Its Time To Act

Its time to act I recently read a blog from Kevin Miller titled You'll get what you expect.  Everything I read I try to understand what they are saying and see how can I apply it to my life.  I often hope for these things but dont necessarily expect them. When we do this we usually take no action and get what we expect, nothing.  Lets apply this to our finances.  We live in the most prosperous country in history.  God has richly blessed us with His material possessions and we do not manage them the best that we could.  As in the blog from Kevin Miller   we get pretty much what we expect. We expect to have a lot of things because we see others around us have a lot of things.  Therefore we manage our finances in a way that gets us a lot of things but leaves us running on the edge with our money.  My pastor, Brian Fields told us in a sermon that 1/3 of the people that made at least six figures, said they could agree with the statement, I make enough to meet my needs.  If you dont make six figures you may be thinking that's impossible you can have anything you want with that kind of money!  We do it everyday with what ever amount of money we make.  If you dont have a plan for your money the credit card companies do and that is why we run short meeting our needs.  The average income for a family in America is 40,000.00 per year.  Over a 30 year working span that is 1.2 million going through your hands. Tell it where to go before you get it each pay check.  By the way if you make 100,000.00 that would be 3 million you would get.  Notice neither one of these figures got a raise over the 30 years!  So how do we act to get what we expect?  Determine why you want to get your finances in order and then learn what to do. You must expect to reach your goals because that will determine what you do.  If you expect you cannot get out of debt and save money, guess what you will stay in debt buying stuff to make you "happy" and not  be able to save.  You have to make it a point to spend less than you make and pay yourself, or save.  So in short act like you should to get the expectations you want. Create a budget, start saving, pay off your debt, and live on less than what you make.  We must do these things over our life time. You cannot do them for a few months and go back to your old way. You must make a decision to do it and stay with the plan.  Let me know if I can help you. Go to my resources page and down load a free budget to get you started. Something to think on this week: Money is the lowest form of prosperity.  We must learn to turn money into wealth. Wade Trimmer Good Quotes:   "Life is like a ten-speed bicycle....Most of us have gears that we never use."  Charlie Brown in Peanuts   "Whether you think you can or think you can't, you're right." - Henry Ford   "Growth demands a temporary surrender of security."  -- Gail Sheehy - Passages Religion gives you advice on how to make amends with God.  The gospel is news that God has done something to make us right with Him.  Kenny Thacker

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2013- The New Year

 2013 – The New Year

    I hope everyone had a wonderful Christmas this year.  It is hard to believe that we are at the end of 2012.  There is a lot of wonder and anxiety going into 2013.  We have the fiscal cliff we are facing, struggling economy, the tragedy in Connecticut and basically a divided country.  I wished I could say that I could solve those problems overnight, but no one can and a quick fix usually sets us up for a future failure.  I believe the best way for us to see changes in life that we want is to work on our own life.   I cannot fix the national economy today, but I can make a lot of progress on my personal economy.    I read a blog by Kevin Miller yesterday that was good about pleasure necessity and significance.   I thought this would be a great time to invest more time in the significant things in my life.   We start out this year on fire to change our lives and then we fail to plan , and we wind up in the 92% that do not accomplish their resolutions.  Are resolutions simple? No. Are they easy? No. Is it hard work? Yes.  Is it worth it?  It is to me when I meet a goal.  Well you may ask how can I do it? Attempt to change, and stick to it is the best start.   Feel free to download a goal worksheet from my website (toward bottom of page) and go through it and make plans in the seven different areas that make up your life. Make the goals attainable, but challenging.  You may be like me; you can make the goals and forget to check the sheet monthly to see if you are hitting the marks to attain your goal.  It’s hardly a waste of time when you check your goals because you are changing your life.  Remember to set goals that are possible, such as, if you make 50k a year but you want to make more don’t make the goal 250000!  Remember by the inch it’s a cinch by the yard it’s hard.  Take baby steps to get there.  Speaking of baby steps I am hosting a Dave Ramsey’s financial peace university starting Jan 13^th.  Click here for more information.  If you just hope that your life changes and take no action you will be facing 2014 saying nothing is different from last year. If you quit trying to reach your goals you will fail also and be discourged.    Be Blessed this 2013 and when you change yourself remember you are changing the world!!

Let me know if I can help!

Tim West

Go West Coaching