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The "Summer Slump" Budget Review: Re-evaluating Habits Mid-Season? · Becoming Financially Confident

• 0:38
  The
• 0:38
  summer
• 0:38
  started
• 0:38
  with
• 0:38
  such
• 0:39
  great
• 0:39
  financial
• 0:40
  intentions,
• 0:41
  but
• 0:41
  now
• 0:41
  that
• 0:42
  we're
• 0:42
  mid
• 0:42
  season,
• 0:43
  does
• 0:43
  your
• 0:43
  budget
• 0:44
  feel
• 0:44
  a
• 0:44
  little,
• 0:44
  well,
• 0:45
  slumped?
• 0:46
  Have
• 0:46
  spending
• 0:47
  habits
• 0:47
  drifted
• 0:47
  and
• 0:48
  are
• 0:48
  you
• 0:48
  wondering
• 0:48
  how
• 0:49
  to
• 0:49
  regain
• 0:49
  control?
• 0:50
  What
• 0:50
  if
• 0:50
  a
• 0:51
  quick
• 0:51
  checkup
• 0:51
  could
• 0:51
  get
• 0:52
  you
• 0:52
  back
• 0:52
  on
• 0:52
  track
• 0:53
  for
• 0:53
  a
• 0:53
  stress
• 0:53
  free
• 0:54
  summer?
• 0:54
  Well,
• 0:55
  stick
• 0:55
  with
• 0:55
  me
• 0:55
  today
• 0:55
  because
• 0:56
  I've
• 0:56
  got
• 0:56
  the
• 0:56
  steps
• 0:57
  to
• 0:57
  make
• 0:57
  that
• 0:57
  happen
• 0:58
  and
• 0:58
  that's
• 0:58
  exactly
• 0:59
  what
• 0:59
  I'm
• 0:59
  covering
• 0:59
  on
• 1:00
  today's
• 1:00
  show.
• 1:01
  This
• 1:02
  is
• 1:02
  Financially
• 1:02
  Confident
• 1:03
  Christian,
• 1:04
  your
• 1:04
  daily
• 1:04
  dose
• 1:04
  of
• 1:05
  gospel,
• 1:05
  grounded
• 1:06
  insight
• 1:06
  and
• 1:06
  faith
• 1:07
  driven
• 1:07
  tips
• 1:07
  to
• 1:08
  help
• 1:08
  you
• 1:08
  break
• 1:08
  the
• 1:08
  cycle
• 1:09
  of
• 1:09
  financial
• 1:09
  financial
• 1:09
  shame
• 1:10
  with
• 1:10
  confidence.
• 1:12
  Hey
• 1:12
  there
• 1:13
  and
• 1:13
  welcome
• 1:13
  back
• 1:13
  to
• 1:13
  your
• 1:14
  Financially
• 1:14
  Confident
• 1:15
  Christian.
• 1:15
  I'm
• 1:15
  Ralph
• 1:16
  and
• 1:16
  this
• 1:16
  is
• 1:16
  the
• 1:16
  show
• 1:16
  that
• 1:17
  always
• 1:17
  helps
• 1:17
  you
• 1:17
  answer
• 1:18
  that
• 1:18
  big
• 1:18
  question
• 1:19
  and
• 1:19
  that's
• 1:19
  how
• 1:20
  can
• 1:20
  I
• 1:20
  become
• 1:21
  a
• 1:21
  financially
• 1:21
  confident
• 1:22
  Christian?
• 1:22
  And
• 1:22
  we
• 1:22
  are
• 1:23
  in
• 1:23
  our
• 1:23
  series
• 1:23
  Smart
• 1:24
  Money
• 1:24
  for
• 1:24
  Back
• 1:24
  to
• 1:25
  school
• 1:25
  and
• 1:25
  beyond,
• 1:26
  trying
• 1:26
  to
• 1:26
  help
• 1:26
  you
• 1:27
  thrive
• 1:27
  for
• 1:27
  the
• 1:28
  financial
• 1:28
  school
• 1:28
  year
• 1:29
  and
• 1:29
  finish
• 1:30
  up
• 1:30
  the
• 1:30
  summer
• 1:30
  strong.
• 1:31
  Now
• 1:31
  today
• 1:32
  we're
• 1:32
  going
• 1:32
  to
• 1:32
  focus
• 1:32
  on
• 1:32
  the
• 1:33
  summer
• 1:33
  budget
• 1:33
  slump.
• 1:34
  Yeah,
• 1:34
  I
• 1:34
  said
• 1:34
  slump
• 1:35
  because
• 1:35
  so
• 1:36
  many
• 1:36
  of
• 1:36
  us
• 1:36
  get
• 1:36
  into
• 1:36
  that
• 1:37
  summer
• 1:37
  routine
• 1:38
  and
• 1:38
  the
• 1:38
  great
• 1:39
  habits
• 1:39
  that
• 1:39
  we
• 1:39
  had
• 1:39
  at
• 1:39
  the
• 1:39
  beginning
• 1:40
  of
• 1:40
  the
• 1:40
  year
• 1:40
  just
• 1:40
  starting
• 1:41
  to
• 1:41
  fade
• 1:41
  just
• 1:41
  a
• 1:42
  little
• 1:42
  bit.
• 1:42
  Maybe
• 1:43
  we're
• 1:43
  eating
• 1:43
  out
• 1:43
  a
• 1:43
  little
• 1:43
  bit
• 1:44
  more,
• 1:44
  we're
• 1:44
  spending
• 1:45
  a
• 1:45
  little
• 1:45
  bit
• 1:45
  more
• 1:45
  on
• 1:46
  the
• 1:46
  entertainment.
