc.
Variable expenses are those bills that
vary somewhat.  You may be able to exercise
some control over your variable expenses.
Some examples of variable expenses
would be utilities such as gas and electric, groceries, entertainment,
vacations, etc. 
To help you budget a little better, you
may wish to look into equal payment plans with your utilities.  Some utility companies will set up a plan of
equal payments based on your last year’s utility bills.
If using an equal payment plan, pay
attention to your actual usage each month.
In the present year, you may be using more than you did in the previous
year.  If that is the case, you will have
a large bill to settle at the end of the year.
For now, we are going to focus on
budgeting for these variable expenses, but later we will discuss ways of
bringing those expenses under some type of control.

Gather together all your bills
and let us get started. 


 

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.

Please Visit My Child Bride Suzanne’s Blog


I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!




Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.




Always consult a professional before you act on any of the information you find in this course.  

 

 

 

 

 




Do you have a frugal recipe?  Please e-mail it to me.



 

 

 

 

 

 



Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 







Disclaimer

The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions.

There is no one right answer to any business question that will cover all circumstances.

Budgeting Outgo

You will need to look at your financial
forensic evidence to determine your outgo.
Outgo is any money that you pay out. Whether it be daily, weekly,
monthly, quarterly, semi-yearly, yearly or just a once in a lifetime thing, you
have to figure it into your budget.

You must figure it in so that you can
plan on when you have to pay it again.
If the expenditure is truly a once in a lifetime payment, then you will
not need to include it in a budget for the future.
You have two types of expenditures:
fixed and variable.
Fixed expenses are things that do not
NORMALLY vary from month to month, such as mortgage or rent payments, car
payments, insurance, etc.
Variable expenses are those bills that
vary somewhat.  You may be able to exercise
some control over your variable expenses.
Some examples of variable expenses
would be utilities such as gas and electric, groceries, entertainment,
vacations, etc. 
To help you budget a little better, you
may wish to look into equal payment plans with your utilities.  Some utility companies will set up a plan of
equal payments based on your last year’s utility bills.
If using an equal payment plan, pay
attention to your actual usage each month.
In the present year, you may be using more than you did in the previous
year.  If that is the case, you will have
a large bill to settle at the end of the year.
For now, we are going to focus on
budgeting for these variable expenses, but later we will discuss ways of
bringing those expenses under some type of control.

Gather together all your bills
and let us get started. 

 If you would like for me to pray for you, please drop me an e-mail by clicking prayer.

Please Visit My Child Bride Suzanne’s Blog

 

 

I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.



Always consult a professional before you act on any of the information you find in this course.  

Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 



Disclaimer

The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions.

There is no one right answer to any business question that will cover all circumstances.

Budgeting: Income


By this time, you should have
accumulated all your financial forensic evidence and are ready to start putting
together a budget.  If you have not yet
done so, now is the time to get out the checkbook registry, get together all
bank and credit card statements, and get ready to assess your income and outgo.
Be sure you have all your credit card
statements, loan statements, and any other financial statements or documents
together.
It is best to use some type of
financial software or even a basic spreadsheet program for this.  If you do not have any of this, Google has
Google Sheets, which is a free basic spreadsheet program.  Open Office also provides a free spreadsheet
program. Start by listing all your income and/or
anticipated income.

 

 

 

Gross

Gross income is the total income you
produce.  It is everything before any
type of deductions are taken out of your check.
You will use this to calculate your tithe and savings plan.

