To change your finances you must change your behavior

Dave Ramsey says that “finances is 20% head knowledge and 80% behavior.”

The reality is that most of us know more than we apply. For instance, don’t spend more than you have; yet studies indicate that we regularly do just that and consequently we have debt.

Anyhow, I’ve been reading Suze Orman’s book, “Action Plan (New Rules for New Times)” while on vacation.

She references a study that confirms Ramsey’s adage:

“A recent study by the Federal Reserve of Boston concluded that 40-50% of modified loans end up delinquent again within six months.”

Essentially a loan is modified in an effort to lower monthly mortgage payments (a service brought to you courtesy of the Home Affordable Modification Program… an initiative of the federal government).

This study reveals that even with lower monthly payments, within six months people are in trouble again. Essentially the loan modification proved to be a band-aid to the symptom. The real problem is a behavioral one, otherwise the modified loan would have fixed the problem of almost 1 of 2 program participants.

The issue is not a knowledge deficit, it is a behavior problem.

The truth is that until we get our behavior under control we will continue to have financial problems.

If you are struggling financially the first place to look is in the mirror.

Chances are that if you change your behavior you will see a change in your finances. So, what do you need to stop/start first?

Nurturing vitality

My friends and mentors Shawn Lovejoy and David Putman speak often of “nurturing vitality.” This is one of the “best practices” of ministry that they teach and model. For what it’s worth, it is a “best practice” of a healthy life no matter what your profession may be.

I am nurturing vitality this week by spending early mornings with God, all day on the beach with my family, and the evenings alone with my bride. I will come back a stronger man, better prepared to tackle the next phase of life, ministry and leadership.

I want to flesh out “nurture vitality” a little bit.

Nurture: (definition taken from www.dictionary.com)

1. to feed and protect: to nurture one’s offspring.
2. to support and encourage, as during the period of training or development; foster: to nurture promising musicians.
3. to bring up; train; educate.

Vitality: (definition taken from www.dictionary.com)

1. exuberant physical strength or mental vigor: a person of great vitality.
2. capacity for survival or for the continuation of a meaningful or purposeful existence: the vitality of an institution.
3. power to live or grow: the vitality of a language.
4. vital force or principle
Here’s the thing about “nurturing vitality”, no one can do it better for you than you, and no one is likely to do it for you but you. In other words, you are the best and only person to nurture your vitality.
The best gift you have to give anyone is you, and if you is beaten up and worn down you won’t be very helpful… in fact you may actually be a drain on those around you.
I once heard Bill Hybels say, “The best gift I can give to those I lead is a well rested, fully surrendered self.” I believe that he is right. Your time, your wisdom, your strength, your leadership, your passion, your honesty, your love… you. These are the gifts that change lives and make the world a better place and they can only come from an individual who is alive and full… someone who has nurtured their own vitality.
A few thoughts about nurturing vitality:
  • It has to happen regularly. (daily = small blocks of time; annually = large blocks of time)
  • It won’t happen by accident or spontaneously. You must plan to do it… and then do it.
  • It is not easy to stop working. You will feel like a slacker and want to postpone your “nurture vitality time.” Don’t do it. (By the way, going into this week of vacation I did not want to stop. There is much to do and I was hesitant to get off the radar for a week).
  • For me, time off always clarifies priorities and refreshes my energy for the important things.
You know that your kids are watching and even imitating you. You know that the people you are leading (in your work environment, home environment, church environment, etc.) are watching and determining whether or not to follow and/or even model themselves after you.
The question you and I must ask ourselves is, “Is who/what I am right now worth reproducing?” In other words, do I want my kids to be like me? Do I want the people I lead to be like me?
If not, then you’d better get away and nurture some vitality so that who you are and what you are doing is worthy of imitation.
Alrighty… it’s time to go watch a movie and then put my toes in the water!

Vacation – adventure at the aquarium

Vacation thus far has been terrific!

Yesterday we took some much needed time away from the beach and went to the local aquarium.

All in all it was a pretty fun experience but there were a few tense moments, like for instance when we all were feeling pretty crabby…

And then of course there was the life-threatening encounter with the alligator…

Fortunately we all survived the day and ended our tour on a happy note…

2 questions kids are asking

On the way down here (to the beach) we stopped for a gut-bomb-burger (aka McDonalds). While we were there we saw a dad with his four kids, ages ranging from 6-16. He was having a blast with them and they were fully engaged in animated conversation with him too! It was refreshingly awesome to watch.

As they were preparing to leave I mentioned to him that we had enjoyed watching the interaction and that we especially enjoy seeing large families enjoy one another. And then I asked him for his “best parenting practice.”

After we talked for a while he shared something with us that had been shared with him. It was incredible so I want to share it with you.

