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How Can Starting My Back-to-School Prep Early Save Me Money? · Becoming Financially Confident

• 0:37
  Guess
• 0:38
  what?
• 0:38
  The
• 0:38
  school
• 0:39
  bells
• 0:39
  are
• 0:39
  about
• 0:39
  to
• 0:39
  start
• 0:39
  ringing.
• 0:40
  But
• 0:41
  maybe
• 0:41
  like
• 0:41
  a
• 0:41
  lot
• 0:41
  of
• 0:41
  parents,
• 0:42
  your
• 0:42
  wallet's
• 0:43
  starting
• 0:43
  to
• 0:43
  ring
• 0:43
  as
• 0:43
  well.
• 0:44
  The
• 0:44
  alarms
• 0:44
  are
• 0:44
  going
• 0:45
  off
• 0:46
  because
• 0:46
  back
• 0:46
  to
• 0:46
  school
• 0:47
  costs
• 0:47
  can
• 0:47
  feel
• 0:47
  overwhelming.
• 0:48
  From
• 0:48
  those
• 0:49
  supplies
• 0:49
  to
• 0:49
  clothes
• 0:50
  to
• 0:50
  hey,
• 0:50
  that
• 0:51
  endless
• 0:51
  list
• 0:51
  of
• 0:52
  fees.
• 0:52
  Where
• 0:52
  do
• 0:52
  they
• 0:52
  come
• 0:53
  up
• 0:53
  with
• 0:53
  all
• 0:53
  these
• 0:53
  fees?
• 0:54
  But
• 0:54
  what
• 0:55
  if
• 0:55
  you
• 0:55
  could
• 0:55
  transform
• 0:56
  that
• 0:56
  annual
• 0:56
  financial
• 0:57
  dread
• 0:57
  into
• 0:57
  calm,
• 0:58
  savvy
• 0:59
  money
• 0:59
  saving
• 1:00
  missions?
• 1:01
  Well,
• 1:01
  stick
• 1:01
  with
• 1:01
  me
• 1:02
  today
• 1:02
  because
• 1:02
  I'm
• 1:02
  sharing
• 1:02
  exactly
• 1:03
  how
• 1:03
  to
• 1:03
  make
• 1:03
  that
• 1:03
  happen
• 1:04
  on
• 1:04
  today's
• 1:05
  show.
• 1:07
  This
• 1:07
  is
• 1:07
  Financially
• 1:08
  Confident
• 1:08
  Christian,
• 1:09
  your
• 1:09
  daily
• 1:10
  dose
• 1:10
  of
• 1:10
  gospel,
• 1:11
  grounded
• 1:11
  insight
• 1:11
  and
• 1:12
  faith
• 1:12
  driven
• 1:12
  tips
• 1:13
  to
• 1:13
  help
• 1:13
  you
• 1:14
  break
• 1:14
  the
• 1:14
  cycle
• 1:14
  of
• 1:14
  financial
• 1:15
  shame
• 1:15
  with
• 1:16
  confidence.
• 1:18
  Hey
• 1:18
  there,
• 1:19
  I'm
• 1:19
  Ralph.
• 1:19
  Welcome
• 1:20
  back
• 1:20
  to
• 1:20
  Financially
• 1:20
  Confident
• 1:21
  Christian.
• 1:22
  This
• 1:22
  is
• 1:22
  the
• 1:22
  show
• 1:22
  that
• 1:23
  asks
• 1:23
  that
• 1:23
  big
• 1:24
  question,
• 1:24
  how
• 1:25
  can
• 1:25
  I
• 1:25
  become
• 1:25
  a
• 1:26
  financially
• 1:26
  confident
• 1:27
  Christian?
• 1:27
  And
• 1:27
  hey,
• 1:27
  we're
• 1:27
  in
• 1:28
  our
• 1:28
  series
• 1:28
  Smart
• 1:29
  Money
• 1:29
  for
• 1:29
  Back
• 1:30
  to
• 1:30
  school
• 1:30
  and
• 1:30
  beyond.
• 1:30
  It's
• 1:31
  all
• 1:31
  about
• 1:31
  how
• 1:31
  to
• 1:31
  equip
• 1:32
  your
• 1:32
  family
• 1:33
  for
• 1:33
  a
• 1:33
  successful
• 1:34
  school
• 1:34
  year.
• 1:35
  Now
• 1:35
  yesterday
• 1:36
  on
• 1:36
  the
• 1:36
  show
• 1:36
  we
• 1:36
  talked
• 1:36
  about
• 1:37
  finding
• 1:37
  affordable
• 1:38
  self
• 1:38
  care
• 1:38
  strategies,
• 1:39
  we
• 1:39
  talked
• 1:39
  about
• 1:39
  how
• 1:40
  to
• 1:40
  get
• 1:40
  rest.
• 1:40
  But
• 1:41
  hit
• 1:41
  the
• 1:41
  best
• 1:41
  part
• 1:41
  of
• 1:41
  that
• 1:42
  was
• 1:42
  how
• 1:42
  to
• 1:42
  get
• 1:43
  rest
• 1:43
  without
• 1:43
  breaking
• 1:44
  the
• 1:44
  bank.
• 1:44
  Hey,
• 1:44
  nobody
• 1:45
  wants
• 1:45
  to
• 1:45
  go
• 1:45
  for
• 1:45
  rest
• 1:46
  and
• 1:46
  break
• 1:46
  the
• 1:47
  bank
• 1:47
  and
• 1:47
  bust
• 1:47
  the
• 1:47
  budget.
• 1:48
  So
• 1:48
  if
• 1:48
  you
• 1:48
  missed
• 1:48
  that
• 1:49
  show,
• 1:49
  I'm
• 1:49
  going
• 1:49
  to
• 1:49
  encourage
• 1:50
  you
• 1:50
  to
• 1:50
  go
• 1:50
  check
• 1:50
  it
• 1:50
  out.
• 1:50
  You
• 1:51
  can
• 1:51
  find
• 1:51
  all
• 1:51
  of
• 1:51
  our
• 1:51
  episodes@financially
• 1:53
  confidentchristian.com
• 1:55
  and
• 1:55
  today
• 1:55
  we're
• 1:56
  going
• 1:56
  to
• 1:56
  change
• 1:56
  the
• 1:56
  topic
• 1:57
  a
• 1:57
  bit.
• 1:57
  Not
• 1:58
  far
• 1:58
  off
• 1:58
  from
• 1:58
  school
• 1:58
  getting
• 1:59
  started.
• 1:59
  Hey,
• 1:59
  when
• 1:59
  you're
• 2:00
  listening
• 2:00
  to
• 2:00
  this,
• 2:00
  maybe
• 2:00
  school's
• 2:01
  already
• 2:01
  started,
• 2:02
  but
• 2:02
  I
• 2:02
  really
• 2:03
  wanted
• 2:03
  to
• 2:03
  take
• 2:03
  a
• 2:03
  few
• 2:03
  minutes
• 2:04
  today
• 2:04
  and
• 2:04
  help
• 2:04
  you
• 2:05
  with
• 2:05
  that
• 2:05
  back
• 2:05
  to
• 2:05
  school
• 2:06
  prep
• 2:06
  because
• 2:06
  I
• 2:06
  want
• 2:06
  you
• 2:07
  to
• 2:07
  save
• 2:07
  money
• 2:08
  and
• 2:08
  I
• 2:08
  want
• 2:08
  you
• 2:08
  to
• 2:09
  not
• 2:09
  be
• 2:09
  stressed
• 2:10
  and
• 2:10
  freak
• 2:10
  it
• 2:10
  out
• 2:11
  when
• 2:11
  the
• 2:11
  school
• 2:11
  bell
• 2:12
  starts
• 2:12
  to
• 2:12
  ring.