 

Net

Your net income is what you actually
receive.  This is what is left over after
all your deductions such as federal taxes and Medicare.  Net income is the amount you will actually be
able to spend in your budget.
When David was working as a loan
officer at a supervised lender, he was taking a loan application when someone
told him, regarding their income, “De duck gets more than I do”.  This is a cute statement to state what many
of us think about the many deductions from our paychecks we have to endure.
Your income will consist of any salary,
hourly wages, or tips you receive.  Also,
include wages you earn from anything.
Get this all together and write it down.  Remember to include all income received by
both spouses in this calculation.
Gross Income from
Salary/Wages————————- _______
Tips, etc.—————————————————– _______
Rents received———————————————– _______
Royalties received——————————————- _______
Income from second job———————————— _______
Total Gross income—————————————– _______
Less deductions——————————————— _______
Net Income————————————————— _______
Look
over all the information you have gathered together.  Do you get interest on any checking or
savings accounts?  Do you have any money
market accounts, CDs, or other interest-bearing accounts?  If so, list the interest received from these
as your income.
Do
you have a side job like babysitting, preparing taxes for others, mystery
shopping, direct sales (like Avon or Tupperware)? 
Do
you have what some people call side hustles like Uber or AirBnB? 

In short, have you listed all sources of income
that you receive regularly, even if it is only once or twice per year?


 

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.
Please Visit My Child Bride Suzanne’s Blog



 





 

 

 

 

 

 

 

 

I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!




Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.




Always consult a professional before you act on any of the information you find in this course.  

 

 

 

 

 




Do you have a frugal recipe?  Please e-mail it to me.



 

 

 

 

 

 



Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 







Disclaimer

The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions.

There is no one right answer to any business question that will cover all circumstances.

Budgeting Income


By this time, you should have
accumulated all your financial forensic evidence and are ready to start putting
together a budget.  If you have not yet
done so, now is the time to get out the checkbook registry, get together all
bank and credit card statements, and get ready to assess your income and outgo.
Be sure you have all your credit card
statements, loan statements, and any other financial statements or documents
together.
It is best to use some type of
financial software or even a basic spreadsheet program for this.  If you do not have any of this, Google has
Google Sheets, which is a free basic spreadsheet program.  Open Office also provides a free spreadsheet
program. Start by listing all your income and/or
anticipated income.

 

Gross

Gross income is the total income you
produce.  It is everything before any
type of deductions are taken out of your check.
You will use this to calculate your tithe and savings plan.

 

Net

Your net income is what you actually
receive.  This is what is left over after
all your deductions such as federal taxes and Medicare.  Net income is the amount you will actually be
able to spend in your budget.
When David was working as a loan
officer at a supervised lender, he was taking a loan application when someone
told him, regarding their income, “De duck gets more than I do”.  This is a cute statement to state what many
of us think about the many deductions from our paychecks we have to endure.
Your income will consist of any salary,
hourly wages, or tips you receive.  Also,
include wages you earn from anything.
Get this all together and write it down.  Remember to include all income received by
both spouses in this calculation.
Gross Income from
Salary/Wages————————- _______
Tips, etc.—————————————————– _______
Rents received———————————————– _______
Royalties received——————————————- _______
Income from second job———————————— _______
Total Gross income—————————————– _______
Less deductions——————————————— _______
Net Income————————————————— _______
Look
over all the information you have gathered together.  Do you get interest on any checking or
savings accounts?  Do you have any money
market accounts, CDs, or other interest-bearing accounts?  If so, list the interest received from these
as your income.
Do
you have a side job like babysitting, preparing taxes for others, mystery
shopping, direct sales (like Avon or Tupperware)? 
Do
you have what some people call side hustles like Uber or AirBnB? 

In short, have you listed all sources of income
that you receive regularly, even if it is only once or twice per year?


 

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.


Please Visit My Child Bride Suzanne’s Blog

 




 

I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.



Always consult a professional before you act on any of the information you find in this course.  

 

Do you have a frugal recipe?  Please e-mail it to me. 

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 



Disclaimer

The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions.

There is no one right answer to any business question that will cover all circumstances.

Product Review: Roku Express Plus

As you know the main concept behind our blog How to ManageYour Monkey is saving money without having to sacrifice too much.  One way to save money is to disconnect your
satellite or cable television service.
We did that quite some time ago. 
We learned that we could save money by making a small, one
time investment in a little set top device called a Roku
The Roku is a simple device that plugs into your television
via either an HDMI cable or simply by using your standard RCA video inputs.  This couldn’t be easier.  Red to red, yellow to yellow, white to white.
This little device allows you to watch NetFlix, Hulu, Crackle, and others on your television via the internet. 
 
