Saturday, December 18, 2010

Merry Christmas and Happy New Year!

From our hearts to yours, we want to wish you a very merry Christmas and an outrageously cool new year!






Ice crystals formed under the snow this week. It was just plain gorgeous!



FIRST Wild Card Tours will be back on January 3rd with a new year of great tours. Until then, may your hearts be glad, your tummies be full, and your hands be turning the pages. Merry Christmas to all our wonderful members and readers. We love and appreciate you!

Monday, December 13, 2010

The Lamb’s Supper Study Guide by Scott Hahn

Tour Date: December 16th

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It is time for a FIRST Wild Card Tour book review! If you wish to join the FIRST blog alliance, just click the button. We are a group of reviewers who tour Christian books. A Wild Card post includes a brief bio of the author and a full chapter from each book toured. The reason it is called a FIRST Wild Card Tour is that you never know if the book will be fiction, non~fiction, for young, or for old...or for somewhere in between! Enjoy your free peek into the book!

You never know when I might play a wild card on you!


Today's Wild Card author is:


and the book:


The Lamb’s Supper Study Guide

Image; Stg edition (November 2, 2010)

***Special thanks to Staci Carmichael, Marketing and Publicity Coordinator
Doubleday Religion / Waterbrook Multnomah, Divisions of Random House, Inc., for sending me a review copy.***

ABOUT THE AUTHOR:


SCOTT HAHN was recently appointed as the inaugural Chair of Biblical Theology and Liturgical Proclamation at Saint Vincent Seminary (Latrobe, Pennsylvania). He is also professor of theology and Scripture at the Franciscan University of Steubenville. An internationally renowned lecturer, Scott is founder and president of the St. Paul Center for Biblical Theology and editor of the Center's academic journal, Letter & Spirit. He is the author of a dozen books, including The Lamb's Supper; Hail, Holy Queen; Swear to God; and Understanding the Scriptures. His scholarly articles have appeared in various academic journals, including the Journal of Biblical Literature, Catholic Biblical Quarterly, and Currents in Biblical Research. He lives with his wife, Kimberly, and their six children in Steubenville, Ohio.

Visit the author's website.

Product Details:

List Price: $9.99
Paperback: 112 pages
Publisher: Image; Stg edition (November 2, 2010)
Language: English
ISBN-10: 0307589056
ISBN-13: 978-0307589057

AND NOW...THE FIRST CHAPTER:


How to Use This Book


You may use the book in any way you wish. For each session I have indicated a chapter of the book for advance reading. I have supplemented this “assignment” with pointers to other supplementary material—from the Bible, from the Catechism of the Catholic Church, and from other Church documents. I have also chosen, for each session, a hymn whose text is related to the discussion at hand. Singing sometimes loosens up the voices of discussion group members. And these traditional hymns will certainly give you something to talk about.

But my outline here is not intended to be a ritual. You’re free to use the elements that appeal to you and your group, in whatever order you please. You may skip whatever doesn’t work for you.



Session 1


Foreword by Father Benedict Groeschel, C.F.R.


SUMMARY AND KEY POINTS

• This book brings together several powerful spiritual realities.

• Eschatology is the study of “last things.”

• It is important that we conduct our study with a proper sense of the sacraments.


At my invitation, Father Benedict Groeschel wrote a foreword to The Lamb’s Supper. Father Benedict approaches the subject of the book from a very different perspective. He is a priest and I’m a layman. Father Benedict is a “cradle Catholic” and I’m a convert. Yet we converge upon a common faith; and, for very different reasons, we see a clear relationship between three realities that many people see as distinct or even unrelated: the Mass, the end times, and the Book of Revelation.

Father Benedict emphasizes the contrast between his own experience and mine. For me, the book is all about exciting “discoveries” I made in my studies. For him, the book is about an everyday reality he has known since he was an altar boy. These elucidations are not a novelty to him, but rather what he has “thought about the Eucharist for decades.”

Father Benedict also emphasizes certain things that are distinctive about Catholic doctrine and practice. He refuses, for example, to classify the Mass as a religious “service,” preferring terms such as “Divine Liturgy” instead. Similarly, he speaks of his own priesthood as a share in the priesthood of Christ, who is our only true priest.

He is especially concerned with the “sacramental” quality of the Church’s worship. According to tradition, a sacrament is an outward sign, instituted by Christ and entrusted to the Church. Through signs that can be perceived by the senses, the sacraments bestow divine grace.

Father Benedict notes that many people are disturbed by the prospect of the end of time, but he is himself at ease with the possibility of its fulfillment in his lifetime or its indefinite delay.

Along the way, he introduces us to certain key terms, such as eschatology, a theological term that refers to the study of last things. He encourages us to study “carefully” and “learn.”