• 2:12
  So
• 2:12
  the
• 2:13
  question
• 2:13
  for
• 2:13
  today
• 2:13
  is
• 2:14
  how
• 2:14
  can
• 2:15
  starting
• 2:15
  your
• 2:15
  back
• 2:15
  to
• 2:15
  school
• 2:16
  prep
• 2:16
  early
• 2:17
  save
• 2:17
  you
• 2:17
  money?
• 2:18
  Hey,
• 2:18
  we
• 2:18
  all
• 2:19
  want
• 2:19
  to
• 2:19
  save
• 2:19
  money.
• 2:20
  It's
• 2:20
  late
• 2:21
  August
• 2:21
  already
• 2:21
  and
• 2:22
  school
• 2:22
  is
• 2:22
  just
• 2:22
  around
• 2:22
  the
• 2:23
  bend.
• 2:23
  Hey,
• 2:23
  I
• 2:23
  know
• 2:24
  my
• 2:24
  son,
• 2:24
  my
• 2:25
  daughter
• 2:25
  in
• 2:25
  law,
• 2:25
  she
• 2:25
  lives
• 2:25
  in
• 2:26
  Texas
• 2:26
  and
• 2:26
  I
• 2:26
  think
• 2:26
  they're
• 2:26
  getting
• 2:27
  back
• 2:27
  to
• 2:27
  school
• 2:27
  in
• 2:27
  the
• 2:27
  last
• 2:28
  week
• 2:28
  or
• 2:28
  so.
• 2:29
  And
• 2:29
  if
• 2:30
  you're
• 2:30
  like
• 2:30
  most
• 2:30
  people,
• 2:30
  you're
• 2:31
  scrambling
• 2:31
  around
• 2:31
  for
• 2:32
  those
• 2:32
  supply
• 2:32
  lists,
• 2:33
  that
• 2:33
  list,
• 2:33
  it
• 2:33
  just
• 2:33
  seems
• 2:34
  like
• 2:34
  it
• 2:34
  grows
• 2:34
  year
• 2:35
  after
• 2:35
  year.
• 2:36
  Kids
• 2:36
  are
• 2:37
  sitting
• 2:37
  there
• 2:38
  dropping
• 2:38
  you
• 2:39
  down
• 2:39
  trying
• 2:39
  to
• 2:39
  get
• 2:39
  you
• 2:39
  to
• 2:39
  buy
• 2:40
  them
• 2:40
  new
• 2:40
  clothes
• 2:40
  and
• 2:40
  new
• 2:41
  shoes.
• 2:41
  They
• 2:41
  need
• 2:41
  the
• 2:42
  sports
• 2:42
  gear,
• 2:43
  they
• 2:43
  got
• 2:43
  the
• 2:43
  hey
• 2:43
  mom
• 2:44
  and
• 2:44
  dad,
• 2:44
  I
• 2:44
  gotta
• 2:44
  have
• 2:44
  the
• 2:44
  latest
• 2:45
  check
• 2:45
  because
• 2:46
  your
• 2:46
  kids
• 2:46
  need
• 2:46
  that
• 2:47
  stuff,
• 2:47
  right?
• 2:48
  And
• 2:48
  the
• 2:48
  problem
• 2:49
  is
• 2:49
  that's
• 2:49
  a
• 2:49
  constant
• 2:50
  struggle
• 2:50
  that
• 2:50
  leads
• 2:51
  to
• 2:51
  this
• 2:51
  frantic
• 2:52
  last
• 2:52
  minute
• 2:52
  rush
• 2:53
  for
• 2:53
  essentials.
• 2:54
  I
• 2:54
  Never
• 2:54
  forget
• 2:54
  when
• 2:54
  I
• 2:55
  was
• 2:55
  a
• 2:55
  kid,
• 2:55
  you
• 2:55
  know,
• 2:55
  we
• 2:56
  get
• 2:56
  to
• 2:56
  school
• 2:56
  the
• 2:56
  first
• 2:56
  day
• 2:57
  or
• 2:57
  two,
• 2:57
  and
• 2:57
  the
• 2:57
  teacher
• 2:58
  would
• 2:58
  have
• 2:58
  sent
• 2:58
  home
• 2:58
  a
• 2:59
  list.
• 2:59
  And
• 2:59
  actually,
• 2:59
  when
• 2:59
  I
• 2:59
  was
• 3:00
  a
• 3:00
  kid,
• 3:00
  we
• 3:00
  didn't
• 3:00
  really
• 3:00
  do
• 3:00
  too
• 3:00
  much
• 3:00
  of
• 3:01
  that,
• 3:01
  but
• 3:01
  I
• 3:01
  think
• 3:01
  they're
• 3:01
  more
• 3:02
  proactive
• 3:02
  than
• 3:02
  now.
• 3:03
  But
• 3:03
  I
• 3:03
  remember
• 3:03
  the
• 3:03
  first
• 3:04
  day
• 3:04
  or
• 3:04
  two
• 3:04
  of
• 3:04
  school,
• 3:04
  we'd
• 3:05
  come
• 3:05
  home
• 3:05
  and
• 3:05
  I
• 3:05
  said
• 3:05
  to
• 3:05
  my
• 3:05
  mom,
• 3:06
  well,
• 3:06
  guess
• 3:06
  what?
• 3:06
  We've
• 3:06
  got
• 3:07
  to
• 3:07
  run
• 3:07
  to
• 3:07
  the
• 3:07
  store
• 3:07
  tonight
• 3:08
  because
• 3:08
  we
• 3:08
  got
• 3:08
  to
• 3:08
  get
• 3:08
  this,
• 3:08
  this,
• 3:09
  this,
• 3:09
  and
• 3:09
  this.
• 3:09
  And
• 3:10
  my
• 3:10
  mom's
• 3:10
  head
• 3:11
  would
• 3:11
  spin.
• 3:12
  The
• 3:12
  problem
• 3:12
  is,
• 3:12
  if
• 3:13
  you
• 3:13
  don't
• 3:13
  plan
• 3:13
  this,
• 3:13
  if
• 3:14
  you're
• 3:14
  not
• 3:14
  well
• 3:14
  equipped
• 3:15
  for
• 3:15
  this,
• 3:15
  it
• 3:16
  leads
• 3:16
  to
• 3:16
  overspending
• 3:17
  because
• 3:17
  you
• 3:17
  just
• 3:18
  go
• 3:18
  buy
• 3:18
  whatever
• 3:18
  you
• 3:18
  can
• 3:19
  grab
• 3:19
  real
• 3:19
  quick.
• 3:19
  Everything's
• 3:20
  picked
• 3:20
  over.
• 3:20
  You
• 3:20
  just
• 3:20
  get
• 3:21
  whatever
• 3:21
  they
• 3:21
  got
• 3:21
  left.
• 3:22
  A
• 3:22
  lot
• 3:22
  of
• 3:22
  times
• 3:23
  it
• 3:23
  leads
• 3:23
  to
• 3:23
  impulse
• 3:24
  buys
• 3:25
  because
• 3:25
  you're
• 3:25
  rushing
• 3:25
  around.
• 3:26
  You're
• 3:26
  trying
• 3:26
  to
• 3:26
  get
• 3:26
  everything
• 3:26
  done
• 3:27
  at
• 3:27
  the
• 3:27
  last
• 3:28
  minute.
• 3:29
  And
• 3:29
  here's
• 3:29
  the
• 3:29
  big
• 3:30
  problem.
• 3:30
  You're
• 3:31
  feeling
• 3:31
  unprepared
• 3:32
  for
• 3:32
  an
• 3:32
  expense
• 3:33
  that,
• 3:33
  hey,
• 3:33
  let's
• 3:33
  be
• 3:33
  honest
• 3:34
  with
• 3:34
  each
• 3:34
  other.
• 3:35
  You
• 3:35
  knew
• 3:35
  this
• 3:35
  expense
• 3:36
  was
• 3:36
  coming.
• 3:36
  This
• 3:37
  isn't
• 3:37
  a
• 3:37
  surprise,
• 3:37
  surprise
• 3:38
  thing.
