Change Your Point of Reference


Keeping up with the Joneses will only make you poorer, and frustrated. Instead of trying to impress friends, neighbors, or people you don’t even know, change your crowd!

Volunteer for a homeless shelter, food bank, or a humanitarian cause. It may change your thinking from keeping up with the Joneses, to gratitude for what you do have.

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Slow and Steady:


I was listening to Market Place Money on the radio, and here’s the tried and true still being advised: Start investing, or re-entering the market with a small amount of cash. In some cases, this could be as little as $50.00-$100.00. In other cases, you might be required to have a minimum of several hundred, on up. In addition to starting with a small amount of money, start with a small number of stocks, or funds. Diversify. Diversify. Diversify. And before you invest, pay down your debt. As always, if you have a financial advisor, talk with them before making any big investments.

How To Start A Budget When You Don’t Know How:


Have goals. Write them down. Have a daily “To Do” list. Rank 1-6, not 1-50. If every thing is a priority, nothing’s a priority. You’ll feel the success. Budget (money, time, energy.) Have boundaries with money, people, and negative thoughts. Bring your goals alive. If it’s money you want, why do you want it? What will you do with it? What does the end result look like? What does it feel like? Describe the experience to yourself versus just having a number in your head. Unrealistic expectations create stress. Setting your goals high is great, but plan to put some skin in the game. Daily, make a “God’s ‘To-Do’ List.” God clears the path and guides us to the right people, places, events and things. Our job is to grasp the opportunities, and follow through.

Where Does It All Go?


Three things that get in the way of wealth: Taxes ~ Inflation ~ Debt.

Most debt is voluntary. It’s emotionally based. Look at your clothing, tattoos, car, or your watch. . . Why did you buy them? You LIKED them.

Budgeting isn’t punishment. It’s an opportunity to make conscious choices. It’s not saying you can’t have something. It’s a reminder of your priorities. Is eating out every week really enjoyable for you? Or is it habit?

One of college football’s most successful coaches, Lou Holtz, would ask his players,      “W-I- N ?” (What’s Important Now?) – For them it may have been getting to class, studying, going home and to bed instead of trolling the streets for action. For someone saying they want to Welcome Wealth, maybe it’s having an accountability partner. Maybe it’s setting or keeping boundaries with people, money and time.

W-I-N ?