Hope for your financial life and beyond

Living Through Tragedy When There Are No Answers

I find myself again writing the most difficult of posts. Three years ago it was about one of my high school students who chose to take her own life. This time tragedy struck in our church youth group as on Tuesday we lost a 16-year old girl to the most unlikely of things for someone so young – cardiac arrest.

Her name was Elizabeth and she was a sweet, sweet girl. She was so pleasant to be around. Smiles adorned her face at every turn. And such a committed follower of Jesus.

So young…so healthy…so just getting started on life.

And then she was gone in a heartbeat.

You can read the account as shared by her mother on her Facebook page. As a parent it will make you want to hold your kids tight and cherish the moment. I sure did when my wife and I returned from the hospital.

The toughest part about being with the family at the hospital and helping them work through the funeral arrangements this week was that there are no answers. There are no answers to the “Why did this happen?” question. There are no answers to the “What happened (physically)?” question. There are no answers really at all to how this happened to a perfectly healthy young girl.

[Read more…]

6 Shocking Things Your Broke Friends Need to Hear You Say

If you’ve ever gotten into conversations with broke friends about money, you know how hard it is to determine if they actually want your help. There are ways to figure that out and perhaps lead your discussion to deeper levels. If that happens, you’ll learn more about your friend’s financial struggles and perhaps be able to offer some counsel.

The counsel part is when it gets really tough. If you’ve had success with money, you know what has to be done…

broke friendsChange your habits.

Spend less.

Save more.

Follow a budget.

Get out of debt.

Invest, invest, and invest some more.

But your broke friends might not want to listen or hear any of that.

When someone is in a heap of financial trouble there are reasons for that trouble. Those reasons could be diverse. However, more than likely they result from lack of knowledge and poor behaviors/decisions.

When our way of life becomes ingrained – in other words, normal and acceptable to us – we really don’t want to hear ways to live differently. We have your set routines and way of thinking. The more we practice the same things over and over the less likely it will be for use to break out of the mold and see things differently.

Even in the realm of money.

In order to break through and see outside the box, we either have to experience severe pain, be faced with a crisis or be shocked by someone or something. We don’t simply wake up one morning and say “I think I’ll change all my habits today.”

[Read more…]