Budgeting

Published by Angela Lim on

Blog Post About How To Budget And Track Expenses_Personal Finance Blog Me and My PF
Blog Post About How To Budget And Track Expenses_Personal Finance Blog Me and My PF

Budgeting

introduction

Budgeting – it’s not the most exciting topic I know, but it seems like something that a lot of us want to do but don’t. It’s just one of those things that we love to make excuses for – excuses include: I don’t have the time, I’ll start next month, and I’ll be poor forever so what’s the point. For some people, budgeting connotes frugality, lack of fun, and “not living life”. I speak from personal experience. Many times, when people hear that I budget they automatically assume I live like a hermit who gave up on all things fun to save for the future. If I’m being honest I thought all the same things. Even when I first started budgeting I had no idea why I was budgeting. I just budgeted because it was the adult thing to do. What I came to realize is that budgeting is a wonderful tool that allows you to plan the life you want to live. No, this doesn’t mean that with my salary I can suddenly live it up like I’m Kim Kardashian and just casually decide to buy gold plated toilets because I think they’d make my place look rad (btw she totally did this), but it means that I can spend my money based on MY pre-set priorities. And whether your priorities are to save aggressively and retire early or to live life luxuriously (but within your means), planning ahead means that you should only rarely be surprised by your monthly bank account balances. I want you all to get to this stage, so here’s the step-by-step how to budget guide for those of you who always wondered where your money went at the end of each month.

Step 1: Figure Out Your Take Home Pay

Figure out what you make every month after all taxes and health insurance costs. Whether you’ve been working for a while now or are just about to join the workforce I recommend playing with a Salary calculator to see how factors such as state of employment, filing status, 401k contributions, and number of allowances affect your net income. This net income is the amount you have to budget each month – aim to never spend above what you make. Exceptions include events and items you’ve been saving up for such as vacations or gifts.

Example: Single, 1 allowance, Salary of $50,000, State of Arizona

Scenario 1: No contributions to a 401k whatsoever. Net pay = $1,523.57 Bi-Weekly

Scenario 2: 10% of Salary deducted for 401k. Net Pay = $1,372.80 & 401K = $192.31.

Did you notice that even though your net pay is less for Scenario 2 the total amount you receive is actually $41.54 more than you receive for Scenario 1? Why? Because contributing to your traditional 401K lowers your taxable income. Both the federal and state taxes are smaller in Scenario 2 because the 10% 401K contribution lowers your taxable income by 10% – in this case you’re being taxed based on a gross income of $1,720.77. Think about these two scenarios when you’re thinking about starting/increasing 401k contributions!

Step 2: Create a Loose Budget & Spend Tracking

If you have absolutely no idea where you spend your money you need to start off by tracking your spending for at least a full month. General rule of thumb is the 50/30/20 rule which allocates your after-tax income to 50% necessities, 30% to lifestyle, and 20% savings – more on this below. Just use this to get started – if you haven’t started saving at all, a 20% allocation might be too aggressive so start smaller at maybe 10% and focus on getting into the habit of tracking your spending.

3 options To Track Your Spending

YNAB aka You Need A Budget

  • YNAB is my favorite budgeting tool and I’ve tried a fair number of apps and excel. It has pretty graphs and trend reports for spending, net worth changes, and an income vs expense breakdown. Also, it only allows you to budget money you actually have and it’s very flexible. There’s an option for bank syncing but I personally like to manually enter my expenses since it keeps me more aware of my spending and I’m low key paranoid of sharing bank info.
  • The biggest drawback is the fact that it is not free. The first 34 days are free (if you’re a student you can get an entire year for free) – then it’s about $6.99/month billed annually at $83.99. Can I get the Honda civic of budgeting? Sure, but when you still have a sibling with an active college email (thanks Julie) you’re going to take advantage of being able to use the Tesla of budgeting for free. We’ll see if I actually continue after the free year… probably yes because it’s so awesome.

Mint.com

  • Mint is probably one of the most popular budgeting apps out there. You link all your accounts to it and it automatically tracks your spending for you so if you want to start off with minimal effort Mint is a good fit. The biggest plus is that it’s FREE and they put a lot of effort into securing it. BUT because Mint is automated, it’s easy to set a budget and forget to actually track to it, so push yourself to be diligent.

