__One of the simplest ways to stay out of credit card debt is to save for major purchases. By planning ahead and saving for things you know you’re going to need or want in the future, you avoid having to borrow. Taking certain steps can make this a lot easier.__

You might be thinking, “Save for things I’ll need in the future? Isn’t that what my emergency fund is for?” Actually, no, it isn’t. Saving for expected, major purchases is sometimes called a “sinking fund,” a term borrowed from the business world.

It’s a pool of money you regularly contribute to so you’ll eventually have the cash you need for an upcoming big-ticket expense, like a vacation, a new car or home repairs. 

You’re actually “paying yourself” to delay that purchase because your savings will accrue interest. Compare that to putting the purchase on a credit card with a sky high interest rate, where you’re paying to use someone else’s money for a time. By grasping this concept of delayed gratification, you’ll save yourself a lot of money over your lifetime.

You also won’t be tempted to tap into a retirement account for a major purchase. That is extremely expensive money. You’ll have to pay taxes on anything you withdraw and possibly a penalty. That money is intended for another major purchase, your retirement! 

So what’s the best way to save for your big ticket item? First, you need a goal. For example, if you know the house will need a new roof in the not-too-distant future, and it will cost $7,500 or more (which is typical these days), that becomes your goal.

__Next, look at your budget to determine how much you can pull each month from other categories to go toward your new roof. Let’s say that’s $500. Divide 7500 by 500 and you get 15. That’s how many months it will take to save up enough cash to replace your roof.__

It’s okay to start small. If you can’t put away $500 a month, start with $100. But begin looking for ways you can increase that amount by cutting your expenses. Be flexible. It’s okay to adjust your savings as needed, just keep in mind that you want to reach your goal as soon as possible.

You might think it’s silly, but you can also start a change jar if you still use cash on a fairly regular basis. Empty your pockets or wallet into a one gallon jar or jug and forget about it. When it’s full of mixed change, you’ll have roughly another $400 toward your goal.

For the rest of the cash you’re saving, you’ll want to open a special savings account at an online bank to get the best interest rate. If this special purchase is several years away, you can put some of the money in CDs to earn more interest. You should ladder CDs, so that one is coming due every 6 months or so. As you near the target date for your big purchase, cash out the CDs and put the money back into savings.

__Those are some tips to help you save for a major purchase. We hope you find them useful and when you reach your savings goal, let us know. We’d love to hear how you did it.__

FaithFi

Articles

By planning ahead and saving for things you know you’re going to need or want in the future, you avoid having to borrow.

Saving for Major Purchases

__The ripple effect__

> “[T]he significance of the failure of SVB (and Signature Bank) is less that it portends additional bank failures and more that it may amplify preexisting wariness among investors and lenders, leading to further credit tightening and additional pain across a range of industries and sectors.”

*– Howard Marks, co-chairman of investment firm Oaktree Capital Management, in his latest memo. Read more at [bit.ly/3N6WcfE](http://bit.ly/3N6WcfE).*

__Signal vs. noise__

> “Good investors understand that bear markets and volatility are part of where returns come from; these long-term investors have learned that riding them out is their highest probability approach.” 

*– The Big Picture blogger Barry Ritholtz in a 4/24/23 post. He warned against focusing on “the 20% bull/bear frame of reference,” calling it “noisy nonsense.” Read more at [bit.ly/3AtwDxS](http://bit.ly/3AtwDxS). *

__What happens after a bad year in the market?__

> “This is what makes investing in the stock market so confusing in the short-run — you can always talk yourself into the glass being half full or half empty no matter the direction of the market. It’s also why it pays to be a long-term investor when it comes to stocks. Bad things can and will happen in the short-run and nothing is guaranteed to investors in risk assets. But good things tend to happen when you have a long-term mindset in the stock market — as long as you’re willing to endure some pain in the meantime.”

*- A Wealth of Common Sense blogger Ben Carlson in a 4/23 post. He noted that bad years in the market tend to be followed by good years, but not always. Read more at [bit.ly/3LvsHmC](http://bit.ly/3LvsHmC).*

__Staying on the path in retirement__

> “Retirees who are willing to be even a little bit flexible about their withdrawals can generally take a higher starting amount — and in turn higher lifetime withdrawals — than those who are wedded to a fixed real withdrawal system.”

*– Morningstar director of personal finance Christine Benz in a 4/14/23 article. She and several colleagues recommend a “guardrails system” for taking retirement portfolio withdrawals. Read more at [bit.ly/43YXAXz](http://bit.ly/43YXAXz).  *

*[Image ](https://soundmindinvesting.com/img/asset/Y2xvdWQvbnFhLXJldGlyZW1lbnQtMS5qcGc=?fit=crop-52-53-1.3&w=1660&h=896&s=1a09de8469c16b5b8a7547ba338d5d26)used with permission.*

Since 1990, do-it-yourself Christian investors have relied on SMI for proven strategies and trustworthy guidance.

