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Overspent Again? Adjust Without Shame. · Becoming Financially Confident

• 0:37
  Has
• 0:37
  your
• 0:37
  budget
• 0:38
  ever
• 0:38
  fallen
• 0:38
  apart
• 0:39
  mid
• 0:39
  month
• 0:39
  and
• 0:39
  left
• 0:39
  you
• 0:40
  feeling
• 0:40
  defeated?
• 0:41
  An
• 0:41
  unexpected
• 0:42
  bill,
• 0:42
  that
• 0:42
  birthday
• 0:43
  you
• 0:43
  forgot,
• 0:43
  A
• 0:44
  grocery
• 0:44
  run
• 0:44
  that
• 0:45
  cost
• 0:45
  too
• 0:45
  much,
• 0:46
  a
• 0:46
  week
• 0:46
  that
• 0:46
  felt,
• 0:47
  well,
• 0:47
  heavier
• 0:47
  than
• 0:48
  usual.
• 0:49
  Budgets
• 0:49
  break,
• 0:49
  but
• 0:50
  here's
• 0:50
  the
• 0:50
  truth.
• 0:51
  They're
• 0:51
  not
• 0:51
  stone
• 0:52
  tablets,
• 0:52
  they're
• 0:53
  tools.
• 0:53
  And
• 0:54
  adjusting
• 0:54
  your
• 0:54
  budget
• 0:55
  is
• 0:55
  not
• 0:55
  failure.
• 0:56
  It's
• 0:56
  wisdom.
• 0:57
  Let's
• 0:57
  talk
• 0:57
  about
• 0:57
  how
• 0:57
  to
• 0:58
  stop
• 0:58
  overspending
• 0:58
  on
• 0:59
  today's
• 0:59
  show.
• 1:22
  Hey,
• 1:22
  friend.
• 1:22
  Ralph
• 1:23
  Estep
• 1:23
  Jr.
• 1:24
  Here
• 1:24
  from
• 1:24
  the
• 1:25
  financially
• 1:25
  confident
• 1:25
  Christian.
• 1:26
  We
• 1:26
  learn
• 1:27
  how
• 1:27
  to
• 1:27
  walk
• 1:27
  through
• 1:27
  life
• 1:28
  and
• 1:28
  money
• 1:28
  with
• 1:29
  wisdom,
• 1:29
  with
• 1:30
  peace,
• 1:30
  and
• 1:31
  a
• 1:31
  heart
• 1:31
  anchored
• 1:32
  in
• 1:32
  God's
• 1:32
  truth.
• 1:33
  My
• 1:33
  mission
• 1:33
  is
• 1:34
  simple.
• 1:34
  To
• 1:34
  help
• 1:34
  you
• 1:35
  break
• 1:35
  that
• 1:35
  cycle
• 1:36
  of
• 1:36
  financial
• 1:36
  shame
• 1:36
  and
• 1:37
  build
• 1:37
  steady
• 1:37
  habits
• 1:38
  rooted
• 1:38
  in
• 1:38
  faith
• 1:39
  so
• 1:39
  that
• 1:39
  you
• 1:39
  could
• 1:40
  become
• 1:40
  the
• 1:40
  kind
• 1:40
  of
• 1:40
  believer
• 1:41
  who
• 1:41
  handles
• 1:41
  money
• 1:42
  with
• 1:42
  clarity,
• 1:43
  with
• 1:43
  confidence,
• 1:44
  and
• 1:44
  yes,
• 1:45
  with
• 1:45
  spiritual
• 1:45
  purpose.
• 1:46
  Yesterday
• 1:47
  we
• 1:47
  talked
• 1:47
  all
• 1:47
  about
• 1:48
  tracking,
• 1:48
  staying
• 1:49
  aware
• 1:49
  of
• 1:49
  what's
• 1:50
  really
• 1:50
  happening
• 1:50
  with
• 1:51
  your
• 1:51
  money.
• 1:52
  And
• 1:52
  today
• 1:52
  we're
• 1:53
  going
• 1:53
  to
• 1:53
  take
• 1:53
  the
• 1:53
  next
• 1:54
  gentle
• 1:54
  step.
