Latest / Becoming Financially Confident / Are Your Subscriptions Still Serving Your Budget This Fall?

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Are Your Subscriptions Still Serving Your Budget This Fall? · Becoming Financially Confident

• 0:37
  Netflix,
• 0:38
  Spotify,
• 0:39
  fitness
• 0:40
  apps,
• 0:40
  meal
• 0:40
  kits,
• 0:41
  you
• 0:41
  signed
• 0:42
  up
• 0:42
  for
• 0:42
  them
• 0:42
  all.
• 0:43
  Are
• 0:44
  they
• 0:44
  secretly
• 0:44
  draining
• 0:45
  your
• 0:45
  bank
• 0:45
  account?
• 0:46
  Especially
• 0:47
  if
• 0:47
  you
• 0:47
  barely
• 0:48
  use
• 0:48
  them
• 0:48
  anymore.
• 0:49
  What
• 0:50
  if
• 0:50
  I
• 0:50
  told
• 0:50
  you
• 0:50
  a
• 0:50
  quick
• 0:51
  check
• 0:51
  could
• 0:52
  reclaim
• 0:52
  hundreds
• 0:52
  of
• 0:53
  dollars
• 0:53
  for
• 0:53
  your
• 0:53
  fall
• 0:54
  budget?
• 0:54
  Well,
• 0:54
  stick
• 0:55
  with
• 0:55
  me
• 0:55
  today
• 0:55
  because
• 0:55
  I'm
• 0:56
  sharing
• 0:56
  exactly
• 0:56
  how
• 0:57
  to
• 0:57
  find
• 0:57
  that
• 0:57
  hidden
• 0:58
  cash
• 0:58
  on
• 0:59
  today's
• 0:59
  show.
• 1:01
  This
• 1:01
  is
• 1:01
  Financially
• 1:02
  Confident
• 1:02
  Christian,
• 1:03
  your
• 1:03
  daily
• 1:04
  dose
• 1:04
  of
• 1:04
  gospel
• 1:05
  grounded
• 1:05
  insight
• 1:05
  and
• 1:06
  faith
• 1:06
  driven
• 1:06
  tips
• 1:07
  to
• 1:07
  help
• 1:07
  you
• 1:07
  break
• 1:08
  the
• 1:08
  cycle
• 1:08
  of
• 1:08
  financial
• 1:09
  shame
• 1:09
  with
• 1:09
  confidence.
• 1:12
  Hey
• 1:13
  there.
• 1:13
  Welcome
• 1:13
  back
• 1:13
  to
• 1:14
  your
• 1:14
  Financially
• 1:15
  Confident
• 1:15
  Christian.
• 1:15
  I'm
• 1:16
  Ralph
• 1:16
  and
• 1:16
  this
• 1:16
  is
• 1:17
  the
• 1:17
  show
• 1:17
  that
• 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
• 1:20
  how
• 1:20
  can
• 1:20
  I
• 1:20
  become
• 1:21
  a
• 1:21
  financially
• 1:22
  confident
• 1:22
  Christian?
• 1:23
  And
• 1:23
  we
• 1:23
  are
• 1:23
  in
• 1:23
  our
• 1:24
  series
• 1:24
  Smart
• 1:24
  Money
• 1:24
  Move
• 1:25
  for
• 1:25
  Back
• 1:25
  to
• 1:25
  school
• 1:26
  and
• 1:26
  beyond.
• 1:26
  Yes,
• 1:27
  we're
• 1:27
  studying
• 1:28
  some
• 1:28
  smart
• 1:28
  money
• 1:28
  moves
• 1:29
  as
• 1:29
  we
• 1:29
  get
• 1:30
  back
• 1:30
  into
• 1:30
  the
• 1:31
  fall
• 1:31
  back
• 1:31
  to
• 1:31
  school
• 1:32
  routine.
• 1:32
  Now
• 1:33
  yesterday
• 1:33
  we
• 1:33
  talked
• 1:34
  about
• 1:34
  mastering
• 1:34
  meal
• 1:35
  planning.
• 1:35
  It
• 1:35
  made
• 1:35
  me
• 1:36
  hungry.
• 1:36
  But
• 1:36
  we
• 1:36
  talked
• 1:37
  about
• 1:37
  delicious,
• 1:38
  healthy
• 1:38
  and
• 1:38
  yes,
• 1:39
  bold,
• 1:39
  budget
• 1:40
  friendly
• 1:40
  dinner.
• 1:40
  So
• 1:40
  if
• 1:41
  you
• 1:41
  missed
• 1:41
  that
• 1:41
  show,
• 1:41
  I'm
• 1:42
  going
• 1:42
  to
• 1:42
  encourage
• 1:42
  you
• 1:42
  to
• 1:42
  go
• 1:43
  check
• 1:43
  it
• 1:43
  out.
• 1:43
  You
• 1:44
  can
• 1:44
  find
• 1:44
  all
• 1:44
  of
• 1:44
  our
• 1:44
  shows@financiallyconfidentchristian.com
• 1:48
  now
• 1:49
  today
• 1:49
  we're
• 1:49
  going
• 1:49
  to
• 1:49
  dive
• 1:50
  into
• 1:50
  another
• 1:51
  common
• 1:51
  area
• 1:51
  where
• 1:52
  money
• 1:52
  can
• 1:52
  silently
• 1:53
  slip
• 1:53
  away.
• 1:54
  And
• 1:54
  that's
• 1:54
  one
• 1:54
  that
• 1:54
  I.
• 1:55
  Listen,
• 1:55
  I'm
• 1:55
  guilty
• 1:56
  of
• 1:56
  this.
• 1:56
  That's
• 1:57
  those
• 1:57
  subscriptions
• 1:58
  and
• 1:58
  memberships.
• 1:59
  So
• 1:59
  I'm
• 2:00
  going
• 2:00
  to
• 2:00
  answer
• 2:00
  this
• 2:00
  question
• 2:01
  today.
• 2:01
  Are
• 2:02
  your
• 2:02
  subscriptions
• 2:03
  still
• 2:03
  serving
• 2:03
  your
• 2:04
  budget
• 2:04
  this
• 2:04
  fall
• 2:04
  or
• 2:05
  are
• 2:05
  they
• 2:05
  silently
• 2:06
  just
• 2:06
  draining
• 2:06
  your
• 2:07
  bank
• 2:07
  account?
• 2:08
  Hey,
• 2:08
  you
• 2:08
  know
• 2:09
  that
• 2:09
  feeling
• 2:09
  all
• 2:09
  too
• 2:10
  well.
• 2:10
  You
• 2:10
  sign
• 2:11
  up
• 2:11
  for
• 2:11
  a
• 2:11
  new
• 2:11
  streaming
• 2:12
  service.
• 2:12
  Oh,
• 2:12
  I
• 2:12
  gotta
• 2:13
  have
• 2:13
  this
• 2:13
  one.
• 2:13
  There's
• 2:13
  this
• 2:14
  show
• 2:14
  I
• 2:14
  really
• 2:15
  want
• 2:15
  to
• 2:15
  watch.
• 2:15
  Or
• 2:16
  maybe
• 2:16
  it's
• 2:16
  an
• 2:16
  app,
• 2:17
  you
• 2:17
  know,
• 2:17
  oh,
• 2:17
  this
• 2:17
  apple
• 2:18
  make
• 2:18
  me
• 2:18
  super
• 2:18
  productive
• 2:19
  in
• 2:19
  my
• 2:19
  life.
• 2:19
  And
• 2:20
  so
• 2:20
  you
• 2:20
  click
• 2:20
  on
• 2:20
  it.
