So Let It Be Written, So Let It Be Done

I hope you had a wonderful Christmas celebration with your loved ones. As you prepare for 2012, I wanted to leave you with some encouragement.

This is the time of the year when most of us will sit down and make some resolutions for the new year. But many times, the problem is not making the resolution, the problem is in keeping the resolution throughout the year.

One of the best ways to help with keeping with your resolutions is to write them down so you can check on them throughout the year. I suggest you take a checkpoint every three months to see if you are on track and to make any adjustments required. Below are my suggestions for your 2012 Financial Wellness resolutions.

So in the famous words of Yul Brynner in the Ten Commandments: “So let it be written, so let it be done.” Let 2012 be the year when:

Don’t leave any of these steps to chance. Wishful thinking won’t help you get control of your finances. Thinking something is a good idea won’t make you act on it. You have to decide to change and there is no better time than today.

Have a Happy New Year!

“The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”
Proverbs 21:5 (NASB)

Got Hope?

Can you believe we have less than 15 days left in 2011? For me the year has really gone by fast. At this time last year, we were in the midst of our move from the Austin area to DFW and it is hard to believe we have been in our home almost a year now. Looking back, it was an exciting time, a very busy time, and at times a stressful time but in the end, we know we made the right decision in moving. We are looking forward to many great years here in DFW.

When you look back on 2011, what do you see? Will you remember it as a year of opportunity lost or as one of great achievement? What is your financial situation when you look forward to 2012? Are you confident of your plan and at peace? If so, congratulations! But if you are looking at 2012 as another year where there will be struggle, anxiety, and hopelessness, I have good news for you. There is help and hope available for you.

Our mission is to provide biblically-based financial counseling/coaching services, bringing help and hope to your particular situation. We can provide you with specific recommendations to help get your financial plan on track:

  • Show you how to prepare and live on a monthly cash flow plan (a budget).
  • Coach you on an approach to systematically eliminate your consumer debt.
  • Guide you to establishing and achieving goals for saving money for emergencies, retirement, and college expenses.

We will:

  • Help you understand your current financial situation.
  • Offer information and education built on biblical principles for managing finances.
  • Provide excellent services with the utmost confidentiality.

Contact me today for no-cost, no-obligation 30 minute initial consultation. We can discuss your current situation and goals and discuss options for establishing a financial counseling/coaching plan tailored to your needs. Make 2012 the year where you get your finances on track. There is help and hope for your finances.

“Without consultation, plans are frustrated, But with many counselors they succeed.”
Proverbs 15:22 (NASB)

The Christmas Giveaway

After last week’s post on the joy of giving, I figured it was time for me to practice what I preach. So this week I am introducing our first annual Christmas Giveaway. It is easy to enter and no purchase is necessary!

Between now and Friday December 16, take one of the following actions to enter your name in our drawing:

  • Like” our Facebook page at: . Leave us a message with your name and e-mail so we can enter you in the drawing.
  • Leave a comment here with your name and e-mail address.
  • Contact us to make an appointment for a 30 minute no-cost, no-obligation initial consultation to discuss how we can help you with our financial counseling/coaching services.

Oh, what can you win you ask? There are 3 prizes:

  1. First Place: A copy of the “Total Money Makeover” book by Dave Ramsey.
  2. CD Copy of my favorite FPU Lesson: “The Great Misunderstanding: Unleashing the Power of Generous Giving”
  3. A copy of “God’s Wisdom for your Every Need” Daily Bible Reading.

So enter today and tell your friends. We will announce the winner on December 17. Merry Christmas!!!

The Joy of Giving

The Joy of Giving What is your favorite part of Christmas? Is it the great music? Putting up the tree and the rest of the Christmas decorations? Perhaps you really enjoy a great Christmas concert or play.

Or maybe you are more excited about all the parties or about getting together with family and friends. And what about that favorite dish that you only get during the holiday season?

But I think if we are honest, we all look forward to the gift exchanges that happen during this time of the year. I remember as a child I could not wait for Christmas morning to see what was under the tree for me. When I was 12 years old, I really wanted a new 10-speed bike.

My parents had told me they did not think it would be possible and I was resigned to that fact. However, much to my great surprise and delight, on Christmas morning there was this beautiful red bike waiting for me. It is still one of my favorite memories from Christmas.

The exchanging of gifts is a wonderful tradition and I enjoy it greatly, although the focus over the years has changed. Even though I enjoy receiving gifts, I really enjoy giving gifts more. I love to see the expression on the face of the recipient especially if I managed to really surprise them (in a pleasant way) with the gift.

I have nieces and nephews that are between 3 and 10 years old, and one of the highlights is always seeing their reaction to what they receive Christmas morning. Experiencing their joy is truly special to me.

It is quite possible that after all of these years, I am finally beginning to understand what Jesus said: “It is more blessed to give than to receive” (Acts 20:35). When I think about the reasons for that great truth, here is what comes to my mind:

  • When we give, we are thinking about someone else rather than ourselves.
  • When we give, we are sharing from what we have instead of adding to what we already possess.
  • When we give, we become imitators of God, who is the Great Gift Giver.

So let me encourage you to make giving a priority in your monthly budget. Even if things are tight, you can always give something. And if you are in great financial shape, think not only of gifts for friends and family, but also consider charitable donations.

This time of the year the needs are great and so is the opportunity to help. There are many worthy non-profit organizations helping those in need here and across the world. If you can, get involved today. Trust me, the joy of giving will make this season even more special for you.

1 Now, brethren, we wish to make known to you the grace of God which has been given in the churches of Macedonia,
2 that in a great ordeal of affliction their abundance of joy and their deep poverty overflowed in the wealth of their liberality.
3 For I testify that according to their ability, and beyond their ability, they gave of their own accord,
4 begging us with much urging for the favor of participation in the support of the saints,
5 and this, not as we had expected, but they first gave themselves to the Lord and to us by the will of God.
2 Corinthians 8:1-5 (NASB)