He said that in most encounters, a child is asking one of two questions:

  • Who loves me?
  • Who is in control?

In the two days since then I have seen these two questions asked in a variety of ways but there just the same.

As Sherri and I have been reviewing our parenting and how our children interact with us, we agree with this man.

In almost every encounter we have an opportunity to express one of two things:

  • I love you.
  • I am in control here (by the way, this is more about training your child to be in control some day than it is a power trip).

A few miles and a few burps later McDonalds was gone for good, but that parenting nugget will stay forever.

Thank you nameless man who eats at McDonalds and is a really great dad!

13 Years Ago Today

Thirteen years ago today Sherri and I were married.

Today we are sitting on the same beach we came to on our honeymoon.

In thirteen years many things have happened:

  • We have five wonderful children.
  • We have lived in multiple states.
  • We have made many friends.
  • We have laughed a lot together.
  • We have cried a lot together.
  • We’ve made love.
  • We’ve fought.
  • We’ve bought and wrecked cars.
  • We’ve worked out like crazy some years and grown pudgy on others.
  • We’ve made budgets and blown them. We made budgets and mastered them.
  • We’ve made it through one bachelors degree and two masters degrees.
  • And on and on it goes…

I love Sherri.

She can roll with the punches as good as anyone I know. When times are good she knows how to celebrate and have fun. When times are tough she knows how to tighten the belt and survive. I’ve seen her do both. She rarely complains and always has more than a fair share of common sense. Her priorities are right, and the value she places on family and relationships serves as a constant reminder to me of “what is important.”

We talk often of memories. She says that “the only thing that will matter tomorrow are the memories we make today.” I think she’s right.

In an hour or so, five little ladies will pop out of bed ready to head to the beach. We will head to the beach and play hard all day long. We will laugh, eat sand, catch crabs, get submerged by big waves, get sunburned a little bit, and love one another like crazy! This is going to be a fun week! BUT, this week, this rest, this fun, these memories are only possible because thirteen years ago Sherri became my bride!

Happy anniversary to my favorite and only soulmate, Sherri Peterson.

The working rest

Monday morning I started by pressure washing this house.

By Friday at 5 p.m. I had completely painted this house.

Long hours. Weary body. Deeply fulfilled soul.

A little something different

This week I have been painting a house.

It has been refreshing. I have been working long days in the hot sun carrying ladders, slinging paint, and dodging rain drops.

I haven’t listened to the radio much and thus far this week I’ve only checked my e-mail one time. I haven’t twittered, and Facebook has not seen my face. It’s been nice.

Mark Batterson always says, “Change of place plus change of pace = maximum creativity.” I don’t know if painting a house will make me more creative but I do know that it will put a few callouses on my hands, give my body a good workout, give my mind a break, and let a whole different side of me get to work.

I like the break from mind work. It makes me better and I’ll come back stronger than ever!

So how about you? What do you do to change your pace and fire fresh juices into your system?

Mike and Rose got married (What the paper said)

Yesterday I blogged about Mike and Rose’s marriage.

Today it was in the paper. Here’s what The Herald had to say about this incredible day.

After 22 years ‘for poorer,’ friends help homeless couple wed

By Shawn Cetrone – scetrone@heraldonline.com

After dating for 22 years, Michael Gonteski and Rose Marie Grant had pretty much given up their hopes for a wedding. Bad breaks and financial trouble put that too far out of reach.

But last fall, the promise of a job brought them 600 miles from New Jersey to Rock Hill where a community would come together and change all of that.

Rose was 17 when she met Michael, then 20, at a roller skating rink.

“I’ve been in love with her since the first month,” he said. “I wouldn’t leave her side. I rode my bicycle six hours from Riverside (N.J.) to her house in Chatsworth.”

Money was tight. Michael worked in construction, roofing and fixing cars, work that was often temporary. Amid the recession, jobs dried up.

Michael took up an offer from an acquaintance to work as a mechanic in Rock Hill. The couple arrived in September to find that the job and housing arrangements fell through. They were among the more than 500 people in York County considered homeless.

They spent the winter in separate, temporary “warming shelters” intended to keep people off the streets on freezing nights. When those closed for the year, the couple moved to longer-term shelters. Michael went to The Haven Men’s Shelter off Archive Street, while Rose found a place at Pilgrims’ Inn women’s shelter off Main Street two miles away.

“As soon as he opened his eyes in the morning he would walk here to be with her,” Pilgrims’ Inn Director Susan Dean said. “He’s so devoted to her.”

“So far, it’s virtually impossible (here) for a couple without children to be housed together.

“From the get, Michael was in here asking us ‘Can I help you out? Can I carry that for you? Can I clean anything?’”

Dean’s staff helped the couple craft a plan for the future and got them into one of the shelter’s transitional apartments, where people can stay for up to two years while they work toward independence.

