Can't Save? Try These Tricks

Feeling stressed about money? Tax day is approaching as I write this and my husband is just finishing up our taxes. We're blessed that the amount we must pay is small.  We were fortunate to save the right amount to cover our son's college without any student loans.  I have been working to put more money into one of my retirement funds.

There are actionable money-saving hacks that can change your financial life. These strategies can radically reduce expenses. They also boost wealth-building and improve your financial well-being. Ready to take control? Let's dive in!

Budgeting doesn't have to be a drag

Smart budgeting and spending habits help you identify areas where you can save cash. Knowing where your money goes is the first step to financial freedom.

Tracking every penny might seem annoying, but it's enlightening. Thankfully, I can review expenses through my banking app and my credit card statements.  Knowing where your money goes each month is important. You'll be surprised where you can cut back. You might be spending way too much on coffee, takeout or Amazon.  Seeing these trends helps you make smarter choices.

Needs are essentials: rent, food, transportation. Wants are extras: new clothes, fancy gadgets, eating out. It's easy to confuse the two. Learning to tell them apart is key. Ask yourself: Do I really need this, or do I just want it? Prioritize needs. Then, spend carefully on wants.  I used my previous cell phone and my previous laptop for over 10 years. Both had to be replaced as they were no longer supported and did not run well.

Embrace Minimalism: Less Stuff, Less Spending

Minimalism is about owning less. Declutter your home. Get rid of things you don't need. The less you own, the less you need to buy. This helps you spend less on unnecessary items. Plus, a clutter-free home is calming. It creates a relaxed living space.  I've been decluttering my clothing; getting rid of items that don't fit, aren't worn, or just simply no longer serve me.  Rather than buying cheap clothes, I am investing in new clothing items through Stitch Fix. I didn't think I'd like someone else picking out my clothes but I've been happy with the two "fixes" so far. 

Food costs can sneak up on you. Smart planning and shopping can lead to big savings.

Grocery shopping and other food savings.

Coupons are your friends. We shop Kroger and we can clip coupons that go on our Kroger card.  Don't be afraid of store brands. They're often just as good as name brands. But, they cost less. We buy store brands often but, depending on the sale, my husband has occasionally found it cheaper to buy a name brand instead of store brand.

Eating out is a budget killer. Cooking at home is way cheaper. My husband and I are so busy that it has been months since we've gone out to dinner together.  I go out once a month with my girl friends in Lewis Center. If you do enjoy eating out, look for coupons either through mailers like ValPak or in an app if your favorite restaurant has one.

Set Up Automatic Transfers to Savings Accounts

Set up automatic transfers from your checking account to your savings account. Even small amounts add up over time. Treat it like a bill you have to pay. Set it and forget it. You'll be surprised how quickly your savings grow.  I've been diverting a small percentage of my monthly paycheck to my savings account.  Huntington offers "Money Scout" and this has resulted in more savings.  I have a scheduled transfer setup to send money to Edward Jones for one of my retirement funds.

Wrap-Up

We explored many money-saving hacks today. From optimizing your budget to slashing housing costs. Conquering food expenses to automating your savings. Cutting down on transportation to embracing minimalism. Implementing these hacks can change your financial life. You can radically reduce expenses. You can also accelerate wealth building. You'll also improve your overall financial well-being. Start implementing these hacks today. Commit to a financially healthier future!

You've Got God's Power: How to Use It Daily

Is it really possible? Can the same power that brought Jesus back to life live inside you? Many believers think this is a big deal, changing how they see their faith and everyday life. Imagine having the confidence and peace that comes from knowing you are never really alone. The very essence of God is working within you. This was the subject of a recent daily reflection from YouVersion and I wanted to explore this idea further.

The idea of God living in us isn't just a nice thought. It's a strong truth with deep effects. It changes how we see ourselves, our purpose, and what we can do as God's children. Let's explore what this really means and how you can find, grow, and use God's Spirit inside you.

Understanding the Indwelling Spirit

What does it mean for God's Spirit to live inside a person? There are different ideas about this. For some, it means God is always guiding and helping us. For others, it means we become more like God in our actions and thoughts. Understanding this idea requires a look back in time. Early Christians believed that the Spirit of God came to live in them when they accepted Jesus. This belief gave them strength and courage to face challenges.

Biblical Basis for the Indwelling Spirit

The Bible has verses that talk about God's Spirit living in believers. One is 1 Corinthians 3:16. It asks, "Do you not know that you are God's temple and that God's Spirit dwells in you?" This verse shows that God's Spirit isn't far away. It lives right inside of us.