• 1:55
  What
• 1:55
  do
• 1:56
  you
• 1:56
  do
• 1:56
  when
• 1:56
  your
• 1:56
  budget
• 1:56
  doesn't
• 1:57
  go
• 1:57
  as
• 1:57
  planned?
• 1:58
  Because,
• 1:58
  hey,
• 1:58
  listen,
• 1:58
  it
• 1:58
  happens
• 1:59
  to
• 1:59
  all
• 1:59
  of
• 1:59
  us.
• 2:00
  Life
• 2:00
  shifts,
• 2:01
  needs
• 2:02
  change,
• 2:02
  Unexpected
• 2:03
  things
• 2:04
  show
• 2:04
  up.
• 2:05
  But
• 2:05
  guilt
• 2:05
  doesn't
• 2:05
  help
• 2:06
  you
• 2:06
  grow,
• 2:07
  wisdom
• 2:07
  does.
• 2:08
  A
• 2:08
  listener
• 2:08
  asked
• 2:09
  me
• 2:09
  this
• 2:09
  recently.
• 2:09
  Ralph,
• 2:10
  my
• 2:10
  budget
• 2:11
  keeps
• 2:11
  breaking.
• 2:12
  Every
• 2:12
  month
• 2:12
  feels
• 2:13
  off.
• 2:13
  Does
• 2:14
  this
• 2:14
  mean
• 2:14
  I'm
• 2:14
  just
• 2:14
  bad
• 2:15
  at
• 2:15
  budgeting?
• 2:16
  No,
• 2:16
  you're
• 2:17
  not
• 2:17
  bad
• 2:17
  at
• 2:17
  budgeting.
• 2:18
  And
• 2:18
  maybe
• 2:18
  you
• 2:19
  felt
• 2:19
  that
• 2:19
  too.
• 2:19
  You
• 2:20
  start
• 2:20
  strong,
• 2:20
  but
• 2:21
  then
• 2:21
  life
• 2:21
  shifts.
• 2:22
  Something
• 2:23
  unexpected
• 2:23
  pops
• 2:24
  up,
• 2:24
  that
• 2:24
  category
• 2:25
  goes
• 2:25
  over,
• 2:26
  the
• 2:26
  numbers
• 2:26
  don't
• 2:27
  match
• 2:27
  your
• 2:27
  plan,
• 2:28
  and
• 2:28
  instead
• 2:29
  of
• 2:29
  adjusting,
• 2:29
  you
• 2:30
  feel
• 2:30
  embarrassed,
• 2:31
  you
• 2:31
  feel
• 2:31
  frustrated,
• 2:32
  you
• 2:32
  feel
• 2:32
  heavy.
• 2:32
  Like,
• 2:33
  I
• 2:33
  always
• 2:34
  fail
• 2:34
  at
• 2:34
  this
• 2:36
  friend.
• 2:36
  First
• 2:36
  of
• 2:37
  all,
• 2:37
  you
• 2:37
  haven't
• 2:37
  failed.
• 2:38
  Budgets
• 2:39
  break
• 2:39
  because
• 2:39
  life
• 2:40
  is
• 2:40
  real.
• 2:41
  You're
• 2:41
  not
• 2:41
  broken.
• 2:42
  Your
• 2:42
  plan
• 2:42
  just
• 2:43
  needs
• 2:43
  a
• 2:43
  little
• 2:43
  tuning.
• 2:44
  Studies
• 2:45
  show
• 2:45
  that
• 2:45
  flexible
• 2:46
  budgets
• 2:47
  lead
• 2:47
  to
• 2:47
  far
• 2:47
  more
• 2:48
  long
• 2:48
  term
• 2:48
  success
• 2:49
  than
• 2:49
  rigid
• 2:50
  ones.
• 2:50
  And
• 2:51
  people
• 2:51
  who
• 2:51
  adjust
• 2:52
  early
• 2:52
  and
• 2:52
  without
• 2:53
  shame
• 2:53
  are
• 2:53
  significantly
• 2:54
  more
• 2:54
  likely
• 2:55
  to
• 2:55
  stick
• 2:55
  with
• 2:55
  budgeting
• 2:56
  for
• 2:56
  the
• 2:56
  long
• 2:57
  haul.
• 2:57
  That
• 2:57
  flexibility
• 2:58
  isn't
• 2:59
  weakness,
• 2:59
  it's
• 3:00
  actually
• 3:00
  wisdom.
