How’s Your Financial Health?

 

During the month of January we will continue our focus on finance.  Here is a little food for financial thought.

Most of us have a general idea of our height and weight. Some of us know our blood pressure and cholesterol level. Those of us that are really health conscious may even know our Body Mass Index, or BMI and our Fat Index.

How many of us know our credit scores? How many of us know our debt ratio? How many of us know how much disposable income we actually have?

Just as most of us are aware of some of our physical statistics we should be just as aware of our financial statistics.

Our financial wellbeing is just as important as our physical well being. Did you know financial stress is often manifested physically?

Financial worries can cause headaches, fatigue; even a lowered immune system.

If untreated financial stress may result in reduced productivity or a reduction in activity on or off of the job.  You may be distracted by calls from creditors. You may not be completely focused on the tasks at hand. You may need to slip away at work to make a phone call that can only be made during business hours. Your mind may be fixated on how you are going to make ends meet. You may be embarrassed because you can’t afford to go to dinner, a movie or shopping with friends.

Are you postponing doctors or dentists visits because you can’t afford them? Maybe some of you aren’t taking all of your prescribed medications because of the costs.

 

Do you choose between buying groceries and paying the utility bills? Do you neglect regular maintenance on your cars, or drive on tires that should be replaced?

Maybe none of this applies to you. Perhaps your income is sufficient but you can’t figure out where your money goes each month.

Are you in need of a financial checkup? Do you want to be in Optimal Financial Health?

Being in Optimal Financial Health means:

·         knowing your credit score and having a credit score which enables you to receive the best interest rates when applying for credit*

·         setting and living by a budget

·         having a financial plan

 

*I am not an advocate of credit however, not everyone is able to make larger purchases such as automobiles and homes with cash. Credit should always be used responsibly.

If you are interested in being in Optimal Financial Health contact me at gretahillman@gmail.com group and personal consultations are available as well a self study program.

 

Don’t Let Your Mind Defeat You

God has not given us a spirit of fear, but of power, and of love and of a sound mind. Last week’s blog was on reflection, reflecting on your finances, your budget, and your saving habits. Some of you may have already started saving your receipts, requested a copy of your credit report and are on your way to a financially savvy 2014. Congratulations for taking those steps!

Others of you may ask yourself what’s the use? You may say you have tried before but were unable to commit to making changes or something unexpected happened which prevented you from moving forward.

So often we allow what has happened in the past or what we anticipate may happen in the future to prevent us from moving forward and accomplishing our goals. What we need to ask ourselves is what is stopping me from moving forward. We make excuses, some valid and some invalid, but even those that are valid can be overcome.

When I had breast cancer I remember having a conversation with an uncle. He referred to me as being sick. I quickly told him I was not sick. I had been diagnosed with breast cancer. In my opinion I was not sick. I had breast cancer. God told me I would not die so I knew I would get better. Some of my chemotherapy treatments made me sick. I became physically ill, I was nauseas. That was what I considered as being sick.

Oftentimes we allow the thoughts in our mind to defeat us. We may not have any idea of what we can or cannot do, how things are going to turn out, whether or not we can achieve a goal but a single thought can take root and immobilize us. Our quest is to find that root. Some of us don’t have a clue as to why we think we can’t succeed we just believe that we cannot.

A few years ago we had a strange weed growing in our yard. The yard was being treated but rather than die the weeds increased. Finally my husband took a picture of the weed to a local lawn and garden store. They immediately identified the weed and told my husband what he should use to kill the weed. The recommended weed killer not only destroyed the weed from the root it prevented future growth of new weeds while protecting the healthy grass around it.

Whether you are making excuses, ignoring what is preventing you from moving forward, or even believing that there is nothing that is immobilizing you it is imperative that you admit there is something that is standing in your way then identify it. Many times we know what it is but are afraid to admit it. Again, God has not given us the spirit of fear. He cannot give us what is not in Him. Face whatever it is and ask God for the strength to overcome it.

Perhaps you have tried unsuccessfully in the past to overcome circumstances that you thought were standing in your way. Don’t give up, try again, this time seek God first and ask Him to show you what it is that you must overcome. You may be trying to overcome what you think is the problem when it could be something completely different, just as my husband was treating the wrong type of weed you may be trying to overcome something that is not really standing in your way. With God’s help you can overcome anything and everything. Let Him show you what is really standing in the way and allow Him to help you move it out of the way. As we read in John 8:36 if the Son therefore shall make you free, ye shall be free indeed.

