Happy Anniversary To My Parents

It was 52 years ago today that my parents said, “I do!”

I’m glad they did!

Like any couple who has celebrated 52 years of marriage, they have kept their vows in spite of major challenges.  It is worthy of honor so here is a list of things I wanted to point out that make me proud to say I am a son of Roy and Sandra Sangl.

  • My father started a business from scratch and made it pay off.  I NEVER heard him complain about getting up to work.  EVER.  He was up long before I opened an eyelid.
  • My mother always had breakfast ready to roll.
  • They had six children – all of them boys – with the perfect ending of identical twin boys (I was one of them and they tell me I was born 7 minutes after my twin bro).
  • They survived the raising of all six of us without going completely crazy.
  • I was brought to church every Sunday AM, Sunday PM, Tuesday, and Thursday – then youth on Friday night
  • They raised us on a farm – complete with hogs, cows, chickens, ducks, dogs, cats, corn, soybeans, and wheat.
  • They raised us to be thrifty.
  • I got to observe business ownership from the inside – the good, the bad, and the ugly
  • My mother taught me how to crochet – which is a man-skill because if we get stuck in the jungle, I know how to do some serious weaving and knot-tying
  • Family gatherings have always been a priority.  I can’t remember a holiday growing up where there weren’t at least 30 to 40 people present.  For me, going to hang out with family has always been something I look forward to – not an obligation.
  • They are hilarious.  Trust me on this one.  Watching and listening to them is a rolling circus.

Mom and Dad – Congratulations on 52 years!

 

Happy Birthday To My Bride

 

It is my bride’s birthday.  That means I want to take this day to celebrate my bride’s birth!  I am so glad that the Lord saw fit to give her life!  She is a wonderful bride, wife, and mother.

Here are  10 Reasons I love my bride:

  1. She loves Jesus
  2. She loves me
  3. She is beautiful!
  4. She has carried two beautiful children into this world – a daughter and a son
  5. She is a neat-freak and our house is ALWAYS a welcoming environment because of her
  6. She is THE REASON I even get to do what I get to do – she is responsible for the entire crusade’s starting and its ability to continue impacting people across the world
  7. She is a saver with money and a risk-taker with life!
  8. She is a graduate of Purdue University (best school ever)
  9. She is my closest friend and confidant and provides the best counsel I have ever heard
  10. She is a leader – I believe that she could lead a ministry that has 1,000-times the impact that IWBNIN has had!

Those are just 10 reasons.  I could list at least 1,000 more.

I love you, my beautiful bride.  Happy Birthday!

SERIES: Proverbs 14:4 – Put Your Oxen To Work – Part 2

Welcome to the latest series on JosephSangl.com – “Proverbs 14:4 – Put Your Oxen To Work”

Proverbs 14:4 – Where there are no oxen, the manger is empty, but from the strength of an ox comes an abundant harvest.

Part 2  Identify your oxen.

In Part 1, we investigated the meaning of this verse and discovered the truth that “To accomplish more financially, you’ll need oxen to help you.”  Now that this is known, it is important to identify the potential “oxen” that could work for you – in place of you – and produce additional income (abundant harvests).

A retirement investment account (such as a 401(k), 403(b), 457, TSP, or Roth or Traditional IRA) are oxen.  Think about it.  When your retirement investments go up in value over time, does it require much effort from you?  Absolutely not.  Like an ox, you will need to occasionally provide direction and guidance to the investment account, but it will do the heavy lifting for you and take your finances places you can not get to on your own.

Another form of oxen is business ownership.  An owner of a McDonald’s franchise makes money even when they are at home asleep because the system is producing profits without their active and direct involvement every minute of the day.

My books, I Was Broke. Now I’m Not., What Everyone Should Know About Money Before They Enter The Real World, and Funded And Free are oxen.  People purchase the book during all hours of the day and night.  It helps them prosper with their finances, and it provides income so that our team can stay focused on developing new resources to help people and live out our call and passion.

Real estate such as rental houses, commercial properties, and land can increase in value regardless of your attention or effort.

It is time for you to acquire some oxen and put them to work for you!

TRUTH:  Significant wealth is achieved when one identifies ways to produce income regardless of effort or time invested.

We’ll talk more about acquiring oxen in Part Three.

