Your Season Can Shift With One CHOICE





Your Season Can Shift With One CHOICE

by Olga Hermans

Sometimes it feels like we need a shift in our life, we are in the middle of the wilderness, that there are no roads or even signs that lead anywhere. Even if you would have a choice, you are not expecting anything good; nothing exciting at all. I’d like to share a few things with you that might change your way of thinking; a powerful insight about understanding your own times and seasons.

We all know that God loves us and that He wants the very best for us no matter what. His desire for us is that we prosper in every area of our life. We want His will to come into our life because that is the very best for us. He created us and placed our gifts and talents on the inside of us and in a way that makes us dependable upon God. By the way, God likes that and it helps us if we like that.

God is all-powerful and unstoppable and holds our times and seasons in His hands. But the thing is that many people relegate the season they are in to God’s sovereignty. Oops! Big mistake! They give everything into God’s hands as if He made us a robot. They leave the breakthrough in their life, or getting their life to a better place up to God. It’s all up to God to heal them whenever He wants it to happen and then they wait for it. They think God wants to teach them a lesson.

Others have said concerning the call that’s on their lives, “When God wants to open a door for me or use me in a certain way, it will just happen.” And they sit and wait and wait and wait.

We are more involved in our destiny and the season and times that we are living in than we realize. You remember when Jesus came to the well and met the Samaritan woman “by accident”? Her life was all messed up and bound in immorality; she knew no way out any more. Here she was, just going about doing her daily tasks like any other day. Here she is at the well and meets this man who knew everything about her life and still wants to talk to her. That was very rare for her. From that day forward her whole life was changed around.

You see, this woman was open to a change in her life and seized the moment so to speak. Her messed-up circumstances made her desperate and longing for a change. Her eyes were opened to who Jesus was and went and told it to everyone in her town. Her season was shifted in one single moment.

There are so many stories and situations in the Bible that show us that when Jesus shows up, things drastically change. I remember in my own life when my husband and I went through a very difficult time in our marriage and we thought that the only way out was a divorce. We were meant for each other, but circumstances and family situations had brought too many hardships, and we just wanted to give up.

But Jesus showed up at a moment we didn’t even know Him yet, but He turned the whole situation around in 1 moment on 1 day. After that, the word “divorce” went out the window which was the best decision we ever made.

Your season can shift with one CHOICE! You see, sometimes we need another person to speak into our life for our life will move forward. But WE have to be willing and we have to be open!

In order to make the right decision that can change your entire life and launch you into your new season, you have to have faith that is produced by clarity of vision. Every fear, every doubt and every distraction must be thrown out of your heart. You must learn to trust yourself and gain confidence and the way you do that is by living out of your spirit, not your soul.

Our emotions, our will and our mind make up our soul; our emotions can drive us away from the path that we need to go. Our thoughts can keep us captive in fear and doubt. Our will can be so passive that we don’t even want to make a choice. That is a bad situation waiting for a disaster to happen. You need to be able to take your will and change gears and tell yourself to get up and create a change in your life.

Engage your will in what YOU want to do and bring all your feelings and stinky thoughts under submission to your will and if you have your will submitted to the will of God; good things are going to happen. God WANTS you to prosper, so whatever you are confident in doing, start doing it! Our will is a powerful thing. If we don’t want to yield to the will of God, nothing is going to happen.

So many people are soul-driven, while God is calling us to be Spirit-led. God speaks into our spirit; He gives us ideas and witty inventions to create wealth. He has empowered us to create wealth. So, let’s engage our will and step up to the plate and do it! Will you do that?

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When Life Throws You A Curveball


When Life Throws You A Curve Ball

by Olga Hermans

You know a curve ball starts one way and then goes another. A well-thrown fast ball is predictable – you know where it is going – and because of that, it is fairly easy to hit. But a curve ball is different. The pitcher makes the ball curve by pulling down on it with his fingers as he releases it. The ball spins diagonally and then curves.

When I say a curve ball, I am referring to an unexpected problem, a surprise obstacle or a twist in the way you thought things were going to happen. For example, you thought your marriage was going to be everything you hoped for and you thought you were going to live happily ever after. Then you found out that it wasn’t the way you thought it would be.

Maybe you were hired for a new job and you thought it was going to be a certain way, but you found out you had a boss or an employee that was a real pain in the neck. That was a curve ball. You did not see it coming. It started out the way you thought it would, but suddenly there was a change.

Sometimes you get those balls that are thrown at you that are just crazy and you don’t know what to do with it. You’re thinking: “how in the world am I going to hit that one?”
I think about what happened to the disciples; they weren’t counting on Jesus dying. Jesus was their savior; He was their King and all of a sudden He is hanging on the cross and they are hoping that He will have a comeback and then he gets buried.

That was curve ball for them, they weren’t ready for that and they didn’t know how to hit that kind of a ball.

Have you ever had a curve ball in your life? Something happened unexpectedly, something you didn’t plan on. Maybe somebody in your family died or maybe your parents got a divorce.
Maybe something happened that you didn’t see coming and you had no clue whatsoever to do with the situation?  The disciples had to make a choice; was their faith going to be based on the circumstances around them or continue to carry on what Jesus told them to do?

