Archive - October, 2009

Saving Money On Groceries AND Upcoming Workshop

I have been saving a TON of money on groceries for the past several months.   I have saved the money using COUPONS!

Here are the websites I have been using:

The IWBNIN team is offering a new workshop that we are taking to communities that not only teaches you how to save money on groceries, but on nearly everything you buy – including travel, restaurants, phone service, shopping, insurance and many more!   The NEXT workshop is in Greenville, SC on November 5th – you can learn more and REGISTER HERE.   If you are interested in hosting a workshop, contact our team HERE.

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(It’s free!)

And The Sangl’s Will Be Having A …

A BOY!   On or around February 6, the Sangl Family will be welcoming a baby boy to the family.   Everything looks tremendous, momma is feeling great, and the “nesting” is in full-force.   We spent the day today taking out all of the baby stuff that we put away nearly 10 years ago.   We have some good stuff that we can use, but I am betting the pink dresses won’t work well …

Here’s a money saving tip if you are a cash-paying customer …       The 20-week ultrasound costs around $350.   We discovered that our local college (Greenville Tech) will provide it for FREE – all you have to do is schedule it!   We were able to have our ultrasound performed by a senior and then checked by the instructor to make sure everything was done correctly – and it was all FREE.

Again – Thanks to everyone who voted on “boy” vs. “girl” – the boys led the girls in the voting 123 to 78.

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If you do not know the full story of the MIRACLE that our new son is, you should take a few minutes to read about it HERE.

Baby Sangl: One Last Chance To VOTE

Tomorrow we find out what God only currently knows about Baby Sangl #2 – Boy or Girl.   I will share the results on the blog (I will probably Twitter it earlier).

You have one last chance to vote …   🙂


Baby Sangl #2 will be a ...
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Can you tell that I am excited?   By the way, we are still working on the Baby Sangl Savings Spectacular so that no debt is incurred with his/her birth!

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SERIES: Fundamental Rules Of Money Management II

Welcome to a new series on the wildly popular!   In this series, I will be sharing what I believe are Fundamental Rules Of Money Management.     I look forward to reading your thoughts on this topic!

Rule #2 Sow Some Seed

It appears that this series is taking on a farm angle …   It is the most basic and fundamental fact of farming.   If you want to harvest something, you better plant something.   I can assure you that if you do not plant corn kernels in the spring, you will not be able to harvest 150 – 200 bushels/acre of corn kernals in the fall.

How does this relate to finances?   I see some key similarities:

  • Being stingy with seed leads to a poor crop If you want to have no money, don’t save any money.   Don’t invest any money.   I can promise you that you will always have no money (a poor crop).
  • Some seeds will be eaten or rot You can coat the seed with pesticide and other deterrants, but some of the seeds will still be eaten.   Still others will rot.   Others will not germinate.
  • If enough is planted, an abundant harvest will happen If enough seed is planted, it sets in motion the path toward an abundant harvest.   There is nothing like running the combine through the fields and emptying the hopper into the grain trucks – the result of all of your efforts in the spring.
  • One seed usually produces hundreds or thousands of additional seeds! The seeds that produce will yield an incredible harvest.

Are you sowing some seed so that you can reap a harvest?   Let’s make it practical.   Are you investing in your 401(k)?   Are you saving money for your dreams?   Are you directing money into investments like real estate, small businesses, stocks, bonds, and other proven ways to maximize the growth of your money?   Sow some seed.

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SERIES: Fundamental Rules Of Money Management I

Welcome to a new series on the wildly popular!   In this series, I will be sharing what I believe are Fundamental Rules Of Money Management.     I look forward to reading your thoughts on this topic!

Rule #1 Make hay while the sun shines.

I was raised on a farm in Indiana, and one thing we learned was that we needed to make hay while the sun was shining.   We knew that a time of famine was coming (winter) when there would be no fresh food to feed the livestock.   This made it imperative that we cut the grass, dry it in the sun, bale it, and store it WHILE IT WAS AVAILABLE.