Touched by Michael’s and Rose’s commitment to each other, the staff began making calls to friends and local businesses.

Donations poured in: a suit for the groom, a wedding dress, rings for each, a cake, food and drinks for the reception, wedding gifts, an engagement ring.

The congregation at Church180, where Michael and Rose had started attending, volunteered to host. Meantime, the couple got good news.

On a day when Michael joined church members replacing the roof at Pilgrims’ Inn, a volunteer who works for a Charlotte construction company noticed Michael’s skills and told his boss. Michael was offered a temporary job that could become permanent.

“I absolutely see Michael and Rose as an example,” Dean said. “We work very hard to help all of our clients stabilize, but not all of them do … I’m quite sure they’re going to achieve independence and stability.”

On Saturday afternoon church members along with staff from Pilgrims’ Inn and United Way gathered in Church180′s auditorium. Pastor Paul Peterson’s 3-year-old daughter was the flower girl. Church member Taft Floyd’s son held the rings. Virgil Dey, a member of the church’s pastoral team, walked the bride down the aisle.

Michael and Rose locked eyes, said their vows then kissed for the first time as a married couple.

They were driven to the reception at Pilgrims’ Inn in a car adorned with white ribbons and dragging soda cans. On the back windshield someone had written “Just Married.”

“I feel real good,” Michael said after the reception. “They helped us out so much I can’t tell you how much they helped us.”

“It’s still overwhelming,” Rose said. “It won’t sink in for a couple days.”

They left for their honeymoon, a gift from an anonymous donor who booked a night at the Hilton Garden Inn with movie tickets and dinner at Chili’s.

Mike and Rose got married!

Saturday was a great day for Mike and Rose, Church180 and me.

Mike and Rose have been together for 22 years. On Saturday they got married.

Mike and Rose have seen some tough days. They have experienced a lot of things that would stagger most of us and yet they keep putting one foot in front of the other.

Mike and Rose live at Pilgrims Inn and attend Church180.

Last week Mike was a critical team player in putting the new roof on Pilgrims Inn.  I got to know Mike better and my respect for him has grown. He is a hard worker and a good man.

On Saturday I saw Church180 and Pilgrims Inn love Mike and Rose real good! I watched as everyone pitched in to make a memorable day for these two wonderful people.

In a day filled with highlights, one of my favorite was when Virgil Dey (one of our pastoral team) escorted the lovely Rose down the aisle and gave her away in a beautiful ceremony. In the absence of “family” the church stepped up and filled gap just fine!

It is exciting to watch Mike and Rose move from brokenness to wholeness.

God bless you Mike and Rose.

What the paper said about the work project

Volunteers renovate Rock Hill shelter

By Matt Garfield – mgarfield@heraldonline.com
0716Pilgrimsroof081.jpg

A day care for underprivileged children is getting much-needed renovations this week, thanks to a man called “Pastor Paul” and volunteers from his Rock Hill church.

Carrying handsaws, drills, screw guns and hammers, 15 volunteers arrived at Pilgrims’ Inn on Thursday to replace a leaky roof that had caused headaches for nearly a year.

Water dripped into a classroom for 4-year-olds after rain showers, forcing children to share crowded space in other rooms at the center on West Main Street, director Susan Dean said.

Peterson leads Church180, a contemporary church for about 80 people in a strip shopping center on Celanese Road, next to Omni Fitness.

The church adopted Pilgrims’ Inn last year, providing volunteer hours, meals, food supplies and even cards and baked treats for staff members on their birthdays.

“We talk a lot about world care – how can we care for our neighbors?” Peterson said. “I had a conversation with Susan and said, ‘What’s the one thing you really need done?’ Right away, she said the roof.”

A contractor told Dean the repairs could cost $10,000 to $15,000. Faced with tight budgets like most nonprofits these days, Dean wasn’t sure where to turn.

She mentioned the roof to Peterson, figuring Church180 might be able to help in some way. A few days later, hammers started swinging.

“I threw it out almost as a joke,” Dean said. “I was thinking they would paint a room or something.”

0716Pilgrimsroof027.jpg Church180 also adopted Rock Hill’s Ebinport Elementary School as a place to do volunteer work. There, volunteers are giving the cafeteria a facelift.

Peterson said his goal is to identify needs and act on them, rather than sit around talking about what to do. With this project, Peterson got some added manpower from a partner church in the Atlanta area called Mountain Lake Church.

On a break from roofing work Thursday, Josh Thomas said he didn’t hesitate when Pastor Paul told him about the need at Pilgrims’ Inn.

“I’ve lived in Rock Hill for almost eight years, and I didn’t know Pilgrims’ Inn existed until a few months ago,” the 34-year-old Thomas said. “It just made sense to come over and do what I could to help.”