Live. Save. Spend. Repeat.

Kim Anderson

Description

Are You Tired of Coming Up Short? Do you feel stuck in a cycle of work, bills, and worry? Maybe you're too nervous to take a hard look at your budget, or your past budgeting efforts have resulted in little success. Either way, when your bank account flatlines and frustration mounts, real progress seems impossible. There is a better way to reach your goals! In Live. Save. Spend. Repeat. you will discover a simple-to-implement plan that will help you wisely use your money to break the cycle of financial mistakes and worry. Your confidence will grow as you learn how to create a realistic easy-sync budget accomplish the most with the money you have rather than wish you had unshackle yourself form the burden of debt spend without regret on the things that matter most to you make small, intentional choices that lead to big change Financial freedom isn't all about sacrifice. Use your money as a tool to reach your goals and finally experience joy and success as you Live. Save. Spend. Repeat.

Sujets

• Personal finance

Informations

• Publié par: Harvest House Publishers
• Date de parution: 03 octobre 2017
• Nombre de lectures: 0
• EAN13: 9780736970891
• Langue: English

Extrait

Endorsement
I loved this book! The perfect combination of actionable advice and real-life examples-Kim Anderson balances needed tough love with heartfelt encouragement. A practical guide to finances that you ll actually use, Live. Save. Spend. Repeat . is the money manual every smart mom needs!
- Ruth Soukup, New York Times bestselling author of Living Well, Spending Less and Unstuffed
HARVEST HOUSE PUBLISHERS
EUGENE, OREGON
Unless otherwise indicated, all Scripture quotations are taken from the Holy Bible, New International Version , NIV . Copyright 1973, 1978, 1984, 2011 by Biblica, Inc. Used by permission. All rights reserved worldwide.
Verses marked AMP are taken from the Amplified Bible, copyright 2015 by The Lockman Foundation. Used by permission. ( www.Lockman.org )
Cover by Design by Julia
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Published in association with The Blythe Daniel Agency, Inc., P.O. Box 64197, Colorado Springs, CO 80962-4197, www.theblythedanielagency.com .
LIVE. SAVE. SPEND. REPEAT.
Copyright 2017 Kim Anderson
Published by Harvest House Publishers
Eugene, Oregon 97402
www.harvesthousepublishers.com
ISBN 978-0-7369-7088-4 (pbk.)
ISBN 978-0-7369-7089-1 (eBook)
Library of Congress Cataloging-in-Publication Data
Names: Anderson, Kim, 1965- author.
Title: Live save spend repeat / Kim Anderson.
Description: Eugene Oregon: Harvest House Publishers, [2017] | Includes bibliographical references. | Description based on print version record and CIP data provided by publisher; resource not viewed.
Identifiers: LCCN 2017014014 (print) | LCCN 2017032273 (ebook) | ISBN 9780736970891 (ebook) | ISBN 9780736970884 (pbk.)
Subjects: LCSH: Finance, Personal. | Saving and investment.
Classification: LCC HG179 (ebook) | LCC HG179 .A559725 2017 (print) | DDC 332.024-dc23
LC record available at https://lccn.loc.gov/2017014014
All rights reserved. No part of this electronic publication may be reproduced, stored in a retrieval system, distributed, or transmitted in any form or by any means-electronic, mechanical, digital, photocopy, recording, or any other-without the prior written permission of the publisher. The authorized purchaser has been granted a nontransferable, nonexclusive, and noncommercial right to access and view this electronic publication, and purchaser agrees to do so only in accordance with the terms of use under which it was purchased or transmitted. Participation in or encouragement of piracy of copyrighted materials in violation of author s and publisher s rights is strictly prohibited.
Dedication
For my best friend and awesome husband, Cressel.
Thank you that you never stop dreaming with me.
This book exists because you tagged in to keep life going while I pursued one of my biggest life aspirations.
TEAM ANDERSON
Contents
Endorsement
Dedication
Part One-Live
1. Start Right Where You Are
2. Your Financial Picture
3. Creating Your Easy Sync Budget
Part Two-Save
4. Planning, Patience, and Persistence
5. Momentum Milestone Success Factors
6. Creating Your Momentum Milestones
7. Figuring Out What Keeps You Going
8. Doing the Most with the Money You Have
Part Three-Spend
9. Spending Without Regret
10. Momentum Boosters
11. Six Speed Bumps That Can Slow You Down
12. Creating Momentum Without Spending a Dime
Appendices
Live, Save, Spend, Repeat for Singles
Momentum Milestones Workbook
Notes
Acknowledgments
About the Author
Part One
LIVE
Start Right Where You Are
It doesn t matter where you re coming from; all that matters is where you are going.
B RIAN T RACY 1
L ike most Americans, I enjoyed 0% interest, several credit cards (including cards from each of my favorite department stores), and the convenience of borrowing money to keep my life on track. In fact, one Gallup Poll found that 48% of Americans report carrying credit card debt. 2 And much of this is household debt, created because we feel as though we don t have enough money to cover our basic living expenses. 3
That feeling of never having enough is a drain on our minds, our marriages, our jobs, and our emotions. It makes us resent our circumstances and resent our employers, and it steals all the joy from our everyday lives. We feel we will never get ahead. As women it can be a burden that we may not always focus on, but we always feel.
Beyond not feeling we have enough, some of us feel the strain of having enough but desiring even more. It s a constant battle for more . But for more of what? Larger homes? Trendy throw pillows? Designer shoes or handbags? Nicer cars? More family vacations? What are we battling for-and is it really worth it?
Daily living becomes an endless repeating cycle of work, spend, and worry. We simply don t have the time, confidence, or energy to figure out what is happening with our finances. The work, spend, worry life is not all there is, my friend. That life keeps you stuck and leads to regret. It s sort of like a tire that gets caught in the mud. Once you are there, the more you spin the tire, the more you sink, and the more frustrated you become. However, we are about to intentionally change that repeating cycle to one of living, saving, and spending that adds momentum to your life. Where just a little financial confidence gives you the energy, focus, and drive to drastically change the course of your future. Your life can become like a tire on a downhill slope, where practically nothing can stop you from getting what you want out of life!
As we begin this journey together, I want you to know that the feelings of stress and frustration don t have to last forever. In fact, if you ll stick with me, do some inner searching, and make a few strategic and deliberate changes, you might just start finding more joy in your everyday life. Starting today, right where you are, you can move past a life that feels half empty and begin to lead a life that feels fuller. You can escape the Siren s song that draws you to want more and find life and happiness in what you already have while pursuing the good life you long for. You can learn to confidently live, save, spend, and repeat rather than work, spend, worry, and repeat.
Before we dive in, I want you to know that I care about you, your current situation, and your future. That s why we are in this together. This is not about deprivation, extreme penny-pinching, becoming super frugal, or locking down your money. It s about changing your financial perspective so you can do this for the long haul. But first, you have to pull over and look honestly at where you are so you can decide if you want to keep traveling this road in the many seasons of life ahead.
Pulling Your Life Over
As moms we live in a perpetual mode of repetition. It s how we survive life with kids and maintain some semblance of sanity. We get up, we get ready, we get the kids out the door, we carpool here and there, we buy a latte, we work, we clean, we buy this or that, we feed the family, we put the kids to bed, and we do it all again.
In the whirlwind of everyday life, it s easy to simply make money, spend money, and move on. No plan. Not much awareness other than the fact that our checking account has money going in and going out, often leaving at a faster pace than it s going in. The back and forth of life often leaves us struggling to put our fingers on the root of our unhappiness and lack of peace. We rely heavily on coping mechanisms to help us shake the unrest we feel inside.