Another key verse is Romans 8:9, it states, "However, you are not in the flesh but in the Spirit, if in fact the Spirit of God dwells in you. Anyone who does not have the Spirit of Christ does not belong to Christ." Here, Paul stresses how important it is for believers to have God's Spirit. In Galatians 2:20, Paul says, "I have been crucified with Christ and I no longer live, but Christ lives in me. The life I now live in the body, I live by faith in the Son of God, who loved me and gave himself for me." This shows a deep connection with Christ, where His life becomes part of ours.

The Holy Spirit vs. God's Spirit: Clarifying the Terminology

People often use "Holy Spirit" and "God's Spirit" interchangeably. These terms both point to the same divine presence. The Holy Spirit refers to the Spirit of God, emphasizing his holiness and purity. Some get confused about the Trinity, believing that the Spirit is separate from God. However, the Trinity teaches that God is one being in three persons: Father, Son, and Holy Spirit. The Spirit's role is to guide, teach, and empower believers.

Dispelling Common Myths About the Indwelling Spirit

One common myth is that only certain people can get the Spirit. This isn't true. Anyone who believes in Jesus can receive the Spirit. Another myth is that the Spirit only shows up in big, dramatic ways. However, the Spirit often works quietly, changing our hearts and minds. It's important to know the difference between being "with" God and having God "in" you. Being with God means having a relationship with Him. Having God "in" you means that His very essence lives inside of you, guiding and empowering you from within.

Recognizing the Presence of God's Spirit

How do you know if God's Spirit is living in you? There are signs to look for. It's about noticing changes inside your heart and mind.

Inner Peace and a Sense of Knowing

One sign is a deep sense of peace, even when things are tough. This peace isn't like the peace the world offers. It's a peace that surpasses all understanding. It comes from knowing God is in control. You might also have a strong sense of knowing what to do, as God is guiding you. This inner peace is different from just hoping things will work out. It's a calm assurance that God is with you.

Desires Aligned with God's Will

The Spirit can change what you want. You may start to want the things God wants. This doesn't mean you'll suddenly become perfect. It means your desires will slowly line up with God's purposes. This process is called sanctification. It is about becoming more like Christ every day. The Spirit helps you want to do good and avoid evil.

Gifts and Talents Used for God's Glory

Have you ever noticed you're really good at something? Maybe it's music, helping people, or teaching. These gifts and talents can be empowered by God's Spirit. When you use them to honor God, you're activating the Spirit within you. It's like the Spirit gives you extra ability and passion. Think about how you can use your skills to make a difference in the world.

Nurturing the Spirit Within

You can grow and strengthen the presence of God's Spirit in your life. It takes effort and commitment. Here are some helpful ways to keep your connection to God strong.

Prayer and Communion with God

Talk to God regularly. Prayer is more than just asking for things. It's about connecting with God and sharing your heart. Try different ways to pray. Some people like to pray in silence. Others like to pray out loud. Find what works best for you. Set aside time each day to be with God.

Studying and Meditating on Scripture

The Bible is full of God's truth. When you read and think about the Bible, you're filling your mind with God's thoughts. This helps you understand God's will and grow closer to Him. Don't just read the words. Think about what they mean for your life. Ask God to show you how to apply them.

Fellowship with Other Believers

Spending time with other believers is really important. They can encourage you, support you, and help you grow. Share your faith journey with them. Pray together, study the Bible together, and serve together. You're not meant to walk this road alone. Community is a place where you can get help and guidance.

Overcoming Obstacles to Experiencing the Spirit's Fullness

Sometimes, it's hard to feel God's Spirit. There can be things blocking the way. It could be sin, doubt, or fear. Here's how to deal with these problems.

Dealing with Sin and Unforgiveness

Sin can create distance between you and God. It's important to admit when you've done wrong and ask for forgiveness. Confess your sins to God and turn away from them. Also, forgive others who have hurt you. Holding onto anger and bitterness can block the Spirit's work in your life. Forgiveness isn't easy, but it's necessary.

Conquering Doubt and Fear

Doubt and fear can keep you from trusting God. They can make you question His promises and His love. When you have doubts, turn to the Bible. Find verses that speak to your fears and anxieties. Remind yourself of God's faithfulness in the past. Replace negative thoughts with faith-filled affirmations.

Breaking Free from Worldly Distractions

The world is full of things that can pull you away from God. TV, social media, and other distractions can fill your mind and crowd out the Spirit. It's important to set limits and prioritize time with God. Find ways to minimize distractions and focus on what really matters. Make time for prayer, Bible study, and fellowship.

