Start Smart Investing – How to Get Into the Market

The stock market is hard to figure out. The best advice I have ever heard is “buy low and sell high.” The lack of practical and useful details in the saying makes it hard to apply. My actual personal experience has all too often been closer to “Buy high and sell low.” If you put the view of the stock market into the lens of the Millennials, the markets is even more intimidating. Since 1990, the market has been up, down, up and down and back up again, with many fluctuations in even the calmer periods of time. From their perspective, the stock market has cost many of their parents’ significant percentages of their savings or even their home and may have added years to their need to work. Someone who is 30 years old today has a lot of negative investment history to overcome.

The sad truth is that for someone to make headway against inflation, investments better than money market accounts, bank accounts, Treasury bills and even certificates of deposits are necessary. Only 45% of American households hold mutual funds while the number of households investing in the stock market is only a little higher at 52%.

On the other hand, according to CreditDonkey.com, approximately 26% of Americans have no savings set aside for the inevitable emergencies and over 35% have saved nothing towards their own retirement. 38 million households live paycheck to paycheck! Those figures show that most Americans are nowhere close to adequately saving for retirement. See Save More – 10% Isn’t Enough for details.

It is time for people, especially Christians, to take a responsible view of their financial futures and be better stewards of what they have. It is time to start, even if slowly.

There is much wisdom in the book of Proverbs. Even though written over 2,500 years ago, Proverbs is full of wisdom for life, work and even for investing. We see in Proverbs 21:5 teaches us that, “The plans of the diligent lead to profit as surely as haste leads to poverty.” In other words, start slow and work at a reasonable pace towards reachable goals. That is the beginning of a good plan.

How do I start?

In It’s Time to Start Saving we have laid out a plan for starting, one that is time-tested and true. While it may seem counter-intuitive and it definitely is counter-cultural, start saving with a giving plan by paying God first. Then begin with a budget and save, first for an emergency fund, next for retirement, then debt elimination and finally save even more for retirement using tax-favorable vehicles such as 401(k)s and IRAs. It’s Time to Start Saving and Ideas for Living Better Through Stewardship have other ideas that can help along the way.

Learn about what you are doing

Yes, you are to trust in the Lord, but that does not mean take no responsible steps to prepare for the future. There are free seminars you can attend. Look for and read the financial sections of newspapers to improve your general money knowledge. There is a lot available at low or even no cost to help you learn to improve your finances, including the many resources of your nearest public library.

The amazing opportunities for learning in the digital age are not to be ignored either, although they must be used with caution. You do have to be careful because there are many unreliable, dishonest, and even crack pot investment schemes, especially on the Internet.

Consider hiring a good financial adviser to help you invest and to learn about investment and financial management. The Idlewild Foundation can give you ideas on good sources of information.

A good starting point is Stewardship Partners which has a video on Biblical investing and other helpful information. The Idlewild Foundation has worked with the National Christian Foundation, (NCF). NCF helps investors with charitable giving and is an amazing resource as you move forward with your financial progress.

Have a purpose and a plan

Saving is not merely for the sake of saving. There should be a purpose, a goal, and a plan to reach that goal. Preparation for emergencies is certainly a Biblically and rationally solid purpose for savings. Setting aside money for your family is also good. Retirement savings are also a solid purpose, but the question “How much is enough?” should be asked early on and the answer God leads you to should factor into those plans.

In answering the question, “How much is enough?” consider Paul’s wisdom:

2 Corinthians 9:11
11 You will be enriched in every way so that you can be generous on every occasion, and through us your generosity will result in thanksgiving to God.

We are blessed, enriched, financially not for our personal pleasure or benefit but for God’s glory through our generosity. Considering God to be a part of your plans is a solid way to make greed less likely to win you over during times that are financially prosperous.

Another aid against greed is an accountability partner or partners who are Christ-focused and will be willing to hold you to your commitments. An excellent example is in the video of John Baumer and his friends who formed a Board of Directors for Life.

Regardless of where and how you start, perhaps the best way to start is slowly, recognizing that you are in it for the long-run. There are some general ideas that are useful:

Watch out for fees and commissions. This concern includes internal and more hidden fees. Always compare costs and expenses. Especially if you are investing in individual stocks, transaction fees can eat up your gains rapidly. Be patient.

Don’t get scared and don’t over-react. There will be downs as well as ups. If you are young enough, some of your investments should be in growth stocks. Certainly, some should be conservative but if you have enough years to make up for some losses, don’t be overly conservative. Stay away from speculation.

