This Saturday, April 25th

Food Pantry Day and $5 Clothing Bag Sale at Give and Take!

Where: Give and Take Thrift and Pantry
Address: 115 S. Main Street
City:  West Mansfield, 43358
**Pantry Times:10 am to 12 noon

**BAG SALE begins at 9 am until 12 noon. All proceeds benefit the food pantry. Clean, fashionable, and plenty of name brand clothing for the entire family at a HUGE savings.

***Food Pantry open every 2nd and 4th Saturday of the month. Please like us on Facebook for updates and information. “Give and Take Thrift and Pantry”

 

 

One of the Live Richly principles we talk a lot about is living frugal. To Live Richly is  “To live at peace, with dignity having plenty for the present and the hope of plenty for tomorrow.” The best way to start the good habit of saving is to live frugally. I often make the challenge that I can find any family ways to start saving by simply cutting costs.

Frugal families love consignment shops. Consignment shopping can be a win win win. You can save 50% and even 75% on clothing shoes and accessories easily in these stores. If you have quality clothing you have outgrown or items that you are just tired of, you can turn those items into cash. Now that is smart living.

When you buy consignment items you are helping another family. One of our local consignment shops, Worth Repeating Too gives 40% of the sale price to the consigning family. Some of these families couldn’t afford gas to make Dr. visits if it were not for this earning opportunity. You get to dress well for less and help another family all at the same time. Win Win Win

Here are some smart tips for winning the most at consignment shops:

  • Shop frequently – The best deals don’t last long
  • Keep a mental list of items you want to watch, check on them during your frequent stops.
  • Talk to the store personnel, ask about new arrivals and for guidance they are happy to help and can serve you better if they know you.
  • Consider consigning your unused accessories and quality items.
  • Start a shopping network via social media – Post any great deals you find on Face Book so your friends can take advantage, ask them to do the same.

 

We have been throwing the phrase Live Richly around lately and I find it means different things to different people. So I thought I would define the phrase from the G&T perspective.

I believe poverty is more a state of mind than a bank balance. As an example, I have known relatively small families, with one or two children, earning $50,000 annually who were always disheveled in appearance, their home in shambles, cars poorly cared for, and they seldom had enough to pay the bills at the end of the month. And that is with no serious medical or other crisis. Just plain old bad habits, lack of self-worth and lack of values. On the other end of the spectrum, I have known the family with 7 children, always neatly dressed, living in a home of their own, driving decent cars, giving to help the family earning the $50,000 income while only earning $35,000 themselves. So what was the difference? Why was the high earning family living in poverty while the low earning family was Living Richly? The short answer is values, but let me elaborate.

To Live Richly is “To live at peace, with dignity having plenty for the present and the hope of plenty for tomorrow.”

To Live Richly is to live with dignity in the company of any group. For a family of low-income to blend in with families earning much more requires some effort and discipline but it can be done. It is done much more easily when some basic values are in place. Keep in mind, I am not suggesting we need to or would even want to blend in. The reality is, we live in a world defined by classes and sometimes the varying classes can be cruel to those of another class.

I want the very best for my family. Unfortunately, circumstance that are sometime beyond my control make it impossible to always give them the best. However, I can always give them my best and the best I have.

I call this value, “Commitment to Excellence.” Living in excellence simply means I always do the best I can with the best I have all the time. Living in excellence is freeing and empowering. You see, too many people aim just a bit high striving for material perfection. Perfection is an ideal that changes from person to person and from time to time. Excellence is always achievable and only you really know when you have achieved it. Living in excellence is an important Live Richly core value. We counsel individuals and families to embrace this value and live it. Simply do the best you can with the best you have all the time.

I have found that the most common difference between the two families that I described above is how they feel about themselves. I have noticed consistently that people who do not feel good about themselves rarely take good care of themselves.  This is usually most evident in their appearance and in the appearance of things they own. Unfortunately,  when we do not feel good about our appearance or our surroundings we tend to value ourselves less and this translates into a vicious cycle of self defeat.

