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Pugh Financial Coaching

When the New Year Motivation Wears Off | Monday Push


Hebrews 12:11 Newsletter

Hello Reader,

A person without self-control is like a city with broken-down walls. -Proverbs‬ ‭25‬:‭28‬ ‭NLT‬‬

January is almost over. The excitement of a fresh start is fading, and now we’re entering the part of the year where consistency matters most.

Will you reach the goals you set at the beginning of the year? Time will tell.

Last week, we talked about getting back up—because some things are in our control, and some things aren’t. You’ve probably heard this before: "Life is 10% what happens to you and 90% how you respond." -Charles R. Swindoll

When it comes to financial freedom, the advice sounds simple:

  • Spend less than you earn
  • Don’t use credit for things you can’t pay off
  • Save or invest 10–20% of your income
  • Pause before big purchases

Simple—but not easy.

Why is it so hard? Scripture gives us the answer: self-control. Most of us, myself included, struggle here. We want what we want, and we want it now. Waiting feels uncomfortable, especially as income grows and temptation grows with it.

Giving in can cost more than money. It can cost peace, time, relationships, and even our health.

Let’s commit to doing the work all year long—not just when the year feels new.

If you’re realizing you could use support staying consistent, I’d love to walk alongside you. I’m hosting a free coaching session on February 4th, where we’ll talk through practical steps and realistic habits you can carry throughout the year.

Reflection Question
Which area of my finances do I need God’s help to practice more self-control?

Prayer of the Week
Dear God, show me where I need greater self-control. I trust You to help me grow in these areas because I cannot do it on my own. In Jesus’ name, Amen.

Have a great week!
-Latrisa

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Elevation Worship - God I'm just grateful

Pugh Financial Coaching

I help Christians reduce their financial stress by improving their relationship with money. It is at that point they are able to make better decisions daily so they can live the best version of their life.

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