Income Tax Calculator: 3 Federal Income Tax Estimators

With tax season around the corner, you might be itching to file your taxes right away.  Some people like to file as early as possible, while others are still looking for the answer to their question: when are taxes are due? If you don’t have all your tax forms yet, but want to estimate what your federal income tax return looks like, you’re in luck.  There are a few tools available for you to estimate what your return might look like. If you haven’t already received your W-2 or 1099s in the mail … [Read more...]

How I Winterize My Car For Less Than $100

Every winter, I try to make sure my car is in shape for the 'elements' so I do a few bits of maintenance that I've found to be really beneficial. While $100 isn't something that's just lying around for everyone, it is a good investment for your vehicle to ensure that you won't have to replace your engine and that it will last through the winter for many years to come.Car Winterization TipsChange OilCost: $30When I get an oil change in the winter, I make sure to have 5W30 oil … [Read more...]

50 Bible Verses About Faith: A Hebrews Chapter 11 Bible Study

Our small group is doing a Bible study on Hebrews and this week was Hebrews 11, the faith chapter.  Most people turn to this chapter when they’re looking for bible verse about faith.  Just the first verse in Hebrews chapter 11 gives us a great definition to help us understand the answer to the question, what is faith?Now faith is being sure of what you hope for and certain of what you do not see. - Hebrews 11:1Bible Study on Hebrews Chapter 11: The Faith ChapterThere are quite a few Bible v … [Read more...]

Five Ways to Retire With Less Money

What if you are one of the many millions of people who have little chance of having a million dollar retirement portfolio by the time you reach 65? Should you abandon the idea of retirement completely and plan on working until you die?Hardly.The reality is that most people will enter retirement with something much less than $1 million. The ability to retire is often more dependent upon factors beyond your retirement portfolio.Here are some ways to enable you to eventually have some … [Read more...]

Life Balance: How to Keep it Together

 In this ever-changing world in which we live, all of us feel a little “un-balanced “ at times in our lives. What can we do to help us recognize what is causing that unbalanced feeling and how should we go about fixing it?Let’s first identify some of the areas in our lives that we must keep in balance. There are home responsibilities, work responsibilities, community responsibilities, religious responsibilities, educational responsibilities, and social responsibilities – to name just … [Read more...]

Budgeting Bliss: 5 Steps on How To Get There, and When To Send the Old Budget Packing

Admit it. You can’t afford not to budget. There are plenty of people out there who--despite their six-figure income--still find themselves in a vicious paycheck to paycheck cycle. The only way out? Budget. A good budget fits snuggly, but isn’t suffocating. It gives direction but isn’t overbearing. A real budget is constructive, not constrictive. My guess is, you’ve been in a bad-budget relationship most of your adult life. That good-for-nothing budget promised you extra money in your account and … [Read more...]

5 Helpful Moving Tips: What To Do When You’re About to Move

Moving usually isn’t the most enjoyable thing to do, especially if you’re making a move in the heat of summer. You have to consider all sorts of things like travel logistics, getting your stuff (which always seems to multiply) into a moving truck (which always seems to be smaller than you thought), and setting up everything at your new place.Sure, actually moving your stuff might take a weekend but there are a few things you should do ahead of time to make your move go as planned. Since mov … [Read more...]

How Much Should You Have in Your Emergency Fund?

Everyone should have an emergency fund, no one disagrees with that. But there is considerable variation in opinions as to how large an emergency fund should be. The specific size should always be based on a combination of individual needs and preferences, but if you’re looking for some guidance, below are some recommendations.A $1,000 emergency fundThe idea of a $1,000 emergency fund has grown quite popular, not the least of which since it’s been advocated heavily by Dave Ramsey. While I thi … [Read more...]

16 Fundamental Truths of Personal Finance

1. Pay God FirstWhere your treasure is, there your heart will be also.  It’s important to understand that money shouldn’t’ be the sole reason behind why we work each day.  Our hope doesn’t lie in the dollar, euro, or gold; it’s founded on Christ.  Personal finance is no different.  When we acknowledge our dependence on Christ, we can start to see how faithful God really is.  This is why giving is so important.  We give so that others might hear the Gospel and find the same hope that we have2. … [Read more...]

Become a Money Saving Expert

The thought of being an expert at anything can be intimidating, especially when it comes to money.  But you don't need a degree in finance to become a money saving expert.  You just need a little creativity and an open mind.If you're tired of living paycheck to paycheck, you can learn to spend less and save more with these money saving tips. But before you can really succeed, you need to:- Have a planYour budget and savings plan need to have clear goals for how much you'll spend and a … [Read more...]