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                    		| Steve Diggs presents the No Debt No Sweat! Christian Money Management Seminar at churches and other venues nationwide. Visit Steve on the Web at  
                    		    www.stevediggs.com or call 615-834-3063. The author of several books, today Steve serves as a minister for the Antioch Church of Christ in Nashville. For 25 years he was President of the Franklin Group, Inc. Steve and Bonnie have four children whom they have home schooled. The family lives in Brentwood, Tennessee.
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                    		|   A complete financial compendium, 19 chapters• What you can do today to get out of debt and kill the Debt Monster
 • A,B,C's of handling your money God's way
 • How to save, invest, and retire wisely
 • How mutual funds work
 • How to stop fighting over money
 • What to teach your kids about money
 • Learn how home & car buying, college financing and insurance work.
 • How to develop a budget that works -- forever!
 • Features simple charts, graphs, and easy-to-use forms.
 Click here to learn more or to order.
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                    		|  |  |  no debt no sweat! Should Mom Take An Outside Job? 
 CBNMoney.com 
		  There was never too much that made  my mom angry.  But, if I told you her  age, she’d probably hire a hit on me.  I  guess it’s just something about Southern ladies of that generation—they don’t  miss beauty parlor appointments and they don’t discuss their age.  Soooo, suffice it to say, Mama lived long  enough for her “three score  and ten” to be a vague, distant memory.   Thankfully, the Lord gave her good health for most of those years.        
		  However, the past  few years have been pretty tough.   Several times she became so sick that we were afraid we might lose  her.  But, just like the Phoenix, Mom pulled  through each time.  She would describe  her improved condition by saying that she finally felt safe buying green  bananas again!          
		    On February 15 of  this year, Jesus relieved Mom of her suffering and brought her home.  For us, it wasn’t as much a funeral as a  graduation ceremony.        
		  Because of her  struggles, the last couple of years have been filled with a lot of poignant  moments for me.  On a number of occasions  I wandered through her house and remembered good days of childhood.  I couldn’t begin to tell you how many  afternoons Mom and I sat together at the round table in the kitchen after  school.  She seemed to always be at home  when I came through the door.  Usually she  had cookies and Kool-Aid or an RC Cola ready.   She always had time to sit and listen as I told her about my day.        
		  Mom was always  good at building memories, too.  She  instinctively knew what made a little boy’s eyes twinkle.  The other day my mind trailed back to the  time Mom helped me build a fire engine in the back yard.  Equipped with an old washing machine hose,  I’d hang my head through the kitchen window and extinguish imaginary fires.  She always had  time to talk (and listen) to a little guy who was just beginning to size up the  world around him.  I still smile when I  remember the trip to the forest behind our home.  We sat on a fallen log and shared homemade  brownies—and great conversation.
  Even as a  teenager, my mother intuitively knew that I still needed her mentoring.  She always had time to go for rides in the  car with me—and listen to my dreams.   There were some difficult times through those years, but Mom was always rock  solid and available.  She stayed involved  in my life, and was never shy about giving her opinion.  And, if that opinion needed re-enforcement,  she could flip open a chapter and verse proof text faster than I could say,  “Give me a break, Mom!”  
           Early Choices That Make Big DifferencesMy parents made a  tough decision when they decided that Mother would stay at home and be a  full-time Mom.  They had all sorts of  pressures to do otherwise.  For one  thing, Mom had distinguished herself in the professional world.  Her old employer was always inviting her to  come back.  Add to that the fact, that my  folks really could have used the money.   My dad’s insurance business was young.   It would be years before it got of the ground.  The cost of financing a young family in those  post-war years was a real strain.  So, my dad simply  decided to pay the price.  He left  earlier, skipped lunches, and worked a little later than my friends’ dads.  At the time I didn’t understand why, but now  I’m glad he did.  You see my mom and dad  were a team.  And the number one goal in  their lives was to raise three children in a secure, loving, Christ-centered  home.  To them, that meant that Mom would  be there 24/7.  They saw the job of  mothering as primary.  Nothing else came  first.    Dad passed away  eighteen years ago.  But I know that if  he were here today, he would agree with Mom that it was one of the best  decisions they ever made.  I’m thankful  to the Lord that Shirley, Sharon, and I had a Full-time Mom! The Calling  Today,  the average worker in America  spends nearly 77,000 hours on the job over a lifetime.  That’s a lot of time!  And the fact is, no one can be in two places  at once.  So the question is, where do  you want to invest that time?  Where will  it be most beneficial?  Where will it do  the most good?  When life comes to an  end, I’ve never known anyone to say, “Boy, I wish I’d put in more hours  building my career.”  But, many people  have spoken regretfully that they didn’t log more time with the  family—especially when the children were small and needed them the most.  Those early years are so important.  Experts estimate that 85% of people who  accept Christ do so before age fifteen.  Author  and psychologist, Dr. James Dobson has blessed millions of people with his  advice and insights for over three decades.   Through a relationship that a firm I once owned had with Dobson’s Focus  on the Family, I have grown to respect both the organization, and the man  behind it even more.  They are soldiers  on the front line defending the cause of the traditional family.  When Dr. Dobson speaks, I listen.  In his clear, succinct way, he summed the  importance of children up this way:  “Children  are not casual guests in our homes.  They  have been loaned to us temporarily for the purpose of loving them and  instilling a foundation of values on which their future lives will be  built.”      To  this day, my sisters and I are still reaping the benefits that came from my  mother’s decision to stay home to raise and nurture us.  Our parents realized that a mother’s role was  far more than a job—it was a calling of the highest order. Why Women WorkWith  the benefits of staying home so great, one has to ask, “Why are so many women  leaving home and hearth for the job market?”   