I am excited to be speaking as part of the Injoy Stewardship Challenge Conference series that will be visiting four cities in 2010! Here is 411 on the line-up of speakers, locations, and dates.

April 8, 2010  Kansas City, MO – Heartland Community Church

• Dr. John C. Maxwell
• Dr. Rick Campbell
• Pastor Dan Deeble (Pastor of Heartland Community Church)
• Joseph Sangl
• Tim Avery

April 28, 2010  Sacramento, CA – Bayside Church

• Dr. John C. Maxwell
• Dr. Rick Campbell
• Pastor Ray Johnston (Pastor of Bayside Church)
• Joseph Sangl
• Tim Avery

May 11, 2010  Atlanta, GA – Mountain Lake Church

• Dr. John C. Maxwell
• Dr. Rick Campbell
• Pastor Shawn Lovejoy (Pastor of Mountain Lake Church)
• Joseph Sangl
• Tim Avery

The fourth location will be announced soon.  In the meantime, I would love to meet you at one of these conferences!  Learn more and register HERE.

Welcome to the latest series at JosephSangl.com – “Ways To Eliminate The Mortgage More Quickly”.  It is my hope that this series can help you eliminate what is usually the single largest expense in the household budget and free that money up to much greater things than make a bank rich!

Part 2  Lower The Interest Rate

One key way to eliminate a mortgage is to have an excellent mortgage interest rate.  Mortgage rates are at historic lows.  CNNMoney’s website has an excellent calculator that one can use to evaluate different refinancing alternatives to see which one is best for your situation.  It can be obtained HERE.

Just lowering the interest rate by 1% on a $100,000 mortgage will nearly $1,000/year!  That, my friends, will spend just like money and I would much rather apply that money toward principal reduction or funding a dream than sending it as a gift to my mortgage lender!

We have an “Early Pay-Off Calculator” located on our NextSteps site (HERE) that will show you how much more quickly you can pay off your loan if you obtain a lower interest rate.

This can seem very basic, but it is easy to get caught up in the day-t0-day bustle of life and miss one of the key ways to eliminate the mortgage more swiftly!

Read the entire series HERE

I am excited to announce that The Saving Freak will be offering the SavingFreak/GroceryFreak Workshop for FREE in an on-line workshop – and the first one is tonight!

As I have said before, The Saving Freak continually amazes me with how he saves money on nearly everything he buys.  I have applied most of his savings ideas in my own life, and it has truly made a HUGE difference!

Here are some things I have learned from him:

• How to cut my grocery bill by nearly 25% (using coupons and GroceryFreak.com and other coupon websites)
• How to make my el-cheapo disposable razor last at least 10 months
• How to locate discount codes for most of my on-line purchases
• How to cut my hotel bills by more than 50% (and our team travels A LOT)
• How to cut my car rental bills by more than 50% (and we also rent a lot of vehicles)

I am SO EXCITED that we have been able to offer this workshop on-line!  It will be offered on two different dates – tonight (3/9) and also one week from today on March 16th from 7PM – 9PM Eastern Time.

Did I mention that it is FREE?  Registration is required.  Learn more and REGISTER HERE.

Welcome to the latest series at JosephSangl.com – “Ways To Eliminate The Mortgage More Quickly”.  It is my hope that this series can help you eliminate what is usually the single largest expense in the household budget and free that money up to much greater things than make a bank rich!

Part 1  Introduction

I remember the day that I signed up for my first home mortgage.  I financed such a large amount of money that I could not really comprehend the amount.  All I knew was that I wanted to purchase a house, and the bank was willing to lend me the money.  When I made my first mortgage payment, I realized just how much this debt was going to cost me.  Less than two-percent of the payment was applied to principal balance reduction.  The rest of the payment went to make other people and businesses wealthy – banks, insurance companies, and the government.

What I discovered was that if I paid the scheduled payments on my first house for the entire thirty year term, I would end up paying more in interest than I paid for the house.  Ridiculous!  I set out to find ways to eliminate the mortgage more quickly so that more of my money would be applied to the principal balance.

This will be fun!

Read the entire series HERE

I am excited to announce that The Saving Freak will be offering the SavingFreak/GroceryFreak Workshop for FREE in an on-line workshop!

The Saving Freak continually amazes me at the ways he saves money on nearly everything he buys.  I have applied most of his savings ideas in my own life, and it has truly made a HUGE difference!

Here are some things I have learned from him:

• How to cut my grocery bill by nearly 25% (using coupons and GroceryFreak.com and other coupon websites)
• How to make my el-cheapo disposable razor last at least 10 months
• How to locate discount codes for most of my on-line purchases
• How to cut my hotel bills by more than 50% (and our team travels A LOT)
• How to cut my car rental bills by more than 50% (and we also rent a lot of vehicles)

I am SO EXCITED that we have been able to offer this workshop on-line!  It will be offered on two different dates – March 9th and March 16th from 7PM – 9PM Eastern Time.

