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Stewardship of Money and Living in London on a Student Budget

September 30, 2014 1 comment

It’s that time of the year when sunny days get colder and the student hordes throng the streets of London. I’ve had a good time meeting the first arrivals, urging them to make the most of their few years abroad.

rocket, fig, proscuitto, mozzarella salad with linseed vinaigretteIt’ll be a sad thing if all they had to show at the end of their degree was, erm, a degree, selfies in front of tourist attractions, signed menus from Michelin restaurants, and a life partner to eat in said restaurants with. There’s much more to life, boys and girls! Away from the usual societal crutches of home, this is the perfect opportunity to think carefully and independently about life – to investigate properly what truth is and so set valid life goals according to that truth. After thorough investigation, Christian claims, as set out in the Bible, seemed overwhelmingly true:

  1. the deadly problem we all face is that we are all under the wrath of God for failing to acknowledge him;
  2. nothing we can ever do or say will be able to turn away God’s wrath on the Last Day;
  3. but God sent his Son Jesus to save us from this – if we trust that what God promised is true – ie. that Jesus’ death is sufficient to save us from the consequences of our sin.

Because this is such an important thing for this life and the next, I would highly recommend everyone to research this for themselves. A Christianity Explored course is a great place to start! And London universities are well served by good churches like St. Helen’s Bishopsgate and Euston Church.

While the important stuff gets sorted, there are also daily necessities to consider. (Ah but, really, who ultimately provides us with money to buy food with, enables food to grow as they should, regulates the seasons, gives us breath?) As a student at a Bible course, living off my own savings, I had to be careful about spending, but also not let frugality be an idol; to be so able to work the budget as still to be generously hospitable about housing and feeding people. We usually think that “good stewardship” of God-given money consists merely of avoiding conspicuous consumption, but miserliness too fails to properly invest God’s money for his work.

Food
Because the United Kingdom produces its own food and local food is more likely to be less expensive, it is best to eat the season.

Street markets are your best bet for fresh food. I don’t mean the organic hipster places but the “ethnic” sort in East London – for example, along Whitechapel or in Shadwell. Vegetables are usually sold by the bowl – £1 for whatever is in the bowl. And I have managed to bargain for more to be stuffed in the same bowl…

Check London Farmers Markets for more English/continental produce. Although basics are on the whole more expensive, this is for you if you care about provenance. And there are some bargains at closing time or on things that don’t usually figure in the modern London kitchen – like duck hearts, other offal, pork bones for ramen bases. Even the more posh farmers’ markets are worth checking out: I’ve gotten good bags of pesticide-free fruit and vegetables for £1 each at the Marylebone Farmers’ Market and chicken carcasses for stock (but with enough flesh left on it for a meal for one or two) for 25p each at Borough Market.

It’s also worth being a regular at your local butcher and fishmonger who may throw in stuff for free once they get to know you.

wild blackberries wild blackberry tart

Foraging has saved me a bundle on fruit and herbs. But obviously you need to be sure not to poison yourself, especially with the mushrooms. Check out recipes and advice at Forage London.

Marked Down GroceriesIf you really need to use a supermarket, you can compare prices at mysupermarket.co.uk. There isn’t a particularly generally cheap(er) mainstream supermarket: Tesco and Sainsbury’s might sell different goods more cheaply. Lidl, Aldi, and ASDA, although not known to be upmarket, have own-brand products that stand up to more expensive own-brands: like olive oil and charcuterie. Check for Great Taste Awards as well. There are also treasures in Lidl’s wine bins (eg. Bordeaux second growths).

Waitrose does really deep discounts on well-kept but expiring food. I usually snap these up for the freezer – good for lazy evenings and unexpected guests. It’s also worth signing up to be a Waitrose member for free coffee (espresso, cappuccino, latte) and tea daily, additional discounts, and a free well-written magazine every month.
Marked Down Groceries Marked Down GroceriesThe other great thing about Waitrose is that it applies original bulk-buy discounts to stickered items. In this instance, Waitrose technically paid me £0.11 to buy 18 sausages off them!

Marked Down Groceries Marked Down Groceries
Marked Down Groceries Marked Down Groceries
Marked Down Groceries Marked Down Groceries

Marks & Spencer stores tend to clear out their bakery sections at a good yellow-stickered discount about 6.00 p.m. (store-dependent) every day so you can get proper bread/pastry your dinner/breakfast there. The city center stores are also good for discounts on dairy items like milk and cheese.

Approved Food has a bit of a niche selling food near or past its best before date at good reductions.