• 2:20
  Oh,
• 2:21
  it's
• 2:21
  just
• 2:21
  a
• 2:21
  30
• 2:22
  day
• 2:22
  trial.
• 2:22
  And
• 2:22
  then
• 2:22
  of
• 2:23
  course
• 2:23
  in
• 2:23
  the
• 2:23
  fine
• 2:23
  print
• 2:24
  it
• 2:24
  says
• 2:24
  your
• 2:25
  credit
• 2:25
  card
• 2:25
  will
• 2:25
  be
• 2:25
  charged
• 2:26
  after
• 2:26
  the
• 2:26
  30
• 2:27
  day
• 2:27
  trial.
• 2:28
  Or
• 2:28
  maybe
• 2:28
  you
• 2:28
  try
• 2:29
  one
• 2:29
  of
• 2:29
  those
• 2:29
  fun
• 2:29
  subscription
• 2:30
  boxes
• 2:31
  everybody
• 2:31
  in
• 2:32
  the
• 2:32
  neighborhood
• 2:32
  has
• 2:32
  you,
• 2:33
  well
• 2:33
  I
• 2:33
  gotta
• 2:33
  try
• 2:33
  that
• 2:33
  too.
• 2:34
  And
• 2:34
  you
• 2:34
  sign
• 2:35
  up
• 2:35
  for
• 2:35
  it
• 2:36
  and
• 2:36
  after
• 2:36
  a
• 2:36
  while
• 2:36
  you
• 2:37
  just
• 2:37
  forget
• 2:37
  about
• 2:37
  it.
• 2:38
  But
• 2:38
  listen,
• 2:38
  they
• 2:39
  don't
• 2:39
  forget
• 2:39
  about
• 2:39
  taking
• 2:39
  the
• 2:40
  money
• 2:40
  from
• 2:40
  your
• 2:40
  account.
• 2:41
  So
• 2:41
  that
• 2:41
  money's
• 2:42
  still
• 2:42
  being
• 2:42
  deducted
• 2:43
  and
• 2:43
  worst
• 2:43
  part
• 2:44
  is
• 2:44
  being
• 2:44
  coming
• 2:44
  out
• 2:44
  automatically.
• 2:46
  You've
• 2:46
  got
• 2:46
  those
• 2:47
  automatic
• 2:47
  payments.
• 2:48
  And
• 2:48
  listen,
• 2:49
  they're
• 2:49
  small
• 2:49
  individually,
• 2:50
  maybe
• 2:51
  $6
• 2:52
  here,
• 2:52
  $7
• 2:53
  there,
• 2:53
  maybe
• 2:54
  12.95,
• 2:55
  you
• 2:55
  get
• 2:55
  the
• 2:55
  idea.
• 2:56
  But
• 2:56
  they
• 2:57
  add
• 2:57
  up
• 2:57
  to
• 2:57
  be
• 2:57
  a
• 2:57
  significant
• 2:58
  financial
• 2:59
  drain
• 2:59
  every
• 2:59
  month.
• 3:00
  It's
• 3:00
  what
• 3:00
  I
• 3:01
  call
• 3:01
  the
• 3:01
  silent
• 3:01
  budget
• 3:02
  leaks.
• 3:03
  And
• 3:03
  it's
• 3:03
  this
• 3:04
  overall
• 3:04
  sense
• 3:04
  of
• 3:05
  losing
• 3:05
  control
• 3:05
  over
• 3:06
  your
• 3:06
  money.
• 3:07
  And
• 3:07
  as
• 3:07
  you
• 3:07
  think
• 3:08
  about
• 3:08
  that,
• 3:09
  you
• 3:09
  start
• 3:09
  realizing
• 3:10
  that
• 3:10
  your
• 3:10
  hard
• 3:10
  earned
• 3:11
  money
• 3:11
  goes
• 3:11
  to
• 3:11
  unused
• 3:12
  services
• 3:13
  or
• 3:13
  membership.
• 3:13
  Hey,
• 3:14
  it
• 3:14
  happened
• 3:14
  to
• 3:14
  me
• 3:14
  the
• 3:14
  other
• 3:15
  day.
• 3:15
  I
• 3:15
  didn't
• 3:15
  even
• 3:15
  realize
• 3:16
  it.
• 3:16
  I
• 3:16
  was
• 3:16
  looking
• 3:17
  at
• 3:17
  my
• 3:17
  credit
• 3:17
  card
• 3:18
  statement
• 3:18
  and
• 3:18
  I
• 3:19
  saw
• 3:19
  this
• 3:19
  subscription.
• 3:20
  This
• 3:20
  is
• 3:20
  a
• 3:20
  service
• 3:21
  I
• 3:21
  haven't
• 3:21
  used.
• 3:21
  And
• 3:22
  to
• 3:22
  be
• 3:22
  blunt,
• 3:23
  probably
• 3:23
  16,
• 3:24
  17,
• 3:24
  maybe
• 3:24
  a
• 3:25
  year
• 3:25
  and
• 3:25
  a
• 3:25
  half.
• 3:26
  And
• 3:26
  I
• 3:26
  said
• 3:26
  to
• 3:27
  myself,
• 3:27
  Ralph,
• 3:27
  why
• 3:27
  haven't
• 3:28
  you
• 3:28
  canceled
• 3:28
  this?
• 3:29
  Well,
• 3:29
  I
• 3:29
  went
• 3:29
  out
• 3:29
  and
• 3:30
  canceled
• 3:30
  it.
• 3:30
  Unfortunately,
• 3:31
  it
• 3:31
  was
• 3:31
  set
• 3:31
  up
• 3:31
  to
• 3:32
  be
• 3:32
  automatic
• 3:32
  renewing
• 3:33
  for
• 3:33
  a
• 3:33
  year.
• 3:33
  But
• 3:33
  listen,
• 3:34
  it's
• 3:34
  not
• 3:34
  going
• 3:34
  to
• 3:34
  renew
• 3:35
  again.
• 3:36
  So
• 3:36
  it's
• 3:36
  going
• 3:36
  to
• 3:36
  remove
• 3:37
  that
• 3:37
  frustration
• 3:38
  and
• 3:38
  it's
• 3:38
  going
• 3:39
  to
• 3:39
  help
• 3:39
  us
• 3:39
  build
• 3:39
  our
• 3:40
  financial
• 3:40
  goals.
• 3:41
  See,
• 3:42
  here's
• 3:42
  the
• 3:42
  thing.
• 3:43
  Subscriptions
• 3:44
  are
• 3:44
  designed
• 3:44
  for
• 3:45
  convenience.
• 3:45
  Hey,
• 3:46
  there's
• 3:46
  some
• 3:46
  great
• 3:47
  subscription
• 3:47
  apps
• 3:47
  out
• 3:48
  there.
• 3:48
  I
• 3:48
  use
• 3:48
  them,
• 3:49
  you
• 3:49
  use
• 3:49
  them,
• 3:49
  Netflix,
• 3:50
  Hulu,
• 3:51
  all
• 3:51
  those
• 3:51
  type
• 3:51
  of
• 3:51
  things.
• 3:53
  But
• 3:53
  if
• 3:53
  you're
• 3:53
  not
• 3:53
  using
• 3:54
  them,
• 3:54
  and
• 3:55
  if
• 3:55
  they're
• 3:55
  adding
• 3:55
  up,
• 3:56
  they
• 3:56
  can
• 3:56
  be
• 3:56
  silent
• 3:56
  budget
• 3:57
  killers
• 3:57
  if
• 3:57
  you
• 3:58
  don't
• 3:58
  review
• 3:58
  them.
