Your Current Food Expense vs Saving for Your Retirement I recently read two seemingly unrelated articles, which, when dovetailed together, become the basis for this post. The first, a recent retirement savings survey, indicates that one out of three Americans has saved $0 for Retirement (oh and read this if you aren’t sure if Christians should be saving for retirement). The second, from the “The Culinary Review”, tabulated the following costs per serving of homemade sandwiches: A peanut butter and… Read more

Budgeting Tips As we have worked on our budget over the years, we have learned that the more we can automate it, the easier it becomes, the more we enjoy it and the greater our chances of sticking with it. We want to feel like we are in control of our money, but we also want to relax, enjoy life and not be phobicized by every penny we spend. The following tips might sound lax to the nerds among us,… Read more

 Is Medi-Share the Solution to Your Health Insurance Needs? We get a lot of questions about it, and that’s what I’d like to discuss in this Medi-share Review. Unless you have a good employer-sponsored health insurance plan, or you’re on Medicare, you’re probably concerned about your health insurance. A major reason is the cost of premiums. They can easily be over $1,000 per month for a family, or even for a couple. And that’s even if you have a high… Read more

Pop Quiz: List five essential principles for financial success. How did you do? My guess is that several of these are on your list: Live on less than you make. Get out of debt and stay out of debt. Set goals and keep them. Use a budget. Work hard and work smart. These, of course, are all great principles. But how many of you listed, or even considered “contentment?” Probably not many and with good cause: we simply don’t link… Read more

The cash envelope budgeting system is very basic, but generally a very successful way to make a budget. It is a bit primitive in our technologically advanced society. But most Americans are in debt up to their eyeballs, largely due to the fact that technology has made it very easy to go in debt. So, if the cash envelope system works, why not do it? I would suggest paying all of your BILLS (Mortgage, Electric, Phone, etc.) from your checking account,… Read more

When was the last time someone shared their criticism with you about something you were doing? Was it constructive or negative? Did you take offense or embrace the advice? The Bible gives us some insights on handling criticism, so the next time you’re approached by a critic, consider what these scriptures say. Sometimes We Need to Hear Crticism Whoever disregards discipline comes to poverty and shame, but whoever heeds correction is honored. – Proverbs 13:18 NIV Simply put, if we ignore criticism… Read more

The other day I received this email from a reader… “Hi Bob, When is it ok to say no in your giving? It seems through my giving I have gained a reputation of being a bank to some needy people. I myself am in debt and seem to give more than take care of my own needs. These same people have come to expect me to give and some have even demanded that I give more than I have to… Read more

Alright it is time to cut some expenses!  I encourage you to take a long, hard look at all your expenses and ask yourself, “Do I really have to have this?” Often times you will find that you really don’t and that giving it up for a short while (whatever it is) is well worth getting more of your debt paid off! So if you are ready to get started saving some money, then let’s get started!! 1. Car Insurance… Read more

Pay Off Your House Early When you are a homeowner, you may feel as though you will be paying your mortgage forever, but let me reassure you that you can pay off your house early! Let’s ponder this… “It seems like we will be making house payments forever. We owe $140,000 at 6% interest and are paying $1000 a month. How much sooner could we pay off our mortgage early if we started paying an extra $100 a month?” The… Read more

The Burden Load Principle “But if anyone has the world’s goods and sees his brother in need, yet closes his heart against him, how does God’s love abide in him? Little children, let us not love in word or talk but in deed and in truth”. 1 Jn 3:17-18 These verses tell us that if God’s love abides in us, we will put it into action. When we see a brother in need, we will not close our hearts against… Read more

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