Monthly Archives: December 2014

MARRIAGE, BUSINESS, FAITH & MONEY

THEY ALL MUST GO TOGETHER?

Lets get to it.

There’s no cookie cutter checklist on how to maintain a healthy balance in each of these areas. (Marriage, Business, Faith & Monday.)

But should we strive to grow in each of those areas?  I hope.

I am convicted occasionally of being out of balance in one area more then the other three.  But if we don’t have a boundary or a desire to grow in each area, how will we?

Your will to stay keep up your boundaries is only as strong as your resolve.

At times we will have weeks/months where we have a big project at work and we’ll be allocating more time towards work.  Even when those times come, strive to spend time in the other areas.

If you are enjoying the heck out of your marriage, AWESOME but you’re not spending the amount of time you need to stay in business or meet a sales goal, then you will be jobless.

I challenge you to strive for excellence through being intentional with your time in each area.  Your marriage, business, faith & money.

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A BIGGER SPLIT UP THEN PAYPAL AND eBay?

There’s so many ways to speculate the need for PayPal to spin off from eBay.

Was the spin off influenced by the recent IPO of Alibaba that measured Alibaba’s market value at $231 Billion? (Yes, with a B)

Was the spin off influenced in hopes to sale one of the two entities in the future?

But as much attention that Carl Icahn brought to the story by wanting the company to separate, imagine if that was the attention you received by splitting up with your household or business budget?

Since you (you and your spouse if you’re married) are the CEO of your household, would you fire you if you were/are a business owner and your CFO handled the corporate budget the way you handle the household finances?

When was the last time you and your partner discussed the month ahead?

Discussed what you wanted to allocate funds for this month, quarter, year, etc?

It’s a new month (Love October!) and no better time then now to sit down with your partner and compromise a plan.

If you need a super-duper awesomeness spreadsheet (aka Financial Snapshot) that I have, just let me know.

Regardless of your net worth I encourage you to live intentional.  Strengthen those characteristics that will be passed on to your kids or grand kids.

Steward the resources you’ve been blessed with.  If you can’t be faithful with the small stuff why would you be trusted with greater stuff?

It’s not just about building wealth.  It’s also about applying the resources you’ve been blessed with to what you feel lead or called to do.

If you’re not striving to fulfill a vision or a goal then what is it that you are living for?

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7 OUT OF 10

3 OUT OF 10 HOUSEHOLDS ON YOUR BLOCK SAVE MONTHLY

Unfortunately 7 out of 10 live paycheck to paycheck.

When we think about this case, primarily we think about how this household needs to save to build wealth.  And yes that’s an important characteristic.

But the characteristic that is not being worked out that is most alarming is the characteristic of self-control.

Self-control will always demand our attention.  In all areas of our lives.

But in our household finances or business finances if we lack self-control we are jeopardizing our self as well as our family and/or our businesses.

And for the business owners, the more self-control you have with your household finances you will gain margin in your household.  Which gives you the freedom to lower your overhead rate on your corporate budget in hopes to win more work.

When living paycheck to paycheck it’s not only the wealth you’re missing out on.  Your missing out on strengthening the characteristics to better steward the income we are blessed to have in hopes to use that wealth for a mission God has for your household.

For those of you that don’t live paycheck to paycheck, thank you.  Thank you for making the needed sacrifices.  Thank you for stewarding your time and treasures.

Continue to behave well with your income.

So you can give more, save more, live more.

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EVERYBODY WANTS IT, FEW HAVE IT: MARGIN

Reality is, most everything I know about time management I know from not having enough.

And learning from mistakes I’ve made mismanaging time and that precious resource called time.

One thing I’ve learned is the only way to have margin in our time is to create it.

The same applies if we want margin in our finances.

Our boundaries we create through a tool called a calendar (Or however you record your “to-do’s) are only as strong as our resolve to accomplish what we scheduled to do.  Let me say it again, the boundaries we create are only as strong as our resolve to accomplish what we scheduled to do!

How strong is your resolve?  How much do your priorities matter?

Make space in your calendar to breathe.

Margin isn’t a matter of luck, it’s a matter of self-discipline.

Carve out time for your priorities.  If it’s working long hours to provide, keep up the good race!  But please carve out time for a water break.

Carve out time for your faith.

Carve out time for your family.

Carve out time for your mission.

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DREAMS WITHOUT GOALS ARE JUST DREAMS!

We all have a gift!  Now use it!

It’s not how much we have it’s what you do with what you have.

Watch Denzel Washington speak from the heart to young actors and challenge yourself to use what He has blessed you with!

Use it.

That’s what counts.

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REMEMBER WHEN ESPN WAS JUST HIGHLIGHTS?

I’m confident we can all agree times are changing?  And that can be a great thing!

Somewhere on our timeline we have been in a rough situation and you need a few months or few years to dig out of the hole.  Whether it’s to progress financially, physically, relationally or spiritually.  Changing times can be good or bad.

