Who Wants To Go Debt Free in 2020?

I know. I know. That headline sounds awfully click baity. But it’s not. I promise.

It’s time for many of us to set our 2020 goals, and make our New Year’s Resolutions. One of them for loads of people is to get out of debt. Or at least to reduce IOU NO MORE: A Quick Start Guide For Becoming Debt Free And Living Debt Free Forever by [Sam Burton]debt and get money working for them, rather than the other way around.

One of the best known sources of help out there is Dave Ramsey. I’ve listened to Dave for years. He offers some great advice. Check out his information at www.daveramsey.com. And for what it’s worth, I don’t get any financial kickbacks from Dave at all. None. Zero. Nada.

I also know that creating a budget, and a financial plan that will work, can be a nightmare. I know it, because I’ve been there. My wife and I were on the fast track to oblivion, and we overcame it. After we had created out plan and were working it, I discovered Dave Ramsey. I was amazed at how similar our plans were. Way back in 2006 I published a book called, IOU NO MORE, a quick start guide to becoming debt free, and living debt free forever. It was available as a paperback. Last year, I felt like some of the illustrations were getting a bit old, so I stopped publishing the paperback and made it available only as an eBook.

The information is still really good. The stories are still true. The plan still works. In fact, I believe with all my heart that it’s the simplest money management plan out there.

From December 26,2019 – January 31, 2020, I’m reducing the price to $.99. I want to help you change your life. The forms alone, are worth more that the price you pay for the book. And, if you email me, or send my your email via the comments section, I will send you the ‘basic’ budget form, for people who are in debt. I will send it absolutely free. No gimmicks. I’m not going to sell your email address. I wouldn’t dream of doing something that sleazy. I know how much I hate it when someone does that to me.

I want to help you help yourself. I want to see men and women set free from the stress of money worries. Also, just in the spirit of full disclosure, every one of you who buys the book and writes to me for the budget form, will immediately go on my prayer list through January 2020.

That’s it. Just a quick announcement about this deal. I believe in you. 2020 is your emancipation date.

Click HERE to check out the Book.

Why I Don’t Want To Walk With You. Yes, You! (A ‘Transformation’ Supplemental)

Alone on the trailIt’s not you, it’s me.  So said many a soul trying to break a heart as gently as possible.   Sometimes, though, it’s true. Sometimes people just can’t be with others.

When it comes to exercise, that’s me.  As it turns out, I need to be alone. I have to work out, and, walk, alone, sans company.  It’s not personal. It’s just a fact. Here are some of the reasons:

  1. It’s my quiet time. I need time alone with God every day. I don’t just want it. I need it. It’s my time to pray and talk with Him. Maybe you pray. Maybe you don’t. I do.  My morning walk is where I do my best praying.
  2. It’s my ‘me’ time. I’m an extrovert. I expend a great deal of energy being with people. I love being wired that way, but the simple truth is, I need regular significant ME time. I need to get away from anything that even smells of responsibility. In the old days, that was during my daily time training my sled dogs. Once the dogs hit the trail, it was just the dogs, nature, God and me. I could tune out the real world and just be. I treasured those miles and minutes. After we moved south and I had to give up my dogs, I found my space in my morning farm chores. I would be up early, feeding and watering all the livestock and taking care of the garden. Now that farming is mostly behind me, my chores only take a few minutes in the morning. In the past few weeks, I’ve rediscovered peace and harmony in my morning walk. That’s probably weird, but it’s definitely true.
  3. It’s my most creative time. When I’m walking in the morning, or doing my exercise, I can mentally work on books, blog posts, podcasts, sermons, and a host of other creative projects. I can’t do that if someone is walking with me. I will only focus on the person or people with me.
  4. Walking with someone is distracting. When the going gets tough, I like to let my mind wander. I want to think about writing, or teaching, or just the nature around me. I want to think about anything except the work I’m involved in. If people are around, I can’t get lost in the moment. All I can hear is the footsteps and breathing of my companions. All I can think about is my exploding lungs or weakening muscles.
  5. Walking or exercising with companions makes my workout harder and takes me off my plan. First of all, I’m too sociable. I will want to talk with my companion(s) and talking throws off my breathing and rhythm.  When that happens, I get short of breath and tired too soon.  I really don’t want to have a stroke. That would seriously mess with my goals.  Also, because I’m slower than EVERYONE, I will subconsciously speed up which will mess with my distance.  The breathing and pace of those walking with me will silently influence my own. I hate peer pressure. 😉
  6. Getting thrown off my game makes me grumpy. And I don’t want to be grumpy. I’m not bothered by the fact that you are faster than me, or are a better athlete than I am. I have a plan, a goal.  I need to stick to it. If I’m thrown off that plan, I tend to melt down.

I love being a social butterfly. I love people. Chances are I’m fond of you; just not while I’m trying to focus on my quiet time.  I would love to spend time with you before my exercise time, and I would love to spend time with you after my exercise time. We can drink coffee, sip on iced tea, and chat or argue, or bear one another’s burdens, or any of a number of activities, but I need my tiny fragment of time alone.

I don’t know whether that sounds crazy, or whether it registers with you, but hopefully, it will at least help you understand that while I want you in my life, I don’t want you in my exercise program. I have no problem seeing you at the park or in the gym. In fact, I’m comforted if people I care about are there. Just do your thing, I’ll do mine, then we’ll change the world together.

Thanks for understanding.

Transformation – Let’s Do This

As part of a Church Planting preparation conference, Brittan and I are attending in July, I was asked to create a Personal Development Plan. One of the areas I’ve made public is related to health and fitness. I have neither! I want both.

I’ve identified my obstacles (excuses) as being: Too Old, Too Fat, Too Sick, and, Too Broke.

In future episodes, I will rebut each of those excuses.  BTW, these are the same kinds of issues each of us faces regardless of the areas of our lives we wish to transform; be it, physical, like me, or career, finances, relational, or even, spiritual. They are lies we are told and that we tell ourselves.  Please subscribe to my YouTube page to follow my journey, and watch here for regular updates along the way.

Before I go here are some of my goals:

Weight: currently – 275 lbs, Target – 175 lbs; Time table: 18 mos. Mid term goal: Jan. 1, 2017, 199 lbs

Fitness; Complete a 10k in 2 years. Keep in mind that I can’t run at all for health reasons. Watch the Video.

Clothes: Current: 46 trousers; xxl and some xxxl shirts, Dress Shirts are 19. Goals: Trousers, 36 by goal weight, 40 by Jan 1. 2017, Shirts: xl by Jan 1,  dress shirts – 17.5 by Jan. 1 and 16 by goal weight.

Stay tuned – more to come.  Next time, I’ll describe my eating plan.