Diversify but still keep it manageable. There is a need for you to have investments across multiple markets and asset classes. Despite that, there is also a need for you to be able to track what is happening and, if something unexpected happens, reach without undue expense or difficulty.

Do not try market timing. Studies have shown that market timing, buying at the early stage of a rising market and getting out when it falls, is harder than it sounds. Without foresight into market moves, it is impossible to know what the market is going to do next. You don’t know it is the early stage of a rising market or how long and how far a market fall will go on is never certain, to say the least.

Look at but don’t live by historical performance. Every stock or mutual fund portfolio you will ever see will warn you that historical performance is no guarantee of future performance – and that is true. On the other hand, historical performance may be a way to show good investment research by a mutual fund manager, so it may not be something to totally ignore. Other considerations include researching historical performance during rising and falling markets to see how risky a particular stock or fund may be.

Watch. Being patient and knowing that you are in the market for the long haul does not necessarily mean ignoring your investments. Certainly, you should not panic at the first downturn, but you may want to adjust your plan and your goals depending upon developments in your income, the business or industry in which you work or the economy as a whole.

Keep adding to your investments. Continuing to add to your investment savings is by far the most important idea.

There are no certainties except that if you never start, you certainly will never have an opportunity to have investment success.

About the Author

John Campbell has retired from a 40-year legal practice as a trial attorney in Tampa. He has served in multiple volunteer roles at Idlewild Baptist Church in Lutz, Florida, where he met Jesus. He began serving as the Executive Director of the Idlewild Foundation in 2016. He has been married to the love of his life, Mona Puckett Campbell, since 1972.

The Death Grip of Stuff

We are going to start with a few definitions. According to Dictionary.com, materialism can be defined two ways:

1. preoccupation with or emphasis on material objects, comforts, and considerations, with a disinterest in or rejection of spiritual, intellectual, or cultural values.
2. the philosophical theory that regards matter and its motions as constituting the universe, and all phenomena, including those of mind, as due to material agencies.

The definition of greed is more specific:

1. excessive or rapacious desire, especially for wealth or possessions.

Finally, there are two definitions of covetousness:

1. inordinately or wrongly desirous of wealth or possessions; greedy.
2. eagerly desirous.

I start this way because it is important for us to know our enemies and be able to recognize them. But materialism, greed and covetousness are sneaky and conceal themselves well. That isn’t just my opinion, it is the opinion of the Apostle Paul and of Jesus as well. How can I say that? It’s easy.

Look at it this way. If you were concerned that someone might do something wrong that was easy to see and obviously wrong, one simple warning would probably be enough. Only if it were something that was deceptively easy to fall into, or something exceptionally dangerous (or both) would you give multiple warnings. Jesus and Paul both warned against materialism, greed and covetousness many times, more than any other sin. Examples include Mark 7:22, Luke 12:15, Romans 1:29, 1 Corinthians 5:11 just to list a few. Add to those the many warnings against materialism, greed and covetousness in the Old Testament and you have a sin that was a common topic. Why? I believe it is because these are sins that are difficult to spot at times, can easily creep into your life, and whose grip is extraordinarily hard to overcome once they have set into a person’s life.

One problem I have wrestled with is my natural reaction – “Hey, I worked hard and I have earned this as a reward for all of my effort, skills and sacrifice.” That is a very natural, very common and very sinful reaction. It is also nothing new. Solomon was right when he said that there is nothing new under the sun. Ecclesiastes 1:9.

Deuteronomy 8:17-18
17 You may say to yourself, “My power and the strength of my hands have produced this wealth for me.”
18 But remember the LORD your God, for it is he who gives you the ability to produce wealth, and so confirms his covenant, which he swore to your ancestors, as it is today.

I have no excuse and no escape. All I have came from God and all I have belongs to Him, and that includes my skills, education, training and talents.

So now let’s get back to the fact that Jesus and Paul warned against materialism, greed and covetousness so many times. Why so many warnings against them? Because materialism, greed and covetousness are hard to recognize, especially in oneself, and it is an unusually dangerous sin once it is entrenched in a person’s life. The warnings were necessary to catch our attention. Think about it. How many times did Jesus and Paul warn against the sin of murder? How many times did they warn against stealing? Far less than against materialism, greed and covetousness.

