๐“๐‡๐„ ๐‰๐Ž๐’๐„๐๐‡ ๐๐‘๐ˆ๐๐‚๐ˆ๐๐‹๐„: ๐ˆ๐ ๐“๐‡๐„ ๐’๐„๐€๐’๐Ž๐ ๐Ž๐… ๐๐‹๐„๐๐“๐˜

Dominic Pedro

New member
๐“๐‡๐„ ๐‰๐Ž๐’๐„๐๐‡ ๐๐‘๐ˆ๐๐‚๐ˆ๐๐‹๐„: ๐ˆ๐ ๐“๐‡๐„ ๐’๐„๐€๐’๐Ž๐ ๐Ž๐… ๐๐‹๐„๐๐“๐˜.

In the book of Genesis 41, Pharaoh had a dream: seven fat cows and seven thin cows; seven full heads of grain and seven withered heads.

Joseph interpreted it: ๐“๐ก๐ž๐ซ๐ž ๐ฐ๐จ๐ฎ๐ฅ๐ ๐›๐ž ๐ฌ๐ž๐ฏ๐ž๐ง ๐ฒ๐ž๐š๐ซ๐ฌ ๐จ๐Ÿ ๐ฉ๐ฅ๐ž๐ง๐ญ๐ฒ, ๐Ÿ๐จ๐ฅ๐ฅ๐จ๐ฐ๐ž๐ ๐›๐ฒ ๐ฌ๐ž๐ฏ๐ž๐ง ๐ฒ๐ž๐š๐ซ๐ฌ ๐จ๐Ÿ ๐ก๐ฎ๐ง๐ ๐ž๐ซ.

What many people miss is this: ๐๐ฎ๐ซ๐ข๐ง๐  ๐ญ๐ก๐ž ๐ฌ๐ž๐ฏ๐ž๐ง ๐ฒ๐ž๐š๐ซ๐ฌ ๐จ๐Ÿ ๐ฉ๐ฅ๐ž๐ง๐ญ๐ฒ, ๐„๐ ๐ฒ๐ฉ๐ญ ๐ฅ๐จ๐จ๐ค๐ž๐ ๐ž๐ฑ๐š๐œ๐ญ๐ฅ๐ฒ ๐ญ๐ก๐ž ๐ฌ๐š๐ฆ๐ž ๐š๐ฌ ๐ž๐ฏ๐ž๐ซ๐ฒ ๐จ๐ญ๐ก๐ž๐ซ ๐ง๐š๐ญ๐ข๐จ๐ง. The difference was not visible.

Everyone was eating. Everyone was harvesting. Everyone had enough. If you visited Egypt in year three of plenty, you would see no difference between a wise person and a foolish person. Both had food on the table. Both looked blessed.

๐“๐ก๐ž ๐๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐œ๐ž ๐ฐ๐š๐ฌ ๐จ๐ง๐ฅ๐ฒ ๐ซ๐ž๐ฏ๐ž๐š๐ฅ๐ž๐ ๐ฐ๐ก๐ž๐ง ๐ก๐ฎ๐ง๐ ๐ž๐ซ ๐œ๐š๐ฆ๐ž.

When famine hit, the nations that ate everything during the years of plenty had nothing. Egypt, which saved during the years of plenty, had more than enough. In fact, Egypt became a major source of food during the famine because it had reserves.

๐“๐ก๐ข๐ฌ ๐ข๐ฌ ๐ž๐ฑ๐š๐œ๐ญ๐ฅ๐ฒ ๐ก๐จ๐ฐ ๐จ๐ฎ๐ซ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž๐ฌ ๐ฐ๐จ๐ซ๐ค ๐ญ๐จ๐๐š๐ฒ.

When business is booming, when you are getting that bonus at work, when your salary is coming on time, when your market is sellingโ€”๐ž๐ฏ๐ž๐ซ๐ฒ๐จ๐ง๐ž ๐ฅ๐จ๐จ๐ค๐ฌ ๐ญ๐ก๐ž ๐ฌ๐š๐ฆ๐ž.

The person saving K500 and the person spending K5,000 on a weekend in Siavonga both look happy. Both post on Facebook. Both look blessed.

๐๐ฎ๐ญ ๐ฉ๐ฅ๐ž๐ง๐ญ๐ฒ ๐๐จ๐ž๐ฌ ๐ง๐จ๐ญ ๐ฅ๐š๐ฌ๐ญ ๐Ÿ๐จ๐ซ๐ž๐ฏ๐ž๐ซ.

For some, hunger comes as:

โ€ข A job loss
โ€ข A medical emergency
โ€ข A business going down for three months
โ€ข January school fees when the December salary has already been spent
โ€ข A car breaking down

๐‰๐จ๐ฌ๐ž๐ฉ๐ก ๐๐ข๐ ๐ง๐จ๐ญ ๐ฐ๐š๐ข๐ญ ๐Ÿ๐จ๐ซ ๐ก๐ฎ๐ง๐ ๐ž๐ซ ๐ญ๐จ ๐ฌ๐ญ๐š๐ซ๐ญ ๐ฌ๐š๐ฏ๐ข๐ง๐ . ๐‡๐ž ๐ฌ๐š๐ฏ๐ž๐ ๐๐ฎ๐ซ๐ข๐ง๐  ๐ฉ๐ฅ๐ž๐ง๐ญ๐ฒ.

