Get More of What You Want

What if there were a way that you could have more of the things you want in life? A better car, more time with family, better and more frequent vacations, or anything else you can think of. Would you be willing to make a few changes in your life in order to get these things?


Have You Lost Your Dreams?

Most people are good dreamers when they’re young. We imagine what life could be: the things we’ll do, the places we’ll go, the people we’ll influence. But, as we get older and become part of “the real world,” the temptation surfaces to deny or suppress our dreaming. There are a few big reasons this happens. One, that’s what people around us do. As you know from being a reader of this blog, that’s never a good reason to do anything! But a second reason is that often the practical cost of all the things we’d like to do adds up to a great deal more than we earn in income. This is a real limitation, but I have some good news: it can be overcome in two ways.

Owning Your Priorities

The first way to overcome the gap between what your dream life costs and the money you have available is to eliminate things which are not essential. For example, I may dream of owning a top-of-the line road bike, but don’t currently have the $1,500 in the bank to purchase one. However, owning the bike of my dreams is actually within my reach. I can get the $1,500 I need if I will simply commit to cutting $1,500 from other areas in my life. Maybe I collect $200 by abstaining from buying coffee from Starbucks for a year. I can collect another $300 by canceling cable TV for three months, and get $150 more by selling an old stereo that I never use. What I’m doing here is sacrificing the things that aren’t important to me in order to obtain that which is important to me.

We often let statements like, “I wish I could afford that,” or, “someday I hope to be able to…” come out of our mouths. As in our example above, the fact of the matter is that we can afford the things we’re dreaming about, but we refuse to give up the other things in our life that we need to sacrifice in order to get it.

Instead of Shrinking Your Dreams, Expand Your Income

The long-term way to overcome the gap between the life we imagine and the life we can afford is to develop an asset. One of the best definitions of an asset, especially in the context of what we’re discussing here, is Robert Kiosagi. In his book Rich Dad, Poor Dad, Robert defines an asset as something you own that produces a stream of income for you. By this definition, a house you own and live in isn’t really an asset, because it moreso takes your money, through taxes, interest, and upkeep expenses, than it produces in capital appreciation for you. An asset by Robert’s definition would be ownership in a growing company, a stock or bond, or creating a franchise. What assets do you have currently? What opportunities do you have to develop an asset?

We’ll Show You How

If you don’t know where or how you could begin to create an asset for yourself, you are in the right place! Part of what we do as part of our ThriveMart business is something called, “personal franchising.” We help people to do what we’ve done—start a business that they own without the risks and financial investment typically required to launch a business. Visit our ThriveMart facebook page and send us a message to learn more, and remember what Zig Ziglar says, “you can have anything you want in life if you’ll just help enough other people get what they want!”

What Are You Pouring In?

In my garden out back of our house, I planted tomato, pepper, and squash plants this spring.  I did not plant only a single seed of each, but many seeds of each type.  What would you think of me if I say I am disappointed today that I have no apple trees, cactus plants, or strawberries growing?  Would you think me foolish?  What if I went further to say that I am frustrated that so many tomato, pepper, and squash plants are growing?  Surely then you’d think me strange, right?


What Are You Growing

While we might think this sort of behavior foolish, we tend quite often to act this way when it comes to what we plant in ourselves.  We desire to have good things happen to us, to have a life full or rich relationships and success, but how can these things grow if they haven’t been planted?  Take this past week for example:  how much time did you spend around positive, excited winners?  Did you learn things directly from leaders or mentors of yours by listening to their wisdom as they poured their experience into you?  If not, how can you expect the plants of success to grow?  There are no seeds to even start with!

Conversely, how much time in the past week have you spent letting negative messages pour into your head?  Have you listened to others around you complain about things they don’t like or blame others for the situations they find themselves in?  Have you spent many hours letting the TV be your teacher?  Are the shows than you watch filled with positive messages of overcoming difficulty through persistence and teamwork, or are they overly-sexualized sitcoms that display selfishness, destruction, or belittling others.  If the latter, what do you think these seeds will grow into within the garden of your mind?