• 3:59
  And
• 3:59
  see,
• 4:00
  here's
• 4:00
  the
• 4:00
  big
• 4:00
  principle
• 4:01
  that
• 4:01
  I
• 4:01
  want
• 4:01
  to
• 4:01
  really
• 4:02
  talk
• 4:02
  about
• 4:02
  today.
• 4:03
  We
• 4:03
  talk
• 4:03
  about
• 4:03
  stewardship
• 4:04
  on
• 4:04
  this
• 4:04
  show
• 4:04
  all
• 4:05
  the
• 4:05
  time,
• 4:05
  but
• 4:06
  intentional
• 4:07
  stewardship
• 4:07
  requires
• 4:08
  actively
• 4:09
  managing
• 4:09
  these
• 4:09
  recurring
• 4:10
  expenses.
• 4:11
  So
• 4:11
  let's
• 4:11
  look
• 4:12
  at
• 4:12
  the
• 4:12
  Bible
• 4:12
  and
• 4:13
  see
• 4:13
  some
• 4:13
  wisdom
• 4:13
  there.
• 4:14
  And
• 4:14
  I'm
• 4:14
  going
• 4:14
  to
• 4:14
  break
• 4:14
  this
• 4:15
  down
• 4:15
  into
• 4:15
  a
• 4:15
  couple
• 4:15
  of
• 4:16
  different
• 4:16
  principles.
• 4:16
  My
• 4:17
  first
• 4:17
  principle
• 4:17
  is
• 4:18
  diligence.
• 4:19
  Take
• 4:19
  a
• 4:19
  look
• 4:19
  at
• 4:20
  this
• 4:20
  verse
• 4:20
  from
• 4:20
  the
• 4:20
  Bible.
• 4:21
  It
• 4:21
  says,
• 4:21
  whoever
• 4:22
  can
• 4:22
  be
• 4:22
  trusted
• 4:22
  with
• 4:22
  very
• 4:23
  little
• 4:24
  can
• 4:24
  also
• 4:24
  be
• 4:24
  trusted
• 4:25
  with
• 4:25
  much.
• 4:26
  And
• 4:26
  whoever
• 4:26
  is
• 4:26
  dishonest
• 4:27
  with
• 4:27
  very
• 4:27
  little
• 4:28
  will
• 4:28
  also
• 4:28
  be
• 4:29
  dishonest
• 4:29
  with
• 4:29
  much.
• 4:31
  So
• 4:31
  if
• 4:31
  you
• 4:31
  have
• 4:31
  not
• 4:32
  been
• 4:32
  trustworthy
• 4:32
  in
• 4:33
  handling
• 4:33
  worldly
• 4:33
  wealth,
• 4:34
  who
• 4:35
  will
• 4:35
  trust
• 4:35
  you
• 4:35
  with
• 4:36
  true
• 4:36
  riches?
• 4:36
  Well,
• 4:37
  I
• 4:37
  can
• 4:37
  stop
• 4:37
  right
• 4:38
  there
• 4:38
  and
• 4:38
  do
• 4:38
  a
• 4:38
  whole
• 4:39
  show
• 4:39
  right
• 4:39
  on
• 4:39
  that.
• 4:40
  But
• 4:40
  if
• 4:40
  you've
• 4:41
  not
• 4:41
  been
• 4:41
  trustworthy
• 4:42
  with
• 4:42
  someone
• 4:42
  else's
• 4:43
  property,
• 4:44
  who
• 4:44
  will
• 4:44
  give
• 4:44
  you
• 4:45
  property
• 4:45
  of
• 4:45
  your
• 4:46
  own?
• 4:46
  Wow,
• 4:46
  that
• 4:46
  one
• 4:47
  cuts
• 4:47
  to
• 4:47
  the
• 4:47
  chase,
• 4:48
  doesn't
• 4:48
  it?
• 4:49
  Be
• 4:49
  trusted
• 4:49
  with
• 4:49
  very
• 4:50
  little.
• 4:50
  These,
• 4:50
  these
• 4:51
  little
• 4:51
  subscriptions,
• 4:51
  these
• 4:52
  little
• 4:52
  apps
• 4:52
  and
• 4:53
  all
• 4:53
  these
• 4:53
  kind
• 4:53
  of
• 4:53
  things,
• 4:53
  they
• 4:53
  add
• 4:54
  up,
• 4:54
  don't
• 4:54
  they?
• 4:55
  And
• 4:55
  the
• 4:56
  Bible
• 4:56
  is
• 4:56
  telling
• 4:57
  us,
• 4:57
  hey,
• 4:57
  you
• 4:57
  need
• 4:57
  to
• 4:57
  be
• 4:58
  aware
• 4:58
  of
• 4:58
  these
• 4:58
  things.
• 4:58
  You
• 4:58
  need
• 4:59
  to
• 4:59
  be
• 4:59
  diligent
• 4:59
  in
• 4:59
  these
• 5:00
  things.
• 5:00
  Well,
• 5:01
  let's
• 5:01
  look
• 5:01
  at
• 5:01
  our
• 5:01
  second
• 5:01
  biblical
• 5:02
  principle,
• 5:02
  and
• 5:03
  that's
• 5:03
  avoiding
• 5:03
  waste.
• 5:04
  I
• 5:04
  actually
• 5:04
  mentioned
• 5:05
  this
• 5:05
  one
• 5:05
  on
• 5:05
  the
• 5:05
  show
• 5:05
  yesterday.
• 5:06
  We
• 5:06
  talked
• 5:07
  about
• 5:07
  planning
• 5:07
  for
• 5:07
  fall
• 5:08
  meals.
• 5:08
  But
• 5:08
  this
• 5:08
  is
• 5:09
  John,
• 5:09
  chapter
• 5:10
  6,
• 5:10
  verse
• 5:10
  12.
• 5:11
  And
• 5:11
  this
• 5:11
  is
• 5:11
  straight
• 5:12
  from
• 5:12
  Jesus
• 5:12
  himself.
• 5:13
  He
• 5:13
  says,
• 5:13
  God,
• 5:13
  gather
• 5:14
  the
• 5:14
  pieces
• 5:14
  that
• 5:14
  are
• 5:15
  left
• 5:15
  over.
• 5:16
  And
• 5:16
  the
• 5:16
  reason
• 5:16
  I
• 5:16
  grabbed
• 5:17
  it
• 5:17
  today
• 5:17
  is
• 5:17
  let
• 5:17
  nothing
• 5:18
  be
• 5:18
  wasted.
• 5:19
  Yesterday
• 5:20
  we
• 5:20
  talked
• 5:20
  about
• 5:20
  how
• 5:20
  that
• 5:21
  applies
• 5:21
  to
• 5:21
  wasted
• 5:22
  food.
• 5:22
  Well,
• 5:22
  today
• 5:23
  these
• 5:23
  subscriptions
• 5:24
  can
• 5:24
  apply
• 5:24
  to
• 5:24
  wasting
• 5:25
  money.
• 5:26
  And
• 5:26
  see,
• 5:26
  the
• 5:27
  impact
• 5:27
  of
• 5:27
  all
• 5:27
  of
• 5:28
  this
• 5:28
  is
• 5:29
  that
• 5:29
  you're
• 5:29
  just
• 5:29
  wasting
• 5:30
  money.
