Feeling like January's got you in a chokehold? Why Do I Always Blow My January Budget? You're definitely not alone! We dive into that all-too-familiar struggle of starting the new year with high hopes and watching them crash by mid-January. But guess what? You're not lazy; you're just tired of going solo on this financial rollercoaster. We chat about how to flip the script, ditch the shame, and lean into God's grace instead. Plus, we’ve got some solid tips for crafting a killer 90-day plan that helps you breathe a little easier and tackle those bills like a boss. So, let’s get into it and start building that peace, not panic!<a href="https://www.financiallyconfidentchristian.com/blog/navigating-financial-waters/" rel="noopener noreferrer" target="_blank">Read today's blog article</a><a href="https://youtu.be/DDCB7Mp1rPk" rel="noopener noreferrer" target="_blank">Check out the full podcast episode here</a>Kicking things off with a listener's burning question, we dive deep into the January blues that hit folks hard after the holiday cheer fades. You know the drill: new year, new goals, and then—bam!—the budget gets blown faster than a balloon at a birthday party. I totally feel you, my friend! Life throws bills at you like confetti, and it can feel like you're stuck in a never-ending cycle of panic. But here's the kicker: you’re not lazy; you're just tired of trying to make sense of it all solo! So, what can we do? We're talking about rebuilding that financial confidence and ditching the shame. Let’s take a step back and breathe, folks. I’ve been there, and it’s not about perfection; it’s about progress. Knowing that peace is greater than perfection is a game-changer. Also, if you want to avoid the January chaos, a 90-day plan beats the heck out of 90 days of panic! We’re all about small steps that lead to big wins, so let’s lay down a plan together and make this year different. Now, let’s get real about those feelings of dread when checking your bank balance and how to flip that script with some good ol’ preparation. God’s not keeping score on your finances; He’s measuring your growth and belief. So, we’re digging into grace over guilt because it’s about looking forward, not back. You’ve got to embrace that restart, my friends! And as we plan for the upcoming months, remember: small steps now prevent big stress later. Trust me, we’re all in this together, and we can create a financial plan that reflects trust without the tension. You got this!As we wrap up, I’m giving you a little homework: jot down your expenses for the first few months. Seriously, just do it. Then take a step back and pray about it. This isn’t a command; it’s an invitation to a more peaceful financial journey. And if you’re feeling overwhelmed, don’t sweat it! Join our community and let’s break that financial shame together. Remember, you’re not behind; you’re just on your way to becoming who you’re meant to be. Let’s do this!Takeaways:<ul><li> Feeling overwhelmed with finances in January isn't just you; many feel the same way. </li><li> Starting fresh is cool, but don't let shame hold you back from planning better. </li><li> God's grace helps us move forward, so ditch the guilt and focus on hope. </li><li> Planning for just 90 days can ease financial stress and give you breathing room. </li><li> Taking small steps now can prevent big financial problems later on, so start today! </li><li> Community support is key; you're not alone in this financial journey, so reach out! </li></ul> Links referenced in this episode:<ul><li><a href="https://financiallyconfidentchristian.com" rel="noopener noreferrer" target="_blank">financiallyconfidentchristian.com</a></li><li><a href="https://financiallyconfidentchristian.com/join" rel="noopener noreferrer" target="_blank">financiallyconfidentchristian.com/join</a></li><li><a href="https://financiallyconfidentchristian.com/YouTube" rel="noopener noreferrer" target="_blank">financiallyconfidentchristian.com/YouTube</a></li></ul> <h3>💛 Join the Financially Confident Christian Community</h3>If today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at <a href="https://financiallyconfidentchristian.com/join" rel="noopener noreferrer" target="_blank">financiallyconfidentchristian.com/join</a>Together, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏<a href="https://www.financiallyconfidentchristian.com/" rel="noopener noreferrer" target="_blank">LISTEN NOW</a><a href="https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg" rel="noopener noreferrer" target="_blank">WATCH NOW ON YOUTUBE</a> (OUR VIDEO VERSION)<a href="https://rumble.com/c/ASKRALPHPODCAST" rel="noopener noreferrer" target="_blank">WATCH NOW ON RUMBLE</a> (OUR VIDEO VERSION)Please share our Podcast with all your friends and family!Submit your questions or ideas for future shows - email us at&nbsp;<a href="mailto:ralph@askralph.com" rel="noopener noreferrer" target="_blank">ralph@askralph.com</a> or leave a voicemail message on our podcast page <a href="https://financiallyconfidentchristian.com/" rel="noopener noreferrer" target="_blank">Leave A Voicemail Message</a>&nbsp;

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