Scripture

Revelation 4:8–11; 5:9–14; 7:10–12; 19:1–8


Doctrine

Catechism of the Catholic Church, n. 2642: The Revelation of “what must soon take place,” the Apocalypse, is borne along by the songs of the heavenly liturgy but also by the intercession of the “witnesses” (martyrs). The prophets and the saints, all those who were slain on earth for their witness to Jesus, the vast throng of those who, having come through the great tribulation, have gone before us into the Kingdom, all sing the praise and glory of him who sits on the throne, and of the Lamb. In communion with them, the Church on earth also sings these songs with faith in the midst of trial. By means of petition and intercession, faith hopes against all hope and gives thanks to the “Father of lights,” from whom “every perfect gift” comes down. Thus faith is pure praise.


Song


Come, Divine Interpreter

By Charles Wesley

(To the tune of “For the Beauty of the Earth”)

Come, divine Interpreter,

Bring me eyes your book to read,

Ears the mystic words to hear,

Words which did from you proceed,

Words that endless bliss impart,

Kept in an obedient heart.

All who read, or hear, are blessed,

If your plain commands we do;

Of your kingdom here possessed,

You we shall in glory view

When you come on earth to abide,

Reign triumphant at your side.


Questions for Reflection and Discussion


1. Before reading this book, had you ever connected the Mass with the end times and the Book of Revelation? Had anyone ever made the connection for you?

2. How, do you think (or would you guess), are these three things related?

3. Is your own experience of the Mass closer to that of Father Benedict Groeschel or that of the author of this book? Or does your experience share elements of both? Explain your answer.

4. How do you feel about the possibility of the world ending? What hopes or fears does it arouse in you?

5. What, do you think, separates a sacrament from a mere “service” of the sort Father Benedict mentions?

6. What will you look for in your study of “the end times”—your study of eschatology? What are your interests, concerns, expectations, or worries about the climax of history?

7. Have you ever had an experience at Mass that you considered a glimpse or foretaste of heaven? Has anyone you know had such an experience?

Sunday, December 12, 2010

The Lamb’s Supper by Scott Hahn

Tour Date: December 15th

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It is time for a FIRST Wild Card Tour book review! If you wish to join the FIRST blog alliance, just click the button. We are a group of reviewers who tour Christian books. A Wild Card post includes a brief bio of the author and a full chapter from each book toured. The reason it is called a FIRST Wild Card Tour is that you never know if the book will be fiction, non~fiction, for young, or for old...or for somewhere in between! Enjoy your free peek into the book!

You never know when I might play a wild card on you!


Today's Wild Card author is:


and the book:


The Lamb’s Supper

Doubleday Religion; First Edition edition (November 9, 1999)

***Special thanks to Staci Carmichael, Marketing and Publicity Coordinator
Doubleday Religion / Waterbrook Multnomah, Divisions of Random House, Inc., for sending me a review copy.***

ABOUT THE AUTHOR:


SCOTT HAHN was recently appointed as the inaugural Chair of Biblical Theology and Liturgical Proclamation at Saint Vincent Seminary (Latrobe, Pennsylvania). He is also professor of theology and Scripture at the Franciscan University of Steubenville. An internationally renowned lecturer, Scott is founder and president of the St. Paul Center for Biblical Theology and editor of the Center's academic journal, Letter & Spirit. He is the author of a dozen books, including The Lamb's Supper; Hail, Holy Queen; Swear to God; and Understanding the Scriptures. His scholarly articles have appeared in various academic journals, including the Journal of Biblical Literature, Catholic Biblical Quarterly, and Currents in Biblical Research. He lives with his wife, Kimberly, and their six children in Steubenville, Ohio.

Visit the author's website.

Product Details:

List Price: $21.95
Hardcover: 174 pages
Publisher: Doubleday Religion; First Edition edition (November 9, 1999)
Language: English
ISBN-10: 0385496591
ISBN-13: 978-0385496599
Product Dimensions: 8.5 x

AND NOW...THE FIRST CHAPTER:


In Heaven Right Now

WHAT I FOUND

AT MY FIRST MASS

THERE I STOOD, a man incognito, a Protestant minister in plainclothes, slipping into the back of a Catholic chapel in Milwaukee to witness my first Mass. Curiosity had driven me there, and I still didn’t feel sure that it was healthy curiosity. Studying the writings of the earliest Christians, I’d found countless references to ‘‘the liturgy,’’ ‘‘the Eucharist,’’ ‘‘the sacrifice.’’ For those first Christians, the Bible—the book I loved above all—was incomprehensible apart from the event that today’s Catholics called ‘‘the Mass.’’

