Your Chance To Get In The Room

Here’s your chance to be IN the room!  Space is LIMITED.

Would your life look different if you had help understanding and applying tools to deal with your money?

Would you sleep better knowing that there was a plan for your money?

Would you save more knowing that you are putting your hard earned money in places that are serving you and not robbing you?

Come out and be in the room with like minded women of faith who want to get their money right, get past their financial mistakes and gain new victories over money!

Date: Tuesday, June 9th 6:30-8:00pm, Peoria, AZ

Click here to: Sign up on my Facebook page to attend and RSVP



Dennis Kimbro




Laya Gavin “Your Financial Stewardship Champion”
You don’t have to walk this road alone! There’s help. I can teach you how to combine

your faith and your finances for true abundant living!

You are far more precious than rubies!

Sign up on my Facebook page to attend and RSVP



Pearls of Wisdom # 10 – Ignorance Is Expensive!

Ignorance is expensive.  Going through your life with your head in the sand around money can be costly to you in lost time, lost opportunities, late fees, service charges and interest costs.  If you have not established a plan for your money to work for you properly, you could be sentencing yourself to spending more years in the workforce than necessary because you didn’t start saving or you weren’t saving enough.  You could be paying a higher price than you know.  You could be giving away both money and years!

Or worse yet, what if you looked back and found out that you were saving enough money but you failed to put it to work for you in the right types of vehicles, and as a result you still had to work longer?  Now that would be really disappointing. We have all seen and talked to too many people that we know and love, lamenting over their fixed incomes not being enough to live an enjoyable or abundant lifestyle.

You have to check in and check up on your money.  This is not the place to fall asleep at the wheel.  Good stewardship requires conscious awareness.

Can you imagine how great it could be to:

* Move forward in your money!

* Gain mastery over your money!

* Be confident that your money is working for you!

Ignorance is Expensive

Ignorance is Expensive

Are you ready to stop robbing Peter to pay Paul?

Are you ready to know what is right for your specific situation and stop trying to compare yourself to your coworkers, neighbors or family members?  Their walk is NOT your walk.

Are you ready to be equipped with the tools and knowledge to help you make choices that honor your values, dreams and goals?

Are you ready to stop worrying and waiting for the next financial shoe to drop?



If you are ready to stop giving your away your future, your peace and your power, contact me at  Just write in the Subject Line: Pearl #10 I’m Ready!

Twitter @MGBaseintel


Can I Count On You??? I Need Your Help!!!

Listen, I have a request to make of you.

I need your help. Can I count on YOU???


In less than 48 hours, I will be participating in one of the PowerNetworking Conference 2015 calls introducing several of the Super Coaches that will be pouring our skills, knowledge and information into attendees for FREE.

Here is where you come in. And here is where I need your help.

On Friday, May 8th at 9pm EST (6pm Arizona Time) I am being interviewed by Dr. George Fraser of Frasernet and Linda Clemons.

And I need you there. I am asking for 2 things in particular from YOU:


#1 Let me know what you hear that particularly resonates with you in your understanding of connecting your money and your faith gaining mastery of your money

 #2 Tell me what’s YOUR biggest CHALLENGE around money


Is it tithing consistently? Budgeting? Impulse spending?

Earning competitive returns? Is it credit card/student loan debts?


Whatever the challenge is, I promise you there is a solution. And together we can find it.


Conference Call: 712-432-0075

Participant Code: 271542#

Date: Friday May 8th @ 9pm EST (6pm Arizona Time)

P.S. This is a LIVE event. There will be NO replays.


Laya Gavin

Your Financial Stewardship Champion


So if I can count on you, please send your responses to me via Facebook, Twitter or email me at


What are you doing about it?

Be real with me here, this is no time for being polite or politically correct or quietly discrete, because this is serious.  Are you taking advantage of a company retirement plan and saving towards your retirement goal? Yes or No?

Nest Egg

Are You Building Your Nest Egg or Starving It?

A 2014 study showed that only 61% of women working full time jobs had companies that offered 401k or retirement plans.

And then only 75% of them actually used the company retirement plan.

And then the average savings / retirement plan investment rate of contribution is only 6%.  Sweet Jesus!  Do you get where I am going here?

Let’s break this down.  6 out of 10 have a company retirement plan that they can even use to put aside tax deferred retirement money.

