Legacy Love Letters – Have You Written Yours Yet?

Tomorrow Is Not Promised To Any One!

Don’t make the same mistake my Dad did.

Click here to hear the backstory.  I loved my Dad, but he BLEW IT.

 

Don’t let life happen to you before you make time to protect your loved ones from the confusion and stress of trying to make heads or tails out of things if something were to happen to you.

 

Protect your family by writing them a Legacy Love Letter, and getting your Living Trust and Estate Documents drafted and in order.

 

Make your wishes known.

Don’t just tell them you love them – SHOW THEM!

This is a service I provide to my clients by working with a local firm of estate planning attorneys.

I want you to have access to the best, so that you can do right by your family.

(And by all means, PLEASE SHARE this with your friends, co-workers, neighbors, sisters, cousins, brothers, aunts and uncles, play-cousins, neighbors and colleagues)  How much easier can it be… push the button.  Put it on your FB page.  Put it on your Instagram.

It’s time you wrote your own Legacy Love Letter to your family.  Follow this link to get more information (access the free trial to review the information to see if it is right for you)

Establishing a trust is easier than you realize.  And it is essential for any of the following circumstances:

  • Parents with minor children
  • Adults with aging parents
  • Single adults
  • Blended Families
  • Second Marriages
  • Divorced Parents with Potential Custodial Issues
  • Parents / Grandparents with special needs children, or custodial issues with minor children under their care

Again, follow this link to access my website and get a free trial and see how EASY it is to protect your family.

Don’t wait.

And if you have ANY questions, do not hesitate to message me 24/7 at info@layagavin.com and I will get you the information you need.

Be Blessed!  And Be A Blessing!

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!

Talking Money with Reggie Rogers at PowerJamz and the Wake Up Call Show

Book interview with DJ host, Reggie Rogers from Power Jamz Live.  I was so very fortunate to get to spend some time with long time friend and radio host – we grew up together back in my old Oxnard, CA stomping grounds.

Listen in as Reggie and I get to talk about money challenges that are common to us all, but God is ever faithful.

There is no challenge that you are facing that is too hard for Him.

He is and always will be your heavenly provider.  Trust Him always.

 

Click here for More about Reggie Rogers and Power Jamz program

 

 

 

Facebook Group – Get the latest as it comes out…

 

https://www.facebook.com/groups/moneymasters0828/

Follow the link above to join my Facebook group so that you can get posts, docs and tools as they come out.

September we are going on a journey of #DebtDemolition.  Do you have debt that you have been carrying for too long?  Do you have credit cards that are maxed out to their limits?  Do you go to the store and juggle from one credit card to the other trying to figure out which one still has enough available credit to pay for your purchase today?

It’s time to DIVORCE DEBT!  It’s Time to LIVE FREE!

 

 

 

debt-payoff-ying-yang-md

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.

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!

 

Make a plan for your money at beginning of month

Honor the divine source of your financial blessings by making a plan for where it will go in advance.

Check out iwbnin.com for great tools designed by Joe Sangl. Start today using the concept of Income – Outgo = Exactly Zero (™). It works at every income level to foster profitability and good stewardship!

It is possible for you to win with money. Start today and see things change!

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/

1 2 3