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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 […]

Control Your Spending Level

Have you ever thought, “Man, if I could just earn a little more money, life would sure be a lot easier. I could save more, give more, and our finances wouldn’t be so tight all the time. Well, actually, most people have said that at one time or the other. Some go so far as […]

What To Do With Foreign Currency

Have you collected any foreign currency? I’ve accumulated currency from traveling throughout various countries. I doubt that any is really collectible or even valuable. It was cheaper to hold onto it than paying exchange rates at the airport. Now there are several things you can do with foreign currency. If you think coins have some […]

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 […]

Traditional Burials

Have you made burial plans? Traditional burials can run close to $10,000 or more. Let’s examine some of the costs. Going through a funeral home can cost you $1,500. This includes the fee for a director, staff, and death certificates. If you want to prepare the body for viewing, it’s another $1,500, plus the cost […]

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 […]

Paying For Dental Procedures

Have you been to the dentist recently? One of my molars had to be extracted. To resolve the problem, my dentist pulled the tooth. Then, a robotic device implanted a screw into my jawbone. In order to save $550, I opted out of the happy juice or the laughing gas. It wasn’t worth it! According […]

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