When I was 18, my father died unexpectedly. I remember the day that my mom and dad were going to a birthday party of a friend. They were dressed up and I remember my father making really nice compliments to my mom, how good looking she was and all that. All 5 of us always enjoyed it so much when he was “dating” my mom.

Anyway, off they went. At the party while he was dancing, he fell on the floor and had a heart attack; he never stood up again. It was devastating to my mom and all of us; she was speechless, she just couldn’t get her mind around the fact that he was gone. It was a very, very tragic moment for all of us; our life was never the same thereafter.

There are many times that people are not correctly handling problems and obstacles in their lives because they have failed to make an adjustment in their timing. The point is this: Most of us are accustomed to handling things straight on, so it can be very difficult when we get a curve ball thrown at us.

There are situations in our life where we feel we are totally undone because of something unexpected and unwanted came into our life. You have to make choice. You can be destroyed and fall apart or you can bounce back and hit that ball!

You can look at it this way: in the ocean there are sharks, but in the boat there is safety. You can stay in the boat (Jesus) and cross the ocean (go through life in this world) and the sharks will not get to you. In Christ there is victory, joy and peace. In the world, there is tribulation, but in Christ, you can go through the world overcoming every circumstance and situation. It doesn’t change the things that are in the world; it just changes your ability to overcome the world.

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Iron Sharpens Iron




Iron Sharpens Iron

by Olga Hermans

Have you ever thought about who you want to hang out with? I want to be around people who are hungry for God. They have a sense of direction in life, but they also have this hunger for God and in this hunger for God they want to please God with their lives. I love it when people know where they are going and know what they want to do.

I love to be with them and let it rub off on me. I listen to them and ask them how they got where they are now from where they were. What was the most important choice that they made in their life and what was the worst. How do they make tough choices? What motivates them and so forth.

It is very important to know to whom people listen to. I think that, that is very important to know because you want to have the same source of influence in your life. Sometimes people are in church with great issues in their lives, they try to fight great temptations, but they are scared to go to somebody and be open about their life. So, they keep it to themselves and keep it as a secret. We need accountability in our life.

You know, when iron sharpens iron, sparks are going to fly! One person is chasing after God and the other person is not chasing after God, so when you confront a person on issues that are ungodly, sparks are going to fly.When there are no sparks flying then it is probably not a relationship where iron sharpens iron. But we need someone who is going to confront us on pride, selfishness and lust.

What about personal greed and jealousy? You want to be with people who are going to challenge you to take you forward in your walk with God and in your walk in life.You know, friends that you are able to bounce things off on and when they are able to put you in check; you are going to put them in check as well.

You actually need three types of people in your life:

1. Somebody who pours into you, somebody that you gain knowledge from; the ins and outs of life. Someone who helps you to stay focused on your vision that you so desperately like to accomplish.

2. Somebody that you can bounce things off on; somebody that can challenge you and build you up if necessary.

3. Somebody that you can pour into, all the knowledge that you gained can now flow into the life of somebody else.

Col 1:3-5 says: The Father of all mercy! God of all healing counsel! He comes alongside us when we go through hard times, and before you know it, he brings us alongside someone else who is going through hard times so that we can be there for that person just as God was there for us.

We need that, don’t we? We need comfort, but then there are times that there are other people that God calls us to bless in a relationship. They need what we have to speak into their lives. Most importantly we can have relationships where we can confess our faults one to another so that we can be healed.

And at the same time, we can affirm each other; “I believe in you, I know that God has great things in store for your future, this is not the end; things like that seem to encourage us in a great way. Prov 27:17 “As iron sharpens iron, so a friend sharpens a friend.” Ecc 4:9-10 “Two people are better than one because together they have a good reward for their hard work. If one falls, the other can help his friend get up. But how tragic it is for the one who is all alone when he falls. There is no one to help him get up.”

Two heads are better than one.
~John Heywood

Walking with a friend in the dark is
better than walking alone in the light.
~Helen Keller

A true friend never gets in your way
unless you happen to be going down.
~Arnold H. Glasow

You weren’t meant to go through life alone. God created you for a relationship. Relationships that will encourage you and strengthen you and challenge you. But more than anything, God wants a relationship with you Himself. God wanted a family from the very start; He wants you as a part of His family.

You can make a choice today to surrender your life to Him. He is a very good iron sharpener 🙂 Most important is that He loves you no matter what.

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7 Steps to Have Your Prayers Answered

But The People Who Know Their God Shall Prove Themselves Strong and Shall Stand Firm and Do Exploits


7 Steps to Have Your Prayers Answered

by Olga Hermans


Prayer shouldn’t be a drag. It should be the highlight of your day, starting early in the morning and then keeping an ear to the Holy Spirit throughout the entire day. Effective prayer will cause you to soar like an eagle in God’s plans for you. It is the key to tapping into the wisdom of God, which will elevate you above mediocrity and perform the “greatest exploits” spoken of in Daniel 11:32

… but the people who know their God shall prove themselves strong and shall stand firm and do exploits [for God].
Daniel 11:32 Ampl

The next steps deal with fundamental aspects of praying that gets results; that is what we want right?  If you follow these steps you can be sure of prayers that get answered.

Step 1: Decide What You Want From God.

It is very important to make a solid decision James 1:6-8 says if a man wavers, if he cannot make up his mind, he is “unstable in all his ways” and he cannot expect to receive anything from God. There are different types of prayer; we worship and we have fellowship with God, but I like to talk to you right now about getting an answer to your prayer. Are you interested?