Mark 11:23 for verily I say unto you, that whosoever shall say unto this mountain, be thou removed, and be thou cast into the sea; and shall not doubt in his heart, but shall believe that those things which he saith shall come to pass; he shall have whatsoever

 

Time For Reflection

January should be a time of reflection. For those that have charged Christmas gifts on credit cards you will start receiving your billing statements. Mortgages companies, financial institutions and employers are mailing year end statements. Some people may be surprised at how much income they received because they may not be able to account for a majority of what they earned. Others may be surprised at how little income they received yet consider it a blessing because God multiplied their income like the fish and the loaves. Their needs and wants were met and they still had money left over.

As your financial statements are coming in it is the perfect time to prepare a budget if you do not already have one.  Take a look at your spending and your saving habits. Are you where you want to be? If not what changes can you make to move closer to your financial goal? We are only a few days into the New Year. If you cannot account for your income from last year start saving your receipts. Itemize all of your spending. You may be surprised by how much or maybe even how little you spend on certain items.

Oftentimes when people are trying to reduce their expenditures they are advised to reduce or eliminate what they spend on soft drinks, coffee, eating out, entertainment, and wants verses needs. Well what if you have already reduced or eliminated those expenses and still cannot make ends meet? As rich as this country is it is unfortunate that they are many people who are unemployed or underemployed.

Comparison shopping is important. Using coupons saves money. Sometimes it may be less expensive to eat out than cook if you are discarding uneaten food when preparing meals. Freeze leftovers or reinvent them. I used to use leftover meatloaf to make spaghetti. Be creative. Purchasing clothing at a discount isn’t always a discount if the items require dry cleaning.

Over the next 3 months from January through March I encourage you to take a close look at what and how you spend. Are you paying yourself first? Do you have any money put away for a rainy day? Are you prepared for a financial emergency? Some people may think because they cannot save a substantial amount that they should not save anything. This is far from the truth. How many times have you found just enough money to get exactly what you need? Every little bit helps and it all adds up.

I believe in tithing and know that Gods word is true. Think about it. If you receive a salary your net income is what you have to spend. You do not have the option of deciding whether or not certain deductions are made from your gross income. You accept what is deducted and live off of the rest. You have no guarantee that you will ever reap any benefit from any deductions taken from your gross income. However there are several guarantees made by the only person that cannot lie that are associated with tithing.  Decide for yourself who you will believe…but as for me and my house we are sticking with the One that cannot lie.

While you are reviewing your finances get a free copy of your credit report from www.annualcreditreport.com. This site does not provide a free credit score but it will provide you with a credit report from TransUnion, Experian and Equifax.  I recommend you review your credit history annually. Errors can be made. Oftentimes unpaid medical payments are added to your credit report without notification.

God wants us to be whole, mind, body and spirit. That is why He says beloved, above all things I wish that you should prosper and be in health even as your soul prospers. He also says my people perish for lack of knowledge. Learn what you can. Use what you learn and share what you learn.

Everyone can exceed their wildest dreams but not everyone will. It is only those that will not give up, those that believe, those that are confident in God and the gifts He has given them, those that will not accept defeat and don’t know the meaning of the word can’t, and those that think it is impossible for them to fail that will see the fullness of what God has planned for them.

Are you one of the ones that will excel or are you one of the ones that will not excel?

Today Is a New Day

As we begin a new day, a new month and a new year I encourage you to forget those things which are behind, and reach forth unto those things which are before.

Whether you fell short of your goals or exceled beyond your wildest dreams today is a new day.

What goals did you set in 2013 that you did not accomplish? What are the reasons that you did not accomplish your goals? Think about them, write them down, learn from them and move forward. Don’t dwell on what could have been.

What worked well for you in 2013? Think about it, write it down and try to improve upon it. What were you most pleased with? What brought you the most satisfaction?

I have found that when I am following God’s will for my life I have peace, enjoyment and my focus is on helping someone else. It’s amazing how great you feel when you put the needs of others before your own needs.

What is most important is that you put forth an effort to achieve what God has predestined for you to do. As we read in Romans 4:21 and being fully persuaded that, what He had promised, He was able also to perform.  

Oftentimes when things do not go the way we want them to or the way we expect them to we become discouraged, but what we must realize is that every experience should be a lesson learned and if we share what we have learned we can help someone else.