• 5:31
  So
• 5:31
  one
• 5:31
  of
• 5:31
  the
• 5:31
  things
• 5:32
  that
• 5:32
  I'm
• 5:32
  really
• 5:32
  going
• 5:32
  to
• 5:32
  encourage
• 5:33
  you
• 5:33
  to
• 5:33
  do
• 5:33
  is
• 5:33
  really
• 5:33
  evaluate
• 5:34
  those
• 5:34
  subscriptions
• 5:35
  because
• 5:35
  that
• 5:36
  really
• 5:36
  leads
• 5:36
  to
• 5:37
  diligent
• 5:37
  stewardship.
• 5:38
  It's
• 5:38
  going
• 5:38
  to
• 5:38
  identify
• 5:39
  waste,
• 5:39
  it's
• 5:40
  going
• 5:40
  to,
• 5:40
  it's
• 5:40
  going
• 5:40
  to
• 5:40
  help
• 5:40
  you
• 5:40
  reclaim
• 5:41
  those
• 5:41
  lost
• 5:41
  funds.
• 5:42
  And
• 5:42
  hey,
• 5:42
  then
• 5:42
  you'll
• 5:43
  be
• 5:43
  able
• 5:43
  to
• 5:43
  redirect
• 5:44
  your
• 5:44
  resources
• 5:45
  to
• 5:45
  higher
• 5:45
  priority
• 5:46
  goals.
• 5:46
  Maybe
• 5:46
  things
• 5:46
  like
• 5:47
  debt
• 5:47
  payoff
• 5:47
  or
• 5:48
  savings
• 5:48
  or
• 5:48
  hey,
• 5:49
  think
• 5:49
  about
• 5:49
  this
• 5:50
  more
• 5:50
  giving
• 5:51
  and
• 5:51
  truly
• 5:52
  align
• 5:52
  your
• 5:52
  spending
• 5:53
  with
• 5:53
  your
• 5:53
  true
• 5:53
  needs
• 5:53
  and
• 5:54
  values
• 5:54
  and
• 5:55
  free
• 5:55
  up
• 5:55
  your
• 5:55
  finances.
• 5:57
  So
• 5:57
  now
• 5:57
  you
• 5:57
  might
• 5:57
  be
• 5:58
  thinking,
• 5:58
  Ralph,
• 5:58
  you're
• 5:58
  right.
• 5:59
  Didn't
• 5:59
  even
• 5:59
  think
• 6:00
  about
• 6:00
  that,
• 6:00
  man.
• 6:00
  There's
• 6:01
  a
• 6:01
  whole
• 6:01
  host
• 6:01
  of
• 6:01
  those
• 6:02
  things.
• 6:02
  I
• 6:02
  don't
• 6:02
  even
• 6:02
  look
• 6:03
  at
• 6:03
  the
• 6:03
  statement
• 6:03
  because
• 6:03
  I'm
• 6:03
  worried
• 6:04
  about
• 6:04
  it.
• 6:04
  So
• 6:04
  what
• 6:04
  can
• 6:05
  we
• 6:05
  do?
• 6:06
  How
• 6:06
  do
• 6:06
  we
• 6:06
  stop
• 6:06
  these
• 6:07
  silent
• 6:07
  money
• 6:07
  drains
• 6:08
  and
• 6:09
  confidently
• 6:09
  ensure
• 6:09
  that
• 6:10
  every
• 6:10
  single
• 6:10
  subscription
• 6:11
  serves
• 6:12
  your
• 6:12
  budget?
• 6:12
  And
• 6:13
  hey,
• 6:13
  here's
• 6:13
  another
• 6:13
  thought.
• 6:14
  Serves
• 6:14
  your
• 6:15
  values
• 6:16
  well.
• 6:16
  Your
• 6:17
  single
• 6:17
  solution
• 6:18
  today
• 6:18
  is
• 6:19
  this.
• 6:20
  Intentionally
• 6:20
  conduct
• 6:21
  a
• 6:21
  thorough
• 6:21
  review
• 6:22
  of
• 6:22
  all
• 6:22
  your
• 6:22
  recurring
• 6:23
  subscriptions
• 6:23
  and
• 6:24
  memberships.
• 6:25
  And
• 6:25
  then
• 6:25
  I
• 6:25
  just
• 6:25
  want
• 6:26
  you
• 6:26
  to
• 6:26
  identify
• 6:27
  those,
• 6:27
  or
• 6:27
  maybe
• 6:28
  those
• 6:28
  ones
• 6:28
  that
• 6:28
  are
• 6:28
  no
• 6:29
  longer
• 6:29
  serving
• 6:29
  your
• 6:30
  values.
• 6:30
  And
• 6:30
  then
• 6:31
  I
• 6:31
  want
• 6:31
  you
• 6:31
  to
• 6:31
  cancel
• 6:32
  or,
• 6:32
  or
• 6:32
  negotiate
• 6:32
  them.
• 6:33
  Now
• 6:33
  talk
• 6:33
  about
• 6:33
  that
• 6:33
  in
• 6:33
  a
• 6:33
  second,
• 6:34
  because
• 6:34
  you
• 6:34
  can
• 6:34
  also
• 6:34
  do
• 6:34
  that
• 6:35
  to
• 6:35
  reclaim
• 6:35
  those
• 6:36
  lost
• 6:36
  funds.
• 6:37
  And
• 6:37
  hey,
• 6:38
  in
• 6:38
  the
• 6:38
  end,
• 6:39
  that's
• 6:39
  proactive
• 6:40
  financial
• 6:40
  hygiene.
• 6:41
  Yes,
• 6:41
  we
• 6:41
  can
• 6:42
  do
• 6:42
  hygiene
• 6:42
  for
• 6:43
  our
• 6:43
  finances.
• 6:44
  So
• 6:44
  here's
• 6:44
  your
• 6:44
  one
• 6:45
  action
• 6:45
  step
• 6:45
  for
• 6:46
  today.
• 6:46
  And
• 6:46
  our
• 6:46
  big
• 6:46
  goal
• 6:47
  is
• 6:47
  to
• 6:47
  reclaim
• 6:48
  money
• 6:48
  from
• 6:48
  unused
• 6:49
  subscription.
• 6:50
  Like
• 6:50
  I
• 6:50
  said,
• 6:50
  I'm
• 6:50
  guilty
• 6:51
  of
• 6:51
  this
• 6:51
  as
• 6:51
  well.
• 6:51
  So
• 6:52
  my
• 6:52
  first
• 6:52
  thing
• 6:52
  I'm
• 6:52
  going
• 6:53
  to
• 6:53
  encourage
• 6:53
  you
• 6:53
  to
• 6:53
  do,
• 6:53
  and
• 6:54
  this
• 6:54
  is
• 6:54
  something
• 6:54
  that
• 6:54
  I
• 6:54
  think
• 6:55
  all
• 6:55
  of
• 6:55
  us
• 6:55
  can
• 6:55
  do,
• 6:56
  is
• 6:56
  list
• 6:57
  all
• 6:57
  your
• 6:57
  recurring
• 6:58
  subscriptions.
• 6:59
  Have
• 6:59
  you
• 6:59
  ever
• 7:00
  gone
• 7:00
  through
• 7:00
  your
• 7:00
  bank
• 7:00
  account
• 7:01
  or
• 7:01
  credit
• 7:02
  card
• 7:02
  statements
• 7:02
  and
• 7:03
  looked
• 7:03
  at
• 7:03
  all
• 7:03
  those
• 7:04
  subscriptions
• 7:04
  you
• 7:04
  have?