Excel

  • You can use plain old excel/google sheets as a low frills solution to budgeting as well.
  • You can make it fancy or simple – look at budgeting apps for some inspiration. Maybe this can be your learning excel project. Include some of these basics: Months, categories (Net income/Gross income, taxes (optional), Necessities, Lifestyle, and savings), sub-categories (Rent, student loan, insurance, groceries, etc.), total monthly spend, and Net savings/loss.
  • Reddit users have made great excel budget sheets you can copy – Link here. You can even use Google’s very simple and free budget sheet.

3 General Categories to Track your spending

Necessities – These are things that need to be paid.

  • Many of these costs are immediate obligations such as: Rent/mortgage, Insurance, car payments, groceries, minimums for loans/other debts, utilities, and other bills.
  • There’s also less frequent expenses such as medical, auto maintenance, toiletries, etc.

Lifestyle – Think of these as nice to haves but not essential. If things are looking rough, items from this category should be trimmed first.

  • This can include a wide range of expenses such as eating out, shopping (if you’re replacing basics such as underwear and socks – I give you a pass), gifts, vacations, gym (unless you’re homeless and rely on a gym for showers), concerts, bars, things that would fall into miscellaneous “fun money”
  • But Angela I NEED all of the above things – naww you probably don’t, but more on that later.

Savings – This is for future you, whether that’s you in 6 months or you in 40 years. Below are some examples of what is included as savings.

  • Contributing to your Emergency fund via a high interest savings account of course
  • Retirement accounts such as 401K and IRA
  • Additional payments towards any debt
  • Regular brokerage account if you’ve already maxed out your retirement accounts (you should really aim to max out retirement vehicles first!)

Step 3: Assess Your Spending and Create Some Realistic Budget Goals

Now that you’ve been tracking your spend for a while it’s time to assess your spending and make budget tweaks. Warning! This may require you to face some hard truths. The important thing is to not let disappointment or feeling bad get in the way of you working to get to a better place. If you are terribly unfit, feeling bad about it is not the solution – the solution is to take action. This may mean stopping bad habits and starting new, healthy habits. It requires dedication, discipline, focus, and patience. It also requires you to make realistic goals. Push yourself to a reasonable degree but don’t expect to go from flab to abs in a week – you’re just asking for failure. Okay! Let’s move on to the fun of assessing your spending…

First question – are you spending all or more than your income?

Studies show that 50%+ of Americans spend all of or more than their income. Let’s take a look at what’s going on.

Do you feel like you’re living paycheck to paycheck? This might be a hard truth to swallow but maybe it’s not a salary issue, maybe it’s a spending issue. If you feel like you’re living paycheck to paycheck but are living by yourself in a pricey apartment downtown or are spending $$ on eating out, shopping, traveling or any other nice-to-have-but-not-necessary things then I’m sorry to say but your paycheck to paycheck situation is a spending issue. Of course, I’m not saying that this is the case for everyone, but sometimes we don’t like to face uncomfortable truths that involve ourselves. Watch this somehow hilarious and sad College Humor video then think about who you more closely resemble.

Are you consistently carrying a credit card balance? If so, you need to work on slimming down your spending in the lifestyle or necessities section. “But Angela you said I can prioritize the things that are important to me!” Yes, but with the caveat that you are living within your means. It may not seem like it, but if you are constantly carrying a credit card balance or even worse, increasing your credit card debt month after month then you’re in denial of the fact that you’re not Kim Kardashian. Please stop looking at those gold-plated toilets and focus on paying off the first 4 you’ve already bought. You can’t make any significant strides forward with your personal finance when you are constantly being weighed down by your high-interest credit card debt. Make paying off all your credit card debt your personal finance goal #1!

What does your spending tell you? Numbers don’t lie. Is your spending aligned with your priorities? Maybe you’re not a Kim Kardashian wannabe, but never realized that you’re spending X% of your net income on shopping, bars, eating out, etc. What is the break-down of your 3 major categories? Are you satisfied with these allocations or should you re-align them?

    Which person do you most closely resemble?

    [Pictures courtesy of reddit user /u/whiskeysauer – Link to his Pro Budgeting Tips Post ]

    Are you Ms. High Maintenance who spends all her money on her nice downtown apartment/car?

    Are you Mr. Party Animal who spends all his money on bars, traveling, eating out, etc?

      I have nothing against spending money on recreation or on necessities – I mean the Model American spends money in those categories. But living like Ms. High Maintenance and Mr. Party Animal means a life of living paycheck to paycheck, indefinitely. I don’t know about you, but living paycheck to paycheck with little to no financial breathing room sounds terrifying.

