Small things can have a big impact if they happen on a consistent basis over an extended time period.  We can do a few little things that can have a big impact in almost any area of our lives – physically, spiritually, and financially.  In this episode, Gary and Christy look at 3 areas of personal finance in which, if we make some small changes, we can see a big impact.

Links

• Click here for all episodes of Bountiful: The Heart of Money Management
• https://www.nerdwallet.com/ blog/finance/bills/lower-cell- phone-bill/
• http://www.bankrate.com/ finance/smart-spending/10- ways-to-save-money-on-your- utility-bill-1.aspx
• https://www.investor.gov/ additional-resources/free- financial-planning-tools/ compound-interest-calculator
• https://www.nerdwallet.com/ blog/investing/brokerage- commissions-fees/

Gary’s Weekly Time Commitments:

• 5 hours – Time spent on Sunday morning/evening at worship, Wednesday night devo (this includes time spent before and after services fellowshipping with brethren).
• 7 hours – Prayer and personal Bible study
• 56 hours – Sleeping (8 hours a day)
• 14 hours – Eating (2 hours a day)
• 7 hours – Personal hygiene (showering, brushing teeth, getting ready for work, etc.)
• 40 hours – Work
• 5 hours – Commute/traffic
• 5 hours – Chores/errands (dishes, yard work, car maintenance, etc.)
• 5 hours – Exercising

Gary’s Total Time Commitment: 144 hours

Total Hours in a Week: 168 hours

“Leftover” time: 24 hours a week (3.42 hours a day)