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The Potential Millionaire On Savings

By Felix A. Montelara

1 Corinthians 16:2 ESV / 18 helpful votes

On the first day of every week, each of you is to put something aside and store it up, as he may prosper, so that there will be no collecting when I come.

2 Corinthians 9:6 ESV / 13 helpful votes

The point is this: whoever sows sparingly will also reap sparingly, and whoever sows bountifully will also reap bountifully.

In the last episode of Potential Millionaire, I not only discussed the importance of saving money, but also exactly how much money to save and where to save it.  Let’s be certain to understand that we save money not to hoard it or lord it over others, but actually to act as good stewards and thankful recipients of God’s bounty.  There are a number of Biblical Scripture passages that support my point.  First, let’s take 1 Corinthians 16:2, which states that “On the first day of every week, each of you is to put something aside and store it up, as he may prosper, so that there will be no collecting when I come.”  1 Corinthians is advocating exactly what I discussed last week- that we must diligently set aside money to save each and every time we have income.  No matter the size of the amount saved- it is the action of  retaining that piece of our income before we do our spending that really allows us to accumulate wealth.  The Bible instructs us to live by conserving what we have, not only in times of distress, but every day.  When we save daily and weekly, we grow our savings so that in our times of need we can rely on ourselves.  We can help ourselves because we have an emergency fund, and we can enjoy life to a fuller extent because we can save for our goals and attain them.  Would you like to go on vacation? Buy a new car?  A television?  These are things that can be saved for too- so that when the day comes that we have enough, we can proudly purchase these items using God’s bounty- and not the credit of a lender.

2 Corinthians has more to instruct us with about saving.  2 Corinthians 9:6 states, “The point is this: whoever sows sparingly will also reap sparingly, and whoever sows bountifully will also reap bountifully.” Iphone 040813 308  The Bible is telling us that we must make a conscious effort to care for, save, and then yes, use, God’s bountiful gifts.  But only those who put in the time and effort will see the fruit of their labors.  There is no get rich quick scheme that is sustaining- there is no magic pill for success.  Friends, what I am advocating is nothing more than good, honest work both outside and inside your household.  It takes work to make a budget and follow it.  It takes work to work to save money.  It takes effort and discipline to do these things.  Yes, everyone has millionaire potential, and the Bible provides us with the directions on how to achieve it:  Carefully saving, diligently working, and gratefully watching over our households and money.  These are the keys for unlocking our millionaire potential.

 

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Commit to Your New Year’s Resolutions. Are You Up to Them?

By Felix A. Montelara

Author & Host of The Potential Millionaire

2 Corinthians 13:5

New International Version (NIV)

5 Examine yourselves to see whether you are in the faith; test yourselves. Do you not realize that Christ Jesus is in you—unless, of course, you fail the test?

Isaiah 50:7

But the sovereign Lord helps me, so I am not humiliated. For that reason I am steadfastly resolved; I know I will not be put to shame.

In the last episode, I talked about the topic of new years resolutions, and we discussed how important it is to include your finances in your resolutions.  However, most people break their resolutions within a few weeks, and often resolutions are forgotten quickly.  It is very important to make resolutions that are realistic, manageable, and that you are committed to.  I have a number of golden rules that I talk about, and that you will find in my book, Potencial Millonario.  These would make wonderful resolutions for the New Year.  For example,  I recommend that you make a family budget, and know exactly how much money you make and spend.  I recommend that you have an emergency fund, so that you are prepared for life’s unexpected disasters.  I recommend that you save money, and that you pay yourself first.  I recommend that you are honest with your family about money, and that you approach money matters together as a team.  But what good are all these resolutions, if you are not totally committed to making them happen?  What good are they, if you aren’t willing to make the sacrifices required to succeed?  We all have millionaire potential, but do we all have the courage and discipline to be millionaires?

I really believe that each of us has millionaire potential, and that each of has the same opportunity to follow these golden rules and succeed at becoming financially free.  Will it be easy?  No.  Will it happen overnight? No.  Will it be worth it?  Absolutely.

Let’s take some inspiring words from the Bible to help us have the courage to make good financial decisions in this New Year, and to have the resolve to keep our resolutions and to remain on the road to financial freedom.  2 Corinthians 13:5 says, “Examine yourselves to see whether you are in the faith; test yourselves. Iphone 040813 006 Do you not realize that Christ Jesus is in you—unless, of course, you fail the test?”  Friends, these plans that we make about the New Year are tests.  They are tests of our discipline, our resolve, our courage.  We must look inward, we must look at ourselves and decide if we can pass the test.  When you are tempted to spend money you don’t have, when you are tempted to argue about money, when you are tempted to despair- think about whether or not you are in the faith- and find strength in the fact that we can take strength from Jesus.  Lean on Him- rest on Him- and keep strong in your resolutions.  Make them last the whole year, make good habits for yourselves about your money.  Recognize that millionaire potential that is within you, and be willing to commit to it.

