Join My 30 Day Word Challenge – Starting Today!

30 Day Word Challenge.  What does that mean? It means that over the next 30 days we will mentally & spiritually check back in and speak words of purpose and life over our finances. We will be intentional about how we handle our money and be mindful of what God has already decreed over our money by meditating on His word.

We will focus on what God has said over our situation – not what our broke-thinking friends are saying; not what the bad-news media are saying; not what the enemy of God using doubt and fear is saying. We will say what God says.

July 1st, is the kickoff for our 30 Day Word Challenge!

We will be speaking the word of God in 5 key areas over our lives and over our finances – first thing in the morning and last thing at night before we go to bed.

The Power to Get Wealth (Duet 8:18)
The Power of Reward of Work (Prov 28:19)
The Power to Prosper (3 John 1:2)
The Power of Sowing (2 Cor 9:6)
The Power of Reaping (Gal 6:7-9)

Instructions:
1. Look up these verses, write them out. (This would be a great time to start a gratitude journal, so that you can see God begin to work.) Write them on post its and place them on your bathroom mirror. Do an audio recording on your smart phone and play it back to yourself as you go about your day. Hear your voice speak God’s word over and over.

2. Read the verses first thing in the morning as you get up and the last thing at night before you go to bed.

3. Let these powerful words sink into your spirit and remember them throughout the day. As you are on your job and a challenge comes up with a project or co-worker; go back and pull up this verse and stand on God’s promise to bless the work that you put your hands to. And gain strength and encouragement from it.

4. Share the testimony and change of direction that your mindset, faith and your finances begin to take as you begin to incorporate more of God’s word into your situation. Post it on the my Facebook page or leave a comment on the website so that others can be encouraged.

Share this challenge on your Facebook page, forward it to your friends and family!
WE NEED MORE WORD! WE NEED MORE VICTORY!

Laya Gavin

Laya Gavin

 

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!
www.MoneyWisdomandFaith.com

Let’s Make A Debt Free Holiday Deal… Only 18 days left until Christmas!

Don’t act all surprised!  You knew it was coming.  It comes on the same day on the calendar every year.  And every year you act like it just popped up out of nowhere 🙂  It didn’t, but it just feels that way.

So lets make a deal to have a debt free and stress free Christmas.  Money worries so many times can suck the joy right out of the holiday if you allow it to.  Why? Because you feel obligated to purchase gifts for others?  You feel committed to buying your kids the latest high tech expensive items just because they asked for them?  You feel that giving of your time and yourself is not enough to celebrate the holidays?  Well let’s get it straight now and every year going forward.

Christmas is not about crowded shopping malls and mountains of gift wrapped surprises.  Christmas is about Christ and His love for us.  It’s His birthday and the most important gift given on this day should be gratitude and thanks and praise to Him for the sacrifice of His life for us.

Give love.  Give peace.  Give hugs.  Give kindness.  Give forgiveness.  Give thanks.

Commit to a stress free, love filled holiday.  Give only gifts that you can afford.  No more debt.

Isaiah 9:6 For to us a child is born, to us a son is given; and the government shall be upon his shoulder, and his name shall be called Wonderful Counselor, Mighty God, Everlasting Father, Prince of Peace.

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

 

Start With A Plan for Your Money in 2014

76857_10152103837187836_351996127_nLet this be the year that you start with a plan for your money.  Get with a qualified financial advisor and ask them to help you figure out how much of a nest egg you need to build in order to retire at your target age.  They will need to use your current assets and monthly income and spending as a baseline, but it shouldn’t take long to get a ballpark estimate of the amount you need to be on track to a comfortable retirement.  Then you can see what your annual savings goal needs to be for 2014.   And don’t get discouraged if you are not on track right now.  Heck, you might not even bear near the track right now because you haven’t looked in a long time, or you had some setbacks.  The important thing to to find out what steps it will take to get you straight.  Then take one at a time, then keep reviewing and course correcting until you get there.

Start with the plan.  Start with the end in mind.  Three questions you need to get answers on… How much do you need to put towards long term savings, earning long term investment rates (meaning 4% or better annual averages – even if you are scary conservative 🙂 in 2014?  How much do you need to increase your company 401k or 403b contribution level to in order to accomplish that?  And how should that money be invested to work best for you in 2014?

Get professional help to have a dialogue conversation about money so that you can learn about what is available for use today, what pitfalls to avoid, and what your financial indepdence number is for you personally.  Just talking with a friend who is always talking about money and “seems to know a lot” is not enough here.  You need someone to look at your specific situation and get some customized advice.  The consultation and conversation should not cost you anything.  If you don’t have a financial advisor, ask friends for referrals of professionals they use, or you can start with your local bank or credit union as most have licensed individuals in house.  Ask questions and get your numbers run so that you know what it takes to reach your goal.  Get information. Don’t fall for a product pitch – what you want is a solution.