Do the best you can with the best you have all the time.

 

From philosophers to psychologists, all kinds of terms have been used to describe this human quality. Some call it self-awareness, others call it positive self-image. At the root of a healthy sense of self, however, is a deep human emotional need; a need as relevant to  healthy existence as oxygen and water.

Our creator has designed each of us with a universal need to love and be loved. From our earliest formative years we began shaping our perspective about what it means to be loved and to love. If we grew and matured with a love deficit, we likely find it difficult to love our selves and rarely are able to give love freely to others. While this love deficit exhibits itself in all kinds of behaviors that would require a book. For the sake of this discussion, let’s simply conclude that all too often an unhealthy love of self and others shows itself in poor care of self and disregard for others. It is virtually impossible to commit to living in excellence if you don’t love yourself enough to care.

 

Our creator has designed each of us with a universal need to love and be loved

 

You might ask, “what is the solution?” The ultimate and most effective solution is Jesus Christ. Acknowledging the unconditional love of God is very healing. While we were yet sinners He died for our sins. Before we acknowledge Him, He chose us. His love is everlasting. His grace is sufficient. His mercies are new every morning. To fill the need for love, especially if there has been a lifelong deficit we must guard our hearts and choose our relationships wisely. Surround yourself with a community of people who love you as Christ does. These people are not deeply interested in what you can do for them, they love free without condition. Spend your quality time with these people. Once you have developed this network of people and you begin to heal you can start looking for opportunities to love freely. Only when you have felt loved and are able to love others without condition will you begin to Live Richly at the highest level.

While there are many values that lead to Living Richly, I am going to try to sum up several in one for the sake of this article. This third value is virtually impossible to live without the first two we have discussed. To Live Richly, clearly requires discipline.

Personal discipline is easiest to develop when we have a healthy love for self and others. Excellence will nearly always result from personal disciplines. The value of personal discipline is the reason we teach The Principles of Financial Peace. These principles include, earn, save, invest, and give. You have heard, “a penny saved is a penny earned.” Well, some of our participants don’t have many other options for earning. They may be disabled, or are living on retirement income. We show them how to save more, invest in their future, and live better on what little they have.

To Live Richly, clearly requires discipline.

So let me sum up my definition of Live Richly. To Live Richly is “To live at peace, with dignity having plenty for the present and the hope of plenty for tomorrow.”

Living Richly consists of at least three values:

  • Living in Excellence
  • Love and Loved
  • Discipline

When we live these and other values we live happier, healthier, more gratifying lives. Living Richly is what God wants for all of us.

 I recommend reading the article Rich Is An Attitude.

Live Richly Resources is a list of businesses or organizations that can help you save money on purchases and or services. From grocery shopping to home repairs we want to become the most complete source of frugal shopping sources for central Ohio. If you know of a resource that should be listed please email details to admin@gtthrift.com

A family can live richly without having lots of money. G&T counselors will encourage Living Richly principles. Two of the most important are saving and living frugally. The following resources will help you live frugal and save money on purchases so you can save and invest.

Home Improvements

Your home is your palace. It is also likely your most valuable asset. Making improvements in your home make it more functional, efficient, comfortable and valuable. Small improvements can increase the equity in you home very quickly. Using used and or repurposed materials saves a lot of money and creates the opportunity to make what would otherwise be very costly upgrades.

Habitat Restore

Bellefontaine Ohio

Logan County ReStore
Bellefontaine, OH 43311
Phone: (937) 592-2827

habitatlogan@hotmail.com

Columbus

Columbus ReStore-West
240 N Wilson Rd
Columbus, OH 43224  Phone: (614) 737-8673

restore@midohio.org

Columbus

 Columbus ReStore East
3140 Westerville Rd
Columbus, OH 43224  Phone: (614) 737-8673

restore@midohio.org

Tool Library

Located in Franklin county the tool library only serves Franklin County residents. If you know someone who resides in Franklin County and is willing to help you this can be a great resource. They have a large selection of tools that are loaned out at NO COST.

