Monthly Archives: April 2013

Creating A Budget Will Bring Peace Of Mind And Can Make You Debt-Free

Figuring out a budget is something that too many people have difficulty with and there is definitely no doubt about that. Unfortunately people are just not educated enough about finding debt relief by having the ability to properly manage a well balanced budget. Most think that it is the amout of money you make and not what you do with your money that gets you in debt. Following a strict budget each month is no doubt the best way for everyone to become debt free.

This is something that you should have already started thinking about because knowing how to manage your money properly and being consistent with it, will drastically pay off down the road. You will finally be able to enjoy your life completely, without all of the worries that come along with being totally overloaded with debt.

Your budget will make it possible for you to not only survive every single month, but thrive.  In a short period of time you will have a little bit of extra money each and every month! How great would that be? You know you want it, you know you are exhausted thinking about your debt, so get up off that couch and stop pitying yourself, try fixing your debt problems instead of forgetting about them!

Allow your budget to work for you, no matter what might come up unexpectedly. If you can do this month after month, I do believe that you are just really going to be shocked by the wonderful results. You will have so much more confidence each day just knowing that you can make it on your own, you are a responsible, mature and highly intelligent individual. Learning about managing your money and following a strict budget will pay off handsomely. You will be so proud of yourself!

Most of us do have a great deal in common unfortunately, whenever it comes to spending more money than we can truly afford to spend each month and it is definitely a very serious problem. Creating this life changing budget for yourself can dramatically improve your severe debt issues for good.

Take the time out of your busy and very hectic schedule, sit down, take a deep breath and prepare yourself for this fun and exciting learning experience. You will learn so much about yourself once you have prepared a budget for yourself, to follow each and everyday, that is going to rid you from all your debt. It will definitely be an eye opener for many of you out there that tend to go a little overboard from time to time when you are out shopping around for things.

Debt is your worst enemy. Start today to by not spending money you do not have. Write down every penny you spend. I mean every penny you spend. This is the only way to see exactly where your money is spent and how much you spend. This is not a mental exercise. Write it down. After a month you can make a budget for yourself. 

Then you keep writing down what you spend and you will adjust your budget a 3 months and again at 6 months. Then after a year you can make your final adjustments.

This is not about being a miser or doing without. This is about making educated decisions about your money and becoming debt-free.

My Religion by Dale Wimbrow

Dale Wimbrow also wrote the poem “The Man In The Glass”

My Religion

by Dale Wimbrow

MY CHURCH, AND MY CREED

Now what if I say I have None?
You’ll be wrongly impressed,
And unduly distressed
So wait – I have only begun.
 
My creed in the sense that you mean it,
Has no single symbol, or sign.
Big, impressive, or small,
There is good in them all,
So perhaps Your religion is mine.

My doctrine is any that stands for
The honor and virtue of men.
For whatever we preach,
We’re all striving to reach
A mutual goal in the end.

My church is the one that is nearest
Wherever I happen to be.
The place where men go
Their devotion to show,
Is good – and sufficient for me.

What matters the Name on the mileposts
That stand by the path you have trod?
If the pathway leads UP
Then at last you shall sup
With the infinite army of God.

Give Your Way Out Of Trouble

One of the first ideas that I was taught when I enter this new way of life was “You Have To Give It Away To Keep It.” John made this a requirement for me to do if he was going to help me. To start I reluctantly started to help other people who were newer than myself. What I was to do was only tell  them what I had done to get where I was. If I had not done something I could not tell them anything no matter how much it could help them. He said that if I had not gone through it, even though you had seen it work in another’s life. There would always be some little important thing that you did not know to tell them. This crucial item may kill them.

Today I understand how this could happen. Back then I just did it because I trusted John. It also motivated me to keep moving ahead with my assignments.

One assignment came to me in a phrase that I could not get out of my head. “You have to give it away to keep it”. It was the middle of July and I am sitting in my office. I was sitting there because I had no work. This is bad news for a roofer in the summertime. I am looking at a pile of bills that are backing up. I am thinking this is going to be one year. If I have no work in the good months, what is the winter going to be like.

This is when the thought came to me. “You have to give it away to keep it”. I tried to change the thought, for I understood how it worked in Alcoholics Anonymous. But this was my finances. I had not completely understood “practice these principles in all my affairs” meant. No matter how I tried I could not get rid of the thought. The rest of the day it just kept coming back. The next day I am back at my desk. Overwhelmed, the thought comes back. “You have to give it away to keep it”. I tell God that I understand that to stay sober I need to do that. But this is my money. Then God repeated “You have to give it away to keep it”. I fought this hard for a couple of days. Always explaining to God how he needed to give me something that would help me pay my bills. God just kept saying “You have to give it away to keep it”. It was driving me nuts. God told me “you have a $100 in your pocket”. Finally I said “Okay! I will get rid of this money. Then you can tell me what to do to get some work”.