• 1:47
  We're
• 1:47
  not
• 1:47
  paying
• 1:47
  attention
• 1:48
  to
• 1:48
  what
• 1:48
  we
• 1:49
  thought
• 1:49
  we
• 1:49
  were
• 1:49
  going
• 1:49
  to
• 1:49
  pay
• 1:50
  attention
• 1:50
  to.
• 1:51
  So
• 1:51
  today
• 1:51
  I
• 1:51
  really
• 1:51
  want
• 1:52
  to
• 1:52
  focus
• 1:52
  on
• 1:52
  how
• 1:52
  to
• 1:52
  recognize
• 1:53
  that
• 1:53
  drift
• 1:54
  and
• 1:54
  reset
• 1:54
  your
• 1:55
  path
• 1:55
  towards
• 1:55
  peace
• 1:56
  and
• 1:56
  purpose.
• 1:58
  So
• 1:58
  let's
• 1:58
  talk
• 1:58
  about
• 1:58
  the
• 1:59
  summer
• 1:59
  slump
• 2:00
  and
• 2:00
  what
• 2:00
  that
• 2:00
  looks
• 2:00
  like.
• 2:00
  You
• 2:01
  started
• 2:01
  summer,
• 2:01
  like
• 2:01
  I
• 2:02
  said,
• 2:02
  with
• 2:02
  good
• 2:02
  intentions.
• 2:03
  Maybe
• 2:03
  you
• 2:04
  had
• 2:04
  that
• 2:04
  summer
• 2:05
  fun.
• 2:05
  Fun.
• 2:05
  Remember
• 2:06
  I
• 2:06
  talked
• 2:06
  about
• 2:06
  that
• 2:06
  on
• 2:06
  a
• 2:06
  few
• 2:07
  shows
• 2:07
  ago.
• 2:08
  You
• 2:08
  had
• 2:08
  a
• 2:08
  savings
• 2:09
  goal,
• 2:09
  you
• 2:09
  had
• 2:09
  a
• 2:10
  spending
• 2:10
  plan.
• 2:11
  But
• 2:11
  as
• 2:11
  with
• 2:12
  most
• 2:12
  people,
• 2:12
  along
• 2:13
  came
• 2:13
  summer
• 2:14
  and
• 2:14
  along
• 2:14
  came
• 2:14
  those
• 2:15
  impulse
• 2:15
  buys,
• 2:16
  those
• 2:16
  spontaneous
• 2:17
  events,
• 2:17
  things
• 2:18
  you
• 2:18
  just
• 2:18
  couldn't
• 2:18
  afford
• 2:19
  to
• 2:19
  miss.
• 2:20
  And
• 2:20
  maybe,
• 2:21
  just
• 2:21
  maybe,
• 2:21
  you've
• 2:22
  taken
• 2:22
  a
• 2:22
  break
• 2:22
  from
• 2:22
  your
• 2:23
  tracking
• 2:24
  and
• 2:24
  now
• 2:24
  all
• 2:24
  of
• 2:24
  a
• 2:24
  sudden
• 2:24
  you're
• 2:25
  starting
• 2:25
  to
• 2:25
  feel
• 2:25
  things
• 2:26
  get
• 2:26
  a
• 2:26
  little
• 2:26
  tight
• 2:26
  again.
• 2:27
  Your
• 2:27
  budget's
• 2:27
  starting
• 2:28
  to
• 2:28
  feel
• 2:28
  a
• 2:28
  little
• 2:28
  leaky.
• 2:29
  Maybe
• 2:30
  like
• 2:30
  a
• 2:30
  lot
• 2:30
  of
• 2:30
  us,
• 2:30
  you're
• 2:31
  starting
• 2:31
  to
• 2:31
  feel
• 2:31
  guilty
• 2:32
  about
• 2:32
  your
• 2:32
  spending
• 2:33
  decisions
• 2:33
  again.
• 2:34
  Maybe
• 2:34
  you're
• 2:35
  even
• 2:35
  questioning
• 2:35
  your
• 2:35
  discipline
• 2:37
  now.
• 2:37
  This
• 2:37
  isn't
• 2:37
  just
• 2:38
  about
• 2:38
  money.
• 2:39
  If
• 2:39
  it
• 2:39
  was
• 2:40
  just
• 2:40
  about
• 2:40
  money,
• 2:40
  be
• 2:40
  simple.
• 2:41
  But
• 2:41
  so
• 2:42
  many
• 2:42
  times
• 2:42
  it's
• 2:43
  a
• 2:43
  whole
• 2:43
  other
• 2:43
  level
• 2:43
  of
• 2:44
  emotional
• 2:45
  issues
• 2:45
  as
• 2:46
  well.
• 2:47
  But
• 2:47
  here's
• 2:47
  the
• 2:47
  truth
• 2:47
  I
• 2:48
  want
• 2:48
  you
• 2:48
  to
• 2:48
  hear
• 2:48
  right
• 2:48
  now.
• 2:48
  If
• 2:48
  you're
• 2:49
  listening
• 2:49
  right
• 2:49
  now
• 2:49
  and
• 2:50
  you're
• 2:50
  feeling
• 2:50
  like
• 2:50
  you're
• 2:51
  a
• 2:51
  failure,
• 2:51
  this
• 2:51
  is
• 2:52
  not
• 2:52
  a
• 2:52
  failure.
• 2:53
  This
• 2:53
  is
• 2:53
  just
• 2:54
  a
• 2:54
  moment
• 2:54
  for
• 2:54
  a
• 2:55
  faithful
• 2:55
  reset.