One of the sad evidences of the sneakiness of materialism, greed and covetousness is the prevalence of greed in the church and the church’s response. If a church member bragged about being a murderer, the response from the church would be immediate and direct, and you could be sure it would not be ignored. But if someone makes enormous income and flaunts it, the expensive new home in the gated community, several new cars, flashy clothes and jewelry and more, probably nothing would be said openly except, “I hope you are giving based on your income.” In fact, if the new wealth caused the person to divorce his spouse and go after younger women, probably more would be said about that than about materialism, greed and covetousness.

It is a sin that needs to be addressed.


A practical view

Part of the deceptiveness of materialism, greed and covetousness is that they can be hidden so well. No one greeting at the door of the church asks for a copy of members’ tax returns or a financial balance sheet. I am a greeter so I know that for sure. No greeter even checks to see if people entering give, much less tithe. Someone on the church staff certainly knows if someone gives, but probably they have no idea if the giving is more or less than 10% of net or gross income.

Someone could be wealthy and have millions locked up in investment accounts, real estate and other assets but if that person lived frugally, you would never know. Even so, that person with great wealth is probably under the grip of materialism, greed and covetousness. Why else would they keep it and keep it hidden?

Or they might even display some of that wealth and live well. There is no prohibition against wealth or living well. After all, it is still His and He could take it back in a heartbeat (literally), if He wanted.

There is no requirement that we live frugally or immediately give it all away. Instead of that, we are supposed to avoid becoming entangled by our wealth because that wealth can cause us to lose sight of God. That is financial freedom. See Checking on Your Financial Freedom which we will post next month.

Unfortunately, what stuff we have as a result of where we were fortunate enough to be born, creates a great many temptations and traps which can hold us to our wealth. We Americans are blessed with wealth and resources far beyond anything anyone in the past has had. We have air conditioning for our homes, businesses and even our cars. Imagine what Solomon would have paid for an air-conditioned chariot much less an air-conditioned bedroom. We have cars, trains and planes that allow us to travel anywhere in the world in less than two days. Even in the 1800’s, overseas journeys took weeks or months, not hours. Imagine what the Roman Empire would have paid to get a hold of an M-1 Abrams battle tank or even a few assault rifles with a lifetime supply of ammunition.

However, mixed in with that blessing is a curse: the curse of too much. In fact, we have so much that many get the impression we do not need God or a Savior. Their

Psalm 20 reads:

Psalm 20:7
7 Some trust in laws and some in authority,
but we trust in the name of our lord, wealth.

Instead of the original (in the NIV):

Psalm 20:7
7 Some trust in chariots and some in horses,
but we trust in the name of the LORD our God.

Many are not only deceived by their stuff, they become trapped by it. It is easy to become comfortable, to enjoy the material blessings, to become dependent upon them and finally, to be a slave to our stuff. That expensive new smart phone demands your attention either with a special ring tone or vibration despite the fact that you don’t know what half of the features really allow you to do. That beautiful jewelry is expensive but it is so expensive that wearing it seems dangerous. But you spent all that money on it, so you can’t keep it locked up all the time. The new car has to be carefully parked because it might get dinged by someone parking next to it. Your stuff begins to demand your attention and ultimately ends up demanding your life.

As a work-a-holic, I know the strength of the draw of the world and the greed that wealth generates. I worked for money, but worked so hard I had little time to enjoy it. That didn’t matter, I just worked harder. Work became something I worshiped and loved, not merely a way to earn a living. It became my love and my life, my god.
The power and availability of toys and stuff becomes so addictive that it is relatively easy to miss sight of what and who is really important. So, how do you either avoid or escape the grasp of your stuff?

How to avoid materialism, greed and covetousness

There is a short but very practical start to overcome greed. It is found in Acts 20.

Acts 20:28-34
28 Keep watch over yourselves and all the flock of which the Holy Spirit has made you overseers. Be shepherds of the church of God, which he bought with his own blood.
29 I know that after I leave, savage wolves will come in among you and will not spare the flock.
30 Even from your own number men will arise and distort the truth in order to draw away disciples after them.
31 So be on your guard! Remember that for three years I never stopped warning each of you night and day with tears.
32 “Now I commit you to God and to the word of his grace, which can build you up and give you an inheritance among all those who are sanctified.
33 I have not coveted anyone’s silver or gold or clothing.
34 You yourselves know that these hands of mine have supplied my own needs and the needs of my companions.

