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2007 – Reflections On An Incredible Year

December 31, 2007 in Dreams with 6 Comments

What a year 2007 was!  It was my first full year on this crusade to help people win with their money, and I still can't believe what I have seen.

Here are some facts:

All of that - IN JUST ONE YEAR!!!

I am so blessed and humbled to be a part of this great crusade.  I am overwhelmed by the blessings I have in my life.

Thanks be to God for making my life's work imminently clear!  I LOVE what I get to do!  I am truly living my dream!

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ANNOUNCEMENT: The book is FINISHED!

November 18, 2007 in Dreams with 10 Comments

Tomorrow morning, my first book is headed off to the printer.

I am FIRED up!!!

The title of the book?

"I Was Broke.  Now I'm Not!"

Author:  Joseph Sangl

How weird is that?

In just a few weeks, I will have realized one of my life dreams - "To author a book and sell at least one copy!"

Anyone want to buy at least one copy?  Your opportunity is coming up! 

Wants <==> Needs

November 16, 2007 in Debt Reduction, Dreams, Home Pay-Off Spectacular with 10 Comments

Jenn are going through a season where we are SICK of paying mortgage payments.  We have been debt-free except for the house for nearly four years, but this stupid house mortgage makes us angry!

If we paid the regular monthly payment for a thirty year mortgage at a fixed rate of 6% interest, only 17% of the principal & interest payments made in the first year go to principal!  Where does the other 83% go?  To the mortgage lender!!!

No wonder people aren't winning financially!

So, Jenn and I are attacking the mortgage.  This translates to the fact that we are boosting income and cutting spending.

As part of the "cutting spending', Jenn and I are having to have the Wants vs. Needs discussion.

I have got to tell you, it is BRUTAL!

Here is what is up for cutting or eliminating in our budget:

  • Cable TV
  • Spending Money
  • Babysitting Money
  • Internet
  • Entertainment Money
  • Gasoline Money
  • Christmas Money


Here is NOT what is up for cutting or eliminating in our budget:

  • Vacation Money (we save for it monthly)
  • Retirement Savings
  • College Savings

I need some great ideas for saving a boatload of cash.  Anyone have any great ideas?

Another edition of the Weekly "I Was Broke.  Now, I'm Not!" Podcast was released yesterday!  To subscribe to the podcast via iTunes, click HERE.  If you do not have iTunes, you can download an mp3 by clicking HERE.

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My Dream Savings

November 12, 2007 in Dreams with 6 Comments

I am starting to invest in a mutual fund for my non-retirement dreams.

I thought I would share some of my non-retirement dreams.

  • A LONG trip to Australia and New Zealand
  • A LONG trip to Europe - starting in England, including Denmark, Germany, Austria, and ending in Poland.
  • A LONG trip to Israel
  • My daughter's wedding (whether I like it or not, she will probably get married some day)
  • A really nice ski boat
  • A really nice fishing boat
  • A 100 acre farm
  • A LONG trip around the United States

What are some of your dreams?

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Dave Ramsey Quotes

September 22, 2007 in Dreams, Financial Hero with 1 Comment

Dave Ramsey is an official www.JosephSangl.com Financial Hero.

Dave just signed on to a primetime show on the new TV channel - Fox Business Network, and I am pumped up for Dave and his team.  I had the chance to visit with Dave at his Brentwood studios in August, and he mentioned that this deal was on the way.

Congratulations, Dave and team!  This is yet another result of staying the course, not being denied, and facing up to the challenges all along the way!  You guys ROCK! 

So with Dave's announcement, I thought I would list some of my favorite "Dave-isms"

  • "I like the way I've built wealth better than the way you haven't."
  • "Live like no one else so later you can live like no one else!"
  • "Here is how you spell 'paying too much' => M-A-L-L"
  • "I'm debt-free!"
  • "Listen to someone who has won with money.  Not your broke brother-in-law."
  • "Sell the car.  Just sell the car.  Get rid of the car."
  • "Amputate your debt.  Sell so much stuff that the kids are afraid they're next!"
  • "I've been broke, and I've been rich.  I prefer rich."

Way to go, Dave!

By the way, one of the biggest dreams of mine is to teach at a personal finance conference with Dave!  I am using the most powerful tool on earth to make it happen - PRAYER!

Read Joe's recent blog posts

Another story of life-change was released on the podcast today!  Have you listened to the Podcast from Joe?  To subscribe to the podcast using iTunes, click HERE.  If you do not have iTunes, you can download an mp3 by clicking HERE.

I like this link (and I love the cartoon!)