Read the entire series (available after 9/15/2011)

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SERIES: Proverbs 14:4 – Put Your Oxen To Work – Part 1

Welcome to the latest series on JosephSangl.com – “Proverbs 14:4 – Put Your Oxen To Work”

Perhaps no verse has had more of an impact on my financial management than this verse.  I believe that if you apply these principles, your finances will be forever changed.

Proverbs 14:4 – Where there are no oxen, the manger is empty, but from the strength of an ox comes an abundant harvest.

Part 1  Understand the verse.

I was reading this verse several years ago, and it literally changed my entire mindset about financial management.  Perhaps it is because I grew up on a farm and connected with the talk about farm animals and equipment.  Maybe it is because I am continually learning more about finances.  Whatever the reason I like this verse, I promise you that it can completely change your finances!

Think about your ability to work.  No matter how strong you are, how much energy you have, or how determined you may be, there is only so much work you can do.  There is only one you.  You can work more hours.  You can work 20 hours per day, but you will reach a limit.

As a farmer, there is only so much you can do.  Help is required to accomplish more.  With oxen, so much more can be accomplished.  They are STRONGER than you are.  They have MORE ENDURANCE than you do.  They even have SKILLS you don’t have (ever attempted to pull a barn by yourself?)

TRUTH: To accomplish more financially, you will need oxen to help you.

We’ll talk about that in Part Two.

Read the entire series (available after 9/15/2011)

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I Was Broke. Now I’m Not. APP

I’m excited to announce that our APP has been updated to include the most requested feature – The ability to sync your budgets across multiple phones/devices!

Our APP is available FREE for all Apple mobile products including iPhone, iPod Touch, and iPad as well as all Android mobile products!

Download the APP now:

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What Are You Thinking?

The more I serve people across this nation, the more apparent it is to me that what you think is just as important as what you do.

In fact, I believe this statement to be true:

“Who or what you think will ultimately determine what you do.”

I meet people all of the time who say, “That is just impossible for me.”  The end results indicate the truth of their statement. One might say, “I can never make enough money to pay my bills.”  They end up struggling to pay their bills all of the time.
The statements lead to a “self-fulfilling prophecy.”

At other times, I meet people with very similar circumstances who say, “With the Lord’s help, this can happen.”  The results usually are positive!  What you believe, think, and say will absolutely impact the outcomes in your life.

ACTION:  Take today’s thoughts and write them down.  Are these thoughts helping you move toward your desired outcome?  Resolve to make it so!

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Ways To Become Wealthy – Part 4

Welcome to the latest series on the wildly popular JosephSangl.com – “Ways To Become Wealthy.”  In this series, I will share the ways that I have seen people build wealth.

Part 4  Reduce spending and invest the difference

If you have read this blog for any time at all or have participated in one of our classes or group studies, then you know that compound interest is a powerful tool that anyone can use to build wealth.

Let’s say that you are currently unable to save money with your current budget.  We know that saving and investing are absolutely critical and essential for building wealth, so a thorough review of the budget is conducted to identify potential ways to reduce spending.

Suppose the following items are identified:

  • Cable TV – $100/month (could lower service and save $40/month)
  • Home Telephone – $35/month (could eliminate and save $35/month)
  • Cell Phone Service – $100/month (could reduce service and save $10/month)

Total savings: $85/month

Using our free “monthly investment calculator” tool, we see that $85/month for 30 years at 12-percent annual rate of return will be $297,072!

Question: Is it worth it to reduce cable, eliminate home phone, and reduce cell phone service in exchange for nearly $300,000?  AB-SO-LUTE-LY!

ACTION QUESTION:  What are some potential reductions you could make in your own budget?

Review your budget and identify potential reductions.  Make the decision to re-allocate the savings to your investments!

Read entire series (available on 9/2/2011)

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Twitter – “Follow” Joseph Sangl

Many of you already know this, but I have a Twitter account where I share updates about what is going on with this crusade to help people accomplish far more than they ever thought possible.

If you are on Twitter, click the button below to follow me (or click HERE) and I will follow you back!

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Sangl Home Pay-Off Spectacular – September 2011

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

Her’s this month’s update!

