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Plans

January 2, 2007 in Budgeting, Finance, Saving with 1 Comment

Do you have a plan for your finances in 2007?

Why not?

QUESTIONS

Would you have surgery performed by a doctor who did not have a plan?
Would you build a house without a set of plans?
Would you take a vacation without a plan?
Would you go to war without a plan?

It won't take long, and you will not regret it! When you write down your goals, the chances are increased 100-fold that you will achieve them.

Why not take the time right now to meet with your spouse and develop a written plan for your finances in 2007.

In the spirit of your taking the major step to write down a plan for your 2007 finances, here is a list of questions you may want to consider.

Do you have any major repairs coming up for your house or vehicles? How much will it cost?
When are you going on vacation? How much will it cost?
Are there any major events occurring in 2007 that will cost money? Weddings/Birthdays/Anniversary
How much do you want to spend on 2007 Christmas? Divide the number by 12 and start saving now!
Are you getting a tax refund? If so, write down a plan on paper that details how/when/where it will be spent/saved/given.
Are your children going to college? How much have you saved, and how much will you need?
Can you bump up your contributions to your retirement savings?
Can you bump up your giving to worthy causes that you fiercely believe in?
Are you budgeting all of your spending on paper before the month begins and making your money obey the INCOME - OUTGO = EXACTLY ZERO formula?

Hopefully these questions will assist you as you develop a plan to win with your money in 2007!

I personally can't wait to see what is going to happen in 2007!

Pay-Off & Savings Spectaculars!

January 1, 2007 in Debt Reduction, Home Pay-Off Spectacular, Saving with 8 Comments

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Proverbs 14:30-31

December 19, 2006 in Finance, Saving with 0 Comments

30: "A heart at peace gives life to the body, but envy rots the bones."

31: "He who oppresses the poor shows contempt for their Maker, but whoever is kind to the needy honors God."

As I help folks get their finances in order, I cast vision as to "how things could be" IF "they would just do this, this, and that." Many times this involves selling some stuff - cars, boats, motorcycles, houses! I want people to have nice stuff, but many times the nice stuff is eating up 50% of their budget OR MORE. Folks just will not win with expenses like that!

As I cast vision, it is not unusual for me to say, "If you sell the two cars and buy two used cars, you could be debt-free except for the house in 12 months. If you keep the cars, you may be debt-free in 60 months." Or I might say, "If you sell the boat and motorcycle, you could be debt-free immediately. If you keep the boat and motorcycle, you may be debt-free in 72 months."

When I mention selling some stuff, I begin encountering resistance! This is their stuff! They love their stuff! They bought this stuff, and they want to keep it! Even when it is eating them alive financially! Even when they are not able to give one thin dime and are not assisting others at all!

As I go through meetings like this, I see that God's word is true. Proverbs 14:30 says that "envy rots the bones". When people have a bad case of stuff-itis, it is usually a result of envy. They saw someone else with that item, and they wanted one too. The difference is that they could not afford it. The verse also says that "a heart at peace gives life to the body." When stuff-itis is cured, WOW! The peace is awesome! Knowing you could go to the store and buy anything in there, but not doing it because you really don't need anything. Wow! I am telling you it is AWESOME! Jenn and I have been vaccinated against stuff-itis, and it feels good!

Proverbs 14:31 says that "whoever is kind to the needy honors God." I guess that is why it pains me so deeply in my soul when I see people up to their eyeballs in debt with a bad case of stuff-itis. They are so loaded up with their own wants that they do not even see the the needy, let alone help them.

The solution? Get a vaccination against stuff-itis!

Financial Learning Experience!

December 5, 2006 in Budgeting, Event, Finance, Saving with 3 Comments

Last night was simply amazing!!! I had the opportunity to teach the tools that Jenn and I used to obtain financial freedom to over 350 people! It was awesome!

I was able to swim in credit cards last night. If anyone has a picture of that, I want it! It was totally unplanned, but it just felt right.

I was able to show people how to calculate their debt freedom date. You can do it as well! I have loaded the Debt Freedom Calculator under "Tools".

I was also able to show people how to spend all of their money on paper before the month actually begins. There is POWER in putting this plan TOGETHER BEFORE the month ever begins. You can obtain a blank budget and start doing this for your family as well. Just click on "Tools" above.

We took the time to write out the reasons we want to be financially successful and write down goals that we want to achieve. For many people in the room, it was the first time that our dreams were written down on paper! For many people, it was the first time in years that they have been able to even dream!