• 3:39
  You
• 3:39
  knew
• 3:39
  school
• 3:40
  was
• 3:40
  coming,
• 3:41
  but
• 3:41
  why
• 3:41
  didn't
• 3:42
  you
• 3:42
  prepare
• 3:42
  for
• 3:42
  that?
• 3:44
  And
• 3:44
  see
• 3:44
  that
• 3:44
  financial
• 3:45
  squeeze
• 3:45
  that
• 3:45
  I'm
• 3:46
  talking
• 3:46
  about
• 3:46
  right
• 3:46
  there?
• 3:47
  That
• 3:47
  breeds
• 3:48
  anxiety,
• 3:49
  and
• 3:49
  it
• 3:49
  puts
• 3:49
  a
• 3:49
  strain
• 3:50
  on
• 3:50
  your
• 3:50
  budget.
• 3:51
  It
• 3:51
  just
• 3:51
  does.
• 3:53
  But
• 3:53
  here's
• 3:53
  the
• 3:53
  thing
• 3:53
  I
• 3:54
  want
• 3:54
  you
• 3:54
  to
• 3:54
  understand.
• 3:54
  I
• 3:55
  said
• 3:55
  this
• 3:55
  a
• 3:55
  second
• 3:55
  ago.
• 3:56
  Back
• 3:57
  to
• 3:57
  school
• 3:57
  expenses
• 3:58
  are
• 3:58
  predictable.
• 3:59
  Maybe
• 3:59
  you
• 3:59
  need
• 3:59
  to
• 3:59
  hear
• 3:59
  some
• 4:00
  tough
• 4:00
  love
• 4:00
  today.
• 4:01
  This
• 4:01
  isn't
• 4:01
  a
• 4:01
  big
• 4:02
  shockaroo
• 4:02
  today.
• 4:04
  So
• 4:04
  it's
• 4:04
  all
• 4:04
  about
• 4:05
  proactive
• 4:05
  planning,
• 4:06
  not
• 4:06
  just
• 4:06
  reactive
• 4:07
  spending.
• 4:08
  Because
• 4:09
  here's
• 4:09
  the
• 4:09
  truth.
• 4:09
  And
• 4:09
  be
• 4:09
  honest
• 4:10
  with
• 4:10
  yourself,
• 4:11
  when
• 4:11
  you're
• 4:11
  rushing
• 4:12
  around,
• 4:12
  that
• 4:12
  leads
• 4:13
  to
• 4:13
  hurried,
• 4:13
  expensive
• 4:14
  decisions.
• 4:15
  We
• 4:15
  know
• 4:15
  in
• 4:16
  this
• 4:16
  show
• 4:16
  I
• 4:16
  like
• 4:16
  to
• 4:16
  tie
• 4:16
  things
• 4:17
  back
• 4:17
  to
• 4:17
  the
• 4:17
  Bible.
• 4:17
  So
• 4:18
  I've
• 4:18
  just
• 4:18
  got
• 4:18
  a
• 4:18
  couple
• 4:19
  of
• 4:19
  Bible
• 4:19
  verses
• 4:19
  for
• 4:20
  you
• 4:20
  to
• 4:20
  talk
• 4:20
  about
• 4:20
  today.
• 4:21
  They
• 4:21
  kind
• 4:21
  of
• 4:21
  all
• 4:21
  lead
• 4:22
  to
• 4:22
  this
• 4:22
  idea
• 4:22
  of
• 4:23
  good
• 4:23
  stewardship.
• 4:23
  Let's
• 4:23
  look
• 4:24
  at
• 4:24
  these
• 4:24
  real
• 4:24
  quickly.
• 4:24
  The
• 4:25
  first
• 4:25
  one
• 4:25
  is
• 4:26
  Luke,
• 4:26
  chapter
• 4:27
  14,
• 4:27
  verses
• 4:28
  28
• 4:28
  to
• 4:28
  30.
• 4:29
  This
• 4:29
  is
• 4:30
  the
• 4:30
  one
• 4:30
  that
• 4:30
  talks
• 4:31
  about
• 4:31
  the
• 4:31
  tower.
• 4:31
  And
• 4:31
  I've
• 4:32
  used
• 4:32
  this
• 4:32
  on
• 4:32
  the
• 4:32
  show
• 4:32
  a
• 4:32
  few
• 4:32
  times,
• 4:33
  but
• 4:33
  it's
• 4:33
  so
• 4:34
  applicable
• 4:34
  to
• 4:35
  planning,
• 4:35
  it
• 4:35
  says
• 4:35
  this
• 4:36
  again.
• 4:36
  Luke
• 4:37
  14,
• 4:37
  28,
• 4:38
  30.
• 4:38
  Suppose
• 4:39
  one
• 4:39
  of
• 4:39
  you
• 4:39
  wants
• 4:40
  to
• 4:40
  build
• 4:40
  a
• 4:40
  tower.
• 4:41
  Won't
• 4:41
  you
• 4:41
  first
• 4:41
  sit
• 4:42
  down
• 4:42
  and
• 4:42
  estimate
• 4:42
  the
• 4:43
  cost
• 4:43
  to
• 4:43
  see
• 4:43
  if
• 4:43
  you
• 4:43
  have
• 4:44
  enough
• 4:44
  money
• 4:44
  to
• 4:44
  complete
• 4:44
  it?
• 4:45
  For
• 4:45
  if
• 4:45
  you
• 4:46
  lay
• 4:46
  the
• 4:46
  foundation
• 4:47
  and
• 4:47
  you're
• 4:47
  not
• 4:47
  able
• 4:48
  to
• 4:48
  finish
• 4:48
  it,
• 4:49
  everyone
• 4:49
  who
• 4:49
  sees
• 4:49
  it
• 4:50
  will
• 4:50
  ridicule
• 4:50
  you
• 4:50
  saying
• 4:51
  this
• 4:51
  person
• 4:51
  began
• 4:52
  to
• 4:52
  build
• 4:52
  and
• 4:52
  wasn't
• 4:53
  able
• 4:53
  to
• 4:53
  Finish.
• 4:54
  Yeah,
• 4:54
  think
• 4:54
  about
• 4:54
  that
• 4:55
  for
• 4:55
  a
• 4:55
  second.
• 4:55
  They're
• 4:56
  going
• 4:56
  to
• 4:56
  laugh
• 4:56
  at
• 4:56
  you.
• 4:57
  Why?
• 4:57
  Because
• 4:57
  you
• 4:58
  didn't
• 4:58
  plan.
• 4:59
  See,
• 4:59
  this
• 4:59
  is
• 4:59
  all
• 5:00
  about
• 5:00
  planning.
• 5:01
  Just
• 5:01
  like
• 5:01
  building
• 5:01
  that
• 5:02
  tower.
• 5:02
  Preparing
• 5:03
  for
• 5:03
  back
• 5:03
  to
• 5:03
  school
• 5:04
  is
• 5:04
  a
• 5:04
  project.
• 5:04
  Hey,
• 5:05
  you
• 5:05
  get
• 5:05
  on
• 5:05
  your
• 5:05
  kids
• 5:06
  about
• 5:06
  getting
• 5:06
  their
• 5:06
  homework
• 5:07
  done,
• 5:07
  getting
• 5:07
  their
• 5:08
  projects
• 5:08
  done.
• 5:08
  Well,
• 5:09
  guess
• 5:09
  what?
• 5:09
  As
• 5:09
  a
• 5:10
  parent,
• 5:10
  good
• 5:11
  stewardship
• 5:11
  means
• 5:12
  you're
• 5:12
  sitting
• 5:12
  down,
• 5:13
  you're
• 5:13
  estimating
• 5:14
  these
• 5:14
  costs,
• 5:15
  and
• 5:15
  you're
• 5:15
  planning
• 5:16
  to
• 5:16
  complete
• 5:16
  it
• 5:16
  without
• 5:17
  a
• 5:17
  financial
• 5:17
  strain.