• 2:56
  So
• 2:56
  let's
• 2:56
  look
• 2:57
  into
• 2:57
  the
• 2:57
  scripture
• 2:58
  today
• 2:58
  and
• 2:58
  talk
• 2:59
  about
• 2:59
  how
• 2:59
  that
• 3:00
  looks
• 3:00
  in
• 3:01
  scripture,
• 3:01
  because
• 3:01
  here's
• 3:01
  the
• 3:02
  thing
• 3:02
  I
• 3:02
  want
• 3:02
  you
• 3:02
  to
• 3:02
  understand
• 3:02
  the
• 3:03
  big
• 3:03
  idea
• 3:03
  for
• 3:03
  today.
• 3:04
  Budgets
• 3:05
  are
• 3:05
  not
• 3:05
  chains.
• 3:07
  If
• 3:07
  you
• 3:07
  think
• 3:07
  that
• 3:08
  a
• 3:08
  budget
• 3:08
  is
• 3:08
  a
• 3:08
  chain,
• 3:09
  guess
• 3:09
  what
• 3:09
  you're
• 3:09
  going
• 3:09
  to
• 3:09
  do.
• 3:09
  You're
• 3:10
  going
• 3:10
  to
• 3:10
  break
• 3:10
  free
• 3:10
  of
• 3:10
  it
• 3:10
  and
• 3:10
  you're
• 3:11
  not
• 3:11
  going
• 3:11
  to
• 3:11
  use
• 3:11
  it.
• 3:12
  But
• 3:12
  if
• 3:13
  you're
• 3:13
  using
• 3:13
  a
• 3:13
  budget,
• 3:14
  well,
• 3:14
  if
• 3:15
  you're
• 3:15
  using
• 3:15
  a
• 3:15
  budget
• 3:15
  wisely,
• 3:16
  it's
• 3:17
  really
• 3:17
  a
• 3:17
  tool
• 3:17
  of
• 3:18
  grace.
• 3:19
  And
• 3:19
  this
• 3:19
  mid
• 3:20
  season
• 3:20
  review
• 3:21
  doesn't
• 3:21
  signal
• 3:21
  a
• 3:22
  defeat.
• 3:22
  This
• 3:22
  doesn't
• 3:22
  mean,
• 3:22
  oh,
• 3:23
  throw
• 3:23
  my
• 3:23
  hands
• 3:23
  up,
• 3:24
  I've
• 3:24
  lost
• 3:24
  a
• 3:24
  project.
• 3:25
  Ralph
• 3:26
  it's
• 3:26
  not
• 3:26
  that
• 3:26
  at
• 3:27
  all.
• 3:27
  But
• 3:28
  if
• 3:28
  you
• 3:28
  really
• 3:28
  take
• 3:28
  the
• 3:29
  time
• 3:29
  and
• 3:29
  do
• 3:29
  this
• 3:29
  mid
• 3:30
  season
• 3:30
  review,
• 3:31
  it's
• 3:31
  a
• 3:31
  mark
• 3:31
  of
• 3:32
  diligence
• 3:32
  and,
• 3:33
  and
• 3:33
  it's
• 3:33
  a
• 3:33
  mark
• 3:33
  of
• 3:33
  perseverance.
• 3:34
  So
• 3:34
  let's
• 3:35
  look
• 3:35
  right
• 3:35
  into
• 3:35
  the
• 3:36
  scripture
• 3:36
  and
• 3:36
  I'm
• 3:36
  going
• 3:36
  to
• 3:36
  use
• 3:36
  one
• 3:37
  that
• 3:37
  I
• 3:37
  use
• 3:37
  on
• 3:37
  the
• 3:37
  show
• 3:38
  probably
• 3:38
  once
• 3:38
  a
• 3:39
  week,
• 3:39
  and
• 3:39
  that's
• 3:40
  Proverbs
• 3:40
  21:5.
• 3:41
  It
• 3:41
  says
• 3:41
  this.
• 3:42
  The
• 3:42
  plans
• 3:42
  of
• 3:42
  the
• 3:42
  diligent
• 3:43
  lead
• 3:43
  to
• 3:44
  profit
• 3:44
  as
• 3:44
  surely
• 3:44
  as
• 3:45
  haste
• 3:45
  leads
• 3:46
  to
• 3:46
  poverty.
• 3:47
  Again,
• 3:47
  we're
• 3:47
  talking
• 3:47
  about
• 3:48
  that
• 3:48
  plan
• 3:48
  you
• 3:48
  created.
• 3:49
  Maybe
• 3:49
  you
• 3:49
  created
• 3:49
  that
• 3:50
  way
• 3:50
  back
• 3:50
  at
• 3:50
  the
• 3:50
  beginning
• 3:51
  of
• 3:51
  the
• 3:51
  summer.
• 3:51
  You
• 3:51
  had
• 3:51
  these
• 3:52
  great
• 3:52
  ideas
• 3:53
  for
• 3:53
  I'm
• 3:53
  really
• 3:53
  going
• 3:53
  to
• 3:53
  cut
• 3:54
  back
• 3:54
  on
• 3:54
  spending
• 3:55
  this
• 3:55
  summer.
• 3:55
  Maybe
• 3:55
  you
• 3:55
  saw
• 3:56
  that
• 3:56
  you
• 3:56
  had
• 3:56
  a
• 3:56
  routine
• 3:57
  every
• 3:57
  year
• 3:57
  that
• 3:58
  summer.
