True North Cents ing God s Direction in my Finances. Mary Hunt DebtProofLiving.com
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1 True North Cents ing God s Direction in my Finances Mary Hunt DebtProofLiving.com mary@debtproofliving.com 1
2 God and Money God uses money to strengthen our trust in him. "Do not worry then, saying, 'What will we eat?' or 'What will we drink?' or 'What will we wear for clothing? Your heavenly Father knows that you need all these things. But seek first His kingdom and His righteousness, and all these things will be added to you. Matt 6:
3 God and Money God uses money to develop our trustworthiness. "Therefore if you have not been faithful in the use of unrighteous wealth, who will entrust the true riches to you? Luke 16:11 3
4 God and Money God uses money to prove his love. "Therefore if you have not been faithful in the use of unrighteous wealth, who will entrust the true riches to you? Luke 16:11 4
5 God and Money God uses money to demonstrate his faithfulness You may say to yourself, My power and the strength of my hands have produced this wealth for me. But remember the LORD your God, for it is he who gives you the ability to produce wealth. Deut. 8:
6 God and Money God uses money to cultivate self-control But the fruit of the Spirit is love, joy, peace, patience, kindness, goodness, faithfulness, gentleness and selfcontrol... Gal. 5:
7 God and Money God uses money to provide spiritual direction Trust in the Lord with all your heart and lean not in your own understanding. In all your ways acknowledge him and he will direct your paths. Prov. 3: 5-6 7
8 The Trouble With Debt Debt promotes discontentment 8
9 The Trouble With Debt Debt keeps me stuck in the past 9
10 The Trouble With Debt Debt makes an arrogant presumption on the future 10
11 The Trouble With Debt Debt transfers potential wealth to creditors 11
12 The Trouble With Debt Debt eliminates options 12
13 The Trouble With Debt Debt destroys relationships 13
14 The Trouble With Debt Debt steals your freedom 14
15 The Trouble With Debt Debt promotes discontentment Debt keeps me stuck in the past Debt makes an arrogant presumption on the future Debt transfers potential wealth to creditors Debt eliminates options Debt destroys relationships Debt steals your freedom 15
16 Danger Signs You re Headed for The Debt Trap Living on credit instead of cash Delayingpayment or paying late Unwilling or unable to give or save Unable to pay taxes Drawn to lead an extravagant lifestyle Looking for get-rich quick ideas 16
17 Steps Out of the Debt Trap Make a commitment The wicked borrow and do not pay. Proverbs 37:21 Start paying God and yourself first The purpose of tithing is to teach you always to put God first in your lives. Deut 14:23 Begin tracking: All you spend, owe and own. By wisdom a house is built and through understanding it is established. Proverbs 24:3 17
18 Steps Out of the Debt Trap Go on a spending diet Get rid of every idol... Ezekiel 20:7 Learn to anticipate Good planning and hard work lead to prosperity. Proverbs 21:5 Turn every expense into a regular monthly expense Good planning and hard work lead to prosperity. Proverbs 21:5 18
19 Steps Out of the Debt Trap Liquidate: Sell everything you do not need or know to be beautiful. Create a plan Good planning and hard work lead to prosperity. Proverbs 21:5 No more debt! Be content with what you have Hebrews 13:5 19
20 Steps Out of the Debt Trap Look for the solution What is impossible with men is possible with God. Luke 18:27 Persevere! Let us not get tired of doing what is right, for after a while we will reap a harvest of blessing if we don t get discouraged and give up. Galatians 6:9 20
21 True North Cents ing God s Direction in my Finances Part 2 Mary Hunt 21
22 Debt-Proof Your Attitude I don t choose debt because it presumes unfairly on my future. 22
23 Debt-Proof Your Attitude It is wrong for me to spend money I do not have. 23
24 Debt-Proof Your Attitude There is always a way out; I will not stop until I find it. 24
25 Debt-Proof Your Attitude When I step out in faith, I unleash God s power in my life. 25
26 Debt-Proof Your Attitude I trust even when I do not understand. 26
27 Debt-Proof Your Attitude I do the right thing even when I don t feel like it. 27
28 Debt-Proof Living 28
29 The Formula 29
