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A P U B L I C AT I O N O F O N M Y O W N N O W M I N I S T R I E S OCT 10
support
charity
... by wearing
clothes
boost brain
power with
H 2O
Book Review:
Imaginary
Jesus
extreme
money
makeover
A Spa Day
(on spare change)
w w w. o n m y o w n n o w. c o m
single!
OCT 2010
A publication of
ON MY OWN NOW MINISTRIES
www.onmyownnow.com STRAIGHT TALK FROM THE PROVERBS
4. Respect the Appetite.
Resist the Temptation.
By Donna Lee Schillinger
CENTER RING
6.
A Different Kind of Makeover
By Kimberly Schluterman
THE RECAP
10. Book Review: Imaginary Jesus
By Jeffrey Bridgman
SPARE CHANGE
14. A Spa Day on Spare Change
EDITOR By Julie Ann
IN CHIEF
Donna Lee Schillinger
FASHION DIVINA
www.twitter.com/D_L_Schillinger
18. Support Charity ...
By Wearing Clothes
By Tamara Jane
ART
DIRECTION
Daniela Bermúdez
JUST WHAT YOU NEED
20. Boost Brain Power with H2O
By Donna Lee Schillinger
We see high
drama in the
movies all the
time, but in
real life, big
Fridge-worthy. acting does not
win awards.
APPETITE. TEMPTATION.
BY
IRRATIONAL
a day and a half when you’re at avoid the desperate act to satisfy
home in your element, but at the it using one solid piece of advice
THINGS.
exhausting end of a hard-traveled that James gave us – and it works
road, the body needs good nour- in any tempting situation: “Resist
ishment. Unless I wanted to beg the devil and he will flee from you.”
though, and I did consider it, I was We must resist temptation to sell
going to have to wait until I got to ourselves for a “quick meal” to
Salamanca to eat. Human appetites are fickle. We satisfy our cravings – both physi-
cal and emotional – because after
My bus didn’t leave until the after- can experience both extremes in we get what we so longed for, we’ll
noon, so I had the morning to see one day. When we have a need find ourselves wondering how we
some sights. Seville is a beautiful to be satisfied, we feel desperate ever could have been so desperate.
city with streets lined with orange enough to try anything. When that
trees. While strolling along the need is finally satiated, we disdain Hold this thought:
streets, those oranges were start- the very thing we had been wildly
ing to look pretty good. Someone craving only minutes before.
WHEN I’M FEELING
had told me they were not edible;
MY WEAKEST,
Strong cravings cause us to do ir-
they were an ornamental variety rational things – like Esau did when
of orange and very bitter. In our he sold his place as first-born son,
proverb lived out, I was so hungry and all the privilege that went with
I didn’t care what people had told it, for a bowl of lentil stew. “What
me -- I was going to try it for myself. an idiot!” we say. Esau didn’t do IT’S THEN I NEED TO
I was ravenous; I would have eaten
HOLD ON.
anything any of us are not capable
the bark off the tree. The reports of doing when we’re hungry for
were true that the oranges were something – food, sex, affection,
5
CENTER RING
a different
kind of
makeover
by k i m b e r l y s c h l u t e r m a n
6
baby
1
So that’s what we did. And the first chapter was all we money, but his reasoning is rea-
did for about 12 weeks. It wasn’t so easy to dismiss, sonable. Essentially, if you don’t
however. Some of the concepts lingered in our minds,
and after things finally settled down post-wedding,
step have some money stashed away
for emergencies – which are as
we ended up wanting to read the rest together. And certain as death and taxes – then you will go into debt
the result was surprising! For two people who consid- again in order to pay for them. The quick $1000 is
er themselves advanced personal money managers, the first step in breaking the debt cycle. Ramsey gives
that book totally kicked our butts. Although almost specific rules about where to keep the money, but to
90 percent of the book was stuff we already knew, summarize, he wants it on-hand but tucked away. It
the 10 percent that wasn’t has changed our lives. needs to be something you can put your fingers on
today if necessary, but also something that you’re
Below is an overview of the principles in the book, not going to lay your fingers on unless it is absolutely
and I would encourage you to consider their wisdom. imperative. A Certificate of Deposit that has an early
Ramsey is a Christian, but this book is not about withdrawal fee is not the place for your $1,000, but
Christian finances, per se. His wisdom is, however, neither is your purse.
old-fashioned and sensible. The program he lays out
is simple and straight-forward, but for the person of If you are reading this and thinking, “Ha – a thousand
average self-discipline, kind of tough to follow. dollars might as well be a million!” then I’ll beg you
to read just the first chapter like I was “forced” to do.