Out of that 6, only 4 are putting aside money to take advantage and save for their own retirement.

And out of that 4, the average savings rate is 6% (which means some are saving more and some are saving less).  And among those that are saving, many are so unsure of where to put their money that they place it too conservatively to earn competitive rates to outpace inflation and position them for a successful long term plan.

I don’t want to see you working past the retirement age of 65 and 67 and trying to hustle for a paycheck working for someone else at the age of 70+ years old.  That is NOT God’s best.

It’s time to take a stand for yourself and financial future.

In case you forgot the question from above, I will ask it again, so that you know it was not rhetorical.  Please post your response in the comment section below.  Are you taking advantage of a company retirement plan and saving towards your retirement goal? Yes or No?



Laya Gavin “Your Financial Stewardship Champion”
You don’t have to walk this road alone! There’s help. I can teach you how to combine your faith and your finances for true abundant living!

You are far more precious than rubies!


So What Did You Do With The Money?

A couple of weeks ago, I posted a quick note about how more than 80% of us get tax refunds.  And my goal was to encourage and remind you to do something productive with the funds so that you could take another step forward to positioning yourself for financial freedom and living God’s best for your life.

So my question for you today is:  What did you do with the money?  I want to hear from you.  If you paid off some bills (big or small), let’s share the success!  Scripture says that “the borrower is slave to the lender” (Prov. 22:7).  If you paid off any debt, no matter what the size, then you just had your very own personal emancipation day!  Let’s celebrate your freedom.  Forward movement is something to celebrate.

I will share mine with you.  With my refund I paid off 2 credit cards in full and put a big dent in another one and paid the balance down by over 60%.  #LiveFree

Be patient with yourself and understand that you did not build this debt overnight.  You may have dug yourself into this hole with years of tough times, poor choices, and mis-information.  Well the past is past, and now is the time to make lasting change for the better.

Here are 4 Quick Steps:

1) List out your debts by balance (go smallest to largest balance – here we will ignore the interest rates) Remember to include personal loans from family / friends.  They have not forgotten that they loaned you money – so don’t get amnesia here if you value the relationship.  Besides, this is about your integrity.  So even if they have forgotten, or just stopped asking for the money back, it is a matter of honor that you repay them.

2) Stop digging the hole any deeper.  That means stop using your credit cards and making matters worse.  You will have to cut your expenses and find ways to generate more money.  Sell some stuff.  Have a yard sell.  Pack a lunch for work.  Take items to a consignment shop.  Find a side hustle job to generate some additional cash (babysit, bake cakes, wait tables, work retail, check out the temp employment agencies).

3) Have a clear monthly payment plan.  For each debt that you have, know what is the minimum monthly amount required to stay in good graces with the company so that you are not being charged late fees and hurting your credit.  Now you know that if you only pay the minimum amount on credit card debt it will take you decades to payoff balances – and that is NOT an acceptable solution.  So understand what I am saying here.  We are going to build a snowball effect to tackle your debt.  So the bill with the lowest balance is the one that you put all of your extra money to, and pay the minimums on the rest.  So if your lowest bill has a minimum payment of $30, and a balance of $600 total.  Then you will pay the minimum monthly payment due on all the other bills, and any extra money you can add to the $30 is where you put the snowball into effect.  Pay extra on that until the $600 balance is paid off in full.  Then next month you take the $30 that you were paying here and apply it to your next lowest balance debt, along with the extra money you saved by reducing your expenses and getting your hustle on.

4) Know that you are not on your own.  It is God’s will that you are blessed and walk in His abundance.  2 Cor 9:8 “And God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work”.   As you are stepping towards financial freedom, God is blessing your efforts because it is His will that you are free!  Be encouraged.

Remember, I want to here from you in the comments!  Post your freedom moments!  What did you pay off?  Who were you emancipated from? Visa? Mastercard? Kohl’s? Discover?

What Are You Going To Do With Your Tax Refund Check?


According to CNN Money over 80% of you will be receiving tax refund checks this year.  The question is, what will you be doing with yours?  Do you have some special kind of reward planned for yourself as a treat for making it through a tough 2014?  Or are you going to put that money to work for you so that you can better position yourself for financial success?

