"Stop, think and pray before you pay," has a double meaning when explained by Deborah Smith Pegues in her book 30 Days to Taming Your Finances. Those who don't "pay" attention to God's teachings will overpay in every other area of their lives; first, because they will lack God's blessing, and second, because they will lack God's wisdom.
Although short at 157 pages, this book shares a vast amount of ways to save dimes and dollars. The author suggests you become a do-it-yourselfer: rake your own leaves, do your own manicures. She recommends reducing food costs: buy in bulk, cook in bulk, eat out wisely by not splitting a bill when you don't drink alcohol, and do take home a doggie bag. Buy wedding gifts whenever appliance stores have sales, so that you can get a $40 skillet for $10 instead of giving someone a $25 gift card.
Conversely, Pegues warns when you should not underspend. Pay for professionals when you need care or good advice, such as CPAs, attorneys, and physicians, rather than go to cut-rate charlatans. Also, learn to identify your emotional reasons for spending -- boredom, anger, depression, frustration, or insecurity. Get a grip on them. Furthermore, be aware that just because someone "claims" to be a Christian, it doesn't mean you shouldn't still do your research, get a reference and guarantee, and carefully check the product or service before spending your money on it.
This book has four appendices with budgets, spending records, and financial profiles. The book pulls no punches in strongly advocating biblical principles. It quotes lessons from Jesus, promotes honesty, and begins each chapter with a verse of Scripture. It's readable, pragmatic, biblically accurate, and non-threatening. Dr. Dennis E. Hensley, Christian Book Previews.com
