Month End: January Snapshot


At the end of January, I found the year starting off to be a year of great joy and transition. My wife and I are believing to have a baby and bringing a new life into this world requires the ability to make transitions. This year has already seen changes even in my workplace. We’ve hired on three new people within my area, and I think these additions will help in our long-term growth and sustainability. This month was filled with having to manage time and tasks and assist in training the new hires. If you haven’t had the opportunity to be in some type of mentor role then I suggest you try it. Personally, being a mentor seems to add something to my life. I believe we were born to be in relationship, to discover our purpose, and make a difference.

I didn’t expect to receive a bonus this year. Honestly, our year didn’t end as strong as I had hoped, so I was extremely thankful and surprised when I did receive one. It exceeded my expectations, and with the bonus I was able to achieve a level in savings that I have never had before. Last year I made decisions to consolidate my finances, debt repayment strategy, and focus solely on just paying down debt. I chose to simplify my process, communicate more with my wife, and truly began to steward my money better. The result is having more than I’ve ever had in savings, eliminating over $19 thousand dollars in debt, and in general a more controlled management of my finances. Despite these achievements, there were still financial challenges this month. We had to replace a fuel pump and had other expenditures. Unlike previous events, we know we have options on how to handle expenses as they come up. The truth is in life you will always have an unexpected event that will cost you. That’s life. Your best response is to take deep breath, have faith, consider your options, and choose the best path. At my current pace, my goal this year is to pay off all the remaining credit card debt, and next year focus on paying off the lines of credit. I still have one credit card that I use and pay off monthly. I use my credit card vs. my debit card because I have the discipline to pay it off monthly. I like to collect the rewards from the credit card and it protects my bank account from ever being compromised if the card’s information ever got compromised.

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.

This month’s video is MONK MENTALITY – Jay Shetty – One Of The Best Speeches EVER | MOST INSPIRING! from the Mulligan Brothers YouTube channel.

“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

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Month End: March Snapshot


This month I began creating and implementing a system in my new role. I’m enjoying this role, because it’s taking the existing skills that I have, improving on those skills, and learning new skills all for fulfilling the vision of my workplace in 2017. This new role is also enjoyable because I must be creative. I honestly don’t know if I could be able to handle this pace of life if it wasn’t for the help of the Lord and my darling wife. I’m very thankful that when I come home at night, I have a meal ready to eat. I’m going to work early and leaving late at night. I remember a time when it was a struggle for me to get to work on time, whereas now I really have no choice due to where I live and the commute I must take to get to work. It’s a longer commute time, which some would think of as uncomfortable, but I look at it as an opportunity to improve on a work habit. The extra time I have early in the morning allows me to prepare my mind mentally for the day, and staying late, allows me to finish what I need to finish or just relax my mind to close the day.

It’s important to take every storm as an opportunity to look for and seek the end of the storm. The truth is every storm has an end, and that there is a plan and a purpose in every storm. Next month, I’m going to use a balance transfer to assist in covering living expenses. My wife has decided to take her licensing test next month vs. this month, and I completely encouraged her to do it. I’d rather she be comfortable and pass the test the first time, rather than run the risk of failing it. We’re also pursuing in applying for a personal line of credit for her to assist in consolidating her debt. It’s important to get credit when you don’t need it, because if you try to get it when you do need it, then it may be too late. Use the lower interest rate payments to save money and payoff consumer debt faster. One of my associates in my organization sold one of his first combined policies, and I’m very excited at his level of enthusiasm, and look forward to helping him achieve his goals. My goal for the year is to become a better communicator and so far, I’ve been face with numerous opportunities to develop this skill.

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.”
‭‭Deuteronomy28:12NLT‬‬
http://bible.com/116/deu.28.12.nlt
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I believe in your journey to….

A Debt Free Me

Here’s this month’s video: Be Powerful –motivational speech video – T.D. Jakes from the Motiversity YouTube channel.

Month End: January Snapshot


This month, I said I do and till death do us part to my best friend and my love. I’ll be honest! The wedding process is stressful. If you plan on doing an actual wedding that involves a venue and family, then you will spend money and you will at some point get frustrated. My wife and I are very low maintenance and low-key people, but even we found ourselves exhausted both emotionally and mentally when all was said and done. I’ve moved out of my parents’ home and into an apartment. I’ve had plenty of guy roommates, but now is the first time I’ve ever lived with a female. We’re growing used to living together, and as she gets accustomed to my quirks, and tendencies, every day I’m more and more thankful to God that she is in my life. She said yes to this mess.

At month end, she’s currently not working, and we’re living primarily off her medical retirement and a portion of my income, but thankfully we are both open about our finances and operate our business together. I’ve helped her sign on a new associate for her business, and I’m truly looking forward to what this new year will bring. Due to our honeymoon, I paid a little less than normal on my debt, but the important thing to remember is: if you are in debt, do not miss your payments, and do not let them go 30 days past due. Find a way to make money to pay your debt obligations. If you got yourself in this mess in the first place, it’s your responsibility to get out of it.

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.

The rich ruleth over the poor, and the borrower is servant to the lender.
https://bible.com/1/pro.22.7.kjv

I believe in your journey to….

A Debt Free Me

Here’s this month’s video