Recently, a co-worker shared something that enlightened me. They always used a financial counselor to advise them on various decisions that they needed to make regarding their finances and investments. However, they didn’t seem to be satisfied with the outcome of their investments.
They shared with me that, after talking in detail with their spouse, they decided to learn more about investments and the stock market. They signed up for classes and realized they could actually manage their own financial portfolio. They took charge of their investments and began to see a positive turnaround within the first few months of releasing their financial counselor.
They seemed confident about what they had learned and we’re looking forward to managing their financial portfolio in the months and years to come.
The biggest fear that many people have, is the fear of not knowing what you don’t know. That sounds odd but it is true. What you do not know about your finances, or financial health, may seem scary to some to the point of denying its existence or choosing to deal with it when things get really tough.
God desires for us to have balance in everything we do. Having the confidence to handle your finances is a commitment you have to make to yourself. Hosea 4:6 states “My people are destroyed for a lack of knowledge” KJV.
If people are bold enough to admit they do not know, they take the time to educate themselves in the areas that matter to them. So, why not us, children of the faith?
There are so many resources on finances. The question you need to ask yourself is, “What is my area of struggle when dealing with money?”
Is it a saving problem? Most likely you have not established boundaries and self-control, and you may need to set up a budget to stick to it.
Do you have unrealistic goals and expectations that leave you disheartened each month when you review your finances?Set goals for yourself that will boost your confidence because you are able to achieve them. This will result in becoming a better steward of your money because you have established a level of faith in yourself that you are capable of meeting goals when you set them.
Are you drowning in debt? Find out the exact amount that you owe so that you can establish a precise plan of tackling it.
When it comes to money, you have to be bold and face the issues head on. If you are tremendously blessed financially and have no issues with money, find ways to educate others to live in that liberty that you have been blessed to experience.
I learned a great lesson from that co-worker. What you don’t know, you can learn, and what you learn can enlighten you to make better and sound decisions that can position you financially to be in a stable place.
Are you ready to face what you don’t know about your finances? Start today. Learn something. It could serve as the trigger of change to a great financial future for you in the years to come.
Purpose is a word that is on the minds of many millennials, however, for many it seems to be that piece of the puzzle that is hidden; That needle in the haystack that you are searching for.
The frustration of figuring out what one is supposed to do is what seems to open a door to the spirit of heaviness that plagues so many of us. We may wonder, “Why did I go to college? What now?” You may be working a job and wondering where the end will be.
Could it be that you are looking at purpose from a different perspective? If we are to model Jesus Christ, He was first a carpenter before He revealed Himself as a Savior. Carpentry involves accuracy, commitment and focus. Think about it, you cannot build half a chair or half a table. The everyday, ordinary commitments that Jesus had to do, prepared Him for His greatest purpose on earth, the Cross.
Instead of complaining about your job, master the skills that your job allows you to learn. Be the expert at everything you do. Instead of wondering about tomorrow, maximize the 24 hours given today and commit yourself to excellence.
I view excellence like a garment worn each day to let purpose know you showed up ready to live and maximize your potential that day. The worst mistake you can make is to be a replica of someone already existing. Wasting time copying what is already there is robbing yourself of the opportunity of discovering what God the Creator had in mind when He formed you in your mother’s womb. Be inspired by what is around you, but allow yourself room to be an inspiration to others.
One of my favorite scriptures is Ecclesiastes 11:4 (Living Bible Version) “If you wait for perfect conditions, you will never get anything done.”
Instead of wondering what your purpose is, you can:
Become a student of your own life
Study what motivates you and inspires you to want to make a difference
Pray and believe God. However, as you pray, research your passions, and educate yourself. You may be pleasantly surprised that what you have been searching for, has always lied within you.
Prayer for the journey to purpose:
Dear God, as I begin this month of March, teach me to be present, to be aware of what is going on around me, to pause, and be grateful for all the wonderful things You have done for me. I release the fear of missing my purpose and destiny. I put You first and ask You to help me. I want to live a life of purpose, to glorify You. I will honor You and share with others how You have blessed me. So Lord, I exhale and release myself to you. I am ready for this journey. I am ready to take a risk of trusting You…Thank You Lord for hearing this prayer. Amen.
I am firm believer that we serve a just God. His love for us extends far beyond what we could ever imagine, and as a result of His grace, we are blessed with gifts and the opportunity to reach our full potential regardless of who we are and where we come from.
Proverbs 18:16 tells us, “A man’s gift maketh room for him, and bringeth him before great men.”
I am intrigued by words. According to the Webster dictionary, the word “room” means “an extent of space occupied by or sufficient or available for something.” If a gift is capable of making room for you, that means it has the capacity to provide or provoke exactly what is needed in order to reach our full potential in a variety of areas, including career, family, and finances.
I am very blessed to have people with radical faith in my life. They have stepped out on faith and utilized the gifts that God has given them and are now living very successful lives.
I know single parents that were blessed with gifts in the hair, makeup and fashion industries. They invested in that gift and are now able to support their lives and live out their dreams, because that gift has created financial success.