Understand the Connections

Our lives are in much more of our own control than we often realize.  Wise men make the connection between what’s poured into the mind today and the situations we find ourselves in tomorrow. Will you take the step of intentionally pouring in an shielding yourself from the bad?  Put distance between yourself and the habits of the masses, and watch your life of success grow and flourish!

Does Money Drive Your Decisions?

Have you ever heard someone quote from the Bible that, “money is the root of all evil?” Does God really oppose riches and want His children to avoid nice homes, cars, and other physical possessions?  Is it wrong to seek financial freedom and success?

a formal affair

To start off, let’s check the accuracy of that biblical quote.

1 Timothy 6

7For we have brought nothing into the world, so we cannot take anything out of it either. 8If we have food and covering, with these we shall be content. 9But those who want to get rich fall into temptation and a snare and many foolish and harmful desires which plunge men into ruin and destruction. 10For the love of money is a root of all sorts of evil, and some by longing for it have wandered away from the faith and pierced themselves with many griefs.

Money is Paper

Does this passage teach that money is bad?  Is money the root of all evil?  No. Rather, it is the love of money that is a root of all sorts of evil.  Loving anything more than we love God is idolatry, and to do so violates what Christ said was the greatest commandment:  to love the Lord our God with all our heart, soul, mind, and strength.  As the passage above teaches, many foolish men have wandered away from God in the pursuit of their greatest love:  money.

So, if loving money is a danger we must be careful to avoid, should we seek to keep our income low and not bother to learn sound financial principles and habits?  Some have misquoted and misunderstood Scripture in asserting such ideas, only to find that this foolishness has the opposite effect than what was intended.

Money on Your Mind

Which man spends more time thinking about money, the one who earns plenty and has a large savings account or the one who earns little and lives paycheck to paycheck?  All else equal, who places more value on a $100 bill, a man who’s in debt up to his ears or a man who has a $1 million net worth?  A rich man may be miserly or generous, and a poor man may love God or love money, but in general the following applies:  those with plenty of money make fewer decisions based on money than do those who have little.

How Then Shall We Live?

So, what does this mean for us—the majority between poverty and affluence?  How should we live in light of these truths?  I see two major lessons:  First, always check your heart that you’re loving God more than money (or anything else for that matter).  Whether you count yourself rich or not, your heart can be led astray after money, so guard yourself and always see money as a means to serving God, not the other way around.  Lesson number two is this: act wisely now in order that your decisions need not revolve around money later.  Dave Ramsey says in this way:  Live now like no one else so that later, you can live like no one else.

Don’t Be the Joneses

It’s a hard thing to do, saying no to fun trips, activities, and purchases just because “we don’t have the money.”  What makes it even harder is that it’s so easy to borrow money on a credit card or finance a big purchase, and this is exactly what our neighbors do.  But, if you will make the hard decisions and say no today, the money you save and invest will grow and compound, and one day you’ll reach the position of financial strength and freedom where money no longer drives your decisions.  We’ll look forward to seeing you there!

Is Success Once Success?

One day, a little boy decided he wanted to learn to ride a bike.  He found his dad and asked him all about how bicycles worked.  His dad told him all about the history of bicycles, the parts that make up a bicycle, and the technique required to ride one.

Victory!  Or Is It?

The boy and his dad began working diligently on learning to ride the bike.  As the boy practiced, he gradually improved, until one afternoon, his dad released his grip on the back of the seat and the boy rode under his own power for a full block.  Happy and proud, both man and son returned home and parked the bike in the garage.  The bike stayed in it’s spot in the garage all night.  The next day, the bike also stayed in its place.  So too the third day, fourth day, and fifth day.  In fact, the bike stayed put for weeks, followed by months, and then years.  The boy never again took the bike out for a ride, though he walked past it nearly every day.  Now the question: did this boy learn to ride a bike?