Just as Moses in Deuteronomy 18 had to deal with the same issues and excuses I have tried recently, Paul and the people of his church in Corinth struggled with many of the same issues we call contemporary. They were strong with Paul present, but Paul was concerned that they would backslide hen confronted with lies and false teaching (Acts 20:28-30). He then described to them how he taught them and how he resisted covetousness and greed. (Acts 20:33-34). His strength and his teaching was to commit them to God and to the word of His grace. (Acts 20:32). That word of God’s grace is, in fact, the gospel. The gospel is the good news which is that that we are saved through faith and not by our own efforts or works. Ephesians 2:8-9.

We need to know and fully understand that nothing of this world can compare to the riches He offers us. No earthy treasure will last, and no heavenly treasure can ever fade.

Matthew 6:19-21
19 “Do not store up for yourselves treasures on earth, where moths and vermin destroy, and where thieves break in and steal.
20 But store up for yourselves treasures in heaven, where moths and vermin do not destroy, and where thieves do not break in and steal.
21 For where your treasure is, there your heart will be also.

When we fully grasp that and the future we will have for eternity with God, we can’t turn back and the lure of stuff fades. There is an old joke about a wealthy man who insisted in bringing his gold with him to heaven. He pleaded with St. Peter and begged with him only to be met with a final denial in the form of one simple question, “Why would you want to bring paving stones into heaven?” Revelation 21:21.

That is what comes to us with the new life we have in Christ. Romans 6:4.

A new life

If a practical step about that new life and the power to resist the temptation of stuff is what is needed, here it is, generosity. That may sound odd. “You mean giving my stuff to someone else so they can enjoy my stuff will help me not love my stuff?” Yes, that is true, so long as the giving takes place in the context of God’s love and His priority in the lives of believers.

In fact, if you go back to that passage in Acts 20, you can see that what Paul is really saying is that to the extent you “get” the gospel, to the extent you fully grasp His love and sacrifice for you, you will be radically generous because “it is more blessed to give than to receive.” Acts 20:35. Or, as Pastor Tim Keller in a wonderful video has so well stated it, the inverse is also true, “If you are not radically generous, you can say all you want that you believe the gospel but you actually don’t.”

Giving, especially giving radically, is our expression of our trust in Christ! He has instructed us that we have nothing to worry about because God cares for us and will provide. Matthew 6:25-34. And you have to keep the perspective that you are not giving away your stuff, you are giving away His! It is always easier to give away someone else’s money.

His promises for us should overcome all concerns. Luke 6:38 and 2 Corinthians 9:6.

But keep sight of the fact that generosity is far, far more than writing a check, even writing a big check. Stewardship is a whole life activity. See The Stewardship of Time, Part 1 and Part 2. Give your time, your talents as well as of your treasures. Give your L.I.F.E., Labor, Influence, Financial resources and Expertise. It all belongs to Him anyway.

In giving, make it meaningful, make it from your firstfruits, and make it from the heart. See a posting coming March 15, Winning the Financial Game, for further details. Give God your best L.I.F.E., not your leftovers.

Yes, you did work long and hard for the stuff you have. Yes, it is good stuff. But ask yourself, “Do you own your stuff, or does it on you?”

About the Author

John Campbell has retired from a 40-year legal practice as a trial attorney in Tampa. He has served in multiple volunteer roles at Idlewild Baptist Church in Lutz, Florida, where he met Jesus. He began serving as the Executive Director of the Idlewild Foundation in 2016. He has been married to the love of his life, Mona Puckett Campbell, since 1972.

A Great Start to 2021

New Year’s Resolutions to Kick-Off the Year

What are your New Year Resolutions for 2021?  Lose weight – check, exercise more – check, and get in better shape – long overdue! Those three resolutions are there for me almost every year. But then life happens! Sometimes I keep such a resolution for a few weeks or maybe even a few months with strong encouragement. After that, the busy days of spring begin to take over.

Instead, join me and make one of your resolutions for 2021 to review family financial and estate plans. Significant life changes (and even significant market or legal changes such as increasing income tax rates) are something that should trigger in our minds the question, “Do I need to change my will or trust?” or “Should I change any of my beneficiary designations?” If you need an easy way to keep track of your bequests and beneficiary designations on bank accounts, IRAs and financial or investment accounts, make a list. It is best done on a computer file so you do not have to re-do the entire document each time there is a significant change, but then print it and keep it with your estate and financial documents just in case your computer files are somehow lost. For a few additional thoughts on this topic, see A Few Estate Planning Pitfalls (especially #3) and A Few More Estate Planning Pitfalls.

