Tag Archives: god

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!

How to Decide WHEN Regarding Setting Financial Goals?

In order for goals to be achieved they have to be able to be measured. When you set a fitness goal, for example, you wouldn’t say, “I want to be in better shape” because the term ‘better’ is subjective and not measurable. Instead you would say something like, “my goal is to weigh xx pounds, with xx percent body fat, and be able to run xx distance in xx time or less by xx date. When you fill in the ‘xx’s’ you have something concrete and measurable to work towards and a way of keeping score. If by the date you set, those specific targets have been met, then you will have reached your goal to be in better shape. This works because you determine what the ‘rules of the game’ are and how the game is won. This means that you will also be the one who will keep score during the time between setting the goal and the date you determine the game to be over.

Once you fill in any one of the measurable results that will ultimately determine whether you have reached your initial subjective goal of being in better shape, you start creating the foundation which will help you build towards the realization of your goal. Your initial idea starts to take shape as you get more specific on what the concept of ‘getting into shape’ actually looks like.

This is exactly what happens with money. The initial idea for most people is that they want to be able to live a life unencumbered by money. They don’t want to be inhibited in any way because of a lack of money to follow through on their desires. In actual fact, what they’re saying is that they don’t want to be limited in any way because of a ‘perceived’ lack of money. I say ‘perceived’ because until you know exactly how much money you’re looking for and when you require it by, the overall concept of more money starts will continue as a subjective idea.

Typically what people are after with this subjective concept of ‘more money’ is a sense of financial freedom. Financial freedom will be very different for everyone though. This is why it’s so important to start determining in dollars and cents what the criteria are for measuring what financial freedom is for you. My dollar figure will be different than your dollar figure because we have different values, beliefs, goals, and life circumstances. The strategy of measuring the different aspects of your goal is the same for everyone because this is how you determine what the rules of your game and how you play the game (the activities and income creating strategies you’ll apply), ultimately how you keep score and whether you win or keep playing.

In finance, the ultimate goal is financial independence, not just financial freedom. Financial freedom can actually be experienced at any time regardless of your financial circumstances because it’s essentially a state of mind. Financial independence, on the other hand, is specific and measurable because it’s the situation where your passive income exceeds the amount of your monthly expenses.

Passive income is of course, different than active income. With active income you are using your time in order to generate income to support your lifestyle. As you plan and implement your financial plans your objective in ‘playing the financial game’ is to use your active income to create assets which create passive income which enable you to create more assets which create more passive income etc. Passive income with eventually be generated from your assets in an amount that exceeds your lifestyle expenses.

This means that you have to know what your monthly expenses will be when you’re not actively earning income. The concept means you start by understanding exactly how much money you’re going to spend each month. This is not a subjective concept about living a sort of ‘magazine; lifestyle. How much exactly will it take for you to live whatever income you truly see living for yourself. In order to establish this you’ll have to do some research and develop some skills in order to be able to take a capital expense (a purchase such as a house or furnishings or car or clothing, etc) and turn it into a monthly income figure. When you do this you are now thinking financially, rather than subjectively or with simple math.

Financial math includes the factor of time. Simple math on the other hand, is not as dynamic and tends to involve only basic formulas for addition, subtraction, multiplication and division and percentages. The missing component necessary to take you subjective idea and be able to turn it into something that is measurable and manageable is time. This means that if you are starting today and you have defined the monthly passive income objective specifically, then you have to know ‘when’ you plan to have that income in order to discover and implement appropriate activities necessary to ‘win the game’.

In fitness sometimes there are calendar dates which assist in setting goals. Often these are personal such as birthdays, anniversaries, or special events. In fitness, if you plan to attend an organized event then dates are pre-determined. You just have to make sure you allow a reasonable amount of time for training. Without a specific date you might still get in better shape, but your activities are less likely to be as focused so reaching your target can happen whenever.

Because setting goals creates a gap between where you are and where you want be, this is why people find it easier to simply talk about goals from a subjective perspective if at all. Then if they do start to test the waters of goal setting they are cautious to make sure that what they’re doing is ‘realistic’. What this means is they’re afraid of being disappointed so they attempt to reduce the size of the goal to make it seem more likely. This can be a good strategy, however, it can also be limiting.