Technically, the boy learned all about the bike.  And once, he did manage to ride it a ways.  But did he benefit?  Did anyone benefit?

Assimilate It

You see, you and I are often like that foolish boy.  We undertake a worthy venture, like eating healthier, beginning a fitness regimen, or connecting with God in Scripture and prayer, but we fail to continue and create a permanent habit.  In so doing, we miss out on the benefit of the venture, just as the boy missed out on the joys and benefits of bicycling around his neighborhood.

Today’s the Day!

Can you think of something you know you should be doing, something perhaps that you’ve even successfully done on occasion, but that you’ve never gotten consistent with?  What benefits would you enjoy if you made this behavior a permanent habit in your life?  It could be that the only thing separating you from the greater level of success or achievement that you desire is the simple consistent application of something you already know how to do!  Will you take the steps today to make a new habit for your own success?  Make a commitment, let someone know about it, and enjoy your journey to the top!

Learning Something New

Are you growing?  Not in height, but in your capabilities, your character, your walk with God?  Here’s one way to check:  how often lately have you been frustrated, overwhelmed, and uncomfortable?


Yes Benefits, No Discomfort

It’s a little funny sometimes how we always want to have the capability, the strength, the skill, but we avoid the exact things it takes to develop those parts into us.  I’ve heard it said that the place where success resides is outside your comfort zone.  I think that describes it pretty well.  Have you been there lately?

I’ve been learning what some may think is an odd skill lately, and even though it might not be the most important capability in the world, the experience has been very enlightening.  You probably can’t tell, but this article is being written with a different keyboard than usual.  It’s called the Dvorak keyboard layout, and I encourage you to Google it and learn more about what makes it worth learning.

But keyboards aren’t what we’re talking about:  we’re talking about learning.  And it’s what I learned about learning that can encourage and propel you to success in what’s important to you.  What I learned is this:

Embrace the Stages

Learning involves progressing through four distinct stages.  Only if you persist through the hard times, the times that make you want to quit, will you get to experience the benefits on the other side.  If there’s only one thing you hear from this entire article, let it be this:  you must persist.  When all seems most hopeless, you must hang on—you are so close to a breakthrough!

The four stages of learning are these:  enthusiastic beginner, frustrated learner, capable but lacking confidence, and master.  When I first learned of the Dvorak keyboard layout, I got really excited!  I jumped into an online lesson and flew through it happily.  This enthusiasm lasted a few days…

By the next week I had a few of the letters down, but by no means enough to type at a decent pace.  I used the backspace key like nobody’s business, and it seemed typing three sentences would take me all day.  It was at this point that the thought of giving up entered my mind.  To make matters worse, I told a few friends about what I was doing and how it could benefit them.  Rather than getting excited like I did, they told me that this was a waste of time and not worth the effort.  This was the low point of my Dvorak experience, and only my commitment to learning and growing helped me hold on.

Don’t Give Up!

I’m happy to report that as I persisted, I began to improve and the new style of typing became more and more fun.  Better than that, I began to see some of the lessons I’m describing for you here, and that made me even happier that I stuck with it!  I still have some room to grow before I become a master Dvorak typist, but I’m at a strong pace and am moving forward—taking the lessons I’ve learned and applying them to growth in the areas that matter most.  Will you get out of your comfort zone this week and start learning something new?  Let us know what it is by registering (which is free of course) and posting a comment below!  Thanks for including us on your path to a thriving life!

To Whom Do You Go?

Can you think of a time when you faced a tough decision and were unsure of the proper course?  When posed with two different options and can only choose one, how do you sort out the best way to go?  I believe that the first step is to recognize the value in seeking council. This is natural, isn’t it?  To tell people around what’s going on in your life in order to hear their perspective?  But all too often, I think we apply this good principle of seeking council in a way that may actually hinder us.


What to Do?