• 5:19
  The
• 5:19
  other
• 5:19
  thing
• 5:19
  I
• 5:19
  want
• 5:19
  to
• 5:20
  talk
• 5:20
  about
• 5:20
  is
• 5:20
  from
• 5:20
  the
• 5:20
  book
• 5:21
  of
• 5:21
  Ecclesiastes,
• 5:22
  chapter
• 5:22
  3,
• 5:23
  verse
• 5:23
  1.
• 5:24
  Now,
• 5:24
  this
• 5:24
  is
• 5:25
  a
• 5:25
  verse
• 5:25
  of
• 5:25
  the
• 5:25
  Bible
• 5:26
  that's
• 5:26
  used
• 5:26
  for
• 5:26
  all
• 5:26
  kinds
• 5:27
  of
• 5:27
  things.
• 5:27
  That
• 5:27
  verse
• 5:28
  about
• 5:28
  seasons.
• 5:28
  There
• 5:29
  is
• 5:29
  a
• 5:29
  time
• 5:29
  for
• 5:29
  everything
• 5:30
  and
• 5:30
  a
• 5:30
  season
• 5:31
  for
• 5:31
  every
• 5:31
  activity
• 5:32
  under
• 5:32
  the
• 5:33
  heavens.
• 5:34
  Well,
• 5:34
  right
• 5:34
  now
• 5:34
  is
• 5:34
  a
• 5:35
  season
• 5:35
  for
• 5:35
  back
• 5:35
  to
• 5:35
  school.
• 5:36
  You
• 5:36
  knew
• 5:36
  it
• 5:36
  was
• 5:36
  coming.
• 5:37
  You've
• 5:38
  got
• 5:38
  to
• 5:38
  think
• 5:38
  about
• 5:39
  planning
• 5:39
  wisely
• 5:40
  to
• 5:40
  recognize
• 5:40
  this.
• 5:40
  And
• 5:41
  hey,
• 5:41
  if
• 5:41
  you're
• 5:41
  doing
• 5:41
  this
• 5:42
  at
• 5:42
  the
• 5:42
  last
• 5:42
  minute,
• 5:43
  put
• 5:43
  a
• 5:43
  mental
• 5:43
  note,
• 5:44
  put
• 5:44
  it
• 5:44
  on
• 5:44
  your
• 5:44
  calendar
• 5:45
  for
• 5:45
  next
• 5:45
  June.
• 5:46
  Start
• 5:46
  preparing
• 5:47
  for
• 5:47
  it
• 5:47
  before
• 5:48
  the
• 5:48
  last
• 5:48
  minute
• 5:49
  hits
• 5:49
  rather
• 5:49
  than
• 5:49
  getting
• 5:50
  caught
• 5:50
  off
• 5:50
  guard.
• 5:51
  Because
• 5:52
  if
• 5:52
  you
• 5:52
  really
• 5:52
  want
• 5:52
  to
• 5:53
  be
• 5:53
  a
• 5:53
  wise
• 5:54
  steward,
• 5:54
  if
• 5:54
  you
• 5:54
  really
• 5:55
  want
• 5:55
  to
• 5:55
  be
• 5:55
  financially
• 5:56
  confident
• 5:56
  in
• 5:57
  your
• 5:57
  Christian
• 5:57
  walk,
• 5:58
  you've
• 5:58
  got
• 5:59
  to
• 5:59
  be
• 5:59
  thinking
• 5:59
  through
• 6:00
  these
• 6:00
  things
• 6:00
  that
• 6:00
  happen
• 6:01
  throughout
• 6:01
  the
• 6:02
  year.
• 6:02
  This
• 6:02
  is
• 6:02
  the
• 6:03
  time
• 6:03
  not
• 6:03
  to
• 6:03
  go
• 6:04
  rush
• 6:04
  out
• 6:04
  and
• 6:04
  buy
• 6:05
  stuff
• 6:05
  on
• 6:05
  an
• 6:06
  impulse.
• 6:06
  This
• 6:07
  is
• 6:07
  the
• 6:07
  time
• 6:07
  to
• 6:07
  make
• 6:07
  thoughtful
• 6:08
  purchases.
• 6:09
  Hey,
• 6:09
  take
• 6:09
  some
• 6:09
  time
• 6:10
  to
• 6:10
  compare
• 6:10
  prices.
• 6:11
  And
• 6:11
  if
• 6:11
  you
• 6:12
  started
• 6:12
  early
• 6:12
  enough,
• 6:13
  you
• 6:13
  can
• 6:14
  actually
• 6:14
  spread
• 6:14
  out
• 6:15
  your
• 6:15
  cost.
• 6:15
  Why?
• 6:16
  Because
• 6:16
  in
• 6:16
  the
• 6:17
  end,
• 6:17
  I
• 6:17
  want
• 6:17
  you
• 6:17
  to
• 6:17
  reduce
• 6:18
  your
• 6:18
  stress,
• 6:19
  I
• 6:19
  want
• 6:19
  you
• 6:19
  to
• 6:19
  save
• 6:20
  money,
• 6:20
  and
• 6:21
  I
• 6:21
  want
• 6:21
  to
• 6:21
  make
• 6:21
  sure
• 6:21
  that
• 6:22
  your
• 6:22
  children
• 6:22
  are
• 6:22
  well
• 6:23
  equipped.
• 6:23
  And
• 6:23
  at
• 6:24
  the
• 6:24
  same
• 6:24
  time,
• 6:25
  hey,
• 6:25
  we
• 6:25
  do
• 6:26
  this
• 6:26
  because
• 6:26
  we
• 6:26
  want
• 6:27
  to
• 6:27
  honor
• 6:27
  God
• 6:27
  with
• 6:27
  our
• 6:28
  financial
• 6:28
  choices.
• 6:29
  Shania
• 6:30
  saying
• 6:30
  Ralph.
• 6:30
  Okay,
• 6:31
  I'm
• 6:31
  a
• 6:31
  little
• 6:31
  bit
• 6:31
  stressed
• 6:32
  now.
• 6:32
  You,
• 6:32
  you
• 6:32
  kind
• 6:33
  of
• 6:33
  woke
• 6:33
  me
• 6:33
  up
• 6:33
  to
• 6:33
  this.
• 6:34
  What
• 6:34
  can
• 6:34
  we
• 6:35
  do?
• 6:36
  And
• 6:36
  that's
• 6:36
  the
• 6:36
  question
• 6:37
  of
• 6:37
  today.
• 6:37
  How
• 6:37
  can
• 6:38
  we
• 6:38
  transform
• 6:38
  that
• 6:39
  back
• 6:39
  to
• 6:39
  school
• 6:39
  financial
• 6:39
  dread
• 6:40
  into
• 6:40
  calm,
• 6:41
  savvy
• 6:42
  money
• 6:42
  saving
• 6:43
  missions?
• 6:44
  Well,
• 6:45
  as
• 6:45
  normal,
• 6:45
  I've
• 6:45
  got
• 6:45
  a
• 6:46
  solution
• 6:46
  for
• 6:46
  you.
• 6:46
  And
• 6:46
  it
• 6:47
  all
• 6:47
  comes
• 6:47
  down
• 6:47
  to
• 6:47
  intentionality.
• 6:48
  That's
• 6:48
  what
• 6:48
  it
• 6:48
  really
• 6:48
  comes
• 6:49
  down
• 6:49
  to.
• 6:49
  And
• 6:50
  that
• 6:50
  is
• 6:50
  to
• 6:50
  start
• 6:50
  your
• 6:51
  back
• 6:51
  to
• 6:51
  school
• 6:51
  preparation
• 6:52
  and
• 6:53
  budgeting
• 6:53
  early
• 6:53
  in
• 6:54
  the
• 6:54
  summer.
