As a financial coach, I see a lot of people beat themselves up because of not starting or finishing. We are our own worst critics. No matter how great we have done in one area, the negative seems to always outweigh the positive. This year is slowly coming to an end but it does not mean you are not able to accomplish your goals. Time is a very funny thing. I would like to encourage you to read this article as “Day 1” of your journey. Your location right now is perfect as you embark on improving your life for the better. This is how I view finances. We all have done some things in past years that do not make us proud, but every day we each have an opportunity to start brand new.
The scriptures I will use to back this up are Lamentations 3:23 (NLT) “Great is his faithfulness; his mercies begin afresh each morning.” Every morning God wakes us up he gives ups a new opportunity to try again. It doesn’t say great is your faithfulness every Tuesday, once per month, or only on Sunday. Every day we are breathing we get to do this thing called life right. God is that faithful. My encouragement to you from this first verse is give yourself the clean slate just like God has already done for you. No matter what things have looked like before you can turn everything around by trusting God. The second verse is Zechariah 4:10 “Do not despise these small beginnings, for the Lord rejoices to see the work begin, to see the plumb line in Zerubbabel’s hand.” (The seven lamps[a] represent the eyes of the Lord that search all around the world.)”. You see God gets excited when we start the work. He does not show up in the middle of a project or only at 97% when the majority of the work has already been done. He is with us every step of the way. I am grateful for his presence through it all.
What does this have to do with finances? I know that many people feel overwhelmed thinking of their finances and wonder how I will ever get out of this mess. God is with you every step of the way pushing you encouraging you providing you with the patience and endurance to go with it all. I do have to break it to you. Work is required for success. There is no way out of it. (James 2:20 (KJV) But wilt thou know, O vain man, that faith without works is dead?) You will have to work on your finances. You cannot continue to allow it to pile up on you. There is not enough space in this article to give you everything you need but I will provide you with these tips to get you started fresh. There is no need to wait until January anymore. Use these tips and start today.
- 2 Corinthians 9:6-7 (Give cheerfully, with common sense)
- Proverbs 22:6-7 (Train your child to be responsible with money)
- $1,000 minimum emergency fund
- 3-6 months of expenses – (Fully Funded Emergency Fund)
- Pick one bill, pay it off (Repeat)
- Try not to add more debt
- Add income by picking up a hustle or cutting back cost.
- Find an honest accountability partner (Proverbs 27:17)