4 Ways to Start The New Year Off With A Bang!



Happy New Year!

If you are reading this, it means one thing for sure… You survived the holidays! Congratulations! You made it through the trips to the mall, coordinating all of the holiday events on your calendar, the long lines in the stores, the traffic on the streets and trying to find that perfect gift for someone special.

If you are like me, it is always fun to hang out with family and friends and loved ones around the holidays but it can also be exhausting trying to keep up with all of the details.

So say hello to 2017! And let’s start it off with a bang! Here are 4 ways to make immediate headway

  • Release the past! 2016 is over and there is nothing you can do to change what happened back then. What’s done is done. For better or worse the calendar page has turned. Be thankful for the lessons learned. Be thankful for the victories won. Be thankful for the important people in your life that you have been blessed to share time and space with.
  • Clear the clutter! The new year is a perfect time to move out the clutter. Whenever you move towards order, your mind, body and spirit all feel better. Think about how good you feel when you clean out your desk in box before going on vacation. Think about the relief you feel when you get your car detailed and they roll it up to you all shiny and clean with that fresh spray of air freshener. Take action right now at the top of the month and clear some space. Bag up some clothes that have been cluttering your closet and dresser drawers (give them to a loved one who can use, donate them to your local Goodwill or Salvation Army Store, or put them up for sell as a consignment shop – just get them out of your space and get free)
  • Write it down! This is a new year and it should start off with a new game plan of how you are going to move forward, improve and excel in your life. Write out the things that you want to be better this year than last year. Set targets for the major areas of your life (Health, Spiritual, Career, Financial and Relational). At every level and stage in our lives we can all be better. Find deliberate ways to stay connected to those you love and let them know you care.
  • Be Quiet! Build in quiet time in your daily routine so that you have a chance to step away from all of the constant daily noise and chaos of life. When you get quiet and still you will have the chance to remember what things are important to you. When you get quiet you can hear your own thoughts. When you get quiet you can connect with Spirit. When you get quiet you can recharge your batteries. Quiet time is precious time

May your new year be filled with blessings overflowing.

Laya Gavin

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.

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.