Living a Spirit-Empowered Life

What does it look like to live with the Spirit living in you? It means making choices and doing things differently. The Spirit can guide you.

Making Decisions with God's Guidance

When you have a big decision to make, ask God for guidance. Don't just rely on your own understanding. Pray about it, study the Bible, and listen to the advice of other believers. The Spirit will often speak to you through your intuition or through circumstances. Trust that God will lead you in the right direction.

Showing Love and Compassion to Others

God's love should overflow from you to others. Look for ways to show love and kindness to those around you. Help those in need, offer a listening ear, and be a friend to the lonely. Let your actions reflect God's heart. Remember that even small acts of kindness can make a big difference.  Smiling at someone you pass on the street can be a bright spot on their day with very little effort on your part.

Speaking with Boldness and Confidence

The Spirit can give you the courage to share your faith with others. Don't be afraid to talk about Jesus. Share your story and explain why you believe. The Spirit will give you the words to say. Don't worry about being perfect. Just be honest and authentic. People are drawn to genuine faith.

Embracing Your Divine Potential

The idea that God's Spirit lives inside you is more than just a concept. It's a life-changing truth. By understanding, finding, growing, and using the Spirit within, you can unlock your potential and live a life of purpose, power, and peace. Embrace this truth, and let God's Spirit guide you, empower you, and change you into who you were meant to be. You are not alone. God is with you, in you, and for you.

Resources:

YouVersion Bible App

Ryan Robinson Blogging Tools

April 9, 2025 Life Update

Hi Friends,

It's been a while since I did a little life update.  Life has been incredibly busy with good things.

My son's dead SUV that I wrote about back in How to Turn Tough Times into Moments of Gratitude was finally hauled away this week.  I was at my Columbus office so I watched it through the Ring app on my phone and took a screenshot.  It was bittersweet - that's the vehicle my son learned to drive in but it is nice to have full use of the driveway again.

Powerlifting training has been my focus at the gym.  As I wrote in The Story of a Struggling Powerlifter ,  I sought coaching help for bench press and there has been improvement with no failed reps as of late.  I do one Crossfit class a week to see friends & keep up my skills. I'm trying to increase my step count as we're going to be starting a habit challenge at the gym soon and I expect step count will be part of it. I am getting more steps through outdoor walking, treadmill walking, elliptical, or just doing chores around the house.  

My son's college graduation is coming up in a few short weeks.  Some days, it feels like he just graduated from high school.  My powerlifting competition is a couple weeks after my son's college graduation.  

Being so busy, I admit to having hit a bit of a writer's block so new blog content has slowed down.  I have worked on revising some older blog posts as well as doing more short form scripture related posts on social media.  My hope is that perhaps life will slow down after a busy April & May but that remains to be seen.  

While life feels a bit overwhelming, I know that God does not give me more than I can handle since I should be leaning on Him for strength.

God Bless,

Jodi

Spring Fever: Symptoms, Causes, and How to Beat the Blues

Ah, spring! The birds are singing, flowers are blooming, and… you're feeling totally drained? You're not alone! That weird mix of excitement and exhaustion is often called "spring fever." It's that sluggish, restless feeling when winter finally fades. Spring fever is more than just a feeling; it's a real thing! It has roots in our bodies and minds. Getting a grip on these things can assist you in handling it and enjoy the season.

Understanding Spring Fever: More Than Just a Feeling

Spring fever isn't a medical diagnosis. It's more of a general term. It describes the changes in energy, mood, and drive that people have when spring rolls around.  While researching this topic, I came across an interesting sermon transcript about Spring Fever by Jerry Depoy.  The sermon related to Genesis 8 Verses 1-18 about Noah, the Ark, the animals, and the floods.  

What Exactly is Spring Fever?

Think of spring fever as your body waking up from a long nap. The days get longer. The weather warms up. Your body needs to adjust to these changes. This adjustment can lead to feeling tired, unmotivated, or even a little blah. It's a temporary shift, but it can be a bummer.

The Science Behind Spring Fever: Why You Feel This Way

So, why does spring make you feel so strange? It's all about biology and how your body reacts to the environment. Sunlight, hormones, and temperature all play a role.

The Role of Sunlight and Vitamin D

Sunlight is a big deal! It helps your body make vitamin D. It also affects two important chemicals in your brain: serotonin and melatonin. Serotonin boosts your mood. Melatonin helps you sleep. More sunlight can mean more serotonin and less melatonin. This shift can mess with your energy levels and make you feel out of whack. Imagine how Noah and everyone on the Ark that experienced the floods must have felt!