I wanted to understand the early Christians; yet I’d had no experience of liturgy. So I persuaded myself to go and see, as a sort of academic exercise, but vowing all along that I would neither kneel nor take part in idolatry.

I took my seat in the shadows, in a pew at the very back of that basement chapel. Before me were a goodly number of worshipers, men and women of all ages. Their genuflections impressed me, as did their apparent concentration in prayer. Then a bell rang, and they all stood as the priest emerged from a door beside the altar.

Unsure of myself, I remained seated. For years, as an evangelical Calvinist, I’d been trained to believe that the Mass was the ultimate sacrilege a human could commit. The Mass, I had been taught, was a ritual that purported to ‘‘resacrifice Jesus Christ.’’ So I would remain an observer. I would stay seated, with my Bible open beside me.


SOAKED IN SCRIPTURE


As the Mass moved on, however, something hit me. My Bible wasn’t just beside me. It was before me—in the words of the Mass! One line was from Isaiah, another from the Psalms, another from Paul. The experience was overwhelming. I wanted to stop everything and shout, ‘‘Hey, can I explain what’s happening from Scripture? This is great!’’ Still, I maintained my observer status. I remained on the sidelines until I heard the priest pronounce the words of consecration: ‘‘This is My body . . . This is the cup of My blood.’’

Then I felt all my doubt drain away. As I saw the priest raise that white host, I felt a prayer surge from my heart in a whisper: ‘‘My Lord and my God. That’s really you!’’

I was what you might call a basket case from that point. I couldn’t imagine a greater excitement than what those words had worked upon me. Yet the experience was intensified just a moment later, when I heard the congregation recite: ‘‘Lamb of God . . . Lamb of God . . . Lamb of God,’’ and the priest respond, ‘‘This is the Lamb of God . . .’’ as he raised the host.

In less than a minute, the phrase ‘‘Lamb of God’’ had rung out four times. From long years of studying the Bible, I immediately knew where I was. I was in the Book of Revelation, where Jesus is called the Lamb no less than twenty-eight times in twenty-two chapters. I was at the marriage feast that John describes at the end of that very last book of the Bible. I was before the throne of heaven, where Jesus is hailed forever as the Lamb. I wasn’t ready for this, though—I was at Mass!


HOLY SMOKE!


I would return to Mass the next day, and the next day, and the next. Each time I went back, I would ‘‘discover’’ more of the Scriptures fulfilled before my eyes. Yet no book was as visible to me, in that dark chapel, as the Book of Revelation, the Apocalypse, which describes the worship of the angels and saints in heaven. As in that book, so in that chapel, I saw robed priests, an altar, a congregation chanting ‘‘holy, holy, holy.’’ I saw the smoke of incense; I heard the invocation of angels and saints; I myself sang the alleluias, for I was drawn ever more into this worship. I continued to sit in the back pew with my Bible, and I hardly knew which way to turn—toward the action in the Apocalypse or the action at the altar. More and more, they seemed to be the very same action.

I plunged with renewed vigor into my study of ancient Christianity and found that the earliest bishops, the Fathers of the Church, had made the same ‘‘discovery’’ I was making every morning. They considered the Book of Revelation the key to the liturgy, and the liturgy the key to the Book of Revelation. Something powerful was happening to me as a scholar and a believer. The book of the Bible that I had found most perplexing—the Book of Revelation—was now illuminating the ideas that were most foundational to my faith: the idea of the covenant as the sacred bond of the family of God. Moreover, the action that I had considered the supreme blasphemy—the Mass—now turned out to be the event that sealed God’s covenant. ‘‘This is the cup of My blood, the blood of the new and everlasting covenant.’’

I was giddy with the newness of it all. For years I had been trying to make sense of the Book of Revelation as some kind of encoded message about the end of the world, about worship in faraway heaven, about something most Christians couldn’t experience while still on earth. Now, after two weeks of daily Mass attendance, I found myself wanting to stand up during the liturgy and say, ‘‘Hey, everybody. Let me show you where you are in the Apocalypse! Turn to chapter four, verse eight. You’re in heaven right now.’’


STEALING MY THUNDER


In heaven right now! The Fathers of the Church showed me that this wasn’t my discovery. They had preached about it more than a thousand years ago. I was, however, convinced I deserved credit for the rediscovery of the relationship between the Mass and the Book of Revelation. Then I discovered that the Second Vatican Council had stolen my thunder. Consider the following words from the Constitution on the Sacred Liturgy:


In the earthly liturgy we share in a foretaste of that

heavenly liturgy which is celebrated in the Holy City of

Jerusalem toward which we journey as pilgrims, where

Christ is sitting at the right hand of God, Minister of the

sanctuary and of the true tabernacle. With all the warriors

of the heavenly army we sing a hymn of glory to the

Lord; venerating the memory of the saints, we hope for

some part and fellowship with them; we eagerly await the

Savior, our Lord Jesus Christ, until He, our life, shall appear

and we too will appear with Him in glory.