• 7:05
  I
• 7:05
  actually,
• 7:05
  as
• 7:06
  I
• 7:06
  was
• 7:06
  preparing
• 7:06
  for
• 7:06
  today's
• 7:07
  show,
• 7:07
  I
• 7:07
  thought,
• 7:07
  hey,
• 7:07
  this
• 7:07
  is
• 7:07
  really
• 7:08
  a
• 7:08
  good
• 7:08
  exercise
• 7:09
  that
• 7:09
  everybody
• 7:10
  should
• 7:10
  do.
• 7:10
  And
• 7:11
  that
• 7:11
  is
• 7:11
  just
• 7:11
  make
• 7:11
  a
• 7:12
  list
• 7:12
  of
• 7:12
  those
• 7:12
  things.
• 7:12
  Hey,
• 7:13
  maybe
• 7:13
  whenever
• 7:13
  you
• 7:14
  add
• 7:14
  one,
• 7:14
  maybe
• 7:14
  you
• 7:14
  have
• 7:15
  a
• 7:15
  rule,
• 7:15
  I
• 7:15
  got
• 7:15
  to
• 7:15
  take
• 7:15
  one
• 7:16
  off,
• 7:16
  but
• 7:16
  at
• 7:16
  least
• 7:17
  have
• 7:17
  a
• 7:17
  list
• 7:17
  of
• 7:17
  those.
• 7:18
  So
• 7:18
  to
• 7:18
  start
• 7:19
  today,
• 7:19
  I
• 7:19
  want
• 7:19
  you
• 7:19
  to
• 7:19
  list
• 7:20
  every
• 7:20
  single
• 7:21
  recurring
• 7:21
  subscription
• 7:22
  or
• 7:22
  every
• 7:23
  single
• 7:23
  membership
• 7:24
  fee.
• 7:24
  And
• 7:24
  don't
• 7:24
  even,
• 7:25
  don't
• 7:25
  miss
• 7:25
  any
• 7:25
  of
• 7:26
  them,
• 7:26
  even
• 7:26
  the
• 7:26
  small
• 7:26
  ones,
• 7:27
  because,
• 7:27
  hey,
• 7:28
  like
• 7:28
  I
• 7:28
  said,
• 7:28
  $3,
• 7:29
  $5,
• 7:29
  7
• 7:30
  doll
• 7:31
  add
• 7:31
  up
• 7:31
  to
• 7:31
  big
• 7:32
  dollars.
• 7:32
  So
• 7:33
  start
• 7:33
  by
• 7:33
  listing
• 7:33
  them.
• 7:34
  Second
• 7:34
  thing
• 7:35
  I'm
• 7:35
  going
• 7:35
  to
• 7:35
  do
• 7:35
  is
• 7:35
  encourage
• 7:36
  you
• 7:36
  to
• 7:36
  rate
• 7:36
  their
• 7:37
  value.
• 7:37
  Yeah,
• 7:38
  this
• 7:38
  is
• 7:38
  your
• 7:38
  time
• 7:38
  to
• 7:39
  give
• 7:39
  them
• 7:39
  a
• 7:39
  rating.
• 7:39
  Ask
• 7:40
  yourself
• 7:40
  honestly
• 7:41
  this
• 7:41
  question.
• 7:42
  Do
• 7:42
  I
• 7:42
  actively
• 7:43
  use
• 7:43
  this
• 7:43
  service?
• 7:44
  I
• 7:45
  asked
• 7:45
  this
• 7:45
  of
• 7:45
  myself
• 7:46
  when
• 7:46
  I
• 7:46
  saw
• 7:46
  this
• 7:46
  on
• 7:46
  my
• 7:46
  credit
• 7:47
  card
• 7:47
  statement.
• 7:47
  I
• 7:47
  said,
• 7:47
  do
• 7:48
  I
• 7:48
  really
• 7:48
  use
• 7:48
  this?
• 7:49
  Truth
• 7:49
  is,
• 7:49
  I
• 7:50
  hadn't
• 7:50
  used
• 7:50
  it
• 7:50
  in
• 7:50
  18
• 7:51
  months.
• 7:51
  Why
• 7:51
  am
• 7:51
  I
• 7:51
  paying
• 7:52
  for
• 7:52
  this?
• 7:53
  That's
• 7:53
  the
• 7:53
  first
• 7:53
  question.
• 7:54
  And
• 7:55
  then
• 7:55
  ask
• 7:55
  yourself
• 7:56
  another
• 7:56
  question.
• 7:57
  Does
• 7:57
  it
• 7:57
  truly
• 7:58
  bring
• 7:58
  me
• 7:58
  value
• 7:59
  or
• 7:59
  align
• 7:59
  with
• 8:00
  my
• 8:00
  values?
• 8:00
  Hey,
• 8:00
  if
• 8:00
  you
• 8:01
  want
• 8:01
  to
• 8:01
  go
• 8:01
  check
• 8:01
  out
• 8:01
  an
• 8:02
  episode,
• 8:02
  check
• 8:02
  out
• 8:02
  episode
• 8:03
  184.
• 8:03
  I
• 8:04
  talked
• 8:04
  all
• 8:04
  about
• 8:04
  aligning
• 8:05
  your
• 8:05
  spending
• 8:05
  with
• 8:06
  your
• 8:06
  values.
• 8:07
  And
• 8:07
  ask
• 8:07
  yourself
• 8:08
  this
• 8:08
  question.
• 8:08
  This
• 8:08
  is
• 8:09
  the
• 8:09
  one
• 8:09
  that
• 8:09
  really
• 8:10
  sent
• 8:10
  me
• 8:10
  for
• 8:10
  a
• 8:10
  loop,
• 8:11
  and
• 8:11
  that
• 8:11
  is
• 8:11
  this.
• 8:12
  Would
• 8:12
  I
• 8:12
  sign
• 8:12
  up
• 8:13
  for
• 8:13
  this
• 8:13
  today?
• 8:14
  And
• 8:15
  just
• 8:15
  give
• 8:15
  yourself
• 8:15
  a
• 8:16
  quick
• 8:16
  yes,
• 8:16
  no,
• 8:16
  or
• 8:17
  hey,
• 8:17
  I'm
• 8:17
  gonna
• 8:17
  give
• 8:17
  you
• 8:17
  a
• 8:18
  little
• 8:18
  hedge.
• 8:18
  I
• 8:18
  say
• 8:19
  maybe,
• 8:19
  because
• 8:20
  at
• 8:20
  least
• 8:20
  at
• 8:20
  this
• 8:20
  point.
• 8:21
  So
• 8:21
  list
• 8:21
  those
• 8:21
  things
• 8:21
  out.
• 8:22
  Give
• 8:22
  yourself
• 8:22
  a
• 8:23
  yes,
• 8:23
  no,
• 8:23
  or
• 8:24
  maybe.
• 8:25
  And
• 8:25
  then
• 8:25
  here's
• 8:25
  the
• 8:25
  empowering
• 8:26
  part.
• 8:26
  I
• 8:27
  want
• 8:27
  you
• 8:27
  to
• 8:27
  cancel
• 8:28
  one
• 8:28
  of
• 8:28
  those
• 8:28
  unused
• 8:29
  subscriptions.
• 8:29
  Hey,
• 8:30
  maybe
• 8:30
  you
• 8:30
  cancel
• 8:30
  a
• 8:31
  lot
• 8:31
  of
• 8:31
  them,
• 8:31
  but
• 8:31
  just
• 8:32
  identify
• 8:32
  one,
• 8:33
  at
• 8:33
  least
• 8:34
  one
• 8:34
  of
• 8:34
  those
• 8:34
  subscriptions
• 8:35
  that
• 8:35
  you
• 8:35
  rated.