Isaiah 50:7 states, “But the sovereign LORD helps me, so I am not humiliated. For that reason I am steadfastly resolved; I know I will not be put to shame.”  As you commit yourselves to your budget, your savings, your emergency fund, your good spending habits, know that you are not alone.  Know that if you persevere, you will not be humiliated, but instead you will be uplifted.  I know that for some of you, the road to financial freedom will be a tough one- but you must believe that you can do this.  No matter what difficulties you have been through, no matter what troubles you will go through, if you persevere and have courage and discipline, you will triumph in the end.

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Potencial Millonario Ep. 09 / The Potential Millionaire Ep. 09

En este episodio 09,

Regale en la Navidad con artículos DIY. Hacer lo correcto no es fácil! Piense en resoluciones durante el tiempo de Navidad. Tome control de su dinero en el 2014.

Escuche el episodio #09
Escuche el episodio #09

Disponible en itunes y Youtube.  Escuche y déjeme saber su opinión al 334 357 6410. Únase a la conversación y comparta este episodio.

The Potential Millionaire Club  ya cuenta con 158 personas activas. Todo es Gratis…

Gracias y Felicidades,

Felix A. Montelara

 

 

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Christ the King , Christmas & Saint Nicholas

Isaiah 9:6-

For to us a child is born, to us a son is given, and the government will be on his shoulders. And he will be called Wonderful Counselor, Mighty God, Everlasting Father, Prince of Peace.

 

In one of the  latest episodes of Potencial Millonario, I discussed the taboo that surrounds money and prevents people from making good decisions because they are afraid to talk about their problems or ask advice until it is too late.  I advised listeners to let go of this fear about money, and to instead embrace an attitude of stewardship- where we understand our money and it works for us.  I firmly believe that being responsible with money, following a budget, saving for emergencies, preparing for the future, spending less than what we earn, paying off debts, not creating new debts- these are ways that we control our money and make it serve us.  This is what I call financial freedom- and it isn’t easy.  But it does free us from the worry and stress that money problems cause, and allows us to use our gifts and talents to serve God.

 

This week I am mindful that Christmas is just a few days away.  It has become a very commercialized holiday, but let’s not forget the true reason for the celebration: the birth of Jesus Christ.  Isaiah 9:6 states, “For to us a child is born, to us a son is given, and the government will be on his shoulders. And he will be called Wonderful Counselor, Mighty God, Everlasting Father, Prince of Peace.”  We celebrate the birth of the most influential human in history, and the son of God.  This is the reason for the Christmas season- not the lights, glitter, shopping sprees, and food.  We should remember the humble beginnings of the King of Kings, born in a stable, laid in a manger, housed among animals.  But make no mistake, all the angels in heaven were singing to him, and the stars of the universe burned brighter for him.  I wanted to take these few minutes and remember the birth of the Prince of Peace, and I hope that all people can take time each day to think about the true focus of the coming week.

 

You may ask yourself, “If Jesus is the source of Christmas, why do we give gifts?”  This is really the story of Christmas traditions- not the story of Christmas.  Where do our traditions come from- like the Christmas tree and gift giving?  There are many sources for the traditions that every culture has, but let’s look back on one person who became very influential on the tradition of Christmas.  Many Christmas legends and traditions go back to the Catholic Saint Nicholas, who lived in the fourth century.  Very few hard facts have survived about Saint Nicholas, but it is known that he was a bishop in a place called Myra in Asia Minor.  During the time of Saint Nicholas, a father had to pay a dowry in order for his daughters to be married.  If a father was too poor to pay to have his daughters married, he may have had to resort to selling his daughters into slavery.  A wonderful legend persists about Saint Nicholas, in which Saint Nicholas dropped bags of gold into a poor man’s window, to provide him money so that his three daughters would be saved.  This began the tradition of gift giving on December 6, which is the feast day of Saint Nicholas.  Later, the date was moved to December 25 as other denominations wanted to get away from the Catholic celebration of Saints- but the tradition of gift-giving remained.

