Latest / Becoming Financially Confident / How Can I Shop Smart for School Supplies: Essentials vs. Extras?

Transcript

How Can I Shop Smart for School Supplies: Essentials vs. Extras? · Becoming Financially Confident

• 0:37
  Hey,
• 0:37
  listen,
• 0:38
  back
• 0:38
  to
• 0:38
  school
• 0:38
  supply
• 0:39
  lists
• 0:39
  are
• 0:39
  here
• 0:40
  and
• 0:40
  they're
• 0:40
  long
• 0:41
  and
• 0:41
  they're
• 0:41
  flashy
• 0:42
  and
• 0:43
  I'm
• 0:43
  going
• 0:43
  to
• 0:43
  tell
• 0:43
  you
• 0:43
  right
• 0:43
  now,
• 0:43
  trending
• 0:44
  gear
• 0:44
  is
• 0:44
  tempting,
• 0:46
  but
• 0:46
  is
• 0:46
  it
• 0:46
  necessary?
• 0:47
  Today's
• 0:48
  show
• 0:48
  I
• 0:48
  want
• 0:48
  to
• 0:48
  talk
• 0:49
  about
• 0:49
  shopping
• 0:49
  smart
• 0:50
  to
• 0:50
  get
• 0:50
  what's
• 0:50
  needed
• 0:51
  and
• 0:51
  save
• 0:51
  big.
• 0:52
  Stay
• 0:53
  with
• 0:53
  me
• 0:53
  today.
• 0:53
  I'm
• 0:54
  sharing
• 0:54
  my
• 0:54
  school
• 0:54
  supply
• 0:55
  strategy.
• 0:56
  That's
• 0:56
  we're
• 0:56
  going
• 0:56
  to
• 0:56
  cover
• 0:56
  on
• 0:57
  today's
• 0:57
  show.
• 0:59
  This
• 0:59
  is
• 0:59
  Financially
• 1:00
  Confident
• 1:00
  Christian,
• 1:01
  your
• 1:01
  daily
• 1:02
  dose
• 1:02
  of
• 1:02
  gospel,
• 1:02
  grounded
• 1:03
  insight
• 1:03
  and
• 1:04
  faith
• 1:04
  driven
• 1:04
  tips
• 1:05
  to
• 1:05
  help
• 1:05
  you
• 1:05
  break
• 1:06
  the
• 1:06
  cycle
• 1:06
  of
• 1:06
  financial
• 1:07
  shame
• 1:07
  with
• 1:07
  confidence.
• 1:09
  Hello
• 1:10
  there
• 1:10
  and
• 1:10
  welcome
• 1:10
  back
• 1:11
  to
• 1:11
  Financially
• 1:11
  Confident
• 1:12
  Christian.
• 1:12
  I'm
• 1:13
  Ralph
• 1:13
  and
• 1:13
  we're
• 1:14
  entering
• 1:14
  our
• 1:14
  next
• 1:15
  day
• 1:15
  of
• 1:15
  smart
• 1:15
  money
• 1:16
  for
• 1:16
  Back
• 1:17
  to
• 1:17
  School
• 1:17
  and
• 1:17
  Beyond.
• 1:18
  This
• 1:18
  is
• 1:18
  our
• 1:18
  new
• 1:18
  series
• 1:19
  where
• 1:19
  we
• 1:19
  talk
• 1:19
  about
• 1:20
  how
• 1:20
  to
• 1:20
  save
• 1:20
  money
• 1:21
  and
• 1:21
  get
• 1:21
  back
• 1:22
  to
• 1:22
  school
• 1:22
  and
• 1:23
  actually
• 1:23
  move
• 1:23
  beyond
• 1:24
  that.
• 1:24
  Now,
• 1:24
  if
• 1:25
  you
• 1:25
  missed
• 1:25
  yesterday's
• 1:26
  show,
• 1:26
  we
• 1:26
  talked
• 1:26
  about
• 1:26
  how
• 1:27
  to
• 1:27
  budget
• 1:27
  for
• 1:27
  Back
• 1:27
  to
• 1:28
  School
• 1:28
  with
• 1:28
  peace.
• 1:28
  We
• 1:29
  laid
• 1:29
  out
• 1:29
  the
• 1:30
  way
• 1:30
  to
• 1:30
  do
• 1:30
  that
• 1:30
  and
• 1:30
  today
• 1:31
  we're
• 1:31
  going
• 1:31
  to
• 1:31
  move
• 1:31
  on
• 1:31
  to
• 1:32
  a
• 1:32
  big
• 1:32
  conversation
• 1:33
  and
• 1:34
  that's
• 1:34
  essentials
• 1:35
  versus
• 1:35
  extra.
• 1:36
  I'm
• 1:36
  going
• 1:36
  to
• 1:36
  talk
• 1:36
  about
• 1:37
  smart
• 1:37
  school
• 1:37
  shopping
• 1:38
  and
• 1:38
  how
• 1:39
  to
• 1:39
  do
• 1:39
  it
• 1:39
  without
• 1:39
  losing
• 1:40
  everything
• 1:40
  in
• 1:41
  your
• 1:41
  budget.
• 1:42
  If
• 1:43
  you're
• 1:43
  like
• 1:43
  me
• 1:43
  when
• 1:44
  my
• 1:44
  kids
• 1:44
  were
• 1:44
  younger,
• 1:44
  you
• 1:45
  enter
• 1:45
  the
• 1:45
  store
• 1:45
  with
• 1:45
  this
• 1:46
  list
• 1:47
  and
• 1:47
  like
• 1:47
  most
• 1:48
  people,
• 1:48
  you
• 1:48
  leave
• 1:48
  with
• 1:48
  twice
• 1:49
  as
• 1:49
  much
• 1:49
  as
• 1:49
  you
• 1:49
  came
• 1:49
  in
• 1:50
  with.
• 1:51
  Because
• 1:51
  if
• 1:51
  you're
• 1:51
  like
• 1:52
  my
• 1:52
  kids,
• 1:52
  they
• 1:53
  ask
• 1:53
  for
• 1:53
  all
• 1:53
  the
• 1:53
  fun
• 1:53
  extras.