• 8:35
  No.
• 8:36
  Or
• 8:36
  maybe.
• 8:37
  Or
• 8:38
  maybe
• 8:38
  you
• 8:38
  just
• 8:38
  don't
• 8:38
  use
• 8:39
  it
• 8:39
  anymore.
• 8:39
  You
• 8:39
  don't
• 8:40
  value
• 8:40
  that.
• 8:41
  And
• 8:41
  then
• 8:41
  I
• 8:41
  want
• 8:41
  you
• 8:41
  to
• 8:41
  make
• 8:42
  the
• 8:42
  commitment
• 8:42
  to
• 8:42
  canceling
• 8:43
  it
• 8:43
  today.
• 8:43
  Hey,
• 8:43
  do
• 8:44
  it
• 8:44
  today.
• 8:44
  Don't
• 8:44
  say,
• 8:44
  hey,
• 8:44
  you
• 8:45
  know
• 8:45
  what?
• 8:45
  I
• 8:45
  made
• 8:45
  that
• 8:46
  list,
• 8:46
  Ralph,
• 8:46
  but
• 8:46
  I
• 8:46
  just
• 8:47
  kind
• 8:47
  of
• 8:47
  never
• 8:47
  got
• 8:47
  around
• 8:48
  to
• 8:48
  doing
• 8:48
  it.
• 8:48
  No,
• 8:49
  cancel
• 8:49
  today
• 8:49
  login.
• 8:50
  Find
• 8:51
  that
• 8:51
  cancellation
• 8:51
  button
• 8:52
  and.
• 8:52
  And
• 8:53
  follow
• 8:53
  through,
• 8:53
  because
• 8:53
  that
• 8:54
  immediate
• 8:54
  action
• 8:55
  is
• 8:55
  going
• 8:55
  to
• 8:55
  give
• 8:55
  you
• 8:55
  a
• 8:56
  win.
• 8:56
  I'm
• 8:56
  just
• 8:56
  going
• 8:56
  to
• 8:56
  tell
• 8:56
  you
• 8:56
  ahead
• 8:57
  of
• 8:57
  time,
• 8:57
  you
• 8:57
  might
• 8:58
  be
• 8:58
  on
• 8:58
  the
• 8:58
  phone
• 8:58
  a
• 8:59
  little
• 8:59
  bit,
• 8:59
  because
• 8:59
  a
• 9:00
  lot
• 9:00
  of
• 9:00
  these
• 9:00
  companies
• 9:00
  are
• 9:00
  wise
• 9:01
  to
• 9:01
  this.
• 9:01
  They
• 9:01
  know
• 9:01
  you
• 9:02
  set
• 9:02
  it
• 9:02
  and
• 9:02
  forget
• 9:02
  it.
• 9:03
  So
• 9:03
  you
• 9:03
  may
• 9:03
  have
• 9:03
  to
• 9:04
  go
• 9:04
  through
• 9:04
  their
• 9:04
  retention
• 9:04
  people,
• 9:05
  but
• 9:05
  just
• 9:05
  stay
• 9:05
  strong.
• 9:06
  You
• 9:06
  can
• 9:06
  do
• 9:07
  it.
• 9:07
  Now,
• 9:07
  while
• 9:07
  you're
• 9:08
  there,
• 9:08
  here's
• 9:08
  one
• 9:08
  of
• 9:09
  my
• 9:09
  little
• 9:09
  pro
• 9:09
  tips
• 9:10
  you
• 9:10
  could
• 9:10
  do.
• 9:10
  You
• 9:11
  could
• 9:11
  consider
• 9:11
  negotiating
• 9:12
  it.
• 9:12
  Maybe
• 9:12
  it's
• 9:13
  one
• 9:13
  of
• 9:13
  those
• 9:13
  maybe
• 9:14
  things.
• 9:14
  You're
• 9:14
  like,
• 9:14
  nah,
• 9:15
  I
• 9:15
  do
• 9:15
  see
• 9:15
  some
• 9:16
  value
• 9:16
  here,
• 9:16
  but
• 9:17
  it's
• 9:17
  gotten
• 9:17
  expensive.
• 9:18
  You
• 9:18
  know,
• 9:18
  I've
• 9:19
  been
• 9:19
  a
• 9:19
  loyal
• 9:19
  customer
• 9:20
  for
• 9:20
  years.
• 9:20
  I
• 9:21
  actually
• 9:21
  did
• 9:21
  this
• 9:21
  with
• 9:22
  satellite
• 9:22
  radio
• 9:23
  in
• 9:23
  one
• 9:23
  of
• 9:23
  my
• 9:23
  vehicles.
• 9:24
  I
• 9:25
  said,
• 9:25
  you
• 9:25
  know
• 9:25
  what?
• 9:25
  I
• 9:26
  don't
• 9:26
  really
• 9:26
  use
• 9:26
  it
• 9:27
  that
• 9:27
  often.
• 9:27
  So
• 9:28
  I
• 9:28
  called
• 9:28
  to
• 9:29
  cancel
• 9:29
  it
• 9:29
  and
• 9:29
  they
• 9:29
  said,
• 9:30
  well,
• 9:30
  let
• 9:30
  me
• 9:30
  put
• 9:30
  you
• 9:30
  on.
• 9:31
  Of
• 9:31
  course,
• 9:31
  they
• 9:31
  put
• 9:31
  you
• 9:31
  on
• 9:31
  the
• 9:32
  phone
• 9:32
  with
• 9:32
  these
• 9:32
  retention
• 9:32
  specials.
• 9:33
  Here's
• 9:33
  what
• 9:33
  these
• 9:33
  people
• 9:34
  are
• 9:34
  trained
• 9:34
  to
• 9:34
  do.
• 9:35
  And
• 9:35
  they
• 9:35
  said,
• 9:36
  oh,
• 9:36
  you
• 9:36
  know,
• 9:36
  Ralph,
• 9:36
  you
• 9:37
  really
• 9:37
  want
• 9:37
  to
• 9:37
  keep
• 9:37
  this?
• 9:37
  I
• 9:38
  said,
• 9:38
  okay,
• 9:38
  well,
• 9:38
  what
• 9:38
  are
• 9:39
  my
• 9:39
  options?
• 9:39
  Well,
• 9:39
  all
• 9:40
  Of
• 9:40
  a
• 9:40
  sudden,
• 9:40
  this
• 9:40
  subscription,
• 9:41
  listen
• 9:41
  to
• 9:41
  this
• 9:42
  one.
• 9:42
  This
• 9:42
  subscription,
• 9:43
  that
• 9:43
  would
• 9:43
  have
• 9:44
  been,
• 9:44
  I
• 9:44
  don't
• 9:44
  know,
• 9:44
  call
• 9:45
  it
• 9:45
  $20
• 9:45
  a
• 9:45
  month.
• 9:46
  And
• 9:46
  hey,
• 9:46
  if
• 9:46
  you
• 9:47
  sign
• 9:47
  up
• 9:47
  for
• 9:47
  a
• 9:47
  year
• 9:47
  in
• 9:48
  advance,
• 9:48
  listen
• 9:48
  to
• 9:49
  this
• 9:49
  deal,
• 9:49
  I'll
• 9:49
  give
• 9:49
  it
• 9:50
  to
• 9:50
  you
• 9:50
  for
• 9:50
  five
• 9:50
  bucks
• 9:51
  a
• 9:51
  month.