In my experience, the concept of setting a dollar goal is significant enough to cause stress enough that people don’t bother following through, so the idea of putting a date on their goal which provides the key to the overall strategy and therefore overall success is simply ignored or treated with the same subjective manner as the initial concept of ‘more money’ and ‘financial freedom’.
So how do you determine an appropriate date for the realization of your financial goals? The ‘easy way’ and ‘quick fix’ with a lump sum of money isn’t the answer since you’re looking for measurable activities you can do in order to create assets which create income – not windfalls. If along the way you happen to receive a windfall then consider it a bonus point. Your primary focus is to us your skills and expertise and all your resources in order to create passive income in an amount necessary to pay for your personal lifestyle expenses.

The following are some specific questions you can ask yourself to help you determine when your ideal monthly passive income budget will be reached:

1. Are there any life events that make a transition in your life such as getting married, having kids, kid graduating from school, turning 30, 40, 50, 60, 70, etc…

2. Are there any significant priorities or causes that need your time that you’re not able to devote the time you’d like to today because of financial constraints? How important are these issues to you? It’s one thing to say that something is really important to you and another thing entirely to be confident enough to follow through with the necessary activities. How much time on a daily, weekly, or monthly basis do you have to commit to implementing a strategy to create passive income for yourself without it interfering with your current priorities?

3. Is there anything in your life today that could create an obstacle to change that has to be dealt with first? Examples could be work or family commitments that have to be streamlined in order for you to have some more time and energy before being able to invest a significant amount of time into developing anything new. If there is then when will you be able to make the change to create the time and space to develop new projects and systems? Or, what has to happen before you will be able to dedicate any significant time towards anything new?

4. Are these ‘real obstacles’ or are they feelings of obligation or something you would feel guilty if you didn’t do?

5. Is there some amount of time in your schedule that you could devote to something different, but you’re hesitant because you’re afraid of not following through even with a little bit of energy directed towards change?

6. If you knew for certain that your income plans would succeed exactly as expected, and all you had to do was come up with the plan, then what date would you set for your goal to be realized?

7. Can your plans be multiplied? For example, if you would like to achieve the $5000 in passive monthly income in 2 years instead of 10, then could you identify an income producing project that provided you with the initial $100 then duplicate then seek to duplicate that effort through multiplication? For example, If you were able to set up a system to create recurring orders for a product you were marketing, could you do this for 5 products within that year? Or, what if you developed a strategy to invest in positive cash flow producing real estate and each property provided you with $100 per month in positive cash flow. If you wanted to accelerate your results, then your question would be, ‘how can you duplicate your effort’? The simple answer to the real estate example could be to purchase multi-unit buildings.

There are certainly other possibilities, the point is that it is the combination of all these personal things that come together to determine your plan: values, priorities, causes, desires, interests, money goal and TIME to fund your desired lifestyle. The plan and activities to bring it into reality is developed based on all these criteria.

The significant information that you need first is what your monthly income target is and what is the date you intend to have accomplished your goal? These 2 pieces of information are required before you can select the activities, not the other way around. Sorry, it just isn’t as effective. Our job is to do what we can with our goals set in stone and the plans in sand. This way, quite honestly, you have set up a foundation to connect God, money and real life so God can do what you can’t. It all just takes a shift in thinking, and certainly requires a commitment, to follow through regardless of delays, disappointments and uncertainties. But ultimately it’s your life. If you’re not willing to commit to following through, then that’s ok: just make sure you recognize that you’re playing a different game and don’t ‘try’ to win a game you’re not prepared to fully play. You don’t have to have all the specific plans mapped out as long as you know how the game is won; in finance that means the time and the money. The rest will fall into place as you pursue the activities taking you in that direction.

PS – There is also an expanded version of this article in the MoneyMinding mVillage online resource.  You can access this resource by registering for access to mVillage here.