The Dave Ramsey financial plan is broken down into It’ll change your outlook and your life. The key is to
seven “baby steps.” Steps 4, 5, and 6 include saving get the money quick, like within a month or two. Sell
for college, quickly paying off your home mortgage, things, cancel your cable and unplug everything that
and investing for retirement. Since those are way uses electricity if you have to. But save $1,000.
down the road for both you and me, I’ll let you read
baby
2
the book and learn about those yourself. I want to Pay down what Ramsey calls
talk about 1-3 and 7. In general, the book assumes the the “debt snowball.” Whereas I
reader is the average American, meaning you have
debt (car, students loans, credit cards). If you’re not
step would have thought that if you
have multiple creditors, the
in debt, good! You’re ahead of the game and the Dave smart thing to do would be to start with the high-
plan will teach you how to never be a slave to money. est interest rate, pay it aggressively, and then move
to the next highest interest rate, Ramsey suggests
Quickly save $1,000. I was surprised by this because I otherwise. He says to start with the lowest balance,
thought he’d want us to pay down debt before saving
7
CENTER RING
pay it aggressively while paying minimum balances When you are finally finished with Baby Step 3, you
on all other debt, and then move to the next lowest. step back and think, holy cow. Can you believe you
Similar to the $1,000 quick cash, the goal is to change just did that?! I’m going to skip Steps 4-6, not be-
your behavior. It’s a baby step. If you aggressively pay cause they aren’t important, but because you have
off your lowest-balance debt, then it should pay off enough to keep you busy for a while. I have to leave
quickly. Then you’re motivated and encouraged to you a reason to read the book, right?
7
keep going! Take everything that you were paying on
your lowest balance, which is now paid in full, and ap- baby But I’m going to be a plot spoiler
and let you in on Baby Step 7:
ply it to the second lowest balance. It snowballs from
there until your debt is paid off quicker than you ever
thought.
step Build wealth and give! One of
the best parts of wealth, besides
peace of mind and security, is being able to give it
Depending on your debt, it might take a couple years away. Have you noticed that poor people can’t help
to make it through Baby Step 2. But once you have, poor people much? Although the Lord loves a sacrifi-
you’ve accomplished something major. Yes, it is dif- cial giver, he has no problem with wealth. Remember:
ficult to sacrifice for so long, but Ramsey’s motto is, the love of money is the root of evil – not money itself.
“If today you will live like no one else, later you can
live like no one else.” The Total Money Makeover spends a lot of time
teaching you about myths and not-so-secret secrets
baby
3
Finish building your emergency about money management. He rants about bad mon-
fund. Right now, you have $1,000 ey habits – and he should know, he had a bunch – and
step stashed away and no debt. That why they will leave you a slave to debt forever. By
same amount that you were pay- the way, Ramsey has been bankrupt and come back
ing toward your debt each month will now be added again, so he learned many of his lessons the hard
to your Emergency Fund. If you had been paying a car way! Ramsey informs on where to invest, how much
payment, credit cards and maybe a student loan, all to invest and strategies for success. It is not a get-
of those payments you no longer have to make can rich-quick scheme, but rather a get-rich-slowly plan.
now be applied toward building your emergency fund
quickly. Most financial advisors recommend having As you become financially independent and rely less
3-6 months of life expenses in the bank. Personally, in on your parents for financial support, you will prob-
this economy, I feel more comfortable with 9-12, but ably run across all kinds of “financial advice.” A lot
it’s your decision. of what you hear may be really, really bad advice –
and certainly not grounded in God’s word. And yet,
8
I wouldn’t say that the Dave Ramsey plan is the only
smart plan out there either. I would encourage you to
read the book and decide for yourself. If nothing else,
it’s hard to argue with his motto that if today you will
live like no one else, later you can live like no one else!