Wait a minute. That’s heaven. No, it’s the Mass. No, it’s the Book of Revelation. Wait a minute: it’s all of the above.

I found myself trying hard to go slowly, cautiously, careful to avoid the dangers to which converts are susceptible; for I was fast becoming a convert to the Catholic faith. Yet this discovery was not the product of an overwrought imagination; it was the solemn teaching of a council of the Catholic Church. In time, I would discover that it was also the inevitable conclusion of the most rigorous and honest Protestant scholars. One of them, Leonard Thompson, has written that ‘‘Even a cursory reading of the Book of Revelation shows the presence of liturgical language set in worship. . . . [T]he language of worship plays an important role in unifying the book.’’ The images of liturgy alone can make that strange book make sense. Liturgical figures are central to its message, Thompson writes, revealing ‘‘something more than visions of ‘things to come.’ ’’


COMING ATTRACTIONS


The Book of Revelation was about Someone Who was to come. It was about Jesus Christ and His ‘‘Second Coming,’’ which is the way Christians have commonly translated the Greek word Parousia. Through hour after hour in that chapel in Milwaukee in 1985, I came to know that that Someone was the same Jesus Christ Whom the Catholic priest lifted up in the host. If the early Christians were correct, I knew that, in that very moment, heaven touched down on earth. ‘‘My Lord and my God. That’s really You!’’

Still, serious questions remained in my mind and heart—about the nature of sacrifice, about the biblical foundations of the Mass, about the continuity of Catholic tradition, about many of the small details of liturgical worship. These questions would define my investigations through the months leading up to my reception into the Catholic Church. In a sense, they continue to define my work today. These days, however, I ask not as an accuser or a curiosity seeker, but as a son who approaches his father, asking the impossible, asking to hold a bright and distant star in the palm of his hand.

I don’t believe Our Father will refuse me, or you, the wisdom we seek regarding His Mass. It is, after all, the event in which He seals His covenant with us and makes us His children. This book is more or less a record of what I have found while investigating the riches of our Catholic tradition. Our heritage includes the whole of the Bible, the uninterrupted witness of the Mass, the constant teachings of the saints, the research of the schools, the methods of contemplative prayer, and the pastoral care of the popes and bishops. In the Mass, you and I have heaven on earth. The evidence is overwhelming. The experience is a revelation.

Saturday, December 11, 2010

The 60-Minute Money Workout: An Easy Step-by-Step Guide to Getting Your Finances into Shape by Ellie Kay

Tour Date: December 14th

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It is time for a FIRST Wild Card Tour book review! If you wish to join the FIRST blog alliance, just click the button. We are a group of reviewers who tour Christian books. A Wild Card post includes a brief bio of the author and a full chapter from each book toured. The reason it is called a FIRST Wild Card Tour is that you never know if the book will be fiction, non~fiction, for young, or for old...or for somewhere in between! Enjoy your free peek into the book!

You never know when I might play a wild card on you!


Today's Wild Card author is:


and the book:


The 60-Minute Money Workout: An Easy Step-by-Step Guide to Getting Your Finances into Shape

WaterBrook Press (December 14, 2010)

***Special thanks to Cindy Brovsky and Staci Carmichael of Doubleday Religion/ Waterbrook Multnomah, Divisions of Random House, Inc., for sending me a review copy.***

ABOUT THE AUTHOR:


ELLIE KAY is a financial expert on Good Money (ABC NEWS) and best-selling author of more than a dozen books and hundreds of magazine articles. She’s a regular media guest on CNBC, CNN, and Fox News, and has been featured on ABC Nightline, Your World with Neil Cavuto, and Fox and Friends. Her radio commentary for Focus on the Family airs on more than two thousand radio outlets around the world. She and her husband are the parents of seven children and live in Southern California.

Visit the author's website.

Product Details:

List Price: $14.99
Paperback: 224 pages
Publisher: WaterBrook Press (December 14, 2010)
Language: English
ISBN-10: 0307446034
ISBN-13: 978-0307446039

AND NOW...THE FIRST CHAPTER:


60 Minutes to

Financial Freedom


Thirty years.

That’s how long it took to achieve the dream.

When I was at the ripe old age of ten, my parents won a trip to Germany because my dad bought a certain number of air conditioners for his part-time building business. They promised to bring me back “something special.” I imagined a Bavarian costume, a crown that belonged to a real princess, or maybe even a china teacup. Instead, they brought me a book and a rock. The rock came from the lake where King Ludwig allegedly killed himself, and the book was a compilation of his castles and treasures. They were a little odd, but those gifts ended up serving me well.