Sound Mind Investing

Retirement

4 quotes to ponder from investing experts that will help you stay focused on your retirement goals.

Staying On The Path In Retirement and Other Points to Ponder

__If you are considering your options for schooling your children, or if you already homeschool, one factor that will always come up is finances. Homeschooling can be an expensive venture, but it doesn’t have to be. You can provide your kids with a high-quality education without breaking the budget. Check out these 7 ways to save money as a homeschooling family.__

#### 1. Pick a style.

Before you jump in and buy materials, you want to make sure the style of curriculum matches how you want to teach and how your child learns. Most publishers offer free samples and placement tests on their websites. Think of this like trying on clothes before you buy them. In most cases, publishers of homeschool curriculum do not accept returns. So, this step is crucial for saving money.

#### 2. Avoid the flash.

There are hundreds of options for homeschooling. This can lead many families to spend more than they intend. It can be easy to see the full color, flashy, school-in-a-box curriculums as the best option. While those curriculums certainly have their place, rest assured that your child can learn just as much from the other options. If you are really drawn to the visually exciting curriculums and feel they are the best option for your child, consider purchasing one subject from that publisher instead of all your subjects to save money.

#### 3. Buy used.

Just like buying a used car, it can be a good idea to purchase used curriculum and books. There are multiple Facebook groups, many of them publisher specific, just for this purpose. eBay, Thriftbooks, and Paperback Swap are also great options. Be sure to check publication editions to ensure that all materials for a subject match.

> Just like buying a used car, it can be a good idea to purchase used curriculum and books.

![](https://static.wixstatic.com/media/978a5c_b885e9e001f4453abfd63dad6d772195~mv2.jpg/v1/fill/w_1108,h_738,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/978a5c_b885e9e001f4453abfd63dad6d772195~mv2.jpg)


#### 4. Be generous.

Being generous may not be your first thought when it comes to saving money, but generosity is a great way to keep the cost of homeschool down for the entire homeschooling community. When you let another member of the local homeschool community borrow your old books, you will begin to build, or join in with, a great money-saving network. Generosity is contagious! One thing to note here is copyright law. It is a great idea to share a non-consumable curriculum but most all consumable curricula do not allow for copies to be made or for the material to be used by more than one student. Be sure to check with each publisher for the copyright on their specific material.

#### 5. Reduce, reuse, recycle.

As you go through your homeschooling journey, it can be tempting to buy new supplies each year just like your public and private school counterparts. Everyone loves a fresh box of crayons. One of the best ways to save money homeschooling is to avoid the school supply isles in August. Before buying any supply, ask yourself if the item is a need or a want. If you have a needed supply, get creative and think about how you might reuse something you already have to fill that need. Once a year, go through your supplies so you know what you have and what you might need.

Another way to reduce materials needed specifically for school, is to incorporate school into family life. Are you studying people and cultures that helped in the development of the railroads in America in your history book? Let those cultures influence your dinner menu for the week. In this way, you enrich the learning and save your budget because you were already going to eat dinner. Looking for teaching moments throughout your day you can reduce your need for additional curriculum and supplies.

#### 6. Ask for the discount.

Seriously, just ask! Many retailers in-store and some online offer discounts that are available to homeschoolers. These discounts aren’t just available on curriculum, but also on items like craft supplies, books, and even Macbooks. If there is no publicly available information about a homeschool discount, ask if the teacher discount extends to homeschools.

#### 7. Use dual enrollment for high school.

If your child is in middle school or high school you are probably looking ahead to college. If you have a college bound student, or just want help teaching that elusive high school math, consider using dual enrollment. The rules and regulations on this vary by state, but others in your homeschool community can help you navigate the system. Check out [homeschoolingforcollegecredit.com](http://homeschoolingforcollegecredit.com/) to find an abundance of resources that will help get you started.

Whether you are on your first or tenth year of homeschool, it’s always a great time to save money while still providing your student with a high-quality education.


*[Images](https://static.wixstatic.com/media/978a5c_b885e9e001f4453abfd63dad6d772195~mv2.jpg/v1/fill/w_1108,h_738,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/978a5c_b885e9e001f4453abfd63dad6d772195~mv2.jpg) used with permission. *

You were meant for more. Your money was meant for more. You and your money are meant for an exciting, adventurous, and satisfying purpose. You were designed to live and give generously. And deep inside you know this and want this.

Christian Money Solutions

Savings

It can be an expensive venture, but it doesn’t have to be. You can provide your kids with a high-quality education.