Well you know which one I am rooting for!  I want you to be better!  I want you to be financially wise!  I want you to use your funds to make a difference in this world!  I want you to be debt free!  So take a moment before that refund check hits your bank account and give some thought as to some things that you can do to make a difference in your world:

  • First and foremost, Give Thanks that you are getting a refund rather than having to pay!
  • Secondly, Give Thanks to your Heavenly Father for the job(s) you were blessed with to generate the income to have to pay taxes on (some people didn’t work or make enough throughout the year to even have to file – that would be a whole different kind of struggle)
  • Tithe and Give an Offering on your refund to recognize the blessing
  • Start or build up your Emergency Fund (starter size of $500 or $1000 min, and you can build up to 6 months of living expenses once you get debts paid off)
  • If you are debt free, pray about someone that you can Be a blessing to in some act of kindness
  • If you are still digging your way out of debt, then this is a perfect time to put a little extra effort on the matter.  Dave Ramsey calls it a snowball.  Call it a lump sum payment or whatever works for you, just make that extra payment towards debt freedom.  Find your debt with the lowest outstanding balance and see if your refund can pay it off in full or at least put a big dent in it!  Make that payment towards your financial freedom. Accelerate the day that you will be able to claim your freedom from financial bondage.  Don’t be like the masses, be like the small percentage of folks that owe no one financially.  Be free!

Proverbs 22:7  KJV – The rich ruleth over the poor, and the borrower is servant (or slave) to the lender.

How good it feels to claim your freedom from “the lenders”, there is nothing like it.  Who will you emancipate yourself from with your refund check?  Sallie Mae?  Fannie Mae?  Visa?  Mastercard?  Kohl’s?  Target?  Macy’s?  Victoria’s Secret? Ford Motor Credit?

GET FREE!!!!!!  And Be Blessed!!!!

24C        You are far more precious than rubies!  Remember to treat yourself like the jewel that God says that you are!


Laya Gavin “Your Financial Stewardship Champion”

You don’t have to walk this road alone!  There’s help.  I can teach you how to combine your faith and your finances for true abundant living!


P.S. Please share this post and spread the word so that we can enjoy the blessed and abundant life together.  Hit the links for Facebook or Twitter and help encourage your online friends and family to financial freedom as well!

Ignorance Of The Law is No Excuse!



“Ignorance of the law is no excuse for breaking it!”  That’s what the police officer is saying when he pulls you over for doing 55 mph in a 35mph zone.  Just because you didn’t see the signs posted, doesn’t give you the permission to zoom through the neighborhood.  The laws stand for all of us, and apply to all of us, whether we are walking in them with full knowledge, or operating under them in ignorance.  It still applies.

Why not start incorporating and operating under God’s spiritual laws over your money?  There are some really good ones out there.  One of my favorites is The Power to Get Wealth (Duet 8:18)

Go and read it for yourself in your free time.  Never mind – I will give it to you now in case you get internet ADD and forget.  “And you shall remember the Lord your God, for it is He who gives you power to get wealth, that He may establish His covenant which He swore to your fathers, as it is this day.” (NKJV).

So be clear that there are two parts to that verse.  First every gift, talent, opportunity and ability you have to create, build or provide of value – has been God given.  He is your source.  The second critical part of that verse is that He didn’t give you the power just to sit on your lazy boy recliner all fat and full – He blessed you for a reason.  To establish His covenant.  So you are blessed on a mission.  Enjoy what He provides, and look for ways to be a blessing in His kingdom. Find a need and participate in filling it for God’s glory!

Be Blessed!

You are far more precious than rubies!


It’s going on right now! Get in on it! Women Millionaires Tell All!

This tremendous 3 day webinar started just a few moments ago. It’s not too late to get in. Hear the interviews live for free for the next 3 days. Get in where you can to hear them live – and when you have to step away don’t worry because you can pre-order the audios at more than a 50% discounted price (rates go up after the event ends on Saturday 3/7/15 – so get the early price).

Join us.

When you listen to an expert share their story, you can’t catch it all first round because there are so many nuggets of wisdom that come through the conversation, note taking is not enough. You can’t possibly receive and retain it all first time through. The audio files will be your chance to process and internalize the jewels. “Faith comes by hearing and hearing by the word of God”. Before you can take steps to being a millionaire yourself, you have to first hear the possibilities, and then it has to sink in that it is possible for you. Then it’s time for you to take the PROVEN steps guided by millionaire mentors that can point you in the right direction and shave years off of your learning curve because you benefit from their years of trial and error – which accelerates your success!

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