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From childhood to adulthood, we have a "why." The "why" is the next piece of the puzzle. from learning to crawl, to walking, to talking, to potty training to, whatever. From birth to graduation from school or College, our life is pretty much mapped out for us. There is another milestone to achieve, another goal to conquer. BUT, once we hit the "real world" where we depend on our "programming"  we do not have a "WHY" it was always set for us, till now!

“Where there is no vision, the people perish: but he that keeps the law, happy is he.” Proverbs' 29:18 So goes with life, we have to have a why, a vision of the future. Like planning a vacation, if you do not know where you are going, how can you "plan" the trip. The destination, the cost, the itinerary. Yes, just like a vacation, your life needs a why so you can plan a fantastic life! Free of debt, stress and worry

 Train up a child in the way he should go: and when he is old, he will not depart from it. Proverbs 22:6  If a child is raised where money is a curse, or a blessing, when he gets old that "training/programming" they will not depart from it. Look at our childhood to see how we view money. Did we hear, money does not grow on trees, I am not made of money. Or was you experience that of proper money management, healthy respect for its blessing and it is Gods money for us to "manage?"

We are taught HOW to get/earn money. From an early age we figure out how to get our hands on the green stuff! Birthdays, Tooth Fairy, Holidays, GOOD GRADES doing odd jobs, babysitting, washing cars, walking dogs our first JOB. Getting the money was, and still is, pretty easy to come by. But again, where do things go smash? Well look at the list above and do you see any clues? HUM?  YES, we earn it, but NEVER learn how to GIVE, SAVE and SPEND responsibility. IE make money behave. Remember, we man

So, we learn how to get/earn money but rarely taught how to make that money behave. Behave? Really? Well, if you don't make that money behave, it will behave for you and simply disappear. We're taught at an early age how to make it "disappear." You get $10 for your birthday, but you have no CLUE want to do with it. So, you go the nearest "expert" GRANNY! she says, "little Jimmy, go BUY something YOU like! VOLA, you got this money thing figured out! Get it SPEND IT! Proverbs 22:6 looks familiar?

So, here you are 35, career, married, kids, mortgage, cars, credit cards, HELOC. As Billy Joel says, "we did not start the fire (debt)." and that is true, BUT you can put the thing out! How? You say you are drowning! The debt is mounting, you need a college fund for the kids. Your retirement is smaller than your checking balance, depending on which checking account, balance you look at! You need a guide; you need a plan. Keep READING

Proverbs 21:5 The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty. As the scripture speaks, being diligent and having a plan will bring abundance. No plan and being hasty (want it now, buy with credit) lead to poverty. So thoughtful management of money will lead to abundance!

Proverbs 21:20  Precious treasure and oil are in the dwelling of a wise person, but a fool consumes them. The basic Emergency Fund is $1,000. Yes not a huge of money, but enough to turn an emergency from a crisis to an inconvenience. A flat tire, battery, unexpected Dr. visit. They become an inconvenience. Why?  Because you are NOT grabbing the credit card to cover a simple emergency, AND going deeper in debt! NO MORE! We have a new plan!

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