• 3:58
  You
• 3:58
  got
• 3:58
  into
• 3:59
  this
• 3:59
  slump
• 3:59
  before
• 4:00
  and
• 4:00
  you
• 4:00
  said,
• 4:00
  I'm
• 4:01
  really
• 4:01
  going
• 4:01
  to
• 4:01
  do
• 4:01
  this
• 4:01
  this
• 4:01
  time,
• 4:02
  Ralph.
• 4:02
  But
• 4:02
  now,
• 4:02
  now
• 4:03
  you're
• 4:03
  starting
• 4:03
  to
• 4:03
  look
• 4:03
  at
• 4:03
  this
• 4:03
  and
• 4:03
  go,
• 4:04
  yeah,
• 4:04
  I'm
• 4:04
  about
• 4:04
  halfway
• 4:05
  through
• 4:05
  and
• 4:05
  I
• 4:06
  really
• 4:06
  had
• 4:06
  a
• 4:06
  savings
• 4:07
  goal
• 4:07
  and
• 4:07
  I'm
• 4:08
  not
• 4:08
  meeting
• 4:08
  that
• 4:08
  savings
• 4:09
  goal.
• 4:09
  And
• 4:09
  it
• 4:09
  talks
• 4:10
  all
• 4:10
  about
• 4:10
  this
• 4:10
  in
• 4:11
  the
• 4:11
  scripture,
• 4:11
  that,
• 4:11
  that
• 4:12
  diligent
• 4:12
  planning.
• 4:13
  Another
• 4:13
  book
• 4:14
  that's
• 4:14
  mentioned
• 4:15
  here.
• 4:15
  And
• 4:15
  we'll
• 4:15
  talk
• 4:15
  about
• 4:16
  perseverance.
• 4:17
  That's
• 4:17
  the
• 4:17
  book
• 4:17
  of
• 4:17
  Galatians,
• 4:18
  chapter
• 4:19
  six,
• 4:19
  nine.
• 4:20
  And
• 4:20
  this
• 4:20
  one,
• 4:20
  I
• 4:20
  think
• 4:21
  is
• 4:21
  perfect
• 4:21
  for
• 4:21
  what
• 4:22
  we're
• 4:22
  talking
• 4:22
  about
• 4:22
  today.
• 4:22
  It
• 4:23
  says
• 4:23
  this,
• 4:23
  let
• 4:24
  us
• 4:24
  not
• 4:24
  become
• 4:24
  weary
• 4:25
  in
• 4:25
  doing
• 4:25
  good,
• 4:26
  for
• 4:26
  at
• 4:27
  the
• 4:27
  proper
• 4:27
  time
• 4:28
  we
• 4:28
  will
• 4:28
  reap
• 4:28
  a
• 4:28
  harvest.
• 4:29
  And
• 4:29
  if
• 4:29
  we
• 4:30
  don't
• 4:30
  give
• 4:30
  up,
• 4:31
  hey,
• 4:31
  that's
• 4:32
  what
• 4:32
  I'm
• 4:32
  talking
• 4:32
  about
• 4:32
  today.
• 4:33
  This
• 4:33
  is
• 4:33
  not
• 4:34
  the
• 4:34
  time
• 4:34
  to
• 4:34
  throw
• 4:34
  your
• 4:34
  hands
• 4:35
  and
• 4:35
  say,
• 4:35
  I
• 4:35
  give
• 4:35
  up.
• 4:35
  I
• 4:36
  can't
• 4:36
  budget,
• 4:36
  I
• 4:37
  can't
• 4:37
  make
• 4:37
  this
• 4:38
  work,
• 4:38
  Ralph.
• 4:39
  But
• 4:39
  here's
• 4:39
  the
• 4:39
  thing
• 4:39
  I
• 4:40
  want
• 4:40
  you
• 4:40
  to
• 4:40
  hear
• 4:40
  right
• 4:40
  now,
• 4:40
  because
• 4:41
  listen,
• 4:41
  I've
• 4:41
  been
• 4:41
  there
• 4:42
  too.
• 4:42
  There
• 4:42
  are
• 4:43
  times
• 4:43
  where
• 4:43
  we
• 4:43
  all
• 4:44
  struggle.
• 4:44
  We
• 4:44
  have
• 4:44
  these
• 4:45
  great
• 4:45
  intentions.
• 4:45
  We're
• 4:46
  going
• 4:46
  to
• 4:46
  lose
• 4:46
  weight,
• 4:47
  we're
• 4:47
  going
• 4:47
  to
• 4:47
  eat
• 4:48
  healthier,
• 4:48
  we're
• 4:48
  going
• 4:48
  to
• 4:48
  do
• 4:49
  all
• 4:49
  of
• 4:49
  those
• 4:49
  type
• 4:50
  of
• 4:50
  things.
• 4:51
  But
• 4:51
  here's
• 4:51
  my
• 4:52
  encouragement
• 4:52
  for
• 4:52
  you
• 4:53
  right
• 4:53
  now.
• 4:53
  Even
• 4:54
  small
• 4:54
  course
• 4:54
  corrections
• 4:55
  are
• 4:55
  acts
• 4:56
  of
• 4:56
  faith.
• 4:57
  And
• 4:57
  I
• 4:57
  just
• 4:57
  want
• 4:57
  to
• 4:57
  encourage
• 4:58
  you
• 4:58
  right
• 4:58
  now.
• 4:58
  Let
• 4:58
  God
• 4:59
  guide
• 4:59
  that
• 4:59
  stewardship
• 5:00
  and
• 5:00
  let
• 5:00
  him
• 5:01
  put
• 5:01
  you
• 5:01
  back
• 5:01
  into
• 5:01
  alignment.
