Month End: March Snapshot

At month end, I’m so thankful for what God has done. Honestly, it’s nothing that I could do on my own, and I haven’t been able to do what’s happening now in all my years of fighting debt. Including what you see in the snapshot, a term loan, and a credit card balance have been paid to zero. I had to sell an asset to pay off the term loan, but the peace of mind is worth it. Also, we received back our Alabama tax refund, and I’ve been able to increase my savings at an amazing rate. All these miraculous changes are because of my willingness to be open and honest with the one I love the most. It’s freed up something that I was meant to have for a long time. This situation applies to my life, and your situation is different than mine. But I encourage you to not do life alone, and if you need help seek help. Nonetheless have a vision, and a plan to be debt free. Build a space in your life for what it will look like. You weren’t born into this life with credit card and or student loan debt. Somewhere at some point, you may have made a choice to enter debt. But the truth is you can, and you are meant to be FREE. Ask yourself, if the Borrower is slave to the Lender then how can I be both at the same time? Build a budget to know how much you have at the end of the month, and when do your debts have to be paid. Ask yourself can I find a way to make an extra $100 to $200 a month?

Your journey to a debt free me truly begins when you can be honest with your self both financially and internally.

If you want to learn more about how I’m increasing my income while reducing debt, or if you want to have someone to discuss your debt reduction strategy with, or if you need a financial check-up, contact me.

Also, learn more about how I use the self-lending principle through Mustard Seed in the mustard seed section.

“The LORD will send rain at the proper time from his rich treasury in the heavens and will bless all the work you do. You will lend to many nations, but you will never need to borrow from them.”
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Deuteronomy 28:12 NLT‬‬
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http://bible.com/116/deu.28.12.nlt‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

I believe in your journey to….

A Debt Free Me

Here’s this month’s video: Motivation To Get Up Early- BE UNCOMMON – Motivational Video from the Mulligan Brothers YouTube channel.


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March 24, 2018

Items in italics are direct quotes from the articles below

https://www.entrepreneur.com/slideshow/308941

One of the most famous basketball players of all time, Michael Jordan, is recognized for his achievements both on and off the court. As an athlete, Jordan — also known as “Air Jordan” thanks to his slam dunking capabilities — played on both the Chicago Bulls and the Washington Wizards where he was recognized with a number of awards and titles including an Olympic gold medal, six-time NBA Finals Most Valuable Player, 14 NBA All Star Game appearances and 1988 Defensive Player of the Year, to name a few. In 2016, he was awarded the Presidential Medal of Freedom from Barack Obama. According to the NBA website, Jordan is “the greatest basketball player of all time.” From product endorsements to even a short stint in acting with his movie Space Jam, Jordan is the highest-paid athlete of all-time and the third richest African American today. Of course, Jordan’s career wasn’t always smooth sailing. With a brief basketball retirement and a short career in baseball, it took trial and error until Jordan realized his true calling was always basketball. There’s much more to learn from the decorated basketball all-star.

I’ve included two quotes:

“I’ve missed more than 9000 shots in my career. I’ve lost almost 300 games. 26 times, I’ve been trusted to take the game-winning shot and missed. I’ve failed over and over and over again in my life. And that is why I succeed.”

“I can accept failure. Everyone fails at something. But I can’t accept not trying.”

I think Jordan was one of the greatest of all time. He simply would will himself into any situation. He was one of the reasons that I played basketball. I remember watching his final championship game that he won against the Utah Jazz. Even sick with the flu he played that series, and the game winning shot was the highlight of his career. Don’t ever let failure stop you, because when you do then you’ve failed. Always remember to let the hope within you rise and give you the courage and strength to stand and fight again.

http://ideapod.com/buddhist-master-21-rules-blow-mind

Ever heard of Miyamoto Mushashi? If not, he was an expert Japanese swordsman, Buddhist and ronin. He became renowned through stories of incredible swordsmanship, wise sayings and a highly influential book called The Book of Five Rings, which detailed his philosophy on life and how to get the most out of it. His philosophical principles are largely influenced by Buddhist philosophy and he’s said to have mastered the art of detachment, letting go and discipline. In his book, he also revealed his 21 rules of life. Below I thought I’d share them because not only are they insightful, but it explains the Zen Buddhist way of life so brilliantly.