• 1:54
  I've
• 1:54
  mentioned
• 1:54
  this
• 1:54
  on
• 1:55
  yesterday's
• 1:55
  show
• 1:55
  talking
• 1:56
  about
• 1:56
  how
• 1:56
  my
• 1:56
  sister
• 1:57
  and
• 1:57
  I
• 1:57
  would
• 1:57
  do
• 1:57
  this
• 1:57
  to
• 1:57
  my
• 1:58
  mom.
• 1:59
  Like
• 1:59
  I
• 1:59
  said,
• 1:59
  I
• 1:59
  can
• 1:59
  still
• 2:00
  remember
• 2:00
  shaking
• 2:00
  down
• 2:01
  my
• 2:01
  mom
• 2:01
  when
• 2:01
  I
• 2:01
  was
• 2:01
  younger.
• 2:03
  And
• 2:03
  as
• 2:03
  a
• 2:03
  parent
• 2:03
  you
• 2:04
  want
• 2:04
  to
• 2:04
  say
• 2:04
  yes,
• 2:04
  that's
• 2:04
  what
• 2:05
  we
• 2:05
  want
• 2:05
  to
• 2:05
  do
• 2:05
  for
• 2:05
  our
• 2:05
  kids.
• 2:05
  You
• 2:06
  want
• 2:06
  to
• 2:06
  give
• 2:06
  to
• 2:06
  them.
• 2:07
  But
• 2:07
  as
• 2:08
  we
• 2:08
  say
• 2:08
  yes,
• 2:08
  that
• 2:09
  total
• 2:09
  just
• 2:09
  starts
• 2:09
  climbing
• 2:10
  up
• 2:11
  and
• 2:11
  in
• 2:11
  comes
• 2:12
  the
• 2:12
  stress.
• 2:13
  And
• 2:14
  if
• 2:14
  we're
• 2:14
  being
• 2:14
  honest
• 2:14
  with
• 2:15
  ourselves,
• 2:15
  it
• 2:15
  often
• 2:16
  leads
• 2:16
  to
• 2:16
  guilt
• 2:16
  or
• 2:17
  even
• 2:17
  budget
• 2:17
  regret.
• 2:20
  But
• 2:20
  here's
• 2:20
  the
• 2:20
  thing
• 2:20
  I
• 2:21
  want
• 2:21
  to
• 2:21
  remind
• 2:21
  you
• 2:21
  of.
• 2:22
  It's
• 2:22
  real
• 2:23
  easy
• 2:23
  to
• 2:23
  get
• 2:23
  lost
• 2:24
  in
• 2:24
  this.
• 2:25
  Shopping
• 2:26
  should
• 2:26
  be
• 2:26
  guided
• 2:26
  by
• 2:27
  wisdom
• 2:27
  and
• 2:28
  it
• 2:28
  should
• 2:28
  be
• 2:28
  guided
• 2:28
  by
• 2:29
  stewardship.
• 2:29
  Let's
• 2:29
  look
• 2:30
  at
• 2:30
  the
• 2:30
  Bible
• 2:30
  for
• 2:30
  just
• 2:30
  a
• 2:30
  couple
• 2:31
  of
• 2:31
  quick
• 2:31
  verses.
• 2:32
  I'm
• 2:32
  gonna
• 2:32
  look
• 2:32
  at
• 2:32
  the
• 2:32
  book
• 2:32
  of
• 2:33
  Proverbs,
• 2:33
  chapter
• 2:34
  4,
• 2:34
  verse
• 2:34
  7.
• 2:35
  I'm
• 2:35
  not
• 2:35
  even
• 2:35
  gonna
• 2:35
  talk
• 2:35
  the
• 2:36
  whole
• 2:36
  scripture,
• 2:36
  but
• 2:36
  this
• 2:37
  is
• 2:37
  what
• 2:37
  it
• 2:37
  says.
• 2:37
  It
• 2:37
  says
• 2:38
  wisdom
• 2:38
  is
• 2:39
  supreme.
• 2:39
  Get
• 2:40
  understanding.
• 2:41
  That
• 2:41
  cuts
• 2:41
  to
• 2:41
  the
• 2:42
  chase,
• 2:42
  doesn't
• 2:42
  it?
• 2:43
  And
• 2:43
  first
• 2:44
  Timothy,
• 2:44
  chapter
• 2:45
  6,
• 2:45
  verses
• 2:46
  6
• 2:46
  to
• 2:46
  8
• 2:46
  says,
• 2:47
  Godliness
• 2:47
  with
• 2:48
  contentment
• 2:48
  is
• 2:48
  great
• 2:49
  gain.
• 2:50
  Having
• 2:50
  food
• 2:51
  and
• 2:51
  clothing,
• 2:52
  we
• 2:52
  shall
• 2:52
  be
• 2:53
  content.
• 2:54
  Well,
• 2:54
  what
• 2:55
  is
• 2:55
  this
• 2:55
  really
• 2:55
  Saying
• 2:56
  to
• 2:56
  us,
• 2:56
  it's
• 2:57
  something
• 2:57
  we
• 2:57
  need
• 2:57
  to
• 2:57
  remind
• 2:58
  ourselves
• 2:58
  about
• 2:58
  and
• 2:59
  also
• 2:59
  remind
• 2:59
  our
• 2:59
  children
• 3:00
  about.
• 3:01
  Needs
• 3:02
  need
• 3:02
  to
• 3:02
  come
• 3:02
  first
• 3:03
  and
• 3:04
  extras.
• 3:04
  They're
• 3:05
  okay,
• 3:05
  but
• 3:05
  they're
• 3:05
  okay
• 3:06
  if
• 3:06
  they're
• 3:06
  planned.
• 3:08
  And
• 3:08
  this
• 3:08
  is
• 3:08
  a
• 3:08
  great
• 3:08
  opportunity.
