StuHodges.com

February 11, 2016

Stu’s Suggestions for Your Money

Everybody wants to make a plan to win with their money, but few ever actually do anything about it. It’s action, not intention that ultimately will lead to a change in your life and in your finances. If you truly want to win with your money, these tools will help you put action to your plan:

If you want to develop a plan and stick to it, I suggest the EveryDollar app. EveryDollar is a free app developed by Dave Ramsey that allows you to make a plan and track your spending, all from the convenience of your smartphone. It’s incredibly user-friendly and allows you to track your progress throughout the month, even on the go!

If you want education and specific steps to reach your financial goals, I suggest Dave Ramsey’s Total Money Makeover. It’s a great resources, broken down into “baby steps” that will coach you to budget, get out of debt, invest, and more.

If you want to consistently give, I suggest watersedgechurch.net/give. Set up a recurring contribution so that your giving is automated. Automated giving takes the guesswork out of giving and it relieves the pressure of remembering to give and removes the temptation not to give. Set up your automated giving to coincide with your paydays so that the first thing you do with your money is give back to God.

If you want to consistently save, I suggest capitalone360. Here, you can have multiple FREE accounts that are linked together so that you can set up automated savings. For example, I have savings accounts named “Christmas” and “Car” and “Vacation”. Every month, a portion of my paycheck automatically gets transferred into these accounts.

If you want to get out of debt, I suggest Dave Ramsey’s debt snowball approach. Begin by listing all your monthly debt payments in order from smallest to largest.

– Find a way to accelerate your debt payoff with extra money. This may mean cutting household expenses from your budget or taking on a 2nd job.
– Apply every dollar of extra money to pay off the smallest debt first, while paying the minimum payment only on all the other debts.
– Once the smallest debt is paid in full, take the extra money and the minimum payment you were paying on the smallest debt and apply it to the next debt.
– Continue this process until you are completely free of consumer debt.

February 9, 2016

The 3 Biggest Budget Busters

coins2

If you’re going to Give – Save – Spend according to a plan, you’re likely going to need to make some hard financial choices. Here are three decisions that might actually save you more than you think – and could keep you on track to Give-Save-Spend:

1 – Control Your Appetite! Eating out is one of the biggest budget busters you face. A lunch here and a drive-thru there and a Starbucks in between will bust your budget! You’ve got to control your appetite! Set a strict plan for what you spend in this category and make sure you stick to it.

2 – Deal With Less Channels! Did you know it’s possible to live without cable TV? Most people spend well over $100 / month on their cable and internet package… that’s a budget buster! Cut back to basic cable. Cut back to a slower internet speed. Cut off the home telephone if you have a cell phone. And…if you feel like you’ve still got to watch your favorite TV shows, invite yourself over to a friend’s house!

3 – Say NO To Your Kids! This is a hard one for most parents, but kids are a big budget buster because most parents never say NO! I’m giving you permission to say NO to every extracurricular activity. Say NO to school pictures and yearbooks. Say NO to expensive birthday gifts for every friend. Say NO to going to the movies every Friday night. Say NO to the most expensive pair of shoes. It’s okay because if you say NO to some of these less important things, it allows you to say YES to more important things! How about YES to a family vacation? Say YES to a college savings fund! Say YES to one sport per season instead of three.

Nobody likes to make tough financial decisions and they’re never easy to make. However, if you’re going to stick to the Give – Save – Spend plan, you need to look at your budget busters and make some hard choices.

February 8, 2016

Sunday’s Quotables

Crashproof-Header

Happy Monday from Katie, Stu’s Assistant. I hope you made church a priority yesterday because Stu brought a super-practical message to finish up the Crashproof Your Life series. Here are a few of my favorite quotes:

1. 70% of you will agree that this is among the top 3 challenges you’re facing in 2016.
2. This is God’s plan, by the way, for how you and I can crashproof our finances, we can GIVE first, SAVE second, and SPEND last.
3. Make a plan and stick to it!
4. It is far sexier to be the dude with a half a dozen pink carnations and no debt than to be the dude with a dozen red roses and credit card debt out the wazoo!
5. The key to saving is automate it!
6. Giving first demonstrates your dependence on God.
7. I’m the boss of money but God’s the boss of me.
8. You will never regret living by God’s plan: give, save, spend.
9. Take us up on the [90 Day Tithe] Challenge and see what God will do in your life.
10. Our money is the single greatest indicator of our heart.

Next Sunday we start a new series called I Don’t and it is the perfect time to invite someone to come with you!