      If your spend report shows that you’re misaligned with your priorities and financial goals you have to take a look at where you want to trim from and add to. It’s important that these adjustments are realistic. I mean I don’t expect to suddenly go from flab to fit in a month after neglecting healthy eating and consistent work outs all my life. So if you’ve discovered that you’ve been spending $700/month on eating out and want to work on getting that spend down don’t start by budgeting eating out spend down to $100/month. Maybe start with a $500/month eating out budget and some low-level meal prepping – if it goes well, try to get that eating out budget lower. You can then take that extra money and put it towards funding your financial breathing room and/or save up for that vacation you’ve been dreaming about.

        Step 4: Re-assess and Adjust Your Budget Every so Often

        Your life is always changing – you might get promoted, move cities, get married, find new hobbies, etc. So with all these changes should come new budgets with new goals and new priorities. 

        Alright! Those are my steps to get you started with budgeting so there’s no more excuses for delaying that budgeting lifestyle. I’m not saying it’s easy but from personal experience it’s been very eye-opening and rewarding. Don’t live life by constantly being surprised by your bank account – live it according to your priorities.

        Below are some actions you can take for a few popular situations:

        Situation 1: You are swimming in credit card debt

        Stop using your credit card – at least temporarily. “But the points Angela the points!” I get you man, I love my credit cards and got a lot of great points off of them, but you know what’s better than getting cents on the dollar? Being credit card debt free, because this means that you can save hundreds maybe even thousands of dollars by not paying any more interest payments.

        Think of when you want to be debt free by and calculate what you need to pay every month to get there. This may mean cutting back on your other priorities temporarily, but remember this is for future you to be able to comfortably contribute to these priorities guilt free.

        Make payments more frequently. You know what feels less painful than 1 lump sum payment at the end of each month? 2-4 smaller payments paid out more frequently. Schedule credit card payments (try to be aggressive) to align with your paycheck period so that you take away the temptation to overspend. Your goal is to have ZERO credit card debt carry over every month.

        If it’ll take a while to pay off your credit card debt and you have good credit you may want to consider opening up a promotional credit card with 0% APR and no balance transfer fee like Chase Slate. It will allow you to be able to aggressively pay off your credit card debt without having to deal with interest payments for 15 months. Remember to always read the terms of your credit card closely.

        Situation 2: You realize you eat out way too much

        Maybe you were like right out of college Angela who ate Chick-fil-a every morning, tacos every lunch, and ate out every other dinner. You’re spending hundreds of dollars on eating out but you realize it’s not worth it, and after a month you can’t even stand to look at tacos or Chick-fil-a for a while. So what do you do? Well you decide you’re going to try and meal prep for the first time ever! Take baby steps – maybe prepare only a few easy to make meals like spaghetti, sandwiches, salads, or even just small snacks that prevent you from buying those afternoon chips every day. This is just from personal experience but meal prepping for work days allows me to eat out on the weekends with zero guilt and makes eating out a little more special.

        Situation 3: Your savings are abysmal and you want to grow it

        Use the credit card tactic – schedule automatic transfers! Determine how much you want to save every month and then just save it! You can do smaller weekly transfers or larger pulls that are timed with your paycheck period. The goal is that this becomes so normal that you forget what your actual net income is. You’d be surprised at how normal it could feel by just tricking yourself into thinking you’re making $XXX less per month. Imagine randomly checking yourself out in the mirror to find that you now have a six pack. Yeah, this doesn’t happen in real life… but with automatic transfers it’s possible to get that six-pack savings account without really realizing it. You can find yourself randomly checking out your savings and thinking danggg savings when did you get all those gains?!

        Another pro tip, if you haven’t done this already, open a high interest savings account separate from your checking’s account. The temptation is real when your savings account is linked with your checking account. All that extra money just taunting you and, in your mind, wanting to be spent. Yeah man, you want to get that seductress out of sight and out of mind. A separate savings account makes this temptation less available since it would take extra effort and a few days to transfer funds over. Also, since there should be a lot of less activity happening you’ll probably look at your separate savings account less often than your checking account. The high interest payments are an added bonus. Read the Build an emergency fund section of my previous post for a few banks that offer high interest saving accounts.


        3 Comments

        Brandon Mallar · June 4, 2021 at 2:55 AM

        I seriously love your site.. Very nice colors & theme. Did you make this site yourself? Please reply back as I’m attempting to create my own site and want to know where you got this from or exactly what the theme is called. Thanks!

