A tactic is a method employed to help achieve a certain goal.
Unlike strategy, which inherently creates its own autonomous space, a tactic is a carefully calculated action, organized and deployed with thought and precision.
One can have a strategy on how to live life through a job and gain their dreams, but that involves chaos and quite a bit of "hit or miss" luck. A tactic, on the other hand, has clear definitions to identify weaknesses and build on strengths.
Having a clear method, a tactic, to achieve your financial goal, is the only way to support yourself and your family. Living on a strategy is too obscure and unpredictable. Your closet is full of useless strategies that never made you any kind of financial gain.
Have you met anyone lately:
- who has all the money they need?
- who can pay all of their bills on time?
- who can pay for sudden expenses easily, like:
- the refrigerator breaks down
- the car transmission blows
- you know, those mishaps that keep you from getting your head above water
You can't find too many people who don't live paycheck to paycheck!
Even most who have high salaries live above and beyond their means. Have you ever said to yourself, 'if only I had that kind of money, I'd...' but would you be able to handle more money without falling into the same old trap?
Tactical Financial Management (TFM) comprises the basic principles needed by everyone to gain Financial Freedom and Debt-Free Living. TFM identifies the errors you've been taught about spending and saving. TFM teaches you about debt, about enough, and about money management. TFM guides you to set goals by setting limits to achieve those goals.
TFM is not a budget program.
If you can't handle what you have now, how can you expect to handle more! You'd still be living above your means - even if you got that raise, or that new job - you'd still be in debt to your eyeballs, with the same old stress of owing, owing, owing, looking for answers elsewhere instead of in what you have right at the moment.
TFM makes you define what you have.
Properly managing our finances is always difficult - managing when you don't have enough to meet your needs, AND when you have abundance can be a huge undertaking, and if not handled properly, will always cause a loss or waste.
TFM makes you find that waste.
TFM is designed to instruct you in the proper planning of your God guided goals, so that you can achieve all of your dreams God's Way -- and after that, achieve even more than you ever thought possible!
TFM makes you identify your dreams.
Scripturally, you should IN-crease, not DE-crease.
So what do you do wrong?
TFM is not an investment program.
TFM is not a real estate program.
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TFM is a course, Holy Spirit inspired, tested over a 5 year period by the founder – Ray Smit – and has been applied both by himself and by his clients in many different households and businesses over that time.
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I am a qualified accountant and thought I knew a thing or two about money, but [in 2001] I was awakened by the Holy Spirit to the fact that I was an unworthy human being. He said I had not looked after anything that He had provided for me in nearly 16 years of being in business and He said that I should basically catch a wake up!
When God talks to you, you better listen and so I said, “OK Lord, so what must I do?”
His response was to take me on the most amazing and enlightening journey through His concepts of finance and money. This journey has been translated into a course that I like to call a ‘Tactical Financial Management’ as you make use of God Tactics to mange your finances INTO LINE!
~ Ray Smit
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The course comprises the following basic aspects and modules:
- The defining of a concept called “What is Enough”
- The principles of “Stewardship”
- The application of a God designed cash flow and budgeting plan called the “Time Line Manager program”
...and bringing all these concepts into balance with each other.
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Commit your works unto the LORD, and your thoughts shall be established!
(Proverbs 16:3)
In paraphrase means: First, find out what God has to say about managing your money. Then, commit your management to His way of doing things and establish the discipline He designed.
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TFM is the only tool ever designed to help you truly understand how to manage your finances. It is not a budget planner... budget's don't work.
TFM is a Life Manager.
TFM is designed to be the tool that enables you to properly work with your money over a period of time to both get out of financial bondage, as well as then go on to meet your dreams. It is written as an Excel spreadsheet and computes all your balances automatically. A manual explaining how to use it, is included with the program as well as a sample spreadsheet.
TFM works IF it is worked!
Ray Smit was born in South Africa in 1962 and went to school and university there. He is a qualified Chartered Accountant (CPA for the USA) qualifying in 1987 and has been running an accounting and audit practice since then.