• 3:01
  And
• 3:01
  I've
• 3:01
  seen
• 3:01
  it
• 3:02
  over
• 3:02
  30
• 3:02
  years
• 3:03
  as
• 3:03
  an
• 3:03
  accountant,
• 3:04
  as
• 3:04
  a
• 3:04
  coach,
• 3:04
  and
• 3:05
  hey,
• 3:05
  the
• 3:05
  encourager
• 3:06
  in
• 3:06
  chief.
• 3:07
  I've
• 3:07
  seen
• 3:07
  this
• 3:07
  pattern
• 3:08
  over
• 3:08
  and
• 3:09
  over
• 3:09
  again.
• 3:10
  People
• 3:10
  who
• 3:10
  feel
• 3:11
  guilty
• 3:11
  quit
• 3:11
  budgeting.
• 3:12
  But
• 3:12
  people
• 3:13
  who
• 3:13
  feel
• 3:13
  empowered
• 3:14
  keep
• 3:14
  going.
• 3:14
  The
• 3:15
  goal
• 3:15
  is
• 3:15
  not
• 3:15
  perfection.
• 3:16
  The
• 3:16
  goal
• 3:17
  is
• 3:17
  progress.
• 3:18
  Budgets
• 3:19
  are
• 3:19
  meant
• 3:19
  to
• 3:19
  be
• 3:19
  adjusted.
• 3:20
  Often,
• 3:21
  a
• 3:21
  man
• 3:22
  in
• 3:22
  our
• 3:22
  community,
• 3:22
  and
• 3:22
  I'm
• 3:23
  going
• 3:23
  to
• 3:23
  call
• 3:23
  him
• 3:23
  Chris,
• 3:24
  felt
• 3:24
  defeated
• 3:25
  every
• 3:25
  time
• 3:25
  his
• 3:25
  grocery
• 3:26
  category
• 3:26
  went
• 3:27
  over.
• 3:27
  He
• 3:27
  told
• 3:27
  me,
• 3:27
  ralph,
• 3:28
  every
• 3:28
  time
• 3:28
  it
• 3:28
  breaks,
• 3:29
  I
• 3:29
  just
• 3:29
  want
• 3:29
  to
• 3:29
  throw
• 3:30
  the
• 3:30
  whole
• 3:30
  budget
• 3:30
  away.
• 3:31
  So
• 3:32
  we
• 3:32
  made
• 3:32
  one
• 3:32
  simple
• 3:33
  change.
• 3:34
  Instead
• 3:34
  of
• 3:34
  feeling
• 3:35
  guilty,
• 3:35
  he
• 3:35
  shifted
• 3:36
  money
• 3:36
  from
• 3:36
  the
• 3:36
  extras
• 3:37
  category
• 3:38
  into
• 3:38
  groceries.
• 3:39
  As
• 3:39
  soon
• 3:39
  as
• 3:39
  he
• 3:39
  saw
• 3:40
  he
• 3:40
  was
• 3:40
  Going
• 3:40
  over.
• 3:41
  No
• 3:41
  shame,
• 3:42
  no
• 3:42
  panic,
• 3:42
  just
• 3:43
  a
• 3:43
  small
• 3:43
  wise
• 3:44
  adjustment.
• 3:45
  And
• 3:45
  he
• 3:45
  told
• 3:46
  me
• 3:46
  later,
• 3:46
  he
• 3:46
  said,
• 3:46
  you
• 3:47
  know,
• 3:47
  Ralph,
• 3:47
  the
• 3:47
  moment
• 3:48
  I
• 3:48
  stopped
• 3:48
  beating
• 3:48
  myself
• 3:49
  up,
• 3:50
  budgeting
• 3:50
  actually
• 3:51
  started
• 3:51
  working.
• 3:52
  See,
• 3:52
  that's
• 3:52
  how
• 3:53
  powerful
• 3:53
  gentle
• 3:54
  adjustments
• 3:55
  can
• 3:55
  be.
• 3:56
  So
• 3:56
  let
• 3:56
  me
• 3:56
  ask
• 3:56
  you,
• 3:57
  what
• 3:57
  if
• 3:57
  adjusting
• 3:58
  your
• 3:58
  budget
• 3:58
  didn't
• 3:59
  feel
• 3:59
  like
• 3:59
  failure
• 4:00
  but
• 4:00
  actually
• 4:00
  felt
• 4:01
  like
• 4:01
  faithfulness?
