October 27, 2014

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 an… Read more

October 16, 2014

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… Read more

August 13, 2014

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 fund The idea of a $1,000 emergency fund has grown quite popular, not the least of which since it’s been advocated heavily by Dave… Read more

August 8, 2014

1. Pay God First Where 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… Read more

April 28, 2014

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 plan Your budget and savings… Read more

March 3, 2014

Saving for retirement comes with a dizzying array of options. Which retirement account should you choose? Which investments within that account do you really need? What if you make the wrong account choice and can’t get a specific investment that you need? With so many options many people find themselves in analysis paralysis. They aren’t sure which the best decision is, so they don’t make any decision at all. This delays their investment of funds for retirement which eventually means… Read more

January 16, 2014

$23,186. This is the average debt load a student will end up with after graduating college.  If you’re like the 66% of all undergraduate students who have taken a student loan, you probably want to get rid of those things as fast as possible.  It’s easy to get caught up in the borrowing maze in college and managing your loans can become a headache quite fast.  With lenders selling your loan to other places and changing their name – it’s… Read more

January 6, 2014

It’s fascinating to read the parables of Jesus because there always seems to be something new that comes from it.  That’s how I feel about the parable of the sower. The parable is simple: the sower (Christ) scatters his seeds very generously and it ends up on four different types of terrain.  Some land on the side of the road, some on rocks, others in thorny soil, and some in good soil.  The first three groups of seed die and… Read more

December 31, 2013

Every year resolutions are made for the New Year and start strong for the month of January. In the swing of things, you coast into February but then comes March. With tax season approaching, the resolutions take a back seat and it’s all down hill from there. How can you make resolutions that last? It starts before you even begin the newfound habits. Before you make your resolutions, start with the following in mind: 1.Impactful Your resolution must have meaning… Read more

December 9, 2013

The holidays are great, but buying gifts can get expensive.  Real expensive. But if you’re like me, you enjoy giving gifts to people and watching them open it on Christmas day.  Even better is giving someone a homemade gift that you invested your own time and energy creating.  Making a homemade Christmas gift can be economical and thoughtful at the same time.  If you’re the DIY type of person, consider one of these 20 homemade Christmas gift ideas to make… Read more

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