Let’s take a common and tangible example of a difficult decision.  Imagine that you own and drive a car that is near the end of its life and not worth too much.  One morning when you attempt to start the car, you get some scary noises and a whole lot of white smoke.  Later that day you get the call from your mechanic:  you need a between $800 and $1,500 of work done.  Now, you’re not sure that your car is worth much more than $2,500 once it’s all fixed, and you’re not sure if it’s worth it to pay for the repairs or not.

Seeking Feedback

What would you do in this situation?  If you’re like most people, you’d probably tell your car story to the nearest 10 people who’ll listen.  Invariably, many of these people will offer advice, and certainly it will be well intentioned.  If you’re thinking of the principle mentioned above, that gaining the perspective of others can be valuable in making decisions, you’re probably happy to get all the feedback.  But there’s one key issue we’ve skipped over that makes the difference between the advice you get yielding you a good situation or a problem on top of your problem.

Qualifications test

The key is the determination of adviser qualification.  Or, put more simply, does the person offering advice know what he’s talking about?  Take a basic idea like the following for instance.  Taking financial advice from broke people is unwise.  Think about that for a second.  Now try this one:  taking marriage advice from a person with an unhealthy marriage is unwise.  Seriously, think about it!

Now, while this may seem so simple and obvious, it’s been my experience (personally, I assure you, as well as by watching others do this) that we often fail to apply such a basic filter before giving people’s suggestions credibility.  Our car repair example above is quite a common case of this illogical behavior.  One will ask everyone around him what to do about the car, and he’ll hear many people say, “oh, just trade it in and get a new car!  You’ll save the money on repairs, and paying a little interest is no big deal.  In fact, have you considered a lease?  Then you could have a really cool car right now!”  All too often, we’ll not only accept these ideas, but will actually factor them into our decision making process and let them influence our choice.  But what is the financial position of the advisers here?  Do they own their own cars?  Do they have an effective budgeting system in place and are they on track for retirement?  Often, No!  They do not!

To Become a Winner, Follow Winners

So, here’s the bottom line.  Does the person offering advice have what I want?  If it’s financial advice I’m seeking, do they have a financial life that I’d like to have?  If it’s spiritual advice, so they have the walk with the Lord that I want?  If it’s fitness and nutrition advice, do they have the physique and energy levels I want?  Run your advisers through this simple filter first, and you’ve avoid many behaviors that lead to the terrible place called average.

Making a Plan That Lasts

Why make a plan  for your money?  Isn’t it more fun to just grab what you want whenever you want it?


Growing Up

Living your financial life with the foresight of a 3rd grader may be fun in the moment, but to have what you want next week and next month, a longer term vision is required.  Problem is, even when people become convinced of the value of budgeting to their peace and financial freedom, their first attempt to make a budget sets them up for failure.

Make it Today, and For Today

If you’re like most people, the first time you sit down to work up a budget for the coming month, you try to create a generic, one-size-fits-all budget that will represent all future months.  You’re planning for the perfect month from heaven, problem is, that month never really happens here in the real world!

The key in building a successful cashflow plan is to spend this month’s income on this month’s expenses.  Some expenses will be nice and consistent, such as your house payment or water bill.  But if you make your budget too generic, it won’t work in real life, and you’ll be tempted to just give up money management altogether.

Get Started

Today’s always the perfect time to start planning your budget for the coming month.  If you haven’t tried the latest version of ThriveWealthy, click the tab above to find the page and download the tool.  Read over the instructions briefly, then start entering your expected paycheck amounts and dates.  Allocate how you’ll spend all of next month’s income in the different categories provided, changing category names as needed to make the budget fit your life.

Enlist Our Help!

Don’t be discouraged when things come up and you have to revisit your allocations several times throughout the month.  As you continue to plan your spending before the money is spent, you’ll improve at predicting your actual expenses, and you’ll also notice that your money will start to be spent on those things that are important to you–with less “falling through the cracks” or getting spent on things that don’t really matter to you.  Feel free to post successes, hardships, or questions to the comments section below; we’re all in this together, and we are all here to help each other thrive!

