That’s Not Normal – So How Long Are You Going To Keep Doing It?

Seriously.  What do you do when something that is NOT normal has been going on so long that it becomes normal – even though its NOT?
I spend tons of time on computers, looking at monitors, sitting for long periods – and all of that can add up to muscle strain/soreness.

Having headaches two and three times a week was NOT normal.  Stocking up on Advil, Aleve, Tylenol or Excedrin like other people by milk and bread was NOT normal.
Thankfully somebody opened my eyes and showed me an alternative.  Now I am in the chiropractor’s office 3 or 4 times a month to get regular “tune-ups” for my body because now I know how to read some of the warning signs of what it feels like when I am out of line.  Going JUST ONCE was not enough.  I discovered that this challenge required an ONGOING MAINTENANCE plan to get it right.
A good maintenance plan strategy applies to more than just the body.  You have to pay attention and have an ONGOING MAINTENANCE plan for:
–       your HEALTH
–       your RELATIONSHIPS
–       your MINDSET
–       your SPIRITUAL LIFE
–       and with your MONEY
Do you have a strategy beyond HOPE and PRAYER surrounding your MONEY?  If not, let’s get real.  Let’s get free.  Click here
Sometimes things go on so long and you need someone to snap you back to truth.
Don’t begin to justify being ABNORMAL just because a lot of other people are doing it too – it still doesn’t make it normal, or God’s best for your life.
So here it is, my wake up call list for you to snap out of it:
–       Being in debt up to your eyeballs is NOT normal
–       Living from paycheck to paycheck is NOT normal
–       Using credit card to cover an emergency is NOT normal
–       Failing to plan and save for the day when you can retire is NOT normal
–       Ignoring your responsibility to legally plan for your loved ones is NOT normal
I write and teach and talk about these things because I HAVE lived them and understand the SILENT SHAME that can come with them.  I want to help you break through the paralyzing self-doubt that keeps you from moving forward.
No more.  Let’s get free.
Weeping may endure for a night, but joy comes in the morning!  Isn’t it time to get your JOY back?!
Click here to take my QUIZ to see how you score on the Money Mastery Scale, and find out where you need to focus on to move from Victim to Victory!
These are some of the questions I asked my investment clients over the years to help them find a starting point and identify the weaknesses in their financial situations.  It will help you too.
You know you are not where you WANT to be but you just don’t know WHERE to start.  Don’t worry, I got you.   Here is the NEXT STEP.
To the Bat Phone Robin!!!
It’s time to LIVE FREE!
Stop putting off what you know is necessary.  Click Here to Schedule your complimentary Financial Freedom Breakthrough Session now!
Be Blessed!

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

Women and Men So Different About Money

This is not my attempt at male-bashing, but it is my effort to point out how different women and men view money.  Women see it as security to establish a foundation and build a future.  We typically risk less, and stay the course more often.  We fear running out of money, and having to be dependent on our children.  Men feel more comfortable with risk, and for the most part believe that they can make more money in the event of change of circumstances.

Fewer than 2 in 10 women feel “very prepared” to make wise financial decisions.  Half indicate that they “need some help,” and one-third feel that they “need a lot of help.” (Financial Experience & Behaviors Among Women 2010-2011 Prudential Research Study).

Ladies, let’s not shy away from the conversation.  Now is the time to face the money woes; ask the money questions and get a plan in place to tell your money what to do.  Let’s get your money in alignment with God’s great financial plan by taking these four steps:

1. Start tithing immediately

2. Pray over your finances regularly and ask God for wisdom in how to handle them

3. Build a budget and spend less than you bring in

4. Be a person of character and integrity and keep your word (if you owe someone and haven’t repaid them, work out a game plan to pay them back – if you can’t do it in full then make payments that you can manage, but be in communication).

You can do this.  You just have to learn how to say “No”.  Say “no” to impulse purchases, therapeutic shopping, and guilt actions of giving money to others while seeking their approval.

Start SOWING your financial seed, rather than EATING it.

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

 

Financial Freedom is Intentional not Accidental

Intentional – an adjective, defined as “done on purpose or deliberate”

Accidental – an adjective, defined as “happening by chance or unexpectedly”

Financial freedom is not something that you can stumble into by accident.  It requires making a decision to create a better financial future for yourself, and holding yourself accountable in your daily choices of earning and spending.  It does not require perfection, but it does require time and attention.  Most people spend more time planning their family vacations than they do preparing for their retirement futures.  Put the time and effort in to becoming knowledgeable about your money and learn how not to repeat the mistakes of others.  Read articles and biographies of those that have succeeded.  Watch interviews of self made individuals to hear how they came from humble beginnings and created the life they now live.

See the attached link for one woman’s story of her decision to be in charge of her finances and create what she wanted for her own life.

http://www.prolificliving.com/blog/2011/09/20/live-without-debt-in-charge-of-finances/

“How can that $ on the W2 be right?”

It is that time of year again – when W2’s are provided to show how much you have been paid for the year for all the work that you have done.  And it shows how much money has come through your hands.  If you are like most people, you look at it and think “how can that be right?”  You worked hard, but it just seems that the money went out faster than it came in.  If that was your reaction to your W2 again this year, let’s make a change for next year by planning ahead.  How can you change that?  It all starts with the decision to give your money a job to do before it arrives in your hands.  Money without a pre-planned strategy has a tendency to get away from you before you know it – wasted on quick trips to the store and gone in $20 and $30 and $100 increments – gone before you know it and spent on things that you won’t even remember a year from now.

Make 2013 different.  Start each month with a plan.  Tell your paychecks what they will do for you before payday even arrives.  Don’t worry about tackling the whole year.  Just start with one month at a time.  Then move forward with peace of mind.  Gain control of your finances One Bite Sized Piece At A Time.  You can do it!

Happy New Year! Welcome 2013!

Happy New Year!  Welcome 2013!

However you brought in the ringing of the new year last night, look up, it is a new day. The sun is shining and you are blessed to see another day and another new year. Yesterday is gone and forever done. Today is here and a new opportunity to walk in the purpose God has placed in your heart. Let’s make 2013 a year of purpose, a year of living out your passion and doing something meaningful. Think about it, what can you do to be a blessing to someone else today? Look for a way to make your creator smile!

Holiday countdown! 5 Days to Christmas!

Can you believe it?!  It’s practically here.  Most of us planned to make this be the first year that we finished our shopping early and refuse to go into debt over the holiday madness.  The question is how many were able to stick to the commitment that we made to ourselves months ago?  If you started shopping early, then congratulations to you because you probably saved money on the gifts that you bought weeks ago.  And if you shopped only with cash and no credit, then you are a rock star!  Because you can wrap up the holiday without having it follow you into the new year with high interest rates and lower credit scores.  If you cannot take credit for either of these accomplishments then know that you are not alone, and we have work to do.

Let’s commit to do better.  We will take one Bite Sized Piece at a time to financial freedom.  Come and go with me.