If we are not careful, our general type of praying will becomes habitual even when we need to be specific about a certain need. If you went to a grocery store and pushed the cart up and down the aisles without buying anything, people would think something was wrong with you.If you would send your child to buy certain items and he buys just those things, he is being definite.The same is true with prayer. It would be better to pray for 2 or 3 minutes and know what you are praying about than to pray aimlessly for 2 or 3 hours.

Decide what you want from God and be definite about it!

Step 2: Read the Scriptures That Promise the Answer You Need

As we feed on His Word, we build it into our consciousness. Jesus used the Word when satan came against Him in the wilderness. Jesus used the same weapon to defeat the devil that we all have today: the Word of God. When we pray for things that are specifically promised in the Word, we can have complete confidence that He will give us what we need.

The reason people are not confident and have no faith when they pray is because they don’t know the scriptures well enough to know if what they are praying for is God’s will.

Step 3: Ask God for the Things You Want

I know, we think and hope and it is true that He knows what we need Matth. 6:8, but He also tells us to ask Him for our needs and ask it with boldness in our hearts. Matth.7:7-8
God knows alright, but don’t forget that He wants us to bring our needs to Him and ask His help. Just do it!!

Step 4: Believe That You Receive

Truly I tell you, whoever says to this mountain, Be lifted up and thrown into the sea! and does not doubt at all in his heart but believes that what he says will take place, it will be done for him. For this reason I am telling you, whatever you ask for in prayer, believe (trust and be confident) that it is granted to you, and you will [get it]. Mark 11:23-24

Everything is provided for us in the spiritual realm. Our needs have been provided for us in Jesus. We may not be able to see them, but they are there. We need to use our faith to receive it out of the spiritual realm; faith will grasp it and create the reality of it in our life. Develop a stubborn faith that refuses to look at circumstances, that is a faith that produces results.

Step 5: Refuse to Doubt

Let every thought and desire remind and affirm that you have what you ask. Keep speaking your desires, the things that you asked for. We should not permit any mental picture of failure to remain in our mind. Never doubt for one minute that you have the answer. Tell doubt to go and get your mind on the answer.

Wipe out every image, suggestion, feeling, or thought that does not add to your faith. People have experienced great miracles and breakthroughs by doing this.

My husband and I had asked the Lord for a trip to be able to go to a Christian conference last year; we had asked this around Christmas time and the conference would be in the 1st week of August. We had made a big deal of it, but when time went by and the summer came things were changing and the circumstance appeared that we had to move end of July.

I really felt impressed to pack already in June, didn’t think much about it; just did it. We hadn’t talked about the conference, but assuming that we wouldn’t go. Guess what? On the day of our moving; it was a very warm day two friends walked into the house.  Two friends that we hadn’t seen for a long time came and told us that the Lord had woken them up that night (two brothers) and had told them to pay for our trip to Dallas. They paid for the airfare, a 5 star hotel, a car, for the gas, for the food and some money to spend for a family of four. That is how good our God is!

That was something that we hadn’t experienced before. It was an awesome feeling to know that my prayers were answered. If I had not packed in June already, things would have been very unorganized, I can tell you that. So, these guys helped us move until late at night. The next morning they picked us up and brought us to the airport and off we went! I can tell you, that He is faithful and He comes through! It was a miracle! We had an incredible time in Dallas, met some friends and were so refreshed because of all the preaching that had been going on.

Step 6: Meditate on the Promises

Prov. 4:20-22 tells us to listen well to His words and to tune our ears to His voice and to keep His message in plain view at all times. Concentrate! Learn it by heart! Meditate on the promises on which you base your answer to prayer. See yourself as if you already have it and make plans as if it already were a reality. God will make His Word good if you will act on it.

If you are sick see yourself healed, if you are broke see yourself rich. Visualize yourself successful!
If you don’t stand by the Word, God can’t stand by you, even though He wants to. He moves in line with His Word.

Step 7: Give God the Praise

Phil 4:6 tells us to not fret or worry. Instead of worrying, pray. Let petitions and praises shape your worries into prayers, letting Him know your concerns. As long as we fret and are anxious, praying and fasting won’t do any good.

So do the opposite, start praising and thanking God. When you start thanking, you know in your heart that you truly believe and that you will receive it. This is the final step of prayer, that we lift our hearts up to Him in gratitude for what He has done and for what He is going to do for you now.

Andrew Murray said, “It is not good taste to ask God for the same thing over and over again”. I have to agree with him. If I kept asking my husband over and over for something that I really needed and he already promised to give it to me the first time; who would be the most disturbed about it do you think? Not I, because I really want to have it. He would be the one who would be most disturbed; because that would tell him that I don’t trust him. It would be better to be talking about it with excitement and thanking him for it and so on, right?

Question: Do you have a great testimony that you would love to share with us and our readers to give Glory to God? Let us know by leaving a comment. Thank you!

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Digital Travel Writer: Portable Lifestyle Made Easy by Wifi and Travel Apps

Today you are in for a different treat again, because my good friend Claudia Looi is visiting us on The Choice Driven Life with a great subject:  our WiFi lifestyle – on the go with the necessary travel apps!