• 3:09
  Hey,
• 3:09
  your
• 3:09
  kids
• 3:09
  are
• 3:09
  getting
• 3:09
  ready
• 3:10
  to
• 3:10
  get
• 3:10
  back
• 3:10
  into
• 3:10
  school
• 3:10
  to
• 3:11
  start
• 3:11
  learning.
• 3:11
  This
• 3:12
  is
• 3:12
  a
• 3:12
  great
• 3:12
  opportunity
• 3:13
  to
• 3:13
  teach
• 3:13
  your
• 3:14
  kids
• 3:14
  discernment.
• 3:15
  And
• 3:15
  you
• 3:15
  could
• 3:15
  teach
• 3:15
  it
• 3:16
  right
• 3:16
  now
• 3:17
  because
• 3:17
  stewardship
• 3:18
  applies
• 3:19
  even
• 3:19
  in
• 3:19
  the
• 3:19
  back
• 3:20
  to
• 3:20
  school
• 3:20
  aisle.
• 3:21
  So
• 3:22
  now
• 3:22
  you're
• 3:22
  saying,
• 3:22
  Ralph,
• 3:22
  I
• 3:23
  am
• 3:23
  100%
• 3:23
  on
• 3:24
  board
• 3:24
  with
• 3:24
  you,
• 3:24
  but
• 3:24
  what
• 3:25
  can
• 3:25
  we
• 3:25
  do?
• 3:26
  Well,
• 3:27
  here's
• 3:27
  my
• 3:27
  solution
• 3:28
  and
• 3:28
  this
• 3:28
  one
• 3:28
  is
• 3:28
  going
• 3:29
  to
• 3:29
  cut
• 3:29
  right
• 3:29
  to
• 3:30
  the
• 3:30
  chase.
• 3:31
  We
• 3:31
  got
• 3:31
  to
• 3:31
  create
• 3:32
  a
• 3:32
  needs
• 3:32
  only
• 3:32
  shopping
• 3:33
  list.
• 3:34
  We
• 3:34
  got
• 3:34
  to
• 3:34
  reuse
• 3:34
  what
• 3:34
  we
• 3:35
  can
• 3:35
  and
• 3:35
  stay
• 3:36
  laser
• 3:36
  focused.
• 3:38
  Because
• 3:38
  here's
• 3:38
  the
• 3:38
  truth.
• 3:39
  Shopping
• 3:40
  with
• 3:40
  a
• 3:40
  plan
• 3:41
  leads
• 3:41
  to
• 3:41
  peace
• 3:42
  and
• 3:42
  it
• 3:43
  leads
• 3:43
  to
• 3:43
  savings.
• 3:44
  So
• 3:45
  here's
• 3:45
  your
• 3:45
  one
• 3:45
  action
• 3:46
  step
• 3:46
  for
• 3:46
  today.
• 3:47
  And
• 3:47
  this
• 3:47
  one
• 3:47
  is
• 3:47
  not
• 3:47
  going
• 3:48
  to
• 3:48
  be
• 3:48
  very
• 3:48
  complicated
• 3:49
  today.
• 3:50
  Maybe
• 3:50
  a
• 3:50
  little
• 3:50
  bit
• 3:50
  of
• 3:51
  negotiating
• 3:51
  with
• 3:52
  your
• 3:52
  kids
• 3:52
  and
• 3:52
  might
• 3:52
  be
• 3:52
  a
• 3:53
  little
• 3:53
  complication.
• 3:53
  But
• 3:53
  start
• 3:54
  by
• 3:54
  creating
• 3:54
  a
• 3:54
  needs
• 3:55
  only
• 3:55
  list.
• 3:56
  We
• 3:56
  talked
• 3:57
  about
• 3:57
  yesterday
• 3:57
  assembling
• 3:58
  that
• 3:58
  school
• 3:58
  list.
• 3:59
  I
• 3:59
  want
• 4:00
  you
• 4:00
  to
• 4:00
  just
• 4:00
  go
• 4:00
  through
• 4:00
  that
• 4:00
  and
• 4:01
  highlight
• 4:01
  only
• 4:01
  the
• 4:02
  true
• 4:02
  necessities.
• 4:03
  What
• 4:03
  are
• 4:04
  the
• 4:04
  things
• 4:04
  we
• 4:04
  absolutely
• 4:05
  have
• 4:05
  to
• 4:05
  have?
• 4:05
  Because
• 4:06
  I
• 4:06
  don't
• 4:06
  know
• 4:06
  about
• 4:06
  you,
• 4:06
  but
• 4:07
  when
• 4:07
  my
• 4:07
  kids
• 4:07
  were
• 4:07
  younger,
• 4:07
  now
• 4:07
  my
• 4:08
  kids
• 4:08
  are
• 4:08
  in
• 4:08
  their
• 4:09
  20s
• 4:09
  now,
• 4:09
  so
• 4:09
  we're
• 4:09
  kind
• 4:10
  of
• 4:10
  disconnected
• 4:10
  from
• 4:10
  this.
• 4:11
  There
• 4:11
  was
• 4:12
  always
• 4:12
  a
• 4:12
  bunch
• 4:12
  of
• 4:12
  stuff
• 4:12
  on
• 4:13
  there,
• 4:13
  like,
• 4:13
  yeah,
• 4:13
  that'd
• 4:13
  be
• 4:13
  nice,
• 4:14
  you
• 4:14
  had
• 4:14
  it,
• 4:14
  but
• 4:14
  you
• 4:14
  don't
• 4:14
  need
• 4:15
  it.
• 4:15
  I
• 4:16
  think
• 4:16
  sometimes
• 4:16
  these
• 4:16
  teachers
• 4:17
  in
• 4:17
  these
• 4:17
  schools
• 4:17
  send
• 4:18
  out
• 4:18
  this
• 4:18
  bucket
• 4:19
  list
• 4:19
  of
• 4:19
  stuff
• 4:19
  they
• 4:19
  love
• 4:20
  to
• 4:20
  have.
• 4:20
  But
• 4:20
  what
• 4:20
  do
• 4:20
  you
• 4:21
  really
• 4:21
  need?
• 4:22
  So
• 4:22
  start
• 4:22
  by
• 4:23
  that.
