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Buying A House?

Thinking about buying a house? Homeownership is on the rise in different parts of the United States. The historic low mortgage rates, pandemic fears, and the current flexibility of remote work is propelling many to buy. Your mortgage, insurance, taxes, maintenance, utilities, and association fees should not exceed 30% of your income. Before buying, pay […]

Gig Economy “PSA”

If you’re a freelancer, work for yourself, or run your own company, I have some tips for you. First of all, budgeting as a freelancer can be especially difficult. You may not have steady income, so it’s best to base your budget off a monthly average of what you earned last year. Also saving for […]

Savings Day – Borrowing From Your 401K

It’s Build Your Savings Day! A listener asked if she should use a low-interest credit card or borrow from her 401(k) to replace her air conditioning unit. I recommend that she make repairs to keep it running through the summer, then save to replace it. If that’s not possible, she should study the market. Costs […]

Savings Day – Unexpected Expenses

It’s Build Your Savings Day! Last month my youngest stopped in at a local automotive service chain. He told them his car was making an odd noise and asked if they would analyze it. $800 dollars later, he drove off with new brake pads, rotors, and a wheel bearing but the noise was gone! Do […]

Abound in Hope

Are you worried about money? The Coronavirus, one of the most disruptive events in our lifetime, has revealed America’s financial preparedness. Many are frightened, angry, and frustrated. The uncertainty of this time is an opportunity to trust the Lord more than ever before. So live one day at a time, by taking one step at […]

Savings Day – Dollar Diet and Rounding Up

It’s Build Your Savings Day! Use the “dollar diet” method of depositing money that you don’t spend each week. As your savings grow, I hope you’re gaining confidence and motivation to find other ways to cut spending and to put more in savings.  Here’s another tip. When making deposits, round up to the next ten […]

Savings Day – Don’t Presume on the Future

It’s Build Your Savings Day! Are you preparing for your future? 55% of current workers plan to stay on in retirement either full or part-time. However, we can’t presume how long we’ll be able to work, or if we’ll even be physically able to.  A survey of retirees showed that 15% of Americans will have […]

Introducing ELI

It’s Build Your Savings Day! Do emergencies constantly ruin your ability to save? Today I have the privilege of introducing you to a savings tool called ELI. ELI is an app that helps you set aside money that you really CAN afford to save. The goal is to help you eliminate daily money stress. In […]

Savings Day – Transformation

It’s Build Your Savings Day! Remember when Peter stepped out of the boat?  He stepped into the sacred space of letting go and trusting totally. Are you willing to step out, and let God mold you into faithful stewards for His use? In the Blue Book by Jim Branch, a chapter titled In Between discusses […]

Saving Is Not Based On Superstition

It’s Build Your Savings Day! Also the day after Groundhog Day! Groundhog Day is a Pennsylvania Dutch superstition. If a groundhog emerges from its burrow and sees its shadow, winter will continue for six more weeks. No shadow? Spring will arrive early. Well, the need for a savings account is not based on superstition. Winter […]