Tag Archives: biblical

Moving On and Moving Forward

I just sent this to my subscribers online.  Today I begin Financial Grace Consulting and Training full-time!  For individual clients I work in association with Loney Financial as their Business Development Manager.  And in everything my message is about knowing the Lord Jesus Christ in the middle of your day-to-day financial transactions!  In that regard, today I welcome the Holy Spirit into ALL my communications and encourage you to also.


 

As you have seen recently I have transitioned my teaching and programming away from the previous corporate message to Financial Grace. I will be providing paradigm shifting programs, training and materials from a professional, biblical and practical perspective on a go forward basis. These materials are geared towards empowering the church in the area of personal finances.

If you would like to stay connected (or get connected) in this way please click here to subscribe at www.financialgrace.org.  You will receive my ‘Triumph Over Money‘ report and fresh new insights and devotions called ‘Prosperity Seeds‘.

My portfolio of MoneyMinding® content for financial coaching, marketing and training will be reintroduced through my successor(s) in the coming months and I encourage you to stay tuned for exciting news about new programs for financial professionals, for young people and others who are interested in positive changes in personal finance!

Abundant blessings,
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PS – Simply enter your information here to get connected to me and Financial Grace and the exciting new programs beginning shortly!

$1000 a Day

If you learn how to manage your pennies, you can also learn to manage a whole lot of money. Which would you prefer:  $1000 per day for 30 days of a penny doubling for 30 days?  Do the math and you’ll quickly discover how the small things repeated consistently produce the biggest results in the shortest amount of time.

This is the theme of the Power Money Course.  Order yours today to find out what those ‘small things’ are for you to realize your own $1000 per day (or more or less depending on what you really need to pay for the life you’d like to live).

How to Win the Lottery

Today (August 23, 2013) starts our 50 day countdown until October 11, 2013. That day happens to be my 50th birthday.  In celebration and in preparation for launching new MoneyMinding programs we are giving away $250 cash.  For every 50 Power Money courses sold we’re giving away $125 to the winning name and $125 to the person who referred the winner if applicable.  All you need to do is forward the 50 tips.  The easiest way is to ‘like’ MoneyMinding on Facebook or follow me on Linkedin. Power Money is the most comprehensive, practical personal money program you’ll find anywhere. It’s unique.  It’s powerful in what it can do for expanding financial capacity.  And, it’s the foundation and pre-requisite for other valuable MoneyMinding programs I know you’re going to want to participate in in the future.

How to Win The Lottery:

I’ve heard some people estimate that 90% of the population is looking for more money.  I’ve also heard that only 30% of that 90% are willing to do something about it.  The rest just want the easy way out so hold on to ‘lottery thinking’ by chasing windfall opportunities and quick fixes. To win the lottery in your life, you can invest a couple hours a week to learn how to build a system and financial foundation that is uniquely suited to you in order to experience the results of unlimited and sustainable income in your life.   Order the Power Money Course today to create your plan for financial results beyond what you previously thought possible. Blessings, Tracy

Producing Abundance Despite Apparent Lack

47 During the seven plentiful years the earth produced abundantly, 48 and he gathered up all the food of these seven years, which occurred in the land of Egypt, and put the food in the cities. He put in every city the food from the fields around it. 49 And Joseph stored up grain in great abundance, like the sand of the sea, until he ceased to measure it, for it could not be measured.

53 The seven years of plenty that occurred in the land of Egypt came to an end, 54 and the seven years of famine began to come, as Joseph had said. There was famine in all lands, but in all the land of Egypt there was bread. 55 When all the land of Egypt was famished, the people cried to Pharaoh for bread. Pharaoh said to all the Egyptians, “Go to Joseph. What he says to you, do.”

56 So when the famine had spread over all the land, Joseph opened all the storehouses and sold to the Egyptians, for the famine was severe in the land of Egypt.57 Moreover, all the earth came to Egypt to Joseph to buy grain, because the famine was severe over all the earth.  Genesis 41:47-49,53-57

The story of Joseph has been told so many times and offers so many lessons that sometimes it’s easy to think we know the story and that’s that.  However, when you stop learning you become complacent and ineffective and self-centred – not exactly qualities of following God’s will.

A couple of years ago I was asking the Lord for some insight to why the commonly accepted financial wisdom was to accumulate money for the future (not that this is bad, it’s the emphasis on it for retirement that is perplexing)  He lead me to the story of Joseph and revealed some interesting principles that address so many financial issues that cause uncertainty for people today.

Typically the interpretation of what Joseph put in place in Egypt after interpreting Pharoph’s dream of 7 years of prosperity followed by 7 years of famine is that the Egyptians saved up the food during the good years so they wouldn’t starve to death during the famine.  It’s interesting to note that the passage doesn’t mention any fear running out or not having enough, nor does it mention storing the food just for the Egyptians.

