We have made many dumb decisions over the years, but with the help of family along the way and financial common-sense taught in settings like Financial Peace University, we dug ourselves out of the mess, and now we can have a fresh start, doing it all the RIGHT way.
It is a wonderful feeling to not be in debt: no car payments, no business debt, no college debt, no credit card payments. It is amazing how much stress we don’t even realize we are putting on our bodies, when we are under the weight of debt.
It’s the same with all areas of our lives. Do you have dreams, goals, a mission in life?
God wants us to be successful. Follow His guidance. Seek His direction. Write out goals and a mission statement to help you be more productive where God wants you to be, so you can bring glory to Him.
To be more successful at reaching our goals, Dave Ramsey gives us some goal-setting techniques: set a time limit, make it specific, take ownership, make it measurable, put it in writing. He also guides us in clarifying our dreams and missions.
If finances is an area of focus for you this year, start out with developing an emergency fund. That is an extremely important first step! From there, work on a budget, maybe even learning along the way through a class, like Financial Peace University.
Of course, Dave Ramsey isn’t the only resource out there, even though my husband and I found his M.O. to be the most effective. There are other resources, such as Larry Burkett’s Financial Matters renamed to Crown Ministries, as well as Kerry K. Taylor’s blog Squawkfox, where you can find budgeting tools and the free eBook Frugal Food and Fitness.
If workouts is an area of focus for you this year, try using a workout log, and remember to only do a short amount at a time. (Don’t discourage yourself!) Why not add nutrition to that focus? It does, after all, work together with exercise to bring you fitness.
Now, just add proper rest and a healthy nervous system, and you’ll find yourself heading toward overall wellness!
While the holiday memories are still fresh in your mind, why not make use of the Holiday Expense Tracking Worksheet and be a step ahead for planning next Christmas?
Well, one of the changes I’m making for 2012 is not posting daily. I will be changing my schedule to one or two posts weekly, instead. I truly enjoy sharing my research with Mick’s up Life readers, and I can still supply the same amount of information, while reaching goals in other areas of my life at the same time. Let me know if there are certain days, topics, etc. that you prefer reading.
Now, go set those goals! Happy achieving!
“For I know the plans I have for you,” declares the LORD,
“plans to prosper you and not to harm you, plans to give you hope and a future.”
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