• 5:03
  So
• 5:03
  here's
• 5:04
  your
• 5:04
  one
• 5:04
  action
• 5:05
  step
• 5:05
  for
• 5:05
  today
• 5:06
  with
• 5:06
  the
• 5:06
  goal
• 5:07
  of
• 5:07
  regaining
• 5:07
  peace
• 5:08
  and
• 5:08
  regaining
• 5:08
  control
• 5:09
  over
• 5:09
  your
• 5:09
  summer
• 5:10
  finances.
• 5:10
  I
• 5:10
  want
• 5:11
  you
• 5:11
  to
• 5:11
  do
• 5:11
  that.
• 5:11
  And
• 5:11
  listen,
• 5:11
  this
• 5:12
  is
• 5:12
  pretty
• 5:12
  simple.
• 5:12
  Today
• 5:13
  I
• 5:13
  just
• 5:13
  want
• 5:13
  you
• 5:14
  to
• 5:14
  schedule
• 5:14
  your
• 5:14
  slump
• 5:15
  check
• 5:15
  in.
• 5:16
  I
• 5:16
  thought
• 5:16
  that
• 5:16
  was
• 5:16
  kind
• 5:17
  of
• 5:17
  a
• 5:17
  catchy
• 5:17
  way
• 5:17
  to
• 5:17
  say
• 5:18
  it
• 5:18
  because
• 5:18
  all
• 5:18
  of
• 5:18
  us
• 5:19
  feel
• 5:19
  that
• 5:19
  summer
• 5:19
  slump
• 5:20
  sometimes.
• 5:20
  But
• 5:20
  I
• 5:21
  just
• 5:21
  want
• 5:21
  you
• 5:21
  to
• 5:21
  go
• 5:21
  ahead
• 5:21
  and
• 5:22
  schedule
• 5:22
  that
• 5:22
  slump
• 5:23
  check
• 5:23
  in.
• 5:23
  And
• 5:23
  this
• 5:24
  doesn't
• 5:24
  have
• 5:24
  to
• 5:24
  be
• 5:24
  this
• 5:25
  big
• 5:25
  elaborate,
• 5:25
  you
• 5:26
  know,
• 5:26
  corporate
• 5:26
  board
• 5:27
  meeting.
• 5:27
  No,
• 5:27
  I
• 5:28
  just
• 5:28
  want
• 5:28
  you
• 5:28
  to
• 5:28
  block
• 5:29
  off
• 5:29
  maybe
• 5:29
  15,
• 5:30
  20
• 5:30
  minutes
• 5:31
  this
• 5:31
  week
• 5:32
  and
• 5:32
  just
• 5:32
  treat
• 5:32
  it
• 5:33
  as
• 5:33
  a
• 5:33
  real
• 5:33
  important,
• 5:34
  but
• 5:34
  hey,
• 5:34
  it's
• 5:34
  a
• 5:34
  real
• 5:34
  employment
• 5:35
  with
• 5:35
  yourself.
• 5:36
  And
• 5:37
  I
• 5:37
  want
• 5:37
  you
• 5:37
  to
• 5:37
  really
• 5:37
  review
• 5:38
  your
• 5:38
  spending
• 5:39
  and
• 5:39
  I
• 5:39
  want
• 5:39
  you
• 5:39
  to
• 5:40
  review
• 5:40
  it
• 5:40
  honestly.
• 5:41
  You
• 5:41
  know,
• 5:41
  take
• 5:41
  out
• 5:41
  that
• 5:42
  budget,
• 5:42
  take
• 5:42
  out
• 5:43
  that
• 5:43
  intentional
• 5:43
  spending
• 5:44
  plan,
• 5:45
  get
• 5:45
  those
• 5:45
  transaction
• 5:46
  journals
• 5:47
  that
• 5:47
  you've
• 5:47
  been
• 5:47
  keeping
• 5:47
  track
• 5:48
  of.
• 5:48
  Maybe
• 5:48
  you're
• 5:48
  not
• 5:48
  doing
• 5:49
  a
• 5:49
  great
• 5:49
  job
• 5:49
  of
• 5:49
  that
• 5:49
  space
• 5:50
  of
• 5:50
  time
• 5:50
  to
• 5:50
  get
• 5:50
  back
• 5:51
  into
• 5:51
  doing
• 5:51
  that.
• 5:51
  Look
• 5:52
  at
• 5:52
  your
• 5:52
  bank
• 5:52
  statement,
• 5:53
  look
• 5:53
  at
• 5:53
  your
• 5:53
  credit
• 5:54
  card
• 5:54
  statements
• 5:54
  and
• 5:54
  really
• 5:55
  focus
• 5:55
  on
• 5:55
  the
• 5:55
  last
• 5:56
  two
• 5:56
  or
• 5:56
  three
• 5:56
  weeks.
• 5:56
  Only
• 5:57
  this
• 5:57
  isn't
• 5:58
  the
• 5:58
  time
• 5:58
  to
• 5:58
  go
• 5:58
  say,
• 5:58
  well,
• 5:59
  you
• 5:59
  know,
• 5:59
  I
• 5:59
  did
• 5:59
  this
• 6:00
  two
• 6:00
  months
• 6:00
  ago,
• 6:00
  I
• 6:01
  did
• 6:01
  this
• 6:01
  four
• 6:01
  months
• 6:01
  ago.
• 6:01
  No,
• 6:02
  really
• 6:02
  laser
• 6:03
  focus
• 6:03
  on
• 6:03
  the
• 6:03
  last
• 6:04
  two,
• 6:04
  three
• 6:05
  weeks
• 6:05
  and
• 6:05
  just
• 6:05
  work
• 6:06
  on
• 6:06
  that.