I know you will like it as much as I like her writings.  I met Claudia 6-7 weeks ago in Chicago at a conference with our coach Sandi Krakowski. She writes a great blog called The Travelpro and I visit it often to read her excellent and handy tips.

So, enjoy today’s article and let us know how much you enjoyed it.



Digital Travel Writer: Portable Lifestyle Made Easy by Wifi and Travel Apps

by Claudia Looi


One of the top treats of being a freelance writer is the ability to work in anywhere at anytime as long as you meet the deadline and produce the results needed. Last week I had the joy of just sitting in our local Barnes and Noble by their Starbucks Café…reading and drinking a less than $3 Grande Americano (I don’t drink sugared coffee). I got free Wi-Fi, a great cup of coffee, company of my son and people watching…that is part of my business model…people watch…I study human behavior as a copywriter.

While sipping coffee, researching and writing about geography and travels in Tanzania for my client in the UK…something clicked…I am a Digital Nomad. None of my clients live near me. They are all at least 1,000 miles away…. Wikipedia has the best description… A digital nomad is someone who uses technology and the internet to work remotely—from home, the coffee shop, internet cafe, or even to collaborate remotely with teams anywhere in the world.

These entrepreneurs & professionals frequently use new technologies like a smartphone, wifi, and web-based applications to develop location independence and earn an income wherever they live or travel. To me the most important aspect for any traveler or business person in this generation, even if you don’t work remotely, is the availability of wifi.

What if there were no wifi? What would you do? Clear 4G Take-it-with-you is a super fast internet connections you can bring with you wherever you go in about 80 cities in the United States. If you are an entrepreneur, traveler or an employee that travels for work in the United States, Clear could be a cheaper option compared to the fee that most hotel charge for room internet connections.

The last time I check in a hotel in Chicago, it was $9.99 per night. For unlimited internet access outside of the United States may be an alternative. They cover over 40 countries and you can select the mobile hotspot option or USB Modem option. It is cheaper to get a mobile hotspot in the country you are visiting.

Here is an example of one we used last year while traveling in Malaysia. DiGi has all the options for entrepreneurs and travelers to stay in touch. Other than wifi, travel apps do come in handy for a digital travel writer. What are these travel apps for? They are apps on smartphones or laptops that help assist with trip planning, free phone calls or cheaper phone calls, worldwide radios, track flights, hotel and restaurant reservation, language translation… to every type of games imaginable.

Here are 5 that I like:

1.   Skype is a free app and you can call for free from one Skype account to another. Or make cheaper phone calls from anywhere with your contacts who are not on Skype. You can also send instant messages.

2.   Tripit helps you organize your travel. You create your trip by entering the start and end dates, transportation details (flights, car rental etc), accommodation, restaurants and activities. After entering all the details you get your itinerary at your finger tips. What seems to be a tedious way of typing out and putting in order is now automated for you.

3.   Flight track help you track your flights on real time, including delays and gate numbers. It even comes with a map and the airplane you are tracking. They track worldwide flights and will give you updates on cancellations and find alternative flights. This app cost $4.99 from iTunes. Or track for free on your laptop or desktop.

4.   Oanda Currency Converter can convert over 190 currencies and 4 metals. Imagine… your silver coin can be converted too! This app is free. Get an idea of how much cash you need to have in hand when you travel. Shows you a typical rate charge for the currency you are exchanging.

5.   Google translate is able to translate up to 50 languages. You can even listen to your own spoken translations. This is just an entertainment while you wait for a flight or just filling in time. This is a free app.

If you find this information helpful, don’t forget to grab our free report on 5 Keys to planning a vacation of your dreams…do it today. This report may help you not to put off the trip of your dreams. If it is not now…when will your dream vacation be?

Claudia Looi is a freelance travel, content and copywriter. She is a mother of two teens and currently lives in Florida. A former travel professional with various tour operators, she has lived and worked in Kuala Lumpur, Auckland and New York. She currently writes for travel, hotels, real estate and wellness industries. Most of her writings are not in her name. They are featured in the United States, Malaysia, New Zealand and Belize. She has traveled to over 20 nations and some multiple times. You can find her at While you are there grab her Free Report 5 Keys to planning a vacation of your dreams.

Know What Stands Between You and Your Destiny


Know What Stands Between You and Your Destiny

by Olga Hermans


Are you in for a little challenge today? We’ve all had our share of adversities and we will continue to face hard times but harsh conditions have a way of bringing out the champion on the inside of us. Let’s have a look at our life experiences not in a self-pity manner or in a manner that brings disappointment or shame but from the standpoint of turning all our past experiences into hope for someone else.

If you would do that it would bring out your own uniqueness, your own message and you would move towards your destiny with great expectancy.

You might be going through something that somebody else is going through right now and they need your wisdom for that certain situation. They need to know what you know. Here is a very suitable quote form Myles Monroe: “Most people think the greatest tragedy in life is death. The greatest tragedy in life is to live and not know your purpose”.

Having lived your whole life and never really having that assurance of know what you have accomplished what you were meant to do is a very discouraging thought. So, if you are saying that you don’t have any dreams or you don’t have any goals, you definitely need to spend more time with God. Because God has a destiny for everybody on this planet and that includes you!