Did I mention that it is FREE?  Registration is required.  Learn more and REGISTER HERE.

I am PUMPED to announce that the I Was Broke. Now I’m Not. Group Study is being taken to the next level!  As of mid-March, we will have a video component available where I teach the principles/tools being discussed each week of the six-session study.

Each video session is 14 – 24 minutes long with the remainder of each 60-minute session left for group discussion/application.  We are SO EXCITED to be able to take this resource to the next level.  We believe that this video component will really help group leaders focus the discussion on the essential principles and tools.

Our goal at I Was Broke. Now I’m Not. has been to ALWAYS offer incredible value for the lowest price possible (it is why we offer all of our financial tools for FREE!)  We are going to offer each DVD video kit for $30.  The I Was Broke. Now I’m Not. Group Study Kits (Copy of I Was Broke. Now I’m Not. and Group Study Guide) will remain $17.50/kit (or less if more than 50 are purchased).

Be on the lookout for the official announcement and release of this new resource.  We are SO PUMPED!

Check out the I Was Broke. Now I’m Not. Group Study website HERE.

Want to learn more?  Contact our team at info@iwasbrokenowimnot.com or call [864] 332-4151.

The I Was Broke. Now I’m Not. team had a GREAT time this weekend at Colwood Church (Pastor Jonathan Herron) in Caro, MI!  We were able to train four financial coaches/counselors, speak during both morning services, teach the Financial Learning Experience to the adults and What Everyone Should Know About Money Before They Enter THE REAL WORLD to the youth.  What an amazing response we had!  I am so dumbfounded that we get to do this life-changing work for a living!!!

Here is the event schedule for this week and upcoming weekend:

March 3, 2010  FLE SE Conf of SDA  Patmos Chapel Worship Center Winter Park, FL

March 4, 2010 Unleash Conference NewSpring Church Anderson, SC

March 6, 2010  FCE New Life Center Bridgeton, MO

March 7, 2010  FLE New Life Center Bridgeton, MO

March 8, 2010  FLE NewSpring Church – Florence Campus

March 9, 2010  FLE NewSpring Church – Anderson Campus

March 10, 2010  FLE NewSpring Church – Columbia Campus

March 11, 2010  FLE NewSpring Church – Greenville Campus

We hope to see you at one of these upcoming events!

See the entire schedule HERE.

Every month there will be an update of Joe & Jenn’s Home Pay-Off Spectacular!

Here’s this month’s update!

Total Squares:  2,426

Paid-For Squares:  831 836

Squares Remaining:  1595 1590

% of House Owned By The Sangl’s:  34.3% 34.5%

% of House Owned By Wells Fargo:  65.7% 65.5%

Here is the updated “Sangl Home Pay-Off Spectacular”

Baby Sangl (Keaton) has finally arrived and now we are awaiting the final hospital bills.  Once those are paid off, we will replenish the emergency funds and then re-attack this mortgage with renewed vigor.  We are praying to be able to CRUSH this mortgage in short order.  Will you pray this for us?

We now also own the perimeter of our sunroom.  The next time around the sunroom will not take as long.  We can’t wait to say we completely own this room as it is one of our favorite rooms of the house.

How are you doing on YOUR house payoff spectacular?  If you do not have one, you can get one here => Pay Off Spectacular – House.

Read previous Sangl Home Pay-Off Spectacular Updates

In this series, I have been sharing some thoughts on some fundamental rules of money management that are time-tested and known to be true.  If applied, these rules can help you take your finances to the next level.

Rule #6 Your business idea has a much better chance of succeeding when there is a strategic plan and a financial plan.

As a financial counselor, I routinely meet with small business owners who started their own businesses.  Some of them have been wildly successful.  Others have not had the success that they had expected and desired.  There are always a few exceptions, but it has become very apparent to me that individuals who take the time and effort to prepare a strategic business plan AND a “Seed Fund” for their idea have a better chance at succeeding.

A strategic plan includes developing critical milestones that must be achieved and establishing detailed action steps necessary to achieve them.  It should also include financial targets that must be achieved for the business to be considered a successful effort.

Having some money available to start the business with is essential as well.  I have seen too many good business ideas fail before they could mature simply because the business was too highly leveraged with debt.

And of course, one should always remember Warren Buffets number one rule of money management – “Don’t lose money.”

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On Twitter yesterday, I saw the following tweet from “DebtFreeGuy”:

“Real generosity is doing something nice for someone who will never find out. “

Well said.  Well said!

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