Here are four quotes:

Accept everything just the way it is.

Think lightly of yourself and deeply of the world.

Do not fear death.

You may abandon your own body, but you must preserve your honour.

Although I agree with Musashi’s quotes, I don’t hold onto his wisdom in all situations. I find that the Book of Proverbs is a good source of wisdom. Even then I seek the inner wisdom that has been given and is given to me. To your own self be true guided by truth and grace. Life is a constant battlefield and it’s made up of work, but we work to live life and not live to work. Have a plan for your future that will impact eternity and legacy.

If you need a financial check-up or prayer be sure to contact me.

This week, I’ve included MONK MENTALITY – Jay Shetty – One Of The Best Speeches EVER | MOST INSPIRING! from the Mulligan Brothers YouTube channel.

“If you think you know it all, you’re a fool for sure; real survivors learn wisdom from others.”

Proverbs 28:26 MSG

March 10, 2018

Items in italics are direct quotes from the articles below

https://www.entrepreneur.com/slideshow/309877

You might think celebrities never worry about money or don’t think twice when shelling out for fancy cars and clothes or even basic necessities. But the reality is, many of the most successful entertainers and entrepreneurs didn’t come from wealthy backgrounds. In many cases, even if they did grow up comfortable, they had to survive on their own dime before finding fame or fortune. To help today’s financially anxious young people feel less alone in their money woes, digital investment service Wealthsimple is running an ongoing series called “Money Diaries.” It features candid interviews with actors, authors, athletes and more about their first experiences with money (odd jobs and allowances), scraping by in their 20s, managing an influx of cash when they had their big breaks and more. Many of the celebrities, entrepreneurs and thinkers featured in the series are forthcoming and vulnerable in the anecdotes they share. They don’t take money for granted — they save it and think twice before they spend it. Most notably, many of them acknowledge that money is fleeting.

I’ve included only five quotes:

“After high school, I moved to New York City. That’s what I did. I didn’t have anything lined up, and I started working in restaurants, first as a busboy, and then as a waiter. My relationship with money was very loose. I had no budget, no savings, no credit cards and no bank accounts. I was a cash-only kind of guy. I’d get paid out at the end of the night, spend some of it at the bar, wake up the next day, and check my pockets to see how much money I had left. There was never a budget or any kind of longer-term financial plan.”

-Kevin Bacon

“In cooking school, I’d work weekends in New York as a cook; I think I was paid $40 cash per shift, which was a lot at the time. I made extra money by playing poker and Acey-Deucey, another card game. I may or may not have moved a little product. “I didn’t put anything aside, ever. Money came in, money went out. I was always a paycheck behind, at least. I usually owed my chef my paycheck [for] cocaine. Until I was 44, I never even had a savings account.”

-Anthony Bourdain

“Every once in a while I treat myself with a special purchase. The most extravagant I’ve been is when I bought a Tesla not too long ago. I like the way it drives, and I really like the idea of reducing my carbon footprint. But often, I’ve found, the least expensive things can be the most personally rewarding. Take my wedding, for example. The whole event cost a total of $500.”

-Woody Harrelson

“Over the years, even as I’ve had more money available to me, my relationship with money hasn’t dramatically changed. I’ve never been the type to say, ‘Oh, look, I just made all this money. Now I can go spend it.’ One day, I’ll step out of the spotlight, I think, and just live a normal life. And just because I have money now, doesn’t mean I’ll always have money.”

-Kylie Jenner

“[Because I didn’t have money] I used to eat peanut butter out of the jar for lunch … In four days, everything happened for me. I was at the right place, right time. Now I eat fancy almond butter, but still out of the jar.”