Rebuilding Central Ohio
2771 East 4th Avenue Columbus, Ohio 43219
Phone: (614) 258-6392 Fax: (614) 252-2593

http://www.rtcentralohio.org/tool-library/

Groceries

Bellefontaine

Stites Grocery

3524 County Road 130
Bellefontaine, OH 43311
937-593-9223

I have lived on both ends of the financial spectrum and everywhere in between. I have never “felt” poor for long. When I was a child we lived in a two room shack with no running water, no indoor bathroom and pot belly stove for heat. We did homework by oil lamps and cut firewood with a crosscut saw. Not because I lived long ago, but because we were living on the lowest end of the poverty spectrum.

All that said, I rarely “felt” poor as a child. I didn’t like wearing hand me downs. I remember feeling out-of-place in my cheap sneakers. I remember the embarrassment of changing clothes in the boys locker room because my briefs weren’t exactly white. The poor me doldrums rarely lasted long. I believe this was true in part because of our families faith and in part because of a generally positive outlook on life.

I was fortunate enough to find opportunities doing what I loved very early in my career path. I married had children and home to call my own by the age of 22. I remember overhearing a conversation my son was having with one of his little friends. They were comparing their dads and my son finally said, “my dad is rich.” His childish perception would not have seemed all that humorous a few years later. But at this time we were living on an income of $12000 per year buying a house and a car expecting another child. At about the same time I heard that there were rumors going around our community that we were actually very wealthy but too cheap to move to a better neighborhood.

The truth is we were very poor by most of the world’s standards and certainly by government standards. We lived far below the poverty level. Regardless, we owned our own home and drove cars that were paid for. More importantly we lived with dignity and dressed well. So, how did we pull off the “rich” impression with so little?

We did the best we could with what we had. Our clothes were always clean, pressed and in good repair. The same was true of our home and cars. I pulled dandelions from the lawn by hand and planted flowers and shrubs bought on the $1 clearance rack. When you and what you have looks as good as possible you feel better.

We “chose” to be content. Nothing improves your appearance more than a contented smile. We made the choice to be happy regardless of material things not because of material things.

We lived frugally. By thrift shopping, yard saleing and using hand me downs we were able to dress well. We didn’t always wear the best but we always wore the best we had, especially when it mattered most. We bought mismixed paints and mixed them all together to paint our first home. fortunately it turned out to be a nice country blue. We shopped outlets and used merchandise stores for windows, doors and other resources to remodel our first home. I pulled half sheets of sheet rock from construction site dumpsters to restore the interior walls. In the end we sold our $6,000 home for $35,000 pure profit. I did whatever I had to do to make the best of everything we had.

We resisted debt. I have broken this and always to my demise. By saving to buy we ended up buying less with regret and enjoyed what we had a whole lot more.

We defined our own values and standards. If you are chasing the values and trying to live up to the expectations set for society by marketing masters you will seldom feel accomplished. They make very lucrative livings making society feel insecure and wanton.

The wealthiest man I know is nearly 100 years old. I actually don’t know how much money he has in the bank or the worth of his assets. What I do know is that every time I see him he is dressed very modestly. And this is just the beginning of what I have observed of his frugal lifestyle. His clothes are always clean and well pressed. His shoes are polished but clearly worn. His car is not new but well cared for.

My friend is not wealthy because of his bankroll. Although, we could both live very comfortably on his savings. He is not wealthy because he owns acres or land and numerous pieces of real estate. He is wealthy because he is stress free at 99. His family has all they need. He is happy and in very good health. I once asked him, “How did you do it?” I mean, he came through the “great depression and worked most of his career years earning far less than today’s minimum wage. Yet he managed to save and invest in a bright and comfortable future. His answer was rather simplistic. “I lived frugally.” he replied.