• 4:23
  Create
• 4:23
  that
• 4:23
  needs
• 4:23
  only
• 4:24
  list.
• 4:24
  And
• 4:24
  then
• 4:24
  the
• 4:24
  second
• 4:25
  thing,
• 4:25
  I
• 4:25
  kind
• 4:25
  of
• 4:25
  mentioned
• 4:25
  this
• 4:26
  yesterday.
• 4:27
  Shop
• 4:27
  your
• 4:27
  home
• 4:27
  first.
• 4:28
  We
• 4:28
  often
• 4:29
  overthink
• 4:29
  that.
• 4:30
  Look
• 4:30
  at
• 4:31
  the
• 4:31
  inventory
• 4:31
  that
• 4:32
  you
• 4:32
  already
• 4:32
  have
• 4:32
  for
• 4:32
  supplies,
• 4:33
  look
• 4:33
  at
• 4:33
  the
• 4:33
  clothes
• 4:33
  that
• 4:34
  your
• 4:34
  children
• 4:34
  already
• 4:34
  have,
• 4:35
  and
• 4:35
  look
• 4:35
  at
• 4:35
  the
• 4:35
  different
• 4:36
  tools
• 4:36
  and
• 4:36
  technology
• 4:37
  things
• 4:37
  they
• 4:37
  have.
• 4:38
  Because
• 4:38
  the
• 4:39
  truth
• 4:39
  is,
• 4:39
  if
• 4:39
  we're
• 4:39
  being
• 4:40
  honest,
• 4:40
  like
• 4:40
  I
• 4:40
  mentioned
• 4:40
  yesterday
• 4:41
  with
• 4:41
  my
• 4:41
  wife,
• 4:41
  with
• 4:41
  buying
• 4:42
  those
• 4:42
  durable
• 4:42
  backpacks,
• 4:43
  it's
• 4:44
  a
• 4:44
  great
• 4:44
  time
• 4:44
  to
• 4:45
  reuse
• 4:45
  what
• 4:45
  you
• 4:46
  already
• 4:46
  have.
• 4:46
  You
• 4:46
  don't
• 4:46
  have
• 4:46
  to
• 4:47
  go
• 4:47
  out
• 4:47
  and
• 4:47
  buy
• 4:47
  new
• 4:47
  just
• 4:47
  because
• 4:48
  it's
• 4:48
  a
• 4:48
  new
• 4:48
  school
• 4:48
  year.
• 4:49
  We
• 4:49
  gotta
• 4:49
  go
• 4:49
  buy
• 4:50
  new
• 4:50
  stuff.
• 4:51
  So
• 4:52
  second
• 4:52
  thing,
• 4:52
  shop
• 4:52
  your
• 4:53
  home.
• 4:53
  And
• 4:54
  then
• 4:54
  I'm
• 4:54
  gonna
• 4:54
  encourage
• 4:54
  you
• 4:54
  to
• 4:55
  compare
• 4:55
  prices
• 4:55
  and
• 4:56
  use
• 4:56
  sales.
• 4:56
  Hey,
• 4:57
  back
• 4:57
  to
• 4:57
  school
• 4:57
  is
• 4:58
  no
• 4:58
  joke.
• 4:58
  You'll
• 4:59
  see
• 4:59
  sales
• 4:59
  all
• 5:00
  over
• 5:00
  the
• 5:00
  place.
• 5:00
  Just
• 5:00
  be
• 5:00
  careful
• 5:01
  you
• 5:01
  don't
• 5:01
  get
• 5:01
  sucked
• 5:01
  into
• 5:02
  buying
• 5:02
  stuff
• 5:02
  you
• 5:02
  don't
• 5:02
  need.
• 5:03
  So
• 5:03
  look
• 5:03
  online,
• 5:04
  look
• 5:04
  for
• 5:04
  any
• 5:04
  Flyers.
• 5:06
  And
• 5:06
  listen,
• 5:07
  here's
• 5:07
  the
• 5:07
  thing
• 5:07
  you
• 5:07
  gotta
• 5:07
  guard
• 5:08
  against.
• 5:08
  And,
• 5:08
  and,
• 5:08
  and
• 5:09
  the,
• 5:09
  the
• 5:09
  online
• 5:09
  retailers
• 5:10
  are
• 5:10
  good
• 5:10
  about
• 5:10
  this.
• 5:11
  Don't
• 5:12
  buy
• 5:12
  just
• 5:12
  because
• 5:12
  it's
• 5:13
  on
• 5:13
  sale.
• 5:13
  See,
• 5:14
  you
• 5:14
  might
• 5:14
  have
• 5:15
  that
• 5:15
  necessity
• 5:15
  list,
• 5:16
  you
• 5:16
  might
• 5:16
  have
• 5:16
  that
• 5:16
  needs
• 5:16
  list.
• 5:17
  But
• 5:17
  you,
• 5:17
  you're,
• 5:17
  you're
• 5:17
  paging
• 5:18
  through
• 5:18
  or
• 5:18
  you're
• 5:18
  online
• 5:19
  and
• 5:19
  you
• 5:19
  see
• 5:19
  this
• 5:19
  other
• 5:19
  thing.
• 5:20
  Amazon
• 5:20
  says,
• 5:20
  oh,
• 5:21
  this
• 5:21
  is
• 5:21
  a
• 5:21
  must
• 5:21
  have,
• 5:23
  must
• 5:23
  have
• 5:23
  maybe,
• 5:24
  but
• 5:24
  it's
• 5:25
  not
• 5:25
  on
• 5:25
  your
• 5:25
  needs
• 5:25
  list.
• 5:25
  Maybe
• 5:26
  it's
• 5:26
  on
• 5:26
  your
• 5:26
  wants
• 5:27
  list.
• 5:28
  But
• 5:28
  just
• 5:28
  because
• 5:28
  it's
• 5:28
  on
• 5:29
  sale
• 5:29
  doesn't
• 5:29
  mean
• 5:29
  you
• 5:29
  need
• 5:30
  to
• 5:30
  get
• 5:30
  it.