Sandi Krakowski

Some of us are called to be entrepreneurs and to be successful, like my coach, Sandi Krakowski. She went through a lot of trauma as a young girl; even gang raped in her 20s. She is a true survivor turned thriver – $500K debt – given a year to live – to creating and owning one of the fastest growing online business-coaching and information publishing companies in North America. Today she is totally debt free for the past 5 years and medically completely healthy and she gives God all the credit for it.

Others are called to be a mother of 12. Yeah, my friend Charlotte Siems is a pastor’s wife and she has 12 children.

Or my friend Denny Hagel who has a passion to help parents raise their children and is doing this already for over 25 years and is very succesfull.

It doesn’t matter what you do as a career or calling, God wants to use you and impact people around you. He wants you as you are, as He designed you to be; nothing less and nothing more. Here is another great quote from Mike Murdoch: “Your life’s assignment is not your decision but your discovery”.

Of course there are some decisions that you have to make to make it all happen. I remember the moment that my husband and I decided to go to VBI-Tulsa; that was a major decision for us and one of the best decisions we have ever made. But it wasn’t easy; our children were 13 and 11. We moved from overseas; they had to learn English, leave their friends behind and make new friends. But our lives have never been the same since.

Decisions are like falling dominoes in a line, each one toppling one irreversible consequence against another. After that we went back to The Netherlands to start a bibleschool, which also was a big decision that we did not regret. Life is too short for regrets. That’s why it is soo important for you to know who you are, what is important to you and what you want to do with your life.

God orders our steps; that means that He is always endeavouring to maneuver you towards your destiny. If you will listen to Him, then you will always be in the right place at the right time with the right people. That’s the reason you need to be sensitive to His leadership.

I believe that God has some extremely exciting things on the horizon for you. No matter how miserable your life may be at this very moment, God has a plan and God’s plan is to turn your life around. Make a choice to not run from Him, when you are distressed and unhappy, then He will and He can turn your situation around. He always knows what to do; He knows exactly what it takes to turn your life around.

What stands between you and your destiny? God’s will for you is always triumph! ALWAYS! 2Cor.2:14. That means that God always wants the very best for your life, no matter how impossible your circumstances look at this very moment. If you stumble and fall seven times, get up again ad go again. Remember, your hard times make you strong!

Satan will come between you and your destiny. He’ll create barriers. He’ll create obstacles, tests and trials because he knows more than you do that God has a powerful plan for your life. He will stand between you and your destiny. He will come up with the most ridiculous situations so that you will be discouraged and want to quit, and never fulfill what God has planned for you.

Let me remind that the difficulties that you are facing today, the thing that is trying to keep you from your destiny today, could become that stepping stone to your greatest victory! Don’t let the devil steal your destiny. God is always there to help you; He will change your whole life. Just as He did with my coach Sandi Krakowski; she is a great example to many.

Never get the idea that your life is no good because you weren’t on drugs or because you hadn’t made a terrible mess of your life. I know people think they don’t have a good testimony because they didn’t experience a whole lot of things. I think that, that is a wonderful testimony and there are people who want to hear it. People are looking for evidence; they are looking for what you have on the inside of you.

If this article is talking to you, it may be time to reexamine what you are doing. You are not meant to live an unfulfilled life. Make sure that you are doing THAT particular thing that is part of your destiny. Don’t spend years and years in a meaningless existence, doing something you dislike, staying there simply because it is convenient and you don’t want to rock the boat. Let me help you to step into your divine destiny; I wrote this book especially for you.

There are many people who have no clue what they are supposed to do in life, don’t let this  be you!
Go and get my book NOW by clicking here!


What Did You Think?

Please take a quick moment and leave your comments below.  Thank you!

Simple Steps to Pay Yourself First

Many of our readers that completed our survey told us that they would love to read more on money issues. I am pleased to tell you that my friend Beau Henderson with whom I did The RichLife Fast Track 30 Day Coaching Program, as some of you will remember, was more than willing to be  our guest today at The Choice Driven Life.

I have learned a lot of things from him lately all around making the right choices for our financial life as well. One choice that we should make and that would give our fnances a boost, you will learn from him today.

I am so glad to introduce Beau to you our valuable readers. I am very blessed to know Beau and even more honored when he said yes when I asked him to be our guest on the blog today.

You will learn a principle that is definitely going to change your life, if you apply it.

Enjoy today’s article by Beau Henderson!!



You are the most important asset that you have. Take care of yourself.


Simple Steps to Pay Yourself First

by Beau Henderson


Are you saving regularly?

Many people never save because they think it is too complicated, but the concept of saving is really quite simple.  Developing the discipline of saving is what takes a little work.

The three reasons I hear most for not being able to save are: I don’t make enough, I’ll save what’s left, and I have too much debt.
Do you relate to any of these reasons for not saving?

Let’s examine these excuses together, one at a time, and find out how you can start to pay yourself first.  The good news is that You can begin to save now, today, because paying yourself first is a mindset and a habit that has nothing to do with the size of your paycheck.

Reason #1: I don’t make enough money…

There are two kinds of people – those who save now and those who wait. The employee who makes $2,000 a month and gets in the habit of putting $50 of it away will have $600 saved by the end of the year. The same employee who waits until they can “save more” will have $0. And after 10 years, they still won’t have anything saved, and will still be waiting to have enough to save.
Are You Playing the “When I/Then I” Game?