What the passage actually says is that the Egyptians produced the food from the land and it was collected and stored in the cities throughout the country.  When the famine came, the Egyptians sold the food locally and to people who came from abroad.  Producing the food from the land, meant they processed it in some way and selling it meant they created income from their efforts.  In this way, what they created was a sustainable economy.

It seems to me that God provided fruitful land from which the Egyptians could work together at the local level to use their talents to produce goods that benefited them and others.  Because the produced food was available in cities throughout the country they had a distribution network so the produce was accessible to and beneficial to many people.

Today to produce abundance means despite an apparent lack or gap I resources, means you have to first focus on the prosperity that you do have available, then find a way to produce something of value to others; particularly something that is essential and consumable.  Then work with others to create a system to sell your goods.  This is the entrepreneurial spirit of infinite possibilities that creates abundance, rather than stockpiling for personal survival with a concern that you might not have enough or might run out.  Your plan doesn’t have to be huge with a worldwide audience, it just has to start with a mindset of creating a sustainable income in your personal economy by considering the needs of others as well as yourself.

You can read more about the consequences of our current thinking around personal finance following the accumulation model in The Death by Money Report available at www.deathbymoney.com

Dressing for Success Means Planning for Success

I delight greatly in the LORD; my soul rejoices in my God. For he has clothed me with garments of salvation and arrayed me in a robe of his righteousness, as a bridegroom adorns his head like a priest, and as a bride adorns herself with her jewels.Isaiah 61:10

There are many references to clothing in the bible. Also, many references to His protection, confidence, wisdom, blessings, and love are illustrated using clothing as examples.  So, while I’m not a bible scholar, I am an expert in financial education that enhances financial capacity and … I’m a woman who likes nice clothes and who loves God which gives me some insight into this sensitive and controversial topic.

I’m not naive enough to say that God wants us to dress nicely and all have nice clothes, but I do have some expertise in financial matters as it relates to our outward appearance and our financial well-being.

When a bride and groom are married, they become one in the eyes of the Lord (and the world).  The Lord blesses their union as he blesses ‘his children’.  I will add that in all my years of experience working with people and their money, the issue of spending money on clothing is likely one of the most sensitive subjects because it gets right to the heart of our faith and financial insecurities.

Spending money on clothing for yourself for many people seems like a selfish act, yet look at the benefits:  you feel more confident in presenting yourself to the world which enables you to excel in your area of work or service, and economically you are supporting a business and the life of the employee or owner who works at the business.

If you feel guilty or selfish or irresponsible when you purchase clothing and dress yourself in the morning you are not clothing yourself in the ‘garments of salvation or robes of righteousness’.  In our society we are required to dress appropriately for the type of work or service we perform.  This requires some planning and management in order to present yourself in a way that is congruent with your work and who you are as a person (who God says you are), and for the work God wants you to do.

If you can step outside the emotional connection clothing has to your life and look at it as a necessary tool for your life, you will then understand that God is involved in the details of your wardrobe.  He tells us not to worry about what we wear (Matthew 6:25) because if we do, He’s not our top priority.  This doesn’t mean to let yourself go and to ‘schlep’ around thinking that somehow you are more ‘godly’.  We are all living at this particular time in history because God has a plan for us.  This means, we should take heed to his prompting and plan our lives with Him at the centre – including how we spend our money on our clothing that presents us to the world where we do His work.

If God has given you an inspiration and a purpose, or has placed you somewhere to do some work or perform some service, then your obligation is to trust him to provide for you all the necessary tools for you to do that work, including money for appropriate clothing.  And in order to assist this process you have to accept that clothes are an essential item in our culture today so you have to know how much money you need to spend to provide you with the appropriate garments to do the work God wants you to do.  This means preparing a cash flow forecast that includes a line item for clothing and to being prudent with your purchases.  When you do this prayerfully, the Holy Spirit will more easily assist you with your shopping and daily ‘dressing’ routines because you are living your life dependent on the Lord, and congruently with your priorities, your roles, your values and your finances – and when the Lord has inspired your work, and you are trusting him, and putting appropriate systems in place to manage the resources He’s provided you with, then it’s also much easier and more likely that you will realize a larger provision and more resources to continue to do more good work, requiring more provisions, etc. etc.

 

 

Do You Have Plans for Prosperity or Are You Just Hoping?

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.Jeremiah 29:11 NIV

When it comes to money, I am convinced that the majority of people today would likely interpret this verse for themselves as, ‘…plans to hopefully prosper me financially, not to cause me to suffer financially, plans to hopefully give me a brighter future.’

Of course, I could be totally wrong, but if the percentage of people I talk to on a daily basis about some aspect of money is any indication, then I would be inclined to say we have an epidemic of financially worried people carrying a virus of doubt and fear into the majority of their everyday financial decisions.

