Do you have a budget? If not this is the perfect episode to tune into. On this Episode, host Chae Cole presents a budget that many personal finance experts recommend. This budget is the 50/30/20 budget. With 50% of your after tax income being allocated for needs, 30% for wants, and 20% for wants. Additionally, Chae provides listeners with some of his favorite budgeting and personal finance apps (See Links Below). Not only does Chae talk about budgeting, but he also gives some basic insight on the biblical principle of tithing and how that plays into creating a budget. If you were on the fence about tithing, wanted to know more about tithing, then this is also an episode that you don't want to miss.

Links to Mentioned Resources:

Affiliate Link Disclaimer: Some affiliate Links are used below. We only recommend products and services that we personally use.

Mint- https://www.mint.com

Personal Capital- https://www.personalcapital.com

Jesus & Money by Ben Witherington - https://amzn.to/2R4Ch2e

Episode Scripture- Proverbs 27:23 ESV: Know well the condition of your flocks, and give attention to your herds.

Host: Chae Cole

Intro/Closing Beat: Maurice Meyers

Instagram: @Coletherapy

Website: https://www.coletherapy.com

Email: [email protected]

This is the first episode in the series on Personal Finance/Money. On this episode, host Chae Cole breaks down some basic concepts of money. While this is not a comprehensive list, these are a few things to be aware of to have a strong since of financial understanding.  The basic principles discussed include Money is behavioral, Money is tool, Money can work for you, and Money requires discipline. Understanding these four principles will help us along our financial journey. Tune in to find out how you can apply and understand these principles.

Episode Scripture- Proverbs 17:16 NIV - Why should fools have money in hand to buy wisdom, when they are not able to understand it?

Host: Chae Cole

Intro/Closing Beat: Maurice Meyers

Instagram: @Coletherapy

Website: https://www.coletherapy.com

Email: [email protected]

On this episode, host Chae Cole is giving listeners that extra push to start whatever it is that you've been procrastinating on or putting off. Whether it be starting a business or just a restarting a hobby. Just Do It! Don't despise small beginnings! You will never achieve great things if you don't take the first step. Plant the seed so that you will reap the harvest that you want to see!

Episode Scripture- Job 8:7 NIV: Your beginnings will seem humble, so prosperous will your future be.

Host: Chae Cole

Intro/Closing Beat: Maurice Meyers

Instagram: @Coletherapy

Website: https://www.coletherapy.com

Email: [email protected]

On this Episode, Chae provides us with some tips on how we can make the necessary adjustments to accomplish our goals. By understanding what causes us to miss our deadlines, Chae encourages us to push deeper and be okay with reprioritizing, refocusing, and rededicating ourselves to achieving our goals. It is important that we do this and trust God's timing in everything that we do. While it is okay to miss a deadline, it is not okay to make excuses on why we did not achieve our goals. Rather than make excuses we should make the necessary adjustments.

Matt D'Avella Three Year Rule Video: https://www.youtube.com/watch?v=9HF2AjcXurA

Episode Scripture: Joshua 1:9 - Have I not commanded you? Be strong and of good courage; do not be afraid, nor be dismayed, for the Lord your God is with you wherever you go.”

Host: Chae Cole

Intro/Closing Beat: Maurice Meyers

Instagram: @Coletherapy

Website: https://www.coletherapy.com

Email: [email protected]

On this episode we build upon the 2020 vision from Episode 1. Host Chae Cole goes over SMART Goals and how to create them. SMART stands for Specific, Measurable, Attainable, Realistic, and Time-Bound. Using this framework, we can set goals that stretch us but also help us refine what we placed on our vision boards, the goals we set for the new year, etc.

Additionally, Chae encourages listeners to  operate their lives and goals like a business. In order to do this, listeners are encouraged to break their goals into quarterly chunks. This will allow bigger goals to be broken down and seem less intimidating. It also allows us to assign tentative dates to the things that we want to accomplish. By assigning a date (Quarter) to our goals, it gives us something to work toward each quarter to ensure that we achieve our goals.

SMART Goals Resource: https://corporatefinanceinstitute.com/resources/knowledge/other/smart-goal/

Episode Scripture: Psalms 119:105 NKJV- Your word is a lamp to my feet And a light to my path.

Host: Chae Cole

Intro/Closing Beat: Maurice Meyers

Instagram: @Coletherapy

Website: https://www.coletherapy.com

Email: [email protected]

With 2020 weeks away, it is important that we consider what we want to accomplish in new year. In this episode we ask ourselves three central questions about previous years. What did I do well? What opportunities for improvement exist? What changes will I make? We will take a look at these three questions from five different perspectives: Physically, Mentally, Financially, Professionally, and Spiritually.  

This episode serves to get you thinking critically about what you have done in these areas in the past and how you can improve in 2020. You can think of this episode as a sort of performance review or even a vision board for 2020. This episode is the backbone of the season as we will build upon the vision of 2020 each week. 

American Heart Association Article: https://www.heart.org/en/healthy-living/fitness/fitness-basics/aha-recs-for-physical-activity-in-adults

Nerd Wallet "How to Build a Budget": https://www.nerdwallet.com/blog/finance/how-to-build-a-budget/

Episode Scripture: Habakkuk 2:2-3 NKJV- Write the vision; make it plain on tablets, so he may run who reads it. 3 For still the vision awaits its appointed time; it hastens to the end—it will not lie. If it seems slow, wait for it;  it will surely come; it will not delay.

Host: Chae Cole

Intro/Closing Beat: Maurice Meyers

Instagram: @Coletherapy        

Website: https://www.coletherapy.com

Email: [email protected]

The Introduction to Cole Therapy. Hear from host Chae Cole as he gives you insight into what the Cole Therapy podcast is all about. If you're in the need of some extra encouragement, inspiration, and motivation; then this is the podcast for you!