As we think about where the tradition of gift giving originated, let’s concentrate on a few important points in this legend.  First, Saint Nicholas used his own money to do a charitable act towards a stranger.  If you’ve been listening to my previous episodes, you know that I think money should work for you, and that once you have money you should use it to help others.  That is exactly what Saint Nicholas was doing.  He used his money to make a real change happen for three young girls and their family.  This wasn’t the type of change that an iphone or an Xbox brings- it is a change that was life-altering for that family.  Let’s think about our lives now:  we use our money at this time of year to often give gifts in excess or give gifts to people to who need nothing.  Often, we might even go into debt to offer these gifts that after a few days or weeks are forgotten.  The legend of Saint Nicholas should remind us that we should try to find truly meaningful gifts, and these are often not gifts that require money at all.

As Christmas day approaches, talk to your family about the real meaning of the celebration, Jesus Christ, and try telling them the story of Saint Nicholas and how gift giving in December began.  Try to help them appreciate that it is not the cost of the gift that matters, but the thought that the gift-giver put into it. Iphone 040813 261  If you have children, encourage them to make gifts, or to give gifts like doing chores, or giving a backrub to Mom.  Help them think about what each person in the family would really benefit from.  Talk to your spouse about this- can you both really afford gifts this year?  Or would you rather spend some time together, go for a walk, or watch their favorite movie?  Let this quality time be your new Christmas tradition. These lessons that you teach your family now will help them grow into the future- and will help them avoid the consumer-traps that are out there during the holiday season.

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Como Gastar Menos en la Navidad – Especialmente si eres madre soltera

From: AOL Latino

Aquí te doy unos tips:

1) Secret Santas: A mí me encanta este concepto. En mi familia empezamos a regalar sólo a los niños. Si regalamos entre adultos, hacemos lo que se llama el “secret santa”, donde pones en unos papelitos el nombre de cada adulto en un sombrero y cada persona escoge uno. Mediante ese método, eres responsable de comprarle un regalo a esa persona solamente. Y alguien más, te regalará algo a ti. Lo bueno es que puedes ponerle límite a la cantidad de dinero que se gasta y de esta forma no tienes que pensar en qué regalarle a diez personas, sino sólo a una.

2) Con respecto a los niños, estoy acostumbrada a preguntarle a mis cuñadas o las madres de mis amigas, qué quieren de regalo los niños. Muchas veces, las madres ya tienen regalos guardados o en mente. Normalmente, ellas te dan opciones y tú eliges la que te viene mejor. Esto es mucho más fácil, que estar adivinando lo que necesitan o quieren los niños. De esta forma, hasta te ahorras la ida a la tienda. Puedes comprar en línea o le pagas el costo del regalo a la madre y -si ella lo tiene guardado- te lo entrega para que se lo regales.

3) Tarjetas: A mí me fascinan las tarjetas. En un mundo electrónico, son pocas las tarjetas a mano que la gente recibe por correo. Las tarjetas son un linda opción para dar un regalo a las personas que tal vez no conoces muy bien o gente del trabajo. No es lo mismo que un regalo, pero es una linda atencion y demuestra que tomaste el tiempo para sentarte y escribirle una linda nota a esa persona.

Relacionado: http://solteraconcompromiso.blogspot.com/

Espero que los disfrustes Y recuerde todos tenemos Potencial Millonario.

Felix A. Montelara

Autor: Potencial Millonario

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Alfonso Sáinz de Baranda, autor del blog ThinkingRich.es (Entrevista)

escuche aqui:———> thinkingrich

Alfonso Sainz es companero bloggero en Espana. Su entrevista comienza en el minuto 9:38 del programa Viaje al centro de la noche. Alfonso expone sus ideas sobre el dinero en este programas contest que en la entrevista se habla de Euros pero los conceptos aplican a los dolares.

Hare todo lo posible por traer un entrevista con Alfonzo a el programa de radio y el podcast de Potencial Millonario.

Espero que lo disfrutes,
Felix A. Montelara
Autor & Productor Potencial Millonario
WIQR 1410 AM Radio Bama

Here is the link to the page: http://www.rtve.es/alacarta/audios/viaje-al-centro-de-la-noche/viaje-centro-noche-meollo-cuestion-26-09-12/1536399/

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Los 6 mitos y creencias sobre el dinero que nos frenan a salir adelante financieramente by Eva Marin

En el blog de hoy Eva Marin de puenteffnanciero.net nos escribe de los mito que no nos permiten ganar con el dinero. En mi programa de radio y Podcast les he hablado sobre el tabu del dinero. Asique espero que disfrute de la lectura y visiten a Eva Marin en puentefinanciero.net.

Atentamente,
Felix A. Montelara
Autor & Productor de potencialmillonario.com
(iTunes, Podbean)

 
http://puentefinanciero.net/wp-content/uploads/2012/08/evil-money-300×300.jpg

La situación financiera en que estamos hoy ha sido resultado de la forma en que pensamos acerca del dinero, y totalmente influenciada en como hemos visto a otros personas usar el dinero o referirse a él, ya sea por parte de nuestros padres, familiares, amigos o a través de nuestra experiencia propia diaria con el uso del dinero.