• 6:07
  And
• 6:07
  I
• 6:07
  just
• 6:07
  want
• 6:07
  you
• 6:07
  to
• 6:08
  work
• 6:08
  on
• 6:08
  spotting
• 6:09
  some
• 6:09
  drift
• 6:09
  areas.
• 6:10
  We're
• 6:11
  not
• 6:11
  talking
• 6:11
  about
• 6:11
  these
• 6:12
  major
• 6:12
  shifts,
• 6:13
  we're
• 6:13
  just
• 6:13
  talking
• 6:13
  about
• 6:13
  categories
• 6:14
  that
• 6:14
  maybe
• 6:14
  slipped
• 6:15
  a
• 6:15
  little
• 6:15
  bit.
• 6:16
  You
• 6:16
  can't
• 6:16
  fix
• 6:17
  everything.
• 6:17
  I
• 6:18
  just
• 6:18
  want
• 6:18
  you
• 6:18
  to
• 6:18
  really
• 6:18
  look
• 6:19
  at
• 6:19
  fixing
• 6:19
  the
• 6:20
  things
• 6:20
  that
• 6:20
  look
• 6:20
  like
• 6:20
  the
• 6:21
  biggest
• 6:21
  leaks
• 6:21
  for
• 6:22
  you.
• 6:22
  And
• 6:22
  then
• 6:23
  once
• 6:23
  you
• 6:23
  do
• 6:23
  that,
• 6:23
  once
• 6:24
  you've
• 6:24
  looked
• 6:24
  at
• 6:24
  the
• 6:25
  data,
• 6:25
  once
• 6:25
  you
• 6:25
  found
• 6:26
  those
• 6:26
  drifting
• 6:26
  areas,
• 6:27
  I,
• 6:27
  I
• 6:27
  want
• 6:27
  you
• 6:28
  to
• 6:28
  really
• 6:28
  just
• 6:28
  make
• 6:29
  one
• 6:29
  realistic
• 6:30
  adjustment,
• 6:30
  just
• 6:30
  some
• 6:31
  quick
• 6:31
  wins.
• 6:31
  For
• 6:32
  example,
• 6:32
  one
• 6:32
  of
• 6:32
  these
• 6:33
  that
• 6:33
  I
• 6:33
  think
• 6:33
  jumps
• 6:34
  out
• 6:34
  at
• 6:34
  a
• 6:34
  lot
• 6:34
  of
• 6:35
  people
• 6:35
  is
• 6:35
  maybe
• 6:35
  you've
• 6:36
  noticed
• 6:36
  that
• 6:36
  you're
• 6:36
  ordering
• 6:37
  out
• 6:37
  more,
• 6:37
  you're,
• 6:38
  you're
• 6:38
  dining
• 6:38
  out
• 6:39
  more
• 6:39
  maybe
• 6:40
  to
• 6:40
  say
• 6:40
  to
• 6:40
  yourself,
• 6:40
  look,
• 6:40
  I'm
• 6:41
  going
• 6:41
  to
• 6:41
  cut
• 6:41
  that
• 6:41
  dining
• 6:42
  out
• 6:42
  by
• 6:42
  X
• 6:42
  number
• 6:42
  of
• 6:43
  dollars
• 6:43
  next
• 6:43
  week.
• 6:44
  Hey,
• 6:44
  maybe
• 6:45
  for
• 6:45
  you
• 6:45
  it's
• 6:45
  that
• 6:46
  impulse
• 6:46
  buying
• 6:47
  is
• 6:47
  starting
• 6:47
  to
• 6:47
  creep
• 6:48
  and
• 6:48
  I
• 6:48
  did
• 6:48
  a
• 6:48
  show
• 6:49
  about
• 6:49
  that,
• 6:49
  that
• 6:49
  lifestyle
• 6:50
  creep
• 6:50
  a
• 6:50
  couple
• 6:50
  days
• 6:51
  ago.
• 6:51
  But
• 6:51
  maybe
• 6:52
  for
• 6:52
  you
• 6:52
  it's
• 6:53
  time
• 6:53
  to
• 6:53
  reinstate
• 6:53
  that
• 6:54
  24
• 6:54
  hour
• 6:54
  rule.
• 6:55
  Maybe
• 6:55
  as
• 6:55
  you're
• 6:56
  sitting
• 6:56
  there
• 6:56
  in
• 6:56
  the
• 6:56
  summertime,
• 6:57
  you
• 6:57
  don't
• 6:57
  have
• 6:57
  as
• 6:57
  much
• 6:58
  going
• 6:58
  on
• 6:58
  you're
• 6:58
  you
• 6:58
  find
• 6:59
  scrolling
• 7:00
  through
• 7:00
  Amazon
• 7:01
  or
• 7:01
  looking
• 7:01
  doing
• 7:02
  some,
• 7:02
  some
• 7:02
  window
• 7:03
  shopping,
• 7:03
  maybe
• 7:03
  online
• 7:04
  window
• 7:04
  shopping.
• 7:05
  But.
• 7:05
  But
• 7:05
  maybe
• 7:06
  it's
• 7:06
  time
• 7:06
  to
• 7:06
  reinstate
• 7:07
  that
• 7:07
  24
• 7:08
  hour
• 7:08
  pause
• 7:09
  rule.
• 7:09
  Hey,
• 7:10
  maybe
• 7:10
  this
• 7:10
  is
• 7:10
  a
• 7:10
  great
• 7:11
  time
• 7:11
  because
• 7:11
  maybe
• 7:12
  like
• 7:12
  a
• 7:12
  lot
• 7:12
  of
• 7:12
  people,
• 7:12
  your,
• 7:13
  your
• 7:13
  entertainment
• 7:14
  budget
• 7:14
  has
• 7:15
  grown.
