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Medical Debt – Part 2

Medical debt is rising. According to the Consumer Financial Protection Bureau, medical collections appear on 43 million credit reports. They account for $88 billion in medical debt. Yet research shows that medical debt does not predict a person’s credit risk. In fact, beginning July 1, Equifax, Experian and TransUnion will no longer include medical debt that […]

Sugar, Discipline and Financial Goals

Needing some self-control to manage your money? Years ago, I was frustrated with my physical condition. I knew I could do better with a little discipline. So, one January 1st, I resolved to eliminate all sugar from my diet: no desserts, no candy, and no sweeteners in my coffee. I learned to say no to […]

Savings Day – Be Intentional

Are you intentionally trying to save more money? Benjamin Franklin knew what you save is just as important as what you earn. He said it this way, “If you would be wealthy, think of saving as well as getting.” Long before he suggested this, the Bible offered the same advice, which is why Christians should […]

Savings Day – Meet Goals With Saving Challenges

Did you know you’re a manager of God’s stuff? It’s required in stewards that we be found faithful. That means knowing what we’re supposed to do and following through with that knowledge. God’s provided plenty of instruction because He loves us. We can study the Bible to learn what our management should look like. One […]

Savings Day – Trust While Saving

Are you depending on God or your savings account? For many people, credit’s a necessity and debt’s a way of life. The Bible shows a better way. Proverbs 21:20 says: “Precious treasure and oil are in a wise man’s dwelling but a foolish man devours it.” Often, we simply lack the self control to make […]

Savings Day – Prepare for the Unexpected

God cares about your finances!  Proverbs 21:20 says “The wise store up choice food and olive oil, but fools gulp theirs down”. God also commends the ant for storing up food during times of plenty. See, saving is an example of God’s grace in action. God wants us to save for the unexpected so we’ll […]

Savings Day – Find a Bank for Savings Accounts

Is your savings account growing?  A savings account is essential for setting aside emergency funds. Bankrate.com lists banks they recommend and simple tips to finding one that fits your parameters. Make sure you have enough money to open and maintain a minimum balance requirement. Does the bank charge account fees? Don’t let monthly maintenance fees consume the […]

Savings Day –Trust the Provider and Save Wisely

Building your emergency savings account?  Covid has revealed the importance of having an emergency fund. Here are a few of my suggestions: • Every dollar counts. Compare banks to see who offers the best rates. Take advantage of sign-up bonuses. • Maintaining a minimum balance and making direct deposits can eliminate existing bank fees. Remember, for […]

Prudent Living

The Bible advises us to operate with prudence so we wisely choose the right path to a worthy goal. The prudent don’t live at the mercy of their circumstances. They wisely prepare for the days ahead.  Like airline passengers, they buckle their seat belts upon hearing, “Ladies and Gentlemen, we’re expecting turbulence ahead.” The pandemic […]

Get Ahead of Inflation

If you’re concerned about inflation, it’s time to get ahead of the problem.  Years ago, my wife and I lived in “tornado alley.” One afternoon, alarms sounded. Clear skies turned dark, the wind howled and serious danger threatened our lives and property! We took swift action and followed safety protocol. Thankfully, the tornado passed over us […]

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