The Debt is No More

Would your friends describe you as an appreciative person?  Are you grateful for the many blessings you enjoy?  Or, are you prone to take the benefits you daily enjoy for granted?  Do you occupy yourself more with giving thanks for the good things or keeping count of the bad things? Today we’ll learn from the master, as the Lord Jesus Christ teaches us to have hearts of gratefulness.

no more debt

Luke 7

41″A moneylender had two debtors: one owed five hundred denarii, and the other fifty. 42″When they were unable to repay, he graciously forgave them both. So which of them will love him more?” 43Simon answered and said, “I suppose the one whom he forgave more.” And He said to him, “You have judged correctly.” 44Turning toward the woman, He said to Simon, “Do you see this woman? I entered your house; you gave Me no water for My feet, but she has wet My feet with her tears and wiped them with her hair. 45″You gave Me no kiss; but she, since the time I came in, has not ceased to kiss My feet. 46″You did not anoint My head with oil, but she anointed My feet with perfume. 47″For this reason I say to you, her sins, which are many, have been forgiven, for she loved much; but he who is forgiven little, loves little.” 48Then He said to her, “Your sins have been forgiven.” 49Those who were reclining [at the table] with Him began to say to themselves, “Who is this [man] who even forgives sins?” 50And He said to the woman, “Your faith has saved you; go in peace.”

A Huge Debt Forgiven

As was so often His habit, Jesus used a simple and relatable story to communicate a deep and powerful spiritual lesson.  In the parable, we meet two men who are both in debt to a wealthy man.  One owes him 50 days wages (say $10,000 or so) and the other owes him ten times that amount.  Although the wealthy man has every right to demand his due payment, he does not. Because he is gracious, he completely forgives both debts.  The two are of course grateful—but not exactly the same.  Imagine being forgiven a debt of $100,000!  How much weight would you feel lifted off your shoulders!!

The Lord then goes on to explain the spiritual truth underlying the story.  Like the men in debt, you and I owe a monstrous sum.  But it’s not money we owe—it’s a debt of sin.  Because God is a just God, and we all fall short of obeying His perfect Law, we must pay for our unrighteous actions.  The penalty for sin is death, and not just death, but eternal separation from our Creator.  But, like the gracious rich man in the story, our heavenly Father has paid our debt.  He did this through Christ’s atoning death on the cross.  Our Savior paid the penalty we owe by dying the death we deserved—He Himself being without sin.  If we will turn from our sin and accept Christ as Savior and Lord, He will wash us clean and forgive our debt.

Do Your Actions Show You Grateful?

Now, whether we have been forgiven for a collection of small or lesser sins, or if we’re forgiven from a lifetime of rebellion and grotesque sins, we will be overjoyed and thankful to our gracious Father.  But the one who is saved from the mountain of heinous sin will tend to have a greater appreciation for the gift he has been given.  Like the woman in the story who was saved and forgiven from her life of adultery, we should recognize and give thanks to God for blotting out our transgressions.

If you’ve been forgiven much, take the time to recount and remember what God has saved you from.  Pray and give thanks that Jesus has paid your debt and God has forgotten your iniquities.  Conversely, do you think yourself forgiven relatively little?  It can be easy to downplay our own sinfulness, to view our godless words and actions as “minor slipups,” or “small infractions.”  But God is holy, and a sinner cannot enter His presence.  Instead of looking on others, whom we deem as “worse sinners” than us, let’s take the lesson of this passage and fall at our Savior’s feet in overwhelming gratefulness for His grace and love toward us poor, undeserving sinners.

Leading Takes Listening

I used to think that leaders were the ones with all the answers—the smartest ones in the room.  While it takes intelligence to lead a team, I’m learning that great leaders do something you might not expect, and they do it exceptionally well.