I went to the gas station and filled up my gas tank. I had $60 left. That was deposited in the bank. Back in my office I write out 2 checks. I to Catholic Charity’s and the other to the Allentown Rescue Mission. I had learned enough about my self to know that I needed to take them to a drop box that once the envelope was inside it was done. Because if I put it in my mailbox, I would talk myself out of doing something so foolish. I drove to a mailbox dropped it in. My heart dropped as the enveloped dropped in the mailbox.

I drove back to my office explaining to God how I had given away all my money. Now let’s get on with my real issue of paying my bills. God is saying nothing to me. No sooner I sit in my chair the phone rings. A gentleman tells me he has some work and wants to know if I have time to do it. He told me what he needed done. I said “sure, I will come out and give you a price”. He said “I know what I am going to pay you. I just need to know if you will do the work”. My thought was that is not how it is done. He then told me what he was going to pay me. I said “sure”. For it was way more than I would have told him. I told him I needed to do a few things and would call him back when I could start.

I had a concrete job which I was capable of doing. I just needed to find some help. I was feeling good. I was going to go home for the day. I look my office door. Turn to walk down the steps to my truck. My friend Dan pulls up in his company’s work truck with his helper. Dan said “we just got laid off. My boss told me to take the truck and all the concrete tools with him. If he found any side work he was welcome to use the truck and the tools to do the work”. His boss did not want Dan looking for another job. I told Dan I just got a concrete job to do.

Here it was not even an hour since I dropped the money in the mailbox and I had work and the means to do the work. God worked fast. 

It is now September and I am checking the mail. I open up my bills. All my bills have a negative balance. I did not know you could do that. I was 40 years old and barely paid bills on time yet alone ahead. You need to know how I paid my bills at that time. When a bill came I opened it up looked at it and put it on top of the stack of other bills that were not paid. We finished the concrete job. I deposited the money and paid my bills till there was no money. The work just kept coming in. I kept Dan and his helper busy. When a job was done, I would deposit the check and pay bills. I never realized that I was paying bills 2 or 3 times. I just took the next bill off the stack and paid it. Since I had not paid a bill in a couple of months there were multiple bills in the stack.

You can sow your way out of any trouble that you are in. Whatever you have that can be useful to someone else give it to them. If you have time give it. You reap what you sow. So start sowing into your future. God will give you a harvest that you will have way more than you need. Just do not make the mistake of telling God that you do not want anything in return for what you are giving. Because then he can not repay you for what you are doing to help his other kids.

 

Todd Weaver Interviewed Lefty On “Growing Up On Webe Radio”

Todd Weaver interviewed me on his debut radio show. We talk about disiplining your thinking. I talk about Emmet Fox’s “7 Day Mental Diet” and “The Way Of The Pilgram”. These are two of the books that helped me get control of my thoughts which means I got control of my life.

Listen to internet radio with WEBE Radio on Blog Talk Radio

Vic Johnson Interviewed by Todd Weaver

Vic Johnson was interviewed on Todd Weavers blogtalk radio show, “Growing Up On WeBe Radio”. Take the time to listen to the interview. There is a lot of information you can use to change the direction of your life.

Listen to internet radio with WEBE Radio on Blog Talk Radio

The Cat Chases It’s Tail

I heard this story last night. Really makes you look at how we approach life.

There was this kitten chasing its tail. An old alley cat comes along and asks the kitten what it is doing. The kitten says “I have just been to cat university and in psychology class we learned that the most important thing in life is love and that love is in our tails. I figured I will catch my tail. Then I will hold on to it and always have love.” The alley cat said “I have not had the same opportunities that you have had. I grew up in this alley and never had any money to go to school. I found out the same thing. That love is in our tails. The other thing I found out is if I go about my daily business doing what I am supposed to do, that my tail follows me wherever I go.

If I try to make someone love me or chase love it will alude me or remain just outside my reach. But like Saint Francis says in his famous prayer, “instead of trying to get love, let me give love. God let me be a channel of your love”.

When I go about my day business, giving love out freely, no strings attached, I am not going in circles trying to hold on to a love. I am filled with love, that I can not lose.