September 21, 2007 in Dreams with 1 Comment

A great personal finance blogger at MyTwoDollars has written a great response to the question: "Do You Spend Money On Anything?" HERE.

Check out the cartoon!!!  I've seen people like that!!!  I think I WAS that person once!

FUNNY!

Way to go MyTwoDollars!

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Budget-Crusher Snake Drawing Available On Ebay!

September 19, 2007 in Dreams, Event with 4 Comments

After an unbelievable quantity of requests, I have posted my snake drawing for sale on Ebay.  I will donate all proceeds from this phenomenal artwork to NewSpring Church's GameTime.


You can view the artwork and place your bid on Ebay HERE.

When you look at the listing on Ebay you will note the SUBJECT I have selected to list this artwork under is "Music, Instruments" in the STYLE of "Pop Art".

Under the description, I have stated that the item will be:

  • Sold as is
  • Possibly wrinkled
  • The snake may or may not still be sticking its tongue out at you
  • The "Christmas" animal may or may not be dead yet
  • The snake may or may not smile at you - it depends if it likes you or not
  • This is a SNAKE - not a dinosaur!

So let the ENORMOUS quantity of bidding begin!

By the way, I wouldn't be surprised if this artwork sold for $1,000,000 or more.

Read Joe's recent blog posts

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Do you live near Anderson, SC?  Sign up for the Financial Freedom Class at NewSpring Church - class begins TONIGHT, September 19 and costs only $20 per household - childcare provided!  You can sign up and pay on-line HERE.

400 and counting …

September 2, 2007 in Dreams, Finance, Success stories with 0 Comments

I am a firm believer that "what gets measured gets attention".

One of the things that I measure every single week is the number of people that I have counseled one-on-one.

Last week, I passed the "400" people mark!  In just eleven months at NewSpring Church, over 400 people have been taught one-on-one how to apply the free budget tools to their own personal finance situation.

The crusade to teach 100,000 people continues ...

Does anyone who has received counseling want to share your story? 

I am PUMPED about some MORE announcements that are on the way!

Looking for additional Personal Finance Resources?  You can obtain free tools by clicking HERE and purchase books/materials by clicking HERE.

 

Weekend Thoughts

August 18, 2007 in Dreams, Event with 0 Comments

I am pumped about the number of people who downloaded Dave Ramsey's 7 Baby Steps!

The stock market is for INVESTMENTS.  I define INVESTMENTS as money that will be not be needed for 5 years or longer.  Stop whining about the ups and downs.  IT'S GONNA HAPPEN!

Vacations that you have saved up and paid cash for are way cooler than vacations that follow you home in the form of payments to the credit card or home equity line.

Have I mentioned lately that I got to meet Dave Ramsey this week?  That I got to sit in on his show and interview him during the station breaks?  That I got to meet a lot of his team members?  That I got my world rocked watching how efficiently his team worked and how focused they are on their mission of selling HOPE?!!!!!  To Dave and his entire team, I must say it again - THANK YOU!!!!

It is my dream to be able to speak at the same conferences that Dave Ramsey is speaking at and teach the interactive budgeting lesson and debt freedom date calculation (budget and debt freedom date calculators) that I teach as part of the Financial Learning Experience.  That would absolutely rock!!!

Looking for additional Personal Finance Resources?  You can obtain free tools by clicking HERE and purchase books/materials by clicking HERE.

I’m selling HOPE!

August 9, 2007 in Dreams, Hope with 4 Comments

When I meet with people to help them come up with a plan to win with their finances, I turn into a salesman.

What am I selling?  HOPE

How are sales?  THROUGH THE ROOF!!!

Every week during my classes, counseling sessions, and speaking engagements I see HOPE reappear!  It PUMPS ME UP because I know that HOPE is what will inspire one to sacrifice some fun things now to achieve lifelong dreams.

It excites me because I know that a person with HOPE will be able to plow through some tough times and hard decisions to free themselves financially and go do exactly what God put them on earth to do - regardless of the income potential!

Here are some results of some recent HOPE sales:

  • A person saw that they could be debt-free twelve months sooner if they just sold a car - so they went and sold it!
  • A person saw that they could save $600/year on car insurance - so they went and got better insurance!
  • A couple recently sat in my office and talked about finances TOGETHER for the first time EVER!
  • A couple had never been able to give to their local church like they wanted to.  From the month that they met with me, they have been able to give like they have always wanted.
  • A couple saw that they could be debt-free more than two years sooner if they just sold their cars - so they went and sold them!
  • A young couple getting ready for marriage saw how powerful compound interest was and went and set up their Roth IRA investments with automatic monthly contributions!

