Happy New Year! Joy and Expectation for a Great 2011!
May You Have a BLESSED and PROSPEROUS 2011!
God has so much in store for this year,
and we know that everything He’ll do is…
going to begin and end with the Word!
So, I invite you to dig into the wonderful Word of God in 2011.
I urge you to begin calling those things that be not
as though they were, just as Romans 4:17 says.
Let God’s promises energize and refresh you. EXPECT healing and miracles, prosperity and debt-free living, as well as the protection of the Lord, wisdom, and divine favor.
Determine NOW, at the beginning of this special year, to focus your faith on living a more powerful and overcoming life in 2011. Let’s raise our expectations for what God can do in this great year!
May God bless you abundantly and fill your life with growing prosperity!
Be blessed to be a blessing –
Dave Ramsey on Holiday Shopping – 4 Tips to Celebrate Debt Free
Why Go Into Debt to Celebrate?
If the holidays are supposed to be the happiest time of the year, why does it often seem like the most stressful time of the year?
Financial stress is at the top of many people’s list this time of year.
Many folks just don’t have extra money available to do all the celebrating and shopping they desire. Yet the world puts the pressure on to buy more and keep up with Joneses; even if it means going into debt. Throwing it all on the credit card seems to be the solution.
Although after the New Year, the bills start coming in and the struggle just to pay the minimum payments begin. The struggle to get the debt paid off can go on late into the year or longer. And that only adds to the stress the following holiday season. So instead of planning and enjoying the new season, there still remains the hassle of left-over debt and the stress that goes with it.
Are you ready to end the cycle and say no more debt, no more credit? Then it is time to make a plan early in the year and stick to it so you can avoid piling up mounds of debt on credit cards.
Dave Ramsey provides the following holiday shopping ideas and tips for celebrating debt free this year:
Look for deals online before heading to the stores. Find out what the prices are at the stores you plan to visit and don’t waste your time shopping at one if you know another store down the street has a better deal.
2. MAKE A BUDGET
It’s common sense stuff, but amazing how many people have no financial plan for their spending. And when they go shopping they are like kids in a toy store buying the first flashy toy that catches their eye.
If you plan to work your way out of debt, it requires becoming disciplined during the holiday season. If you must buy for many, keep it simple and stay within your means. Don’t get caught up in the mindset that bigger is better or it will just come back to bite you when the bills start coming in after the new year.
3. USE CASH
As Dave always says, you spend less when you use cash. So stop by the bank or ATM to get your pre-planned amount of shopping cash before you hit the stores. And when it’s gone it’s time to stop shopping.
If you’ve planned ahead and followed the previous two steps then using cash should be easy. You will know what you need to buy and how much it will cost before you start. Planning time well spent!
4. START NOW – PLAN EARLY
If you haven’t made a plan this holiday season, then stop now and take some time to evaluate your situation and make a budget. Look at the big picture and consider the outcome of your choices this holiday season. Shop smart and keep it within your means.
And if this holiday season caught you off guard once again, well remember, it is never too late to try again. Next year you can make better decisions and do things differently.
Happy Holidays to All & a Very Merry Christmas!
God bless you,
Budgeting – Dave Ramsey Money Makeover
The Power of a Budget and Baby Steps to Beat Debt and Build Wealth
His path to wealth is based on seven, simple, common sense baby steps.
However, before taking the first step, he teaches the importance of a written monthly budget.
Ramsey’s book “The Total Money Makeover”made the NY Times Best Seller list. He also teaches these principles in other books and courses. Plus you’ll find him on the radio, TV, at live events and his website is www.daveramsey.com.
Dave Ramsey’s recommended baby steps are below:
1 – $1,000 to Start an Emergency Fund
We all know it is only a matter of time before the unexpected emergency happens. This is for the unexpected things we can’t plan for.
2 – Pay Off All Debt Using the Debt Snowball
List all of your debts and begin paying them off starting with the one with the smallest balance. Once the first one is paid begin using the “extra money” toward paying the next on the list, etc.
3 – 3 to 6 Months of Expenses in Savings
After the first two steps are completed it is time to start building your full emergency fund.
