Archive for September 2010

How To Crush Your Finances: Divorce

Divorce is one of the top reasons that people struggle financially.   The old adage is true:

Marriage is grand.   Divorce is one hundred grand.

Divorce crushes finances because:

  • HOPE is lost
  • Maintaining 2 households instead of 1
  • Child support is very costly
  • Alimony is very costly
  • Attorneys take a huge chunk of cash

Have you been divorced or are you a child of divorce?   Would you be willing to share with us your experiences of how divorce has impacted you financially?

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NewSpring Church – The Blessed Life

I had the opportunity to speak at NewSpring Church on Sunday in their series titled “The Blessed Life.”

My message was Part 3 of the three part series, and it was titled “Positioned To Live The Blessed Life.”

You can watch/listen to the message HERE.

I am so grateful for the day that Perry Noble walked into my house and said, “God told me to go start a church.   Will you consider being a part of it?”   If you have never read his website, I consider it the top leadership blog in the world.   Yes.   I said THE WORLD.

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IHHE RANT: START TODAY!

I am praying and pleading that I have met the last person who will say to me, “If I get [insert item/monetary amount here], then I will be able to go do what I really want to do with my life.”

Are you kidding me?   Life is too short to spend wishing and hoping.   If you KNOW that you are called to do something, then get started today!   You may not be able to do it full time right now, but you can at least do it part time and develop the skills necessary to take it to full time.

You want to start a business?   Start doing the work part-time right now!   You want to be a stay-at-home mom?   Make the financial decisions necessary to at least work one less hour per day or one day less per week.   You want to travel around the world?   Start researching now on the Internet and save money to be prepared for the day that the dream WILL arrive!

STOP saying, “If I …”, and instead START saying, “I am ..” or “I will” or “When I”!

You CAN do what you are called to do.   What can YOU do to get started toward it today?

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I had the opportunity to speak at NewSpring Church on Sunday in their series titled “The Blessed Life.”

My message was Part 3 of the three part series, and it was titled “Positioned To Live The Blessed Life.”

You can watch/listen to the message HERE.

I am so grateful for the day that Perry Noble walked into my house and said, “God told me to go start a church.   Will you consider being a part of it?”   If you have never read his website, I consider it the top leadership blog in the world.   Yes.   I said THE WORLD.

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Restaurant.com: 80% OFF Using Promo Code “Autumn”

Those who have attended a Financial Learning Experience or who read this blog regularly know that I love using Restaurant.com gift certificates as a way to maximize my cash envelope money for Dining Out!

Through Sunday, Restaurant.com is offering 80% Off of their gift certificates PLUS purchasers will also receive an additional $10 gift certificate!   Just search for your favorite restaurants HERE, and then grab a gift certificate – receive the discount by using the Promo Code: AUTUMN

As a matter of fact, I will be using a Restaurant.com gift certificate today at one of my most favorite restaurants – Sullivan’s Metropolitan Grill!

Just so you can see how the math works out:

$35 meal

– $25 gift certificate

+ $2 cost of gift certificate

===========

$12 + tip!!!     For a $35 meal!!!

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93 Days Until Christmas

There are 93 days until Christmas!   Have you begun saving money so that you can purchase presents?

5 Things You Can Do To Prepare Financially

  1. Use the Mini-Budget (HERE) to write down every person for whom you are purchasing a gift. Use this tool to determine how much you are going to spend for each person.
  2. Set a target savings amount. Your Mini-Budget will help you establish your goal!
  3. Save an equal amount per paycheck. Divide your total goal amount by the number of paychecks you will receive between now and Christmas.   For example, if your goal is $720 and you are going to receive 5 paychecks between now and Christmas, you should save $144/paycheck.
  4. Be ready for Black Friday! My friend, The Saving Freak, always runs an annual series on Thanksgiving week helping people prepare to take advantage of amazing deals on the weekend following Thanksgiving.   Look at your newspapers and on-line deals – and have the money ready to take advantage of terrific savings!
  5. Stick to the plan! No matter what happens – do NOT overspend the plan!   By taking the time to plan now, you will greatly improve your chances of success this Christmas!

Repeat after me – “NO DEBT THIS CHRISTMAS!”

How have you prepared to pay for Christmas this year?

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