30 Give The Formula 10% Antidote for greed Connects you to something bigger than yourself Giving says I have enough Promotes contentment 30
31 The Formula 10% Save This is NOT your 401k or other retirement plan Saving money is the antidote for financial fear Money in the bank makes it easier to be frugal 31
32 The Formula Rein in your lifestyle and spending so it fits within 80% of your net income 80% Live! You ll never be broke, greedy or fearful How? Cut a little from every area of your spending Embrace frugality 32
33 Spending Plan 33
34 Spending Plan 80% groceries mortgage/rent electricity gas water gasoline gifts school tuition phone service cell phones Christmas furniture gasoline insurance shoes clothes dance class soccer baseball college ipods/gadgets eyeglasses haircuts manicures car payments car repairs auto registrations summer camp restaurant meals dry cleaning bank fees Costco vacation kids computers Internet service cable TV pet food pet health pets entertainment gym fees household repairs stuff for house stuff for garage general stuff more stuff 34
35 Spending Plan First you need to track your spending to create a Spending Record A Spending Plan is a way that you pre-spend your money on paper. Then it becomes your roadmap to follow through the month. Step 1: Create Spending Record Step 2: Categorize Step 3: Total each category Step 4: Be shocked Step 5: Determine changes you need to make Step 6: Do it again so you can compare Goal: To make every expense in your life as predictable as your mortgage and car payment even the ones that are unknown. 35
36 Cool Tools & Software Home Budget Calculator. Bankrate.com dget-calculator.aspx Mint. Cost: Free. Mint.com Wesabe. Part financial software, part social networking community, Cost: Free. Wesabe.com Clear Checkbook. Cost: Free for the standard version or $4 per month for Premium. ClearCheckbook.com Pear Budget. Cost: $3 per month. PearBudget.com Mvelopes Personal $8 a mo. 36
37 Contingency Fund 37
38 Contingency Fund 10% Save Pool of money that is safe and available Enough to pay all your bills for six months without a paycheck Eliminates financial fears Earns interest Big financial events of life Quiets insatiable desires 38
39 Contingency Fund Your CF trumps everything prepaying debt, paying down mortgage, or even paying your current expenses. If you simply cannot do 10% start SOMEWHERE. Check online savings accounts like INGDirect.com, HSBCDirect.com or others. Inconvenient enough to be safe from you, convenient enough to create this new habit. 39
40 Rapid Debt-Repayment Plan 40
41 Rapid Debt-Repayment Plan Rule 1. No more new debt Rule 2. Fix your payments Rule 3. Arrange by pay-off time Rule 4. As one debt is paid, take its payment and redirect it to the regular payment of the next debt in line 41
42 Rapid Debt-Repayment Plan 42
43 Freedom Account 43
44 Freedom Account Remember something called a Christmas Club Account? Step 1: Determine your irregular, unexpected and intermittent expenses Step 2: Open a second checking account Step 3: Authorize an automatic deposit Step 4: Get a notebook Step 5: Take 5 minutes a month to manage it 44
45 Freedom Account 45
46 Freedom Account 46
47 Debt-Proof Living Managing your resources by choice, not by chance! 47
48 Debt-Proof Your Marriage Stage 1: Magnetic Attraction Stage 2: Reality s Rude Awakening Stage 3: I Love You, Now Change! Stage 4: Surrender and Acceptance Stage 5: Peace, Harmony, Romantic Love 48
49 Debt-Proof Your Kids! How to ruin your kids: Allow 1. Financial ignorance plus 2. Ugly attitudes of entitlement to be exposed to 3. Availability of credit. Produces financially irresponsible adults 49
50 Debt-Proof Your Kids! How to raise tomorrow s financially responsible adults: 1. Make financial education a part of everyday life 2. Allow kids to make their own a independent financial decisions starting at a young age 3. Nip UAofE starting right now. 50
51 Get Support You need to know every day that you are not alone. There are thousands of people on the same journey to financial freedom! Read Debt-Proof Living Books Join Debt-Proof Living Online Sign up to get Everyday Cheapskate Blog with me: 51
52 Debt-Proof Living Newsletter 52
53 Money in the bank changes everything! 53
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