Following are three ways you can live frugally and improve the quality of your life.

1. Take Advantage of DIY Projects

You can not only save money but you can get exercise and activity by doing projects yourself. Obviously, you shouldn’t do everything yourself. Safety and a realistic understanding of your talents or the lack thereof should be considered. Recently, during a short stint without work I decided one way I could save some money was cutting our own firewood. Cutting and splitting wood saved me more than $150 per month and I could improve my health at the same time. So, the true savings are immeasurable.

2. Find Cost Savings While Improving Your Habits

I was buying a cup of coffee at Starbucks every day at the cost of nearly $5 a day. I switched to a much lower cost cup of coffee at $1.19 cents per day. I was saving $19.05 per week. I put $5 per week on a Starbucks prepaid gift card so I could treat myself from time to time. The other $14.05 could be spent to power down out credit card debt. That meant over $700 a year closer to debt free. If you’re a smoker, I’m not even suggesting you quit cold turkey. I’m just saying cut back. Any small change will result in spare change. Small change over time can lead to living richly.

3. Start Living Green

Green thumb that is. Start gardening on some level. You might start out with planters, raised beds or a small crop. Start by paying attention to the produce and herbs you use and what you spend for them. Start out growing what you use the most. Keep records so you know what you have spent on seeds, plants and supplies. You will improve you health by eating better and increasing you daily activity. You should very carefully consider your savings and invest the extra money wisely. We have taken the green thumb quite seriously. I acquired a free 600 gallon tank to catch water from my roof for watering. I built a garden shed out of all recycled materials. We invested in a canning supplies and preserve fruit and vegetables to use all season long. We also have herbs growing outside and inside the house. We have fresh Oregano, basil mint and more. Now that is living.

By taking every opportunity to save we can improve the quality of our life over time. Living frugal doesn’t mean you have to do without. You can have and do nearly anything for less if you do some research or get creative.

Consider the following questions to live more frugally.

  • Can you recycle or repurpose old or discarded items to meet a need or solve a problem?
  • Can you buy used?
  • Can you make it or do it yourself instead of buying or hiring?
  • Can you borrow or rent tools and supplies?

 

It is reasonable to expect that there might be some skepticism regarding the reality of poverty in America. In a country so given to excess and plenty it seems hard to believe there can be very many legitimate cases of poverty. Take a look at the National statistics.

According to the US Census report, more than 40 million people  (14%) live in poverty, that’s more than 8 million families including more than 18 million children. While there ae many reasons a family may be living in poverty it is the children who have no choice and often suffer the most.

While many people living at or below the national standard for poverty choose to there are millions who are victims of unfortunate circumstances. G&TCS’ vision is to end poverty for as many victims as possible. There are many types of families experiencing the varied complications of poverty.

Food insecurity is a very real and common concern for families in poverty. Health care is another concern.  Mental health can also be a concern since children can have low self esteem, family members may struggle with depression or worse. G&TCS fights poverty by providing resources, education and support. Let’s take a look at a couple of poverty scenarios to clarify how we can minister hope to families.

Scenario 1:

Bob works a full time job earning minimum wage, his wife Sandy is  stay at home mom who spends hours homeschooling their children. Bob has worked the same job since finishing high school. On their families low income they are far below the national standard for poverty, but few in their social network would ever know it. They have been very responsible, are buying their home, drive cars that are paid for and dress well. At the end of each month the family has no money left over and often making ends meet is really tough. There are high levels of stress during time of crisis. Then the unthinkable happens. Bob learns his job will come to an end. With the families income cut in half surviving on the meager unemployment benefits seem hopeless. Bob begins feeling depressed and has little confidence in the value of his job skills. For the first time ever they reach out for help. Here is what the path to Living Richly might look like.

1. G&TCS staff will try to understand the families situation and immediate needs.

2. Food, clothing and perhaps gas cards will be given to the family to immediately improve the situation.

3. The family will be referred to other agencies that may be able to assist the family

4. Counseling will be provided to offer support, get to know the family better and assess the best way to help the family long-term.

