Dear Chuck, I maxed out our credit card for some unexpected home repairs, including a new HVAC. The interest rate is ridiculously high since I did not pay it off last month. I’m considering using a HELOC to pay off the credit card. Is that a good idea? Worried About My Credit Card Balance […]
Dear Chuck, I know all the steps to financial health. I’m just experiencing extreme frustration because of such slow progress. We were making headway until the price of gasoline jumped; now everything seems to be falling apart. I’m tempted to just trash the family budget completely and do the best I can month to month. […]
Dear Chuck, I’m in my 40s and have put off saving for retirement. My current job offers an employer-matched 401(k), and I’ve been advised that it’s foolish not to participate. I’m afraid to make automatic deductions in case money gets too tight. Should I do it anyway? Contribute to My 401(k) Dear Contribute to […]
Dear Chuck, We were hoping to take a vacation this year, but we really can’t afford it. Any ideas on ways I can avoid disappointing the family? Vacation on a Limited Budget Dear Vacation on a Limited Budget, The Bible records that God rested from His work. If He needed to rest, we certainly […]
Dear Chuck, I’m what you’d call a “soccer mom.” We have three kids, and I feel like I run a taxi service for all their sports. Our health insurance is going up, gasoline prices are up, and groceries are killing our budget. I doubt we can afford a bigger house now that interest rates are […]
Dear Chuck, Is there such a thing as depression brought on by financial stress? We have reached midlife and have very little to show for it. It seems we had money but not enough common sense to set some aside for our retirement years, which are quickly approaching. Depressed About Our Finances Dear Depressed […]
Dear Chuck, We are juggling careers and family and cannot find the time to cook at home. We are spending a ton of money eating out or ordering meals to go. It is getting ridiculously expensive. My husband and I know we have a problem, but we can’t seem to change our habits. Eating Out […]
Dear Chuck, My husband and I are 28. We would love to start a family, but I don’t know how we can afford it, even with both of us working. Do you have a financial plan for starting a family? Yearning for Children Dear Yearning for Children, Thank you for your question and desire […]
Dear Chuck, My husband and I are both 29 with no children yet. We have about every form of debt you can imagine—student loans, car loans, credit cards, etc. We have tried a few programs unsuccessfully. Can you tell me what will really work to get us out of the deep hole that we have […]
Dear Chuck, Have you ever written anything to address the “financial grumblers”? I don’t think they know their Bible very well. Call Out the Financial Grumblers Dear Call Out the Financial Grumblers, Not only have I never written on this topic, but I have also never heard the term before. I quickly thought of […]