It’s up to you how you want your attitude to be during today’s “changing times” when ALL you see on ESPN lately is a lot of sports icons being investigated for doing bad stuff, while the NFL is modifying their drug policy.

As a huge sports fan and as a huge fan of fellowship, food, friends, family, football and fun (lots of F words), it’s very easy this awesome time of year to sail the ship off course on a Saturday or Sunday or heck Monday night football or even Thursday night games.

If one way your family gets together is over tailgating and football that’s awesome!  Not saying we should never watch football again.  Just use moderation and don’t let it get in your way.

And some of you sports isn’t your area where you could be tempted to allocate a lot of your time.

Your temptations that could possibly distract you from achieving what you sailed out to do could be something fun like reading.  Obviously reading is good.  Just use moderation and don’t let it get in your way.

Steward your time.  While enjoying life.

Prosper over time.

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PREPARED FOR $100MILL?

What would you do with $100 million?

I know lots of money.  But check out here what the highest paid ever NFL defensive player did.

Do you ever stop and ask yourself, “Am I or my kids prepared to receive a lot of wealth?”

Sure wealth can be more then just money. But regarding money, is your heart and mind grounded enough once you receive a large amount of wealth?

How are you and your household communicating and managing the wealth and the income you have now?

Most of you have been working on a project or projects for a loooooong time. And in the past you wasted a lot of the fruits from that labor.

But see that’s what’s awesome about grace.

You have an opportunity to better steward this new harvest of blessings coming your way.

See when we continue to apply our labor and our skills that we’ve been blessed with inside the marketplace; then we are given opportunities every day to primarily glorify Him and also to prosper!

(The plans of the diligent lead to profit as surely as haste leads to poverty. Proverbs 21:5)

Whether it’s a new contract you have been awarded or you are working on a proposal now. Continue to challenge yourself and/or your business to best steward your time, money and resources.

Don’t ever feel like you have it figured out. Surround yourself around others who will keep you accountable.

I’m not sure how God works. But I wonder if He looks down and is waiting for us to better steward our current situation before He blesses our labor with more fruit?

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Why even give?

Why even give?

Some months are harder then others.

And that’s when the growing begins.

Those that enjoy giving love to add value to others. For you to want to carve out time and give your time to help a friend move is adding value to your friends situation.

When giving your time or talents with a good attitude you are serving and also able to benefit or add value to someone else.

When giving your money to a mission you believe in and a mission that is behaving well with money, you are adding value to their resources.

Adding value is like adding good seed to good soil. But first to give or plant on a regular basis one must be intentional.

And when one is being intentional and gaining margin to give you are also gaining margin in other areas like saving and living.

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KIDS, GRANDKIDS AND MONEY.

When you think of the word spoiled nothing good comes to mind? Especially when it has to do with your food or your family.

If you’re in a position where you can encourage and influence kids then it’s important that you train them up to behave with money.

No don’t train up a bunch of little hitlers running around talking about money all day. Instead include practices on your kid, grandkid or loved one so they can better behave with money. And the inheritance that one day you hope to pass on.

Remember we have a FREE lunch break webinar that starts at 12:00 Central time EVERY Friday! And hear more about practices and concepts you can implement depending on the age of your son, daughter, grandchild, etc.

Give more, Save more, Live more.

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A YEAR’S WAGES AND PERFUME

A year’s worth of wages in perfume. I know, try to process that again, A YEAR’S WORTH OF WAGES IN PERFUME!

But why would someone have that much value tied up in perfume? Why wouldn’t this perfume sold and the money given to the poor? That’s the same question Judas asked.

Who’s Judas? One of the 12 dudes who Jesus called disciples.

When Mary poured out a year’s worth of wages in perfume on Jesus I can understand why Judas would question this behavior. That’s a lot of money in perfume.

But Judas didn’t ask this because he was concerned with serving the poor. Judas was the keeper of the money bag and see Judas also was a thief and would help himself to what was put into the money bag. (John 12:6)

As always Jesus knew what he was up to and said, “Leave her alone. It was intended that she should save this perfume for the day of my burial. YOU WILL ALWAYS HAVE THE POOR AMONG YOU, BUT YOU WILL NOT ALWAYS HAVE ME.”

Not surprising that those behaviors and characteristics Judas had would lead to Judas selling his Master’s life aka big man upstairs aka Jesus for 30 pieces of silver. Sold out for 30 pieces of silver.

Jesus’ response doesn’t teach us to ignore the poor so we can spend money extravagantly. Unfortunately we will always have a culture that has a poor mindset.

But instead to glorify Him in all of our purchases both large and small. Be creative. Enjoy rejoicing.

And maybe think twice before your thoughts begin to be used to speculate on someone’s spending behaviors. If you knew how much they gave you may be speechless.

Give, save, live.

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