Blog Archives

Record Credit Card Paydown – 1st Half of 2020

Need some hope? WalletHub’s Credit Card Debt Study reports that Americans paid down a record amount of credit card debt during the first half of 2020. The greatest reduction occurred during the 2nd quarter of this year, largely due to unemployment benefits and household spending cuts. A WalletHub analyst said: “It may seem counterintuitive that […]

Generosity Day: Prayer For Paying Bills

Do you pray to be more generous? Douglas McKelvey wrote Every Moment Holy. Here are parts of his prayer for paying bills: “O God who provides all things necessary for our lives, there’s little in this life that will so starkly reveal our insecurities and our struggle to trust your tender care as will the […]

Savings Day – Store Brands vs. Name Brands

 This is a good time to increase your savings. It used to irritate me when my wife, Ann purchased store-brand items. I thought they were sub-par until finding out many are made by name-brand companies. Experts say, “.. the cost of store-brand foods and beverages is at least 20 to 25 percent less than name […]

The Tongue

The tongue can destroy careers and reputations. James chapter 3 describes the tongue. Though small, it can set the course of one’s life on fire. That means we must steward words carefully, especially in the workplace. Don’t gossip or join those who do. Never send messages you would regret seeing in a job review. Avoid […]

Escape the Crazy Cycle

Want to escape the Crazy Cycle? Emerson Eggerichs, author of Love and Respect, writes that when a wife feels unloved she reacts without respect, and without respect, a husband reacts without love. He calls it the ‘Crazy Cycle’ and it can happen over money. The lies we believe about money can start The Crazy Cycle […]

Generosity Day: Budgeting Help

Hoping to be more generous? Budgeting is a means to help you with giving. There are multiple apps on the market. is free and best for those new to personal finance. It helps you create a budget based on spending patterns. Personal Capital lets you manage accounts in one place while also tracking investments, […]

Savings Day – Tips to Spend Less Than You Earn

Need some tips to save more money? Good beliefs produce good behavior. I recently asked people how they live below their means. Listen carefully as I read their responses:  • Educate yourself about money • Budget, set goals, automate savings • Give first, save, then pay your bills • Learn to cook at home and […]

Crazy Money Day – Rabbi Scammer

It’s Crazy Money Day! Do you remember the shooting attack on Chabad Poway synagogue in 2019? A woman was killed and 3 injured including Rabbi Yisroel Goldstein. He spoke often, asking for love, forgiveness, and tolerance. This July he pleaded guilty to charges of defrauding the government and wire fraud. Goldstein won’t serve time. His […]


Have you ever heard of UBI? UBI or Universal Basic Income is defined by it most ardent supporters as: “… a regular income paid to everyone without any conditions. Everyone would automatically receive a regular income paid into their bank accounts.” God created man to work and provide for his needs. This gives meaning to life […]

Best Practices

Do you know what it means to be a steward? We were bought with a price and have a Master who beckons us to serve Him and build His kingdom, not our own. The standard for Godly stewardship is to be both faithful and disciplined. So here are 6 best practices: 1.  Make giving to […]