        Michelle B · June 10, 2021 at 2:26 PM

        I want to share a message that has been spreading all over the internet that concerns the times we are living in. Whether you believe in God or not, this is a must read message!

        We can see throughout time how we have been slowly conditioned to come to this point where we are on the verge of a cashless society. Would it surprise you to know that the Bible foretold of this event? Don’t believe me? This may be the most imporant message you will read in these times…please do not ignore this!

        This messsage reveals what the Mark of the Beast is, and the meaning behind counting a number people have been pondering for centuries, 666. This message also shares why Barack Obama is the Antichrist. This is truly a message from God!

        In the Revelation of Jesus Christ given to the apostle John, we read:

        “He (the false prophet who deceives many by his miracles) causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

        Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666” (Revelation 13:16-18 NKJV).

        Referring to the last generation, this could only be speaking of a cashless money society, which we have yet to see, but are heading towards. Why? Revelation 13:17 tells us that we cannot buy or sell unless we receive the mark of the beast in our right-hand or forehead. We could still buy or sell among one another without receiving the mark if physical money was still currency. It logically deduces itself to this reason.

        These verses could not be referring to something spiritual because the word references two different physical locations (our right-hand or forehead) stating the mark will be on one “OR” the other. It once again logically deduces itself to this reason.

        Here is where it really starts to come together. It is shocking how accurate the Bible is concerning the RFID microchip. These are notes from a man named Carl Sanders who worked with a team of engineers to help develop this microchip in the late 1960’s.

        “Carl Sanders sat in seventeen New World Order meetings with heads-of-state officials such as Henry Kissinger and Bob Gates of the C.I.A. to discuss plans on how to bring about a one-world system. The government commissioned Carl Sanders to design a microchip for identifying and controlling the peoples of the world—a microchip that could be inserted under the skin with a hypodermic needle (a quick, convenient method that would be gradually accepted by society).

        Carl Sanders, with a team of engineers behind him, with U.S. grant monies supplied by tax dollars, took on this project and designed a microchip that is powered by a lithium battery, rechargeable through the temperature changes in our skin. Without the knowledge of the Bible (Brother Sanders was not a Christian at the time), these engineers spent one-and-a-half-million dollars doing research on the best and most convenient place to have the microchip inserted.

        Guess what? These researchers found that the forehead and the back of the hand (the two places Revelation says the mark will go) are not just the most convenient places, but are also the only viable places for rapid, consistent temperature changes in the skin to recharge the lithium battery. The microchip is approximately seven millimeters in length, .75 millimeters in diameter, about the size of a grain of rice. It is capable of storing pages upon pages of information about you. All your general history, work history, crime record, health history, and financial data can be stored on this chip.

        Brother Sanders believes that this microchip, which he regretfully helped design, is the “mark” spoken about in Revelation 13:16-18. The original Greek word for “mark” is “charagma,” which means a “scratch or etching.” It is also interesting to note that the number 666 is actually a word in the original Greek. The word is “chi xi stigma,” with the last part, “stigma,” also meaning “to stick or prick.” Carl believes this refers to a hypodermic needle (see photo).

        Mr. Sanders asked a Boston Medical Center doctor what would happen if the lithium contained within the RFID microchip leaked into the body. The doctor responded that if the microchip broke inside a human body, the lithium would cause a severe and painful wound filled with pus. This is what the book of Revelation says:

        “And the first (angel) went, and poured out his vial on the earth; and there fell a noisome and grievous sore on the men which had the mark of the beast, and on them which worshipped his image” (Revelation 16:2).

        THE HIDDEN MEANING BEHIND THE NUMBER 666 REVEALED!

        What I first want to mention, before I share what the Holy Spirit has revealed to me concerning the number of the beast, is that God confirms in threes. We can see this throughout scripture:

        “For there are three that bear witness in heaven: the Father, the Word, and the Holy Spirit; and these three are one” (1 John 5:7 NKJV).

        “and that He was buried, and that He rose again the third day according to the Scriptures” (1 Corinthians 15:4 NKJV).

        “…Holy, holy, holy, Lord God Almighty, Who was and is and is to come!” (Revelation 4:8 NKJV).

        There are many more examples, but I thought I would just share three of them to make the point.