• 7:15
  Maybe
• 7:16
  this
• 7:16
  is
• 7:16
  the
• 7:16
  time
• 7:16
  to
• 7:16
  really
• 7:17
  sit
• 7:17
  down
• 7:17
  with
• 7:18
  the
• 7:18
  family
• 7:18
  and
• 7:18
  plan
• 7:19
  three
• 7:19
  free
• 7:19
  activities.
• 7:21
  Times
• 7:21
  that
• 7:21
  you
• 7:21
  could
• 7:22
  go
• 7:22
  do
• 7:22
  things
• 7:22
  that
• 7:22
  don't
• 7:22
  cost
• 7:23
  you
• 7:23
  anything
• 7:23
  at
• 7:24
  all.
• 7:24
  And
• 7:24
  hey,
• 7:25
  if
• 7:25
  your
• 7:25
  goal
• 7:26
  was
• 7:26
  about
• 7:26
  savings,
• 7:27
  maybe
• 7:27
  it's
• 7:28
  time
• 7:28
  to
• 7:28
  put
• 7:28
  a
• 7:28
  little
• 7:28
  bit
• 7:29
  money
• 7:29
  into
• 7:29
  that
• 7:30
  summer
• 7:30
  fund.
• 7:31
  Fund.
• 7:31
  Yeah,
• 7:32
  because
• 7:32
  summer's
• 7:32
  not
• 7:33
  over.
• 7:33
  We've
• 7:33
  got
• 7:34
  some
• 7:34
  more
• 7:34
  room
• 7:35
  to
• 7:35
  go.
• 7:35
  So
• 7:35
  that
• 7:35
  is
• 7:36
  my
• 7:36
  quick
• 7:36
  action
• 7:37
  step
• 7:37
  for
• 7:37
  today.
• 7:38
  Take
• 7:38
  a
• 7:38
  look
• 7:38
  at
• 7:38
  your
• 7:39
  intentional
• 7:39
  spending.
• 7:40
  Track
• 7:40
  those
• 7:41
  things,
• 7:41
  see
• 7:41
  where
• 7:42
  your
• 7:42
  leaks
• 7:42
  are
• 7:42
  and
• 7:43
  just
• 7:43
  plug
• 7:43
  up
• 7:43
  a
• 7:43
  couple
• 7:44
  of
• 7:44
  those
• 7:44
  and
• 7:44
  make
• 7:45
  some
• 7:45
  quick
• 7:45
  wins
• 7:45
  for
• 7:46
  yourself.
• 7:46
  How
• 7:47
  about
• 7:47
  we
• 7:47
  pray
• 7:47
  together?
• 7:48
  Father
• 7:48
  God,
• 7:49
  we
• 7:49
  just
• 7:49
  thank
• 7:49
  you
• 7:49
  for
• 7:49
  your
• 7:50
  grace.
• 7:50
  And
• 7:50
  we
• 7:51
  thank
• 7:51
  you
• 7:51
  for
• 7:51
  your
• 7:51
  grace
• 7:52
  that
• 7:52
  helps
• 7:52
  us
• 7:52
  get
• 7:52
  back
• 7:52
  on
• 7:53
  track,
• 7:53
  Lord.
• 7:53
  And
• 7:54
  we
• 7:54
  confess
• 7:54
  that
• 7:54
  our
• 7:54
  financial
• 7:55
  habits,
• 7:56
  truth
• 7:56
  be
• 7:56
  told,
• 7:57
  they
• 7:57
  sometimes
• 7:57
  drift
• 7:58
  away
• 7:58
  and
• 7:58
  they
• 7:58
  lead
• 7:59
  us
• 7:59
  to
• 7:59
  what
• 7:59
  we
• 7:59
  call
• 8:00
  this
• 8:00
  budget
• 8:00
  slump.
• 8:01
  And
• 8:01
  they
• 8:01
  lead
• 8:01
  us
• 8:01
  to
• 8:02
  stress
• 8:02
  and
• 8:02
  a
• 8:02
  lack
• 8:03
  of
• 8:03
  peace,
• 8:03
  Lord.
• 8:04
  And
• 8:04
  we
• 8:04
  just
• 8:04
  ask
• 8:04
  that
• 8:04
  you
• 8:05
  would
• 8:05
  grant
• 8:05
  us
• 8:05
  honesty
• 8:06
  in
• 8:06
  our
• 8:06
  review,
• 8:06
  Lord.
• 8:07
  And
• 8:07
  grace,
• 8:07
  when
• 8:07
  we
• 8:07
  see
• 8:08
  our
• 8:08
  imperfections,
• 8:09
  we
• 8:09
  ask
• 8:10
  that
• 8:10
  you
• 8:10
  would
• 8:10
  help
• 8:10
  us
• 8:10
  be
• 8:11
  diligent
• 8:11
  in
• 8:11
  course
• 8:12
  correction
• 8:12
  and
• 8:12
  to
• 8:12
  make
• 8:13
  wise,
• 8:13
  realistic
• 8:14
  adjustments.
• 8:15
  Lord,
• 8:16
  guide
• 8:16
  us
• 8:16
  back
• 8:16
  to
• 8:16
  your
• 8:17
  path
• 8:17
  of
• 8:17
  peace
• 8:18
  and
• 8:18
  intentional
• 8:19
  stewardship.
• 8:19
  And
• 8:19
  we
• 8:20
  ask
• 8:20
  this
• 8:20
  in
• 8:21
  confidence
• 8:22
  in
• 8:22
  in
• 8:22
  Jesus
• 8:23
  name.