Coffee
Brewing your own probably gives you a better cup and saves you loads off Costa lattes. Worth checking out online coffee companies for promotional discounts – eg. Pact Coffee delivers your first order for only £1.

Clothes
By the fact that everyone can tell me a mile away by my clothes, it is clear that I don’t really have much experience in this area. But for fig leaves that don’t look too cheap, TK Maxx has good stuff. There are loads of charity shops around. Also look out for clothes swaps.

For camping/hiking/walking clothes, footwear, and accessories, try the Army Surplus Store

Hair Cuts
Get them free by being a real live model for hairdressing students or juniors. Have a look at this Time Out article for details.

Cookware, homeware and home electricals
Check first if anyone has anything to give away on London Freecycle or Gumtree or a whole list of alternatives on the Guardian Green Living Blog or on the London Re-use Network. Otherwise, compare prices at:
Robert Dyas
Argos
Lakeland
Poundland, 99p shop, 98p shop…

Reuse, Reuse, Reuse
Reuse jars as cups and for storage. Reuse can and coffee cups as pen and pencil holders. Reuse fruit crates for shelves. Reuse wine cases for bookshelves.

Transportation
Cycling around London is free, though you’ll need to acquire a bicycle and an all-important bicycle lock.

Bicycles
Freecycle, Gumtree, . Or ReCycling and other sites listed on Bike Hub. Cycle training, if you live in Tower Hamlets, is free.

bicycle maintenance club bicycle repair and maintenance tools

You’ll want to keep your ride in good shape, so pop down to the free bicycle maintenance workshops.

Trains
The Man on Seat 61 has good advice about this.

Leisure Activities
It helps to live in areas that the government thinks need a leg up. In Tower Hamlets, for example, there is free tennis and relatively cheap admission to swimming pools.

For theatre, opera, concerts, check out the TKTS website for discounts, or (if appropriate) hunt for student standby tickets or platform seats.

Lots more tips at moneysavingexpert.com.

Financing Highways and Byways

June 28, 2012 2 comments

North South Highway North South Highway

Travelling the North-South highway through Peninsula Malaysia never fails to bring to mind the work behind the issuance of the bonds that financed the construction of the roads (preceding the further issuance, earlier this year, of PLUS Berhad’s RM30.6 billion bonds – the world’s largest sukuk to-date). The financial cost of building that sheer length of paved roads, of the equipment and manpower needed to cut through hills etc. was substantial.

Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur
Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur
Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur
Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur
Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur
Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur
Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur
Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur
Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur Yut Kee Restaurant, Jalan Dang Wangi, Kuala Lumpur

After being fed more pork at Yut Kee Restaurant (Jalan Dang Wangi, Kuala Lumpur) than i have ever eaten in one sitting, even while bracing for a stint in the Middle East (but what good pork – oily roti babi and Hainanese pork chop with a splash of Lea & Perrins (the special weekend roast pork had disappeared within the hour of its emergence from the kitchen), with old skool kaya and toast (though not butter cake) for dessert, washed down with iced lime tea and strong iced coffee),

St. Mary's Anglican Cathedralheaded to St Mary’s Anglican Cathedral, Kuala Lumpur, just in time for the combined service celebrating the feast-day (how quaint!) of the builder of a more important highway, John the Baptist. When asked by the Pharisees to explain himself, John B said:

“I am the voice of one crying out in the wilderness, ‘Make straight the way of the Lord’, as the prophet Isaiah said.” (John 1:23)

Several hundred years before, the prophet Isaiah prophesised:

Comfort, comfort my people, says your God.
Speak tenderly to Jerusalem,
and cry to her
that her warfare is ended,
that her iniquity is pardoned,
that she has received from the Lord’s hand
double for all her sins.
A voice cries:
“In the wilderness prepare the way of the Lord;
make straight in the desert a highway for our God.
Every valley shall be lifted up,
and every mountain and hill be made low;
the uneven ground shall become level,
and the rough places a plain.
And the glory of the Lord shall be revealed,
and all flesh shall see it together,
for the mouth of the Lord has spoken.” (Isaiah 40:1-5)

It was by preaching the coming of Jesus (though he had yet to know him by name) and urging repentance for the forgiveness of sins that John the B prepared the way for Jesus’ first arrival.