The concept of sacrificing today for a bigger payout
later will be present in any successful financial plan…
and you can take that one to the bank.
Yo u w i l l p r o b a b l y r u n a c r o s s a l l
k i n d s o f “ f i n a n c i a l a d v i c e .” A l o t o f
w h a t y o u h e a r m a y b e r e a l l y, r e a l l y
bad advice – and cer tainly not
g r o u n d e d i n G o d ’s w o r d .
9
THE RECAP
by Jeffrey Bridgman
10
The story begins with Matt and a foot-bouncin’, iPod him in the face,” and search for the real thing.
listenin’ Jesus hanging out at a cafe in Portland. Matt’s
life takes a turn for the bizarre when a stranger, who Matt recounts a time when his wife’s wrists were
we find out is actually the Apostle Peter, walks in and hurting. He prayed for her and within minutes the
punches Jesus in the face. This helps Matt to realize pain went away. Then he questioned, “What had just
that the man he was hanging out with was an imagi- happened? As strange as this may sound, this obvi-
nary, powerless Jesus, who is not capable of saving ous answer to our prayer frightened me. This was an
him from getting a parking ticket. (Although, I think unexpected and slightly terrifying Jesus.... How do
mine may have totally saved me from getting a park- you deal with a God who breaks all the rules such as
ing ticket last week.) The story continues with Matt the one which says, ‘God doesn’t do miracles today,’
embarking on a wild chase to hunt down and “deal that your confident, well-meaning friends have told
with” this impostor, hoping to uncover the real Jesus. you he will follow?”
But, you still may be wondering, what in the world is Matt eventually concludes he can’t control Jesus, and
an “imaginary Jesus”? is frightened by this fact. But this seemingly good,
The book does a good job articulating this, so below albeit scary, event later becomes the root of Matt’s
are some quotes that should help explain what the doubt and causes him to invent yet another imagi-
author means by this term. nary Jesus. It happens during another situation when
they need a miracle, and this time God doesn’t act.
“They’re constructs that tell you what Matt explains: “Sometimes seeing miracles makes
Jesus will say or do, how he feels, what the later lack of them that much harder.”
he thinks, without ever having to get to
know him.” Anyone who reads this book is likely to discover
they have created their own false concept of Jesus.
“People invent a Jesus for one specific I certainly did. In the course of my walk with Jesus,
reason and then discard him when they I have to admit I’ve turned my back on Him at times
don’t need him anymore.... The real Je- because, “I didn’t want to serve a God like that.” Now
sus is inconvenient. He doesn’t show up I understand that these times of turning away often
when you call. He asks for unreasonable stemmed from an imaginary Jesus who I created, but
things. He frightens people. He can be was tired of serving.
immensely frustrating.”
I’ve definitely met Legalist Jesus. He’s the one that
At one point Matt’s own Imaginary Jesus explains: speaks lies like, “I don’t know why you expect God
“You say you want to get rid of me, but every time to show up. You haven’t been good enough,”or “God
you send me away you call me back. The first prob- doesn’t love you when you disobey Him.” I’ve also
lem you face, the first time you pray and don’t get an met Bargain Jesus – the one that will answer our
immediate answer, you call me back, and extrapolate prayers only if we keep our side of the deal. Both of
answers to your own questions. You’re praying to these gods were so unattractive they almost made
yourself Matt.... But time after time you keep return- me turn away from Christ entirely. But in reality, I was
ing to me because deep down you prefer me to the missing the real Jesus, which is why it’s so important
real thing.” to realize we often have these false images hanging
around. There are probably more of these false con-
Essentially, the author is describing lies we tell our- cepts of Jesus in my life that I’ve yet to uncover, but
selves, and others have told us, about who Jesus is this book helped open my eyes to this critical issue.