• 4:02
  Let's
• 4:02
  walk
• 4:02
  through
• 4:02
  that
• 4:03
  together.
• 4:04
  Here's
• 4:04
  the
• 4:04
  truth.
• 4:05
  Life
• 4:05
  changes.
• 4:06
  So
• 4:07
  should
• 4:07
  your
• 4:07
  budget.
• 4:08
  Your
• 4:08
  budget
• 4:08
  is
• 4:09
  a
• 4:09
  living
• 4:09
  plan,
• 4:09
  not
• 4:09
  some
• 4:10
  rigid
• 4:10
  rule
• 4:11
  on
• 4:11
  concrete
• 4:11
  tablets.
• 4:12
  When
• 4:13
  something
• 4:13
  unexpected
• 4:14
  happens.
• 4:15
  And
• 4:15
  listen,
• 4:15
  in
• 4:15
  life
• 4:16
  unexpected
• 4:17
  happens,
• 4:17
  the
• 4:18
  budget
• 4:18
  adapts.
• 4:19
  Not
• 4:19
  your
• 4:19
  sense
• 4:20
  of
• 4:20
  worth,
• 4:20
  just
• 4:20
  a
• 4:21
  budget.
• 4:22
  And
• 4:22
  that
• 4:22
  guilt
• 4:23
  that
• 4:23
  you
• 4:23
  feel
• 4:23
  doesn't
• 4:24
  help
• 4:24
  you
• 4:24
  grow.
• 4:24
  Guilt
• 4:25
  makes
• 4:25
  you
• 4:25
  quit,
• 4:26
  but
• 4:27
  wisdom
• 4:27
  keeps
• 4:27
  you
• 4:27
  moving.
• 4:28
  Every
• 4:28
  great
• 4:28
  steward
• 4:29
  revises
• 4:30
  their
• 4:30
  plan
• 4:30
  as
• 4:30
  life
• 4:31
  shifts.
• 4:31
  And
• 4:31
  listen,
• 4:31
  I've
• 4:32
  been
• 4:32
  doing
• 4:32
  this
• 4:32
  for
• 4:32
  a
• 4:32
  long
• 4:32
  time.
• 4:33
  You
• 4:33
  have
• 4:34
  to
• 4:34
  be
• 4:34
  flexible.
• 4:35
  That
• 4:35
  grace
• 4:36
  and
• 4:36
  adjustment
• 4:36
  go
• 4:37
  hand
• 4:37
  in
• 4:37
  hand.
• 4:38
  And
• 4:38
  that
• 4:38
  flexibility
• 4:39
  you're
• 4:39
  building,
• 4:39
  that
• 4:39
  muscle
• 4:40
  is
• 4:40
  a
• 4:41
  strength.
• 4:41
  Being
• 4:42
  flexible
• 4:42
  is
• 4:42
  not
• 4:43
  being
• 4:43
  careless.
• 4:44
  It's
• 4:44
  being
• 4:44
  realistic.
• 4:45
  It's
• 4:45
  being
• 4:46
  responsive.
• 4:46
  And
• 4:47
  yes,
• 4:47
  it's
• 4:48
  being
• 4:48
  wise.
• 4:48
  And
• 4:49
  adjusting
• 4:49
  early
• 4:50
  prevents
• 4:50
  stress
• 4:50
  later.
• 4:51
  So
• 4:51
  what
• 4:51
  I'm
• 4:52
  going
• 4:52
  to
• 4:52
  encourage
• 4:52
  you
• 4:52
  to
• 4:52
  do,
• 4:52
  Adjust
• 4:53
  early.
• 4:54
  Don't
• 4:54
  wait.
• 4:54
  Don't
• 4:54
  do
• 4:54
  it
• 4:55
  late.
• 4:55
  Don't
• 4:55
  wait
• 4:55
  until
• 4:56
  the
• 4:56
  end
• 4:56
  of
• 4:56
  the
• 4:56
  month
• 4:56
  to
• 4:57
  fix
• 4:57
  things.
