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


“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!

How Tired Are You of Hearing About the Financial Fiscal Cliff?

I know that I cannot be the only one sick and tired of hearing the broadcast reporters and reading the constant headlines about whether or not the country is going over the “Fiscal Cliff”. Regardless of your political affiliation, Republican, Democrat, Independent or Undecided, you probably can relate to me when I yell at the screen and say to them “Stop pointing fingers, placing blame, go to work for the American people!” 90 days ago, you could not have convinced me that our politicians would sit back and let this issue go up until the wire and into the new year. The reality today is that they have done just that and seem to be in no hurry to fix the problem that was predicted long ago.

I see this as a blatant reminder that individuals need to know now more than ever that there is no bail out plan from the capital that will save you. You have to save yourself. You have to be financially secure in order to insulate yourself from the political whims of government leaders. They are spending more and more of our money each year, much of it irresponsibly. And have the audacity to campaign and fight for the privilege of taxing us more in coming years than in the past. Do not misunderstand me, I am well aware that the US cannot dig its way out of the current financial pit by merely cutting spending, so I know that taxes as a revenue source must rise. My issue is the level of irresponsible spending that has taken place with no plans to curb waste.

So back to you individually. Now is the time to get your finances in order. Get rid of debt. Control your spending. Put money aside to be prepared for short term emergencies. Stop paying interest rates to other people (car loans, credit cards, lines of credit) and start earning money on your money (savings, investments, business lines, real estate, stocks, bonds, mutual funds). Be your own Bailout – because don’t trust that anyone else is coming.

Besides – my momma always taught me that there is no such thing as a free lunch.