If the  Lord ‘declares’ that He has plans to give us a hope and a future, then any sort of financial doubt means we are fretting needlessly.  This leads to guilt, and self-condemnation, which in turn creates a downward spiral of low confidence and ultimately a self-sabotage of more lack.  Certainly this isn’t the life the Lord has planned for His people.

Obviously if breaking this paradigm was as easy as saying, ‘just believe’ then any positive thinking, self-help book would have the answer and anyone who’s read one would be rich and successful!

But what is prosperity anyway?  It’s not dollars and cents, and it’s not something we do on our own.

To apply the prosperity mentioned in Jeremiah 29:11 to money in real life today, you have to start by recognizing whenever you are trying to control some aspect of money in your life:  spending, saving, giving, insuring, borrowing, paying, earning, judging others, working, comparing, wishing,…(or not).  Then whenever you catch yourself in some aspect of financial doubt, lack, or judgement, simply thank the Lord or all He has provided and praise Him for knowing the plans He has for your life.  Do this for a day, then a week, then a month, and keep going…you are building confidence which is the foundation to help you learn and apply additional practical strategies to your ongoing real life financial decisions!

If you’d like to join me and others to explore God, Money and Real Life, please contact me at tracy@moneyminding.com or 250-592-0457 for more information.  Or make sure you read The Death by Money Report available at www.deathbymoney.com for additional information on the paradigm shift required to make immediate and lasting positive financial changes to your life!

 

 

The Eye of the Storm

Money has a way of stirring up a hurricane in our lives.  Whether something happens from a an unexpected event or whether it’s a decision that needs to be made about buying, borrowing, or investing, on a day-to-day basis, money affects EVERY area of our life.

Navigating the real-life challenges and day-to-day money decisions in your life requires a certain amount of knowledge, skill and confidence depending on the situation.  Applying all three of these areas at the right time and in the right way is a process and also requires faith.  It’s all these things working together that can create the calm in the midst of some of the biggest financial storms.

Money isn’t just technical know how.  Whether we like it or not, throughout the ages money has power and is a very emotional, controversial subject.  Bringing God, Money and Real Life together is equally as controversial and emotional but also provides a foundation for God’s blessings for powerful results beyond what we could potentially ask or imagine on our own.   

Beginning Friday, September 7th from noon 1:00 pacific time for 4 weeks during the season of transition from the relaxing, bright sunshine of summer, to the cooler, busier days of fall, I invite you to join me on a journey through the storm to discover and apply God’s wisdom to real-life money decision making today.

The program includes 4 live and recorded Teleseminar lessons and weekly homework so that by the end of September you will have fresh new insights about integrating God’s word and real-life money knowledge for earning, managing and maintaining wealth today.  The objective is to discover and apply the learning so that by the end of the month you will have new knowledge, new skills, and an action plan for you to incorporate this information into your own life.

Plus, if you’re a financial professional or counsellor who works with people and their money, you will have new tools, strategies and resources to help others navigate turbulent money situations.

Registration is $99 here, or in keeping with the principles of giving and sharing, you can also make a donation of any amount here in order to participate.

If you register and pay in full before the end of day Friday, August 31st you will also receive access to the full original MoneyMinding Makeover course valued at $250.  This program has produced worldwide testimonials because it provides simple, sequential steps of short information pages, followed by the exercises, templates, questionaires and specifics needed to implement the information into your life.  It is timeless, generic, powerful information that is not and has not been taught in school or by mainstreem financial educators!

If you’re not sure you can make all the sessions live, that’s ok.  You’ll have access to all the recordings and materials and an opportunity to interact and ask questions with the group regardless.  And if you still have questions or are not sure if this is the right program for you, call me directly at 250-592-0457 pacific time.

Blessings,

Tracy

PS – There is so much unsettling financial news today.  Now we also have hurricane Isaac occupying the news and adding to the unsettling financial news.  Thousands of years ago, Abraham trusted God with a very unsettling situation and acted in faith with preparing to sacrifice his son, Isaac.  No doubt there was great turmoil throughout this interaction before God stepped in and provided the sacrificial lamb instead of Isaac.  Today I pray for the families affected by hurricane Isaac and I pray that there is no financial hurricane causing turmoil in your life, or if there is, that you are able to weather the storm and find the peace that surpasses understanding in the eye of the storm.

God, Money and Real Life

God says “But forget all that was in the past — it is nothing compared to what I am going to do.

For I am about to do something new.  See, I have already begun! Do you not see it?  I will make a pathway through the wilderness.  I will create rivers in the dry wasteland.” Isaiah 43:18,19

Because, “The blessing of the Lord makes a person rich, and he adds no sorrow with it.” Proverbs 10:22

The Past:

In 1997 while still practicing as a top investment advisor for one of Canada’s largest investment firms, I began developing the concepts that have formed the basis of the MoneyMinding programs and materials.  In 1999, God revealed himself in a dramatic way by sending an angel to our 3 year old daughter.  In 2001, both my husband and I accepted Christ as our Lord and Saviour and He has lead us on an amazing journey with some real-life challenges ever since.

