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    Naked and Unashamed
    Naked and Unashamed
    Naked and Unashamed
    Ebook146 pages2 hours

    Naked and Unashamed

    By Ericka Young

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    About this ebook

    When was the last time you and your spouse took an up close and personal look at your finances?

    Let's face it. Money is hard to talk about. But if we don't get real we won't get free. Naked and Unashamed is designed to highlight an area of our lives that we neglect. It is time to uncover the truth so you can finally reach your financial goals. The future of your marriage depends on it!

    In this book you will:
    - Get tools on communicating effectively about money with to get you started.
    - Learn how your money past is affecting you today and not allow it to define you anymore.
    - Face your current state of financial affairs so you can wake up and do something about it.
    - Create a financial road map leading you to the future you desire and deserve.

    A financially fulfilling relationship is possible if you get rid of the money baggage holding you back. It's time to get Naked and Unashamed with your money and your honey.

    LanguageEnglish
    PublisherEricka Young
    Release dateFeb 1, 2017
    ISBN9781946533012
    Naked and Unashamed
    Author

    Ericka Young

    Ericka Young is a recognized expert in financial coaching and helps families significantly improve their finances and their future. As founder and president of Tailor Made Budgets, she teaches debt freedom through her e-newsletters, personal coaching, group programs, and speaking engagements.

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      Book preview

      Naked and Unashamed - Ericka Young

      Copyright © 2017 by Ericka Young

      Smashwords Edition

      All rights reserved. No part of this book may be used or reproduced in any manner whatsoever without prior written consent of the author, except as provided by the United States of America copyright law.

      For permission to reprint portions of this content or bulk purchases, contact Tailor-Made Budgets

      Publishing, composition, and design managed by Niche Pressworks

      www.nichepressworks.com

      ISBN Print: 978-1-946533-00-5

      ISBN Digital: 978-1-946533-01-2

      Scripture taken from the New King James Version®. Copyright © 1982 by Thomas Nelson. Used by permission. All rights reserved.

      THE HOLY BIBLE, NEW INTERNATIONAL VERSION®, NIV® Copyright © 1973, 1978, 1984, 2011 by Biblica, Inc.® Used by permission. All rights reserved worldwide.

      Holy Bible, New Living Translation, copyright © 1996, 2004, 2015 by Tyndale House Foundation. Used by permission of Tyndale House Publishers Inc., Carol Stream, Illinois 60188. All rights reserved.

      Scripture taken from the NEW AMERICAN STANDARD BIBLE®, Copyright © 1960, 1962, 1963, 1968, 1971, 1972, 1973, 1975, 1977, 1995 by The Lockman Foundation. Used by permission.

      Praise For NAKED AND UNASHAMED

      I have had the chance to witness firsthand what happens when a person grabs a hold of the sound financial principles that Ericka shares in Naked and Unashamed. She has helped so many people in our church get out of debt, save money, and live like no one else. In her book, Ericka has masterfully explained how our faith, fears and family history have affected the way we see money today. Having known Ericka for many years now, she doesn’t just teach these principles, she has lived these principles. You can hear and feel her passion for seeing people walk in real financial freedom all throughout her book! This is definitely a must read and a keeper for your personal library.

      Sean Moore, Senior Pastor, Faith Christian Center, Phoenix, Arizona

      Naked and Unashamed changes everything when it comes to money conversations in marriage. As a licensed counselor, I’ve seen countless couples struggle to tackle financial challenges. But this book makes it easy, providing a step-by-step guide to help couples take the masks off and create the financial future they desire. If you’re married, do yourself a favor and read every page of this book.

      Nicole Elam, Couples Coach and Founder of www.BadtoBetterGoodtoGreat.com

      As I was reading Naked and Unashamed I thought to myself: This book needs to be mandatory reading for all couples going through premarital counseling. Following the advice Ericka gives in the book will ensure that couples have a solid financial footing as they begin their lives together as husband and wife and will save them from heartache, disappointment and financial stress. It will also help couples who have already encountered financial problems to communicate openly, address their issues and get into a more secure financial position. I highly recommend Naked and Unashamed.

      Rosie Brock, Author of Hope Infusion: The Stabilizing Force in an Unstable World

      Early on in marriage you realize a big part of marriage is learning how to communicate. Naked and Unashamed is the book I wish I had in the early years when I struggled to understand and express my money fears. The 10 conversations in this book would have helped us get on the same page much sooner and possibly avoid some of the many mistakes we made along the way.

      Kendra Tillman, Event Host and Author of You Are Stronger Than You Think: Lessons of Endurance in the Race of Faith

      Dedication

      To my husband, Chris, who has made the ups and downs of creating a life we truly love worth it.

      To our daughters, Faith and Olivia. You are the reason we have embarked upon this journey of financial freedom. Your presence has given us the purpose and passion to accomplish far more financially, than we ever thought possible. May you both experience the prosperity God desires for you as well.

      Acknowledgements

      Birthing a book is no small endeavor. It literally took an army of people to finally gets this book in your hands. As a result, there are many people to thank.