En dependencia de la forma en que vemos y nos sentimos acerca del dinero será nuestra relación con el, y de ello dependerá cuanta prosperidad económica y abundancia de dinero atraeremos y tendremos en nuestra vida.

¿Que mitos o creencias tenemos hoy sobre el dinero muchos de nosotros?

Mito 1: Que el dinero no es bueno, que hace a las personas actuar despiadadamente y sin compasión por los demás

El dinero no es bueno, ni es malo. El dinero en si mismo no lleva ninguna de estas afirmaciones. Son las personas que lo usan la que le atribuyen esta categoría de bueno o malo.

El dinero solo intensifica las cualidades de la persona. Si la persona es alguien con valores sociales y personales altos, esa persona con mucho dinero hará mucho bien a otras personas, contribuyendo a su desarrollo y bienestar. Ahora si la personal es de malos sentimientos y no es buena, pues hará con el dinero peores cosas aun, tratando a las personas a su alrededor sin compasión y sin respecto.

Mito 2: Que el dinero no compra la felicidad

El dinero es verdad que no compra la felicidad pero tampoco la pobreza compra la felicidad.

Muchas personas ricas son infelices, y muchas personas con poco dinero son muy felices. Esto quiere decir que la felicidad no radica en cuanto dinero tengamos sino mas bien en como llevamos y organizamos nuestras vidas de forma que encontremos la paz interior y el balance que queremos para vivir en armonía con quien somos y con las personas que amamos a nuestro alrededor. La felicidad incluye bienestar, prosperidad, salud, sabiduría, y tranquilidad financieras entre otras cosas.

Mito 3: Que el dinero no es importante

El dinero si es importante. Si usted no tiene dinero no puede comprar los alimentos que necesita para alimentar a su familia o pagar las medicinas que necesita o enviar a los hijos a una mejor escuela.

Mire a su alrededor y vera que sino tiene dinero no puede recibir ni intercambiar productos ni servicios que son necesarios, por lo tanto si es importante. El dinero es tan importante como el amor, como la bondad, como tener buena salud física y como todo lo demás que es necesario para llevar una vida con prosperidad y bienestar.

Mito 4: Yo vengo de una familia pobre por lo tanto nunca voy a hacer mucho dinero, nunca me hare rico

Las estadísticas demuestran que la mayoría de los millonarios hoy día provinieron de familias pobres, empezaron de cero y con esfuerzo y convencidos de que iban a triunfar consiguieron así el capital que han construido y disfrutan hoy: Ejemplo: Warren Bufet, Louise Hay, Napoleón Hill, Bill Gates.

La clave esta en encontrar aquello que te apasiona, y con perseverancia y convicción no importa cuantos obstáculos encuentres en tu camino seguir hasta construir el sueño de tu vida.

Mito 5: Hacer dinero es muy difícil, eso es para personas con educación

Hacer dinero para tener una vida cómoda y darnos los gustos que queremos no es difícil. Lo difícil es encontrar aquello que realmente amamos y que queremos hacer con esa gran pasión en nuestras vidas.

Por lo general cuando le preguntas a alguien que tiene dinero como hizo su fortuna la mayoría de las veces responden: encuentra lo que te apasiona, lo que realmente te gusta hacer y desarrolla todas las habilidades y conocimiento en esa dirección. Más tarde o más temprano lo lograras.

Estas personas quizás tampoco empezaron teniendo mucha educación, pero supieron desde un comienzo que era necesario buscar donde poder encontrar la información necesaria para comenzar a emprender el camino.

Mito 6: No hay dinero suficiente, todo el mundo quiere dinero y no hay tanto para todos

En el mundo hay tanto pero tanto dinero y abundancia de alimentos y productos que alcanzaría para todos tener muchísimo dinero y vivir en total abundancia. La respuesta a que vemos miles y miles de personas a diario muriendo de hambre y frio no es por falta de dinero o recursos es por la falta de compasión y amor hacia los demás.

También creemos que hay que competir por el dinero, y al hacer esto se lo estamos quitando a otros cuando en realidad no es así. La clave esta en crear, hay que crear, no competir y crear algo que tenga valor para los demás. Si usted crea un servicio o producto que tiene valor de uso para los demás entonces usted recibirá a cambio valor monetario por lo que brinda. Es así de simple.

Gracias por leer este artículo y visitar: PuenteFinanciero.net

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