Budget Coaching

Introduction to Budgeting A budget will ... A budget will not… Myths & Truths Budget Coaching What we do… What you do… Costs Process INTRODUCTION TO BUDGETING God’s Word tells us to learn to be the best possible steward (manager) of all that God places into our care (resources, money, family, time, skills, abilities, etc.). Stewardship principles and applications apply to all of us whether we are young or young at heart, whether we have a little or a lot, whether we owe a little or owe a lot, whether we are male or female, and whether we are single or married. To be the best possible steward, we must learn to get on and stay on a budget. What is a budget? A written plan to help you live within your means. It is not a tool by which a husband can punish his wife (or vice versa). A budget will … Help you see where your money comes from and where it goes. Ignorance might be blissful, but it’s also expensive! Help you communicate. If you are married or single, having a budget is a key to communications and to resolving personal differences and conflicts in your relationships. Help you set and achieve your goals. Give you a written plan to help make financial decisions. Help you take advantage of opportunities. Knowing the condition of, and being in control of your finances helps you recognize and take advantage of opportunities to give, save, spend, or invest. Save you time and money at tax time. A budget will NOT... Solve all your immediate problems. Make you use it. Eliminate all decision-making. Balance by itself. Some myths and truths about budgeting: Myth: Budgeting is painful. Truth: Budgeting is uncomfortable--for a while. Any change is uncomfortable. Change becomes comfortable when it becomes a habit. Budgeting becomes a habit only if you stick with it. Whether or not you stick with it depends on your motivation. If your motivation is to simply get out of debt, please your wife, or fend off the taxman, your budgeting efforts will fail when you face tough financial decisions (i.e., possible life-style changes). If your motivation to budget is to become a better steward (manager) because you know that is what God wants, you will succeed. It might be hard, but if you stick with it, you will succeed. Myth: You only budget if you are in debt. Truth: Budgeting is a stewardship tool for everyone. True, budgeting can help you recover from a crisis. But it is also true that budgeting can lead you to even more organization, control and wealth building if your current financial situation is on the upswing. Myth: Budgeting requires long hours and lots of paperwork. Truth: Budgeting can save your time–good tools are available. You will need to invest some time to learn how to use the tools (paper or computer). But once past this learning curve, bill paying sessions become much less stressful and much more time efficient. Time spent arguing about priorities becomes a thing of the past. All the negative time and energy turns into a positive routine experience. BUDGET COACHING What we do: : Provide you the best most straightforward COACHING and TOOLS at discount prices. What you MUST do: Agree to seek financial freedom God’s way. Agree to work completely through the Budget Coaching Education Package (see below). Agree to seek counsel and personal accountability from your counselor. What's included AND Cost: Is your desire to become a better manager of all that God has placed under your control? If it is, you must get into God’s Word to see, understand and apply what God has to say about financial management. Why? Because financial difficulties are symptoms of spiritual problems. The way to deal with spiritual problems is to prayerfully search out spiritual solutions found in God’s Word. The Bible contains more than 2,350 verses that talk about very practical, specific ways to earn, save, spend, invest and give money. Biblical financial principles apply today if you have a little or a lot, if you are single or married, male or female, or if you are young or young at heart. Your personal Budget Coaching program Education Package from CFM includes three thirty-minute telephone coaching sessions. Your will receive our "Personal Financial and Life Coaching Newsletter" at no additional cost for as long as you wish. Your budgeting program also includes the following materials: The Total Money Make Over Workbook by Dave Ramsey. A simple, straight-forward, extremely practical game plan for completely making over your money habits. The "Your Finances in Perilous Times" E-Book from Christian Financial Ministries. This E-Book will help you discover… How to let God lead you into debt free living, instead of letting your finances lead you into financial bondage! What a Bible-based, debt free living program looks like. That to build and pass on wealth, you must first become debt free. The two critical biblical principles you MUST apply to EVERY financial decision as part of your debt free program. The best Bible-based debt free program learning resources. Practical tools you can use to help navigate your debt free program. One location to receive BOTH the best Bible-based debt free living program learning materials AND the best Bible-based debt free living practical helps. What steps to take today to start to become debt free, instead of making wishful thoughts for tomorrow!  The cost of these materials and the three coaching sessions is $145.00 which includes shipping, handling and sales tax (scholarships are available based on need). The total value of this package is over $200 but it's yours for the discounted price of $145.00. (Scholarships may be available based on need and your gross annual family income). With your Budget Coaching program you receive our 100% satisfaction guarantee!! If you complete all the program requirements and are not satisfied with the results you may ask for and receive a partial or complete refund!!! Process: How do I get more questions answered or start my Budget Coaching Program? Pray--Is this the right time to ask for help to become a better steward (manager)? Please call if you prayerfully believe our Lord would have you enter this budgeting process (678-797-9444 or 1-800-895-0512 between the hours of 10 A.M. and 3 P.M. EST Tuesday, Wednesday or Thursday). You may also e-mail your order or questions to good.steward@good-steward.org. Then, you will need to click this link to complete the Application Package. A Christian Financial Ministries Counselor will process your application and get back in contact with you within two business days (10:00 A.M. to 3:00 P.M. Monday through Thursday, EST). Begin prayerfully working through the materials. When you need help or have a question call CFM to schedule a coaching session. Enjoy--Financial freedom God’s way is a blessing you will cherish.