We calculated how much money we will need in our retirement funds to be able to retire, and once again we observed the power of compound interest. It IS the 8th wonder of the world! $100/month for 40 years @ 12% annual growth is $1,176,477. The money invested is $48,000, but the value is $1,176,477. WOW!

At the end of the Financial Learning Experience, everyone completed a survey. I wanted to share some comments that were made because they have rocked my world and are THE REASON I do what I do.

What are you going to do as a result of what you learned tonight?

Do a budget plan with my husband for the 1st time in 32 years. (WOW!)
Work on our finances together
Change our lives
Start tonight
Plan a financial goal tonight
Calculate my debt freedom date
Start investing
Share with my wife
Work with my husband on our finances
Make a budget
Share the information with husband and children (wow!)
Sign up for the 5 week class
Stop adding new debt

To those who attended the FLE tonight, THANK YOU! I am so PROUD of the HUGE step you made tonight to learn more on how to improve your finances. This was a HUGE step. Do you know that over 690 people signed up for the FLE, but only 350 showed up. Why? Because it is TOUGH to face the dragons! This is emotional.

Never stop pursuing education about this! Don't give up after one month of budgeting. The 1st month is the toughest. You CAN do it.

Thanks!

You can start saving today.

November 21, 2006 in Saving with 0 Comments

It may seem impossible to be able to save money for you. All of your money comes in one day and leaves the next day with someone else's name on it. Yet, you know you need to save money. The problem is figuring out how to do it! Here are some practical ideas for you to try:

Pull out $25 every month and put it into a jar at home. You will not miss the $25, and it will grow faster than you think.
Have $25 automatically drafted out of your account once every month. Have it drafted to a bank account that you do not have easy access to. This increases the chance that you will keep it there.
Pull out $25 every month and give it to someone else that you trust to keep it for you. Give them permission to ask questions when you ask them for some of the money.
Use a $5 bill every time you visit a vending machine. Keep the change and place it into a jar. If you hit the vending machine twice a day, use a new $5 bill every time you visit. I had a friend who did this and his jar of $1 coins set him far down the path to debt freedom!
Use a cash envelope system for your food, entertainment, and blow-it money. Make it your goal to have at least $25 left at the end of the month. Take that money to the bank (or the cookie jar).
Pack your lunch to work. Very old school, but this method still works wonders! I can eat my lunch for less than $1/day when I pack my lunch. Use the difference between what you would have spent at restaurants and what you paid for your packed lunch to save in a cookie jar/bank.
Move to a National Forest and sleep in a tent for a year and hunt game and berries for your food. This will significantly lower your housing and food costs. OK OK OK, I was just checking to see if you were still reading.

If you are wanting to start an investment in a mutual fund, you can actually start it with $25! You will have to set up an automatic monthly draft into the mutual fund of at least $25/month as well. How awesome is that? You CAN start investing with as little as $25! My Dad gave me a book when I was around 12 years old. It was about the power of systematically saving money and compound interest. The name of the book is The Wealthy Barber and it was written by David Chilton. What an awesome lesson! It was reaffirmed to me when I was around 19 years old and on a Thanksgiving trip to a house full of rabid Georgia Bulldog fans. A cousin told me that I needed to be saving now and should continue to do so every single month. "Even if it is only $50/month," he told me. $50 a MONTH? I was in college! $50 was approximately $1,000,000 for me! But I started saving and investing every single month. I have never regretted it. Neither will you.

Have you taught your children about compound interest?

November 7, 2006 in Finance, Saving with 1 Comment

Pardon me while I rant about this topic again! I met with another person today who did not know about compound interest! When I am able to show a person the POWER of compound interest and how it can help them (investing) or hurt them (paying interest on debt), I get pumped up! This is LIFE-CHANGING information! I cannot believe that schools in America are not required to teach this to every single student! Math teachers should be required to teach it every single day! I mean, I have learned about derivatives and integrals and kernels and that knowledge does not help me every day, but compound interest DOES help me every single day! I know that my investments are relatively small today, but, oh baby, when I see where they will be in 10 years, 20 years, and 40 years from now. WOW!!!! $100/month at 12% return for 40 years is $48,000 invested but is worth $1,176,477! Are you investing YET? RUN to the nearest investment office! Have you taught your children about this? Do not depend on the school to do it! You need to teach them and model this for them. Kids get this stuff!