Your Seven Day Plan to Achieve that New Year’s Resolution (Day 6)

Welcome back to the penultimate of this series of blogs!

We’ve nearly at the end –  so well done for not giving up! Remember: Therefore we also, since we are surrounded by so great a cloud of witnesses, let us lay aside every weight, and the sin which so easily ensnares us, and let us run with endurance the race that is set before us. Hebrews 12:1 (NKJV)

(We will resume our regular weekly posts in a two days after this series of blogs ends, but for now we are focussing on tips to help our 2014 financial goals)

By completing this seven day series of activities, one day at a time, you are already that many steps closer towards your financial goals for 2014. And as you continue to progress you become one of the group of 8% in the population that achieve New Year’s Resolutions and go on to master their goals!

Before we look at the tip today, can you honestly answer ‘YES’ to these questions?


Question 1: Did you read the earlier Days?  If not take a moment to read those you have skipped – just click the link for the Day:

Day 1 – the one about developing your Spending Plan
Day 2 – the one about Reducing your Debts
Day 3 – the one about Increasing your Savings
Day 4 – the one about gaining more Financial Knowledge
Day 5 – the one about checking your Credit Report/ Rating

Question 2: Did you order or at least look online at the companies that can supply your credit report?  Making this part of your financial knowledge this year will help your understanding.  You still have a few hours today to make this happen if you haven’t yet done so…but make sure you take action in the next 24 hours!

Question 3: As part of your morning devotional study and reflections today, did you thank God for the opportunities being brought your way, and commit  to  achieving the activities planned for this day to move closer toward your goals? Remember: But let him ask in faith, never wavering; for he that wavereth is like a wave of the sea, driven and tossed by the wind. James 1:6 (NKJV)

So, if you’ve not yet done so, just pause for a moment now to do this… and then read again to refresh your mind about at least three activities you will do this week to move your goals closer to become a reality.

OK, now let’s move on to the tip for Day 6!

Tip No 6: Make SURE EVERYONE is  ‘on board’ 

For you to make good financial progress it is important that everyone able to affect your progress is aware of, understands, and can commit to what it will take to make your goals a reality.

But achieving  your financial goals is well nigh impossible if you are battling less positive financial behaviour within your own family or circle of friends.  When you face resistance you have a tug-of-war as your family or friends fear they may lose out as a result of your financial decisions. And they may inadvertently do things that end up working against you.

First, be clear about why you are doing this:  Remember, your goals should be SMARTER (Specific, Measurable, Achievable, Realistic, Time bound, Ethical and Responsible) or it may be that the resistance you face is quite valid!

If this is your first time you may want to first share with your family the information in Days 1 – 5 so they understand how this fits into your goal.

Next, make a commitment to having the chat, pick a good time and stick to the time – if you said it will be for an hour, keep your promise.  If you need to talk further or if you need to gather financial information together, agree and set aside space for another time – don’t drag out this first meeting.

Decide and agree on exactly what it is you would like to achieve from the discussion and work towards these points in the meeting.

OK, so you faced a few snags?

Try to identify what the root causes are for any resistance you are facing. Some problems you might encounter may include:

We’ve no time to have this sort of chat.. everyone is really busy  – this is not an excuse to hold on to.  People who became billionaires or paupers all had the same number of hours in the day – they just used them differently. Choosing how you want to use your time in these early days of your financial journey should be  important enough for you to put aside the time to make this happen.

I find it impossible to get through to him/ her about this –  It is possible that you are dealing with an ‘impossible person’ and that no matter what you try, it is difficult to talk about money with them.  See our blog about handling this type or detracting influence.

Talking about money causes a fight – I’d rather avoid this…With most of the arguments and causes for divorce caused by money (this finding is also supported by our poll!) this is not unique to your relationship.  Making your financial goals a joint project that includes the whole family is one way to engage everyone on the same path.

We don’t share, we keep our money details separate… this can result one day getting a nasty surprise if either of you has no control over your spending or rapidly escalating debts.  It is always best to get any of those sorts of hidden problems out in the open sooner rather than later so that you can sort them out early – together.

If you find yourself feeling under attack, don’t go on the defensive and avoid coming off as negative: Statements that start with “You always…” or “You never…” are put downs and not the best basis to try to build consensus for moving your financial goals forward!

Attend one of the FREE Access the Power (ATP)  “SMARTER Finance” Seminars to continue to support you on your financial journey – These are all bible-based seminars and are delivered in your local church. As part of the Stewardship of our knowledge, member’s have supported other church groups by running these seminars annually since 2004.

The first quarter, from January to March, is used for workshops and practical support sessions for members new to the programmes. From April to December we then run the weekend, or one-day church based seminars.

A number of local church groups in England already this session for basic financial literacy as a Stewardship Day whilst others use the weekend workshops or one-day seminar services for both the church and local community outreach.  If your church has never participated or held one of these sessions, show this blog to your Stewardship Co-ordinator and they can arrange a session for your church group within your Stewardship Day programme this year.

“SMARTER Finance”  sessions are open to all participating church members in any Seventh-day Adventist church group in the UK.   For more information or to arrange a programme at your local church click here – (this will take you to the feedback form on this blog)

Hopefully the information covered so far has been is useful – but please suggest any other areas you would like to see more about and we’ll post a blog about it.

Tomorrow, we will look at the final tip to help you with your financial goals.  As always, share how you are getting on with these, any questions or comments you have.

Until then….onwards and upwards!


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