Now is your chance. There is no time like the present. Set realistic goals but let your dreams surpass your imagination. The sky is the limit. Only you can stop you.

What will you accomplish in 2014? My prayer is that you exceed all of your expectations. Remember God is able to do exceeding abundantly above all you can ask or think.

 

Encouraging your physical, financial, emotional and spiritual wellbeing!

Greta

Are You Watching or Are You Being Watched?

Many of us have people that we admire or would like to emulate. You may know someone that always appears to be calm, never allowing anything to rile them. You may ask yourself “how do they do that?” or perhaps you may say “I wish I could be that way”.

There may also be people with other behaviors you would like to possess. People that seem focused, goal oriented, never appearing to procrastinate.

Unless you have a personal relationship with someone all you see is what is on the outside. You may not know the struggles they face that translate into their appearance. We often see this in people that are referred to as an overnight success. What appears to be an overnight success may have taken years to accomplish. A conversation with the overnight success may begin with you don’t know my story, or what I have gone through to get here.

What is important is to realize it can be done. What is it that you are trying to accomplish? Nothing is ever too small and nothing is ever too great to accomplish. Whatever is important to you is important. Don’t allow anyone to tell you your concern is trivial or that you shouldn’t try to do whatever it is that you want to do.

For example a person that is trying to lose weight may have five more pounds they are trying to lose to reach their goal. As you may know sometimes the last pounds are the most difficult to lose. Someone looking at the person trying to lose the five pounds may say you look great I wouldn’t worry about it. Someone else may even think the person is vain because they want to lose five more pounds. Your goals are your goals. If it is important for you to reach your goals you should try to reach them. On the other hand if you decide you are satisfied where you are and make a decision to change your goal or stop short of your goal that should be your decision, not the decision of someone else. Always ask am I doing this for me or someone else?

When God gives you a dream, desire, passion or vision believe it or not He is also giving you everything you will need to bring it to fruition. Sometimes what He places in you seems so great you don’t think anyone will believe it, you may even have a hard time believing it yourself. You must remember you serve a great and mighty God and that nothing is impossible for Him. He doesn’t want you to think you can do anything on your own. You can’t. It is by His grace and through His anointing that you will accomplish what He wants you to accomplish. We read in Philippians 1:6 being confident of this very thing, that he which hath begun a good work in you will perform it until the day of Jesus Christ.

It’s great to look at someone else who is doing something similar to what you would like to do to get ideas and also realize what you are aspiring to do is not impossible. What you should not do is compare yourself to someone else. You are unique just as they are unique. Have you ever seen two people wearing the same outfit? Both people look nice in the outfit but it looks different on each individual because their body types are different. Two singers have beautiful voices but their styles are different so they express the same song differently.

Your expression of your gift is unique to you. This is not the first time nor will it be the last that I remind you no one can do what you can do exactly the way that you can do it. Don’t be afraid to do what God has called you to do because someone else is doing something similar. Your voice/gift will place you before who God has chosen to receive it.

While you are watching others remember someone is watching you. What is it that you want them to see?

 

Take God’s Word Literally

How often do you read the word of God and say that you believe it, then do something that clearly indicates you do not believe it? I think one of the biggest areas that our behavior does not represent our belief in God’s word is in the area of casting our cares, worrying about things over which we have not control. We are told to cast our cares because He cares for us. He says come unto Me all ye that labor and are heavy laden and I will give you rest.

 

I think sometimes we may think that's it is actually easier to worry than to trust in God. Think about it. You don't have to give a second thought to worrying. It comes naturally, but it requires effort to actually trust God and believe He has everything under control. Your effort is mental, and occurs in the same mind that you are using to worry.

 

Unfortunately I have been known to worry on an occasion, or two, or three even though I try not to worry. Recently I was faced with a situation that would usually cause me to worry, but God worked things out so what I thought I was going to worry about became a moot point. All I could say was He really does love me. The God that gave the life of his only Son loves me so much that He does not want me to worry. That's incredible, but then He is incredible!

 

Talk about the peace that passeth all understanding. When you truly understand that God is in control, that He loves you and that He does not want you to worry you will have that peace that passeth all understanding. Have you ever been concerned about something then felt relieved when what you thought might happen didn't happen, or have you ever said to yourself that wasn't as bad as I thought it was going to be and felt relief? Well just imagine having that feeling of relief at all times.