• 6:54
  Now,
• 6:54
  if
• 6:54
  you're
• 6:54
  listening
• 6:55
  to
• 6:55
  this
• 6:55
  right
• 6:55
  now,
• 6:56
  as
• 6:56
  this
• 6:56
  comes
• 6:56
  out,
• 6:56
  it's
• 6:57
  middle
• 6:57
  of
• 6:57
  August,
• 6:58
  but
• 6:58
  maybe
• 6:59
  you've
• 6:59
  got
• 6:59
  just
• 6:59
  a
• 6:59
  couple
• 6:59
  weeks.
• 7:00
  Hey,
• 7:00
  that's
• 7:00
  better
• 7:00
  than
• 7:01
  no
• 7:01
  weeks.
• 7:01
  And
• 7:02
  if
• 7:02
  you're
• 7:02
  like
• 7:02
  my
• 7:02
  daughter
• 7:03
  in
• 7:03
  law
• 7:03
  down
• 7:03
  in
• 7:03
  Texas,
• 7:04
  you're
• 7:04
  already
• 7:04
  back
• 7:04
  in
• 7:04
  school,
• 7:05
  but
• 7:05
  we
• 7:05
  can
• 7:05
  still
• 7:05
  learn
• 7:06
  from
• 7:06
  this.
• 7:07
  So
• 7:07
  I
• 7:07
  just
• 7:07
  want
• 7:07
  to
• 7:07
  give
• 7:08
  you
• 7:08
  your
• 7:09
  one
• 7:09
  action
• 7:09
  step
• 7:09
  for
• 7:10
  today
• 7:10
  so
• 7:10
  that
• 7:11
  you
• 7:11
  be
• 7:11
  prepared.
• 7:11
  And
• 7:12
  hey,
• 7:12
  you
• 7:12
  might
• 7:12
  take
• 7:13
  this
• 7:13
  lesson,
• 7:13
  pass
• 7:14
  it
• 7:14
  on
• 7:14
  to
• 7:14
  some
• 7:14
  friends,
• 7:14
  share
• 7:15
  the
• 7:15
  show
• 7:15
  with
• 7:15
  somebody,
• 7:16
  because
• 7:16
  hey,
• 7:16
  a
• 7:16
  lot
• 7:16
  of
• 7:16
  people
• 7:16
  are
• 7:17
  in
• 7:17
  this
• 7:17
  right
• 7:17
  now.
• 7:18
  So
• 7:18
  your
• 7:18
  big
• 7:19
  goal
• 7:19
  today
• 7:19
  is
• 7:20
  to
• 7:20
  save
• 7:20
  on
• 7:21
  back
• 7:21
  to
• 7:21
  school
• 7:21
  prep.
• 7:22
  And
• 7:22
  here's
• 7:22
  what
• 7:22
  I'm
• 7:22
  encouraging
• 7:23
  you
• 7:23
  to
• 7:23
  do.
• 7:23
  First
• 7:23
  thing
• 7:24
  I
• 7:24
  want
• 7:24
  you
• 7:24
  to
• 7:24
  do
• 7:24
  is
• 7:25
  to
• 7:25
  create
• 7:25
  an
• 7:25
  Earth
• 7:26
  early
• 7:26
  needs
• 7:26
  list.
• 7:27
  Hey,
• 7:27
  get
• 7:27
  that
• 7:27
  school
• 7:27
  supply
• 7:28
  list
• 7:28
  out.
• 7:29
  A
• 7:29
  lot
• 7:29
  of
• 7:29
  times
• 7:29
  as
• 7:29
  schools
• 7:30
  make
• 7:30
  it
• 7:30
  available
• 7:30
  online.
• 7:31
  Hey,
• 7:31
  you
• 7:31
  could
• 7:31
  even
• 7:32
  use
• 7:32
  last
• 7:32
  year's
• 7:33
  guide
• 7:33
  if
• 7:33
  they
• 7:33
  haven't
• 7:33
  posted
• 7:34
  this
• 7:34
  year.
• 7:34
  In
• 7:35
  my
• 7:35
  experience,
• 7:35
  things
• 7:35
  don't
• 7:36
  change
• 7:36
  that
• 7:36
  much.
• 7:37
  This
• 7:37
  is
• 7:37
  the
• 7:38
  time
• 7:38
  to
• 7:38
  sit
• 7:38
  down
• 7:38
  with
• 7:39
  your
• 7:39
  kids
• 7:39
  and
• 7:40
  identify
• 7:40
  those
• 7:41
  essentials
• 7:41
  they're
• 7:42
  going
• 7:42
  to
• 7:42
  need.
• 7:42
  Look
• 7:42
  at
• 7:42
  their
• 7:42
  closet.
• 7:43
  Like
• 7:43
  I
• 7:43
  said
• 7:43
  before
• 7:44
  on
• 7:44
  the
• 7:44
  show,
• 7:44
  my
• 7:44
  mom
• 7:44
  used
• 7:44
  to
• 7:45
  pull
• 7:45
  everything
• 7:45
  out
• 7:45
  of
• 7:45
  the
• 7:46
  closet,
• 7:46
  put
• 7:46
  it
• 7:47
  all
• 7:47
  in
• 7:47
  nice
• 7:47
  stacks.
• 7:48
  Okay,
• 7:48
  does
• 7:48
  this
• 7:48
  fit?
• 7:49
  Does
• 7:49
  this
• 7:49
  fit?
• 7:50
  Can
• 7:50
  you
• 7:50
  wear
• 7:50
  this
• 7:50
  to
• 7:51
  school?
• 7:51
  How
• 7:51
  about
• 7:51
  these
• 7:52
  shoes?
• 7:52
  What
• 7:52
  are
• 7:52
  the.
• 7:52
  The
• 7:53
  tech
• 7:53
  things.
• 7:53
  And
• 7:53
  we
• 7:53
  didn't
• 7:54
  have
• 7:54
  much
• 7:54
  tech
• 7:54
  things
• 7:54
  when
• 7:54
  I
• 7:55
  was
• 7:55
  back
• 7:55
  in
• 7:55
  school
• 7:56
  dating
• 7:56
  myself
• 7:56
  a
• 7:57
  little
• 7:57
  bit.
• 7:57
  But
• 7:57
  tech
• 7:57
  seem
• 7:58
  to
• 7:58
  be
• 7:58
  a
• 7:58
  big
• 7:58
  issue.
• 7:59
  But
• 7:59
  list
• 8:00
  everything
• 8:00
  that
• 8:00
  you
• 8:01
  need.
• 8:01
  Make
• 8:01
  a
• 8:01
  list,
• 8:02
  put
• 8:02
  it
• 8:02
  pen
• 8:02
  to
• 8:02
  paper.
• 8:03
  Don't
• 8:03
  miss
• 8:04
  anything.
• 8:05
  Start
• 8:05
  that
• 8:05
  early.
• 8:06
  Get
• 8:06
  that
• 8:06
  list
• 8:07
  developed.
• 8:07
  Now
• 8:07
  here's
• 8:08
  the
• 8:08
  second
• 8:08
  thing,
• 8:08
  and
• 8:08
  a
• 8:09
  lot
• 8:09
  of
• 8:09
  people
• 8:09
  don't
• 8:09
  think
• 8:09
  about
• 8:10
  this
• 8:10
  one.
• 8:10
  This
• 8:11
  is
• 8:11
  time
• 8:11
  to
• 8:11
  take
• 8:12
  an
• 8:12
  inventory
• 8:12
  of
• 8:13
  what
• 8:13
  you
• 8:13
  already
• 8:13
  have
• 8:14
  and
• 8:14
  listen.
• 8:15
  Look
• 8:15
  for
• 8:15
  some
• 8:15
  creative
• 8:16
  ways
• 8:16
  to
• 8:16
  reuse
• 8:17
  it.
• 8:17
  Look
• 8:17
  through
• 8:18
  your
• 8:18
  house,
• 8:18
  look
• 8:18
  through
• 8:19
  your
• 8:19
  children's
• 8:19
  belongings.