At school, I used the book to write a report on King Ludwig that earned an A+. And the rock inspired a dream to one day see Neuschwanstein, also known as “the Disneyland Castle.”

Three decades later I was able to fulfill those travel dreams, thanks to my international work with military families. As I walked through the castle’s gilded hall, my imagination wandered to what life must have been like for people such as King Ludwig, who had only known a life of wealth and privilege, then to have that life cut short through suicide or murder. I decided that my life as a mother of seven wasn’t that bad after all. I may not have been at the pinnacle of wealth and privilege, but I was fulfilling my dream, which also happened to be squarely in the path of another of my dreams: helping military families achieve their financial dreams.

Along the road to a dream fulfilled, there was hope deferred, justice denied, and paradise lost. But one thing remained true: there was a plan and purpose for the ten-year-old version of me, and my dreams—some material, some personal, and some spiritual—were worth keeping.

What were some of your childhood dreams?

Do you still dream, or did you stop dreaming a long time ago?

Would I trade my dream trip to see Neuschwanstein for anything else? Of course I would! There are boatloads of things in life that carry far greater value than a trip: my husband, kids, friends, health, and an entire host of far more meaningful things than the material ones. But the point is that if we are purposeful, principled, and proactive about money matters, then we can still hang on to those longtime dreams and watch them come to pass.

Maybe your dream is to stop fighting about money with your mate.

Maybe you want to buy a home or go to Paris.

You might dream of putting your babies through college without a mountain of student-loan debt.

Or you might want to be able to sponsor a third-world child and give her a life she couldn’t have without your help.

While many people know they need to be proactive about money matters, few know the secret to putting feet to fiscal concepts. Knowledge alone is not enough to make a difference in a person’s financial picture. This knowledge has to be put into action regularly in order to reach your goals.

So move over money “makeovers,” it’s time for the money workout.

Makeovers fall short of truly revitalizing your financial picture. While they address the problem and suggest solutions, implementing those concepts on a day-to-day basis can feel like driving a Honda when you were dreaming of a roadster. Another challenge of a makeover is that you don’t know how to do it on your own after the experts leave.

But my money workout method will teach you how to have self sufficiency once this book is closed.

Maybe you’ve tried to work on money issues but instead ended up fighting with your spouse. It might be that the thought of sitting down with all your bills is so overwhelming that it falls into the realm of impossible. Maybe you’re convinced that you will never get out of debt, live in financial harmony, or own a home. It’s not about how much time you spend working on money issues; it’s about the quality of that time. So let’s get started with your own money workout.

It’s time to do our first pre workout quiz. It will only take ten minutes. The quizzes throughout this book serve to prepare you for the main workout, and you’ll get a lot more out of your sixty-minute money workout if you take the time to prepare. While our dream quiz seems to be a lifestyle quiz rather than a money quiz, it’s important to understand that almost every area of our lives is impacted by some financially related area. For example, an educational goal or dream coming true is often related to a work ethic, which is a financial skill. Personal goals that deal with family, marriage, and kids are definitely related to finances because of the impact that money matters have on families. Spiritual goals highly influence us in the way we use or view money. So try to fill out these dreams with that financial element in mind, and you’ll get more out of the quiz. Once you’ve finished this exercise, it will help you focus on past dreams or expectations, current realities, and future possibilities.


Pre-workout Quiz


1. What are some dreams you had as a much younger version of yourself? List a dream for each category:

Personal

Professional

Spiritual

Material

Educational


2. If you were to rank these “dreams come true” from 1 to 10, with 1 meaning that it did not get fulfilled in any way and 10 meaning it came to pass as you dreamed it or better, then how would you rank the dreams in question 1?

For example, maybe you always wanted a bachelor’s degree from the University of Southern California; instead you earned a master’s from the University of Texas. If you are satisfied with the fact that you received a better degree from a different college, you could indicate a 10 for that dream. Or maybe you always wanted to be a pilot in the air force but didn’t have the requisite eyesight. So you got rated in a Cessna and went on to have a fulfilling career in real estate. You might give that dream a 5. This is your test. Although it’s subjective, it represents your life and your level of contentment with your dreams.


3. Go back and add up your dream scores from questions 1 and 2.


4. Repeat the exercise, but instead of listing childhood dreams, list your current financial dreams for your future and/or your family’s. For example, buying a house, helping third-world children, putting your kids through college with minimal debt, building an adequate retirement fund, going to Paris, having a zero balance on all your credit cards, being in a position to help others in need. You get the idea.


5. If you can, put a “dreams come true” ranking next to your current dreams using the same scale as in question 2, but base it on how likely you think it is that your current dreams will come true.