Hormonal Shifts: A Spring Awakening

Think of your hormones as tiny messengers. They tell your body what to do. Sunlight throws those messengers into chaos. It impacts your feelings of energy and motivation. It is like your body is waking up, stretching, and trying to find its rhythm.

The Temperature Effect: Metabolic Changes

Warmer weather changes your metabolism. It also changes your blood pressure. Your body has to work harder to stay cool. This can lead to fatigue and make you feel like you're moving in slow motion.

Symptoms of Spring Fever: Are You Experiencing It?

How do you know if you have spring fever? Look out for these common signs.

Common Physical Symptoms

• Lethargy: Feeling tired and sluggish.
• Fatigue: More than just being tired; it's a deep exhaustion.
• Headaches: Those pesky head pains that come and go.
• Lowered immunity: Catching every cold that floats around.

Psychological and Emotional Indicators

• Mood swings: Feeling happy one minute and grumpy the next.
• Restlessness: An urge to move or change something.
• Irritability: Getting annoyed easily by small things.
• A longing for change: A desire to shake things up in your life.

Beating the Springtime Slump: Practical Tips to Regain Energy

Don't let spring fever get you down! Here are some simple ways to fight back and feel better.

Embrace the Sunlight (Responsibly)

Get some sun! It helps your body make vitamin D. But don't overdo it. Too much sun can be harmful. Aim for 15-20 minutes of sunlight a day, especially in the morning.

Revamp Your Diet: Spring Cleaning for Your Body

Eat fresh, healthy foods. Spring is the perfect time to load up on fruits and veggies. They can give you a natural energy boost. Lighten up your meals. Avoid heavy, greasy foods that can weigh you down.

Stay Hydrated: The Elixir of Life

Drink plenty of water! Dehydration can make you feel tired and sluggish. Keep a water bottle with you and sip on it throughout the day.

Exercise and Outdoor Activities

Get moving! Exercise is a great way to boost your energy and mood. Take a walk, go for a bike ride, or do some gardening. Being outside in nature can be extra helpful.

Prioritize Sleep: Rest and Recovery

Get enough sleep! It might be tempting to stay up later with the longer days, but don't. Aim for 7-8 hours of sleep each night. Consistent sleep patterns can make a big difference.

Spring Fever and Mental Wellness: Taking Care of Your Mind

Spring fever isn't just about your body. It also affects your mind. Taking care of your mental health is key.

Mindfulness and Meditation

Try mindfulness. Focus on the present moment. Meditation can help you relax and reduce stress. There are many apps and online resources that can guide you.

Social Connection: Reconnecting with Others

Connect with people. Spend time with friends and family. Social interaction can combat feelings of isolation and boost your mood. Plan a picnic, go to a park, or just chat with a loved one.

Setting Realistic Goals

Set small, achievable goals. Don't try to do too much at once. Breaking tasks into smaller steps can make them feel less overwhelming. Celebrate your progress along the way.

Wrap-Up

Spring fever is a real thing. It is caused by changes in sunlight, hormones, and temperature. It can leave you feeling tired, restless, and unmotivated. The good news is you can manage it! Get some sun, eat healthy, stay hydrated, exercise, and prioritize sleep. Take care of your mind by practicing mindfulness, connecting with others, and setting realistic goals. View spring as a chance for fresh starts. Take it as an opportunity for growth, despite the challenges.

Resources

Spring Fever Sermon Transcript by Jerry Depoy

Biblia Genesis 8:1-18

Ryan Robinson Blogging Tools

YouVersion - Scripture Image

Never Stop Learning: Why Lifelong Learning is Essential for Success

Liz is getting into powerlifting. You might remember her from The Story of a Struggling Powerlifter. She's working hard to learn the basics. Powerlifting has three main moves. They are the squat, bench press, and deadlift. These lifts test total body strength. Right now, Liz is focused on form. She wants to do each lift just right. Good form keeps her safe. It also helps her lift more weight later.

Each lift has key points to learn. The squat involves bending at the knees and hips. The bench press is pushing weight up while lying down. The deadlift means lifting weight off the floor. Liz is also learning how to breathe right. Proper breathing and bracing make her core strong. This gives her a solid base for lifting. Strong bracing helps prevent injuries. It allows her to move bigger weight safely. She is excited to see how strong she can get.

