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

 

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.

Prosper!

 

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/

Put some action to the plan! Raise ’em up!

The month of January is winding down already.  It’s time to make sure you are putting some shoe leather on your monetary plans for 2014.  Get on the computer and increase the percentage that you are saving in your company retirement plan.  Retirement age will get here faster than you realize, and cost of living expenses only go up.  Get yourself ready.  Raise your long term savings and investments.

A customized plan is best, and the success certainly depends on the amount of time you have for the money to be working for you, your current investment balance and the average returns of those investments.  A good general rule of thumb though is a goal of saving 10% long term gives you a shot at maintaining your lifestyle in retirement.  Saving less than 10% and you will likely be dependent on family or government programs to provide support.  Savings of 15-20% would give you a better opportunity to have more disposable income available for more than just getting by in retirement.

So how much did you save in 2013 towards your long term savings?  And now give yourself a push to increase that amount in 2014.  Increase it as much as is realistic and maintainable.  Look at it quarterly to see if you have room to sock away more.  One step at a time is all it takes to make progress. Raise ’em up!

What you focus on becomes larger in your life

Debt-FreedomWhat you give your focus to becomes larger in your life.  This is true for relationships, finances, health and anything else you can think of – both positive and negative.  If you give your attention and focus to your finances, you will find yourself looking for ways to improve the matter.  You will find yourself learning about money.  You will be more conscious of what things cost.  You will pay more attention to what you spend and how you spend it.

If you ignore money thinking that the problems will go away by themselves – you will create a bigger problem because you will neglect details that cost you money.  You will miss payments and be charged with late fees and increased interest rates.  What you ignore, atrophies, and weeds come in and choke out what little life there was in the matter.

Consider your finances a garden of your own making.  Right now it may be out of control, but you can take the time to weed out and uproot the things that destroy it (creating more debt, living above your means, ignoring financial lessons, pretending it doesn’t exist, trying to keep up appearances, failing to focus on how to make it better).  Decide to give your financial garden some livable boundaries, then spend time tending to it daily.

Apply your focus here, and you can make a difference in your financial life.  Take control of  your financial life.  Tell your money where to go before you get it in your hands.  Give your money an assignment and hold it accountable to work for you.

Money and Wisdom

If wisdom can be described as the ability to recognize consequences, then how would you rate your level of financial wisdom?  And if you self score on the lower level, then the next question is “Are you willing to do what it takes to improve matters?”  We can learn thru the observation of the successes and failures of others.  Or we can learn thru our own failures and missteps.  Which would you prefer?

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