Folks, HOPE is there!  If you do not have HOPE, I assure you that there is a way to win with your finances!  It may not be easy.  It may not be fun.  It may not be appealing.  But for those who have decided to tackle it head-on - they are winning and I am PUMPED UP!

Looking for additional Personal Finance Resources?  You can obtain free tools by clicking HERE and purchase books/materials by clicking HERE.

Book Review: The E-Myth

August 6, 2007 in Dreams, Finance with 6 Comments

I was talking to my friend who visited over the weekend and he mentioned this book called The E-Myth.

I borrowed the book from another friend on Monday and completed reading it on Wednesday.  It is a great book for small business owners or anyone contemplating starting a small business.

A key reason that this book applies to me is the fact that I really want to help over 100,000 people accomplish far more than they ever thought possible with their personal finances by October 2011.  This will require a humongous team effort!

Here are some things I am taking away from this book.

  • The same thing that prompted me to write THIS is what will enable this effort to reach 100,000 people.  I certainly can not do it all!
  • Great doers don't necessarily make great leaders.
  • Putting together a structure and a system always trumps "flying by the seat of the pants"
  • Consistency in the overall "experience" is HUGE
  • Following the system - everyone following the same system and protocol leads to this consistency
  • Great people have a vision of their lives that they practice emulating each and every day.
  • I want to go to the hotel the author mentions in chapter 15.

Well worth the few hour read!

Tony also offers his takeaways from this book HERE.

Looking for additional Personal Finance Resources?  You can obtain free tools by clicking HERE and purchase books/materials by clicking HERE.

I have a dream …

August 1, 2007 in Dreams with 2 Comments

"I have a dream ..."  What an unbelievable start to Dr. Martin Luther King's historical speech.

As I ponder his words, it stands out to me that nearly everything important that happens begins with a dream.

I want to share with you some of my dreams ...

  • Be the best dad and husband in the entire world!
  • Have my entire church and our county become 100% debt-free!
  • Teach this personal finance stuff to 100,000 folks by October 2011!
  • Teach the Financial Learning Experience in all 50 US States - in the same year!
  • Start a university
  • Travel to Australia, New Zealand and all of Europe.
  • Speak at personal finance conferences with Howard Dayton, Dave Ramsey, Robert Kiyosaki, and David Chilton (I would actually love to set up this conference)
  • Author a book and sell at least one copy - This one is coming true SOON (at least the "author" part Smile)
  • Provide my child with a paid-for college education and a paid-for 1st house!

Have you taken the time to write out your dreams?

Looking for additional Personal Finance Resources?  You can obtain free tools by clicking HERE and purchase books/materials by clicking HERE.

Big Dreams

July 18, 2007 in Dreams with 6 Comments

I have big dreams!  Dreams that are so HUGE that if I told you, you would say "Joe - you are absolutely CRAZY!"

I mean, at my last job, they named me Mr. Quixotic.  If you look up the word quixotic, you will find that it means:

  • Extravagantly chivalrous or romantic; visionary, impractical, or impracticable

BUT I believe that people can win with their finances!  I do believe that every person has been placed on this planet for a God-given purpose!  I do believe that there is HOPE for everyone!

Today, I am going to share with you one of my HUGE dreams.  It is a God-inspired dream.  One that may be considered Quixotic...

Ready?  This is way out of my comfort zone to share this big huge audacious dream, but here goes ...

I am compelled to start a university.  Yes, a university.  An educational facility that trains up men and women in practical application of the maths and sciences.  This university will steer completely clear of theoretical mumbo jumbo.  It will strive to teach at the lowest levels of practicality.  The goal is for people to "GET IT", not be beaten up and happy to receive a 24% on a Physics exam because it is a "C" because it was so difficult.

Yes, it will offer the best personal finance education available.

It will take about $80,000,000 to get this thing started off right. 

Think I am crazy?  Go ahead.  Call me crazy.  But guess what?  Someone started Purdue University (John Purdue).  Someone started Clemson University (Thomas Green Clemson).  Someone started Liberty University (Jerry Falwell).  Someone started Anderson University (Reverend William B. Johnson and later some education-minded citizens).

So, call me crazy.  Call me quixotic.  Call me stupid.

While you are doing that, I will be out figuring out how to get this university off of the ground.

Anyone willing to contribute the $80,000,000?

Looking for additional Personal Finance Resources?  You can obtain free tools by clicking HERE and purchase books/materials by clicking HERE.

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