Category Archives: $$$ and Sense

$$$ and Sense

Habakkuk 2:2-3 (KJV)
2  And the LORD answered me, and said, Write the vision, and make it plain upon tables, that he may run that readeth it.
3  For the vision is yet for an appointed time, but at the end it shall speak, and not lie: though it tarry, wait for it; because it will surely come, it will not tarry.

There is nothing wrong with having a vision for your money as well as your life.

Growing up in the 50’s you had rough life to live. There was never an abundance or and over flow of money or things money could buy.

Those in the country had a garden and planted what they would eat and canned for the winter.

As a sharecroppers child we lived in poverty and so did the other sharecroppers children.

What lesson did I learn and what tip would I like to share today.

Make a budget. Writing down expenditures allows them to take life and knowledge of whether you can afford it in the long run.

“Early Education Matters” Betty Jarmon

Why Educating Our Children At An Early Age Matters

Children at the earliest ages should learn and realize the importance of education in their lives. Some children, however, may resist your efforts and insist on doing things their way. As a parent, the best teaching tool is your attitude. Having a positive attitude about reading and a curiosity about learning new things instills similar beliefs in your children. Show them that education is the ticket to fulfilling their dreams and having a productive life.

Parents need to teach the value of education early in a child’s life. Children are naturally curious and observant. If they see you reading books and newspapers, they may be wondering why this activity holds such interest. Tell them that they need to learn to read to be able to also share such enjoyment. Read to them often help them develop their language skills.

Impress on children the importance of school. This means getting them to school on time and modeling the importance of punctuality. Take an interest in all their homework and make sure the required assignments are completed before the due dates.

Take your children to educational yet fun parks. Instead of taking them to the malls, take them to a museum, science center or zoo. Explain to them that continuing their education will allow them to understand more about the world around them. This strategy will certainly make them more motivated to learn and study.

If your child doesn’t have his/her own computer, introduce the computer to them. Computers never fail to amaze people, especially young children. It’s amazing how quickly a young child catches onto the mechanics of an iPad. Let them play grade-level software games that will provide fun and entertainment. Emphasize to children that learning about computer use, videos and education go hand in hand.

Teach them the importance of education daily. You could incorporate mathematics into daily tasks and situations. Have them help you count the number of cookies on a cookie pan. Their love for learning could start if you rely on them to do specific tasks. Incorporate counting, reading and writing within those simple tasks. For example, you could take them to the grocery store and have them pick out a certain number of items (like five apples or four oranges).

As you enroll your children in schools, learn the faculty and their teaching style. If you want them to love education, make sure to place them in an environment that fosters comfort, fun and learning at the same time. In addition, attend all the parent teacher conferences and become active in other school activities. Your child will notice and grow to respect the time you put into their education.


Betty Jarmon, was born in Cherryville, NC, and is the eight child of fourteen. She grew up in Grover, NC. Her former education was in the public schools of Kings Mountain, NC. She relocated to Charlotte, NC in 1994 and later moved to Mount Holly in 1999. Her desire to learn came from her father, Albert Smith. He wasn’t able to finish high school, but he instilled in Betty the importance of education. She stayed on the Honor Roll throughout school. He knew that education was the key to succeeding in life. He was her biggest fan and mentor. She excelled in College as well. She was the valedictorian when she graduated from Montreat College, with a GPA of 3.92. Her GPA in the master’s program was a 3.80. Learning and stretching beyond her comfort zone has paid off in many ways: she has been able to work all over the USA and London, and she has traveled for fun and relaxation to many places.

She served in different ministries in her home church, St. Peter Missionary Baptist Church, Grover, NC under the leadership of Rev. William Thompson and at Nations Ford Community Church under the leadership of Bishop Phillip M. Davis:
• Sunday School facilitator
• Financial ministry member
• Associate Minister

She has served in several areas while at Rhema Worship Center under the leadership of Pastor Freddie Forte:
• Sunday School facilitator
• Director of the Women’s Ministry
• Usher
• Associate Minister and Elder
• Executive Assistant to the Pastor

She received her ministerial license in 2010, and was ordained as an Elder in 2014 while at Rhema Worship Center.

She has received several degrees from:
• Cleveland Community College with an Associate Applied Science in Business Programming
• Montreat College with a B.S. in Management
• Queen City Bible College with a Bachelor in Biblical Studies
• Piedmont International College with a Master of Arts in Ministry

Betty Jarmon has been an advocate with Carolinas Healthcare System’s Domestic Violence Health Program for the last three years. She has volunteered with several agencies in Mecklenburg County, such as, The Battered Women Shelter, Crisis Assistance Ministry, Second Harvest Food Bank, Salvation Army Women Center, Urban League, Samaritan Purse, Samaritan House, Glady’s House, nursing homes, and others. She has also served as a counselor.

Without education, I wouldn’t have been able to accomplish all that I have.

$$$ and Sense

Luke 11:3 (KJV)
3  Give us day by day our daily bread.

I spent the first 18 years of my life in the home of my grandmother who was born in 1902. She did not get an opportunity to go to school so she could not read, write or count money.

The reason I selected making your dollars make sense is on Saturday we would go to town to buy groceries for the week. During the summer months we worked in the peach fields picking peaches for three dollars a day. And we would work half a day on Saturday.

After we got out of the fields we would go to town. My grandmother would shop and my role was to give her the price of each item. We had a budget of twenty dollars. It was my role to see that we didn’t over spend.

We did comparison shopping. We didn’t get to bring home what we like to eat but we brought home what would sustain us until the next week.

Tip: Learn to shop by comparing prices and staying in line with a budget