– lies that lead us away from Christ. Following the sound advice of this book, we should
One of the goals of this book is to point out the con- seek out these false ideas of Jesus, and send them
cept of error realization. We can’t correct something packing with “a swift punch to their faces and a good
until we know it’s wrong. If we don’t know that our kick in their shins.” Don’t worry, the real Jesus will
concept of Jesus is false, we won’t know to “punch approve.
11
reba ray’s down home healthy cookin’ for one on a budget
12
ter purification rituals. However, it’s a really good
list! Most of the medical sites, like Mayo Clinic, just
10. Add ice
list a few causes of dehydration that you might be
lookin’ for in a person needing medical attention. I 9. Tear in half and toss in mint leaves
don’t endorse fancy water purification rituals, but
read Just What You Need in this issue of Single! for
some whistle-wetting gear I do recommend. 8. Gently squeeze and toss in a lemon or lime
wedge
Now, whatcha gonna
wet yur whistle with? 7. Flavored ice cubes (made out of yur favorite
juice).
I don’t fully understand it, but I hear people sayin’
all the time, “I don’t like water.” Well, OK, but ya
still need to drink it, so we better figure out a way 6. Bite and crush a piece of hard candy with the
wrapper still on and then open it into yur water.
to get past that. But first let’s look at some ways
Butterscotch, peppermint and cinnamon all work
that don’t work: Sodas. You read me right! Those well.
tiny bubbles are keepin’ yur body from processing
that water the way it needs to. Caffeinated drinks,
including sweet tea, and alcohol (but you already 5. More candy! Add red hots to the bottom of the
knew that, right?) contribute to dehydration as glass.
well. What does count toward yur 10 cups is any-
thing with water, like fruits and veggies, soup, milk,
juice and decaf coffee or tea. Trouble with gettin’
4. Toss in a few maraschino cherries and a few
squirts of lime juice from concentrate.
all yur daily hydration through sources other than
water is that all the rest of those sources have
calories. For weight management, you gotta drink 3. Try herbal teas. Every grocery store has ‘em.
some water! If you get a decent supply of fruits and
veggies, and maybe eat a yogurt or drink a glass of
milk a day, you probably only need to down 8 cups
2. Go half and half: juice and water. (All juice is a
high calorie way to hydrate.)
of liquid a day. But if yur diet in a day is dry – breads,
pastas, nuts, etc., make it 10 cups of libation. Now
for some ways to dress up water without too much 1. Kool-aid or lemonade singles are an easy way
effort, from least to greatest taste impact. to convert yur liter water bottle into a highly
tolerable sugary beverage.
13
spare change
a
spa
- day -
on spare change
15
$5
Body
Scrub:
Don’t put that oatmeal away just I was glad that I was standing in the
yet because you will need it for shower, because this turned out to
our final treatment: a total body be really messy upon application.
sugar oatmeal scrub. Store bought It was a little irritating while I was
sugar-based body scrubs cost from rubbing it in, but once I showered it
$16 to $30 and at a day spa the felt amazing. It left my skin fabu-
price will start around $50. How- lously soft and glowing for several
ever, this treatment will be just as days.
sweet with a price tag of less than
$5 per treatment. My skin was a little oily for about
30 minutes after application, so be
Instructions: Mix ¼ cup brown sure to avoid good clothes right af-
sugar, ¼ cup raw oatmeal and ¼ ter the shower. Because olive oil is
cup extra virgin olive oil. While a bit more expensive (that is what
standing in the shower, apply on makes the price on this treatment
dry skin with your hands and rub in a little higher) you can experiment
a circular motion. Turn on shower with canola or other types of oil.
and rinse off. If you want a more Coconut oil is also great, but costs
aggressive exfoliation, apply wear- even more than olive oil.
ing a loopha mit.
16
On My Own Now:
Straight talk from the
proverbs for young
Christian women who
want to remain pure,
debt-free and regret-free.
Now available at
www.onmyownnow.com,
at Amazon, B&N and a library
near you.
Unconventionally
conventional
wisdom.
⎟Fashion DIVinA⎟
19
A good JUST
DRINK W you
HAT
OF WATER by Donna Lee Schillinger
20