4 – Invest 15% of Household Income Into Roth IRAs and Pre-Tax Retirement
When you reach this step, you’ll have no payments except your house. Now it is time to get serious about building wealth.
5 – College Funding for Children
Make sure you have already started investing 15% of your income in step 4 before saving for college.
6 – Pay Off Home Early
Now is the time to begin putting all extra money toward the mortgage to realize the dream of life without a house payment.
7 – Build Wealth and Give!
Time to build wealth and give like never before. Leave an inheritance for future generations and bless others with your excess.
video clip of Dave Ramsey:
Our society today is lacking in financial common sense and discipline. Everyone wants to have things “now” but figure out how to “pay” later.
There is hope though, and there is help for anyone who wants it. I’m always very encouraged to hear the success stories of those who have gone through the Dave Ramsey course.
If your finances are a mess, it is not too late to reach out for help, make a plan, and begin taking the first step to turn things around! 🙂
May you be blessed to be a blessing!
God bless you always,
Prayer for the Abundance of God! Free Christian Meditation Download
Prayer for the Abundance of God and Freedom from Debt
“Thank you Father that you are
my Lord and my shepherd,
I do not want or have need in any area,
because You are blessing me.
You are the Almighty God, and You Lord can turn
not enough into more than enough,
insufficiency into sufficiency.
I am a doer of the Word, and I am being flooded with
supernatural overflow in my life like never before.
As You give unto me Lord, I give back and
I am a blessing everywhere I go. Lord God,
I thank You, that You are able to do exceedingly
abundantly above all that I can ask or imagine.
As I step out in faith on Your promises,
I thank You God, for Your breakthrough,
Your miracle-working power on my behalf
and I testify to how great You are Lord!
Thank you for these things, in Jesus’ name.
Download a FREE JPG image copy by right-clicking here and saving to your computer:
Prayer for the Abundance of God and Freedom from Debt
The references for this prayer come from Psalm 23, James 1:25, Genesis 12:2,
Ephesians 3:20, 2 Thessalonians 3:3.
God bless you,
P.S. Fight financial hardship by taking your focus off the spirit of debt and lack and Putting Your Focus on the Abundance of God – do this by Meditating and Confessing the Word of God Daily!
P.P.S. The image background credits go to artist Billy Alexander.
Growing Prosperity – Do You Want 7 Proven Ways to Shortcut Your Path to Wealth?
7 Proven Ways to Shortcut Your Path to Wealth
One of the paths, we all want to take on this journey, is the path to wealth…
And we want to reach this destination in life as quickly as possible.
So what are some shortcuts you can take on your path to wealth?
There are many time-tested and proven shortcuts that we can see the wealthy have in common. Some so seemingly simple that they are often overlooked in value. However, even though they may appear ‘simple’, do not underestimate the power they can have when put into action.
Without further ado, here are seven of the best ones I have discovered:
Top 7 Proven Ways to Shortcut Your Path to Wealth
1.) Acknowledge God as Your Source
Who is your source? Many people make the mistake of thinking that their job is their source of supply. But they need to realize that God is the source and uses their work as a means to let the funds flow to them.
Expect God to bless you. And remember problems and needs are opportunities for God to provide for you. His abundance is unlimited.
2.) Knowledge is Power
Is your knowledge limited? More often than not, our knowledge is far too limited to make the best financial decisions that lead to wealth.
Solomon cautions us in Proverbs 15:22, that without counsel, plans are frustrated, but with many counselors they succeed. By seeking the counsel and wisdom of others, we radically expand our knowledge and ability to make wise financial decisions.
3.) Honor God with Your Tithes
Are you a tither? Wealthy and successful people are found to give ten percent or more of their income to charity. Those that honor God with their tithe (10 percent of their income), have the right to stand on the promise in Malachi 3:10 that says, “Bring all the tithes into the storehouse… and prove me now, saith the Lord, if I will not open you the windows of heaven, and pour out a blessing, that there shall not be room enough to receive it.”
“Tithing seems to put a person in touch with some mysterious force that attracts money.”
— Norman Vincent Peale
4.) Be a Generous Giver
Do you exhibit generosity; the quality that receives more than it gives? Giving has been compared to waving a magic wand that manifests prosperity.
