Faithful Financial Living
We were once Empty-Nesters until my youngest ran into financial trouble and had to return home. He had lost his job, used the last of his income and savings to pay rent. He also acquired more than $20,000 in credit card and student loan debt. After 3 years he has paid off his debt and […]
Life is full of uncertainties! Who knew that this deadly coronavirus would make our lives miserable? The COVID-19 pandemic has impacted the global economy and our country is no exception! A humongous number of people have lost their jobs. And many others have got a pay cut due to massive losses in businesses. However, is it wise to
Is It Wise To Use Your Emergency Fund During COVID-19? Read More »
We are spending less on Christmas this year because we want to save more, spend less, and work on paying off the house. It all comes down to what means more to us. Spending aimlessly for one-day buying stuff we don’t really need. Just to try to figure this all out once the bills arrive
$400 CHRISTMAS BUDGET | 8 simple steps on How We’re Spending Less On Christmas! Read More »
Credit has become the staple of our country since the first credit card was introduced in 1950 by Diner’s Club, Inc. Upon graduating college, I knew I needed to establish credit if I was going to be able to get ahead in life. I found out very early that maintaining a good credit score meant
How to Raise Your Credit Score 100 Points in 45 Days Read More »
The holidays from Thanksgiving to the New Year had always been a wonderful time of the year for me and my family. It was a time to gather, eat and make merry. With all its sounds, smells, and the taste of the holidays. A time filled with love, moments to cherish, and my belly filled
As a Boomer bringing up the rear, I have had the advantage of watching and reading about all my older Boomers. Per the media Boomers are so wealthy, Boomers have so little saved, and my all-time favorite Boomers have ruined the world. Baby Boomers are defined as those born between 1946 to 1964. I almost
There has been so much said about the Millennials and Debt but I must add my thoughts as well; as I have raised two Millennials. At an early age, we taught both of our sons the value of saving. We opened savings accounts for both of them when they were in grade school. We had
God has a lot to say about giving, lending, and borrowing. My views on giving and lending have always warred with my desire to save. I believe I have a bent towards being miserly or I am just plain selfish. It was only through the grace of God that I began to see the need
When I started working, I always felt it was important to save. I called it my Rainy-Day Fund. I would withdraw from it whenever I ran a little short from overspending. It prevented me from ever having to borrow money from others. I never understood the point of borrowing because you would eventually have to
For Budgets And Spending Plans To Be Implemented Properly, You Will Need Both Checking And Savings Accounts. The Checking and Savings accounts are the engines that will drive the train to financial security. They both have their specific roles to help you become debt-free and on the road to financial freedom. In this blog I
The Name Jesus Is Loved, Hated, Misunderstood, Disdained, Judged, and Invokes Many Other Feelings. For me, I just did not know him, what his death meant or why it was so needed. Yes, I understood in my mind that he died for our sins, but I did not understand this in my spirit and soul.
Why I Needed To Create A Spending Plan. Now that you have created your budget, it is time to create a spending plan. If you haven’t read my last two blogs on creating budgets called Budget: Love and Selflessness and Setting up a Budget for Beginners take a few moments to catch up. You will need a budget to
I have encountered many who profess to be Christians but have never read the Bible or have only read certain parts of the Bible. My question is how can you be a follower of Christ without reading about what Christians are called to do? Christians and the Bible go hand in hand. Stating that
Jesus Came To Fulfill The Law Each year I try to read a different version of the Bible. Mainly to change it up a bit but also to get a different perspective of the writings. The doctrine is the same, but some Bibles are easier to read. Some versions let me see a passage clearer
It Has Been Said Whoever Controls The Marbles Controls The Game, however, I believe this is not true when budgeting for a household. I believe a budget should be made up of love and Selflessness. During my first marriage, my ex-husband controlled the budget which also included my paycheck. Therefore, the things I wanted to
But Test The Spirit To See Whether They Are From God, 1 John 4:1 Per Frances Chan in his book Letters to the Church, “encouraging signs of growth is when people rarely talk about a great ‘sermon’ but often discuss what they’ve discovered in their Bible reading.” While reading this book in my Bible Study
Be Still And Know That I Am God. Psalm 46:10 As we face the uncertainty in our life due to the Corona virus, I am comforted by knowing that God is in control. The Lord has set us down. He wants us to be still and know that He is in control. I for one
God speaks about money more than 800 times in the Bible. Money and our possessions are the 2nd most important topic after God’s Kingdom and how to get there. However, the Bible teaches us that debt is not good and should be avoided. In fact, the Bible likens it to slavery. We are a slave
As I Sat On The Beach Reflecting On The Journey, we took to arrive at our dream vacation in Hawaii, I realized the road previously had a lot of twists and turns. We were drowning in debt, house poor, and just trying to stay above water before getting serious about our debt. Now we are sitting on
The Key To Creating And Living Your budget Is Your Mind Over Money. You must keep your mind on what you plan to do with your money to create a mind over money budget. When spending money, we should always be mindful of our budget. Begin thinking frugally. First, start allocating funds to savings. Always pay