• 9:52
  Now,
• 9:52
  of
• 9:52
  course,
• 9:52
  I
• 9:53
  ended
• 9:53
  up
• 9:53
  saying,
• 9:53
  okay,
• 9:54
  fine,
• 9:54
  I'll
• 9:54
  do
• 9:54
  it
• 9:54
  for
• 9:55
  another
• 9:55
  year.
• 9:55
  Now,
• 9:55
  be
• 9:55
  careful
• 9:56
  of
• 9:56
  that
• 9:56
  because
• 9:56
  then
• 9:57
  you
• 9:57
  got
• 9:57
  to
• 9:57
  put
• 9:57
  that
• 9:57
  back
• 9:58
  on
• 9:58
  your
• 9:58
  list
• 9:58
  and
• 9:58
  make
• 9:58
  sure
• 9:58
  you
• 9:59
  look
• 9:59
  at
• 9:59
  it.
• 9:59
  But,
• 9:59
  hey,
• 9:59
  I
• 9:59
  was
• 10:00
  able
• 10:00
  to
• 10:00
  negotiate
• 10:01
  and
• 10:01
  save
• 10:02
  some
• 10:02
  money,
• 10:02
  and
• 10:02
  it
• 10:02
  was
• 10:03
  a
• 10:03
  service
• 10:03
  that
• 10:03
  I
• 10:04
  still
• 10:04
  kind
• 10:04
  of
• 10:04
  used,
• 10:05
  so
• 10:05
  it
• 10:05
  was
• 10:05
  okay
• 10:06
  to
• 10:06
  do
• 10:06
  that.
• 10:06
  Now
• 10:06
  you
• 10:06
  might
• 10:07
  be
• 10:07
  saying,
• 10:07
  Ralph,
• 10:07
  well,
• 10:07
  how
• 10:07
  does
• 10:08
  this
• 10:08
  help?
• 10:09
  Well,
• 10:09
  one
• 10:09
  of
• 10:09
  the
• 10:09
  things
• 10:09
  I
• 10:10
  really,
• 10:10
  truly
• 10:10
  believe
• 10:11
  that
• 10:11
  it
• 10:11
  does,
• 10:11
  it
• 10:11
  fights
• 10:11
  that
• 10:12
  struggle
• 10:12
  of
• 10:12
  that
• 10:12
  money
• 10:13
  silently
• 10:13
  slipping
• 10:14
  away.
• 10:14
  Listen,
• 10:15
  these
• 10:15
  little
• 10:15
  nickel
• 10:16
  and
• 10:16
  dime
• 10:16
  things,
• 10:16
  you
• 10:16
  don't
• 10:17
  even
• 10:17
  realize
• 10:17
  they're
• 10:17
  gone.
• 10:17
  But
• 10:18
  then
• 10:18
  you
• 10:18
  get
• 10:18
  that
• 10:18
  credit
• 10:19
  card
• 10:19
  statement,
• 10:19
  you're
• 10:19
  like,
• 10:19
  wow,
• 10:20
  my
• 10:20
  balance
• 10:21
  just
• 10:21
  keeps
• 10:21
  on
• 10:21
  growing.
• 10:22
  And
• 10:22
  if
• 10:23
  you
• 10:23
  do
• 10:23
  what
• 10:23
  I
• 10:23
  said
• 10:23
  today,
• 10:24
  you're
• 10:24
  going
• 10:24
  to
• 10:24
  identify
• 10:25
  those
• 10:25
  hidden
• 10:25
  budget
• 10:26
  leaks
• 10:26
  and
• 10:27
  free
• 10:27
  up
• 10:27
  those
• 10:27
  resources
• 10:28
  to
• 10:28
  reclaim
• 10:28
  some
• 10:28
  funds.
• 10:29
  And
• 10:29
  here's
• 10:29
  what
• 10:29
  you
• 10:29
  could
• 10:29
  do
• 10:30
  with
• 10:30
  that
• 10:30
  money.
• 10:30
  You
• 10:31
  could
• 10:31
  pay
• 10:31
  off
• 10:31
  debts
• 10:32
  you
• 10:32
  could
• 10:32
  save,
• 10:32
  and,
• 10:33
  hey,
• 10:33
  maybe
• 10:33
  even
• 10:33
  do
• 10:34
  some
• 10:34
  more
• 10:34
  giving.
• 10:35
  And
• 10:35
  it
• 10:35
  empowers
• 10:36
  greater
• 10:36
  control
• 10:37
  and
• 10:37
  peace
• 10:38
  over
• 10:38
  those
• 10:39
  recurring
• 10:39
  expenses.
• 10:40
  Well,
• 10:40
  how
• 10:40
  about
• 10:40
  we
• 10:40
  pray
• 10:41
  together?
• 10:42
  Father
• 10:42
  God,
• 10:42
  we
• 10:42
  just
• 10:43
  thank
• 10:43
  you
• 10:43
  for
• 10:43
  the
• 10:43
  resources
• 10:44
  that
• 10:44
  you
• 10:44
  provide.
• 10:45
  And
• 10:45
  we
• 10:45
  confess
• 10:46
  that
• 10:46
  we
• 10:46
  often
• 10:46
  allow
• 10:46
  subscriptions,
• 10:47
  Lord,
• 10:47
  to
• 10:48
  drain
• 10:48
  our
• 10:48
  budget,
• 10:48
  and
• 10:49
  they
• 10:49
  drain
• 10:49
  them
• 10:49
  silently.
• 10:50
  And
• 10:50
  it
• 10:51
  really
• 10:51
  does
• 10:51
  lead
• 10:51
  to
• 10:51
  waste
• 10:52
  when
• 10:52
  we're
• 10:52
  honest
• 10:52
  about
• 10:53
  it.
• 10:53
  So
• 10:53
  we
• 10:54
  ask
• 10:54
  that
• 10:54
  you
• 10:54
  grant
• 10:54
  us
• 10:54
  wisdom,
• 10:55
  Lord,
• 10:55
  to
• 10:55
  manage
• 10:56
  our
• 10:56
  recurring
• 10:56
  expenses,
• 10:57
  diligently
• 10:58
  help
• 10:58
  us
• 10:59
  to
• 10:59
  identify
• 10:59
  those
• 11:00
  things
• 11:00
  and
• 11:00
  cancel
• 11:01
  services
• 11:01
  that
• 11:01
  no
• 11:01
  longer
• 11:02
  serve
• 11:02
  our
• 11:03
  values,
• 11:03
  Lord,
• 11:03
  that
• 11:04
  is
• 11:04
  so
• 11:04
  important.
• 11:04
  Or
• 11:05
  maybe
• 11:05
  they
• 11:05
  don't
• 11:05
  serve
• 11:05
  our
• 11:06
  needs
• 11:06
  anymore.
• 11:07
  And
• 11:07
  give
• 11:07
  us
• 11:08
  strength
• 11:08
  to
• 11:08
  reclaim
• 11:08
  those
• 11:09
  lost
• 11:09
  funds.
• 11:09
  And,
• 11:10
  Lord,
• 11:10
  truly
• 11:10
  redirect
• 11:11
  them
• 11:11
  to
• 11:11
  your
• 11:12
  purposes.
• 11:13
  And
• 11:13
  may
• 11:13
  our
• 11:13
  finances
• 11:14
  reflect
• 11:14
  your
• 11:14
  order
• 11:15
  and
• 11:15
  wise
• 11:16
  stewardship.
• 11:16
  And
• 11:17
  we
• 11:17
  ask
• 11:17
  this
• 11:17
  boldly,
• 11:18
  in
• 11:18
  confidence
• 11:19
  in
• 11:20
  Jesus
• 11:20
  name,
• 11:21
  Amen.
