Your spending plan is a process, and it will have to be reworked often. Budget-killing times of emergency will come along. When this happens (not if), your spending plan must be reworked until you can live within your plan. After completing the spending plan, worksheets identify the budget items that are out of control or [...]
People who have a problem with over-spending usually go through denial. “I know that I’m not spending that much” is a familiar refrain. In my experience, only a few people with debt problems have been using a spending plan. They may have had one, but they have not been using it. A spending plan facilitates [...]
Part of my job as an financial professional has been saving clients from some of their worst impulses, over-spending. I often encounter people who are withering financially, often a very frustrating situation. Our society often demands that we seek instant gratification. So the affluent along with the poor all seem to have problems with over-spending. [...]
The Successful Life Manager will always take a proactive role in planning his or her life. The planning process will combine reflection, core-values, life changing events and goal-setting in a formalized and structured process to arrive at a plan to achieve your specific goals. We must realize that we are not in complete control of [...]
The reason each Christian should have a Successful life plan is to keep an eternal focus. Your Successful life plan™ will help you make faith-based financial decisions and an eternal impact. Proverbs 19:21 says, “Many are the plans in a man’s heart, but it is the Lord’s purpose that prevails.” God’s purpose is the key [...]
Your Successful life Plan™ will make your income, investments, and insurance work in harmony so you can achieve your life goals and God-given mission. Ephesians 4:14 tells us, “Henceforth be no more children, tossed to and fro, and carried about with every wind of doctrine, by the sleight of men, and cunning craftiness, whereby they [...]
The new buzz word in the financial planning community is life-planning. As the financial planning profession matures, an emphasis is now starting to shift from traditional financial planning to a focus on life itself. With the birth of life planning, a new profession has also evolved and its focus is life coaching. Both the coaching [...]
In the preparation of selecting specific investments for your portfolios, it is advisable to seek the help of a professional. Your choice of an investment professional is critical. Ask yourself the following question: Is my financial professional qualified? Before hiring a financial professional, you should first establish that the financial professional is a Christian, and [...]
Investing is a tool that each of us should use to accomplish financial objectives. We can accumulate wealth by spending less than we earn and invest the difference over a long time period. We preserve wealth by following the Biblical principles of diversification, professional advice, and by having a long time horizon. Investment speculation should [...]
The ultimate investment is investing in eternity. Jesus tells us in Matthew 6:20 “But lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal.” I have had a few Christian ask me “Is investing the same as gambling?” The answer is no. [...]
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