Archive for the ‘finance’ Category


Posted: October 14, 2017 in children, finance, friendship, life, mobile phone
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The other week during one of my usual lunchtime walks, I was walking through an area where there were some benches at either side of the pathway. There were quite a few people around, and as I got a few meters away from one of the benches, I was aware that there were three children – one about 10 or 11, the other two about 14 or 15 – climbing and jumping over the bench and attempting to get onto the wall that was immediately behind the bench.

As I got closer I realised two of the kids had mobiles in their hands and seemed to be struggling to keep their balance as they climbed/jumped from bench to wall. Then as I was passing them, I heard the girl saying to the two boys, “Don’t worry I’ll take it on my phone ’cause if I smash it Mum will just need to buy me a new one”!

I carried on walking, shocked by the statement the young girl had made. To be honest it shocked me that these kids didn’t seem to value their phones. i.e. They seemed to think a broken phone was easily replaced, because they didn’t appreciate how much a replacement phone would cost their parents.

While some will find that purchasing a replacement mobile phone is not a bank breaking expense, there are many who will! Money is not unlimited to the majority of us, so we take responsibility for our belongings – we take care of them and try not to damage them.

Are we losing the ability to appreciate how much items/belongings are worth? Do our children simply see that when something breaks or they want something, the money is available to purchase it, regardless of cost?

Yes, I was saddened by what I heard these children say, but I was probably more disappointed that they hadn’t been taught to value and look after their belonging.

A few months ago I did a series of posts called ‘Slogans’. Today it’s time for another one!

In my previous “Slogans” posts, I mentioned how we all see and hear many adverts on a daily basis via advertising hoardings or adverts on the radio, television  magazines and newspapers.

Today again I want to give you some more slogans to see how many of the companies/organisations associated with them you can identify from their slogans?

  1. Taste the rainbow
  2. Get more out of now
  3. Bread wi’ nowt taken out
  4. Think different
  5. The world’s local bank
  6. You’ve got questions, we’ve got answers
  7. Beyond precision
  8. Power style
  9. Let’s make excellent happen
  10. What’s in your wallet?

So that’s the slogans, how many do you think you know?


So here’s the answers…

  1. Skittles
  2. Dell
  3. Allinson’s bread
  4. Apple
  5. HSBC
  6. Radio shack
  7. Citizen
  8. Fila
  9. New balance
  10. Capital One

There were a few tricky ones in there, so if you got them all, well done!

I’ll be doing a few more of these in the coming weeks, so keep watching the adverts and remembering the slogans!

Yes, know last Friday was Black Friday not today…or was it?

Well I guess if we’re talking about commerce, shopping and savings, yes, last Friday was definitely Black Friday. However there is another Black Friday which comes round once a year…but this one is not a Christmas time…


Eternal savings! Wow! That’s a fantastic offer isn’t, but what must we give in return?

Christ gave his all for us on Black Friday, Easter Friday, and simply asks that we give Him our all in return.

My mum used to use a phrase quite often which when I was younger I didn’t really understand. Like so many other things my Mum told me when I was younger, the older I’ve got, the more these things seem to make sense to me.

The phrase I’m referring to is one I’m sure many of you will have come across, it is

It’s not what you know, it’s who you know

I’ve certainly found in many aspects of my life that this phrase is definitely true, because regardless of how much you may be able to contribute to something with knowledge, finance, support etc, it all means nothing if you don’t know the “right” people!

Today is all about options again – I’m going to give you two items at a time, and you have to choose either the option that best describes you or which you prefer:

  1. CD or download
  2. Nico Rosberg or Lewis Hamilton
  3. Bacon roll or roll and sausage
  4. Bacon roll with red sauce or brown sauce
  5. Windows or android phone
  6. Android or apple phone
  7. Indoors or outdoors
  8. Introvert or extrovert
  9. Visa or Mastercard
  10. Biro or rollerball

A variety of questions, some about your personality, some about your preferences. Whatever your answers, together they define who you are.

In case you’re wondering here’s my answerslogo_your_preferences_final

  1. Download
  2. Nico Rosberg
  3. Bacon roll
  4. Brown sauce
  5. Android
  6. Android (though I’ve never actually had an Apple phone!)
  7. Outdoors
  8. Introvert
  9. Mastercard
  10. Rollerball

I was reminded by someone this week that only a few years ago in 2000, we didn’t have such things as iPods…how did we survive!

This got me thinking about some of the other things which are now part of modern life these days, but which have only been available in recent years. So let’s see if you can remember life before the following items were available:

  1. Wifi
  2. Satellite tv
  3. Internet
  4. Keyless entry cars
  5. Satnav
  6. Smart phones
  7. credit cards
  8. DVDs
  9. 24/7 shops
  10. Cordless vacuum cleaners

It’s hard to remember how life was before some of the above items now isn’t it? But is life better or worse now?