(c) 2013 Tracy Piercy, CFP.  If you like this information and are interested in reprint information for your business please call me at 250-592-0457 (pacific)

The Still Small Voice for Success

 He [The Lord] says, “Be still, and know that I am God; I will be exalted among the nations, I will be exalted in the earth.” Psalm 46:10

What is it about an image of beautiful scenery that inspires us to feel calm and serene?  In the brief moment that we glance at the image we can imagine the calm and peacefulness of the moment.  If we pause long enough we might even be able to imagine the ripple of the waves, the tenderness of a soft breeze, the warmth of the sun, the vividness of the colours, and the fresh smell of the clean air.

There is a longing that is ignited in our spirit when we see these images that for most of us are rare experiences in our day-to-day reality.  For some high performing people these moments might be almost non-existent.   On a daily basis we are flooded with responsibilities that occupy our thoughts and fuel our activity.  When we do find a few minutes to relax, there is the sound of the street, the humming of electrical appliances, and the constant interruption of some sort of electronic device:  phone, email, text, radio, TV…

What’s upsetting most about the stress of modern day living is that our new reality of electronic communication is training us to have short attention spans and to be dependent on the constant input.  Many people actually find it difficult to ‘unplug’ even for a few minutes.

Often the first activity of the day morning is to check a phone or computer to see who has said what throughout the night.  And from this moment on, throughout the day the phone and computer are constantly being monitored for incoming communication.

This morning, in the span of an hour, I found myself looking at my phone for new messages several times just because it was there.  It has become a habit, that even when the buzz of a new message isn’t interrupting my thoughts its actually programmed into my thinking to check to see what’s waiting for me.   And I know I’m not alone!

As a society, our modern conveniences are actually making it difficult to concentrate.  They are shortening our attention span and interrupting our creativity.  Overall, we are not just losing our serenity; we are changing our ability to think.  I’m reminded of a profound comment a few years ago when my family billeted a few children from Africa.  The instructions to host families were that there was to be no television or electronics for the visiting children because those devices would have a negative impact on their creativity and talent.  Whoa.  Wait a second.  What about our own children then?  What about us adults who are so caught up in communicating online that we are burning ourselves out with the constant multi-tasking and constant recovery from the barrage of interruptions?

Even as I write this message I have the periphery of emails coming into my inbox flashing on my screen (yes, I could turn it off, I just forgot because I’m used to communicating electronically throughout the day).  On top of what we can visually see visually see on our computer screens there is also the pixilation of our screen as a whole that is a constant moving image.  We just don’t consciously see it, but our brains are required to process and interpret this movement.

What does all this have to do with success?  Perhaps it’s obvious to you, as it’s becoming more obvious to me in recent months and years, but sometimes we need to be reminded and certainly we can all benefit by educating our young people on the stress of constant ‘noise’, input, and electronic communication.

God created us to connect to Him:  the all mighty, all knowing, all powerful.  Our modern society is becoming more and more distanced from His Holy Spirit.  We are also becoming more and more distanced from the powers even of our own thinking, let alone His.  We are becoming like waves tossed in the ocean; fallen leaves gathering together in piles that initially are fun, but which over time end up composting from the elements.  We’re all doing it and we’re barely recognizing the ‘death’ it’s causing in our peace and ultimately in our success.

The calling from a beautiful scenery picture that speaks to your spirit is likely screaming at you to slow down and be still.  God promises to provide for ALL our needs.  But we have to stop to listen to him.  The serenity we crave will enable us to hear God speak to us in a way that will guide our thoughts, which will guide our words, our actions, and our results.  What provides this peace in our spirits and souls?  The kind we sense when we gaze longingly at these beautiful images? If you look long enough you’ll find that this kind of peace doesn’t come from financial success, or the satisfaction of a good workout, healthy meal, or job well done, or even the connection to your friends and family.  You find peace in your soul because you have been still long enough to ‘hear’ God speak to you in way that means something to you personally in whatever situation or circumstance you find yourself in.  And all the other things:  finances, health, relationships, success, etc. are the results God says will follow. (Mat 6:33, Luke 12:31 and more)

Because money seems to be as important as oxygen for survival in modern day living, and because money is a tool that can provide us with experiences that provide us with peace, joy, and serenity we naturally experience financial rewards as success and peacefulness.  But it’s important that we put all this into perspective and recognize that we have to interrupt the ‘busyness’ and constant stimulation in order to experience God’s peace long enough to actually let Him guide us in the areas of success that are important for each of us individually.

