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Prepping Students for Financial Independence

Is your college student prepared to handle finances?  College is often the first-time young people are in control of their finances. Unfortunately, many are unprepared. Here’s how you can help. Create a reasonable budget together. Emphasize the dangers of credit cards and how using cash reduces frivolous spending. They may like the envelope system. TikTokers even […]

Economic Value of Community

Are you struggling financially? A trusted community is priceless when facing financial pain. They’ll hold up your arms when you’re weary and walk with you through financial challenges. Wise people can help us heal and grow strong. Don’t let pride keep you from moving forward and discovering what God has for you. Collapse yourself upon the […]

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 […]

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 […]

Cash Stuffing

Have you heard of “cash stuffing”? TikTokers are obsessed with a popular money-saving method called “cash stuffing.” The hashtag #cashstuffing has over 300 million views on TikTok. Thankfully people are discovering that using cash makes tracking and saving money easier. It’s a simple, free way to budget and form positive money habits. Cash Stuffing is […]

Prep While You Can

Are you financially preparing for the times we’re in?  There’s plenty of reasons to be financially wise these days. There are supply chain issues, inflationary pressures, and the prospect of worldwide food shortages. We don’t know if, when, or how these will affect us. However, taking simple steps today will enable us to confidently face […]

Have Debt-Free Fun This Summer!

Thinking you can’t save money and have fun this summer?  During stressful times, it’s easy to spend money to escape and just have some fun. However, it’s always important to spend less than you earn. No matter how you’re feeling emotionally, avoid spending your savings – especially emergency savings. Money put aside gives margin and […]

Save on Groceries – Plant a Garden

Are you overwhelmed by the price of groceries? Then grow your own! My wife Ann and I have a large garden. It’s a beautiful way to eat and exercise, but rabbits, deer, and weeds can be a real challenge! Perennials like asparagus, raspberries and rhubarb return every year. We like easy-to-grow drought-resistant plants, and after […]

Self-Control

Self-control is priceless. The Apostle Paul wrote that “…the fruit of the Spirit is love, joy, peace, forbearance, kindness, goodness, faithfulness, gentleness and self-control. Against such things there is no law. Those who belong to Christ Jesus have crucified the flesh with its passions and desires.” (Galatians 5:22-24) Peter wrote, “For this very reason, make every effort to add to your faith […]

Savings Day – Where to Bank

Are you wondering where to open a savings account? Savings accounts are still a safe place to deposit savings as long as they’re guaranteed by the FDIC – that’s the Federal Deposit Insurance Corporation or the NCUA – the National Credit Union Administration. They cover $250,000 per depositor, per institution. In addition to online options, […]

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