Genesis 41:48 says: โ€œJoseph collected all the food produced in those seven years of abundance in Egypt and stored it in the cities.โ€

He didn't save 10%. He saved 20% of the harvest. The Bible says in Genesis 41:34: โ€œLet Pharaoh take a fifth of the harvest during the seven years of abundance.โ€

๐–๐ก๐š๐ญ ๐๐จ๐ž๐ฌ ๐ญ๐ก๐ข๐ฌ ๐ฆ๐ž๐š๐ง ๐Ÿ๐จ๐ซ ๐ฒ๐จ๐ฎ ๐ญ๐จ๐๐š๐ฒ?

1. ๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐š๐ซ๐ž ๐ข๐ง ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ ๐š๐ง๐ ๐ฆ๐š๐ค๐ข๐ง๐  ๐ฉ๐ซ๐จ๐Ÿ๐ข๐ญ โ€” This is your season of plenty. Don't eat all your profit. Don't upgrade your lifestyle to consume all your profit. Save part of your profit as if a difficult season is coming, because one day, sales may drop.

2. ๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐š๐ซ๐ž ๐ž๐ฆ๐ฉ๐ฅ๐จ๐ฒ๐ž๐ ๐š๐ง๐ ๐ ๐ž๐ญ๐ญ๐ข๐ง๐  ๐š ๐›๐จ๐ง๐ฎ๐ฌ ๐จ๐ซ ๐š๐ฅ๐ฅ๐จ๐ฐ๐š๐ง๐œ๐ž โ€” That bonus is not simply an opportunity to upgrade your lifestyle. It can also become your reserve for the days when there will be no bonus. Save part of it.

3. ๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ๐ซ ๐ฌ๐š๐ฅ๐š๐ซ๐ฒ ๐ข๐ฌ ๐œ๐จ๐ง๐ฌ๐ข๐ฌ๐ญ๐ž๐ง๐ญ ๐ง๐จ๐ฐ โ€” Push hard NOW. Work overtime when possible. Start that side hustle NOW. Build your skills NOW. Because you don't know when the company will restructure or when circumstances may stop you from working.

๐ƒ๐จ๐ง'๐ญ ๐›๐ž ๐๐ž๐œ๐ž๐ข๐ฏ๐ž๐ ๐›๐ฒ ๐ญ๐ก๐ž ๐ฌ๐ž๐š๐ฌ๐จ๐ง ๐จ๐Ÿ ๐ฉ๐ฅ๐ž๐ง๐ญ๐ฒ.

๐Œ๐˜ ๐…๐ˆ๐๐€๐‹ ๐“๐‡๐Ž๐”๐†๐‡๐“

Many Zambians may look financially comfortable in December because of bonuses, only to borrow for school fees in January. They consumed everything during the season of plenty.

๐“๐ก๐ž ๐ฐ๐ข๐ฌ๐ž ๐ฉ๐ž๐ซ๐ฌ๐จ๐ง ๐ฆ๐š๐ฒ ๐ฅ๐จ๐จ๐ค ๐›๐จ๐ซ๐ข๐ง๐  ๐๐ฎ๐ซ๐ข๐ง๐  ๐ฉ๐ฅ๐ž๐ง๐ญ๐ฒ ๐ฌ๐จ ๐ญ๐ก๐š๐ญ ๐ญ๐ก๐ž๐ฒ ๐œ๐š๐ง ๐›๐ž ๐ฌ๐ญ๐š๐›๐ฅ๐ž ๐๐ฎ๐ซ๐ข๐ง๐  ๐ก๐ฎ๐ง๐ ๐ž๐ซ.

Save while you can. Work while you have strength. Build while doors are open.

๐๐ž๐œ๐š๐ฎ๐ฌ๐ž ๐ญ๐ก๐ž ๐๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐œ๐ž ๐›๐ž๐ญ๐ฐ๐ž๐ž๐ง ๐ญ๐ก๐ž ๐ฐ๐ข๐ฌ๐ž ๐š๐ง๐ ๐ญ๐ก๐ž ๐Ÿ๐จ๐จ๐ฅ๐ข๐ฌ๐ก ๐ข๐ฌ ๐ง๐ž๐ฏ๐ž๐ซ ๐ฌ๐ž๐ž๐ง ๐ข๐ง ๐ญ๐ก๐ž ๐๐š๐ฒ๐ฌ ๐จ๐Ÿ ๐ฉ๐ฅ๐ž๐ง๐ญ๐ฒ. ๐ˆ๐ญ ๐ข๐ฌ ๐จ๐ง๐ฅ๐ฒ ๐ฌ๐ž๐ž๐ง ๐ข๐ง ๐ญ๐ก๐ž ๐๐š๐ฒ๐ฌ ๐จ๐Ÿ ๐ก๐ฎ๐ง๐ ๐ž๐ซ.

Happy Sabbath to my SDA friends

๐Œ๐”๐“๐„๐๐“๐‡๐€ ๐Œ๐”๐“๐„๐๐“๐‡๐€

#FinancialLiteracy
#SmartMoneyMoves
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