Total Squares:  2,426

Paid-For Squares:  971 990

Squares Remaining:  1455 1436

% of House Owned By The Sangl’s:  40.0% 40.8%

% of House Owned By Wells Fargo:  60.0% 59.2%

Here is the updated Sangl Home Pay-Off Spectacular (click to view large size)

We have now been attacking the mortgage for SIX months in a row!  Next month, we will completely own our sun room.  We began coloring in this room in October 2009.  I’m blessed to be able to continue to aggressively eliminate the mortgage and pray that this can continue in the future!

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

Ways To Become Wealthy – Part 3

Welcome to the latest series on the wildly popular JosephSangl.com – “Ways To Become Wealthy.”  In this series, I will share the ways that I have seen people build wealth.

Part 3  Own A Business

Owning a business may not be for everyone, but this is one of the key ways that an individual can build wealth.  Think about this question for a minute – How much work can YOU physically do?  50 hours worth?  60?  80? 100?  At the end of the day, you only have two legs, two arms, and 24 hours to work.  Sure, you can increase your workload for a period of time, but eventually exhaustion will catch up with you.

A business system focuses the efforts of MORE people than just you!  The collective effort of many people yields far more than you can do on your own.  You can serve more people, reach further around the globe, and produce wealth!

I remember reading Proverbs 14:4 several years ago, and it captured me.

Where there are no oxen, the manger is empty, but from the strength of an ox comes an abundant harvest.” – Prov 14:4 (NIV:1984)

Think about it.  If you have no oxen, YOU have to do all of the work.  However, if you do have oxen, the oxen will do the work for you!  Think of a business as oxen.  The oxen will do more work for you that you simply do not have the capacity or ability to do!

ACTION QUESTIONS:  “What are your “oxen” that are producing wealth for you?  Do you even have oxen?  What can you do to get an ox?”

Read entire series (available on 9/2/2011)

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Ways To Become Wealthy – Part 2

Welcome to the latest series on the wildly popular JosephSangl.com – “Ways To Become Wealthy.”  In this series, I will share the ways that I have seen people build wealth.

Part 2  No decisions available; No choice involved; and Ridiculous Options

  • Be born into wealth  Of course, you can’t choose this option, but this is certainly one way to become wealthy.  If this is you, congratulations.  Commit to use that wealth to build more wealth and serve others in incredible ways.
  • Marry into wealth  You can choose this option, but a person is pretty shallow if this is the criteria for a spouse!
  • Win the lottery  Current odds of Powerball Lottery is 1 in 195,249,054.
  • Inherit money from a long-lost relative  Who knows?  You might be a descendent of a long-lost king!

ACTION QUESTION:  “Are your children being born into wealth?  What steps are you taking to leave an “inheritance for your children’s children?”

While this was a fun blog post to write, we’re getting serious in Part 3!

Read entire series (available on 9/2/2011)

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Hiring Office administrator – Anderson, SC

Our team is looking for an office administrator.  This is a full-time position and is eligible for benefits.

Are YOU the one?  You might be if …

  • You want to serve on a team that is high-energy
  • You want to be a part of a team focused on excellence and growth
  • You are excited to serve churches across the globe
  • You are excited to serve people
  • You are FIRED UP about life
  • You love details and administration and computers and software and phones and Internet and social media

This position will be based in Anderson, SC.

Take a look at the Job Posting HERE.

If you are FIRED UP and feel like this would be a great way to invest your life, send your resume to joes@injoystewardship.com

This is an immediate need, and we’re hiring as soon as we identify the right person.

Ways To Become Wealthy – Part 1

Welcome to the latest series on the wildly popular JosephSangl.com – “Ways To Become Wealthy.”  In this series, I will share the ways that I have seen people build wealth.

Part 1  Introduction

Let’s face it, every person wants to win with their money.  When given the choice between poverty, able to pay the bills, and wealth, most people would choose wealth.  While we know that money does not buy happiness, we certainly know that money is necessary for providing basic needs for ourselves and those that depend upon us.

When it comes to money, I have two choices:

  1. Use it to invest in items that build and preserve wealth
  2. Use it to spend on items that do not build wealth

I’m choosing to invest in ways that build and preserve wealth.  My energy can be focused on learning more about how to use the resources I am blessed with or it can be consumed with attempting to distribute amongst all of the bills I owe because I never developed a plan for my money.  It’s the same amount of energy, but it is much more POSITIVE energy when I am focusing on leveraging my resources for the better.