7 Ways to Save Money as a Homeschool Family

__There are a variety of financial tools and calculations available that can help you better understand your financial standing. You probably have heard the term “net worth” used at some point. This is a financial tool that can provide you with some important information about your finances.__

Here’s what you need to know about your net worth.

#### 1. Your net worth considers your assets.

To calculate your net worth, you subtract your liabilities from your assets (Net worth = Assets – Liabilities). Assets are resources with financial value. To put it simply, assets are what you own. Examples of assets include cash, investments, the value of a house, the value of a car, or any other resource of significant value.

#### 2. Your net worth considers your liabilities.

A liability is something owed. In the context of net worth, this is typically debt. Mortgages, automobile loans, student loans, credit card debt, and personal loans are all example of liabilities.

#### 3. Your net worth is a helpful indicator of your financial health.

Again, to determine your net worth, you subtract your liabilities from your assets. The result can indicate the extent of your financial health. As an example, a real millionaire is someone with a net worth of one million dollars. In terms of finances, they are usually in a healthy place.  Those who find themselves with a negative net worth are in a very financially fragile position. While a person’s net worth is not the only indicator of financial health, it certainly is not one to ignore.

> While a person’s net worth is not the only indicator of financial health, it certainly is not one to ignore.

#### 4. Your net worth can be increased by reducing debt and increasing savings.

How do you increase your net worth? You either increase your assets, decrease your liabilities, or both. Some common ways to increase net worth include reducing debt and increasing savings. These two money moves have an immediate impact on net worth.


![](https://static.wixstatic.com/media/11062b_15277962847a44639c30e2b5d652f840~mv2.jpg/v1/fill/w_1108,h_738,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/11062b_15277962847a44639c30e2b5d652f840~mv2.jpg)


#### 5. Your net worth can help you make smart money decisions.

Understanding how net worth works can help you make smarter money decisions. How? By asking, will this decision increase or decrease my net worth? Money decisions that increase net worth are typically wiser decisions than those that decrease net worth (taking on debt). Considering your net worth can also help you avoid putting too much money into depreciating assets, like cars. Depreciating assets decrease in value over time, bringing your net worth down with them. On the other hand, appreciating assets increase in value over time. For most people these will be their investments, like index funds, and real estate.

#### 6. Your net worth does not consider your generosity.

It is very important to note that net worth does not consider generosity. In fact, generosity can decrease your net worth. This occurs because you are moving cash, an asset, out of your bank account. According to Scripture, generosity is the foundation for real financial health. As Christians, we start with generosity. So, while your net worth can be an important indicator of your financial health, it is not the be-all and end-all.

#### 7. You are more than your net worth.

Whether you have a high net worth or negative net worth, it is vital to take that number in context. A person can have a very high net worth but be far from God. A person can have a lower net worth but closely walk with God. You are always more than your net worth. Your identity should not be found in a net worth statement, but in Christ. Pay attention to your net worth but be careful not find your identity in it. Use it a tool to help get you financially healthy for the sake of advancing God’s Kingdom.

*[Images](https://static.wixstatic.com/media/11062b_15277962847a44639c30e2b5d652f840~mv2.jpg/v1/fill/w_1108,h_738,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/11062b_15277962847a44639c30e2b5d652f840~mv2.jpg) used with permission. *

Knowing your net worth is a financial tool that can provide you with some important information about your finances.

What You Need to Know About Your Net Worth

Building up your savings and investments requires a steady approach. Rob West suggests something else as well: the attitude of a steward. Prudently build wealth by saving and investing with the attitude of one who is a steward over what God provides.

The Faith & Finance Minute is a great way to be reminded of God's financial principles with actionable items you can easily apply to your daily life.

Faith & Finance Minute

Building up your savings and investments requires a steady approach. Rob West suggests something else as well: the attitude of a steward. Prudently build wealth by saving and investing with the attitude of one who is a steward over what God provides.

Saving as a Steward

Saving can be the most difficult part of money management. Rob West encourages us to heed Proverbs 6 and consider the ant that stores its provisions in summer and gathers food at harvest.

Saving can be the most difficult part of money management. Rob West encourages us to heed Proverbs 6 and consider the ant that stores its provisions in summer and gathers food at harvest.

Problems Saving Money?

If you have more than you need, don’t hoard it. Instead, seize the opportunity to be extra generous in your giving. Rob West shares how to evaluate your situation.

If you have more than you need, don’t hoard it. Instead, seize the opportunity to be extra generous in your giving. Rob West shares how to evaluate your situation.

Are You Saving Too Much for Retirement?

Rob West offers a few helpful money saving ideas in the areas of gas, cash and utilities.

Rob West offers a few helpful money saving ideas in the areas of gas, cash and utilities.

Money Saving Ideas

*Time in the* market is more important than *timing the* market.

Albert Einstein once called compound interest the most powerful force in the universe. But what is it, and why is it so powerful?