I know others with a gift of music. They have never gone to music school or received formal training but they will give graduates of The Juilliard School a run for their money when they sing a note or play an instrument because their musical gift is a gift from God.
I, too, have a testimony of what God will do if you utilize the gifts He has given you. Sixteen years ago, God told me that He gave me a gift to write, and He wanted me to write because that was His desire for my life. I took that revelation and never looked back. Then, one day God surprised me with an opportunity to write for Urban Faith and share my gift with the world. It is a great honor to do so and I am grateful and honor Him for this opportunity.
But, how do you know if what you possess is a gift that God has given you? And, furthermore, how do you activate your gift to make room for you? Very simple. It is not limited to the listed points below, but they are a great start:
God will always show you ideas and gifts inside of you that are way bigger than you. They are often bigger than what you could have ever dreamed of or expected, and that is great because it means you will need Him to bring them to pass. All you have to do is trust and believe God and what He has for you.
Plan and execute
Planning involves writing the vision and execution involves the how-to. You cannot wake up and expect your gift to magically make room for you. You need a plan. Do your research and find out who has been successful in utilizing the same gifts you have. Then, exercise patience and pray when planning and executing, because your timing is not God’s timing. Seek Him first and He will lead you.
Be willing to learn and be taught
Having a great idea and executing it is great, but to manage success and stability when your gift makes provision for you, you have to have a mindset of learning. Be open to seeking counsel, asking those who are skilled and successful in the area your gifts lie, and listening to their advice. People have sabotaged success and major breakthroughs because they were not willing to listen. Successful people listen.
Be your greatest cheerleader
If you wait for others to believe in you more than you believe in yourself, you will be waiting for a long time. Insecurity is a road block to success. If you do not believe you have a gift, then you will go on with life and never take a real chance on yourself. If you struggle with fear, I challenge you to ask yourself, “What is the worst that could happen if I really gave myself a chance?”
It’s time to look within, step out in faith, and let your gift make room for you. You only live once. What is there to lose?
A lot of people have heard of the phrase “it takes a village to raise a child”. I was thinking the other day, the reason why people have a sense of belonging for a community or a city or an estate is because of the people who live there. The experiences and support they bring to that environment promotes a positive culture that draws everyone who lives there to feel as though they belong. They become protective and nurturing of their “village”.
That is the same way we should think about our finances. You do not get to financial stability and freedom by guesswork, feelings or emotions. It is an act of intentional commitment, discipline, education and accountability and it will involve you, and those you are willing to listen to.
I am a firm believer that money is a magnifying tool that reveals the intent and the character of your soul. Who you really are will always be revealed in the abundance of money or lack of it in your life. I have been around people who seemed humble and kind when they did not have money, until they reached a place of financial prosperity. All of a sudden, a sense of being rude and dismissive becomes appealing as though it is supposed to be fashionable. Pride becomes a regular smoothie partaken to make sure that you prove to everyone you made it.
On the other hand, having a lack of money can bring out the insecurities, fear, withdrawal and lack of confidence of embracing true purpose. I have also seen people sabotage great relationships, their integrity and character, because the struggle of not having enough turned them to desperation. They ended up doing things they wished they had not, or going back into situations they should not have, to get back to that place of financial comfort.
The reality is, having financial stability is a great feeling. Waking up each day with the amazing peace that you can pay every bill or anything you owe and have so much left over is a wonderful blessing to experience. However, the biggest mistake we make including myself is, camping in that place of wishing that could happen if we are not yet walking in that reality.
To embark on a journey to success regarding your finances, it has to begin with your outlook. What do you think of yourself regarding money? Proverbs 23:7 KJV states “As he thinketh in his heart, so is he”. Your outward behavior and reaction including your relationship with money is a direct reflection of how you think about yourself.
To create an outlook that will push you and motivate you to a healthy relationship with your finances, including being vulnerable and honest with yourself, as to why you push yourself each day to financial success, practice the “4 C’s to a positive outlook on money” as given to me by Holy Spirit”:
Be willing to face yourself and examine the true motives of your heart. How do you view money? Is it dreadful? Are you stressed out every time its payday or do you have a heart of gratitude for Gods provision? Are you courageous to admit that a lack of money has created a void that you need God to fill? Are you willing to admit that you have used money to attain a status that will make people like you? You have to be courageous to face yourself on your outlook of money.
You have to commit to change. Denial is not a choice. It is an invisible wall that you create in the circumference of your mind to convince you to cope with the assumption that everything is okay when it is not. Commit to have a positive outlook regarding money. This will give you a fresh perspective of the root cause of your behavior and relationship to money. If money is a tool that motivates you to live a purposeful life, it will be revealed and you will be encouraged to continue working hard. If it is not, you can pause and find out why and adjust your outlook to route you in the right path.
Confidence is very connected with faith. God always tells you to believe the opposite of what you feel or see. Sometimes at your worst, when you are experiencing lack, God encourages you that “He is your Shepherd and you shall not want” Psalms 23: 1.
As a child of faith, you have to remember that God orchestrates each of our steps and as we live yielded to Him, He will guide us to wisdom, knowledge, education that will equip us to great stewardship. However, we have to first be confident in Him. I am learning that daily, God never gets tired of empowering us with confidence. Seek Him, ask Him, He is right there, and He is willing to release to you the measure of confidence you need to handle the financial obligations at hand.