ACTION QUESTION:  “Is this expenditure helping me build and preserve wealth or will it hamper, delay, or destroy my ability to do so?”

Read entire series (available on 9/2/2011)

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A Millionaire Response

Recently, I wrote a post that asked the question “What  would you if you had a million dollars?

A reader who identified herself as “KC” wrote an incredible response that I am sharing today (with her permission, of course).

… I will start out with our story. 10 years ago my husband and I were DEEP in debt. It took some very hard years and tough decisions (ie: no car in a northern city where it can snow any month of the year) and giving up some things that we thought were very important to us but… we are now out of debt and even better, we have that elusive 1 million dollars in assets and cash that you speak of.

What’s different? Nothing really.
Only a few lessons that I’ve learned:

If you didn’t tithe before, it’s unlikely that you will now. If you didn’t help your friends, it’s unlikely that you will now. If you don’t already save your money, it’s unlikely that you will now…

Basically I’m saying that unless you start to cultivate these things now, having a millions dollars isn’t going to change that. Your ‘mindset’ needs the change – and the money won’t change that.

I know some people who have nowhere near the million dollars that you speak of, and yet, they do all of these things and more.

With all due respect, you CAN take only $10 and gift it anonymously to someone who needs it more than you (and there is always someone in that position), you can tithe 10% of your income now, you can put money away for your child’s education now – even if it’s only $5, you CAN do all of these things.

Joe, I can understand the motivation behind your question, however I fear that it makes us forget what is truly possible right in front of us and in the situation that we are in right now.

When we were still climbing out of the deep pit of debt, some friends of ours found themselves in an even deeper pit. We helped them a little, anonymously, out of the little bit of money that we’d managed to stash away (leaving it almost at nil). But when I think back over the years, I recall that one over all of the other times that we have helped someone, that time felt as though we really made a difference to them and it made a difference to us.

Additionally, after achieving this momental moment, I’ve also learned something that I didn’t expect. When you ‘over-assist’ someone and they don’t have the joy of succeeding themselves, they don’t have the same joy in your gift. It feels like handcuffs to them. It creates an indebtedness that doesn’t belong in close relationships.

So… I guess that I am saying that a million dollars is not the be-all and end-all, it is simply one step on the many paths of being human.

- KC

All I could say when reading KC’s response was AB-SO-LUTE-LY and Amen sister!

What do you think?

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How To Prepare For A GREAT Financial Coaching Meeting

If you have arranged for a 1-on-1 coaching meeting with one of the hundreds of financial coaches we have trained, let me give you some pointers that can help you maximize that meeting.

  • Fill out the pre-work paperwork  This will take 30 – 60 minutes, but it will really help you clarify the help you are asking for and can also help you identify potential cost savings before you ever meet with your coach.
  • Write down the questions you have PRIOR to showing up  It can be difficult to recall all of the questions you want to ask.  Grab a scratch piece of paper or your smart phone and record the questions as you think of them.
  • Bring copies of your paycheck stubs and bills with you  Guesses are not nearly as effective as KNOWING the expenses your really have.
  • Write down what frustrates you most about your finances  This can allow the coach to offer suggestions that can ease your pain.
  • Bring an open mind  This coaching session is not a “beat you up” and “embarrass you” meeting.  It is meant to help you get from “where you are” to “where you want to be.”  This means it is important to be open to suggestions to new ways of managing your money.
  • Try to prepare a budget before the appointment  This experience can really help you have a better and more informative meeting with your coach since they will not need to explain how the budget tools work.
  • Bring your spouse with you  Our coaches won’t coach couples if both don’t show up to the meeting.  If you won’t both show up, the meeting would be a waste of time any way.
  • Recognize that there will be work to do after the appointment  You must realize that the meeting is just one step of the process.
  • Recognize that you are responsible for doing the work  Your coach is passionate about helping you win with your money, but YOU have do to the heavy lifting of making it happen.  No matter how much your coach wants you to win, he/she can not take the necessary steps for you.  After all, in sports it is the players that do the work – the coach is a mentor, teacher, and guide.

I hope that this helps some of you!  If you want to set up a free coaching appointment with one of the coaches we have trained, please fill out the contact form HERE and tell us the city you live in.  We will match you up with a coach, and get you started toward taking your next financial steps.

GET FIRED UP!

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