• 11:22
  Listen,
• 11:23
  active
• 11:24
  management
• 11:24
  of
• 11:25
  your
• 11:25
  subscriptions
• 11:25
  is
• 11:26
  a
• 11:26
  powerful
• 11:26
  way
• 11:27
  to
• 11:27
  save
• 11:27
  money
• 11:28
  and
• 11:28
  boost
• 11:28
  your
• 11:29
  budget
• 11:29
  health.
• 11:30
  It's
• 11:30
  truly
• 11:30
  a
• 11:31
  hygienic
• 11:31
  activity.
• 11:33
  So
• 11:33
  take
• 11:33
  that
• 11:33
  step
• 11:33
  today
• 11:34
  to
• 11:34
  review
• 11:34
  your
• 11:34
  list.
• 11:35
  Cancel
• 11:35
  one
• 11:36
  of
• 11:36
  those
• 11:36
  unused
• 11:36
  subscription
• 11:37
  services,
• 11:37
  or,
• 11:37
  hey,
• 11:37
  maybe
• 11:38
  negotiate
• 11:38
  it
• 11:38
  to
• 11:39
  a
• 11:39
  better
• 11:39
  rate
• 11:39
  because
• 11:40
  you're
• 11:40
  moving
• 11:40
  towards
• 11:41
  true
• 11:41
  freedom.
• 11:42
  And
• 11:42
  now
• 11:42
  I
• 11:42
  want
• 11:42
  to
• 11:43
  ask
• 11:43
  you
• 11:43
  to
• 11:43
  do
• 11:43
  me
• 11:43
  a
• 11:43
  favor.
• 11:44
  If
• 11:44
  this
• 11:44
  episode
• 11:45
  has
• 11:45
  resonated
• 11:45
  with
• 11:46
  you,
• 11:46
  I
• 11:46
  really
• 11:46
  would
• 11:46
  like
• 11:46
  you
• 11:47
  to
• 11:47
  consider
• 11:47
  sharing
• 11:48
  it
• 11:48
  with
• 11:48
  someone
• 11:48
  who
• 11:49
  might
• 11:49
  need
• 11:49
  to
• 11:49
  hear
• 11:49
  it.
• 11:50
  You
• 11:50
  can
• 11:50
  find
• 11:50
  all
• 11:51
  of
• 11:51
  our
• 11:51
  resources
• 11:53
  financiallyconfidentchristian.com
• 11:54
  so
• 11:54
  you
• 11:54
  can
• 11:55
  say,
• 11:55
  hey,
• 11:55
  I
• 11:55
  heard
• 11:55
  this
• 11:56
  guy
• 11:56
  Ralph,
• 11:56
  and
• 11:56
  he's
• 11:57
  got
• 11:57
  a
• 11:57
  great
• 11:57
  idea
• 11:57
  about
• 11:58
  these
• 11:58
  subscriptions.
• 11:59
  Send
• 11:59
  them
• 11:59
  a
• 11:59
  text.
• 12:00
  Send
• 12:00
  him
• 12:00
  an
• 12:00
  email.
• 12:00
  Maybe
• 12:01
  in
• 12:01
  your,
• 12:01
  in
• 12:01
  your
• 12:02
  group,
• 12:02
  or
• 12:03
  maybe
• 12:03
  you
• 12:03
  got
• 12:03
  a
• 12:03
  women's
• 12:04
  group
• 12:04
  or,
• 12:04
  or
• 12:04
  a
• 12:04
  Bible
• 12:05
  study
• 12:05
  group.
• 12:05
  Just
• 12:05
  say,
• 12:05
  hey,
• 12:06
  you
• 12:06
  really
• 12:06
  should
• 12:06
  check
• 12:07
  out
• 12:07
  this
• 12:07
  podcast.
• 12:08
  He
• 12:08
  really
• 12:08
  does
• 12:08
  a
• 12:08
  great
• 12:08
  job.
• 12:09
  Pat
• 12:09
  myself
• 12:10
  on
• 12:10
  the
• 12:10
  back.
• 12:11
  Well,
• 12:11
  tomorrow
• 12:11
  we're
• 12:11
  going
• 12:11
  to
• 12:12
  be
• 12:12
  talking
• 12:12
  about
• 12:12
  with
• 12:12
  cooler
• 12:13
  weather
• 12:13
  approaching.
• 12:13
  Now,
• 12:14
  I'm
• 12:14
  assuming
• 12:14
  you're
• 12:14
  in
• 12:15
  a
• 12:15
  place
• 12:15
  where
• 12:15
  the
• 12:15
  weather
• 12:16
  gets
• 12:16
  cooler.
• 12:16
  If
• 12:17
  you're
• 12:17
  not,
• 12:17
  well,
• 12:17
  we
• 12:18
  can
• 12:18
  still
• 12:18
  talk
• 12:18
  about
• 12:18
  this.
• 12:18
  Are
• 12:19
  we
• 12:19
  talking
• 12:19
  about
• 12:19
  another
• 12:20
  common
• 12:20
  expense,
• 12:21
  and
• 12:21
  that
• 12:21
  is
• 12:22
  how
• 12:22
  to
• 12:22
  prepare
• 12:22
  for
• 12:22
  higher
• 12:23
  fall
• 12:23
  and
• 12:23
  winter
• 12:24
  utility
• 12:24
  bills
• 12:25
  with
• 12:25
  some
• 12:25
  money
• 12:26
  and
• 12:26
  energy
• 12:26
  saving
• 12:27
  tips
• 12:27
  and
• 12:28
  to
• 12:28
  keep
• 12:28
  your
• 12:28
  home
• 12:28
  comfortable
• 12:29
  without
• 12:29
  breaking
• 12:30
  the
• 12:30
  bank.
• 12:31
  Had
• 12:31
  this
• 12:31
  discussion
• 12:31
  with
• 12:32
  my
• 12:32
  son.
• 12:32
  He's
• 12:32
  moving
• 12:32
  into
• 12:32
  his
• 12:33
  first
• 12:33
  apartment
• 12:34
  and
• 12:34
  he
• 12:34
  said,
• 12:34
  dad,
• 12:34
  how
• 12:35
  do
• 12:35
  I
• 12:35
  plan
• 12:35
  for
• 12:35
  this?
• 12:35
  Well,
• 12:35
  we're
• 12:36
  going
• 12:36
  to
• 12:36
  talk
• 12:36
  about
• 12:36
  that
• 12:37
  on
• 12:37
  tomorrow's
• 12:37
  show,
• 12:38
  so
• 12:38
  make
• 12:38
  sure
• 12:38
  you
• 12:38
  join
• 12:39
  me.
• 12:39
  Now,
• 12:40
  let's
• 12:40
  all
• 12:40
  go
• 12:40
  out
• 12:40
  there
• 12:40
  and
• 12:41
  be
• 12:41
  financially
• 12:42
  confident
• 12:42
  Christians.
• 12:43
  You
• 12:43
  can
• 12:43
  do
• 12:44
  this.
• 12:44
  I
• 12:45
  truly
• 12:45
  have
• 12:45
  confidence
• 12:46
  in
• 12:46
  you.
• 12:46
  Have
• 12:47
  some
• 12:47
  confidence
• 12:47
  in
• 12:48
  yourself.
• 12:48
  Stay
• 12:48
  financially
• 12:49
  savvy.
• 12:49
  God
• 12:50
  bless
• 12:50
  you.
• 12:50
  And
• 12:50
  you
• 12:51
  have
• 12:51
  a
• 12:51
  great
• 12:51
  day
• 12:51
  today.