• 5:31
  So
• 5:31
  only
• 5:31
  buy
• 5:31
  what's
• 5:32
  needed.
• 5:32
  Stick
• 5:32
  to
• 5:33
  your
• 5:33
  guns
• 5:33
  on
• 5:33
  that
• 5:34
  list.
• 5:35
  Now,
• 5:35
  here's
• 5:35
  another
• 5:35
  thing
• 5:36
  I'm
• 5:36
  going
• 5:36
  to
• 5:36
  highly
• 5:37
  recommend,
• 5:38
  and
• 5:38
  this
• 5:38
  is
• 5:38
  as
• 5:39
  your
• 5:39
  kids
• 5:39
  get
• 5:39
  a
• 5:39
  little
• 5:39
  older,
• 5:40
  you're
• 5:40
  not
• 5:40
  doing
• 5:40
  this
• 5:40
  with
• 5:41
  3,
• 5:41
  4
• 5:41
  and
• 5:41
  5
• 5:41
  year
• 5:42
  olds
• 5:42
  starting
• 5:42
  kindergarten.
• 5:43
  But
• 5:44
  involve
• 5:44
  your
• 5:45
  kids
• 5:45
  with
• 5:45
  setting
• 5:46
  these
• 5:46
  boundaries.
• 5:47
  Let
• 5:47
  them
• 5:48
  help
• 5:48
  you.
• 5:49
  Maybe
• 5:49
  you
• 5:49
  let
• 5:49
  them
• 5:49
  pick
• 5:50
  one
• 5:50
  small
• 5:50
  extra
• 5:51
  item
• 5:51
  for
• 5:51
  the
• 5:51
  back
• 5:51
  to
• 5:52
  school
• 5:52
  season.
• 5:52
  Maybe.
• 5:52
  Say,
• 5:52
  listen,
• 5:53
  okay,
• 5:54
  here's
• 5:54
  the
• 5:54
  things
• 5:54
  you
• 5:54
  absolutely
• 5:55
  need.
• 5:56
  Here's
• 5:56
  some
• 5:56
  wants
• 5:57
  you
• 5:57
  listed.
• 5:57
  I'm
• 5:57
  gonna
• 5:57
  let
• 5:58
  you
• 5:58
  pick
• 5:58
  one
• 5:58
  of
• 5:58
  those
• 5:58
  things.
• 5:58
  Now,
• 5:59
  it
• 5:59
  needs
• 5:59
  to
• 5:59
  be
• 5:59
  within
• 5:59
  reason
• 6:00
  and
• 6:00
  I
• 6:01
  would
• 6:01
  venture
• 6:01
  to
• 6:01
  say
• 6:01
  it
• 6:01
  needs
• 6:01
  to
• 6:02
  be
• 6:02
  something
• 6:02
  that
• 6:02
  would
• 6:02
  actually
• 6:02
  be
• 6:03
  useful
• 6:03
  for
• 6:03
  them.
• 6:04
  But
• 6:04
  this
• 6:04
  is
• 6:04
  a
• 6:05
  great
• 6:05
  place
• 6:05
  to
• 6:05
  start
• 6:06
  teaching
• 6:06
  your
• 6:06
  kids
• 6:07
  that
• 6:07
  difference
• 6:07
  between
• 6:08
  those
• 6:08
  wants
• 6:08
  and
• 6:09
  those
• 6:09
  needs.
• 6:09
  I
• 6:10
  think
• 6:10
  that's
• 6:10
  one
• 6:10
  of
• 6:10
  the
• 6:10
  biggest
• 6:11
  problems
• 6:11
  that
• 6:11
  we
• 6:11
  have
• 6:12
  with
• 6:12
  our
• 6:12
  children
• 6:13
  is
• 6:13
  we
• 6:13
  don't
• 6:13
  do
• 6:13
  a
• 6:14
  good
• 6:14
  job
• 6:14
  of
• 6:15
  teaching
• 6:15
  that
• 6:15
  difference
• 6:16
  between
• 6:16
  needs
• 6:17
  and
• 6:17
  wants.
• 6:18
  Because
• 6:18
  if
• 6:19
  you're
• 6:19
  like
• 6:19
  me,
• 6:20
  you're
• 6:20
  that
• 6:20
  parent
• 6:20
  that
• 6:20
  wants
• 6:21
  to
• 6:21
  please
• 6:21
  your
• 6:21
  kids,
• 6:21
  you
• 6:21
  want
• 6:22
  your
• 6:22
  kids
• 6:22
  to
• 6:22
  have
• 6:22
  maybe
• 6:23
  the
• 6:23
  things
• 6:23
  that
• 6:23
  you
• 6:23
  didn't
• 6:24
  have.
• 6:25
  It's
• 6:25
  so
• 6:25
  easy
• 6:25
  to
• 6:26
  get
• 6:26
  in
• 6:26
  that
• 6:26
  trap
• 6:26
  of
• 6:27
  needs
• 6:27
  versus
• 6:27
  wants.
• 6:27
  But
• 6:28
  this
• 6:28
  is
• 6:28
  a
• 6:28
  great
• 6:28
  opportunity.
• 6:29
  This
• 6:29
  back
• 6:29
  to
• 6:30
  school
• 6:30
  season.
• 6:30
  They're
• 6:30
  starting
• 6:31
  to
• 6:31
  get
• 6:31
  in
• 6:31
  the
• 6:31
  mind
• 6:31
  of
• 6:31
  education
• 6:32
  again.
• 6:33
  Start
• 6:33
  teaching
• 6:34
  them
• 6:34
  that
• 6:34
  difference
• 6:35
  between
• 6:35
  the
• 6:35
  needs
• 6:35
  and
• 6:36
  wants
• 6:36
  and
• 6:36
  it
• 6:36
  will
• 6:36
  be
• 6:37
  beneficial.
• 6:37
  That
• 6:38
  will
• 6:38
  produce
• 6:38
  benefits
• 6:39
  for
• 6:39
  the
• 6:39
  rest
• 6:39
  of
• 6:39
  their
• 6:40
  life.