• 4:57
  When
• 4:58
  a
• 4:58
  category
• 4:58
  goes
• 4:58
  over,
• 4:59
  when
• 4:59
  a
• 4:59
  bill
• 4:59
  surprises
• 5:00
  you,
• 5:00
  hey,
• 5:00
  surprise.
• 5:01
  When
• 5:01
  something
• 5:02
  looks
• 5:02
  off,
• 5:03
  adjust
• 5:03
  it
• 5:03
  right
• 5:04
  then.
• 5:04
  Those
• 5:04
  small
• 5:05
  mid
• 5:05
  month
• 5:05
  corrections
• 5:06
  keep
• 5:06
  your
• 5:06
  budget
• 5:07
  alive.
• 5:07
  And
• 5:07
  that's
• 5:07
  the
• 5:08
  whole
• 5:08
  goal,
• 5:08
  to
• 5:08
  keep
• 5:09
  doing
• 5:09
  it.
• 5:09
  Let's
• 5:09
  look
• 5:10
  at
• 5:10
  the
• 5:10
  Book
• 5:10
  of
• 5:10
  James,
• 5:11
  chapter
• 5:11
  one,
• 5:11
  verse
• 5:12
  five.
• 5:13
  If
• 5:13
  any
• 5:13
  of
• 5:13
  you
• 5:13
  lacks
• 5:14
  wisdom,
• 5:14
  you
• 5:15
  should
• 5:15
  ask
• 5:15
  God
• 5:16
  who
• 5:16
  gives
• 5:16
  generously
• 5:17
  to
• 5:17
  all
• 5:17
  without
• 5:18
  finding
• 5:18
  fault,
• 5:19
  and
• 5:19
  it
• 5:19
  will
• 5:19
  be
• 5:20
  given
• 5:20
  to
• 5:20
  you.
• 5:21
  See,
• 5:21
  God
• 5:22
  doesn't
• 5:22
  shame
• 5:22
  you
• 5:22
  for
• 5:22
  needing
• 5:23
  wisdom.
• 5:24
  He
• 5:24
  invites
• 5:25
  you
• 5:25
  to
• 5:25
  ask
• 5:25
  for
• 5:25
  it
• 5:26
  and
• 5:26
  he
• 5:26
  gives
• 5:27
  it
• 5:27
  without
• 5:28
  finding
• 5:28
  fault.
• 5:29
  And
• 5:29
  that
• 5:30
  includes
• 5:30
  your
• 5:30
  budget
• 5:30
  journey
• 5:31
  as
• 5:31
  well.
• 5:32
  Lord,
• 5:32
  thank
• 5:33
  you
• 5:33
  for
• 5:33
  grace
• 5:33
  in
• 5:34
  every
• 5:34
  step
• 5:34
  we
• 5:34
  take.
• 5:35
  Thank
• 5:35
  you
• 5:36
  for
• 5:36
  patience
• 5:36
  as
• 5:37
  we
• 5:37
  learn.
• 5:37
  Help
• 5:38
  us
• 5:38
  adjust
• 5:38
  our
• 5:38
  budgets
• 5:39
  with
• 5:39
  wisdom
• 5:39
  and
• 5:40
  without
• 5:40
  guilt.
• 5:41
  Give
• 5:41
  us
• 5:41
  clarity,
• 5:42
  Lord.
• 5:42
  Give
• 5:43
  us
• 5:43
  freedom
• 5:43
  and
• 5:43
  give
• 5:43
  us
• 5:44
  steady
• 5:44
  courage
• 5:45
  as
• 5:45
  we
• 5:45
  keep
• 5:45
  moving
• 5:46
  forward.
• 5:47
  And
• 5:47
  we
• 5:47
  ask
• 5:47
  this
• 5:48
  in
• 5:48
  Jesus
• 5:48
  name.
• 5:49
  Amen.
• 5:50
  Today's
• 5:51
  step
• 5:51
  is
• 5:51
  this.
• 5:52
  Look
• 5:52
  at
• 5:52
  your
• 5:52
  budget
• 5:53
  and
• 5:53
  adjust
• 5:53
  one
• 5:53
  category
• 5:54
  to
• 5:54
  fit
• 5:55
  your
• 5:55
  real
• 5:55
  life.