It goes something like this… “When I can save $200 a month, then I will start to put away money for the future”.  The problem with this game is that it rarely, if ever works and our nature is to always create the next “When I/Then I” scenario instead of developing the habit needed to be successful with money.
Get into the habit of setting aside a portion of what you make now.

It doesn’t matter how little, it can be $5 or $5000. The important thing is to get in the habit. If you can bump up that amount annually by at least 3% or $25 a check as your pay increases, and in ten years, you’ll be saving at least $250 a paycheck. But it will never add up like that unless you get started.

Reason #2 I’ll save what’s left…

And typically what’s left is nothing. It happens to everyone. Saving won’t happen if you approach it this way. It is human nature to spend what is there, so don’t even give yourself the option. Take out the amount first, before you’ve even see it. Have it automatically deducted if you can, and put it into a separate account. Once you get in the habit of doing this, you won’t even miss it.
Put it on Auto Pilot For Success

To be successful at paying yourself first make savings automatic.  Your company’s 401k, 403b, SEP, or other retirement plan can deduct a percentage of your income pre-tax from your paycheck.  You can set up an automatic draft to fund after tax savings like ROTH IRAs, brokerage accounts, and savings accounts.  You have to plan for real life  and can set up automatic drafts to fill up separate buckets for emergency savings, car fund, house maintenance.
Reward Yourself to Stay on Track

All of this automatic saving is great, but if you want to stay on track you have to build in some rewards for all of your disciplined hard work.  Most successful clients build in buckets or automatic accounts to fill up for things like a road trip to see the grandkids, an annual trip to Vegas, or a deep sea fishing trip with the guys.

Remember, financial success is about living well.  These memorable experiences are priceless and need to be planned and saved for or else we are right back to playing the “When I/Then I” game in this area as well.

Reason #3 I have too much debt…

The truth is those that have the discipline to pay themselves first get out of debt faster.

Debt won’t go away unless you pay it off and nothing will get saved unless you start now. So split the difference. Come up with a formula that works for you.   People that have a succesful relationship with money create a formula using these 4 components:


1.      An amount you can live off – 70%

2.      An amount to save – 10%

3.      An amount to go towards debt – 10%

4.      An amount to give away – 10%

If you need every penny, the breakdown can be 97%, 1%, 1%, 1%.

What happens when the debt is gone?  You’ll be able to increase your savings without having to change your lifestyle or spend a penny more.

Paying yourself first puts the focus where it should be – on the person whom the money was meant to serve. In my experience, it is never the behavior of the investment that makes the difference so much as the behavior of the investor.

You are the most important asset that you have. Take care of yourself. It might be hard at first, but getting into the habit now will result in easier saving tomorrow. This is one of the core principals necessary to building a RichLife. It is my most sincere hope that you achieve yours.

What is your biggest obstacle when it comes to paying yourself first?


Beau Henderson is a financial advisor, author, coach, radio personality, and CEO of RichLife Advisors. He has helped over 3,000 clients to not just improve their relationship with money, but to live the life of their dreams.  For more tips on how you can apply the principal of wise stewardship to your everyday life, get a copy of Beau’s newest book, The RichLife – 10 Investments for True Wealth.


How to Have a Thought-Life You Can Be Proud Of

Our Mind Can Be Like Those Old Typewriters

How to Have a Thought-life You Can Be Proud Of

by Olga Hermans


In Deut 30:19, God says, “I have set before you life and death, blessing and curses; therefore choose life.” He gives us an option, but He wants us to do the choosing.  A choice often means we can go the easy way or the hard way.  We can go the way we feel like going or we can go the way we know is right. To make a right and wise choice means we will probably have to discipline ourselves to do something we don’t feel like doing, but know is best.

As the Bible tells us, discipline doesn’t bring immediate joy, but it does bring lasting joy later on. The enemy is always out to destroy us and he often tries to do that by influencing us to make bad choices – to choose to do what feels good or is easy now, instead of what will be beneficial in the long run.

These choices may temporarily satisfy the flesh, but they don’t please God or satisfy us permanently. We should discipline ourselves to make good choices that honor God and His Word. God encourages His children to walk in the Spirit and the way we do that is by choosing to take time to listen to the Holy Spirit and do what we know is right even if it doesn’t feel good.

We’ve all known or know a time when we were in a disagreement with somebody and the air was filled with tension. You can choose to apologize and do what will restore peace or you can choose to stay angry and wait for the other to apologize; we have all been there.

So, what is more important? To be right or to choose for peace? The answer is that it is the right thing to make peace and if we don’t, we are sinning. God is our vindicator and if we need to be shown to be in the right, He will take care of that, but our part is to honor Him by doing what we know is right according to His Word. God can always work out the details but we need to make that quality choice to keep the peace.

You have to realize now more than anything that making right choices is the key to a happy life, and keeping our minds on right things is another one. Don’t let your mind wander around and do whatever it pleases. We have been given the spirit of discipline and self-control. You have been given a sound mind.

I love to sit beside my husband when we are riding down the road; I like to look out of the passenger side window while my husband is driving. He would give a smile if he would be reading this :), but my mind can go off on a drift or wander off onto something that is totally worthless and will not produce anything good in my life.

