How to Budget for Yourself and Family?

This post should take no more than five minutes to read from start to finish. Budgeting for one person seems easy but reality is, budgeting for one person has its own challenges. If you’re living away from your parents’ home and living by yourself, you may be one of those type of people who doesn’t have a budget. 

If you’re living away from your parents’ home and living by yourself, you may be one of those type of people who does have a budget. When I was living by myself and away from my parents’ homes; I had a reasonable budget. I know that I’ve always wanted to be self reliant when it comes to budgeting and not relying on other sources of money other than employment. I know that I got paid from Australian government every fortnight (bi-weekly) for certain benefits for a period of time. 

When I was living in share houses with roommates in Australia and having my own room to myself; the weekly rent has included split payment for water, electricity, internet (WiFi) to other roommates in the same household. All those share houses had everyone to share common areas (kitchen - fridge and freezer, toilet, bathroom, living room, laundry room, and dining room). There was two share houses that I’ve lived at does have an en-suite bedroom (unfortunately I wasn’t blessed enough to have my own bathroom and toilet to attached to my room) but that’s okay. 

Most share houses come with first in, first serve situations. One of the challenges that I’ve mainly experienced while I was living in several share houses was providing our own plates, our own bowls, our own cups, and our own kitchen supplies (pots, pans, and other items for cooking).

The other challenge was to find out that everyone has different schedules and routines. Not everyone is at home at the same time. My roommates and I would have brief conversations time to time at home and that would be it. One portion of the household would be working while the other portion would be studying, there would be at least one person in the household who would be working and studying).

Those times was good, those brief conversations was enough to show roommates that we do live under the same roof. I’ve lived in two share houses  where communication was poor and had barely no interactions with each other. One time I came home after 4am from work; I’ve done simple quiet things to settle to get myself back at home, and eventually I fell asleep about 6am ish or so and another roommate would have just turned TV on after within thirty minutes or after the time that I fell asleep. 

I didn’t came out of my room and get angry. I learned to stay in my room and not say anything. I’ve done my best to go back to sleep. Jacob earns the main income for our household. He gets paid every fortnight (biweekly in other words two weeks). We often budget our savings and our bills including budgeting to get gas (fuel) for our vehicles monthly. 

"Every cent you own and every moment you
spend is always an investment." - Natalie Page.

I would like to share with you of some things to consider when it comes to budget one person and raising a family. 

Budgeting for one person and raising a family to consider: 

* Cost to maintain your vehicle; keep up with regularly serviced such as oil changes, keep up with tyres (tires) rotation and balance, etc. * Maybe cost of fuel/gas monthly (not necessarily) * Groceries (minimum and maximum spending a month) 

* Having one type of vehicle insurance if you own a vehicle and have drivers license * Cost of monthly (or yearly) for vehicle registration * Electricity bills (I know each month will cost differently unless you’ve a certain electricity company that charges the same amount of electricity monthly - minimum cost and maximum cost)

* Phone bill (cost of prepaid or cost of monthly or cost of yearly) * Subscriptions of channels to watch (such as; Netflix, Disney+, Discovery+, Apple+, etc) * Subscriptions to other things (such as; Amazon Prime, Spotify, iCloud storage, etc) 

* Water bill (if you pay for water where you live) * Cost of Rent weekly (or monthly), or house mortgage monthly depending on where you live 

* Cost of Jetpack (Hotspot) or WiFi monthly if you don’t want to rely on using your mobile data * Cost of medical bills (sometimes it hard to budget around medical bills)

There’s other things that I didn’t mention and I hope that you’ll figure those things out yourself. In my household, I also like to get some things in bulk and I would like share with you a different post on savings tips (including share some of the things that I do get in bulk) another day. 

Stay Tuned. 

Trail of Your Faith

What type trails do you face? This post should take five minutes to seven minutes to read from start to finish. This post focuses on highlights from a General Conference talk found in October 2012 and it’s called “Trial of Your Faith” by Elder Neil L. Andersen. 

Elder Anderson mentions;

“… The gift of faith is a priceless spiritual endowment. “This is life eternal,” Jesus prayed, “that they might know thee the only true God, and Jesus Christ, whom thou hast sent.” Our faith is centered in God, our Father, and in His Son, Jesus Christ, our Savior and Redeemer. It is bolstered by our knowledge that the fulness of the gospel has been restored to the earth, that the Book of Mormon is the word of God, and that prophets and apostles today hold the keys of the priesthood. 

We treasure our faith, work to strengthen our faith, pray for increased faith, and do all within our power to protect and defend our faith. The Apostle Peter identified something he called a “trial of your faith.” He had experienced it. … Peter later encouraged others: “Think it not strange,” he said, “concerning the fiery trial which is to try you, as though some strange thing happened unto you.”

These fiery trials are designed to make you stronger, but they have the potential to diminish or even destroy your trust in the Son of God and to weaken your resolve to keep your promises to Him. These trials are often camouflaged, making them difficult to identify. They take root in our weaknesses, our vulnerabilities, our sensitivities, or in those things that matter most to us. 

A real but manageable test for one can be a fiery trial for another. How do you remain “steadfast and immovable” during a trial of faith? You immerse yourself in the very things that helped build your core of faith: you exercise faith in Christ, you pray, you ponder the scriptures, you repent, you keep the commandments, and you serve others.

When faced with a trial of faith  - whatever you do, you don’t step away from the Church! Distancing yourself from the kingdom of God during a trial of faith …  It is within the sanctuary of the Church that we protect our faith. Meeting together with others who believe, we pray and find answers to our prayers; we worship through music, share testimony of the Savior, serve one another, and feel the Spirit of the Lord. 

We partake of the sacrament, receive the blessings of the priesthood, and attend the temple. … When you are faced with a test of faith, stay within the safety and security of the household of God. There is always a place for you here. No trial is so large we can’t overcome it together.

