Thankful Thursday:

This is my first Thankful Thursday and it is funny how God works in our lives...but I have been more aware of things to be that I am thankful for.

So here goes.

I am thankful that God in his mercy and grace saw fit to send his only son to die on the cross for my sins so that I may go to heaven and live with him forever.

I am thankful that I have a husband, home, family in a country that allows me to worship the God I love.

I am thankful that God never gives up on me, that he is patient and full of mercy and grace toward me.

I am thankful for this meme that has helped me to stop and think of how thankful I am for so many things.

I am thankful for the privilege of prayer and the gift of Gods words in the Bible.

I am thankful for answered prayers and I am thankful for answered prayers that the answer is no.

Free Lip Gloss for Me! And You TOO!

Free Protege Lip Gloss

Sign up for the Napoleon Perdis club here and you'll receive a coupon for a free Protege Lip Gloss--a $25 value.

Oh my, my lips could not handle using expensive lip gloss everyday..I'll have to save this one for special occassions!

Wordless Wednesday

This goes along with the Works for Me Wednesday post below:
Mark 16:15

And he said unto them, Go ye into all the world, and preach the gospel to every creature.

Making a Budget and Sticking To It: Part 2

Do you need help figuring your total income? This may help.

Total Your Income

Your expenditures account for only half of the picture. You also need to add up your monthly income.

On a blank sheet of paper, list the jobs for which you receive a salary or wages. Then, list all self-employment for which you receive income, including farm income and sales commissions. Finally, list other sources of income, such as:

• bonus pay
• dividends and interest
• alimony or child support
• pension or retirement income, and
• public assistance.

Record net income. Next to each source of income, list the net (after deductions) amount you receive each pay period. If you don't receive the same amount each period, average the last 12.

Next to each net amount, enter the period covered by the payment -- such as weekly, twice monthly (24 times a year), every other week (26 times a year), monthly, quarterly, or annually.

Determine monthly income. Finally, multiply the net amount by the number of pay periods to determine the monthly amount. For example, if you are paid twice a month, multiply the net amount by two. If you are paid every other week, multiply the amount by 26 (for the annual amount) and divide by 12.

When you are done, total up all the amounts. This is your total average monthly income.

Coming up in part 3: Steps to making your budget