Archive for the ‘saving’ Category

Change is difficult, change is hard on the nerves, and change is perhaps the single most important incentive to growth. Sometimes the only certain thing in our lives is change. We can encounter that change and cower in fear, we can simply roll with that change (letting it overpower us), or we can use that change to transform us for the better.

When I started this process in early February, I noticed a change in myself.

I had become intellectually lazy (I had almost stopped reading completely), I had become spiritually empty (my prayer life was practically dead), I had become financially lazy (engaged in a cycle of spending beyond our means on non-essential items), and of course I had become near hopelessly fat (my stomach jiggled when I brushed my teeth).

These things hadn’t happened over night. Each occurred gradually, the result of a long string of poor choices and bad decisions.

I took a look at myself that February day and said, “This need stop now.” I haven’t been perfect since then, I have spent money I shouldn’t have, missed bible study dates, and eaten deep fried food and calorie dense snack food. However, for the most part, 95% of how I live my life in all those areas has changed. Why did I do that?

Because I looked ahead and I saw an unwanted change coming. I looked to my financial future and I saw bankruptcy; I looked to my spiritual future and I saw the wide path that led to destruction; I looked to body’s future and saw heart attacks and diabetes. I didn’t like any of what I saw. So the choice was clear, wait for change, or begin the process of change (transformation) myself.

The process has been at times a bumpy road and at times quite difficult, but it has also been rewarding. I would advise anyone else seeking to transform their life that the change is worth it- the chance is worth it.

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This blog is about total transformation- not just transforming my flabby body. Part of any such transformation is cleaning up one’s financial situation. I don’t know where you are with finances, but I know where I am- all too well. Credit card debt has a grip on our budget- taking up about 15% of our monthly pay in payments to about 8 different cards. Right now we are just beginning to get it under control- emphasis on the word beginning.

So for all those in the same situation, check out these excellent resources.

How Much do you Owe?

Debt Roll Down Calculator

And if you want to start planning ahead

Savings Calculator

How Long Until you Reach Your Savings Goal?

I hope these links are as helpful to you as they were to me.

UPDATE: WC suggested a great link.  Check this out.  And since WC gave me the suggestion here is a link to his blog.