The Shepherd's Guide through the Valley of Debt and Financial Change: A Comprehensive Manual for Financial Management, Counseling and Spiritual Guidance
by Flora L. Williams, PhD, MDiv, RFC
Chapter Summaries and Outlines (The first 9 chapters of 14 chapters. Write florawill@aol.comto get complete detailed outline - all 14 chapters).
Introduction
Following the Master Teacher
Pioneering the Path
Education and Training
Seeking the Lost and Healing the Broken
Responses to Questions before Becoming Shepherds of Financial Management
1. The Shepherd's Guide to Financial Faithfulness
Righteousness
Faithfulness & A Litany — The Good Fight of Faith
The Great Shepherd's Call & Urgent call
Restoring the Financial Professional, Pastor, Compassion Minister, Educator, Financial Counselor, Mentor. Outreach Director, Helping Professional, Group Leader and Trainer, Financial Counselor, and Money Coach as Shepherd
The Great Shepherd Walks with Shepherds in Financial Issues
Equipped to Answer the Call
Goals for Counseling in Financial Management
Opportunities for Financial Counseling and Education toGive Hope
Practice M's of Financial Ministry
Family Economics Framework for Guiding Faithfulness
Outcomes and Results of Financial Activities
Flow Model of the Family Economy showing Influences
New Purposes and Rewards from Financial Management
Step One is Setting Goals and Outcomes
2. The Shepherd Tends to Those in Financial Management Steps and Crisis Intervention
Financial Summary and Plan
Financial Management
Steps in Financial Management
Cash Flow Analysis
Financial Counseling and Education
Financial Management Counseling Areas
Financial Management Recommendation Checklist
Counseling Techniques in Financial Management
Questioning and Listening
Questions to Ask
Why People Do Not Listen
Supporting the Dream
Summary
Crisis Intervention Management
Illustrations of Financial Crises
Budget to Control the Bleeding
Time is of Essence
Technical and Spiritual Responses
Need for Warning
Prayer for the Journey to Financial Recovery
3. In The Valley of the Shadows, Financial Management in Times of Distress
Walking In the Storms - Symptoms of Financial Distress or Disorder
Fear Abounds
Financial Management Principles Inferred by Real People
Living Above One's Means - Means Reality or Trouble
Walking through the Valleys to Blessings with Mentor Programs
Resource Power for Those Who Have Lost a Job
Getting a Job or Position with the Shepherd's Guides
Handling Office Politics — The Shepherd's Guide
Transition from Homelessness or Midlife Crisis
Referring
Prayer
Financial Fitness and Faithfulness: Change Exercises
4. Paths to Righteousness in Budgeting and Spending Plans, Analyzing Expenditures
Budgets or Spending Plans
Analyzing and Questioning Expenses for Changes
The Can Plan
Moving Out to Independence with Choices
Financial Management Notebook System: Plan, Control, Record, and Evaluate
Plans or Budgets Geared to Priorities for Determining Income Needed
Techniques, Tricks and System that have Worked for the Manager
Cash Flow Analysis
Shepherd's Guide for Counseling and Crisis Intervention Sessions
Financial Planner's Guide: Financial Assessment and Planning
5. Call to Change Financial Management through Counseling Paths
Underlying Emotional and Social Problems in Financial Management
Love-Based Approach: A Spiritual Program of Recovery
Group Benefits
Financial Management to Change Cognitive Behavior
Facing Reality and Responses to Counselors about Financial Management
Recommendations to Change Based on Knowledge, Willingness, and Ability
Techniques for Overcoming the Barrier of Identity
The Challenge
Prayer about Change: "Serenity Prayer"
6. Financial Management Unique to Life Stages
Decision-Making
Singles Labeled as "Independent Stage"
Beginning Families Labeled as "Adjustment Stage"
Young Children "Accumulation"
Grade School and Junior High Children "Expanding Stage"
High School Youth "Middle Stage"
Divorce Decisions
Remarried or Blended Families "Readjustment Stage"
Older Youth "Launching Stage"
The Shepherd's Role with Youth, Wanderers, and Nomads
College or Trade School Decisions and Encouragement
Funding College or Trade School
Retirement Decisions "Contracting OR Expanding Stage"
After Retirement "Senior Stage"
Stage of the Final Journey - Funerals and Memorials
Communicating the Move for Parents, Changes and Fears: An Interview
7. The Shepherd Marries the Couple: Premarital Counseling for a Journey of Love and Business, Communicating About Money
Theology for the Journey, famnily economic issues, practical commitments
Premarital Counseling in Financial Management
Building Blocks for a Foundation for the New Love Union & the New Business
What is Wrong with the Following Actions?
