CLASS INTRODUCTION

During this class, you will put your financial future first! How much do you save? Do you save consistently? Even if you save, do you find your savings dissipating faster than they accumulate? If so, you are not alone. The average American will save 3% of their earnings, 3%, that is depressing! People are working longer and retiring later.

You will meet with your debt coach and discuss a monthly dollar amount you can commit to saving each month. In the first class, you will learn about the importance of consistently saving. Until you get seed in the ground, you can’t grow an abundant harvest. Many of the self-help debt reduction programs require motivation and discipline. They share ideas about budgeting, spending, and forced suffering to achieve debt reduction. Some say that doing the same thing over and over expecting a different result is insanity. These programs fall short of providing financial transformation. For many of us, money is not being properly allocated. A simple adjustment will make a big difference over time.

In this session, we explore how you are spending your money. The average American spends up to 30% of every dollar earned on paying their debts. As much as 40% is paid for taxes, whether income tax or one of a hundred other taxes. During this class, you will learn how to think differently about your money. This class focuses on the percentage you spend on your debts, taxes, savings, and lifestyle. You will learn about the four components of debt. We will discuss debt versus living expenses. You will learn how to identify and list all your debt’s and their four components.

Together with your debt coach, you will complete a Debt Worksheet. First, you will be required to calculate your gross income as a percentage of your net income, identifying where the money went. Next, organize your monthly expenses into debt and lifestyle expenses and determine the percentage of your net income to each. Finally, you will list each one of your debts and the four components of each.

Class four also focuses on living in love, forgiveness and integrity. Anger, hatred, bitterness and other negative emotions are experienced by all of us. People in our society are encouraged to hold a grudge, seek revenge, or harbor ill will. Love is needed, we cannot live without love; yet people are more exposed to hate. For a healthy and abundant life, we MUST live a life of love. At DEU we move, touch and inspire you to let go of hate and learn to live in love.

Forgiveness is the hardest thing to give away and the last thing you want to do because it always goes to those who do not deserve it. Forgiveness is not highly favored in our society. Forgiveness is hard for each one of us when we are treated unfairly, or unjustly. The natural human feeling is to withhold forgiveness and punish the violator. However, the TRUTH is that if you forgive, it will clear the bitterness away and free you to live an abundant life. Forgiveness is ultimately “letting go of the need to change the past.”

Integrity is doing the right thing, at the right time when no one is watching. In today’s world integrity is of second importance next to the requirements of performance and expectations placed upon us by society. People are less likely to worry about things like character, truth and doing the right thing. At DEU we teach that integrity is the cornerstone of living a powerful life. Each time we fail to live up to our word we lose power.

Living with a generous HEART clears the way to living your life in abundance.