Life of an Internet Entrepreneur

My wife and I began our married life in a lovely home, a duplex just over 1000 square feet, with 2 bedrooms, 2 bathrooms, a good sized living room, kitchen, and a garage. We lived in a nice neighborhood with plenty of good places to walk our small dog.

I earn a good income as the Marketing Director and partner in a web development company in Jasper, Indiana. On the side, my wife and I have several successful niche projects that bring in regular income as well.

I have debt, though.

You see, in the years proceeding married life I had failed to develop positive habits of money management. I was convicted on it, somewhat, but the conviction rarely led to action. I was making more money than a lot of young people my age and, unfortunately, I wasn’t taking good care of it. For a long time, my sense of budgeting was, “Oh, I’ll just make more money..”. Friends and family tried to encourage me in a better direction but I wouldn’t let it all sink in.

And so, as a young unmarried man with good income, I began acquiring credit card debt like there was no tomorrow. After all, I reasoned, I’d be paying it right off. 3 years later, I am still paying it off and I’ve spent thousands in interest. Not a very wise use of funds.

As a married man, though, I’ve been humbled and, thankfully, begun to realize the great responsibility I have to wisely manage the income I’m blessed with. I’ve also been convicted that I should not be carrying around this high load of debt and have begun working extra hard to remove it from our lives. My dear wife has been very loving and supportive through it all and, bringing no debt to the marriage, has accepted my debt as her own and is working with me to take it off our shoulders.

Early in 2008, thanks to the support of a dear friend, I stopped using credit cards entirely and even gave them into my friend’s safe keeping to ensure that I wouldn’t yield in a moment of weakness.

It was hard..

At one point, in a crisis with no savings in the bank and a wedding in just a few short weeks, I took my car to the bank to apply for a loan. Providence opened the doors shortly thereafter that I didn’t need the loan, but “wow” was that a wake up call. Credit cards had given me so much “safety” and, because of that safety, I’d never really had to feel what it was like to experience financial difficulty.

That brings us to today.

With a family of 5 (2 adults, 1 dog, 1 bird, and a fish) to provide for, my wife and I have decided to turn up the heat on our finances and practice an even tighter level of economy. We’re working hard to cut out all the “extras” in our life and, as a big part of that, we’ve made the difficult decision to “downsize” our home.

Now, we’re looking at a much smaller home (Single bedroom, 1 bath, no garage). We’ve yet to see how it will all work out, but the principles are in place. Dave Ramsey has a quote from his book, The Total Money Makeover: A Proven Plan for Financial Fitness (highly recommended), which goes as follows:

“If you will live like no one else, later you can live like no one else.”

So, we’re learning our lessons.

We moved to cash spending and started an envelope budgeting system and, though there have been some challenges, we’ve found it to be a solid step in the right direction for us.

Look forward to more posts on the subject, especially relating to “fighting debt”.

Have a wonderful rest of the day,

Jonathan Wold

Something clicked. On a brief walk in the early morning open-air, I ran through the possible topics for this morning’s entry and settled strongly on “scheduling”. On my return, I sat down with God for a few moments and, for the first time in a long time, broke down the remainder of my morning into a schedule.

I’ve been following some of the principles of more efficient time management for awhile now, but until this morning, they just hadn’t been brought together.

Last weekend I joined several of my close friends and family on the last Sabbath of Indiana family camp. While my wife and I had only been able to make it for one day, several of our friends and family members had been there for the days prior. During those days, they’d each been inspired on the topic of time management and scheduling. As a result, upon their return home, they began putting the principles into practice and working to set themselves and their homes on schedule. Their enthusiasm planted seeds of inspiration in my heart also.

A few months ago, my dear wife had put a lot of thought and energy into a schedule for our family which we then proceeded to follow faithfully for about 2-3 days. A busy school life and the slant towards unpredictability that newlyweds are often prone too was set against us and, though we recognized the definite importance, we let our schedule slide.

How many of you have experienced that before? Why is it that time management seems so difficult?

Several years ago (and a few of you faithful readers may recall this) I put a lot of energy into a “mastery of time management”. I had good intentions and did make apparent progress, but I was lacking a few critical ingredients.

As a Christian I now understand it my God-given responsibility to be a good steward of the time and energy He’s given me. To experience continual success, as a husband and as a businessman, I must be a master of the time God has allotted me and not a servant to it.

It’s quite a challenge. It can and must be done, though.

Here’s an outline of the schedule that I’ve set this morning.

4:00 AM - Arise and shine. Get up and begin my morning prayer and study time.

5:00 AM - Prayer and study ends. Go for a short walk. Return and plan the remainder of the morning.

5:30 AM - For the next 2 hours, my time is spent between answering emails, blogging, and working on side projects. Over the next few weeks, I will continue to focus on improving how this particular block of time is spent.

7:30 AM - Walk with my wife.

8:00 AM - Breakfast and preparation for work. Leave around 8:40.

9:00 AM - After prayer, work begins at our office in Jasper, Indiana.

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Getting up at 4 AM can be a challenge my friends. Some of you have tried it and, like me, after a good night’s rest, wouldn’t ever think of starting your day another way. Even with good intentions, though, and a recognition of the potential that the early morning offers, it’s not an easy thing.

Each night before going to bed, I pray that God would wake me up the next day and, very importantly, that He would give me the desire to get up. The warmth of bed is inviting when your eyes first open, especially on these cold fall and winter mornings. If I don’t get up immediately, my eyes will close and I will sleep.