St. Mary's Anglican Cathedral, Kuala LumpurSo Jesus wasn’t a self-proclaimed messiah, just another self-appointed guru out to trick the gullible. John the Baptist had already heralded his coming. As did many prophets of old. Andrew Cheah reminded the congregation that this Jesus was the descendant God promised to King David (2 Samuel 7) who would reign forever. He was a king but in a way that the world did not expect and the world still does not understand – a king that was the servant of all who came to die for our sins and be pierced for our transgressions so that we might be forgiven (Isaiah 53:5). The historical fact of his resurrection from the dead proved that his claims were true, and therefore, there is the hope of being restored to right relationship with God if we turn away from rebelling against God (= “sin”) and believe that Jesus’ death is effective payment for our crimes.

And if Jesus is trustworthy, then what he has promised will also come to pass: that he will come again to judge the living and the dead and to inaugurate the start of a new creation. And we prepare for his coming by urging repentance so that people can have their sins forgiven before the offer is revoked. We do so using words, not acts of kindness or charity because nice deeds, though nice, articulate no warning to repent and explain nothing about the coming judgement.

Restoran Yit Sieang Restoran Yit Sieang
Restoran Yit Sieang Restoran Yit Sieang
Restoran Yit Sieang Restoran Yit Sieang
Restoran Yit Sieang Restoran Yit Sieang
Restoran Yit Sieang Restoran Yit Sieang
Restoran Yit Sieang Restoran Yit Sieang
Restoran Yit Sieang

(Restoran Yit Sieang – yong tau foo noodles, char kuey teow, roasted pork rice, and Mr. Chiam Pisang Goreng/Fried Fritters cart outside – the fried pisang raja and kuih bakul (sweet sticky nian gao sandwiched between two slices of sweet potato) were very good reasons to oil the arteries)

And highway construction and maintenance continued to be the subject of two days’ discussion. Different terrain in different countries required different skills and personalities: some worked brilliantly and very patiently within existing structures, others felt the need to hack through a granite hill with a teaspoon; both anxious to prepare the way for Jesus’ return…and in need of resources.

Untitled Papar Little Kid Backpack from Beatrix New York

An attempt at summarising the past week’s discussion on this matter: it is common to think of tithing 10% as a form of church taxation – painful, so we try to get away with giving as little as possible, just enough to please the authorities and God (with an eye out for loopholes and exceptions), yesyes to pay salaries and keep things running. Perhaps the more accurate of perceiving one’s resources is this (very preliminary thoughts):

  • if God is the Creator and Sustainer of the universe, all our time, energy, skills, money come from God. In fact, our very breath and continual life on earth is from him;
  • if this is so and we know that God’s will is to have people believe in his Son and be saved, then the proper stewardship of all God-given resources would necessarily require that we plan to give to God’s work once we get our salaries and not scrounge around for loose change at the end of the month (see The Urban Pastor’s useful post on this);
  • how much to give? God does not stipulate any percentage to be “tithed”. But like the girl at the Easter Party who was hoarding Bunny Money, not realising it would be worthless after the party, so it would be foolish to be hoarding resources for this world if all these resources will be useless in the new creation;
    Sheep cupcake from Delectable by Su, Midvalley City, Kuala Lumpur Chick cupcake, Delectable by Su, Midvalley City, Kuala Lumpur
  • whom do we give to? Generally, if the aim is to herald the kingdom of God, then whoever is preaching the God’s gospel. So we are to pay pastors and other full-time workers as we would feed the ox and cattle that plow or a labourer who works the field (1 Corinthians 9:3-11, 1 Timothy 5:15-18). And, like the early church, we are to feed overseas missionaries so they can be freed to do God’s work wherever they are;
    Bear cupcake, Delectable by Su, Mid Valley City, Kuala Lumpur*
  • gospel generosity – quite a lot of talk was about gospel generosity – giving to (and of) those whom one would not directly serve one’s community: not hoarding well-qualified gifted people but sending them out into the world so they would be a blessing to the universal church, allowing people on the local church payroll time to do gospel work outside the local church’s purview etc.

Now this is what one does in response to God, knowing that one day, he will call us to account for how we have spent all he has given us. And since a Christian’s faith isn’t blind, so his/her giving should not be naive either. And I suspect a Christian’s understanding of criminal breach of trust and mismanagement and misuse of funds would be different from what Kong Hee and four other leaders of City Harvest Church are being charged with under the Charities Act:

