Personal Finance

…unless you have the cash in hand and the discipline to pay the balance due (not the minimum payment) each month (Prov 22:7). If you can accomplish this without fail, then only one credit card should be on hand for situations when cash and debit cards aren’t accepted or feasible (i.e. car rental, hotel reservations). Debt is never good, but in this world today most people will need to secure a mortgage on a house or pay for a catastrophic unexpected medical condition. This sa

Are you living paycheck to paycheck based on poor income producing choices? For many of us the job situation we are in is a result of choices made in the near and distant past. This scenario combined with poor spending choices can often result in a double whammy!! Are you living a life beyond your means just to feel good about yourself or to impress your friends or business associates? Are you playing the victim and saying you deserve whatever it is you want with no regard to

All the news about social injustice and societal inequality are tiring. It is my belief that God has a plan for each of us and has equipped us accordingly, but we have to enact His will. We all have a part to play in the trajectory of our lives. Sure some of us are born into difficult situations (by God’s will or the choices of others) but we must choose to rise above the situation. We must drop the blame game and accept responsibility for our choices, therefore getting on a

Wow is it difficult to be patient and allow your kids to make life impacting choices. All we can do is pray, pray, pray for them to make wise choices and not to get ahead of God’s will (1 Thes 5:16-18). This might be best demonstrated via a life story involving one of my sons. He grew up in a fairly conservative community with Christian values and was taught the value of earning a dollar. He did well in high school, was involved in extracurricular activities, AND worked part-