God has never let me down. He always seems to know exactly how much sleep I need. Since I began the habit 2 years ago, even on days when I had early morning appointments, I have never had to use an alarm clock. There’s something jarring and unhealthy about the alarm clock suddenly pulling us out of restful sleep into a state of unhappy alertness. In my study of the Scriptures I found testimonies of others that relied on God to wake them up morning by morning (Isaiah 50:4) and I decided to exercise that same faith and rely on God to wake me up. Alarm clock free for all this time, I get much better sleep and no longer dread the early morning hours. Try it and see for yourself.

And with that, I’m off to start on my next morning project. I’ll continue to keep you posted on my progress with scheduling and I look forward to hearing your personal reports as well.

Have a wonderful new day,

Jonathan Wold

As a happily married man of nearly 5 months now, it’s been a struggle to maintain a consistent sleeping schedule. It has been a happy give and take between time with my wonderful wife and time sleeping. I’ve known all along, though, that in the long run, if I don’t take the time for rest that I need, time with my dear wife will suffer.

Over the past few weeks, we’ve been working together to bring consistency to our life. While we continue to be flexible, we tend towards a bedtime of no later than 10:30 and, ideally, closer to 9:30.

With my work as a partner in a development and niche marketing company, several side projects, work in my local church, and a family of my own, finding time for blogging, etc., unless I have control over my time, is impossible.

Here’s how a typical day will go.

I wake up, without an alarm clock, around 5-6 AM. I get up, drink a full glass of water, and then go into our guest room/office and spend time in Bible study, inspirational reading, and prayer. 45 minutes or so later, I close my time in prayer and then begin tackling the day. I’ll divide my time between answering emails, blogging, and working on side projects. This will typically go on until it’s time to eat and get ready for work. Depending on our schedule that morning, I’ll eat breakfast with my sweet wife, spend a bit of time together, and then off I go to work.

On some mornings, I’ll tune in to a message on audioverse.org while washing the dishes or doing some other general cleaning around the house. My wife takes excellent care of our home and helping out every now and then when things get backed up is the least I can do.

So, is it worth it?

Yes! A thousand times over, yes!

That extra time in the morning makes all the difference my friends.

In just the past few weeks, as I’ve had the extra time, I’ve been able to learn more, to move forward on my side projects, and be better prepared for the day’s work.

If you are already an early riser, I encourage you to keep it up. I’d love to hear your personal experiences.

If you’re not yet, how about giving it a try? It’s not an easy thing if you’re unused to it. I know what it’s like to be up till 2 AM and sleep till noon. It’s a hard cycle to break and for some it’s easy to decide that “Well, I’m just not a morning person”. It’s a habit, though, and like any other habit, old ones can be broken and new ones formed.

As I grow older and responsibilities increase the desire to have a mastery of my time and health continues to grow stronger. And as I am learning to control my time and keep priorities straight (God, family, work, ministry, side projects), I’ve been blessed with good health and success in the work that I take on.

I have much to learn and I look forward to more trials and a greater depth of experience.

Have a wonderful new day my friends.

Jonathan Wold

I changed the design on my blog this morning. It took a bit of time and I’ve still got a ways to go, but we’re nearly there. A huge thanks for the excellent work of Chris Pearson as his Cutline theme.

Using the design work of another has been a “no no” in my mind for a long time. Why? Well, why not just do it myself?

And that’s what I’d done.

The previous design of this blog had been put together by yours truly and it had taken me quite some time. I worked hard at it and had some positive feedback.

Design isn’t my strength, though. God has given me talents and abilities in other areas and rather than letting pride hold me back, I’ve stepped forward to make the most of the talents that God has blessed others with. If I had the time, I’d be interesting in learning more and putting the energy into an original design. The time I do have, though, needs to be focused on using the gifts I already have, working to improve and sharpen them.

I finished a book by Ben Carson this morning entitled “Gifted Hands: The Ben Carson Story“. I highly recommend it.

In it, Ben talks about the importance of “THINKing BIG”. He encourages us to begin with determination and the full use of the gifts God has given us, then to go on for training and a sharpening of our skills. Look at the obstacles in life as hurdles, not barriers. Each hurdle conquered prepares us for the next.

In our business, we encourage each other to focus on our talents and work towards mastery. Making the decision to use an existing WordPress theme helped me clear up the block my “old design” was giving me and focus on writing once again. I was reminded to practice what I preach.

Have a wonderful rest of the day,

Jonathan Wold

Dear Readers,

It’s been some time since my hands have given expression to thought on this humble blog. I’ve contemplated new posts every now and then and, in one case, even began preparing a first draft. I didn’t finish, though, and a busy life provided little opportunity to think about blogging let alone to blog.

An email changed that, though.

I received an email letting me know that a sponsor was willing to pay for a new post on my blog. The sum of money was what I’d originally asked for when joining the service a year or more ago. I’d intentionally set it high as I hadn’t fully decided whether “sponsored reviews” was a direction I wanted to pursue.

That email got me thinking. Initially, I said yes. I’d looked over the site and, contrary to finding anything objectionable, found it interesting enough. With little time on my hands between family, work, and a few side projects, though, I hadn’t actually had time to write the review until this morning, a few days before the deadline.

I took a short walk before sunrise this morning and after asking God for wisdom, I came to my decision. I wouldn’t write the review.

Integrity is crucial. Those who requested the review had, understandably, requested that I not mention it being a paid review. That could easily lead my readers to believe that it was a personal endorsement when, in actuality, had it not been for the offer to be paid, I wouldn’t have written about this particular site.

So, it was a simple decision. The small sum I’d make upfront wasn’t worth the risk of losing your trust.

And, there was an added blessed in all this..

I’m blogging again :).

Have a wonderful rest of the day and look forward to more.

Jonathan Wold