The peace we all desire will be reflected differently in each of our lives:  relationally, physically, financially, and emotionally.  I, for one, am aware of the stress caused by the day-to-day barrage of interruptions and its overall negative impact on the peace in my life in ALL of these areas.  It’s the spiritual success that will provide this peace that will ultimately provide the success in the other areas also, but with the peace in whatever your current situation is, ultimately it won’t even matter – how ironic is that!?

I know in my own life and for many others, that some of these modern day communication methods have programmed my own thinking so it’s much harder to enjoy downtime during hours that have conventionally been recognized as ‘work hours’.  As I write this I challenge you, I am also challenging myself, to identify the ‘noise’ in your life and to recognize its addictive power over your peace.  Then, armed with this insight ask the Lord to help you to break free from the addiction to begin to experience more of the stillness He wants us to have so he can speak into our lives.  This way He can guide us to the success He has planned for each of us in a way that will bring glory to Him in the process.

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.

Why does it seem so difficult to apply financial knowledge to get real results?

I’d like to invite you to join me in September for and exploration of God, Money and Real Life.  If the bible has so much to say about how to manage our money and there seems to be such a growing volume of people offering financial education, why do the studies also show that there is also a growing number of people struggling financially?

  • Could it by that there is a resistance to the information?
  • Could it be that vast numbers of people deny that additional financial information is important or could make a difference?
  • Could it be that the personal application of the information isn’t understood?
  • Could it be that many people just assume they already know how what to do to manage their money and make good financial decisions based on what they’ve done or learned in the past?
  • Could it be that much of the information being taught today is still only half the story?

Whatever the reason, there is no doubt that money, and in particular God and Money together, are:

  • Essential topics today
  • Controversial topics today
  • Require a fresh new look in order to create the paradigm shift so many people desperately need in their lives as it relates to money today.

I invite you to join me on a 4 week journey beginning Friday, September 7th at noon pacific to discover and apply some of God’s foundational principles of money as it relates to real life today.  The objective isn’t just more knowledge.  The objective is application, which means getting results.  And I promise you that with God’s blessing, it has the potential to provide the missing link between His living word about money, and your own life situation.

What qualifies me to teach about God, Money and Real Life?  For over 20 years I’ve been working in financial services; over 15 years ago God gave me insights to a missing link between financial information and the real-life application of that information; and his purpose for my life to share this information has taken me on a journey that sometimes feels like Joseph’s journey during the period of time from the pit to Pharaoh’s Palace:  a persevering spirit guided by the Lord.

We’ll cover:

  • Where to start?
  • What are your money goals (and why)?
  • How do you get from where you are to where God wants you to go?
  • Our financial systems are more complicated today than thousands of years ago, what do you need today to apply real life      with God’s plan for you and your money?

Here’s how it works:

1.  Register today by either:

a)  ordering online here, or

b)  making a donation here, or

c)  contacting me directly to make arrangements
2.  Before the program begins on September 7th, I will send you online access.  Depending on the total number of registered, we will either meet for our weekly sessions by phone, or by online video access.

3.  Each week we’ll meet as a group for the lessons and discussion, and each week I’ll provide you with follow up materials and ‘homework’.

4.  If you aren’t able to make a session, or if you’re away, that’s ok, because all the weekly sessions and follow up materials will be archived and available online.  The online access will also include an opportunity for you to share thoughts ideas and questions and to communicate with others in the program if you chose.

Hope you can make it and looking forward to sharing more with you.

~ Tracy

PS – If you’re just not sure, then please visit www.deathbymoney.com to order your copy of my new book, The Death by Money Report, to get the background information and to find out why this message so important today!

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.