Tag Archives: financial mastery

Warning: Adventists don’t get rich!



Thanks to guest blogger for this light hearted post!

Whether I want to become wealthy, financially free or become  poorer I just need to take the same approach.  It’s all about doing what it takes consistently and sustaining that effort over time.

These are the seven actions I’ve seen work best for Adventists in the UK or anywhere else in the world as it happens.

So if you want to avoid becoming wealthy or financially free ….read on!

  1. Don’t read the Bible, especially Proverbs.  Ladies, tear out the page with the secrets of Proverbs 31 and destroy it quickly.  If you do stumble across any Gospel parables, discount all of Jesus’ parables about money.  Tell yourself these parables are only talking about skills and personal talents, not financial management. And shun anyone who shows you bible-based information on wealth.
  2.  Avoid all workshops or seminars that share bible-based money management like the plague.  Be very suspicious of all experienced presenters that are willing to share practical information about money management with you… they must surely be dodgy characters.
  3. Avoid organising a Stewardship Day to share bible-based money management – in fact avoid Stewardship altogether.  Members aren’t interested and don’t need it. But if you are ever forced to run a Financial Stewardship session,  make sure you never include any personal development information; make the speaker just bang on about Tithe or your church Building Fund.  Guilt trip members by telling them God is not pleased. Then quote Malachi 3:10 and remind them “money is the root of all evil so get rid of it by increasing your giving to the church”.
  4. Never ask any questions or do independent investigation of shady deals,  suspicious business or investment opportunities  – if it’s too good to be true, suspend all scepticism… go for it.  What’s the worst that could happen??  And when you do lose your shirt on the scam – blame your pastor, the local church, the Conference Treasurer.  Everyone. Loudly.
  5. Then double down and play the lottery.  For a lot of money. Consistently. Keep your tickets in the Bible… for good luck.  Or take out a high interest debt ‘in faith’ with no way to pay it back… the Lord or the Conference office will provide.   Delay getting any help until the date of any court date… then call the Conference office – a problem shared is a problem halved, not so?
  6. Never be accountable for or do ANY financial housekeeping.  Never save money for a ‘rainy day’. Ever. That is what your local church’s Samaritan Fund is for.  And if you have children, never teach them any money management tips either – you need them to be always financially dependent on you.
  7. Live in the now – don’t prepare for the future.  Never learn how to maximise your income or reduce your expenses. Tell yourself Jesus will come in your lifetime so don’t plan for retirement. On no account make a Will.  Not only can it mysteriously cause you to drop dead earlier than expected, but you definitely don’t need clear plans that state your wishes, leave any security or give inheritance for “your children’s children”  (Prov 13:22 – oops, I’ve slipped up…)

On 12 January 2014 many members in the South of England, UK  attended the “SMARTER Finances” Workshop at the annual SEC Expo, held at Newbold College.  The aim was to share resources to help volunteers in Stewardship and Finance teams in their local churches.

In the  SMARTER Finances workshop we covered:

  • The common myths about money and explained how anyone can have SMARTER Finances.
  • Explain why you do what you do with your money
  • Show how  SMARTER Finances Clubs help members on the Wealth Life Cycle.
  • Shared great stories and tips from other members.

More information on how I got on in another blog!

Deborah Harris is a chartered accountant, board director of DHUA Limited and a Platinum πτο Sorority sister.

Know any other good reasons for not becoming wealthy?  Please share!


Get up and start!

Get up and start!

“You don’t have to be great to start, but you have to start to be great…” Zig Ziglar

“Footprints on the sands of time can’t be made by sitting down… ” Unknown

“Obstacles are those frightful things you see when you take your eyes off your goal.” – Henry Ford

Beyond Black Friday: 5 tips for staying in the black…

“Definitions of Black Friday

1. On 24 September 1869, US financial markets crashed following a failed attempt by traders to corner the gold market. This led to a depression.

2. In a more general sense, is used to represent a Friday in which a public disaster or calamity occurs.

3. More recently, the term Black Friday has been used by retailers in the United States (and is growing in usage by retailers in the UK as well) as a positive. It represents the starting day for End of Year and Christmas shopping. This is usually after the Thanksgiving Holiday season in the United States in which retailers make enough sales to forecast that their annual results and profits are positive ie in “the black.”

Corporate Finance Consultant, DHUA Ltd

Planning and shopping for festive season does not mean you need to go into the red..

Planning and shopping for festive season does not mean you need to go into the red..

Isn’t it interesting to see how the term Black Friday has been turned from a negative to a positive?

In the United States it has long been used as encouragement for retailers who see their huge sales as customers stock up on gifts, food and other entertainment ahead of the End of Year and Christmas holiday season.

We tend to ask: ‘Well, if the retailers are ‘in the black’ then customers help them get there by running around getting more at risk of going ‘into the red’ by over spending, maxing out the credit cards or buying masses of stuff on Storecards?

Remember, the turkey is just for Christmas, that store/credit card bill and loans will all last a lot longer and cost a lot more.