• 8:20
  Dig
• 8:20
  out
• 8:20
  those
• 8:21
  drawers
• 8:21
  where
• 8:21
  they've
• 8:21
  hidden
• 8:22
  that
• 8:22
  stuff
• 8:22
  over
• 8:23
  the
• 8:23
  summer.
• 8:24
  Start
• 8:24
  asking
• 8:24
  yourself
• 8:25
  what
• 8:25
  can
• 8:25
  be
• 8:25
  reused.
• 8:26
  Hey,
• 8:26
  maybe
• 8:26
  there's
• 8:27
  some
• 8:27
  supplies.
• 8:27
  There's
• 8:28
  a
• 8:28
  half
• 8:28
  filled
• 8:29
  bottle
• 8:29
  of
• 8:29
  glue
• 8:30
  from
• 8:30
  last
• 8:30
  year.
• 8:31
  If
• 8:31
  they
• 8:31
  even
• 8:31
  use.
• 8:31
  I'm
• 8:32
  not
• 8:32
  even
• 8:32
  sure.
• 8:32
  But
• 8:32
  look
• 8:33
  at
• 8:33
  the
• 8:33
  clothes.
• 8:33
  Like
• 8:33
  I
• 8:33
  said,
• 8:34
  my
• 8:34
  mother
• 8:34
  would
• 8:34
  lay
• 8:35
  everything
• 8:35
  out.
• 8:35
  She
• 8:35
  would
• 8:36
  make
• 8:36
  sure
• 8:36
  things
• 8:37
  fit.
• 8:37
  Look
• 8:37
  at
• 8:37
  the
• 8:37
  shoes.
• 8:38
  Maybe
• 8:38
  they've
• 8:38
  got
• 8:38
  some
• 8:39
  sneakers
• 8:39
  from
• 8:39
  over
• 8:40
  the
• 8:40
  summer.
• 8:40
  They
• 8:41
  could
• 8:41
  still
• 8:41
  wear
• 8:41
  those
• 8:41
  for
• 8:42
  the
• 8:42
  first
• 8:42
  couple
• 8:42
  weeks.
• 8:42
  School.
• 8:43
  Hey,
• 8:43
  you
• 8:43
  don't
• 8:43
  need
• 8:43
  to
• 8:43
  go
• 8:43
  break
• 8:43
  the
• 8:44
  bank.
• 8:44
  And
• 8:45
  then
• 8:45
  ask
• 8:45
  yourself
• 8:45
  this.
• 8:46
  What
• 8:46
  can
• 8:46
  you
• 8:46
  fix?
• 8:46
  What
• 8:47
  can
• 8:47
  you
• 8:47
  mend?
• 8:48
  Get
• 8:49
  skillful
• 8:49
  in
• 8:49
  this.
• 8:50
  This
• 8:50
  is
• 8:50
  all
• 8:51
  about
• 8:51
  trying
• 8:51
  to
• 8:51
  save
• 8:52
  you
• 8:52
  money.
• 8:52
  So
• 8:52
  once
• 8:52
  you
• 8:53
  figure
• 8:53
  out
• 8:53
  what
• 8:53
  they
• 8:53
  need,
• 8:54
  we
• 8:54
  figure
• 8:54
  out
• 8:55
  what
• 8:55
  they've
• 8:55
  got.
• 8:55
  Then
• 8:56
  start
• 8:56
  by
• 8:56
  putting
• 8:57
  together
• 8:57
  a
• 8:57
  realistic
• 8:58
  budget.
• 8:59
  If
• 8:59
  you
• 8:59
  really
• 9:00
  want
• 9:00
  to
• 9:00
  break
• 9:00
  this
• 9:01
  cycle
• 9:01
  of
• 9:02
  getting
• 9:02
  yourself
• 9:02
  in
• 9:03
  over
• 9:03
  your
• 9:03
  head
• 9:04
  based
• 9:04
  on
• 9:04
  that
• 9:05
  comprehensive
• 9:05
  needs
• 9:06
  list,
• 9:06
  what
• 9:07
  you
• 9:07
  can
• 9:07
  use,
• 9:07
  what
• 9:07
  you
• 9:08
  need
• 9:08
  to
• 9:08
  reuse,
• 9:08
  what
• 9:08
  you
• 9:09
  need
• 9:09
  to
• 9:09
  buy
• 9:10
  right
• 9:10
  down
• 9:10
  right
• 9:10
  next
• 9:11
  to
• 9:11
  it.
• 9:11
  How
• 9:11
  much
• 9:11
  you
• 9:11
  need
• 9:12
  to
• 9:12
  budget
• 9:12
  for
• 9:12
  this.
• 9:12
  Don't
• 9:13
  forget
• 9:13
  anything.
• 9:13
  The
• 9:13
  supplies
• 9:14
  like
• 9:14
  I
• 9:14
  talked
• 9:14
  about,
• 9:14
  the
• 9:15
  clothes,
• 9:15
  the
• 9:15
  shoes.
• 9:16
  Hey,
• 9:16
  don't
• 9:16
  forget
• 9:16
  about
• 9:16
  this
• 9:17
  one.
• 9:17
  A
• 9:17
  lot
• 9:17
  of
• 9:17
  people
• 9:17
  don't
• 9:18
  think
• 9:18
  about
• 9:18
  this.
• 9:18
  All
• 9:18
  those
• 9:19
  fees.
• 9:19
  Maybe
• 9:19
  you're
• 9:20
  getting
• 9:20
  kids
• 9:20
  do
• 9:20
  extracurricular
• 9:21
  activities
• 9:22
  or
• 9:22
  school
• 9:22
  sports.
• 9:23
  Put
• 9:23
  those
• 9:23
  all
• 9:23
  down.
• 9:24
  Maybe
• 9:24
  there's
• 9:24
  some
• 9:24
  tech
• 9:25
  fees
• 9:25
  they
• 9:25
  need
• 9:25
  to
• 9:25
  do.
• 9:26
  And
• 9:26
  here's
• 9:27
  my
• 9:27
  final
• 9:27
  little
• 9:28
  tidbit.
• 9:28
  Or
• 9:28
  my
• 9:29
  pro
• 9:29
  tip
• 9:29
  for
• 9:29
  today
• 9:30
  is
• 9:30
  shop
• 9:31
  smart.
• 9:31
  Hey,
• 9:31
  maybe
• 9:32
  just
• 9:32
  identifying
• 9:33
  one
• 9:33
  item
• 9:33
  and
• 9:33
  go
• 9:34
  look
• 9:34
  at
• 9:34
  buying
• 9:34
  that
• 9:35
  now
• 9:35
  for
• 9:35
  a
• 9:35
  good
• 9:35
  price
• 9:36
  instead
• 9:36
  of
• 9:36
  trying
• 9:37
  to
• 9:37
  scramble
• 9:37
  around.
• 9:37
  Hey,
• 9:38
  right
• 9:38
  now
• 9:38
  there's
• 9:39
  some
• 9:39
  great
• 9:39
  clearance
• 9:40
  sales
• 9:40
  on
• 9:40
  some
• 9:41
  summer
• 9:41
  clothing.
• 9:42
  And
• 9:42
  to
• 9:42
  be
• 9:42
  honest
• 9:42
  with
• 9:43
  you,
• 9:43
  like
• 9:43
  I'm
• 9:43
  on
• 9:43
  the
• 9:43
  east
• 9:44
  coast,
• 9:44
  I
• 9:44
  don't
• 9:44
  know
• 9:44
  where
• 9:44
  you're,
• 9:45
  where
• 9:45
  you're
• 9:45
  at,
• 9:45
  where
• 9:45
  you're
• 9:45
  watching
• 9:46
  or
• 9:46
  listening
• 9:46
  to
• 9:46
  this,
• 9:47
  but
• 9:47
  compare
• 9:47
  prices
• 9:48
  online.