How does this relate to finances?   I see some key similarities:

  • There will almost always be a time of famine The job lay-off, an unexpected pay-cut, an unanticipated healthcare issue, or increased expenses can lead to financial famine – especially if one has not saved for such a famine.
  • When you cut hay, more will grow to replace it If the grass is not cut, it will mature and die off.   It will also prevent additional growth.   If you cut the hay, it stimulates new growth.   The same is true for finances.   If you save some, it will lead to new financial growth!
  • When you have plenty of hay saved up, it leads to confidence When you have an emergency fund of money saved up, it can help you take a few risks and not jeopardize your entire financial situation.   You can absorb some costly expenses.

When you are in a period where you are making excellent money and life is good, it is time to save and store up for the future.   Make hay while the sun shines.

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70 Days Until Christmas!

We are only 70 days from Christmas!   This is a KNOWN, UPCOMING EXPENSE.   Ignoring known, upcoming expenses is one of the number one reasons that budgets fail.

You have 70 days until Christmas, but really probably only 40 or so to save for it.   Have you committed to pay cash for Christmas this year?   Share your progress!

If you have saved nothing for Christmas so far, what steps are you going to take to avoid debt?

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Related Posts:   SERIES:   Save Money For Next Christmas

Upcoming Events

I am FIRED UP about the upcoming month!   We are going to be able to help a ton of people become financially free – that is what this is all about.   Check out the upcoming events below – we would love to see you at one of them!

October 15, 2009 The Master’s Touch – Orlando, FL

October 17 – 18, 2009 Emmanuel Wesleyan Church – Salisbury, MD

  • October 17, 2009   Financial Counseling Experience
  • October 18, 2009   Speaking 10:30AM Service
  • October 18, 2009   Financial Learning Experience 6PM – 8PM

October 24, 2009 Crossroads Church – Douglasville, GA

  • Financial Freedom Experience Conference   9AM – 4PM   Register by calling the church

October 24, 2009 NextLevel Church – Newington, NH   (Taught by IWBNIN team member – Mark Asbell)

  • Financial Freedom Experience Conference 9AM – 3PM   REGISTER

October 25, 2009 Revolution Church – Canton, GA

  • Speaking 8:30AM; 10:00AM; 11:30AM services
  • IWBNIN Savings Workshop 4PM – 6PM   REGISTER

October 31 – November 1, 2009 Cornerstone Church – Auburn, AL

  • October 31, 2009   Financial Counseling Experience
  • November 1, 2009   Speaking 8:30AM; 10:00AM; 11:30AM Service
  • November 1, 2009   Financial Learning Experience 6PM – 8PM   More Info

November 5, 2009 Brutontown Community Center – Greenville, SC

  • I Was Broke. Now I’m Not. Savings Workshop   REGISTER

November 9, 2009 New Psalmist Baptist Church – Baltimore, MD

  • Stewardship Challenge (speaking along with Dr. John C. Maxwell, Rick Campbell and Bishop Walter Thomas)

November 14 – 15, 2009 Cross Roads Church – De Motte, IN

YES!   This is what this crusade is all about.   We are   HONORED, HUMBLED, and FIRED UP to be able to partner with so many great churches and organizations.

I would love to partner with your church, business, or non-profit organization to provide PRACTICAL and RELEVANT teaching on personal finances.   If you are interested, we still have a few dates left in 2009.   Contact our team HERE to begin the conversation!

New Tool: Camera Savings/Pay-Off Spectacular

We have added yet another “Spectacular” to our SPECTACULAR LIST OF TOOLS (all of them FREE by the way – because we ALL like FREE, right?)

DeAnna e-mailed the IWBNIN team and asked for a Camera Spectacular.   DeAnna, your request is now reality!   Your Savings and Pay-Off Spectaculars for the Canon XSI are now available HERE (Pay-Off Spectacular) and HERE (Savings Spectacular).

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October 22: Boy or Girl

On October 22nd, Sangl Baby #2 will have to identify him/herself.   Let’s have a little vote, shall we?   What do you think – vote now!

Baby Sangl #2 will be a ...
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Survey results will be shared on October 22 AM with the REALITY being shared later that day!