The Benefits of Lifelong Learning

Lifelong learning can help you grow, both personally and in your career. Staying curious and always wanting to learn is more valuable than ever. What are the advantages?

Enhanced Career Opportunities and Advancement

Want a better job or a raise? Continuous learning can help you get there. By learning new skills, you can become more valuable to employers. You might even get a promotion. Think of it as investing in yourself; the more you learn, the more you earn. Many companies value employees who show a willingness to learn and adapt.

Increased Adaptability and Resilience

Life throws curveballs. Learning new skills helps you adapt to change and bounce back from challenges. If you lose your job, you can use your new skills to find another one. If a new technology comes along, you can learn how to use it. This adaptability makes you more resilient. It equips you to handle whatever comes your way.

Improved Cognitive Function and Mental Agility

Learning isn't just good for your career, it's great for your brain, too. It can boost your memory, improve your problem-solving skills, and keep your mind sharp. Think of your brain like a muscle. The more you use it, the stronger it gets. Lifelong learning is like a workout for your brain, keeping it healthy and agile.

Cultivating a Growth Mindset for Continuous Learning

Having the right mindset is key. A growth mindset means believing that your abilities can be developed through dedication and hard work. It's a way to look at learning and personal development. How can you adopt this mindset?

Embracing Challenges and Seeing Failure as an Opportunity

Don't be afraid of challenges. They're chances to learn and grow. When you face a tough problem, don't give up. Instead, see it as a puzzle to solve. View mistakes as learning experiences; they are not reflections of your worth. Every failure brings you closer to success.

Developing Curiosity and a Love for Learning

Stay curious and ask questions. Nurture your passion for acquiring knowledge and skills. Find subjects that interest you, and explore them deeply. Read books, watch documentaries, and listen to podcasts. The more curious you are, the more you'll want to learn.

Overcoming Limiting Beliefs and Self-Doubt

Do you ever think, "I'm not smart enough to learn this?" It's time to ditch those negative thoughts. Replace them with positive affirmations. Believe in your ability to learn. Break down complex tasks into smaller, more manageable steps. Celebrate small victories to build confidence.

Practical Strategies for Incorporating Lifelong Learning

How can you make lifelong learning a part of your everyday life? It might be easier than you think. Here are some practical tips.

Setting Clear Learning Goals and Creating a Plan

What do you want to learn? Be specific and set clear goals. Create a plan with timelines and milestones. Break down your goals into smaller, achievable steps. Having a structured approach will keep you on track. You're more likely to succeed if you know where you're headed.

Utilizing Online Resources and Educational Platforms

The internet is full of learning opportunities. Take advantage of online courses, tutorials, and other digital tools. Platforms like Coursera, edX, and Khan Academy offer a wide range of subjects. These resources can help you learn at your own pace, from anywhere in the world.

Networking and Learning from Others

Connect with people who share your interests. Join online forums, attend workshops, and go to industry events. Talk to people who are experts in their fields. Learning from others can give you new perspectives and insights. It will enrich your learning journey.

Overcoming Barriers to Lifelong Learning

What's stopping you from learning? Let's tackle some common obstacles. There are solutions available.

Time Constraints and Balancing Priorities

Life gets busy. How can you find time to learn? Schedule learning into your calendar. Treat it like any other important appointment. Break learning into small chunks. Even 15 minutes a day can make a difference. Prioritize learning over less important activities.

Fear of Failure or Feeling Overwhelmed

Learning something new can be intimidating. Don't let fear hold you back. Start with small steps and celebrate your progress. Remember, everyone makes mistakes. Focus on what you're learning, not on being perfect. Embrace the learning process.  Just a few days ago, I came across an article that explained how I can create bulk pins for Pinterest using a spreadsheet template an uploading a CSV.  Once I got in a groove with the required fields, I filled out the spreadsheet and uploading it scheduling double digit pins in less time than it would have taken me for me to create 4-5 pins manually.

The Importance of Soft Skills and Adaptability in the Future Workforce

In the future, soft skills like critical thinking, communication, and collaboration will be essential. These skills will help you work with others, solve problems, and adapt to change. While technical skills are important, soft skills will set you apart. They make you a well-rounded and valuable employee.

Wrap-Up

Lifelong learning isn't just a trend, it's a necessity for thriving in today's world. It enhances your career, boosts your mental agility, and makes you more adaptable to change. By cultivating a growth mindset and overcoming barriers, you can unlock your full potential. So, embrace the journey of continuous learning. Take action towards your learning goals, and remember that the power of learning can transform your life.

Resources:

Ryan Robinson Blogging Tools

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