• 6:41
  And
• 6:41
  the
• 6:41
  reason
• 6:41
  that
• 6:41
  we're
• 6:42
  doing
• 6:42
  all
• 6:42
  of
• 6:42
  this,
• 6:42
  why
• 6:43
  this
• 6:43
  helps
• 6:43
  today,
• 6:44
  it
• 6:44
  prevents
• 6:45
  that
• 6:45
  budget
• 6:45
  blowout.
• 6:46
  It's
• 6:46
  so
• 6:46
  easy
• 6:47
  to
• 6:47
  blow
• 6:47
  out
• 6:47
  your
• 6:47
  budget
• 6:48
  when
• 6:48
  you
• 6:48
  get
• 6:48
  to
• 6:48
  the
• 6:48
  store
• 6:49
  and
• 6:49
  you've
• 6:49
  just
• 6:49
  got
• 6:50
  this
• 6:50
  massive
• 6:50
  list.
• 6:50
  If
• 6:51
  you
• 6:51
  haven't
• 6:51
  really
• 6:51
  taken
• 6:52
  the
• 6:52
  time
• 6:52
  and
• 6:53
  invested
• 6:53
  the
• 6:53
  time
• 6:54
  in
• 6:54
  hammering
• 6:55
  out
• 6:55
  what
• 6:55
  are
• 6:56
  the
• 6:56
  needs
• 6:56
  and
• 6:57
  what
• 6:57
  are
• 6:57
  the
• 6:57
  ones.
• 6:57
  And
• 6:58
  make
• 6:58
  sure,
• 6:58
  like
• 6:58
  I
• 6:59
  said
• 6:59
  before,
• 6:59
  shop
• 7:00
  your
• 7:00
  house
• 7:00
  first.
• 7:01
  I
• 7:01
  remember
• 7:01
  we
• 7:02
  talked
• 7:02
  about
• 7:02
  this
• 7:02
  on
• 7:02
  the
• 7:02
  show
• 7:02
  a
• 7:03
  couple
• 7:03
  of
• 7:03
  weeks
• 7:03
  ago.
• 7:03
  That
• 7:04
  junk
• 7:04
  drawer,
• 7:05
  Remember?
• 7:05
  Back
• 7:05
  to
• 7:05
  school
• 7:06
  time.
• 7:06
  My
• 7:06
  mom
• 7:06
  was
• 7:06
  pretty
• 7:07
  frugal
• 7:07
  about
• 7:07
  that
• 7:07
  stuff.
• 7:08
  She
• 7:08
  Would
• 7:08
  go
• 7:08
  to
• 7:08
  the
• 7:09
  junk
• 7:09
  drawer
• 7:09
  and
• 7:09
  it
• 7:09
  was
• 7:09
  amazing
• 7:10
  how
• 7:10
  many
• 7:11
  number
• 7:11
  two
• 7:11
  pencils
• 7:12
  she
• 7:12
  would
• 7:12
  pull
• 7:12
  out
• 7:12
  and,
• 7:13
  and
• 7:13
  half
• 7:13
  used
• 7:13
  erasers.
• 7:14
  And
• 7:14
  she
• 7:14
  would
• 7:14
  say
• 7:14
  to
• 7:15
  us,
• 7:15
  listen
• 7:15
  kids,
• 7:16
  you
• 7:16
  don't
• 7:16
  need
• 7:16
  to
• 7:16
  go
• 7:16
  buy
• 7:17
  new
• 7:17
  stuff.
• 7:17
  I
• 7:17
  got
• 7:17
  it
• 7:17
  right
• 7:17
  here.
• 7:18
  Now,
• 7:18
  of
• 7:18
  course
• 7:18
  we'd
• 7:18
  hem
• 7:18
  and
• 7:19
  hallway,
• 7:19
  but
• 7:19
  we
• 7:19
  need
• 7:19
  the
• 7:20
  new
• 7:20
  pencils,
• 7:20
  the
• 7:20
  fancy
• 7:21
  ones
• 7:21
  with
• 7:21
  the
• 7:22
  red,
• 7:22
  you
• 7:22
  know,
• 7:22
  whatever,
• 7:22
  you
• 7:23
  know
• 7:23
  what
• 7:23
  I'm
• 7:23
  talking
• 7:23
  about.
• 7:24
  But
• 7:24
  this
• 7:24
  will
• 7:24
  help
• 7:25
  you
• 7:25
  prevent
• 7:25
  that
• 7:25
  budget
• 7:26
  blowout.
• 7:26
  If
• 7:26
  you
• 7:27
  have
• 7:27
  that
• 7:27
  needs
• 7:27
  list
• 7:28
  and
• 7:28
  this
• 7:29
  big
• 7:29
  picture,
• 7:29
  it's
• 7:29
  going
• 7:30
  to
• 7:30
  reduce
• 7:30
  that
• 7:30
  family
• 7:31
  stress.
• 7:32
  This
• 7:32
  is
• 7:32
  a
• 7:32
  very
• 7:33
  stressful
• 7:33
  time
• 7:33
  for
• 7:34
  people.
• 7:34
  You've
• 7:35
  sort
• 7:35
  of
• 7:35
  gotten
• 7:35
  to
• 7:35
  your,
• 7:36
  your
• 7:36
  summer
• 7:36
  off
• 7:37
  season.
• 7:37
  You
• 7:37
  know,
• 7:37
  everybody's
• 7:38
  stress
• 7:39
  level
• 7:39
  is
• 7:39
  going
• 7:39
  to
• 7:39
  be
• 7:39
  higher.
• 7:40
  We're
• 7:40
  doing
• 7:40
  different
• 7:40
  routines
• 7:41
  every
• 7:41
  day.
• 7:42
  Maybe
• 7:42
  your
• 7:42
  kids
• 7:42
  play
• 7:43
  after
• 7:43
  school
• 7:43
  sports
• 7:44
  or
• 7:44
  involved
• 7:45
  and
• 7:45
  other
• 7:45
  extracurricular
• 7:46
  activities
• 7:46
  and
• 7:46
  you're
• 7:47
  trying
• 7:47
  to
• 7:47
  juggle
• 7:47
  around,
• 7:48
  you
• 7:48
  know,
• 7:48
  how
• 7:48
  do
• 7:48
  you
• 7:48
  get
• 7:48
  this
• 7:48
  one
• 7:49
  to
• 7:49
  here?