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Save Money On Groceries –

I am excited about, a new website that has been developed by The Saving Freak (a member of the IWBNIN Team).  It is focused on helping you save TONS money on groceries and consumer goods.

The IWBNIN team is passionate about helping you accomplish far more than you ever thought possible with your personal finances.  It drives everything we do.  The Saving Freak is passionate about saving money and teaching others how to do the same.

Check out (or better yet, SUBSCRIBE via RSS or Email) and save a TON on groceries!

NOTE FROM JOE:  The Saving Freak will be teaching about in addition to "how to save money on nearly everything you buy" at the I Was Broke. Now I'm Not. Book Signing/Seminar – TONIGHT, October 7th, in Anderson, SC.  Click HERE for more information and to register.

John Maxwell & Stewardship Challenge Conference

On August 18 and 20, I had the privilege and honor of speaking along with Dr. John Maxwell, Pastor Brian Tome, and Pastor Steven Furtick at the Stewardship Challenge Conferences held in Cincinnati, OH and Charlotte, NC.

On October 15th and November 9th, two more of these outstanding conferences will be happening.  If you are in church leadership or are leading stewardship for your church, this is one event you do not want to miss.  I PROMISE that you will be challenged AND equipped to address stewardship challenges in new and effective ways!

On October 15th, the Stewardship Challenge will be in ORLANDO, Florida!

On November 9th, we will be in BALTIMORE, Maryland!

At each event, Dr. John Maxwell, Dr. Rick Campbell, and I will be speaking.  In Orlando, Pastor Tom Mullins will be the guest speaker.  In Baltimore, Bishop Walter Thomas will be the guest speaker.

Click HERE to learn more and to register.

I would love to see you there!  I can't wait!

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Top 10 Signs You Are In A Financial Mess

A friend of mine recently asked me what were some of the top signs that someone was in financial distress.  I sent him the below list.

  1. You have $0 in savings
  2. You know exactly how much you have left in overdraft protection – and you USE it
  3. You are well aware of what the term "NSF" means
  4. You leave bills unopened because you are scared of what is inside
  5. You are saving nothing for retirement and planning on the lottery and the government to take care of you
  6. Your kid has 53 Webkinz, but you have nothing saved for their college
  7. You borrow money from your children
  8. You borrow money from a payday loan store or a pawn shop
  9. You have $483,000 in credit card debt
  10. You are 35, have no job or income, live in Mom's basement, and wonder why things are not going well (financially or otherwise)

Would you add anything to this list?

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Next Steps Site Update – Free Samples

For this Saturday morning, we have updated our Next Steps site "Free Samples" section with a link to  It is a great place to sign up for a variety of free stuff – if you don't mind increasing the quantity of e-mail and regular mail!

Check out the free samples link HERE.  You might just want to browse the entire "Budget Boosters" section while you are at it.  It is how me and my team have saved TONS of money!

Sangl Home Pay-Off Spectacular – October 2009

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:  805 810

Squares Remaining:  1621 1616

% of House Owned By The Sangl’s:  33.2% 33.4%

% of House Owned By Wells Fargo:  66.8% 66.6%

Here is the updated “Sangl Home Pay-Off Spectacular” (Click on the picture to view the larger, cleaner version)

We have FINALLY paid off the complete perimeter of our house! AWESOME!  The next time around will require a lot less squares!  I have now begun to pay off the sunroom portion of our house – an area that the Sangl’s closest friends know how much labor was required to make this room what it is!

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

I Was Broke. Now I’m Not. Book Signing/Seminar

The I Was Broke. Now I'm Not. Book Signing/Seminar is coming to Anderson, SC this coming Wednesday, October 7th – have you registered?

Participants will learn:

  • How to prepare a written spending plan (budget) that actually works!
  • Strategies for achieving debt freedom
  • How to save money on nearly everything you buy – including groceries, restaurants, insurance, shopping on-line, entertainment, phone service, and many more!

Class Materials include:

  • Seminar materials
  • One signed copy of I Was Broke. Now I'm Not. per ticket (one per individual or household ticket)

Space is limited so REGISTER right away!