• 8:23
  Listen,
• 8:24
  a
• 8:24
  mid
• 8:25
  season
• 8:25
  review
• 8:25
  is
• 8:26
  a
• 8:26
  strength.
• 8:26
  It
• 8:27
  really
• 8:27
  is.
• 8:27
  It's
• 8:27
  not
• 8:28
  a
• 8:28
  sign
• 8:28
  of
• 8:28
  weakness.
• 8:28
  It's
• 8:29
  a
• 8:29
  sign
• 8:29
  that
• 8:29
  you're
• 8:29
  really
• 8:30
  paying
• 8:30
  attention
• 8:31
  to
• 8:31
  what
• 8:31
  is
• 8:32
  going
• 8:32
  on
• 8:33
  in
• 8:33
  your
• 8:33
  financial
• 8:34
  life.
• 8:34
  And
• 8:34
  listen,
• 8:34
  it
• 8:35
  only
• 8:35
  takes
• 8:35
  one
• 8:35
  decision
• 8:36
  and
• 8:36
  you
• 8:37
  can
• 8:37
  make
• 8:37
  that
• 8:37
  decision
• 8:38
  today.
• 8:38
  So
• 8:38
  I'm
• 8:38
  going
• 8:38
  to
• 8:38
  encourage
• 8:39
  you
• 8:39
  today,
• 8:39
  schedule
• 8:40
  that
• 8:40
  review,
• 8:40
  make
• 8:41
  just
• 8:41
  one
• 8:41
  change
• 8:42
  and
• 8:42
  hey,
• 8:42
  regain
• 8:43
  your
• 8:43
  peace.
• 8:44
  And
• 8:44
  maybe
• 8:45
  you
• 8:45
  know
• 8:45
  someone
• 8:45
  else
• 8:45
  who's
• 8:46
  feeling
• 8:46
  out
• 8:46
  of
• 8:46
  control
• 8:47
  with
• 8:47
  some
• 8:47
  are
• 8:47
  spending.
• 8:47
  I'm
• 8:48
  going
• 8:48
  to
• 8:48
  encourage
• 8:48
  you
• 8:48
  right
• 8:48
  now,
• 8:49
  you
• 8:49
  share
• 8:49
  the
• 8:49
  show
• 8:50
  with
• 8:50
  them.
• 8:50
  You
• 8:50
  can
• 8:50
  even
• 8:51
  share
• 8:51
  this
• 8:51
  particular
• 8:51
  episode
• 8:52
  with
• 8:52
  them.
• 8:52
  Just
• 8:52
  point
• 8:53
  them
• 8:53
  to
• 8:53
  financially
• 8:54
  confidentchristian.com
• 8:56
  say,
• 8:56
  hey,
• 8:56
  Ralph
• 8:57
  did
• 8:57
  a
• 8:57
  show
• 8:57
  on
• 8:58
  the
• 8:58
  summer
• 8:58
  slump.
• 8:58
  You
• 8:59
  got
• 8:59
  to
• 8:59
  check
• 8:59
  this
• 8:59
  out.
• 9:00
  I've
• 9:00
  really
• 9:00
  got
• 9:00
  a
• 9:01
  lot
• 9:01
  from
• 9:01
  it.
• 9:01
  Maybe
• 9:01
  you're
• 9:01
  feeling
• 9:02
  the
• 9:02
  same
• 9:02
  way
• 9:02
  I
• 9:02
  feel.
• 9:02
  Hey,
• 9:03
  that's
• 9:03
  how
• 9:03
  we
• 9:03
  grow
• 9:04
  the
• 9:04
  show
• 9:04
  and
• 9:04
  that's
• 9:05
  how
• 9:05
  we're
• 9:05
  able
• 9:05
  to
• 9:05
  impact
• 9:06
  more
• 9:06
  people.
• 9:06
  So
• 9:07
  again,
• 9:07
  I'm
• 9:07
  going
• 9:07
  to
• 9:07
  encourage
• 9:08
  you
• 9:08
  to
• 9:08
  do
• 9:08
  that
• 9:08
  now
• 9:09
  on
• 9:09
  tomorrow's
• 9:09
  show.
• 9:10
  We're
• 9:10
  going
• 9:10
  to
• 9:10
  talk
• 9:10
  about
• 9:11
  how
• 9:11
  to
• 9:11
  overcome
• 9:12
  summer
• 9:12
  FOMO
• 9:13
  spending.
• 9:13
  You
• 9:13
  don't
• 9:14
  want
• 9:14
  to
• 9:14
  miss
• 9:14
  that
• 9:14
  one.
• 9:15
  Now,
• 9:15
  let's
• 9:15
  all
• 9:15
  go
• 9:15
  out
• 9:15
  there
• 9:16
  today
• 9:16
  and
• 9:16
  be
• 9:17
  those
• 9:17
  financially
• 9:18
  confident
• 9:18
  Christians.
• 9:19
  You
• 9:19
  can
• 9:20
  do
• 9:20
  this.
• 9:20
  I
• 9:21
  have
• 9:21
  confidence
• 9:22
  in
• 9:22
  you.
• 9:22
  Have
• 9:23
  confidence
• 9:23
  in
• 9:23
  yourself.
• 9:23
  Stay
• 9:24
  financially
• 9:24
  savvy.
• 9:25
  God
• 9:25
  bless
• 9:26
  you,
• 9:26
  and
• 9:26
  you
• 9:26
  have
• 9:27
  a
• 9:27
  great
• 9:27
  day.