• 7:50
  Another
• 7:50
  great
• 7:50
  thing
• 7:51
  that
• 7:51
  this
• 7:51
  does,
• 7:51
  it's
• 7:51
  going
• 7:52
  to
• 7:52
  build
• 7:52
  financial
• 7:53
  confidence
• 7:53
  not
• 7:54
  only
• 7:54
  in
• 7:54
  your
• 7:54
  stewardship,
• 7:55
  but
• 7:56
  in
• 7:56
  your
• 7:56
  kids.
• 7:57
  Your
• 7:57
  kids
• 7:58
  are
• 7:58
  going
• 7:58
  to
• 7:58
  see
• 7:58
  this
• 7:58
  as
• 7:58
  an
• 7:59
  opportunity
• 7:59
  to
• 7:59
  say,
• 7:59
  hey,
• 8:00
  mom
• 8:00
  and
• 8:00
  dad
• 8:00
  really
• 8:00
  taught
• 8:00
  us
• 8:01
  a
• 8:01
  lesson.
• 8:01
  Remember,
• 8:01
  back
• 8:02
  to
• 8:02
  school
• 8:02
  time.
• 8:02
  I
• 8:03
  can
• 8:03
  still
• 8:03
  remember
• 8:03
  it
• 8:03
  now.
• 8:03
  I'm
• 8:04
  going
• 8:04
  to
• 8:04
  be
• 8:04
  53
• 8:05
  years
• 8:05
  old
• 8:05
  in
• 8:05
  September.
• 8:06
  And
• 8:06
  as
• 8:06
  I
• 8:07
  prepared
• 8:07
  for
• 8:07
  the
• 8:07
  series,
• 8:08
  I
• 8:08
  was
• 8:08
  thinking
• 8:08
  about
• 8:09
  the
• 8:09
  lessons
• 8:09
  that
• 8:09
  I
• 8:10
  learned
• 8:10
  from
• 8:10
  my
• 8:10
  mom
• 8:11
  during
• 8:11
  this
• 8:11
  time.
• 8:12
  How
• 8:12
  she
• 8:12
  was
• 8:12
  able
• 8:13
  to
• 8:13
  really
• 8:13
  stretch
• 8:13
  that
• 8:14
  dollar.
• 8:15
  And
• 8:15
  at
• 8:15
  the
• 8:15
  same
• 8:16
  time,
• 8:16
  this
• 8:16
  is
• 8:16
  going
• 8:16
  to
• 8:16
  protect
• 8:17
  your
• 8:17
  goals
• 8:17
  because
• 8:17
  you
• 8:18
  really
• 8:18
  got
• 8:18
  those,
• 8:18
  those
• 8:19
  financial
• 8:19
  goal
• 8:20
  set
• 8:20
  and
• 8:20
  it's
• 8:21
  going
• 8:21
  to
• 8:21
  meet
• 8:21
  those
• 8:21
  real
• 8:22
  needs.
• 8:23
  How
• 8:23
  about
• 8:23
  we
• 8:23
  pray
• 8:24
  together?
• 8:24
  Father
• 8:24
  God,
• 8:24
  we
• 8:25
  just
• 8:25
  want
• 8:25
  to
• 8:25
  thank
• 8:25
  you
• 8:25
  for
• 8:25
  the
• 8:26
  opportunity
• 8:26
  to
• 8:26
  support
• 8:27
  our
• 8:27
  children's
• 8:27
  education.
• 8:28
  We
• 8:28
  realize
• 8:29
  that
• 8:29
  it's
• 8:29
  so
• 8:29
  important
• 8:30
  for
• 8:30
  them
• 8:31
  to
• 8:31
  be
• 8:31
  involved
• 8:32
  in
• 8:32
  a
• 8:32
  good
• 8:33
  education.
• 8:34
  And
• 8:34
  Lord,
• 8:35
  we
• 8:35
  have
• 8:35
  to
• 8:35
  be
• 8:35
  honest.
• 8:35
  We
• 8:35
  confess
• 8:36
  that
• 8:36
  we
• 8:36
  sometimes
• 8:37
  overspend
• 8:38
  or
• 8:38
  we
• 8:38
  act
• 8:38
  without
• 8:39
  planning,
• 8:39
  Lord.
• 8:41
  So
• 8:41
  I
• 8:41
  just
• 8:41
  ask
• 8:41
  you
• 8:41
  right
• 8:42
  now
• 8:42
  to
• 8:42
  help
• 8:42
  us
• 8:42
  to
• 8:43
  shop
• 8:43
  with
• 8:43
  discernment,
• 8:44
  Lord,
• 8:44
  and
• 8:44
  help
• 8:44
  us
• 8:45
  to
• 8:45
  be
• 8:45
  intentional
• 8:46
  in
• 8:46
  our
• 8:46
  purchases.
• 8:48
  We
• 8:48
  ask
• 8:48
  that
• 8:48
  you
• 8:48
  would
• 8:49
  teach
• 8:49
  us
• 8:49
  to
• 8:49
  steward
• 8:50
  wisely
• 8:50
  and
• 8:51
  to
• 8:51
  model
• 8:51
  contentment
• 8:52
  for
• 8:52
  our
• 8:52
  children,
• 8:53
  Lord,
• 8:53
  so
• 8:53
  that
• 8:53
  they
• 8:54
  see
• 8:54
  what
• 8:54
  that
• 8:54
  looks
• 8:55
  like
• 8:55
  and
• 8:55
  they
• 8:55
  can
• 8:56
  use
• 8:56
  that
• 8:56
  to
• 8:56
  be
• 8:56
  profitable
• 8:57
  in
• 8:57
  their
• 8:57
  life.