Momentum Mind-Set
I m not stuck!
Everyone has gone through a Momentum Meltdown-and not just about finances. We are so paralyzed by fear or by wondering what to do first that we don t do anything at all. Friend, you are never stuck. You have the ability to make small, intentional choices that lead to big change!
This was my life for years. Most of my pursuits revolved around making money and spending it with no real idea of how much I had or how large a check I was going to write to my credit card company. As a result, it seemed that my day job was what I did to cover all the junk I was buying, without much room for real adventure or fun. But then there came a day when I had to stop on the path and consider where it was leading my family and me.
The first time this happened I was 25. I had blindly followed where life led-until one night when everything changed.
My husband, Cressel, and I had been married two years. Those two years had been full of big changes. Within six months of marriage we moved away from all our family members for Cressel to pursue his PhD. I thought everything would be fine-I had a job I actually enjoyed. The problem was that Cressel s studies were taking over our lives.
He spent many nights sleeping on the IKEA couch in the lab just to stay on top of his research and graduate studies. He had completed his master s degree and was now diving headfirst into the robotics PhD program. One night I had fallen asleep while reading on the couch. Around one o clock I heard the door open and sat up just in time to watch my husband slowly enter our tiny one-bedroom apartment and drop his backpack on the floor. With a dejected look on his face, he walked straight to our bedroom without a word.
I was worried. In the six years I had known him, I d never seen him this troubled. In a half-awake haze, I walked into the room and asked what was wrong. He plopped down on the bed, staring at the ceiling, and began pouring out his frustrations-the long hours, the high expectations, and the competitive environment made it a place he wasn t sure he really wanted to be anymore. He felt that he just didn t fit. Like the path wasn t quite right for what he ultimately wanted out of his one life.
After 15 minutes of his venting, I was aware that something had to give. I could see that my husband was on a course he knew wasn t the one he wanted-one he knew in his gut wasn t right. This was the first time in o