Reality is this pandemic is not going away anytime soon.  If you don’t learn how to manage what you got, like the prices in the Kroger commercial, you will find your economic condition dropping lower and lower.  

Don’t be a servant to the one issuing the cash. Position yourself so that you are not at the mercy of the next stimulus check, or the next job lay-off. To do this you must have a plan! If your search the internet you may find some, but here is one that I know works.

 Warning, this is not for the weak of heart or weak of mind. It’s not for the lazy. This is for those serious about their condition and want OUT!  This is for those willing to invest time and effort. It’s for those willing to wait patient for the harvest without ripping it up before it’s produced. Below you will find six seeds to financial success. If you plant them, you are sure to reap the harvest!

 Here are the seeds:

This year, starting with your stimulus check , Plan to:

1. Return to the Most High God 10% of what he has given you (10% of all your earnings) belongs to Him.

2. Give a liberal gift of (1%, 2% -5%) to aid in helping others. Donate it to your church or some other non-profit organization that is helping people.

3. Keep 5 to 10% for yourself. Invest it in something that offers a guaranteed return, avoid risky investments.

4. Create a budget that allows you to live off what remains.

5. Pay off your debts, using the rollover method.

   • Put most of you funds on the smallest debt.

   • Use what remains to pay your other debts.

   • Then when the smallest debt is paid roll the funds paid to the previous debt to the next smallest debt.

   • Do this until you have paid every debtor.

6.   Finally, give of your time. Volunteer – offer a portion of your time to help someone else by tutoring, mentoring, distributing food, helping a senior citizen, feeding the homeless or whatever suits you

This may seem difficult at first, but with persistence, within a year, you will start to see the reward.

For the Nay Sayers: If you keep doing the same thing, you are sure to get the same results. But if you find yourself dropping lower and lower reconsider the formula.