Also, think about adding a few fresh ideas in which your entire family can become involved! Here are some things we are trying that I can offer as suggestions to prayerfully consider.

  1. Serve: Serve together as a family, a small group or just as a group of friends.  Find a ministry that touches your heart and about which you can be passionate. Schedule yourself to serve regularly in this ministry with your family, a group of friends, or involve your small group. On a simpler note, you can visit a friend you haven’t seen in a while, perhaps someone out with an illness or injury. Always remember that stewardship is a L.I.F.E activity that is not limited to dollars and cents. It involves your Labor, your Influence, your Financial resources, and your Expertise, your entire L.I.F.E. Stop by the MVNT booth in the Gatheria at Idlewild. Learn how you can discover God’s gifting to you and put your gift(s) into joyful service. You can give an hour a week – yes, you really can.

2. Broaden your view: Look for new opportunities to broaden your stewardship. Never neglect giving your tithe to your home church. Check out Does the New Testament Teach Tithing?, More on the Tithe – Tithes and Offerings 1, and More on the Tithe – Tithes and Offerings 2. Know that God has also called us to give over and above the tithe. Read and reflect upon Deuteronomy 15, Matthew 23:23, and Luke 12:33-34.

3. Give generously and wisely: When you find a ministry that touches your heart, consider giving as well as serving. You can give in different ways. Instead of just monetary giving, consider giving an appreciated asset, stock, or a piece of property. This type of giving may be better for both you and the charity than if you sold and donated the net proceeds. This strategy may reduce your tax burden if done correctly (and wisely) and increases the amount the charity receives – and what that charity can do. Not sure how to do this? The Idlewild Foundation can show you how. Just give us a call at (813) 264-8713. And never forget God in your giving.

4. Learn about Giving Funds: Explore the possibilities of a Donor Advised Fund that will allow you a deduction now, but choose who you want to support and how much you will give at a future date. This kind of fund can be an efficient means of setting up recurring donations and makes record keeping for taxes easy. Learn more at Ways to Give, or just give us a call. Now, with the new administration in Washington and with there being a great likelihood of either direct or indirect tax increases, more than ever you need to examine tax-wise giving. We can help!

5. Share your experience with others: If you have a life example of how God has blessed you and how you have given back to Him, share your story. Tell your small group, your friends, and your family about how you’ve been blessed and how you’ve been able to bless others.

6. Accelerate your life: In 2021 as Idlewild completes its debt elimination program, Accelerate, and increases its kingdom investments, join Pastor Ken in that goal. Be a part of Accelerate! Give over and above the tithe to accelerate payment of the last of the debt and allow Idlewild to enter a new phase of even more service to the kingdom.

Here’s another idea! Why not spend some time reviewing your spending for 2020? By looking at your bank and charge card statements you’ll get a pretty good picture of where your money was spent and what your priorities have been. Did you find ways to glorify God through any of your spending? Did your spending in 2020 give more glory to yourself than to God? Could you do better? Give God the credit He is due. He made your income and your abilities possible.


Deuteronomy 8:18
18     But remember the Lord your God, for it is he who gives you the ability to produce wealth …


Give God the credit He is due. He made your income and your abilities possible.

Take some time to sit down with your family and discuss ways to manage your money more effectively. Consider speaking with someone from the Stewardship Ministry of Idlewild Baptist Church or with us at The Idlewild Foundation. We can give you tips and ideas in managing your money. And don’t worry. You won’t be bludgeoned until you agree to give money to the Foundation! On the other hand, you will learn ways that you can further God’s kingdom by sharing His blessings with others – with open hands!

You can contact us at The Idlewild Foundation, (813) 264-8713 or email me at jcampbell@idlewild.org. Make 2021 a year to celebrate!

 

About the Author

John Campbell has retired from a 40 year legal practice as a trial attorney in Tampa. He has served in multiple volunteer roles at Idlewild Baptist Church in Lutz, Florida, where he met Jesus.  He began serving as the Executive Director of the Idlewild Foundation in 2016.  He has been married to the love of his life, Mona Puckett Campbell, since 1972.