Central heating is great when it’s working.

heating-repairCentral heating not working means it’s cold inside in winter.

Cold makes us shiver and snivel.

Cold means we put extra layers of clothing on.

Can the heating be fixed?

Could it be costly?

Can we face another day in the cold?


Consider those who never have central heating or even a home.

Cold all the time, no roof over their head to call a home.

Change your thoughts from your own broken heating and instead pray for those who don’t have no place they can call home.


Are you looking for simple ways to encourage your heart and nourish your soul?

In the last while I’ve given you some ideas which will hopefully inspire you to implement them in your own life, and over the coming weeks I’ll share some others with you.

So here’s today’s suggestion:

Create a personal growth plan

At the start of another year as many of us reconsider where we are in our lives and make resolutions to make changes to improve ourselves and our circumstances, it is an ideal time to create a personal growth plan for the year.

No matter what age we are or how far through our journey on earth we are, it is important to keep learning, so I want to encourage you to invest in yourself and grow this year. We can learn in every aspect of our lives, e.g. personal, relationships, knowledge, financial, spiritual, health and well-being, love, wisdom  etc, so think about the areas of your life you want to improve and consider how you will achieve those goals.

Your personal growth plan will be your template to cultivate and improve your mid and body in 2016, so that by the end of this year you will have achieved your targets for your life.

So get planning!






So that’s Christmas and New Year over, and soon we’ll all be back at work or school, and everything will be back to normal…whatever normal might be!

I’m sure many are already thinking about the big credit card bills that will soon be coming our way, or complaining about all the food we’ve consumed over the festive period (again!). Many of us will have made new year resolutions to make changes in our lives, so our lives can be “better” in 2016. So let me ask you a question about your new year resolutions, were any of your new year resolutions about your relationship with God?

Maybe God’s never been part of your life, or maybe you used to believe in God but events or people made you doubt Him and turn away from Him, or maybe you still believe he exists but just haven’t taken that extra step and given Him your heart…whatever your current relationship is with God (if any), why not make a new start with God and give Him your heart at the start of this new year.

What Now? by Steven Curtis Chapman

I saw the face of Jesus
In a little orphan girl
She was standing in the corner
On the other side of the world
And I heard the voice of Jesus
Gently whisper to my heart
Didn’t you say you wanted to find Me
Well, here I am, here you are

So what now
What will you do now that you’ve found Me?
What now
What will you do with this treasure you’ve found
I know I may not look like what you expected
But if you’ll remember
This is right where I said I would be
You found me, what now?

And I saw the face of Jesus
Down on Sixteenth Avenue
He was sleeping in an old car
While his mom went looking for food
And I heard the voice of Jesus
Gently whisper to my soul
Didn’t you say you wanted to know me
Well, here I am
And it’s getting cold 

So what now
What will you do now that you’ve found Me?
What now
What will you do with this treasure you’ve found
I know I may not look like what you expected
But if you’ll remember
This is right where I said I would be
You found me, what now?

 So come and know
 Come and know, know me now
 Come, come and know, know me now
 Oh, come and know
 Come, come and know, know me now
  Come, come and know, know me now

I’ve done a few Word Associations with you, and today, as the title of this post suggests, this word association is all about New Year and what it means to each of us. So as usual I’m going to throw some words at you  and I want you to note down the first word that comes into your mind when you read each word.

So here goes…

  1. First-footing
  2. Baby
  3. Finance
  4. Celebrate
  5. TV
  6. Shopping
  7. Food
  8. Bells
  9. Ceilidh
  10. Family

So how did you get on with those words? Did you find it easy? Did your answers surprise you or were they just as you expected?

Well here’s my responses to my questions:

  1. Midnight
  2. First baby of the year
  3. Debt
  4. Party
  5. Only an excuse
  6. Sales
  7. Overeating
  8. Midnight
  9. Dancing
  10. Together

Were any of your answers the same as mine? Did any of my answers confuse you? Did any of your own answers confuse you?

I’ve said in previous word association posts that I find I get a bit stressed when I’m doing them as I put a lot of pressure on myself not to over think my answers! Are you relaxed when you do them or do you find it stressful too?

I still believe that when we respond with the first words that come into our minds, our answers tell us a lot about our emotional state, and what’s important to us at that particular point in time.

Bearing all this in mind, review your answers, does my theory hold true?

I chose some words we probably all associate with New Year as well as some that I suspect if you’re not Scottish, you won’t understand (including some of my answers), maybe it’s time to find out a bit more about our Scottish New Year traditions!