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s he began his conversion back to the faith, he desired to follow God but was still unwilling or afraid to let go of the comforts and pleasures of his current lifestyle. Many people approach the idea of generosity in a similar way. We see generosity as a goal, but we aren’t ready to commit to actually giving up our time, talent, or treasure.
goals are competing against each other? Are you trying to pay off credit card debt, student loan debt, car loans and a home mortgage while at the same time trying to save for retirement? And don’t forget about that long overdue vacation!
ect. The fresh start effect refers to our inclination to wait to take action towards our goals until a key date…like New Years. With New Year’s right around the corner, it may be time to leverage the fresh start effect and give thought to taking on some new money habits. 
Compass Catholic is a nonprofit ministry that runs on a combination of books sales and donations. For that reason, I spent part of this past weekend preparing our Giving Tuesday Plan to increase our donor base. Our Core Values dictate that we don’t have affiliate agreements and we don’t recommend any financial goods, products, or services to monetarily benefit the ministry so as to remain completely unbiased. For that reason, we are only funded by book sales and generous donors. Our books and Bible studies have affected thousands of people around the world. We need these financial disciples to consider Compass Catholic in their generosity plan. 
One of the things we hear most often from people who take the Faith & Money Matters Bible Study is “I wish I had learned this earlier.” It's crazy that we as parents don’t do a good job of teaching our children financial basics. How to manage money is something that every single person needs to fully comprehend. If you struggle with money, you will struggle in life. Many of us have learned this lesson the hard way.