        Examining Revelation 13:16,17,18, the first group of three I would like to point out is that the mark of the beast is described in three separate verses, 16, 17 and 18.

        The next three I see is in verse 16, “He causes all…” is followed by three contrasting categories of people,

        1 – “both small and great,
        2 – rich and poor,
        3 – free and slave…”.

        Then unto verse 17, it opens with, “and that no one may buy or sell except one who has…”, followed by three explanations of what one must have to buy or sell,

        1 – “…the mark
        2 – or the name of the beast,
        3 – or the number of his name”.

        Now unto verse 18, we read “Let him who has understanding calculate…”, which is followed by,

        1 – “the number of the beast,
        2 – for it is the number of a man:
        3 – His number is 666”.

        The last three I see is the number “6” being used three times in a row. The reason I’m making this point about God confirming in three is because it is the key to unlocking how to calculate the number 666.

        Throughout the centuries there have been people trying to calculate numbers based on titles and names that come up to the number 666 to identify one person, the Antichrist; but from Revelation 13:18, I do not see where God is telling us to count up to 666, but rather to count the number of the beast. This number is identified as 666. So the verse is telling us to count the number 666.

        What does it mean to count? It means to add up. So how could we add up 666? Remember my previous point about God confirming in threes is key to unlocking the number 666. So logically, what would be the best way to count the number 666? To count it equally by using the rule of three based off the number.

        We cannot count it equally as 600+60+6, this would also bring us back to the start.

        We cannot count it as 600+600+600, or 60+60+60 because there are no zeroes in between or at the end of 666.

        The only logical option is 6+6+6=18.

        What is interesting is that the verse that reveals for us to count the number itself is verse 18 (there a total of 18 verses in Revelation Chapter 13), being the third verse out of the three verses that describe the mark of the beast in Revelation 13:16,17,18. What is 18 divided by 3? 6. So 3×6=18, or 6+6+6=18.

        Another interesting point is the only two other combinations (making a total of three possible combinations) for placing a “+” symbol in between 666 are:

        66+6=72 and 6+66=72.

        Add both 72’s together and you get 144.

        Why the number 144 is worth our attention is because the verse following Revelation 13:18 is the first time in the Bible where the 144,000 are being described in detail:

        “Then I looked, and behold, a Lamb standing on Mount Zion, and with Him one hundred and forty-four thousand, having His Father’s name written on their foreheads…” (Revelation 14:1).

        Now if you add up all three numbers from counting 666 by moving the “+” symbol around, it would be 72+72+18=162. What is compelling about the number 162, is, if you divide 144,000 by 162, you get 888. The name of Jesus in Greek gematria adds up to 888. The New Testament was originally written in the Greek language. Revelation 14:1 not only mentions the 144,000, but also the Lamb who is Jesus.

        Now what is interesting about the number for Jesus, 888, is that if you apply the same formula that was used to count 666, you get 8+8+8=24. Why the number 24? Revelation chapter 4 tells us there are 24 elders seated around the throne of God. This is the same throne where Jesus sits.

        Now if you take:

        8+8+8=24

        8+88=96

        88+8=96

        you get 24+96+96=216.

        Take 144,000 divided by 216 and you get 666.

        Remember that this was the same exact formula we used to count the number 666 that ultimately brought forth the number 888.

        Here is a quick recap to demonstrate how this formula confirms itself as being the true way to count 666:

        1: 6+6+6=18 > 66+6=72 > 6+66=72 > 18+72+72=162

        2: 144,000 divided by 162=888

        3: 8+8+8=24 > 88+8=96 > 8+88=96 > 24+96+96=216

        4: 144,000 divided by 216=666

        1: 6+6+6=18 > 66+6=72…

        As you can see, it is perpetual. And remember that we consistently used a formula that worked in threes being the number that God uses for confirmation.

        So what could this mean? Well we know in this world we are identified by numbers in various forms. From our birth certificate to social security, as well as our drivers license; being identified based on a system of ruler ship. So it is possible that this RFID microchip will contain a new identification that has a total of 18 characters (6+6+6).

        “here the wisdom is, the one having the mind let him calculate the number of the wild beast, number for “of human” it is, and the number of it 666″ (Revelation 13:1, Greek Translation).

        The Greek word “anthrōpos” being used in verse 18 where it says “of human” is the Greek strongs concordance G444. The first two definitions of the word are “a human being, whether male or female”, and, “generically, to include all human individuals”. Could the number of the beast apply to all mankind?