That doesn’t make me a bad person; it just means I have a choice to make. Will I be lazy and let it “drift”, or will I once again discipline myself to stop thinking that wrong thought and find something good and noble to think about?

I once heard an analogy that someone made; she said our mind can be like those old typewriters. We are focussing on something and our mind starts to wander away from us just like that handle on the typerwriter. I know this typewriter probably tells you my age more than anything else, but, when you start typing, that handle would go all the way to the right and you had to push it back to start e new line.

That is how our mind works, we are in a conversation or something, or reading a book or whatever we do and our mind wanders off…outside the window and we have to push it back just like that old typewriter. Do you get the picture?

My mind can drift when I am in a conversation with my husband, but it also happens when others are speaking and what they are saying really isn’t that interesting to me. It seems to be important to them, but it isn’t to me. My mind starts to drift to thoughts like: “I really have some more important things to do. Or, this is boring… or this goes way too far, I cannot believe this.” Things like that? Oh, you ever thought those things?

Then suddenly a message from my pastor or somebody comes up that we have to treat other people the way we like to be treated. Ouch!! We need to make the other person feel valuable, because they are. So, I am faced with a choice: do I walk in love and show respect for the person talking to me, or do I just pretend that I am listening while I have these wandering thoughts?

Are you surprised that these thoughts happen to me? Let me tell you a secret: they happen to everyone. We are not bad people because bad thoughts come to us but if we don’t resist them, we can become whatever we choose to focus our thoughts on.

The Bible tells us to seek good (1Thess 5:15). Seek means to make an attempt. We all have to seek to think right thoughts. It takes discipline and training, but we can do it. Determine today to set your mind on right things and discipline yourself to keep it set on them and you will enjoy the great and powerful life God has in mind for you.

When you find yourself stuck in a”wandering away” thought that is detrimental to you and you have a hard time staying focussed; get busy doing something good to bless someone. One thing you should not do is stay passive and merely wish you could get it off your mind. Be aggressive and refuse to lend your mind to the devil for his activity.

Remember that bad thoughts lead to bad moods and bad decisions, so don’t waste your time on anything that doesn’t add to the quality of your life. Think on that typewriter, I have to do that many times. 😉

You know, if we are deciding on what we think on or decide where our thoughts go; it all comes down to making decisions. We have to make a choice to activate our will to stay focused. Learn How to Make Decisions Like an Expert in 7 Easy Steps by reading our FREE Report.
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How to Manage Your Happiness by Keeping Yourself Sane

God Does Not Want You To Sacrifice Your Happiness To Keep Somebody Else Happy


How to Manage Your Happiness by Keeping Yourself

By Olga Hermans


Oh, how important it is to keep yourself happy and not be living to please everybody else. How easy we can get in that habit of taking on a false sense of responsibility, thinking that it is our job to keep everybody happy. Of course, it is always good to reach out to others and to try to help as many people as possible.

Do you sense the “but” coming? Too often, though, we get out of balance. We’re doing everything for everybody else, but we’re not taking the time to keep ourselves healthy and happy. God does not want you to sacrifice your happiness to keep somebody else happy.

Your first priority is to take care of yourself. I don’t mean to the extent of being selfish and only me, me, me. That is not what I am saying, but I am saying that you cannot be responsible for someone else’s poor choices. If you do, before long, that person will be controlling you and manipulating you.

I think we all know how that feels. God has not called you to be unhappy simply to keep somebody else happy. Truth is, some people don’t want to be helped; they don’t want to change. They just like the attention. Sometimes, the best thing you can do for somebody like that is not to help them.

I remember the time with my oldest sister, who lives in The Netherlands and is mentally ill. I don’t know how she did it, but she could make me feel so guilty if I wouldn’t do that particular thing that pleased her. A few years ago there was a time that I called her every day at the same time and spoke scriptures into her mind. She so enjoyed it and it looked like she was doing so much better.

Anyway, my husband and I were going to a conference in Dallas. She told me how afraid she was to not have me call her and this and that. So, ok I told her I would call every day. I think the 2nd or 3rd time I called her at our agreed time to hear from the front desk that she had gone to a movie. That was the moment that I started to realize I had to do things differently although she was mentally ill.

Life is too short to go through it being controlled and manipulated by people who refuse to make good choices on their own. You are not responsible for everybody else’s happiness. If people are controlling you, it’s not their fault; it’s your fault. You must learn to set some boundaries. Quit allowing them to call you at all hours of the day and night to dump their problems on you.

Many people are all upset, frustrated and discouraged because they’ve made a wrong choice of taking on way too much responsibility for somebody close to them who won’t do what is right. They carry a heavy load, trying to keep someone else happy.

You can be free from all that if you will just give those people to God. Quit trying to be the keeper of the universe. That is not your job. Of course, is not easy at first. My decision towards my sister was very hard on me, but I had to do it. I am not talking about selfish or self-centeredness. We should be givers and care for each other. But there is a big difference between giving and allowing somebody to control you and make you feel guilty until you do what they want.

To reduce stress, be aware of high-maintenance people in your life. Some people are almost impossible to keep happy. Maybe this is a turning point for you. If you have been living to please everybody else, or constantly trying to fix everything, rid yourself of that false sense of responsibility. Yes, be kind and compassionate and yes you should reach out to others. It’s like the saying that says: “you can’t help anybody who won’t help themselves”.