Our next video in our Timeless Truths for Investing series will inspire you by showing you the increasing power that investing even modest amounts of money can have over long periods of time.
### 
### Read the Transcript:

__Jason Myhre:__ *“Remember the most powerful force in the universe. Believe it or not, the genius Albert Einstein once said this, the most powerful force in the universe is compound interest. I want to introduce this point to you by using a classic example. It’s called a very expensive cup of coffee.*

*If you’re the type of person that likes to purchase coffee out at your favorite coffee shop, chances are you’re spending about $3 on that coffee, that’s the national average. Let’s imagine instead of buying $3 in coffee, you decided to invest that amount. How much would you have after 40 years? If we assume the historical growth rate of the US stock market, it grows to more than $215,000–a very impressive amount of money. Given how little you’re investing, just $3 a day. Why does investing grow the way that it does? It’s because of something called compound interest. And I want to share with you a layman’s definition, this one comes from Benjamin Franklin. He defines compound interest this way, money makes money, and money that makes money makes money. So what we’re doing is we’re investing $3 a day instead of buying coffee. $3 a day times 365 days in a year is $1,095. That’s what goes into the account every single year. It’s growing by the growth rate, which is 6.7%. So that at the end of year one, you now have, as you can see, a little more than $1,100.*

*In year two, compound interest begins to kick in. So the first thing you do is you invest another $1,095. That’s just what you’re committed to doing, instead of buying that coffee. It gets added to what is already in the account, such that at the beginning of year two, you can see it’s about $2,100, and then the whole thing grows again by the growth rate and at the end of year two, you have about $2,400. All the following years look the same. Now, let’s walk through Benjamin Franklin’s definition here. He says money makes money. What he means is you’ve got some money in your pocket and then it makes money. How did that happen? You invested it. So he’s talking about the very first part of this, this breakdown here where that $1,095 becomes $1,100. So money makes money. Then he says, and the money that makes money starts to make more money.*

*What he means is you’re not actually taking anything out of the investment account, you’re reinvesting it, including the interest that was made the prior year, such that even the interest begins to make interest or it compounds, compounding interest. This is where we get that phrase from. Let me show you what this problem looks like if you chart it. The yellow line shows you what $3 a day looks like. The blue line shows you what $3 a day invested looks like, and what I want you to pay attention to here is the upward-sloping line. What starts out in the early years looking very humble in the later years starts to look really impressive. This is the reason why financial people in your life are always telling you to invest as early as you can because time is such a powerful force because of this compounding interest. When you’re an investor, be patient. Time is a great friend because of this powerful force of compound interest.”*


__This communication is provided for informational purposes only and expresses views of Eventide Asset Management, LLC (“Eventide”), an investment adviser. There is no guarantee that any investment strategy will achieve its objectives, generate profits, or avoid losses. Eventide’s values-based approach to investing may not produce desired results and could result in underperformance compared with other investments. Any reference to Eventide’s Business 360® approach is provided for illustrative purposes only and indicates a general framework of guiding principles that inform Eventide’s overall research process. Investing involves risk including the possible loss of principal. Past performance does not guarantee future results.__

Eventide

Insights

Albert Einstein once called compound interest the most powerful force in the universe. But what is it and why?

Remember “The Most Powerful Force in the Universe”

Not long after their two-week-old son passed away from a heart defect, the Standring family of American Fork, Utah, learned that their two-year-old daughter, Mazy, had leukemia.

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Christian Healthcare Ministries (CHM) is a budget-friendly, biblical, and compassionate healthcare cost solution for Christians in all 50 states and around the world.

Christian Healthcare Ministries

Videos

Watch this family's journey through their sobering experience when learning that their 2-year-old daughter had leukemia.

Trusting God - The Standring's Testimony

"A week after my appointment with the eye doctor, I had my MRI. I spent the entire hour praying, asking God to give me peace; whatever happened, I wanted Him to receive all the glory. After my MRI, I drove back to work, thinking that I was going to complete my shift. Just as I arrived, I received a phone call from my doctor. The MRI revealed a tumor, and I needed to get to an emergency room as fast as possible." - CHM member, Sarah LaCroix.

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Needing to get to an emergency room quickly, watch Sarah's miraculous story of how God provided for her needs.

Brain Tumor Diagnosis and Provision - Sarah LaCroix

Christian Healthcare Ministries staff member Dreama Whitlow shares her journey of battling advanced breast cancer.

Christian Healthcare Ministries (CHM) is an budget-friendly, biblical, and compassionate healthcare cost solution for Christians in all 50 states and around the world. We’re not health insurance; rather, we're the first and longest-serving health cost sharing ministry, having shared nearly $5 billion in our members’ medical bills.

CHM staff member Dreama Whitlow shares her journey of battling advanced breast cancer.