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Pay Less Than More

​What does it mean to say pay less than more? You can make a decision to pay less for something or pay more. Which is better for your pocket? When it comes to finances, you can save by paying less for items. If you are interested in top-notch brand items, you will pay more and will not have much savings. Let's look at some examples of paying less instead of more. I was interested in attending a concert, but the cost was too much to purchase two tickets. It is not that I didn't have the money, but I chose to forego going to the concert. I decided to listen to songs on YouTube. It may sound trivial but I did not want to pay for two tickets to a concert. I decided to forego paying for tickets and instead put what I was going to pay into a savings account. My idea of spending less will help me keep more in my account. I can apply the technique of paying less to live within my means.

Living within your means helps you spend less than you have coming in. The idea is not to spend more than 100% of your income. Most people usually spend between 110% to 120% of their income. You may ask how do you spend more than 100%. One reason is that people use their credit cards to make purchases. Sometimes, using credit cards will contribute to overspending. Scripture for living within your means is found in Proverbs 21:20 TLB (Living Bible) "The wise man saves for the future, but the foolish man spends whatever he gets". Let's be diligent about what you spend every month. Living within your means will help you not stress over your finances. Paying too much is not wise in handling your finances.

Paying less will help you create a surplus at the end of the month. With a surplus, you should be able to direct where you want the extra money to be used at the month's end. It's good to be able to point your extra money to pay off debts or put in savings. Think about it; you can be debt free, and this can be done whenever you spend less than more. In 2 Corinthians 8:14 (NIV) "At the present time your plenty will supply what they need, so that in turn their plenty will supply what you need. The goal is equality".

When purchasing a car, ask God for wisdom on the type of car to purchase so you can spend less and not overspend on automobile expense. You want to be able to afford the car note. Review your budget and determine how much you should spend on a new car versus a used car. Automobile expenses are the next highest debt, followed by mortgage. Auto loans can cost more if you don't research for the best cost. Look into the cost of a used car with fewer miles. Always do your homework when purchasing a car and do not overspend.

Get into a habit of paying less when you purchase any items. Live within your means and spend less. God has a plan for you, and His plan is to Jeremiah 29:11 NIV: "For I know the plans I have for you," declares the Lord, "plans to prosper you and not to harm you, plans to give you hope and a future". God is good. Receive the blessing He has for you.

Grace & peace,

Meliton Barron​

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