You may think that you’re the smartest person in the room—and you might even be right.  But if you’re unwilling to listen to the people around you, you will dramatically hamper your effectiveness as a leader.  Leaders listen, both for ideas and in order to influence those they lead.

Listen for Ideas

Even if you are a genius, you don’t have a monopoly on good ideas.  The beauty of this world God made is that things work best when people work together.  Jesus used the example of the body to describe His bride, the church.  An eye has a different function and role than an ear, just as a foot can be used more effectively accomplish some things than can an eyelash. Here’s the takeaway—you may be an excellent hand, but no matter how great a hand you are, there’s no way you can hear a noise—only ears can do that.  Recognize your strengths but be willing to seek feedback and ideas from the people around you.

Listen for Influence

Do you look others in the eyes when they speak?  Do you really listen to what they’re saying?  If you do these things, you’ve certainly noticed how few other people do this.  When you do little things like make eye contact, adopt a welcoming posture (no arms crossed, no hands in pockets), ask questions, and use the name of the person you’re talking to often, you will be amazed how people will open up to you.  In doing this, they demonstrate their trust in you.  And to be trusted means to have influence.  Make the effort to truly listen and care about the person you’re talking to, and you’ll be amazed how they will want to hear from you.  Humility, respect, and trustworthiness—things that we know belong to good leaders, but the question is, will you exemplify them today?

You Can Lose It!

Think of 10 friends you know.  Or better yet 10 of your neighbors.  How many of them are overweight or obese?  According to the Centers for Disease Control and Prevention, seven!  Shocking, yes.  Disheartening, yes.  Solvable, Yes!

Although many temporary diets are unsuccessful, there is hope for those who find the scale reading a number larger than they’d like.  If you’re looking to shed some weight and create a healthier life, you can do it!  Today we’ll look at three components to a successful and sustainable weight loss plan.


What Do You Really Want?

First, you have to actually want it.  Many diets fail simply because the dieter didn’t really want to lose weight; rather, his wife, his brother, or someone else wanted it for him.  Or perhaps the fellow we’re talking about did want to lose weight, but not in the, “I’m committed and willing to work and sacrifice,” kind of way.  To illustrate, I may want a green and vibrant lawn, but if I don’t put down fertilizer and seed, keep it watered and trimmed, I demonstrate that this idea is more of a fanciful dream than a real desire.

Avoid the Roller Coaster

Secondly, you need a permanent program.  The idea that you can avoid cake and skip breakfast for a month, then go back to normal and have this accomplish anything permanently is absurd.  The key to a successful diet program is that it must be a permanent change to healthier eating.  Now, before you get scared and exit this site, you can still have cake in this life!  🙂  The point is to start taking up healthier habits that you can continue indefinitely.  So, for example, maybe you start a new habit of having a vegetable with lunch every day, or limiting fast food runs to two per week.  Find the biggest problem areas that you have today and begin replacing them with healthier options.

The Right Supplements

Finally, you need to find a nutrition program that works for you.  Have you ever seen two friends undertake the same diet or exercise program, only to have one friend succeed and the other fail?  How is this possible?  How can you find the right diet program for you?  In my research, I’ve only found one weight-loss program that offers a custom solution to you individually, and is affordable and healthy long-term.  It’s called BodyKey from Nutrilite, and is the only program to tailor natural supplements to you based on your individual DNA.  This program is one of the reasons we’ve chosen to align ourselves with this company:  no one else offers a full 6-month satisfaction guarantee on every product they sell.  Yes, you heard that right:  if you begin the BodyKey nutrition and fitness program and aren’t satisfied with the results 6 months later, you get a full refund!  Where else can you find that kind of security on an investment?  And what better could you invest in than yourself?

For more information about BodyKey or other great plant-based products from Nutrilite, check out our ThriveMart page or send us a message today!  We’re here to help you thrive and enjoy a healthy life for many years to come!