This journey has so far included some of life’s biggest stressors:  a tax re-assessment and bankruptcy, a sudden close family member death, close family member cancer, another close family member messy divorce with kids involved, multiple moves, and a seemingly endless list of every day challenges with bills, cars, kids, family, etc. etc.

In 2005, we had an initial exciting financial revival after a few rough years, with a new home and successful business launch only to be met with challenges that grew out of trusting some people who had their own agenda including attempting securities fraud with my company, MoneyMinding.

There comes a point in life when you know that the Lord has plans for your life, ‘plans to prosper you and not to harm you, plans to give you hope and a future’ (Jeremiah 29:11) and that His grace is (and always has been) sufficient (2 Corinthians 12:9) to provide the courage to glorify Him through my life. (Philippians 1:20)

The Present:

The intersection of knowledge and faith came together to save my / our life in 2011.  The Holy Spirit spoke loud and clear that I was not to continue with the consultant’s plan to provide funding for the company in the public market the way he had been setting it up.  Everyone on the team was encouraging me to continue because the process had taken over a year longer than expected and money was scarce at best, and stress levels were off the chart.  The overall theme was to ‘get the money’ and get missing information later.  The process was halted and the team perceived that I had sabotaged everyone’s financial windfall.  In reality several months later, I did get the answers to the questions that had been mounting.  The funding ‘scheme’ was confirmed to be illegal and I was being set up to be responsible for the illegal activity.

Thank you Lord, for intervening when knowledge left questions and man was misleading me.

My husband, daughter and I were left with no money, minimal income, a mountain of debt, an entire mountain range of corporate administrative clean up, and no expertise or resources to carry on and re-build.  Yet the Lord has been faithful and has provided strength, money, people, encouragement and wisdom to maintain our bills, home, credit, marriage, and our health.

Surviving a devastating financial upheaval takes courage, it takes wisdom, and it takes God’s love to hold you through the long days of hard work and tough decisions.  Sometimes its only because He’s there that getting out of bed in the morning is even possible.

The Future:

My prayer is that you do not have to experience a major financial stress anywhere close to this.  Unfortunately, as I have written about in my new book, The Death by Money Report, the reality is that most people will experience some sort of financial uncertainty and struggle during their lifetime.  It could be from job loss, health issues, death, divorce, business failure, investment loss, accumulated debt, or a seeming inability to earn enough money to live the life you once hoped to be able to live.

Seven years after starting the company and marketing the information corporately, the Holy Spirit is prompting me to share the biblical principles that have combined with my technical expertise to help others navigate the world of personal finance today.  He is indeed doing a ‘new thing’ (Isaiah 43:18,19) and there is ‘no sorrow’ or ‘painful toil’ for it (Proverbs 10:22).  The principles have always been the foundation of the MoneyMinding programs; however, I have only recently started sharing with the body of Christ, the biblical integration.

Beginning September 7th, at noon Pacific, I invite you to join me for a 4 week journey:  God, Money, and Real Life.  I’ll share principles, strategies and action plans you can put into practice to experience the Holy Spirit’s power working in your finances and your life today.   God says, He can do ‘immeasurably more than we can ask or imagine’ (Ephesians 3:20).  I encourage you to join me to experience fresh insights from His living word and from the voice of experience, and expertise.  My desire is that you will be able to apply these concepts to your own situation to realize results you didn’t before think were possible!

The program is $99 for the four, 1 hour live and recorded audio sessions plus ‘homework’.  But, in keeping with God’s principles for prosperity, you can also make donations of any amount that will fit with your current situation.  If you aren’t able to attend the live sessions, that’s ok too, they will be recorded and you can still participate on your own time, including being able to ask questions and share your results.

Order here

Donate here

When your order and / or donation has been received you will receive information within 24 – 48 hours with further details and welcome instructions!

I’m looking forward to sharing more with you and to experiencing the Lord’s work in and through all of us as we journey forward together!

Abundant blessings,

Tracy

PS – This program is the first of many ‘new things’ as I also prepare to share the creative financial planning strategies and support from my long time friend and greatly admired financial advisor, Dan Loney (www.loneyfinancial.com).  He and I have discussed co-authoring a book on debt for almost 10 years now; I have come close to working with him several times in the past; and look forward to helping him expand his biblical program on financial management called, The Joseph Principle.  I will be continuing to support the portfolio of MoneyMinding content, programs, resources and materials including mVillage membership with live mentorship.  These are central resources for you to get personal and anonymous information and support and where new information is made available to members 24/7.