• 5:55
  Just
• 5:56
  one,
• 5:56
  just
• 5:56
  a
• 5:57
  small
• 5:57
  adjustment
• 5:58
  can
• 5:58
  create
• 5:58
  long
• 5:58
  term
• 5:59
  peace.
• 6:00
  And
• 6:00
  I
• 6:00
  love
• 6:00
  what
• 6:00
  a
• 6:00
  community
• 6:01
  member
• 6:01
  recently
• 6:02
  shared.
• 6:02
  I
• 6:02
  used
• 6:03
  to
• 6:03
  feel
• 6:03
  ashamed
• 6:03
  every
• 6:04
  time
• 6:04
  something
• 6:04
  didn't
• 6:05
  go
• 6:05
  as
• 6:05
  planned,
• 6:05
  Ralph.
• 6:06
  But
• 6:06
  this
• 6:06
  group
• 6:07
  helped
• 6:07
  me
• 6:07
  see
• 6:07
  that
• 6:07
  adjusting
• 6:08
  isn't
• 6:08
  failure,
• 6:09
  it's
• 6:09
  wisdom.
• 6:10
  And
• 6:10
  it's
• 6:10
  part
• 6:10
  of
• 6:11
  the
• 6:11
  process,
• 6:12
  friend.
• 6:12
  You
• 6:13
  don't
• 6:13
  have
• 6:13
  to
• 6:13
  carry
• 6:13
  guilt
• 6:14
  either.
• 6:14
  And
• 6:14
  you
• 6:15
  definitely
• 6:15
  don't
• 6:15
  have
• 6:15
  to
• 6:15
  walk
• 6:16
  alone.
• 6:16
  Come
• 6:17
  and
• 6:17
  join
• 6:17
  us
• 6:17
  in
• 6:17
  the
• 6:17
  group.
• 6:18
  It's
• 6:18
  free,
• 6:19
  it's
• 6:19
  warm,
• 6:19
  and
• 6:20
  there's
• 6:20
  no
• 6:20
  judgment
• 6:21
  here.
• 6:21
  Come
• 6:21
  and
• 6:22
  see
• 6:22
  us@financiallyconfidentchristian.com
• 6:24
  join.
• 6:26
  That's
• 6:26
  financiallyconfidentchristian.com
• 6:29
  join
• 6:30
  because
• 6:30
  we
• 6:30
  walk
• 6:30
  this
• 6:31
  road
• 6:31
  together.
• 6:32
  Remember,
• 6:33
  a
• 6:33
  broken
• 6:33
  budget
• 6:34
  is
• 6:34
  not
• 6:34
  a
• 6:34
  broken
• 6:35
  you.
• 6:36
  Those
• 6:36
  adjustments
• 6:37
  are
• 6:37
  normal.
• 6:37
  They're
• 6:38
  wise
• 6:38
  and.
• 6:38
  And
• 6:39
  honestly,
• 6:39
  they're
• 6:39
  part
• 6:39
  of
• 6:40
  faithful
• 6:40
  stewardship
• 6:41
  because
• 6:41
  you
• 6:42
  are
• 6:42
  learning,
• 6:42
  you
• 6:43
  are
• 6:43
  growing,
• 6:43
  and
• 6:44
  you're
• 6:44
  becoming
• 6:44
  steady
• 6:45
  and
• 6:45
  spiritually
• 6:46
  anchored.
• 6:47
  So
• 6:47
  go
• 6:47
  out
• 6:47
  there
• 6:47
  today
• 6:48
  and
• 6:48
  be
• 6:48
  the
• 6:48
  financially
• 6:49
  confident
• 6:49
  Christian
• 6:50
  that
• 6:50
  I
• 6:50
  know
• 6:50
  you
• 6:50
  can
• 6:50
  be.
• 6:51
  You
• 6:51
  can
• 6:51
  do
• 6:51
  this.
• 6:52
  Have
• 6:52
  confidence
• 6:53
  in
• 6:53
  you,
• 6:53
  stay
• 6:54
  financially
• 6:54
  savvy,
• 6:55
  God
• 6:55
  bless
• 6:55
  you,
• 6:55
  and
• 6:56
  I'll
• 6:56
  see
• 6:56
  you
• 6:56
  again
• 6:56
  on
• 6:56
  tomorrow's
• 6:57
  show.