There is a well known proverb that tells us that those who give generously to others will gain back even more than they give. (Proverbs 11:24-25) Sound impossible? Just try it and see!
5.) Learn to Save
Have you developed the habit of saving? The discipline of consistently saving even small amounts, regularly over time, is a practice that leads to financial success. The savings habit, combined with growing knowledge to make wise investments, will shortcut your path to wealth.
6.) Stay Out of Bad Debt
Do you recognize that debt is a problem? The borrower is slave to the lender. (Proverbs 22:7) The majority of people in debt continue to get deeper in debt. The spirit of ‘keeping up with the Jones’ is a problem. Debt is your enemy.
“Debt is a merciless master. It will do everything it can to destroy you.”
– Napoleon Hill
7.) Be Thankful
Are you a thankful person? God gave you wisdom and He gave you ability. It is His will that you are blessed to be a blessing. Do you give Him thanks for your job; which provides you monetary gain? Do you give thanks to all that you have been allowed to be steward over?
Being thankful and appreciative for the little creates an atmosphere for future growth.
So there you have it: Why not use these seven proven shortcuts on your path to wealth?
May you shortcut your path to wealth and enjoy a life of growing prosperity!
Be blessed to be a blessing –
P.S. Any additional shortcuts that have helped (are helping) you? Feel free to share…
Dave Ramsey Town Hall for Hope Meeting
This post is a bit delayed, since the Dave Ramsey Town Hall for Hope meeting was on Thursday 4/23. I wanted to blog sooner but I had surgery the next day on Friday and have been recovering…
Now that I am back on my feet and playing catch-up, I want to help pass on this much needed message of hope. Our church hosted the Town Hall for Hope telecast and it was encouraging. With so much doom & gloom everywhere you turn regarding the current economic condition, a spirit lifting message of hope was gladly received.
Dave has a real back-to-basics, common sense approach to not only financial affairs, but life in general. He presents it with a positive and humorous outlook and includes clear steps of action. It is always great to leave a meeting “feeling” better, but if you don’t also leave knowing what action to take, the feelings will fade and nothing in your life will change!
There was a lot presented that night and some others have put together great summaries and reviews. Just do a quick search online. You’ll also want to check out the Town Hall for Hope website at www.townhallforhope.com that has additional resources. I’m assuming a video replay will be available soon.
I do want to make note of the action steps Dave left us with though…
3 Steps for those Struggling with Hope:
1. Get Up & Take Action! – Don’t rely on anyone else or the government to fix your problems. Take control and take personal responsibility of your future in all areas and start with yourself and get your own house in order.
2. Don’t Take Part in Loser Talk!!! – Stop listening to all the negative loser talk from people that are going to suck the life out of you and keep you in fear. Get around people that are positive and going to encourage each other and at the same time hold you accountable. Speak hope. (Dave cracked me up when He said “The average millionaire can’t tell you who got thrown off the island last”. :0))
3. Start Giving! – Giving takes the focus off yourself and this does wonders for your hope. Giving of your time or money helps change your mindset for the better. America is #1 in giving, but we can do even better.
There is a family at our church that shared how they were $60k in debt and within a few years after going through Dave Ramsey’s course, they recently became debt free!
It always helps me to hear of others that overcome. I stepped out into full-time self-employment a year ago and also started taking some online classes. So with the added expense of classes, mixed with cost of starting a business and temporary drop of income…on top of already being a single parent of two teenagers, lets just say my personal financial situation is not where I want it to be.
I’ve never stopped giving of my time and money though. Never stopped tithing and putting God first. I truly believe my situation is changing for the better everyday. :0)
My favorite verse is Hebrews 10:23 from the NLT:
“Without wavering, let us hold tightly to the hope we say we have, for God can be trusted to keep His promise.”
Here’s to the growing prosperity in your life as you keep your hope in God!
P.S. I’d love to hear your comments on this meeting or if you’ve used any of the Dave Ramsey materials.
You can also find new and used deals on the majority of his products from The Total Money Makeover to Financial Peace University, books, software and DVDs at Dave Ramsey Resources