From what I’ve seen, I believe there are at least five reasons mothers  go to work: 1) Search for Fulfillment and Challenge.   Some women simply are not convinced that staying at home with their  children maximizes their skills and talents.   Women in this group often fall into one of two categories:  High achievers who want the challenge of the  marketplace; and women who feel under appreciated by their husbands.  A couple of thoughtless remarks by a husband  about how he is the one bringing home the paycheck can destroy a woman’s self  respect.  Suddenly, it isn’t just the  society around her that’s minimizing her value—it’s also her own husband!  Value is not based on the number of dollars  earned.  It is based on the good that is  accomplished.  Loving husbands need to  keep their wives reminded of the value they bring to the family by nurturing  and training their children.  Now, a word to  that first group of achievement-oriented women:   There is nothing wrong with you!   Please don’t misconstrue any of my comments as being critical of women  who are highly talented and capable.  God  made you that way.  It’s a gift to be  embraced and used to His glory.  Many  Godly women in this category have found ways to meet both their children’s, and  their own, needs.  Today, it’s easier  than ever before. Many such women have started successful home businesses that  provide the challenge of the marketplace while allowing them to be with their  kids.  If you are one of these women—go  for it!  After all, you have good  Scriptural precedent.  Take a look at the  woman in Proverbs 31:10-31:   “An excellent wife, who can find?   For her worth is far above jewels.   The heart of her husband trusts in her, and he will have no lack of  gain.  She does him good and not evil all  the days of her life.  She looks for wool  and flax, and works with her hands in delight.   She is like merchant ships; she brings her food from afar.  She rises also while it is still night, and  gives food to her household, and portions to her maidens.  She considers a field and buys it; from her  earnings she plants a vineyard.  She  girds herself with strength, and makes her arms strong.  She senses that her gain is good; her lamp  does not go out at night.  She stretches  out her hands to the distaff, and her hands grasp the spindle.  She extends her hand to the poor; and she  stretches out her hands to the needy.   She is not afraid of the snow for her household, for all her household  are clothed with scarlet.  She makes  coverings for herself; her clothing is fine linen and purple.  Her husband is known in the gates, when he  sits among the elders of the land.  She  makes linen garments and sells them, and supplies belts to the tradesmen.  Strength and dignity are her clothing, and  she smiles at the future.  She opens her  mouth in wisdom, and the teaching of kindness is on her tongue.  She looks well to the ways of her household,  and does not eat the bread of idleness.   Her children rise up and bless her; her husband also, and he praises  her, saying, ‘Many daughters have done nobly, but you excel them all.’  Charm is deceitful and beauty is vain, but a  woman who fears the Lord, she shall be praised.   Give her the product of her hands, and let her works praise her in the  gates.”
 Wow, what a  gal!!!  This lady blessed everyone in her  family—and ran a successful business to boot!   Her focus was on her family—9 of the 22 verses refer directly to her  work at home.  In addition to being a  partner to her husband (vv 11, 28, 29), she ran a real estate and farming  business, and she was in the garment industry (vv 16-18, 24).  This was one goal-oriented, success-focused  woman!
  2) Social Pressures.  Often, women  who otherwise would love to be with their children, become convinced that they  should remain in the job market.  Society  and the media present a compelling case for not accepting a more traditional  approach to child rearing.  There seems  to be a massive effort afoot to minimize the damage done to children whose  mothers leave home.  The message comes  through loud and clear that today’s woman can capably nurture kids and do  battle in the workplace.  I have yet to  see convincing data to support this.   3) Money.  Many women (and their  husbands) are convinced that they both must work to earn enough money to fund  the family.  Certainly, there are those  occasions where a mother must work just to make ends meet.  But here’s where the rub comes.  We are saturated in a culture that confuses  legitimate needs with wants and whims.   One of the downsides of prosperity is that it causes a societal-wide  lust for the “good life”. Television,  advertising, and even our friends, convince us that we need far more  than we actually do.  So, persuaded that  we have to keep up with the Joneses—it’s off to the “Second Income Races”.  And left behind, holding the bag—are the  kids.    Personally, I question whether a greater good is  accomplished when Mom is separated from her children in order to earn more  money for “needs” like cable television, an extra car, piano lessons, elite  private schools, designer cloths, and vacations.  4) Lazy Husbands.  In recent years, I have noticed a disturbing  trend:  Men, who themselves were raised  by absentee moms, are pressuring their wives to “bring home the bacon.”  It hurts me to even have to acknowledge the  fact that there are Christian men who insist that their wives to go to work  outside the home.  As the head of the  household, it is primarily the man’s responsibility to provide for his  family.  To bottom-line it, Dad is  responsible for going out, killing something, and dragging it home!  I would encourage Christian men to help their  wives stay at home.  Work extra hours,  take a second job, skip the golf games, cut back on your lifestyle—but try to  help Mom be with the kids. 5) Legitimate  Need.  So that I don’t broad-brush  this issue unfairly, let me clarify my point.   I’m not suggesting that it’s always wrong for Mom to go to work.  But I do think it should be a last  alternative after every other option has been explored.  There are dire situations where Mom has to go  out of the home.  Husbands die, some  become disabled, and sometimes they run off.   I recently heard the heartbreaking story of a family who had gotten into  such horrible financial distress that the only way to avoid bankruptcy was for  the mother to get a short-term job.   There are legitimate reasons for Mother to leave home for a job.As a  Christian couple, yours is a difficult task:   You must honestly appraise your motives.   Why is Mom taking a job that will remove her from the kids?  Is it out of real need—or, are there other  objectives?  Bring the question before  God.  Ask Him for counsel and  direction.  Ask Him to help you see it  from His eyes, instead of the world’s eyes.   Seek His face.  Commit your ways  to Him, and accept His direction.   
 
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