  • first, God isn’t looking for a fan club; he doesn’t need people to be attracted by the wealth of the church (assuming the general understanding of what CHC’s prosperity gospel was about is correct). Even if such money was legitimately earned, Jesus already warns his disciples that money is a very attractive idol: “How difficult it is for those who have wealth to enter the kingdom of God! For it is easier for a camel to go through the eye of a needle than for a rich person to enter the kingdom of God.” (The Rich Ruler, Luke 18:24-25). God alone rightly deserves to be the sole object of people’s worship and anything else that attracts worship from people is a false god. And He’s attractive enough, thank you, without anyone having to trick people into believing in him;
  • second, if indeed church-goers monies (including monies from allegedly forced sales of Sun Ho’s CDs in CHC (what music did she make? Michelle has a nice guide here) funded their S$27,700 a month mansion in Hollywood Hills, and Kong Hee’s supposed weekly flights between Singapore and LA, and their S$9.3 million penthouse in Sentosa Cove, then it is difficult to see how this is using God’s money to do God’s urgent work in warning people to repent before the coming judgement. God wants people to see the depravity of their own sin, how hopeless they are at acting rightly before him; he’s wanting people to be saved from his coming wrath;
  • finally, having lavish lifestyle funded by money from the congregation, then preaching that this same prosperity will come to all who believe in God (and give generously to the church) doesn’t so much prove the truth of the prosperity gospel as the moral of The Story of the Stone Soup (the variation that has the villagers buying the proffered magic stone with all their wealth).

RAW Coffee, Jalan Ampang, Kuala Lumpur RAW Coffee, Jalan Ampang, Kuala Lumpur
RAW Coffee, Jalan Ampang, Kuala Lumpur RAW Coffee, Jalan Ampang, Kuala Lumpur
RAW Coffee, Jalan Ampang, Kuala Lumpur RAW Coffee, Jalan Ampang, Kuala Lumpur
RAW Coffee, Jalan Ampang, Kuala Lumpur RAW Coffee, Jalan Ampang, Kuala Lumpur

(R.A.W. Coffee (facebook, 150 Jalan Ampang, Kuala Lumpur). Gieser Roaster upfront to show that they mean business, a Coffee Bean Store for their greens, a lovely Guatemalan Bourbon in the cup)

*cute fondant figure-topped cupcakes from Delectable by Su (Midvalley Mall).

Singapore Yacht Show 2012, Chen KeZhan’s Gathering Clouds, Stewardship of Money

May 2, 2012 Leave a comment

Singapore Yacht Show, One Degree 15 Marina, Sentosa CoveDropped by the Singapore Yacht Show. Calmer feel without the thumping music and yelling children underfoot of Boat Asia 2012. My entry to both shows were complimentary but i think the fee for Boat Asia would have been S$20 and S$50 for SYS.

Lamborghini, Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove

Loads of people in requisite sailor stripes that’s quite the fashion in stores nowadays. Instead of Audi, the luxury car sponsors were BMW (featuring the nice new BMW M5) and Lamborghini. Not sure why the Chaparral 310 Signature was indoors.

Singapore Yacht Show, One Degree 15 Marina, Sentosa CoveIf only Jetsurf would let us have a spin on their jet propelled surf-board and Xtreme Machines had trials for the can-am Spyder and Seadoo!

Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove P428Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove3520
Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove
Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove
Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove
Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove
Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove
Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove

On water exhibits included vessels from Riva (SportRiva 56), the Singaporean Megaway Engineering (Megaway), Feadship (MY Helix), Palmer Johnson (MY Vantage), Westport (yeah, it’s MY Sea Bear again), Aegean Yachts (SY Montigne – loved the little floating platform with enough space for a folding chair), Lagoon (Lagoon 450 and 620), Azimut (Azimut 45 and 53, and MY Hye Seas II). A good number from brokers Northrop and Johnson and Simpson Marine were on hand.

Wasn’t terribly taken by the vessels on offer. Too much dependence on electronics, too much heavy wood, unnecessarily heavy beds and ceramic basins, why were things on the deck placed so that they were not within easy reach or would clutter up the space too easily?, urgh maintenance of timber decks etc.

Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove
Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove

After a bit of grumping while checking out the Beneteau Oceanis 37 and Beneteau Sense 50, a patient broker from Simpson Marine diagnosed my problem:”You’re looking for a performance racing boat, but here they are all luxury boats.” Oh yeah, good point. My bad. But it’s got to be something i can use as a live-on-board houseboat too.

Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove

The trim size of Tartan YachtsDream looked promising but didn’t manage to speak to anyone.

Singapore Yacht Show, One Degree 15 Marina, Sentosa CoveStandout pretty powerboats were ones from Donzi and J Craft (La Bambola was at a private event for Rolls Royce).

Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove
Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove Singapore Yacht Show, One Degree 15 Marina, Sentosa Cove

So, a pleasant stroll to check out the resident boats and facilities.

