Christian Financial Advice and Biblical Stewardship

Solution: Lay Some Tracks

  • 2004 17 May
Solution: Lay Some Tracks

What do you love to do so much you would pay someone to let you do it? Or, if you knew that tomorrow you could not fail, what would you put on your drawing board today?

Try to imagine what you could do in your life with that kind of belief system. So what's holding you back? Fear, time, money-or all of the above?


You can't touch it, you can't see it. Fear is something you hold in your mind. Most of the time what you fear you've never even experienced. If your fear of a negative outcome is keeping you from even trying, you will never succeed.

Try thinking of every 'failure' as a success. Every time you 'fail,' you have really succeeded because you've discovered what doesn't work and moved a step closer to success.


Saying that you don't have the time to do what you really love is probably not true. We find time to do the things that are important. It's a matter of priorities, of having the courage to back away from activities that clutter our lives and waste our time.


If you are working the debt-proof living plan and doing all you can to live below your means, you may not have the money right now to pursue your dreams. Things are tight, you are 100 percent committed to your Rapid Debt-Repayment Plan and that means no new debt. There's nothing wrong with that ... in fact, there's everything right about it! But consider this: It might not take money to start going after your dream. For sure it won't cost anything to start planning. You cannot leave your dream in cold storage even one more day.

Gifts and talents

Everyone has unique gifts and talents. What you love is what you're gifted at. To be happy, to live a fulfilled life you have to do what you love, it's that simple. Discovering how to get paid to do what you love is the proverbial icing on the cake and just might be the solution for your money situation.

If you're not sure what your gifts are, step out and try a few things. Just pay attention to what you really love to do-that thing that gives you great joy.

A solution

It was late in 1991 when I got the crazy idea to publish this newsletter. I needed money-$12,000 to finish paying what had been a whopping big load of debt. Quitting my job as a real estate broker to try something new was out of the question. I had a family, a home, no spare time and only $200.

I have a degree but it's not even remotely related to journalism. I'd written letters and real estate contracts, so you can see just how odd it was for me to think I could write and publish a newsletter. Still I was drawn to the idea. I had a sense of confidence I could not explain. The more I thought about it the more empowered and energized I became.

My business plan consisted of multiplying 1,000 people by $12. I'd collect the money, write 12 issues and be done with it. You can see that I started out with, shall we say, a few rough edges. I forgot details like printing and postage. I scrambled, I reinvented and found ways to make do. Still people subscribed. They caught my passion and desire to help them and to help myself, too. While it was challenging and at times difficult, it didn't seem like work.

I discovered talents and abilities I didn't know I had. The more I did the better I wanted to do. And the better I did, the more people subscribed. It's a remarkable story of how we've been helping each other for more than 13 years.

As the story goes ...

They built a railway over the Alps between Venice and Vienna before there was even a train capable of making the trip. They built it because they knew it would be possible one day.

Maybe it's a hopelessly pollyanna line from a feel good sort of movie, but I took that thought and kept it for myself. And now I offer it to you.

Why not lay some tracks?

© 2003 The Cheapskate Monthly. All rights reserved. Used with permission.

 "The Cheapskate Monthly" was founded in 1992 by Mary Hunt.  What began as a newsletter to encourage and empower people to break free from the bondage of consumer debt has grown into a huge community of ordinary people who have achieved remarkable success in their quest to effectively manage their money and stay out of debt.  Today, "The Cheapskate Monthly" is read by close to 100,000 Cheapskates.       Click here to subscribe.

Seeking financial harmony in your marriage? Read Mary Hunt's book Debt-Proof Your Marriage published by  Revell.