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!

Currency implies flow

Another word for money is currency.  Currency implies flow.  Your money has to flow like a river where there is a constant source of inflow and a constant source of outflow.  If your money experiences only an influx and no positive output (i.e. places to bless others, planting of financial seeds and gifting in the lives of others) then your financial situation becomes like a stinking, stagnant swamp.  What used to be green and vibrant, becomes infested and putrid.  If you fail to bless others, then there is no beauty in creating new life and new possibilities in the lives of others.  Your financial blessings are designed to be a blessing not just for you but for those fortunate enough to be connected to you.  You are blessed to be a blessing.

Focus on getting in the flow of currency.  If God can get money through you – He will certainly get money to you.

But if you only see purpose in getting all you can, and canning all you get – then who else would be blessed by that?

Malachi 3:10 shows that the blessing of the Lord should be demonstrated in overflow


Take One Small Step Today

They say that the definition of insanity is doing the same thing over and over again and expecting a different outcome.  You know there’s truth to it, and you and your friends can look back and laugh when you make the same choices and act surprised when you fail to get better results.  Ladies, have you looked back in your past and realized that you somehow managed to date the same “loser” type guy that was no good for you, but you just didn’t get it until some one pointed out what your last three ex boyfriends all had in common?

Ok, so lets break the pattern with our money and do something different today.  Let’s take one new step towards improving our financial life.  Take action and do something that you have been putting off until things got better, or you came across some “extra cash”.  What’s it going to be?  Here are a few ideas to start the ball rolling…

– Start automatic deductions to invest in your retirement plan through work

– Increase the amount that you are already contributing to your retirement plan at work

– Call and schedule an appointment to meet with a financial advisor or planner to review your situation

– Set up an automatic savings plan and divert 5% of your pay to a savings account to build your rainy day fund

– Cut up your credit cards

– Write out your budget for the coming month

Pick one of the above, or one of your own – and just do it!  Take action towards building your financial fortress.  Tomorrow can only get better if you stop and make improved choices and take action today.



What do you want bad enough?

Just a question that each of us has to answer for ourselves.  What do you want bad enough that you will give up your time, energy, sleep and peace for it?  I mean what is the thing that you have determined that you will accomplish and knowing that you will have to sacrifice time that could otherwise be spent lounging on the couch, walking on the beach, hanging out with your friends and family or just watching your favorite television shows?

For anyone who is currently working towards accomplishing something important, you know what I mean.  You have to say “no” to some things, so that you can continue to say “yes” to the goal and dream ahead of you.  Keep pushing forward, the goal is closer than you think.  The steps are paved with a hundred small daily decisions to stay focused.  Your loved ones support you and believe in you!  Don’t stop!

So I ask you again, “What do you want bad enough?”

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