 

Some of you may not even allow yourself to feel the peace that comes with knowing that God is in control and will never allow more that you can bear. You may feel as though you have to help God. God doesn't need your help and quite frankly I don't know of anything that we can do to help God. As a matter of fact what we think of as helping may oftentimes become a hindrance and prevent or delay God moving on our behalf or on behalf of those we are trying to help. The next time your mind prepares to worry allow God to take control.

Many times our worry comes with family matters or with our relationships with others that we love.  You've probably heard the phrase you always hurt the one you love. The other side of that is those that are closest to us are the only ones that can hurt us. If you are not in a close relationship with a person chances are what they say or do will not cause you to worry and will not cause pain. This is not to say that you are not concerned about that person’s welfare but they cannot evoke the same emotions in you that a person that you love can evoke.

 

By the same token someone that is close to you can cause your feelings to be hurt as well as cause you to worry when things are not the way you want them to be. Notice the use of the words “things are not the way you want them to be”. We all want the best for those that we love, however our choice of how we want that to happen may not be the same as what occurs. We do not know and cannot guess how God is going to work things out for those that we love but we can be assured that He will. What we must learn to do is to trust God and rest in His assurance.

 

We read in Matthew 6:27 which of you by taking thought can add one cubit unto his stature? When was the last time your worry caused a situation to change? Worrying cannot change anything other than your own health. It can cause an increase in blood pressure, headache, as well as a lower immune system. Stop worrying and start believing. Believe that God will do what He said He will do. Believe God will keep you in perfect peace if you keep your mind on Him. Believe that great shall be the peace of your children. Believe that God is faithful, who will not suffer you to be tempted above that ye are able; but will with the temptation also make a way to escape, that ye may be able to bear it. Just as Jesus said to the ruler of the synagogue after being told his daughter is dead be not afraid, only believe.

 

Bless The Lord

As we enter into the holiday season many people are excited while others are experiencing stress and sometimes sadness. The holidays usually bring family and friends together. If you have suffered a loss the holiday season may not be very cheerful. You may be thinking about a lost loved one. You may have suffered a financial loss, the loss of a job or perhaps you are separated from family and friends. It may sound cliché, but believe it or not God loves you and He wants you to find peace in Him. I am printing the entire 103^rd Psalm to keep you from having to leave this blog to read it.

As you read this give your worries, stress and loneliness to the one that can handle it, Almighty God. Neither you nor I are equipped to carry our burdens that is why we are instructed to cast our cares. If you are prone to worry make a conscious effort not to worry. Rather than worrying read the lines below as often as needed until the promises below resonate in your spirit. 

103 Bless the Lord, O my soul: and all that is within me, bless his holy name.

² Bless the Lord, O my soul, and forget not all his benefits:

³ Who forgiveth all thine iniquities; who healeth all thy diseases;

⁴ Who redeemeth thy life from destruction; who crowneth thee with lovingkindness and tender mercies;

⁵ Who satisfieth thy mouth with good things; so that thy youth is renewed like the eagle's.

⁶ The Lord executeth righteousness and judgment for all that are oppressed.

⁷ He made known his ways unto Moses, his acts unto the children of Israel.

⁸ The Lord is merciful and gracious, slow to anger, and plenteous in mercy.

⁹ He will not always chide: neither will he keep his anger for ever.

¹⁰ He hath not dealt with us after our sins; nor rewarded us according to our iniquities.

¹¹ For as the heaven is high above the earth, so great is his mercy toward them that fear him.

¹² As far as the east is from the west, so far hath he removed our transgressions from us.

¹³ Like as a father pitieth his children, so the Lord pitieth them that fear him.

¹⁴ For he knoweth our frame; he remembereth that we are dust.

¹⁵ As for man, his days are as grass: as a flower of the field, so he flourisheth.

¹⁶ For the wind passeth over it, and it is gone; and the place thereof shall know it no more.

¹⁷ But the mercy of the Lord is from everlasting to everlasting upon them that fear him, and his righteousness unto children's children;

¹⁸ To such as keep his covenant, and to those that remember his commandments to do them.

¹⁹ The Lord hath prepared his throne in the heavens; and his kingdom ruleth over all.

²⁰ Bless the Lord, ye his angels, that excel in strength, that do his commandments, hearkening unto the voice of his word.

²² Bless the Lord, all his works in all places of his dominion: bless the Lord, O my soul.

 

Be Blessed,

Greta