Some tips for enjoying the festive season without giving your financial spending plans indigestion:

  1. Why not wait until after the festive season to pick up bargains in the New Year Sales
  2. Only buy what you need, not what you want (or everything you see), for the festivities
  3. More and more people are trying their hands at hand-crafted gifts.  If you have a talent and passion for this, why not start now and create unique gifts instead of mass produced, shop-bought items?
  4. Bulk purchase retailers can offer bargains – buying in bulk with other shoppers in your family/ friendship circles can really cut down the cost of individual items
  5. Discount stores offer great purchases at great prices and are always worth a look

Whatever you choose to do keep your head around all this Black Friday buzz and plan for a wonderful festive season!

Onwards and upwards

3 signs you’re heading for a financial meltdown: Part 1

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As we come to the close of another year, and the world gets into the swing of end of year celebrations, it’s time to reflect on what’s facing your finances as we head towards 2014.

It’s clear that we will need to continue to need to balance the challenge of efficiently managing your day to day finances with the same or better effectiveness and also have an external focus on helping to create the wealth and savings you and your loved ones need to prosper.

If you were born in the 60’s or 70’s a recent study indicates that, unless you are due to get an inheritance, you will probably be ‘poorer’ than your parent’s generation because the cost of living is going up faster than salaries and other income.

Affordable and sensible finance plans must therefore be your new reality. If you are going to have any chance of re-balancing your books, plans to adjust by becoming more proactive with your financial plans and ‘doing more with less’ (or ‘doing less for less’) – is the only way to get fit for the financial future.  It will also mean you start to focus on how to achieve what you need and start to get what you want along your wealth cycle journey.

At the latest P31 Sorority meeting, members discussed and shared  the three main issues women (and men) often fail to deal with to make sure they can avoid the road to financial meltdown:

  • You don’t Set a Priority – insufficient attention is often paid to deciding in an objective and critical way what you really should be in the business of doing – your purpose.  When you fail to do this, you risk gathering a legacy of activities that are not relevant to your current needs or where you want to go in life.
  • You don’t measure and celebrate your Progress – unlike in  work or diets, often we do not set out progress measures in a well developed way.  This leads to focussing on vey high level outcomes than can often look daunting and unachievable. Rather, pick a few specific areas that show an understanding of what financial activity or objectives you are trying to achieve, and that will function as your programme of how you will do it.  Commit to regular and objective review of your progress and ask for help if needed.  Joining a group of likeminded people like the P31 Sorority can boost your success rate.
  • You don’t align your financial goals to the rest of your life goals  – regardless of your financial status at the moment, your  capacity to connect your financial strategy and execute it is often limited if it is not matched to the other goals you have in life.  This mis-match creates a a confused approach to your money, or worse,  you tend to have high aversion to risk,  a reluctance to drive forward any wide-ranging changes you may need in your life, and risk a life of unmet expectations in your  financial and personal relationships as well as in service to your local community.

As noted in earlier blogs, everyone, but women in particular, have an important role to play in creating a foundation of good money management through using the simple skills and practical tips from life –  this is as much a  priority for your business or employed life as it is for your personal goals and relationships.

All of this also needs to be achieved while improving your quality of life and living standards.

This can sometimes means taking a hard look at the relationships that hold you back and cost you in terms of time and effort as well as money… and then tackling them.

We’ll look at how to handle these impossible people in the final part of this blog later this month.  But whilst you are waiting why not add a comment or thought that has struck you when you read this blog – comments are always most welcomed and thanks for following this blog

Until later then, onwards and upwards!

Handling Your Money: Are You Really Walking the Talk?


Over the last few months we’ve offered an independent survey for church members to volunteer and respond to five simple questions.  These questions ask how aware you are about your current financial status and circumstances.

The results (above) make for interesting reading…..

Over half of the people who took part in the survey so far say then have a pretty good handle on their finances.  That’s great!

However, in the sessions and discussions that followed, many admitted to struggling with making the next step ie to ‘access the power’ through effective planning so that they can achieve their financial goals.  That’s the real challenge…

Attend one of the FREE Access the Power (ATP)  “SMARTER Finance” Seminars – These lay-member led, bible-based seminars are held in local churches as part of the Financial Stewardship for members. These seminars  support church groups and have been annually since 2004.  Most seminars are run from April – December.  The first quarter of the year is used for workshops and practical support sessions for members new to the programmes.

If your church has never participated or held one of these sessions, show this blog to your Stewardship Co-ordinator and ask him/ her to arrange a session for your church group within your Stewardship Day programme this year.

“SMARTER Finance”  sessions are open to all participating church members in any Seventh-day Adventist church group in the UK.  A number of local church groups in England already this session for basic financial literacy as a Stewardship Day whilst others use the weekend workshops or one-day seminar services for both the church and local community outreach.

For more information or to arrange a programme at your local church click here – (this will take you to the feedback form on this blog)


The book of Proverbs is a fantastic way for you to start gaining some of the basic understanding of how successful people approach managing credit, business, wealth and finances. One chapter a day and you have covered the whole book in a month!  It’s never too late to start now.

For ladies in the UK, see our blogs on Proverbs 31 for secrets on successful living , business and financial success.  And see the Sorority created just for you, by women just like you PI TAU OMICRON (Π Τ Ο).

For ΠΤΟ sisterhood eligibility criteria click here.

We’ll continue to update and share the overall survey results right here in this blog.

In the meantime, why not share your own tips on your experiences in moving your financial goals forward.

Onwards and upwards!