-Aubrey Plaza

As you can see, even celebrities have money concerns. It’s ok to have money, but make sure that money doesn’t have you. Money is a neutral vehicle, but there is a spirit that drives it. Be a good steward (manager) of your money.

https://www.marketwatch.com/story/what-you-need-to-know-before-signing-a-hush-agreement-2018-03-08

Stormy Daniels is suing President Trump, claiming that she isn’t subject to a hush agreement. A hush agreement reportedly barred Daniels, an adult film star — real name: Stephanie Clifford — from disclosing details regarding her alleged relationship with President Trump. The Wall Street Journal reported in January that a nondisclosure agreement or NDA was negotiated between her and Trump’s lawyers in exchange for a payment. Trump’s lawyer, Michael Cohen, has since said that he paid Daniels out of his own pocket. She now is seeking to argue that the settlement is invalid because “David Dennison,” allegedly the alias used for Trump, never signed it. Daniels used the pseudonym “Peggy Peterson.” But even before Daniels came into the spotlight, a number of women claimed that they signed confidentiality agreements as part of settlements made with Harvey Weinstein. And Olympic gold medalist McKayla Maroney signed one as part of a settlement following sexual abuse by USA Gymnastics team doctor Larry Nassar, recently sentenced to up to 175 years for his crimes. Here is what consumers need to know:

These sorts of agreements can go by many names, said Donna Ballman, an employment lawyer and author of the book “Stand Up For Yourself Without Getting Fired.” “Nondisclosure, hush, confidentiality — no matter what you call it, they are probably the same thing,” Ballman said.

These types of agreements keep one or more parties from disclosing terms of a settlement. These agreements will disclose what information can, and can’t discuss to the public, and over what period the agreement can be discussed.

In some cases, hush agreements will include non-disparagement clauses that bar someone from saying negative things about the other people who formed the agreement, Ballman said. While recent examples have predominately involved instances of sexual harassment or assault, they can be used for a variety of settlements. Ballman said consumers were most likely to encounter them in product liability settlements or as part of severance packages. Start-ups and inventors may use these agreements to prevent them from revealing proprietary information, while researchers may employ them among participants in studies. Public figures may use them for domestic staff, including housekeepers and even babysitters.

If this agreement is ever broken, then there are more than likely financial consequences. In certain cases if an NDA is in an employment contract, it can be grounds for being fired, and in even rarer cases, it can result in jail time if a court finds that the breach constituted theft of proprietary information. The Weinstein scandal has prompted many to question the use of nondisclosure agreements, particularly in the context of sexual harassment.

Consumers should be aware of their rights before signing such agreements. The National Labor Relations Board believes that non-disparagement provisions that prohibit employees from criticizing a company’s executives publicly are an unfair labor practice. And federal civil rights law supersedes settlements that seek to prevent someone from filing sexual harassment charges, which means you may still be able to file a sexual harassment lawsuit even if you’re signed an NDA. Ultimately, a consumer should seek legal counsel and carefully weigh what information would have to remain confidential under such an agreement and what effects that could have. “Contrary to NDAs that permit parties to do business together or protect proprietary rights, NDAs that hide harassment withhold crucial information from the profession and the public,” Annie Hill, an assistant professor at the University of Minnesota, wrote regarding the Weinstein allegations.

As the article states, when it comes to any type of legal matter be sure to consult with an attorney, before signing any legal documentation. If you’re interested in learning more about having access to the legal system be sure to contact me. I also will add this thought. What culture says is right may not always be right. Culture constantly shifts and changes, if internally in your heart you know it doesn’t line up with your moral system, then it’s possible that it may not be correct. Be mindful of the company you keep and reach out to them for their thoughts. Don’t do life alone.

This week, I’ve included THE WAKE UP CALL | You Will Stop Wasting Any More Time from the Video Advice YouTube channel.

“If you think you know it all, you’re a fool for sure; real survivors learn wisdom from others.”

Proverbs 28:26 MSG