You gotta run your race and not let people control you and manipulate you; you will not only have less stress and more time and energy, but I also believe you will be much happier, and you will be free to fulfill the best plan that God has for you.

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How to Improve Your Decision Making Skills to Make Better Choices

Many Times Our Dreams Do Not Become Reality Because Of The Decisions We Make In Our Lives


How to Improve Your Decision Making Skills

to Make Better Choices

by Olga Hermans


As I was pondering about my next post for this week, being extremely busy with the writing of my eBook “Pursue Your Destiny with Passion and Purpose” and also giving a new look to my FREE Report I thought about how so very important it is to take our God-given destiny serious and to be able to improve our decision making skills so we will NOT regret our choices.

So, I want to give you 5 crucial components to help you step into your destiny by making decisions that matter.

1.  Research: gathering information and collecting data

Gathering facts is very important in making a good decision that you will not regret. Let’s say you want to buy a product that is completely new to you – say a cleaner that you could use on your granite countertops without scratching them. Here you are in the store and a decision is right in front of you.

Have you ever wondered why some of the vitamins that you take are so outrageously expensive?

There is something like research and development. In order to know their target audience, the habits and preferences of their customers, companies spend vast amounts of money each year doing research to develop a new product.

So, how much research and development have you put into the decisions you make? Particularly the decisions with lifelong ripple effects that will move you toward your Destiny? Have you conducted adequate research into the character of that person that you might marry to make sure that s/he is who s/he says s/he is? I hope you see how important research is. Let’s get to the next point, shall we?

2.   Responsibility

Being responsible is something a lot of people don’t know much about. God’s definition of a dreamer is not someone who sits around with his head in the clouds, but it is someone who sees the possibilities of great things and understands it will take a lot of hard work and determination to see it through to the finish.

People that pursue their destiny with passion and purpose are people who are willing to sacrifice and pay the price up front in order to cross the finish line with self-respect and honor. Lazy people are always unhappy and they don’t understand why.

The reason they’re unhappy is because God didn’t create people just so they could sit around and do nothing, bearing no good fruit. We need to be engaged in life. If we want to see change in our life, then we need to ask ourselves what choices we can make to change things.

3.   Rising Higher

God’s plan for each of our lives is that we continually rise to new levels. But how we go about in life, and how much of God’s favour and blessings we experience, will be directly related to how much we decide to follow His directions.

Throughout life, God will deal with us and bring areas to light where we need to make choices to improve. He often speaks to us through our conscience or through a still small voice. He knows the things that are holding us back.

He knows our weaknesses, faults and the inner secrets that we keep hidden. When He brings these matters to our attention and if we want to get closer to our destiny, we have to be willing to face the truth about ourselves and take the correction that God brings to us.

4.  Root Issues; dealing with them

We love to fix things on the surface, like cleaning up our behaviour, trying to be more friendly, more loving and kind. Not spending so much money, or stop using credit cards to buy something on impulse. Not manipulating people any more, not getting so angry and upset. It is a good thing to make choices to try to improve, but so often we are not dealing with the real source of the problem.

People can have a root of insecurity that causes them to feel defensive or have a root of bitterness. Perhaps you have been spinning your wheels, going around in circles year after year, and are not really happy. You need to be honest enough to say, “God, show me what it is. Am I relying on other people to make me happy? Do I have unrealistic expectations?”

“Am I going to be happy only if I get married? Am I allowing my circumstances to keep me down? God, show me the truth about myself.” Some people say, “I’m depressed because my parents were so depressed”. No, you can change. You are a child of God, so you have the greatest power in the universe on the inside of you. You can break any addiction and overcome any stronghold.

You can fulfill your God-given destiny. You may have a negative history, but please understand, you don’t have to have a negative future. What’s important is not where you come from. What matters is where you are going. One of the main ways we can honor God is by taking responsibility for our choices, not blaming our past, not blaming our circumstances. We must get down to the root, take responsibility. Rise up and do something with it. You can experience the good things of God and fulfill your destiny.

5. Rearview: looking back and adjusting as necessary to stay on course

It is an amazing fact but true: the decisions we make today don’t simply affect ourselves; they affect our children and our children’s children for multiplied generations. The Bible talks about how the iniquity of the fathers can be passed down for three to four generations. That means that bad habits, addictions, negativity, wrong mind-sets and other types of iniquities can be passed down.

It is time to rise up and make a decision to do something about it. It may have been there for years, but the good news is it doesn’t have to stay there. You can be the one to put a stop to it. You can be the one to choose the blessing and not the curse. We’ve heard a lot about the generational curse, but equally important is our generational choice.

We don’t have to stay the way we are. Put a stop to any of the negative patterns in your family’s bloodline. It is a spiritual battle. You must take authority over all the strongholds that are keeping you in bondage. One of the first things you must do is recognize what it is, identify it, get it out in the open and deal with it. As you do you will see God’s blessings and favour in your life and you will be able to make the decisions that bring you closer and closer to your destiny. This will definitely help you improve your decision making skills and to know without a shadow of a doubt how to make good choices in discovering the life you were born to live.

Tweet this: Destiny is no matter of chance It is a matter of choice It is not a thing to be waited for, it is a thing to be achieved WJB #TheDailyChoice

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