February 1, 2016

Sunday’s Quotables

Crashproof-Header

Happy Monday from Katie, Stu’s Assistant. I hope you joined us yesterday as we celebrated Baptism Sunday! Stu continued Crashproof Your Life with a talk called Grow. Here are a few of my favorite quotes:

1. There’s nothing more depressing than getting to the end of a year, only to look back to discover that you didn’t accomplish what you had hoped to accomplish that year.
2. It’s unhealthy to not move forward.
3. You want to check yourself before you wreck yourself in 2016, GROW!
4. You and I were always to grow as part of the church.
5. The church is God’s plan to grow you and you are God’s plan to grow the church.
6. My job is to equip you, which means to help you and challenge you and encourage you and inspire you and push you and resource you, that’s my job.
7. I want to see 100% of the people listening to my sermon today take a step toward growth.
8. How do I mature?
9. The Growth Map answers that question and very clearly points you to a next step that you can take to grow and mature.
10. To Crashproof Your Life, you need to take one of these steps today: WEC U, Be Mentored, Attend Regularly, Be Baptized, Experience Missions, Volunteer, Invite, Give, Join A Group, Read the Bible, or Lead.

January 25, 2016

Sunday’s Quotables

Happy Monday from Katie, Stu’s Assistant. I hope you joined us for the special online blizzard service yesterday! If you missed it, you can check it out here. Here are a few of my favorite quotes from Stu’s talk:

1. Now that you’ve experienced church online, if you know somebody maybe that lives out of the area why don’t you introduce them to it and invite them to attend?
2. How Do We Crashproof Our Church?
3. When you flourish in God’s house, God’s house flourishes!
4. #1 – Who Are You Inviting?
5. We all need a story.
6. #2 – How’s Your Group?
7. #3 – What Did You Love About Sunday?
8. #4 – How Are You Investing?
9. One of the greatest things you can do for your church, for our staff, for your Campus Pastor, for me and my family, for the movement of God, for our mission is to pray!
10. We’ll do more if we’re crashproofed in your life and we’ll do more to build God’s kingdom than we’ve ever dreamed possible.

January 18, 2016

Sunday’s Quotables

Crashproof-Header

Happy Monday from Katie, Stu’s Assistant. I hope you didn’t let the weather stop you from making it to church to hear how to Crashproof Your Life! Here are a few of my favorite quotes:

1. Be A Tree. (Go ahead and make the tree pose!)
2. You must be planted.
3. The best place to grow is where you’re planted!
4. Steady is sexy.
5. I’m helping some single lady right now who thinks she wants Mr. flashy, climbing the corporate ladder, moving up the food chain. When in actuality Steve in Accounting is the guy you want!
6. You must be pruned.
7. Pruning allows for growing.
8. He’s cutting you back but He’s not cutting you off.
9. Planted and pruned and plugged in.
10. Your life will be fruitful in 2016 if you’ll get plugged in to Jesus and stay there.

January 12, 2016

Video Update… Seat Saved Sunday!

January 11, 2016

Sunday’s Quotables

Crashproof-Header

Happy Monday from Katie, Stu’s Assistant. I hope you joined us yesterday as Stu continued our series, Crashproof Your Life, with a talk called Thank You. I had trouble narrowing down quotes today because there were SO many nuggets of truth and application points. Here are a few of my favorites:

1. Will you save a seat for somebody this week?
2. Just one bad decision today can crash your tomorrow!
3. Two simple little words – Thank You – may be the key to unlocking God’s blessings in your life in 2016.
4. Thank You reminds you where you’ve come from and how you got here.
5. Blessings can either turn into pride or praise.
6. You hold back on gratitude because of pride and nothing separates you quicker from God and from others than pride.
7. I believe the key to 2016 really is two simple words: Thank You. And if you fail to use those words, you’re going to miss out on all sorts of blessings.
8. If you want to overcome scarcity and fear, be grateful and you’ll find joy.
9. If you’ve got a past due bill of gratitude, it’s time to pay up so you can experience the blessings of 2016!
10. Thank You is how you crashproof your life.

Don’t forget Stu’s challenge to start and end the day with a THANK YOU!

January 4, 2016

Sunday’s Quotables

Crashproof-Header

Happy New Year! This is Katie, Stu’s Assistant. I hope you joined us for our Christmas Eve services at the HRCC and yesterday as we kicked off a brand new series called Crashproof Your Life! Here are a few of my favorite quotes from Stu’s talk:

1. I’m going to teach you in this series how to check yourself before you wreck yourself!
2. Without a doubt the best part [of the Christmas Eve services] was watching 494 people boldly stand to their feet to make Jesus the Lord of their life!
3. Derrick matters so much to God that God knew Derrick would have to work on Christmas Eve and Derrick wouldn’t be able to come to church on Christmas Eve, so God had us bring church to Derrick so he could have a relationship with Him!
4. Did you know that you are one dumb decision away from crashing your life?
5. What’s your Jericho today? What is it that stands between where you are and where God wants to take you?
6. Get ready because the blessings of 2016 are gonna make the fights of 2015 worth it!
7. I want to tell you how to crashproof your life this year using Joshua’s battle plan: march, blow, shout.
8. Move Your Feet
9. Blow Your Horn
10. Lift Your Voice

December 23, 2015

Video Update from the HRCC!