      First of all, without my Lord and Savior Jesus Christ, there would be no story to tell. Thank you for setting me free of all bondage and giving me the courage to share my journey with others, so we can all experience the life you desire us to live.

      Thanks to my amazing husband, Chris. You’ve been so patient, encouraging, and understanding during this season. It wasn’t easy but it was worth it. I’m so glad we get to create a financial future we can enjoy together. I love you!

      Thank you Nicole Gebhardt and Crystal Yeagy, for helping me get this project finished. This book would never have gotten to print or be something people want to read, without you both!

      Thanks to all the people who helped me edit, rework, and eventually complete this work – Christine Simmons, Elisha Martin, Holly Kile, Rosie Brock, and Nicole Elam, and Emily Schmitz.

      Kendra, you’ve been my biggest cheerleader throughout my entire business journey. Without you, I know for certain, I would not have gone into business. Thank you for believing in me and making sure I didn’t quit.

      Table of Contents

      Dedication

      Acknowledgements

      Introduction

      Section 1: Your Money Past

      Naked Conversation 1: Uncover and Make Peace With Your Money Past

      Naked Conversation 2: Grow Up Financially and Understand Your Money Story

      Naked Conversation 3: Come Clean With Your Honey

      Section 2: Your Money Present

      Naked Conversation 4: Turn the Lights On With A Reality Check

      Naked Conversation 5: Don’t Mimic the Joneses: Their Broke

      Naked Conversation 6: Get Out of Debt For Good!

      Naked Conversation 7: Set Healthy Boundaries

      Section 3: Your Money Future

      Naked Conversation 8: Get Into Agreement

      Naked Conversation 9: Create a Financial Vision

      Naked Conversation 10: Teach Your Kids

      Conclusion

      Client Testimonials

      About the Author

      Introduction

      Imagine a life where you and your spouse are on the same page financially. You have dreams and goals that you are reaching every year, and you get to enjoy the journey along the way. That’s what we expected when we said, I do, right?

      What you may not realize is that your past relationship with money has affected your present situation. And, your present habits with money are determining your future. Most of the time, we’re not even aware that this is going on. So many people end up at the age of sixty-five, thinking about retiring, but have no funds because they didn’t make a plan ahead of time. Your story doesn’t have to end this way.

      Naked and Unashamed is all about coming clean financially, so you can create the future you desire together, as a couple. Think about this: on average, we get married before we turn thirty, most of us retire around sixty-six, and, you can expect to live to be about eighty years old. This means that you will spend fifty years with your spouse, and nearly twenty-five of those years will be in retirement. That is way too many years to suffer from debt, financial stress or tension, and still not have accumulated any money.

      It is very possible you have tried all kinds of things to fix your financial mess. Budgets seem to be the one thing everyone runs to when trying to make their finances work. Every financial professional (myself included) will tell you to create a written game plan, and, yes, that normally includes a budget. However, if a budget was all you needed to get and stay out of debt, then everyone would have one, and you would see financially successful people all over the place. Here’s the deal…

      The budget will only work, if you work the budget.

      Most people don’t work the budget. They don’t revisit it regularly to implement what it says. In addition to that, the budget is simply one tool. Granted, it is a tool I love because I’m a nerd with spreadsheets, but nonetheless, the budget doesn’t tell the entire story. It’s one tool of several that you will need. But what’s the real reason you aren’t making financial progress? This book will show you that there is more involved in your financial picture, than you’ve been led to believe.

      When you said I Do!, you committed to a lot of things, like staying for richer or poorer. Many brides and grooms don’t really believe they will ever have to endure the latter, yet richer doesn’t just happen. We can get so caught up in the moment and details of the wedding, that we don’t stop to think about the actual marriage. It takes work, discipline, and unity in a relationship to reach your financial goals. As you conquer these goals, you get closer and grow stronger as a team. If you follow the principles described in this book, you will be well on your way to having the financial future you both desire, and that you imagined on your wedding day.

      In the Beginning

      I’m not good with numbers.

      If I just made more money, I could get my finances in order.

      I don’t have enough time.

      Well-meaning couples, families and individuals have shared these sentiments time and again in my coaching practice. Let’s face it, it’s easy to justify not handling money prudently. Believe me, I’ve done it too! We tend to sweep things under the rug and believe that love will conquer all.

      Love can’t conquer misbehavior with money and it sure won’t pay the bills.

      Yes, sometimes life is hard. We do have emergency situations that cause drama in our financial life. Nothing and no one is perfect. However, the above statements are the excuses that wage war against our ability to succeed with money.

      I wish there was a magic wand to make your finances work out, in an instant. While I don’t have a magic wand, you do. Your magic wand is disguised as a thing called work. Any financially successful person will tell you that it takes diligence, patience, and a lot of hard work to create the financial picture you desire. They’ll also tell you, it’s worth it.

      In order to find true healing in our financial lives, we must take a look at what God initially intended for us to have in our relationships and, subsequently, with our money. Going back to the very beginning brings perspective.

      Therefore a man shall leave his father and

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