Making Things Happen! Conference Recap

Nancy and I were privileged again to speak at the Making Things Happen! Conference in March.  This is a semi-annual highlight for us, as we enjoy getting to share our story and our hearts on winning with money!

Nancy is a main conference speaker, and we share the responsibility of leading a small group.  I get my turn on day two, when I get to share some keys for winning with money in a small business setting, some personal tips, and really try to help people realize that how they handle their money affects their ability to “make things happen” in their lives.

This year, a recurring theme that kept popping up in a few different contexts was contentment.  At the end of day two, I did some […]

By |May 4th, 2015|Money|0 Comments

Dave Ramsey’s EveryDollar Review

Dave Ramsey’s team made a big splash into the financial software market last month, joining the likes of Mint.com, You Need A Budget, and Quicken to offer their own personal finance software.

Meet EveryDollar, primarily a budgeting tool with a module to help you track your progress through Dave Ramsey’s baby steps.  Nancy and I have used it for the last two budgets that we’ve created.  Like any software, it’s got a learning curve, but I’ve found it to be fairly intuitive.

The name, EveryDollar, comes from Dave Ramsey’s instruction on how to create a budget.  He regularly says, “When creating a budget, you’ve got to give every dollar a name, on paper, on purpose, before the month begins.”

This part is vital to having success with budgeting.  If plan your […]

By |April 30th, 2015|Money|7 Comments

Tuesday Tips for Your Money [029]

–  There are over 8000 mutual funds in existence!  How do you find one that’s good for you?  When looking for mutual funds, look for funds with long, solid track records.  I don’t care what they did in the last 1-, 3-, or 5- years, because I’m not investing for the next 1-, 3- or 5-year periods!  I’m investing for the next 30, 40, 50 years!

– Any old crap mutual fund could have done well in the late 90’s, the mid-2000’s, or from 2011-present.  I don’t care about that, I want to know what their average annual return has been since the fund’s inception, which should have been a long time ago!  I don’t invest in funds that are less than 10 years old.  The […]

By |April 28th, 2015|Money|0 Comments

Fall Speaking Engagements

Just because we’re having a baby doesn’t mean that we’re gonna slow down!  Okay, it will mean that we will slow down for a few weeks (for me) or months (for Nancy), but this fall, Nancy and I will be kicking it back up and hitting the road with Baby Ray for some awesome opportunities.

For a long time now, we’ve said we didn’t want to let having a family keep us from traveling, but we wanted to get used to traveling with little ones.  So, God willing, we will!  Come out and see us if you’re going to be one of these places!
The Influence Conference – September 17-19, Indianapolis, IN
Nancy will be leading a “Revival” segment this year focused on work, and I’m excited to get to […]

By |April 27th, 2015|Money|1 Comment

Stewardship in the Scriptures [05]: Jesus

Today we’re going to wrap up this series about examples of good stewards in the Bible.  If you missed my initial post, this series came about as I pondered to myself the question, “What examples of good stewardship do we see in the Bible?”

So I sought out examples throughout Scripture and created a short list (certainly not exhaustive) and shared some of the stories here.  You can see some of the other posts below:

– The Good and Faithful Servant
– Jacob
– Joseph
– David

Today we’ll focus on the centerpiece of Scripture, Jesus.

Not  long ago I was reading John 17, a prayer of Jesus before the Crucifixion, and these words jumped out to me like they never had before:
I brought glory to you here on earth by completing […]

By |April 24th, 2015|Faith, Money|0 Comments

Tuesday Tips for Your Money [028]

– You can gain some quick momentum by selling things, and spring is a perfect time to de-clutter and get rid of that stuff you’re not going to use.  Doing a yard sale can net you a few hundred dollars to throw on your smallest debt, or get a jump on an emergency fund.

– See if your neighborhood or area has a “yard sale” Facebook group.  Our neighborhood has one, expressly for buying and selling used stuff within the neighborhood for safety and convenience, any time of year!  If your neighborhood doesn’t have one, start one yourself!  You can give yourself and your neighbors a chance to make some money selling stuff they don’t need or getting great deals on stuff they do!

– Some ideas for things […]

By |April 21st, 2015|Money|0 Comments

Living Like No One Else: Babymoon

A little over a month ago, Nancy and I had the privilege of traveling to California for a week ahead of Baby Ray’s arrival next month for a special “babymoon” trip for just the two of us.

We knew all along that we wanted to take a trip, but it took us a very long time to settle on a spot to visit.  Decisiveness is not one of our collective strengths.  We considered multiple locations in the Western US, and we also gave serious consideration to both Spain and Italy, before deciding with finality in late January to go to California at the beginning of March.

Our biggest mistake on most trips is to try to do too much, then we come home feeling exhausted; so we vowed […]

By |April 20th, 2015|Life, Money|2 Comments

Why We “Buy and Hold”

As soon as you are out of debt and have an emergency fund to cover life’s unexpected twists and turns, it’s vital to jump on it and start investing!

Most people get so caught up in worrying about the market, volatility, specific companies, and security versus risk, they don’t recognize the most important factor for successful equity (stock market) investing.  What’s most important, more than all of these?

Your behavior.

That’s right, investor behavior, more than market conditions or specific companies financial performance, is the most important factor for successful investing!  Your willingness to invest, and keep investing, is key to being able to gain a significant return.

I am a firm believer in the “buy and hold” investment strategy.  We need to “buy” – collect equity investments (ownership of companies) […]

By |April 16th, 2015|Money|0 Comments

Tuesday Tips for Your Money [027]

– I love utilizing cash for the variable, discretionary categories of your monthly budget.  Using cash helps you spend less and helps you keep better track of where you are with your budget.  A cash envelope gives you immediate feedback about how much you’ve spent and what you have left to spend.

– When starting a cash envelope system for basic purchases, start with just a few budget items using cash: food, entertainment, and blow money or spending money.  If you start with a binder full of cash envelopes, you’re gonna lose your mind and hate it.  Start out small and grow from there.

– Set reasonable amounts that you can actually stick to, but that are going to help you move toward the financial goals you’ve set. […]

By |April 14th, 2015|Money|1 Comment

How to Start Selling Your Stuff in Less Than 15 Minutes

I talk with a lot of entrepreneurs and creatives that have really good ideas.  But sometimes, they don’t know how to get those products or services out to the people that could use them, or how to quickly and easily start selling those things online.

I’ll be the first to tell you: there’s a lot of options out there.  I know people who use Shopify, WooCommerce, Etsy, and several others.  I’ve become big fan of Square, the credit card processor famous for the tiny “Square reader” that you can use on your phone.  Any of these will work and they all have different strengths and weaknesses.

I like Square for two reasons: 1) It’s really easy to set up, and 2) It has a simple fee structure of 2.75%. […]

By |April 13th, 2015|Money|0 Comments