Quiz Results

In step 3, you added your scores for the dreams of your youth. See below to determine where you are with those.

25 points or less: You’ve had a severely average life as opposed to the life you dreamed of having as a child. Or maybe you just had a very creative imagination and dreamed of becoming a dinosaur—talk about an impossible dream(unless you’re an archaeologist and you dig up dinosaurs, thus finding fulfillment by working in the same category of that childhood dream).

Another interpretation of this score can indicate an absence of exposure to key elements in your life. For example, maybe your family didn’t value education, so you didn’t have educational dreams. Consequently, you’ve either had to made adjustments and become a better person in the process of some dream-shattering realities, or you may have given up on the whole idea of dreaming and emptied your pockets of hope.

26–35 points: Either you weren’t very imaginative as a child and didn’t day dream about life in the future, or you had an above average culmination of your dreams coming true. This score could also indicate that you were purposeful and realistic in ways to make your dreams come true, even though you fell short of the youthful version of yourself. It might be that you’ve had some challenging life-changing events, but you’ve recovered from them enough to be able to take the second chance this world has given you.

36–45 points: You might be a lot like my husband, Bob, whose dad took him to a Blue Angels air show when he was a child. After the show Bob told his dad, “When I grow up I want to fly those jets with the funny noses.” He grew up to fly the F-4 Phantom, the same jet he saw at the air show. You have had most of your dreams come true and/or you’ve been very satisfied with a different interpretation of your childhood dream. Even if your real dream came true almost exactly the way you imagined it, you still may not be content, because contentment is often a choice. But it appears you have had every opportunity to be satisfied with the results of your childhood dreams.

45–50 points: You might be one of those people we know as someone who is “living the dream.” You were prescient or intuitive as a child, and it seems you followed your passions to see these dreams to fulfillment. Very few people can say that they’ve had most of their dreams come true, but you are one of that minority. With great privilege comes great responsibility, so you are now in a position to help others set goals and make their dreams come true. You can’t do everything for others, but you can help and give them hope. Congratulations on living the dream.

In step 5, you were to rank how likely you believe your new dreams will come true. This exercise measures the realistic nature of your goals and expectations as well as your optimism about your future. So add up those results and then go back and read the result descriptions above to see what areas may need to be adjusted in order to set yourself up for success in your financial life.


Boundaries for the 60-Minute Money Workout

As we prepare for the workout, it’s important to establish boundaries and do a little mental preparation as well. Some of the workouts in this book will be done alone, but other chapters will involve your mate, an accountability partner, or your family. The guidelines, however, are the same whether there’s one or ten people involved. Here are some boundaries to keep in mind:

No condescension or negativity. Don’t talk down to anyone who’s involved in the process, and if you’re alone, do not allow your mind to entertain any negative self-talk. It doesn’t matter if you’ve failed in the past, lack knowledge about certain aspects of finances, or have a bad self-image. For one hour, you are going to be focused on learning, keeping a positive mind-set, and making progress in the workout. In fact, that’s why it’s called a “workout,” because you are working out some of these things in your life to have a positive result.

No interrupting others when they are talking. If you have trouble with interrupting others, then sit on your hands. It will serve as a reminder that you are to listen in an active manner and not spend the time thinking about what you’re going to say next. If sitting on your hands fails to keep you from interrupting, then get a tennis ball and pass it back and forth. If the ball isn’t in your hands, then your lips should be still. And if you are talking and the other person starts to interrupt, just wave the ball and smile.

No name-calling. For one hour you are going to be part of the southern genteel class, an aristocrat born and bred with good manners. For a measly hour, you’re going to say nice things and not throw around labels.

No throwing food. Okay, this may seem like a funny and random boundary—it is. During my husband’s military service, a formal dinner could turn into a food fight if one wayward roll got out of control. So if you are prone to this kind of behavior, then maybe you shouldn’t do your money workouts over a meal.

If you truly have a problem with throwing golf clubs or Scrabble boards when you are frustrated, then you will need to do your money workouts with another mature person (or couple) or even a professional counselor.

Begin each workout by saying one positive thing. Most of us have negative self-talk tapes that run through our heads, and sometimes we just need to destroy those. I haven’t ever been able to stick to a budget. You’re such an idiot, how can you possibly get it together at your age? These are trash talk negative statements that should be thrown out. Instead, tell yourself something positive about yourself. Or tell your partner one positive thing that you like about him or her. It will be more beneficial if these positive things are financially related, such as, “You have a good work ethic” or “You really saved a lot when you bought that new notebook after shopping around.”

