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60 Day Financial Challenge

Are you familiar with #75Hard? Perhaps you’ve heard about the 75 Day Hard Challenge. Participants follow five rules for 75 days. If you fail at any point, you have to start over from day one. Here’s the challenge:  • Follow a diet: no cheat meals or alcohol allowed. • Work out twice a day for […]

Medical Debt – Part 1

Do you have medical debt? Medical expenses are a leading cause of debt for Americans. The Consumer Financial Protection Bureau reports that 1 in 5 U.S. households have medical debt. Even with health insurance, high deductibles and out-of-pocket expenses can lead to debt. Debt on credit reports makes it difficult to attain housing, to get […]

Stop Living Paycheck to Paycheck

Are you living paycheck to paycheck? More than half of all Americans do. One study shows that 60% of millennials who make over $100,000 a year live that way. ¾ of American workers are in debt and a third of all consumers have less than $1,000 in savings. Get off the paycheck-to-paycheck roller coaster by […]

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 – 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 […]

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 […]

Savings Day – Spend Wisely!

Inflation has arrived so we better make adjustments.  When the government issued stay-at-home orders last year, our spending dropped dramatically. Except for groceries and household goods, we had nowhere to spend our money. We couldn’t go anywhere, so food, gas, and travel spending dropped. We were in survival mode held captive by an unpredictable future. You […]

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