This is where the journey starts to get interesting. Upon counseling with the family G&TCS learns that the families values are very important to them and are pretty solid. However, there are important principles and strategies that will greatly improve the families quality of life and future security. While the family was doing well on their low income, two critical pieces were missing. They had no savings plan and no life strategy.

After exploring options and being brutally honest Bob’s family learns they can Live Richly even on their low income. Motivated and supported Bob quickly finds another job. Our counselors help Bob and Sandy start shaping a life strategy including personal growth and education opportunities, a career path, financial planning, even supporting their values and choice to homeschool their brilliant children and much more. Bob and Sandy learn that they can thrift shop and repurpose clothing and other resources like home furnishings to save a great deal of money. They put these money saving strategies into place and start an emergency savings fund and then a long-term savings and investment fund. Five years later Bob has earned two promotions at work after learning to use computers. The family has a three month emergency savings as a safety net and an investment portfolio. By the national standard Bob’s family income is still below the poverty level but they are not “living in poverty.” They are Living Richly.

Scenario 2:

Tonya and Ricardo Valdez are a two income family. They earn considerably above the national standard of poverty income. Their first baby is on the way. They have just remodeled their home and bought a new larger car. Suddenly Tonya’s health takes a turn for the worst. She is hospitalized and the baby is at risk. Ricardo finds out that his hours at work are being cut. With the additional cost associated with the hospital stay and loss of income the family falls behind on the house payments and other bills are going unpaid. Ricardo comes to G&TCS desperate.

1. G&TCS staff will try to understand the families situation and immediate needs.

2. Food, clothing and perhaps gas cards will be given to the family to immediately improve the situation.

3. The family will be referred to other agencies that may be able to assist the family.

4. Counseling will be provided to offer support, get to know the family better and assess the best way to help the family long-term.

Our counselors will encourage the Valdez family and offer support. Getting them through the immediate crisis is our first order of concern. There may be hospital visits to encourage and support the couple. Being a friend to the family is important to our process and giving the family dignity and supportive hope in a time of crisis is critical. After exploration we help the Valdez’s find relatively painless ways to reduce their living costs. They liquidate some of their assets, cancel some of their unneeded memberships and subscriptions. With the added help of available benefit programs they soon find a way to make ends meet even with their lower income.

Soon the health crisis passes and the healthy baby are home. Tonya decides to start volunteering at G&TCS by working from home to raise support for our programs. Ricardo and Tonya continue to work with our counselors to develop a budget, an emergency savings plan and a life strategy so they can Live Richly.

 

Founded in 2002 by Chet Hartley to serve local residents of West Mansfield, Ohio, G&T quickly grew into a county-wide outreach program. G&T incorporated a 501c3 status in 2003 enabling us to work better with federal and state agencies. By 2012 G&T would begin serving families and communities worldwide. While most of our resources still remain in the Logan/Champaign/Union/Hardin counties, we now reach families all over the US and contribute to programs worldwide. Partnering with more than a dozen organizations we predict as much as double growth in the next two years. Our Mission is to rescue people from poverty by providing resources, knowledge, support, and  opportunity.

Mobile Pantry 2012

Mobile Pantry

Click SERVICES tab above to learn more about what we do.

On this website you will find additional information about the organization and ways you can help. Please review the information, share it with your assembly or organization and respond with your commitment to help as soon as possible. If you have additional questions that are not answered here, don’t hesitate to call. No amount of help is too small. All feedback is welcome.

We have speakers available for keynotes and sermons with an emphasis on service evangelism. Call 937-935-6789 for dates.

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Special Thanks

2015 Financial Support:

Gamma Phi Beta Sorority, Bellefontaine, Ohio

West Mansfield Lion's Club

West Mansfield United Methodist Church

Champions In Christ, Dublin, Ohio

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