Monthly Archives: June 2014

July is coming

June was a hot month.  Not just temperature but Shannon and I closed on a house, put on a new roof and dealing with my mother and sister receiving 4 weeks of treatmant in Orlando for lyme’s disease.  Oh and Shannon’s doctor wants us to go see a specialist in Pensacola in week 18 of her pregnancy.  (Whenever you are advised to see the specialist the anticipation never goes smooth.)  Why am I sharing this?  Because we are going through a rainstorm and when rainstorms come that means the harvest of the seeds you have planted are around the corner.  Your June may have had a death in the family or your June may have been the greatest month of your life.  Regardless if you’re in a rainstorm or it’s a clear sky, we have to wake up daily and be thankful.  Rainstorms will continue to come.  Expect them.  Not only is our character being built during the storms but our character is being revealed.  Before your feet hit the ground in the morning find 5 things to be thankful for.  Start your thoughts for the days in thankfullness before you start rocking and rolling during the day.  Enjoy the storm.  Stay thankful.

July is coming.  Fireworks with Lee Greenwood, cookouts, summer camps and roadtrips.  Enjoy the 30 minutes to an hour talking with your partner about what is going on in July.  The communication brings peace but also being intentional with the additional spending gives you the boundaries that you need.  I know I know, you and your partner may be doing just fine with money and your financial plan has ran smooth for years.  But stop to ask your partner what they want to do in July and for the future.  Dream together.

Get a clear plan.  If you or your kids or grandkids could use a plan click on the link to get started.

By having a plan it helps when you go through the rainstorms.  It also gives you the opportunity to be intentional in your giving, saving and living.

Live intentional,


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Summer: A great opportunity for kids to work

Most of us either have kids, grandkids or will have kids someday. And one of many great inheritances you can pass down is the characteristics on how to behave with money. It’s not about building wealth. It’s about creating margin through giving, saving and living.  Mark Cuban puts it like this, “Cut up your credit cards. If you use a credit card, you don’t want to be rich. The first step to getting rich, requires discipline. If you really want to be rich, you need to find the discipline, can you?”  King Solomon put it like this, “The plans of the diligent lead to profit as surely as haste leads to poverty.”  Proverbs 21:5.  If you are reading this thinking there’s much more to life then to be rich; you are absolutely correct.  But rich can mean so much more then growing your dollars.  But you are able to give and bless others (using money) a lot more when you are rich.  One example of being rich can be being debt free with $20k in the bank.  Don’t compare your situation to others.  Enjoy being rich.  Enjoy blessing others.

I don’t think Mark is saying you can’t be rich and use credit cards. We all know someone who is wealthy and uses credit cards. What I believe Mark is leading to is if you are rich/wealthy, create the discipline that it takes to not use credit cards. That is the CHARACTERISTIC that is being strengthened in your life and the life of the kids or grandkids that are observing you through your actions and conversation. More is caught then taught.

Lets encourage our kids, grandkids, nieces and nephews to create an income. Lemonade stand, washing cars in the neighborhood, cutting yards, blowing leaves, walking dogs (yes, people will pay to have their dogs walked). You get the point. Now that they are creating an income we can create the teachable moments. If they are real young (elementary age) get 2 washed out peanut butter containers. Remember as a kid how awesome it was to see crumpled up dollar bills in your piggy bank?!?! Create this experience for them. As it grows, they will actually see the progress! Label one as “giving,” one as “saving.” When they receive their pay, have him/her put a portion in each container (you come up with what’s best for your household.) So when your child or grandchild wants to buy that next video game or doll, begin the exercise of saving up in the ole’ peanut butter container until they have enough. And remember along the way they are funding giving to. These creates a characteristic of one who will enjoy giving but has prepared the funds for giving.

Now don’t get to legalistic. Obviously there will be times you will buy your child somethings because it’s your child. Baseball cleats, clothes, etc. But find the opportunity for the child to save up for “that special purchase.”

The same principles apply for an older child or grandchild but you may want to use envelopes instead of a clear plastic jar. Encourage them to create an income or maintain an income while doing weekly taskings around the house. But the older kids or grandkids will have 3 envelopes. Give, save and live. As they are saving for a car they also need to practice on saving for living. Going to the movies, gasoline, eating out with friends.

As your loved ones watch you and hear you discussing your monthly plan, they will be more encouraged to do one each month too. Hopefully this summer 2014 you can create or continue these teachable moments to strengthen the characteristics to steward the money God has blessed us with. Yes we work and work hard for it. But without Him creating us, blessing us and loving us, we would be nothing.

Live intentional.

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