End each workout by saying one positive thing. You started on a positive note, and now you’re going to end on a positive note. If your positive statement can relate to the workout, that would be ideal. For example, “I didn’t quit. I stayed and finished the entire thing.” Or if you’re talking to another family member, “You really did a great job of listening, and I appreciate that you didn’t interrupt.”

Create an environment that encourages comfort and success. If you hate Mondays, then maybe you shouldn’t make Monday your money workout day. You want your workout to be set up for success, which means you should do it at a time when you feel rested, the kids are not underfoot, and you are in a place that is conducive to conversation. Part of this boundary point is to put this money workout on your calendar at a time and in a place that promotes a relaxed yet purposeful atmosphere.

Gather workout folders. One major positive about these money workouts is that you don’t have to purchase any journals, financial kits, or other expensive materials to make this work for you. The basic supplies you need are minimal and inexpensive. You will need to invest in a dozen pocket folders from a local office supply store (less than $10) and label them for the different workouts. For example, if you are working on a spending plan, then when you are finished for the hour, you can place the notes you made into the folder and later easily pick up where you left off.

Keeping your working materials separate also allows you to put other related materials into the folders and keep them organized, which makes your workouts easier. For example, if there’s a new Web site you want to check out for “The 60-Minute Travel and Fun Guide Workout,” then throw it into the appropriate pocket folder, and you’ll have it at the ready when you need it. If you have a college scholarship application you want to help your student complete, then place it in “The 60-Minute College Plan Workout” folder. This is all very low tech and simple.

Have a timer on hand. You need to stick to the times listed, even if you’re “on a roll” and want to keep going beyond the hour. Do not go overtime. It’s the same as a too-long workout at the beginning of a physical fitness routine. An extended workout will do you in and make you sore the next day, and a workout marathon defeats the purpose of the exercise. If your “money talks” have an established start time and a set finish time, they are going to be a lot less painful. Realize that you won’t get all the problems solved in just one hour. That’s okay. You still will make progress in that hour. Then you can come back to it and either make a little more progress or finish it. Part of the benefit of The 60-Minute Money Workout is that you’ll make the best, most productive use of those sixty minutes. A set hour is a wonderful motivation to stay on topic and move through each section quickly, without getting bogged down by any of the negatives listed above in the boundaries section. The regular part of the workout will keep you busy enough, because there’s no time for squabbling, condescension, or negativity.


The 60-Minute Money Workout

This is how the sixty-minute money workout works: every chapter has a different goal for the workout, such as retirement planning, vacation trips, or paying down consumer debt. You will have a timer and specific materials for each workout (such as calculators, Internet access, bills, etc.).The prep work for each exercise will list the materials you need. At the end of each chapter, you will find a tip sheet that will serve as an outline when you have the weekly topical workouts.

As with a physical workout, the keys to your success are consistency and intensity. For this workout to facilitate the miraculous in your life and revolutionize your finances, you have to practice it regularly (at least once a week) and you have to abide by the boundaries. So let’s get started.

Pick the goal you want to work on. Then grab a timer. You can set it for one hour and watch the time for each section. Or you can set the timer for the minutes available in each section, and when it goes off, it’s time to move on to the next section.

Here is how the times are broken down and what you do within each section.


1. Make-Up-Your-Mind Warm up (5 minutes)

This part of the exercise is listed in the boundary section as “Begin each workout by saying one positive thing.” There’s a proverb that says, “As a man thinks in his heart, so is he.” This is where you are going to begin to get focused on good things. If you are alone, then you will begin by closing your eyes and breathing deeply to relax your body and to get rid of any distracting thoughts from a busy day. If you are in the habit of praying, this would be a good time to meditate in order to think about what you want to accomplish during the next hour.

If you are with a family member or your mate, begin by saying something positive to him. For example, you could take your spouse’s hands, look into his eyes, and say something affirming. Then you will make a commitment to work on the issue in the session in order to get back into good financial shape. For example, “During this hour I want to work on a plan to have a debt-free vacation for our family.”


2. Strength Training (10 minutes)

It usually takes more than one mistake or circumstance to get into financial trouble. Whether you are working out alone or with someone else, you need to realize that this is the part of the workout where you move from being a victim of your choices or circumstances to taking the necessary steps toward having victory over them.

While step 1 was to start with affirming words and a commitment to work on your money topic, this section is a time to write down your goals so that you will have a tangible and objective standard to work toward. This gives both of you a temporary focus for today and a long-term focus for the next few months, as well as a big-picture view for the future.

Your goals will depend on your topic of the day. For example, if you are discussing a budget, your goals might include (a) setting up a budget that is real and workable, (b) staying on that budget for the next six months in order to learn how to spend less than what you make, and (c) establishing a budget habit that is a financial vehicle that will get your family out of consumer debt, help you pay for your kids’ college, and fund your retirement. Each chapter will guide you specifically through each section of the workout.