• 8:58
  And
• 8:58
  Lord,
• 8:58
  we
• 8:59
  just
• 8:59
  ask
• 8:59
  that
• 8:59
  this
• 9:00
  school
• 9:00
  year
• 9:00
  would
• 9:00
  be
• 9:00
  one
• 9:01
  of
• 9:01
  peace,
• 9:02
  one
• 9:02
  of
• 9:02
  purpose
• 9:03
  and
• 9:04
  one
• 9:04
  of
• 9:04
  strong
• 9:04
  provisions.
• 9:06
  And
• 9:06
  we
• 9:06
  ask
• 9:06
  this
• 9:06
  in
• 9:07
  confidence
• 9:07
  in
• 9:07
  Jesus
• 9:08
  name,
• 9:09
  Amen.
• 9:10
  Listen
• 9:10
  friend,
• 9:11
  school
• 9:12
  supply
• 9:12
  shopping
• 9:13
  doesn't
• 9:13
  have
• 9:13
  to
• 9:13
  be
• 9:13
  stressful.
• 9:15
  Start
• 9:15
  by
• 9:16
  focusing
• 9:16
  on
• 9:16
  what's
• 9:17
  needed
• 9:17
  and
• 9:17
  shop
• 9:18
  smart
• 9:18
  this
• 9:18
  year.
• 9:19
  And
• 9:19
  I'm
• 9:19
  going
• 9:19
  to
• 9:20
  encourage
• 9:20
  you
• 9:20
  right
• 9:20
  now,
• 9:21
  if
• 9:21
  you're
• 9:21
  like
• 9:21
  other
• 9:21
  people
• 9:22
  and
• 9:22
  you,
• 9:22
  you
• 9:22
  got
• 9:23
  other
• 9:23
  friends
• 9:23
  who
• 9:23
  are
• 9:23
  going
• 9:23
  through
• 9:24
  this,
• 9:24
  share
• 9:24
  the
• 9:24
  show
• 9:25
  with
• 9:25
  them.
• 9:25
  Other
• 9:26
  people
• 9:26
  are
• 9:26
  dealing
• 9:26
  with
• 9:26
  the
• 9:27
  same
• 9:27
  back
• 9:27
  to
• 9:27
  school
• 9:28
  dilemma
• 9:28
  and
• 9:28
  they're
• 9:28
  trying
• 9:29
  to
• 9:29
  figure
• 9:29
  out
• 9:29
  how
• 9:29
  to
• 9:30
  make
• 9:30
  all
• 9:30
  of
• 9:30
  these
• 9:30
  things
• 9:30
  happen.
• 9:31
  And
• 9:31
  hey,
• 9:32
  share
• 9:32
  this
• 9:32
  show.
• 9:32
  Share
• 9:32
  this
• 9:33
  series
• 9:33
  with
• 9:33
  them.
• 9:34
  You
• 9:34
  can
• 9:34
  send
• 9:34
  them
• 9:34
  a
• 9:34
  text,
• 9:35
  you
• 9:35
  can
• 9:35
  send
• 9:35
  them
• 9:35
  an
• 9:35
  email.
• 9:36
  Just
• 9:36
  say,
• 9:36
  hey,
• 9:36
  Ralph
• 9:37
  just
• 9:37
  started
• 9:37
  this
• 9:38
  series
• 9:38
  about
• 9:38
  back
• 9:39
  to
• 9:39
  school.
• 9:39
  You
• 9:39
  can
• 9:39
  find
• 9:40
  it@financiallyconfidentchristian.com
• 9:42
  because,
• 9:43
  hey,
• 9:43
  we
• 9:43
  got
• 9:43
  to
• 9:43
  work
• 9:43
  at
• 9:44
  this
• 9:44
  together.
• 9:45
  We
• 9:45
  can
• 9:45
  all
• 9:45
  build
• 9:46
  each
• 9:46
  other
• 9:46
  up
• 9:47
  if
• 9:47
  we
• 9:47
  share
• 9:47
  the
• 9:48
  information
• 9:48
  we
• 9:48
  talk
• 9:49
  about
• 9:49
  on
• 9:49
  the
• 9:49
  show
• 9:49
  every
• 9:49
  day.
• 9:50
  Well,
• 9:50
  tomorrow
• 9:51
  we're
• 9:51
  going
• 9:51
  to
• 9:51
  talk
• 9:51
  about
• 9:52
  something
• 9:52
  really
• 9:52
  practical.
• 9:53
  We're
• 9:53
  going
• 9:53
  to
• 9:53
  talk
• 9:53
  about
• 9:53
  school
• 9:54
  clothes
• 9:54
  and
• 9:54
  school
• 9:55
  shoes
• 9:55
  and
• 9:56
  I'm
• 9:56
  going
• 9:56
  to
• 9:56
  tell
• 9:56
  you
• 9:56
  how
• 9:56
  to
• 9:57
  save
• 9:57
  with
• 9:57
  sales
• 9:57
  and
• 9:58
  thrift
• 9:58
  strategy.
• 9:59
  So
• 9:59
  I'm
• 9:59
  going
• 9:59
  to
• 9:59
  encourage
• 9:59
  you
• 9:59
  not
• 9:59
  to
• 10:00
  miss
• 10:00
  it.
• 10:01
  So
• 10:01
  let's
• 10:01
  go
• 10:01
  out
• 10:01
  there
• 10:01
  today
• 10:02
  and
• 10:02
  be
• 10:03
  financially
• 10:04
  confident
• 10:04
  Christians.
• 10:05
  You
• 10:06
  can
• 10:06
  do
• 10:06
  this.
• 10:07
  I
• 10:07
  truly
• 10:08
  believe
• 10:08
  in
• 10:08
  you,
• 10:09
  believe
• 10:09
  in
• 10:09
  yourself,
• 10:10
  stay
• 10:10
  financially
• 10:11
  savvy,
• 10:11
  God
• 10:11
  bless
• 10:12
  you,
• 10:12
  and
• 10:12
  you
• 10:12
  have
• 10:12
  a
• 10:13
  great
• 10:13
  day
• 10:13
  today.