        In the Greek (the New Testament was originally written in the Greek language), and other translations, you will notice the beast is described as an “it”, instead of “him”. The reason I’m making this point is because when a translation says “His number is 666”, this would imply a singular person, the Antichrist. But by saying “the number of it 666”, implies that it is of the beast system as a whole.

        We can know the number of the beast cannot be to identify products (like a new barcode) to buy or sell because scripture says we cannot buy or sell without the number of the beast. What am I getting at? There will be instances where you could buy something someone made themselves and it wouldn’t have a store branded identification on it. But for this number to be in our chips, that is where it must be to conclude ultimately that we cannot buy or sell without having the number of the beast. As previously mentioned in Revelation 13:18, the number of the beast (6+6+6=18) is a “human number”, definition “generically, to include all human individuals”.

        “Why did the Biden campaign choose 30330? 2020 divided by 666 = 3.0330 Who believes this to be a coincidence? October 2020 Isaiah 53:6 Someone said we are being whipsawed in 2020. Truly a great division is taking place between good and evil—both symbolically and literally (riots, unrest, politics). If you take the current year 2020 and divide it by the number 666 (known for its satanic implications) you will get the number 30330 (repeated). This number 30330 happens to be the number used to vote for Joe Biden and Kamala Harris. Freaky? Supernatural? Odd for sure. Whatever this means, it doesn’t seem good to me. First, why would anyone knowingly choose those particular numbers for their campaign? If they weren’t knowingly chosen, then it appears to be a supernatural act by the evil one himself and I would want to change those numbers ASAP. And if the numbers were chosen knowing their significance, are you satanic? Is this campaign satanic? Either way I do not believe this is a coincidence. And one thing is certain, 2020 is truly being divided by Satan. He is the master deceiver and spreader of chaos. Jesus calls him the father of lies.”

        So I looked up this number 30330 concerning Joe Biden, and I found this information:

        If you send a text to that number (at that time), you would get a response asking to support Joe’s campaign to take down Donald Trump, with one part in caps saying “CHIP IN >>” pointing to a link to go and donate.

        “CHIP IN”? Obama has used this phrase in the past on his twitter and people believe it is a subliminal message to receive the mark of the beast, that is to say the implantable RFID microCHIP that will go IN our body.

        Go to: http://revolutionbible.org to see all the proof!

        Is your name written in the Lamb’s book of life? Jesus says that we must be born again to enter the kingdom of God in the Gospel of John chapter 3.

        “Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name” (Revelation 14:9-11).

        BARACK OBAMA IS THE ANTICHRIST:

        In the Islamic religion they have man called the Mahdi who is known as their messiah of whom they are waiting to take the stage. There are many testimonies from people online who believe this man will be Barack Obama who is to be the biblical Antichrist based off dreams they have received. I myself have had strange dreams about him like no other person. So much so that I decided to share this information.

        He came on stage claiming to be a Christian with no affiliation to the Muslim faith…

        “In our lives, Michelle and I have been strengthened by our Christian faith. But there have been times where my faith has been questioned — by people who don’t know me — or they’ve said that I adhere to a different religion, as if that were somehow a bad thing,” – Barack Obama

        …but was later revealed by his own family members that he indeed is a devout Muslim.

        So what’s in the name? The meaning of someones name can say a lot about a person. God throughout history has given names to people that have a specific meaning tied to their lives. How about the name Barack Obama? Let us take a look at what may be hiding beneath the surface…

        “And He (Jesus) said to them (His disciples), ‘I saw Satan fall like lightning from heaven'” (Luke 10:18).

        In the Hebrew language we can uncover the meaning behind the name Barack Obama.

        Barack, also transliterated as Baraq, in Hebrew is: lightning

        baraq – Biblical definition:

        From Strongs H1299; lightning; by analogy a gleam; concretely a flashing sword: – bright, glitter (-ing, sword), lightning. (Strongs Hebrew word H1300 baraq baw-rawk’)

        Barak ‘O’bamah, The use of bamah is used to refer to the “heights” of Heaven.

        bamah – Biblical definition:

        From an unused root (meaning to be high); an elevation: – height, high place, wave. (Strongs Hebrew word H1116 bamah baw-maw’)

        The day following the election of Barack Obama (11/04/08), the winning pick 3 lotto numbers in Illinois (Obama’s home state) for 11/5/08 were 666.

        Obama was a U.S. senator for Illinois, and his zip code was 60606.