This is also the time for you to jot down any obstacles that have come up in the past and to plan how you can overcome them. For example, you may want to budget, but you keep going off budget, which is an obstacle. You could add, “Have accountability about budget” as a means of overcoming that obstacle. Or you could write, “Review budget monthly to stay on task.”


3. Cardio Burn (20 minutes)

In this step, you give feet to your goals. Basically, underneath where you wrote out your goals in step 2, you will write down the steps involved in how you plan to get there from where you are now as well as delegate who is going to be responsible for what, specifically. For example, if you’re setting up a budget, write down the specifics of what your budget needs to include, how you plan to implement your budget, and how often you’ll check in on your progress toward this goal. This may not seem like a lot of time to do all this during this section, but realize that you may not accomplish your goal during your first workout.

You can also carry the work from this section over to the next section— if you don’t have extra work to do in the next session. The key is to keep your discussion moving and to work on what you can. Whatever you don’t finish, you can get to the next time around. There are tools for every chapter in the “Tool Center” link on my Web site, www.elliekay.com.

Discuss and work on a plan for your topic of the day. Yes, this section and the next are the two hardest sections, but they are also the “fat burning” phases where you get the most benefit. When you write down the step-by-step plan for your topic, make sure your approach is realistic, and be sure to give and take when it comes to discussing this topic with your mate.

If you find the discussion stalls or otherwise gets bogged down, then you may want to table a particular point and get back to it later, or you may even need to agree to disagree.


4. Take Your Heart Rate (20 minutes)

This is the point where you do any of the specific work after you’ve written out the step-by-step plan from the previous section. It’s also a time to crunch the numbers and fill in the details (facts and figures) on any tools or work sheets you are using. For example, if you need to get the facts on your credit and debt information, this would be the time to do it. That means you may need to have a computer and Internet access. Don’t worry about the specifics now; this chapter is just an overview of how the program works. Each chapter will list the specifics of what you will need to do for this section. The examples I use here are just to familiarize you with the concept.

If your topic concerns credit and debt, then this would be the time to order a free copy of your credit report at www.annualcreditreport.com. Or if the workout is about saving money, you could use this time to set up an automatic allotment from your paycheck or from your checking to savings accounts. If your plan for the day is debt reduction, you may decide to cut up all but two or three credit cards and cancel some of your open credit accounts (be sure to cancel the most recent cards first and keep the cards you’ve had for five years or longer in order to maintain the longevity part of your FICO—Fair Isaac credit score).

Don’t procrastinate. Do this during this “work” part of the workout. This will help minimize the temptation to procrastinate on the practical aspects of your workout and also keep you on track with your goal for the day. If you don’t have any outside work to do during this time, then feel free to expand your discussion from step 3 in order to reach closure on your topic of the day.


5. Congratulations Cool Down (5 minutes)

Sit back and grab a glass of something cool to drink and reflect on all you’ve accomplished in just one hour! You started on a positive note, and you’re going to end on a positive one as well. If this is an individual workout, tell yourself something that is truthful and encouraging. For example, “I finished the first hour, and if I continue to do this workout, I will master this topic.”

If you are working out with someone else, then take this time to tell your partner one thing that you appreciate about today’s workout to end the discussion on a positive note. For example, you can say, “I noticed you gave my ideas a lot of respect. I appreciate that.” Or, “When I got upset and started to cry, I appreciate the way you weren’t condescending. Thank you.”

Keep in mind that just as you don’t get physically buff after one workout, your finances aren’t going to be in perfect shape after this first effort either. So during this step you will set the topic and the time for your next workout. Maybe you’ll have a continuation of today’s workout, or maybe you’ll look at a new area. Whatever the case, decide what you’re going to cover next time and put it in writing. After you and your mate have exercised with this money workout a half dozen times, you’ll find yourself stronger, smarter, and sweeter.


Workout
Tip Sheet

At the end of every chapter is a “Workout Tip Sheet” that you have on hand to help facilitate the workout and keep it flowing, without wasting time to look back and forth in the chapter. Here’s a sample Workout Tip Sheet.


1. Make-Up-Your-Mind Warm up (5 minutes)

• Say something positive.

• Commit to work on the topic.


2. Strength Training (10 minutes)

• Write down realistic short-term and long-term goals.

• List means of overcoming obstacles.


3. Cardio Burn (20 minutes)

• List specific steps to accomplish each goal and delegate

responsibility.

• Research topical tools at www.elliekay.com.


4. Take Your Heart Rate (20 minutes)

• Implement work on each specific step.

• Fill in facts and figures.


5. Congratulations Cool Down (5 minutes)

• Say something positive.

• Set topic for next workout.