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Prepare For The Future

The squirrels are preparing for winter on my property. Squirrels instinctively work hard for the cold months ahead. They remind me of the Proverb that tells us to go to the ant to learn how to prepare and gather for the future. Most people don’t because they haven’t been taught how and why. Learning to […]

Focus on What You Own

Is your financial house built on sand? I’ve counseled people with significant assets who were wiped out during economic downturns. Things looked great on paper, but their lifestyles were highly leveraged with debt. When interest rates rose and the economy tightened, they couldn’t keep up with payments. They lost everything, including their homes. Highly leveraged […]

Debt Collectors

1 in 4 Americans have at least one debt in collections. If that’s you, here are some helpful tips. Debt collectors can only call you between 8 a.m. and 9 p.m. unless told otherwise. They can’t harass you with repeated calls, threats, or abusive language. Law prohibits them from coming to your workplace to collect […]

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 […]

Costs of Moving

Are you planning to move? Many Americans are trading city life for suburbs, self-reliance, and off-grid living. They’re seeking peace and moving to find it. Moving costs lots of money. Packing supplies, a moving truck, moving insurance, travel costs, and temporary housing all add up. Weigh the costs of buying versus renting. Even though mortgage […]

Crazy Money Day – Pandemic Hoarding

It’s Crazy Money Day! On March 1st, two brothers cleaned out Chattanooga stores of hand sanitizer. Then, one drove across Tennessee and Kentucky filling a U-Haul truck with more. Back home, one brother started listing sanitizer on Amazon. 300 bottles sold out immediately for between $8 and $70 each. He called it “crazy money”. Amazon […]

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 […]

Signs of Financial Instability

Are you financially unstable? A recent survey revealed that 63% of those employed before the pandemic lived paycheck to paycheck. When job loss occurred, financial instability reared its ugly head. Perhaps you know the pain. • You’re stressed out and losing sleep. • You don’t have an emergency fund. • You’re maxed out on your […]

Minimum Payments

Making minimum credit card payments? If you are making minimum payments, the lowest required payment shown on credit card statements, it can help preserve cash, but it’s expensive, limits freedom, and creates stress.  Call your lender, assure your desire to pay, and negotiate better terms. If you have a decent credit score, you can transfer […]

Financial Stress

Financial stress got you down? The founder of the Financial Therapy Network says  that worry and stress over money “contributes to headaches, stomach problems, ulcers, heart problems, high blood pressure, and other ailments.” If you’re suffering, invite the Lord to intervene and give you peace in the midst of this trial. Ask Him for wisdom […]