        These are just a few of many evidences why Barack Obama is the Antichrist. You can see many more in my article on the website above, as well as read about the dreams I’ve had concerning this man. I’m more than convinced that God has shown me that he is without a doubt the Antichrist, and we will see him rise to power in the not so dinstant future.

        Jesus stands alone among the other religions who say to rightly weigh the scales of good and evil, and to make sure you have done more good than bad in this life. Is this how we conduct ourselves justly in a court of law? Bearing the image of God, is this how we project this image into our reality?

        Our good works cannot save us. If we step before a judge, being guilty of a crime, the judge will not judge us by the good that we have done, but rather the crimes we have committed. If we as fallen humanity, created in God’s image, pose this type of justice, how much more a perfect, righteous, and Holy God?

        God has brought down His moral law’s through the 10 commandments given to Moses at Mt. Sinai. These laws were not given so we may be justified, rather that we may see the need for a savior. They are the mirror of God’s character of what He has put in each and every one of us, with our conscious bearing witness that we know that it is wrong to steal, lie, dishonor our parents, and so forth.

        We can try and follow the moral laws of the 10 commandments, but we will never catch up to them to be justified before a Holy God. That same word of the law given to Moses became flesh over 2000 years ago in the body of Jesus Christ. He came to be our justification by fulfilling the law, living a sinless perfect life that only God could fulfill; even bringing the law to it’s truest light by stating, “You have heard that it was said to those of old, ‘You shall not commit adultery.’ But I say to you that whoever looks at a woman to lust for her has already committed adultery with her in his heart” (Matthew 5:27-28).

        The gap between us and the law can never be reconciled by our own merit, but the arm of Jesus is stretched out by the grace and mercy of God. And if we are to grab on, through faith in Him, He will pull us up being the one to justify us. As in the court of law, if someone steps in and pays our fine, even though we are guilty, the judge can do what is legal and just and let us go free. That is what Jesus did almost 2000 years ago on the cross. It was a legal transaction being fulfilled in the spiritual realm by the shedding of His blood.

        Because God is Holy and just, the wrath that we deserve could not go unnoticed. Through the perfect righteousness and justice of God’s character, it must be dealt with, it must be quenched, it must be satisfied.

        For God takes no pleasure in the death of the wicked (Ezekiel 18:23). This is why in Isaiah chapter 53, where it speaks of the coming Messiah and His soul being a sacrifice for our sins, why it says it pleased God to crush His only begotten Son.

        This is because the wrath that we deserve was justified by being poured out upon His Son. If that wrath was poured out on us, we would all die and go to hell. God created a way of escape by pouring it out on His Son whose soul could not be left in Hades, but was raised to life on the third day and seated at the right hand of God in power.

        So now when we put on the Lord Jesus Christ (Romans 13:14), God no longer sees the person who deserves His wrath, but rather the glorious image of His perfect Son dwelling in us, justifying us as if we received the wrath we deserve, making a way of escape from the curse of death.

        Now what we must do is repent and put our trust and faith in the savior, confessing and forsaking our sins. This is not just a head knowledge of believing in Jesus, but rather receiving His words, taking them to heart, so that we may truly be transformed into the image of God. Where we no longer live to practice sin, but rather turn from our sins and practice righteousness through faith in Him.

        Jesus answered, “Most assuredly, I say to you, unless one is born of water and the Spirit, he cannot enter the kingdom of God. That which is born of the flesh is flesh, and that which is born of the Spirit is spirit. Do not marvel that I said to you, ‘You must be born again'” (John 3:5-7).

        Come before the Lord with a contrite spirit, humble yourself, ask Him for His forgiveness, to receive the free gift of His salvation, to receive His Holy Spirit, so that you may be transformed into a new creature, into a child of the living God.

        There is a reason why the words of Jesus have been translated in to over 2000 languages, and nothing comes remotely close (the Quran just over 100), because there is a God in heaven who desires to have a relationship with you, to know Him through His word, as that is how we personally get to know anybody. There is a reason why it is the year 2021, because Jesus came to earth just over 2000 years ago fulfilling major prophecy causing a divide in our timeline.

        Jesus loves you! Seek Him while He may be found! We must repent and turn from practicing sin…for if we are not following Jesus, we are following the devil. There is no neatural ground. We are either living in the lie, or the truth. God bless you!

        freeliTet · September 4, 2021 at 8:04 AM

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