Chen KeZhan, Gathering Clouds exhibition, Fund-raising for Visual Arts @ Temenggong Residency ProgrammeThen back to mainland to chope a few pieces from Chen KeZhan’s gathering clouds… exhibition at Visual Arts @ Temenggong (VAAT) (Hse 28, 20 and 18, Temenggong Road, Singapore 098775). The artwork was said to “evoke scenes from nature, inspired by the artist’s travels along the Mekong River.” All proceeds from the sale of works were to go towards “funding the Visual Arts @ Temenggong’s international artists in residence programmes that aim to inspire artists from South East Asia and beyond through their experiences of Singapore and its culture. Through their work, they in turn inspire Singaporean artists and enrich the local arts culture.” Happily for the fund, many of his Letters To Myself series had been red dot sticker-ed.

[insert invisible photo here]

28 Temenggong Road had a lovely commanding view of the Harbourfront area, but no photos were allowed within the venue or of the venue “for security reasons”.

(“Art Enclave at Mount Faber”, Business Times, 20 April 2012)

Over the same weekend, someone pointed me to a The Straits Times me & my money feature on Dr. Tan Chi Chiu, mistaking him for my ex-sports doctor, Dr. Ben Tan, of roughly the same era. The Dr. Tan in question stated his belief that money and the means to make money were gifts from God and they ultimately belonged to God. “The Bible instructs Christians to tithe 10 per cent. of their pre-tax income to the Church for the good works of the Church on God’s behalf.”

Not quite what the Scripture seems to say perhaps? Tithing was specifically required of the Israelites in the Old Testament, not of Christians. The reason for tithing was the upkeep of the tribe of Levi (the Levites) who had not been given any land as inheritance in the Promised Land because they were to serve the rest of Israel in the Tent of Meeting (so that the Israelites would not come near the Tent of Meeting, bear sin and die (Numbers 18)) and the tithes were to be their inheritance (Numbers 18:21, Numbers 18:24) instead. Tithes were also to be given to the sojourner, the fatherless, and the widow, “so that they may eat within your towns and be filled” (Deuteronomy 26) because the fruit of the good land had been given to them by God and this was what he wanted to be done with the fruit.

White Rabbit, Beige Rabbit, Aranzi Aronzo, "The Cute Book"So in addition to the physical material good that the tithes wrought, they were also symbolic of one’s worship of God (cf Hebrews 7) by acknowledging that everything came from him and that the best should go to him. They were to say as they laid the first fruits of the agricultural produce that were the subject of tithes in those days before the Levite,”…behold, now I bring the first of the fruit of the ground, which you, O Lord, have given me.” And this was why the Levites themselves were to tithe the best of the tithes to God (Numbers 18:26). Not too sure about the ten per cent. or making one’s calculation before tax.

When we get to the New Testament era, it is ultimately Jesus who intercedes for us with God. Therefore there is no longer the need for the office of priest. However, we are to pay pastors and other full-time workers as we would feed the ox and cattle that plow or a labourer who works the field (1 Corinthians 9:3-11, 1 Timothy 5:15-18). And while charity work is well and good, what God is concerned with is really full obedience to him in matters, inter alia, of justice, mercy and faithfulness to God (Matthew 23:23, Luke 11:42).

However, the point is taken that all we need for life (and any excess!) comes from God. So not just a percentage is due to him. Rather, everything is his and we should only be taking our living expenses. Just like T.T. Durai, the former CEO of the National Kidney Foundation, was not to have allotted only a percentage of NKF funds on kidney patients and spent the rest on gold taps, first class travel and chauffeured cars, so we can’t

So when someone else was expressing his thanks to God for giving him a pay raise and i was alarmed to realise that his new monthly take-home would be equal to my monthly tax payments, it became rather obvious to me that i hadn’t been a good steward of the money God had entrusted to me.

Excess money is quite a responsibility and thus a bit of a burden. And so being a bit of a shirker, i wouldn’t wish for more than my daily bread. If plans go well, perhaps i might have the opposite temptation to sin, since both poverty and riches offer different challenges to loving God, so the inspired Agur prayed:

‘Two things I ask of you, Lord;
do not refuse me before I die:
8 keep falsehood and lies far from me;
give me neither poverty nor riches,
but give me only my daily bread.
9 Otherwise, I may have too much and disown you
and say, “Who is the Lord?”
Or I may become poor and steal,
and so dishonour the name of my God. (Proverbs 30:7-9)

But there is still the responsibility, even if given just enough to live on, to feed pastors and sponsor the theological education of future churchworkers and help the poor etc. And then there would also be the temptation to self-righteousness and to idolise spreadsheets of one’s savings.

Alas, sinful mind!

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