• 9:48
  That's
• 9:49
  the
• 9:49
  one
• 9:49
  of
• 9:49
  the
• 9:49
  great
• 9:49
  things
• 9:49
  about
• 9:50
  the
• 9:50
  Internet.
• 9:51
  It
• 9:51
  gives
• 9:51
  you
• 9:51
  the
• 9:51
  ability
• 9:52
  to
• 9:52
  really,
• 9:52
  you
• 9:53
  know,
• 9:53
  compare
• 9:53
  things
• 9:54
  online
• 9:54
  and
• 9:54
  decide
• 9:55
  where
• 9:55
  you
• 9:55
  can
• 9:55
  buy
• 9:56
  stuff
• 9:56
  that
• 9:56
  you
• 9:57
  don't
• 9:57
  have
• 9:57
  to
• 9:57
  spend
• 9:58
  and
• 9:59
  a
• 9:59
  ton
• 9:59
  of
• 9:59
  money.
• 10:00
  And
• 10:00
  here's
• 10:00
  the
• 10:01
  benefit
• 10:01
  to
• 10:01
  this.
• 10:01
  The
• 10:02
  earlier
• 10:02
  you
• 10:02
  start,
• 10:03
  it's
• 10:03
  going
• 10:04
  to
• 10:04
  spread
• 10:04
  out
• 10:04
  that
• 10:04
  cost
• 10:05
  because
• 10:05
  I
• 10:05
  really
• 10:06
  want
• 10:06
  to
• 10:06
  help
• 10:06
  you.
• 10:06
  I
• 10:06
  want
• 10:07
  to
• 10:07
  help
• 10:07
  you
• 10:07
  fight
• 10:07
  that
• 10:08
  struggle
• 10:08
  and
• 10:08
  stress
• 10:09
  of
• 10:09
  that
• 10:09
  last
• 10:09
  minute
• 10:10
  overspending
• 10:10
  and
• 10:11
  that
• 10:11
  frantic
• 10:12
  scramble.
• 10:12
  So
• 10:12
  many
• 10:13
  of
• 10:13
  us
• 10:13
  can,
• 10:13
  can
• 10:13
  relate
• 10:14
  that
• 10:14
  my
• 10:14
  kids
• 10:14
  are
• 10:14
  older
• 10:15
  now,
• 10:15
  but
• 10:15
  I
• 10:15
  remember
• 10:15
  the
• 10:15
  scramble.
• 10:16
  It's
• 10:16
  back
• 10:16
  to
• 10:17
  school.
• 10:17
  We
• 10:17
  got
• 10:17
  to
• 10:17
  go
• 10:17
  get
• 10:17
  this,
• 10:17
  we
• 10:18
  got
• 10:18
  to
• 10:18
  go
• 10:18
  get
• 10:18
  that.
• 10:18
  Where's
• 10:18
  the
• 10:19
  backpacks?
• 10:19
  I
• 10:19
  mean,
• 10:19
  you
• 10:20
  can
• 10:20
  just
• 10:20
  imagine
• 10:20
  the
• 10:21
  stress
• 10:21
  on
• 10:21
  people.
• 10:22
  But
• 10:22
  I
• 10:22
  really
• 10:23
  want
• 10:23
  you
• 10:23
  to
• 10:23
  break
• 10:23
  this
• 10:23
  down
• 10:24
  into
• 10:24
  a
• 10:24
  planned,
• 10:25
  manageable
• 10:25
  process
• 10:26
  so
• 10:26
  you
• 10:27
  can
• 10:27
  take
• 10:27
  advantage
• 10:27
  of
• 10:27
  those
• 10:28
  sales.
• 10:28
  You
• 10:28
  can
• 10:28
  go
• 10:29
  through
• 10:29
  their
• 10:29
  stuff,
• 10:30
  reuse
• 10:30
  their
• 10:30
  items
• 10:31
  and
• 10:31
  spread
• 10:31
  out
• 10:31
  those
• 10:32
  costs
• 10:32
  instead
• 10:33
  of
• 10:33
  doing
• 10:33
  it
• 10:33
  all
• 10:33
  at
• 10:34
  the
• 10:34
  last
• 10:34
  minute,
• 10:35
  all
• 10:35
  with
• 10:35
  the
• 10:35
  goal
• 10:36
  to
• 10:36
  empower
• 10:36
  you
• 10:37
  for
• 10:37
  a
• 10:37
  peaceful,
• 10:38
  confident
• 10:39
  approach
• 10:40
  to
• 10:40
  make
• 10:40
  sure
• 10:40
  your
• 10:40
  kids
• 10:40
  are
• 10:41
  equipped
• 10:41
  wisely
• 10:42
  and
• 10:42
  do
• 10:42
  it
• 10:42
  within
• 10:43
  your
• 10:43
  means.
• 10:43
  How
• 10:44
  about
• 10:44
  we
• 10:44
  pray
• 10:44
  together?
• 10:46
  Father
• 10:46
  God,
• 10:46
  we
• 10:46
  just
• 10:46
  thank
• 10:47
  you
• 10:47
  for
• 10:47
  the
• 10:47
  gift
• 10:47
  of
• 10:47
  education
• 10:48
  and
• 10:48
  for
• 10:49
  guiding
• 10:49
  our
• 10:49
  children,
• 10:49
  Lord.
• 10:50
  And
• 10:50
  we
• 10:50
  confess
• 10:51
  that
• 10:51
  preparing
• 10:51
  for
• 10:51
  back
• 10:52
  to
• 10:52
  school
• 10:52
  often
• 10:52
  brings
• 10:53
  financial
• 10:53
  stress
• 10:54
  most
• 10:54
  of
• 10:54
  the
• 10:55
  time
• 10:55
  because
• 10:55
  we're
• 10:55
  rushing
• 10:56
  around
• 10:56
  and
• 10:56
  we
• 10:56
  haven't
• 10:57
  planned
• 10:57
  well.
• 10:58
  So
• 10:58
  Lord,
• 10:59
  grant
• 10:59
  us
• 10:59
  wisdom
• 10:59
  and
• 11:00
  foresight
• 11:00
  in
• 11:00
  planning
• 11:01
  for
• 11:01
  these
• 11:01
  expenses.
• 11:02
  Help
• 11:03
  us
• 11:03
  to
• 11:03
  be
• 11:03
  diligent
• 11:03
  in
• 11:04
  creating
• 11:04
  our
• 11:04
  needs
• 11:04
  list,
• 11:05
  Lord,
• 11:05
  and
• 11:05
  budgeting
• 11:06
  for
• 11:06
  those
• 11:06
  things
• 11:06
  wisely.
• 11:07
  We
• 11:08
  ask
• 11:08
  that
• 11:08
  you
• 11:08
  would
• 11:08
  guide
• 11:09
  us
• 11:09
  in
• 11:09
  finding
• 11:09
  savings
• 11:10
  and
• 11:10
  making
• 11:10
  those
• 11:11
  thoughtful
• 11:11
  purchases.
• 11:13
  And
• 11:13
  Lord,
• 11:13
  we
• 11:13
  ask
• 11:13
  that
• 11:13
  you
• 11:14
  would
• 11:14
  help
• 11:14
  our
• 11:14
  children
• 11:14
  be
• 11:15
  well
• 11:15
  equipped
• 11:15
  for
• 11:15
  the
• 11:16
  school
• 11:16
  year.
• 11:16
  And
• 11:16
  may
• 11:17
  our
• 11:17
  finances
• 11:17
  reflect
• 11:18
  Your
• 11:18
  peace.
• 11:18
  And
• 11:19
  we
• 11:19
  ask
• 11:19
  this
• 11:19
  in
• 11:19
  confidence.
• 11:20
  In
• 11:21
  Jesus
• 11:21
  name,
• 11:22
  Amen.
