Category Archives for "How to Get Out of Debt"

The First Step to Financial Freedom

Have you been waiting to make a budget until you make just a little more money? Maybe you have good intentions to start saving for retirement, but it just hasn’t happened. Debt has a way of accumulating quickly while we work to develop a plan to pay it off. Can you identify with any of […]

How to Use the Envelope System

The fundamentals of budgeting are simple – know where your money is going so it serves you, not the other way around. When you have your finances in order, you are better able to be used by God to accomplish great things for the Kingdom, and keeping a budget is the best way to do […]

How to Make a Budget

Did you know that tracking your spending and creating a budget can be freeing and actually bring peace? A budget empowers you to know exactly where your money is going and helps you reach your financial goals. When you use a budget, your money starts working for you, not the other way around. Contrary to […]

How to Get Out of Debt

how to get out of debt

It’s been said that paying off debt is like eating an elephant – it can only be done one bite at a time. But getting started can seem daunting and overwhelming. Knowing how to take the first bite can prevent many from starting altogether. Of all the people I know who have gotten out of […]

5 Steps to Stop Losing Sleep Over Money

Dear Chuck, I’m losing sleep over money worries. Seriously. Sometimes the stress of figuring out how to balance debt, bills and life is almost more than I can stand. Where do I begin? Sleepless in America   Dear Sleepless, I know how you feel. I was once there myself during a time when I had […]

4 Steps to Get Out of the Debt Cycle

Humorist ‘Kin’ Hubbard once said, “The safest way to double your money is to fold it over and put it in your pocket.” Apparently Americans haven’t taken his advice. It is no longer any surprise that a significant number of Americans are living paycheck to paycheck. Sadly, research reveals that Americans are burdened with nearly […]

4 Better Ways to Use Your Tax Refund

Dear Chuck, Procrastinators Unite! This weekend, my husband and I will be crashing on our tax returns, due Monday, April 18th, and we’re hoping to receive a return. What do you suggest we do with the money?   Procrastinator Dear Procrastinator, It is never best to wait until the last minute to do your income […]

3 Surprising Steps to Getting Out of Debt

Originally posted on the Christian Post on February 24.   Dear Chuck, Credit cards are killing me, and it feels like getting a handle on money is some kind of 12-step program. Where do I begin? Feeling Overwhelmed. Dear Overwhelmed, Well, I have some good news and bad news. The good news is that it’s […]

Can You Pay for Unexpected Expenses Without Debt?

Jill Cornfield at Bankrate.com says the most common surprise expenses are related to vehicles, appliances, home-repairs, injury or illness. Unfortunately, nearly 6 in 10 Americans don’t have enough savings to cover an unexpected bill of $500. This is a problem across our nation. When people pay with a credit card, the original expense can grow […]

Church vs. Credit Cards

Originally posted on the Christian Post on February 3.   Dear Chuck, I need some help. I am a 50 year-old widow with a teenager at home, and I’m using credit cards to survive, drowning in late fees. I am over extended and miserable. My income cannot support my obligations so I decided to find […]