Save $ in 2021

Saving money is a challenge. The money seems to (and does) build up slowly and the temptations to cheat and spend rather than save are like dieting temptations, easy to find and hard to resist. Here are a few practical ideas to keep your savings increasing and to help you hold the line on spending. When you save on one of the ideas here, save the money toward an emergency savings account, your retirement or a special trip and vacation.

Try these ideas and save:

1. Your car insurance rises every year even though your car is older and is worth less. You would think at least the collision coverage would decrease. It will, if you decide to shop around at least every three years. You may not want to decide based upon premium cost alone, because there is a lot to be said about receiving good service; but if money is tight, shop around. 

2. If you have emergency savings, go with high deductible collision coverage. You can save a lot that way. I will admit it may cost you if you have an at fault accident, but if you go several years without an accident, your savings will far exceed the amount of your deductible. If you don’t have an emergency savings fund, start one now.

3. Shop your homeowners coverage as well. Those premiums tend to rise more than the value of your home. Home insurers, like car insurers, count on your not wanting the hassle of changing carriers.

4. Drop your magazine subscriptions. Check and you may find the very same magazine is available at your nearest public library. Or, alternatively, spend a quiet evening at a local bookstore, reading your favorite magazines for free.

5. Hold a garage sale. Go through your closet and find clothes you have not worn in a year. The chances are you will never wear it if you haven’t worn it in a year. Pull the junk out of your closets you never use and out of the attic that you stuffed up there and see if there is someone else who wants your junk. You won’t make a lot, but you will make more than doing nothing will make for you. Alternatively, try eBay or sell online. A second alternative is for you to donate what you have to a Christian thrift store and take the deduction on your tax return if you are able.

6. Check your Internet, cable and phone plans. You can almost always improve your plan and save money if you check once a year. Ask yourself if you really need that landline. We dropped ours over a year ago and discovered we received fewer junk calls during dinner.

7. Get a free energy audit from your power company and see where your electric use can be trimmed. Consider adding attic insulation if your house is old, many types of older insulation settle and lose R-value, costing you money every month. Alternatively, you could do something really radical and turn off the lights when you leave a room.

8. Drop your gym membership and take up walking. It is easier on the knees and hips than jogging, can be done well into your 70’s, and is free!

9. Keep your tires properly inflated, put the right gas in your car and maintain it based upon the manufacturer’s recommendations.

10. If you use AAA for emergency roadside service, go to an AAA location and check out their available gift cards. You get a 3 to 5% credit in AAA dollars towards your next year AAA bill. If it is a card for a restaurant you are going to eat at anyway, a store you will shop at anyway (or even Amazon Smile), or a gift card you would give as a gift anyway, you will save an annual AAA fee in a fairly short time, certainly less than a year.

11. While I am on the topic of gift cards, buy them at a discount from a discounter like giftcardgranny.com. You can at times find meaningful discounts on hundreds of gift cards including Walmart, Target, and many large retailers.

12. Buy used, not new. A used car, if checked out carefully, is a great savings over a new car. New cars lose thousands of dollars almost the same moment you drive the car off the lot. If the car isn’t too old, you may still have some warranty left – always check. If buying a used car, always check the obvious things such as the tires. Many dealers will put new tires on a car if you spot a worn or repaired tire.

13. Used books are readily available at thrift stores, or, even better free books, magazines and videos are available at the public library.

14. Buy an Entertainment Book and eat out for 50% at many restaurants. Try Entertainment Books and see what restaurants and services are covered in your area. In the Tampa Bay area there are over 150 restaurants and services offering substantial discounts. You quickly save the cost of the book, try new places and then save a lot more.

15. Save without the hassle of coupons. There is a rather remarkable website worth checking – Savingstar. You can go to their free website, check the products you want to buy from a store and get cash back after you shop. You can link your store loyalty card or upload the receipt and save. The stores available can be seen from the site and include Publix, WalMart, Target, CVS, Walgreens and literally hundreds of other retailers.

Saving just requires that you try. The problem is that we tend to get so busy, that time is a commodity that is hard to find. But if you can find the time to try a few of these ideas here, you can save a lot. If you have additional ideas, call or email us and we will pass them on.

About the Author

John Campbell has retired from a 40-year legal practice as a trial attorney in Tampa. He has served in multiple volunteer roles at Idlewild Baptist Church in Lutz, Florida, where he met Jesus. He began serving as the Executive Director of the Idlewild Foundation in 2016. He has been married to the love of his life, Mona Puckett Campbell, since 1972.