Are You Ready for Love and Economics? Where is Development Necessary?
Reality Game for Real
Choosing a New Household Management System
Communication Comedy in a Real Couple
Choosing Between a Christian and a Conventional Marriage
Ten Tips to Help You Talk to Your Honey about Money by S. Solomon
Managing Disagreement and Conflict Over Money Within Couples by S. Danes
The Two-Way Part of Difficult Communication
Showing Respect in Communication
Make Criticism Productive
Silent Communication
Position Yourself in Your Circle of Influence
Managing Disagreement & Conflict over Money — Worksheet 1 and 2
Nature of Money Disagreements and Conflicts
Prayer
8. Leading to Greener Pastures and Still Waters through Financial Management
The challenge on the path is to maximize income, know buying principles, be aware of rising expectations during decreasing real income, reduce expenses, shop efficiently, and be aware of the wolves. Tools for acting as wise as serpents in decisions about housing, energy use, insurance, food, and others are identified.
Hazards Along the Way
Hazard on the Road — The Wolves
Preventive Action
Friendly Persuaders
Elderly Abuse
Saying "No"
Rapid Response if Victimized
Hazard on the Road — Insurance & Choice of Deductible for Car Insurance
Hazard on the Road — Change in Business Cycle,
Divorce Insurance
Diversification of Income and Savings or Investment
Credibility Insurance
Income Needed Along the Road
Community Resources as Expanded Income
Tax Credits and Breaks
The Challenges in Spending
Comparing before Buying or Traveling
Comparing Total Costs: Interest, Upkeep, Utilities Over Time
Principles of Buying
Analyzing and Reducing Food Costs
Child Care Arrangements
Analyzing and Reducing Transportation Costs
Analyzing and Reducing Housing Costs
How Much House Can One Afford?
Initial Cost of Home Ownership
Reducing Closing Costs
Down Payment Possibilities
Prepayment of Mortgage Decision
Energy Use and Reduction
Housing Cost Reductions
Steps to Meet Threats of Foreclosure
Proceeding with Consumer Rights
Communication in Uncertain Times (A Summary)
9. Not Enough Pasture for the Poor With Us
Shepherd's Role — Anointed to Give Good News to the Poor
Definitions of Poverty
Who are the Poor Among Us?
Discrimination or Insensitivity
Single Parents
Intervention in the Poverty Cycle
The Shepherd's Intervention in the Poverty Cycle
The Shepherd as Part of a Team
Referrals
Invitation and Assistance
Government Intervention in the Poverty Cycle with Programs
Income Sources and Resources
Educational Intervention in the Poverty Cycle
Employment as Intervention in the Poverty Cycle
Mobilizing Resources
Mobilizing Resources for Marvin
Setting Policies about Giving to Strangers and Members
Sharing Church Resources
Sharing the Gifts
The Shepherd Guides in Counseling
Conversations that Count, Cure
Responsibility with Money Issues
Spirituality, Hope, and Welcoming
Shepherds Meet the Challenges with Diverse Programs
Scenarios for Education and Action
WIC — Women, Infants and Children — A Case Study
The Prisoner and the Sentenced Family — A Case Study
Salvation Army Fights Poverty
Ryan Works with Homeless Children Who Teach Him
Prayer Led by James 1 and 2
10. Out of the Snares of Spending and Gambling Addictions
11. Caught in the Thickets of Credit and Debt
12. Light Side of the Money Trail - Saving, Investing, Retirement Planning, Estate Planning
13. Sharing the Pasture - Generosity and Stewardship
14. Spirituality of Financial Rebirth
