November 17, 2014

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 11:1 Bible… Read more

November 15, 2014

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… Read more

November 10, 2014

  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 a… Read more

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

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