AND, if you have Amazon Prime, you can watch hundreds of
movies free by using your

Amazon Prime account.
There are classic television shows like the Twilight Zone.  The free shows and movies change periodically,
so what is free today might not be free tomorrow and the other way around.

There are also hundreds of free channels you can get only on
Roku.  We like to watch the Homesteading Channel.
This is a channel created by a family that wanted a more simple lifestyle.  They show different things they have learned
along the way.
There are free channels for movies, sports, news, and more.

Roku works by using your Internet connection to bring the channels to you.  You can connect via your wireless. Why pay a monthly subscription fee when you can get so much free?

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.Please Visit My Child Bride Suzanne’s Blog




 




 





Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.




Always consult a professional before you act on any of the information you find in this course.  

 

 

 

 

 




Do you have a frugal recipe?  Please e-mail it to me.



 

 

 

 

 

 



Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 






Disclaimer

The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions.

There is no one right answer to any business question that will cover all circumstances.

Changing Gears

 

So far, we have been mostly discussing the spiritual aspects
of Managing your Monkey.  We will
continue to emphasize the spiritual aspects of life, but add personal finance
to that.
Let us start this section off with a word of prayer.
Dear Heavenly Father,
Thank you for bringing us this far in life.  Help us to keep You in the forefront of our
lives and help us to honor You with all that we do in our lives.
Please help us to make the proper life decisions and to keep
You in our hearts and minds. Please help us in all that we do.
It is in Christ’s most holy and most precious name that we
pray,
Amen.
We are turning now towards personal finance.  I will be suggesting several readings along
the way.  I know that Dave Ramsey is seen
as THE financial guru right now, but let us assume that we aren’t quite ready
for Ramsey.
One must learn to walk before one can fly.  First, I will set up a little scenario.
One morning, you wake up late for work because the clock did
not go off.  The clock did not go off
because the power company turned off the power because you are months behind on
your bill and the check you just sent them bounced.
You stumble into the shower and it dawns on you that you
will have to take a cold shower because

the water heater is electric. You turn
on the shower and there is no water.
There is no water because you did not have the money to pay the water
bill.

You put on deodorant very heavily.  You go to the kitchen and grab a Pop Tart on
your way out the door.  You make it to
the car and drive to work.  You notice
that the Low Fuel light is on and probably has been for a while.  You figure that since today is pay day you
will get gas after work. By then, your paycheck should have been deposited into
your account.  Your account is overdrawn
because you have tapped the overdraft protection on your account, again.
You pull into the parking lot at work and notice several of
your fellow employees are standing around outside the building.  This is odd. You notice there is a large,
yellow X made out of police line tape.
There is a padlock on the door and a man in a federal marshal’s vest
standing beside the door.
You soon learn that the chief financial officer has
embezzled all the company’s money.  There
will be no direct deposit into your checking account.  You, and all your fellow workers, are flat
broke.
You sit in your car and try to figure out what you are going
to do.  You have already maxed out all
your credit cards.  You have payday loans
due.  You have rent, a car note,
utilities, and more, all past due.
You realize you are pretty sunk.  Right now, you can’t even afford a Total
Money Makeover.  You need a plan.
Our goal is to take you from here, down in the trenches, all
the way up through Hard-Core Poor, through the Total Money Makeover, and up to
and beyond the Millionaire Next Door.

Here is where we start. If you have been
following this course, you have already organized your home and located all of
your financial forensic evidence.  You
are ready to get started setting up a budget. 

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.
Please Visit My Child Bride Suzanne’s Blog

 

 


  I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!



Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.

Always consult a professional before you act on any of the information you find in this course.  

 

 Do you have a frugal recipe?  Please e-mail it to me. 


Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 



Disclaimer

 

The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions.

There is no one right answer to any business question that will cover all circumstances.