4. Health Loose weight Exercise regularly Eat healthy Stop smoking, drinking, etc.

5. Financial Management Start budgeting Get out of debt Start saving Save for retirement

6. Personal Growth Improve relationships Self-improvement Start a hobby Read more

7. Spiritual Growth Daily devotions Read Bible Deeper prayer life Witness more Give a Bible study

8. To Achieve Your Goals Formulate a plan with goals Write it down & post it Tell others – be accountable Don’t quit

9. Time Talents Treasure

10. Time Talents Treasure

11. A Full Hearted Commitment

12. My Next Step: I will… increase my time with God return a faithful tithe and offering use my talents in serving God & others give my whole heart to God

13. Romans 12:1-2 Therefore, I urge you, brothers and sisters, in view of God’s mercy, to offer your bodies as a living sacrifice, holy and pleasing to God—this is your true and proper worship. Do not conform to the pattern of this world, but be transformed by the renewing of your mind.

14. Matthew 6:20-21 Store up for yourselves treasures in heaven, where moth and rust do not destroy, and where thieves do not break in and steal. For where your treasure is, there your heart will be also.

15. Matthew 6:33 Seek first his kingdom and his righteousness, and all these things will be given to you as well.