Cut ’em up.

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August 27, 2013 by Will Ray

Chop, chop.

I think that we can make real progress in our lives when we have “line in the sand” moments.  You know those moments, the ones where we say, “This is it!”  Those are the moments where we make decisions that can change the way we live our lives.

“This is it – I’m not going to eat like this anymore.”
“This is it – I’m not going to fall into that trap anymore.”
“This is it – I’m not going into debt anymore.”
“This is it – I’m not going to live like this anymore.”

Like Dave Ramsey says, people decide to change their lives when they get “sick and tired of being sick and tired.”

But sometimes, we say, “This is it,” and then our lives don’t change for the better over the long-term.  Many times we make a decision, but don’t set ourselves up for success because we leave in place the vehicles that help us make the mistakes we want to end.

You decide you’re going to change the way you eat, but you leave the junk food in the pantry.  You decide you’re going to get up earlier, but you keep your only alarm within arm’s reach on the nightstand.  You decide to start getting out of debt, but you keep the credit cards around “just in case.”

I’ve seen dozens of people make real decisions about their finances, decisions to stop compounding the problem and start implementing real solutions.  It looks like this:


These are scores of real credit cards from four Financial Peace Classes.  When people decided to change their lives, they took real action, wasted no time, and chopped the plastic.

You’ve been thinking about it for some time, why not go ahead and change your life?  If you have $1000 in the bank, you’ve got money that will cover 85% of emergencies you encounter.  So why not make it happen?  If you don’t have a little cushion, make it happen!  Get $1000 saved to start things off, and that’s your “just in case” fund, not a credit card anymore.

Real life change is within reach, you just have to take real action that will set yourself up for success!  Let’s make it happen.

Cut ’em up.

Financial Peace University at Celebration Church starts again this Thursday, if you’re looking for a group to walk through this with you. More information/registration available here.


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About me…

Youth minister, financial coach and part-time wedding photographer, based in Raleigh, NC

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