Consistency is what icing is to a cake, what syrup is to a pancake, what salt is to soup. Have you ever had soup with no salt? There is no taste to it. But you add a bit of salt and the flavors seem to be awakened as you drink it. It is the secret ingredient that so many of us miss. We start, but don’t finish. We set the budget, but don’t follow it. We open the savings account, but never deposit any money in it. I look at consistency as pacing yourself to savor the sweetness of life.
I love drinking tea. I specifically enjoy a nice cup of Kenyan brewed tea. It takes a special skill to brew a really good cup of Kenyan tea. To add up the flavors and make sure the taste of it is not bitter. The key is time. I consider myself a “master” at making tea especially for a large group of people but, it took me years and years of making tea everyday to learn. I could make tea in my sleep. Was it exciting? No! In fact, sometimes I dreaded it. But, when I see people close their eyes and smell the tea as they drink it with a smile and savor the taste, it brings me great joy!
It is the same way with consistency. You are not going to have butterflies and feel a sense of excitement truth be told you may get bored, not want to do it, dread it, but that is when you should do it. Be consistent in your commitment to be courageously confident about your outlook on money and watch how open you will be to learning how to be a wise steward of what God has blessed you with.
We have been privileged to live in a generation that has mastered the art of multitasking, being able to do multiple things at the same time and excelling. You really have to, otherwise, life will pass you by.
Sometimes the news changes so fast that if you wait too long, you are outdated. Have you ever been in a situation where you did not check your phone all day, and by the time you turned it on, it seemed as though you were on a different planet because so much had happened? That is the gift of living in a world of possibilities. Everything is possible and anything can happen. The sky is the limit.
Limitation presents itself in a very cunning way in our lives. For some, it begins at a young age through criticism from a parent or guardian, a teacher or peers that begin to conform your mind to think a certain way.
Or, it could be the environment that you are first exposed to. Unfortunately, depending on the zip code that you reside in, it can determine the kind of privileges that are afforded to you.
Limitation can enter your life through rejection, a lack of acceptance, where you never fit in and regardless of how kind you try to be, or all the things you try to do, you just never measure up. Therefore, you feel limited, constrained, suffocated and blocked.
Limitation could be geographical. The opportunities that could bring a breakthrough in your life may not be at the proximity of where you are currently located. Moving out of that geographical region would be coming out of that box of limitation and pursuing something that could change your life.
The mistakes that we make are stepping into these boxes of limitation that are presented to us daily in our lives and getting comfortable. We take our pity party pillow, and our “poor old me” throws, find a nice corner to hibernate, and hope that Jesus will come down and rescue us from our misery.
I love the Bible because it is a wonderful and precious book filled with verbs. God is all about movement, action, and purpose.
In the book of Genesis, our first encounter with God, is His interaction with an earth that was void and filled with darkness. That did not intimidate Him or make Him cower back. Instead, His Spirit “moved” upon the face of the waters.
2 And the earth was without form, and void; and darkness was upon the face of the deep. And the Spirit of God moved upon the face of the waters.
Your life may be filled with void and darkness, but guess what God wants you to do? MOVE!
I created an acronym for the word MOVE to push me during those times that I sense limitation is looming over me, trying to push me down a dungeon of hopelessness.
Sometimes you have to look at life as a classroom that you show up to master and excel in every lesson presented. By the time we get to verse 31 in Genesis 1, God had taken the earth that was void and made it to be very good. You have to take your void situation, be motivated by purpose and create the environment that makes it very good.
31 And God saw everything that He had made, and, behold, it was very good. And the evening and the morning were the sixth day.
Instead of throwing a glamorous pity party and sending out beautiful invitations to host limitation in your life, I suggest:
1. Returning the limitation box back to the sender
Just the way you return mail that is not yours, you do not have to receive projections of limitations that are said to you, thrown at you, or even perceived by you from others. You have the power to control what you receive. Learn how to reject that which will limit your progress. Let it “talk to the hand!”
2. Follow God’s role model
The first thing that God did was move. He was not concerned about how things looked, He got busy creating. He got busy with purpose. Instead of complaining about what is wrong and how unfair life may be (which may be true), get busy moving into purpose and finding out why you are here. Passivity is a hobby that many take up, waiting for a change that may never come. You are the agent that triggers the change you are praying for.
3. Believe in yourself
There comes a point of decision and reckoning that you are unique. You have to begin investing in self-affirmation ministry to yourself and build up the confidence muscles that may be feeble in you. You may have to cry sometimes and that is okay, but after crying let there be purpose in your tears. The greatest gift that you can give yourself is to refuse to be limited and live a life that is open to receive all that God has for you.
Help me with the daily struggle of limitation that overwhelms me. If I have limited myself and allowed sabotage in my life, or refuse to step on the platforms that You bring to me, forgive me. I give myself permission to succeed. I look to You for confidence, and I receive the boldness to walk into purpose and the liberty of being myself. That is a gift, a precious gift that I ask You to help me guard. The gift of being me. Thank You God for making me, me.