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Money is not a complicated thing, however, our actions with money can be very complicated. Many times we over complicate it and add drama. The truth is if we did three simple things we would have enough money and would not let dollars and cents be a stronghold in our lives. This post is not about investing and borrowing. To find out more on those decisions click hereThese 3 things should be lived out daily with finances.

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1. Give 10%. We must be giving. We should not be closed fisted, but instead have an open hand. This is impossible to do unless you are giving part of your money away. Giving frees up the heart, kills envy, and renews the mind to remember that life is so much more than money. Like anything in life this is a muscle that needs to be built. If you have not been giving it will be a stretch for you, but it’s worth the effort to lower your lifestyle to have money to give.

2. Invest 15%. Are you planning for your future? How are you going to eat when you can’t work any longer? How are you going to pay for unexpected bills? I know these are not things that are fun to think about so we usually don’t until it’s too late. We need to be putting away at least 15% of our income and build savings and retirement. If a couple hundred-dollar bills ruins your life there is a problem. There is a level of peace when there is more than a few dollars in the bank. You will make different decisions and get better sleep.

3. Live within your means 75%. It is your choice whether this includes debt payments or not. My wife and I have decided to stop borrowing money on anything other than our home. It may take us longer to become wealthy because of a lack of leverage, but I believe the freedom and peace is worth the sacrifice. If this is not the choice you make that’s okay, but at least make sure that you don’t pass the point of bills being more than income. That is not a fun place to be.

I know that these three things are not earth shattering, but most things in life that are simple are where the real change happens. If you have gotten yourself upside down with bills it will take a lot of effort to dig out of them, but in the end it will be worth it. Give, save, and live within the rest. This is the key to a life of freedom and peace with finances.

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People often say that money doesn’t make you happy. I believe that this is true, but I also believe that a mountain of debt is a sure-fire way to be unhappy. Debt is one of the deep dark secrets that no one talks about. I’m not here to convince you not to borrow, though I think you should think about it. Debt is a current of water pushing against you. Everything you do requires an amazing amount of effort and energy; nothing is easy. Investments are different. They are like you are going with the current making everything easier similar as it is paddling down stream. Debt robs you of these three things!

1. Hope. I remember when my wife became pregnant. It was our “plan” for her to stay at home. I say “plan” loosely as it was more what we wanted. We couldn’t make it on my income alone because of debt payments. Even though we knew the whole time we wanted her to stay home when we had kids, our choices didn’t all align with that. We had no hope until we stumbled upon Dave Ramsey! Mountains of debt robs you of the hope to have what you desire. It is like a thief in the night, causing our minds to see all the negatives with money and none of the positives. Restore your hope. It is possible to pay off debt. We made a plan and she went back to teaching for nine months when our oldest was one and everything she made went toward paying off debt. It was the longest nine months of her life! My wife is now at home with our three kids. We did it because of Hope!

“Never spend your money before you have it.”~Thomas Jefferson

2. Peace. Do you remember what it was like to have no debt payments? Ever lose sleep because of debt? I have too. It is such a nasty destroyer of peace. It creeps into your mind and worry sets in. Worry is the opposite of peace. Sometimes when we have had debt around for so long we have grown accustomed to the feeling of worry. This is not the way it should be. There is a better way. It requires sacrifice and hard work.  What is your peace worth?

“Chains of habit are too light to be felt until they are too heavy to be broken.”~Warren Buffett

3. Freedom. Do you remember the scene from Brave Heart? The one in which William Wallace yells, “Freedom!” Financial freedom allows for so much. To give like no one else can give. It allows you to be spontaneous to go when you want to go. When you  have the pounds of pressure that debt brings, you lose a lot of your freedom. My wife had to go back to work when she didn’t want to. We couldn’t give as much as we wanted to give. Our money was all chained up to bills with other people’s names on them. What freedom would you have with no debt?

I believe debt can steal these three things from you. Debt stole these things from us. James 1:5 states, “If any of you lacks wisdom, you should ask God, who gives generously to all without finding fault, and it will be given to you.” I believe that this is true. Ask God and He will show you the way. Remove the chains of bondage. Be free!

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Half awake driving into work mind numb going through the same motions as the day before. Is this not how most of us live? There is no passion rather a begrudging attitude about having to work to pay the bills. The excitement of the new job is gone and everything seems gray. Living for the weekend and evenings, the day is going to creep by. How do we get that passion back like when we first had the job? These 2 things will bring passion back into your work so you don’t feel like you’re on a train track doing the same thing day after day.

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1. Recognize the alternative. No job. That’s the alternative; all the weekends you want. Problem is no money, may go hungry, can’t pay the mortgage or keep the lights on. Scared, but lots of free time. Talk about stress! Anything I face at work is better than the lack of work and if it’s that bad, it’s time to find a new job.

“Great minds have purposes, others have wishes.”  ~Washington Irving

2. What are you here for? What did God put you on earth for? For me it is to restore people by giving them significance in their journey. So I view the world through this lens. If I focus on those parts of my job as a Figaro’s Pizza franchise, I love it. How can I play a role in restoration or significance there you may ask? Letting my employees know they are valued. Giving customers food with service. Hearing about their day. Sometimes praying with them. If I focus on what brings me joy and passion I have no more Mondays. If I focus on rolling dough, doing books, and making pizza my job gets stale.

“I am convinced that life is 10% what happens to me and 90% of how I react to it. And so it is with you… we are in charge of our Attitudes.” ~Charles Swindoll

These are just two quick things that bring passion and drive back to my day. In the end if this doesn’t help, as an employer I would say please find a new job. This is meant as a coconut on the head as we all need that sometimes. Would you pay yourself the wage you are making for the job you are doing? Sometimes my answer is no. If your answer is no all the time you are not going to feel fulfilled, but rather feel like a leach. No one likes to creep by in life. Stand tall, take charge of your attitude and nothing can hold you back. Choose to have passion!