… “God has commanded that the sacred powers of procreation are to be employed only between man and woman, lawfully wedded as husband and wife.” In the New Testament the Savior lifted the moral standard for His followers when He declared, “Whosoever looketh on a woman to lust after her hath committed adultery with her already in his heart.” He taught us not to condemn others, but He was unafraid to speak directly: “Go,” He said, “and sin no more.”

"Like the intense fire that transforms iron into steel,
as we remain faithful during the fiery trial of our faith,
we are spiritually refined and strengthened."

… Going to the temple frequently helps me keep a more eternal focus. It reminds me I am never alone. … Whether that will occur in this life or the next, I do not know. But what I do know is that I don’t want to do anything that will jeopardize the blessings God has promised both me and my future posterity. … 

Another friend served an outstanding mission, followed by rigorous academic training. He hoped to have a family. His trial of faith: feelings of same-sex attraction. He wrote me recently: “I am promised in my patriarchal blessing that I will have my own family someday. 

Living [the law of chastity] is a challenge, but did we not come to earth to confront challenges and to show God our love and respect for Him by keeping His commandments? I am blessed with good health, the gospel, a loving family, and loyal friends. I am grateful for my many blessings.”

… These two followers of Christ and tens of thousands like them have felt the Savior’s promise: “Peace I leave with you, my peace I give unto you: not as the world giveth, give I unto you. Let not your heart be troubled, neither let it be afraid.” Here is another trial. There have always been a few who want to discredit the Church and to destroy faith. Today they use the Internet.

Joseph Smith said, “I never told you I was perfect; but there is no error in the revelations.” The miracle of God’s hand in the history and destiny of The Church of Jesus Christ of Latter-day Saints is understood only through the lens of spiritual inquiry. President Ezra Taft Benson said, “Every [person] eventually is backed up to the wall of faith, and there … must make his stand.” Don’t be surprised when it happens to you!

By definition, trials will be trying. There may be anguish, confusion, sleepless nights, and pillows wet with tears. But our trials need not be spiritually fatal. They need not take us from our covenants or from the household of God.

“Remember, … it is upon the rock of our Redeemer, who is Christ, the Son of God, that ye must build your foundation; that when the devil shall send forth his mighty winds, yea, his shafts in the whirlwind, yea, when all his hail and his mighty storm shall beat upon you, it shall have no power over you to drag you down to the gulf of misery and endless wo, because of the rock upon which ye are built, which is a sure foundation, a foundation whereon if men build they cannot fall.”

Like the intense fire that transforms iron into steel, as we remain faithful during the fiery trial of our faith, we are spiritually refined and strengthened.

Elder D. Todd Christofferson explained what he learned from a personal trial: “Though I suffered then, as I look back now, I am grateful that there was not a quick solution to my problem. The fact that I was forced to turn to God for help almost daily over an extended period of years taught me truly how to pray and get answers to prayer and taught me in a very practical way to have faith in God. I came to know my Savior and my Heavenly Father in a way and to a degree that might not have happened otherwise or that might have taken me much longer to achieve. … I learned to trust in the Lord with all my heart. I learned to walk with Him day by day.”

... Moroni added that a witness follows “the trial of your faith.” ... With faith come trials of faith, bringing increased faith. The Lord’s comforting assurance to the Prophet Joseph Smith is the very same promise He makes to you in your trial of faith: “Hold on … , fear not … , for God shall be with you forever and ever.” 

If you're interested in reading the whole General Conference sometime in your own time, here's the link.

https://www.churchofjesuschrist.org/study/general-conference/2012/10/trial-of-your-faith

Stay Tuned. 

What Do You Pray About?

This post should take no more than three minutes to rad from start to finish. I'm grateful for prayers. 

I'm grateful for receiving answers to most of my prayers in many ways. How often do you prayer? Do you pray daily? Let me share with you what I pray about. 

I often pray about a lot of things whenever I’m seeking answers to certain questions. I know that I don’t always get answers straight away and always find answers through different ways. We shouldn’t expect to receive answers from prayers straight away. We should always expect to receive answers in the Lord’s timing. 

I often pray about my safety and protection throughout the daytime, nighttime, tomorrow - day, and tomorrow evening and for the rest of the week. I often pray about safety and protection for Jacob throughout the daytime, nighttime, tomorrow - day, and tomorrow evening and for the rest of the week.

I often pray about safety and protection for all of my children throughout the daytime, nighttime, tomorrow - day, and tomorrow evening and for the rest of the week. I often pray about safety and protection for my parents throughout the daytime, nighttime, tomorrow - day, and tomorrow evening and for the rest of the week. 

"Prayer is your personal key to Heaven." - 
Boyd K. Packer. 

I often pray about safety and protection for my siblings throughout the daytime, nighttime, tomorrow - day, and tomorrow evening and for the rest of the week. I often pray about safety and protection for my extended relatives throughout the daytime, nighttime, tomorrow - day, and tomorrow evening and for the rest of the week.

I often pray about safety and protection for my friends throughout the daytime, nighttime, tomorrow - day, and tomorrow evening and for the rest of the week. I often pray about blessing upon people who are unwell, sick and afflicted. 

I often pray about my children to grow, be healthy, and strong. I often pray about repentance and seeking forgiveness whenever I’ve done something wrong. I often pray about my gratitude for being grateful for safety and protection throughout the daytime and nighttime. 

I often pray about help me to sleep well overnight. I pray about comfort and healing whenever I need comfort and healing. Most times, I pray about the blessing upon the food that I’m about to consume. Sometimes I pray about rain where it’s needed. Sometimes I pray about help me to feel guided to be at certain area and surroundings. 

Stay Tuned.