• 11:23
  Listen,
• 11:25
  I
• 11:25
  hope
• 11:25
  you're
• 11:25
  hearing
• 11:26
  me
• 11:26
  loud
• 11:26
  and
• 11:26
  clear
• 11:26
  today.
• 11:27
  This
• 11:28
  back
• 11:28
  to
• 11:28
  school
• 11:28
  is
• 11:28
  not
• 11:29
  a
• 11:29
  surprise.
• 11:30
  It's
• 11:30
  all
• 11:30
  about
• 11:30
  proactive
• 11:31
  planning
• 11:31
  for
• 11:32
  back
• 11:32
  to
• 11:32
  school.
• 11:32
  Because
• 11:32
  that's
• 11:33
  your
• 11:33
  secret
• 11:33
  weapon
• 11:34
  to
• 11:34
  build
• 11:35
  a
• 11:35
  way
• 11:36
  and
• 11:36
  get
• 11:36
  past
• 11:37
  that
• 11:37
  stress
• 11:38
  that
• 11:38
  comes
• 11:38
  with
• 11:38
  the
• 11:38
  fall
• 11:39
  season.
• 11:39
  So
• 11:39
  I'm
• 11:40
  gonna
• 11:40
  encourage
• 11:40
  you
• 11:40
  once
• 11:40
  again,
• 11:41
  take
• 11:41
  that
• 11:41
  step
• 11:41
  today
• 11:42
  to
• 11:42
  create
• 11:42
  your
• 11:42
  needs
• 11:43
  list
• 11:43
  and
• 11:43
  make
• 11:43
  one
• 11:44
  smart
• 11:44
  purchase
• 11:44
  early.
• 11:45
  Because
• 11:45
  listen
• 11:45
  to
• 11:46
  me.
• 11:46
  I
• 11:46
  have
• 11:47
  confidence
• 11:47
  that
• 11:47
  you're
• 11:47
  moving
• 11:48
  towards
• 11:48
  true
• 11:48
  freedom.
• 11:49
  And
• 11:50
  right
• 11:50
  now,
• 11:50
  I
• 11:50
  want
• 11:50
  to
• 11:50
  ask
• 11:50
  you
• 11:51
  to
• 11:51
  do
• 11:51
  me
• 11:51
  a
• 11:51
  favor.
• 11:51
  Hey,
• 11:52
  if
• 11:52
  this
• 11:52
  episode
• 11:53
  has
• 11:53
  resonated
• 11:53
  with
• 11:54
  you,
• 11:54
  you're
• 11:54
  thinking,
• 11:54
  I
• 11:54
  know
• 11:55
  a
• 11:55
  lot
• 11:55
  of
• 11:55
  people
• 11:55
  could
• 11:55
  benefit
• 11:56
  from
• 11:56
  this
• 11:56
  because
• 11:56
  I
• 11:57
  know
• 11:57
  all
• 11:57
  the
• 11:57
  other
• 11:57
  moms
• 11:58
  around
• 11:58
  the
• 11:58
  block.
• 11:58
  We're
• 11:59
  all
• 11:59
  struggling
• 11:59
  right
• 11:59
  now.
• 12:00
  I
• 12:00
  want
• 12:00
  to
• 12:00
  ask
• 12:00
  you
• 12:00
  to
• 12:00
  do
• 12:00
  something
• 12:01
  for
• 12:01
  me.
• 12:01
  Share
• 12:01
  the
• 12:02
  show
• 12:02
  with
• 12:02
  them.
• 12:02
  Send
• 12:03
  them
• 12:03
  a
• 12:03
  text,
• 12:03
  send
• 12:03
  them
• 12:03
  an
• 12:03
  email.
• 12:04
  Just
• 12:04
  said,
• 12:04
  hey,
• 12:04
  you
• 12:05
  got
• 12:05
  to
• 12:05
  listen
• 12:05
  to
• 12:05
  the
• 12:05
  show.
• 12:05
  This
• 12:05
  guy
• 12:06
  Ralph
• 12:06
  has
• 12:06
  lost
• 12:06
  his
• 12:06
  mind,
• 12:07
  but
• 12:07
  he's
• 12:07
  right
• 12:07
  on
• 12:08
  point
• 12:08
  about
• 12:08
  these
• 12:08
  back
• 12:08
  to
• 12:09
  school
• 12:09
  expenses.
• 12:10
  You
• 12:10
  can
• 12:10
  point
• 12:10
  them
• 12:11
  to
• 12:11
  financiallyconfidentchristian.com
• 12:14
  A
• 12:15
  lot
• 12:15
  of
• 12:15
  us
• 12:15
  can
• 12:15
  benefit
• 12:16
  from
• 12:16
  this.
• 12:16
  I
• 12:16
  guess
• 12:17
  my
• 12:17
  next
• 12:17
  step
• 12:17
  will
• 12:18
  be
• 12:18
  buying
• 12:18
  for
• 12:18
  my
• 12:18
  my
• 12:19
  grandkids.
• 12:19
  Once
• 12:19
  we
• 12:20
  have
• 12:20
  grandkids,
• 12:20
  back
• 12:20
  to
• 12:21
  school.
• 12:21
  But
• 12:21
  if
• 12:21
  you've
• 12:21
  got
• 12:21
  kids
• 12:22
  right
• 12:22
  now,
• 12:22
  share
• 12:22
  this
• 12:23
  with
• 12:23
  somebody
• 12:23
  else.
• 12:24
  Now
• 12:24
  tomorrow,
• 12:25
  beyond
• 12:25
  the
• 12:25
  school
• 12:26
  expenses,
• 12:27
  we're
• 12:27
  going
• 12:27
  to
• 12:27
  talk
• 12:27
  about
• 12:27
  getting
• 12:28
  ahead
• 12:28
  for
• 12:28
  the
• 12:28
  entire
• 12:29
  fall
• 12:29
  season.
• 12:29
  I'm
• 12:30
  going
• 12:30
  to
• 12:30
  share
• 12:30
  with
• 12:30
  you
• 12:30
  how
• 12:31
  to
• 12:31
  pre
• 12:31
  plan
• 12:31
  your
• 12:31
  expenses
• 12:32
  beyond
• 12:32
  just
• 12:32
  the
• 12:33
  school
• 12:33
  year.
• 12:33
  We're
• 12:34
  going
• 12:34
  to
• 12:34
  talk
• 12:34
  about
• 12:34
  holiday
• 12:35
  plans
• 12:35
  and
• 12:35
  and
• 12:35
  some
• 12:36
  seasonal
• 12:36
  changes.
• 12:37
  So
• 12:37
  I'm
• 12:37
  going
• 12:37
  to
• 12:37
  encourage
• 12:38
  you.
• 12:38
  Don't
• 12:38
  miss
• 12:38
  it.
• 12:38
  Make
• 12:39
  sure
• 12:39
  you
• 12:39
  join
• 12:39
  me
• 12:39
  tomorrow.
• 12:40
  Now
• 12:41
  let's
• 12:41
  all
• 12:41
  go
• 12:41
  out
• 12:41
  there
• 12:41
  today
• 12:42
  and
• 12:42
  be
• 12:42
  those
• 12:42
  financially
• 12:43
  confident
• 12:44
  Christians.
• 12:44
  You
• 12:45
  truly
• 12:45
  can
• 12:45
  do
• 12:46
  this.
• 12:46
  I
• 12:46
  have
• 12:46
  confidence
• 12:47
  in
• 12:47
  you.
• 12:47
  Have
• 12:48
  some
• 12:48
  confidence
• 12:48
  in
• 12:48
  yourself.
• 12:49
  Stay
• 12:49
  financially
• 12:50
  savvy,
• 12:50
  Always
• 12:51
  plan.
• 12:51
  God
• 12:52
  bless
• 12:52
  you
• 12:52
  and
• 12:52
  you
• 12:53
  have
• 12:53
  a
• 12:53
  great
• 12:53
  day.