If you were visited by a former version of yourself in January or February of next year, what would the experience bring? Would it bring the regret of overspending and the debt to prove it? Or would it bring the peace of knowing that you spent well, accumulated no debt, and thoroughly enjoyed the act of giving?
I’m glad you asked. Here are 3 ways I believe you can reminisce with joy of fonder times.
Did you know that this year Christmas is on December 25th?? Haha. Yes...I know I'm being funny, but I cannot tell you how many of our coaching clients tell us that they use credit cards to pay for Christmas because it "snuck up" on them.
Don't let Christmas sneak up on you! Here are 5 things to keep in mind as you begin (or complete) your Christmas shopping.
We knew we would not make it out of our debt snowball without having to replace at least one of our vehicles. When we started, we had $191,000 in debt, medical bills and car repairs all around us. And each vehicle was over 10 years old with at least 200,000 miles. We knew a car purchase was in our future.
But we were also determined to incur no new debt.
That meant we would have to do two things I had never done before...
A few days ago my debit card to our joint checking account was hacked. I wanted to walk you through the process to help you when it happens to you. At some point in time, you (or someone you know) will be affected. It is a certainty.
So what are we supposed to do? Keep reading. Here are 5 ways to get through identity theft.
Before we started on this journey of Christ-centered financial wellness, I never thought much about money being currency. In my mind it was just a term that was used by financial analysts. But today is a new day. Today I understand the importance of currency and what it means in my life. Today I understand that money and electricity have a lot in common than you think!
If you're on fire to get out of debt as quickly as possible, chances are really good that nothing is going to stop you. If you're at the other end of the spectrum and continue to live without a budget and beyond your means, there's nothing anyone can do for you.
But the ones in the middle...the ones at the corner of comfortable and debt free...those are the people we help the most.
As we have learned more and more about how to lead a life of Christ-centered financial wellness, we discovered another aspect of budgeting that we now embrace wholeheartedly. It has come to the rescue more times than I ever thought possible and I'm excited to introduce it to you today. It's called the sinking fund.
Let’s walk through the 3 things you need to know about sinking funds.
Five years is a long time to work on a goal. And I won't lie and tell you that it's been easy for me to stay focused on becoming debt free and living a life of Christ-centered financial wellness. Part of the reason was that I didn't know I needed to be financially well and I thought I was already Christ-centered.
This is what I learned to make it through.
How many times have you seen the other side of a prayer and were amazed at how blessed you were because of it? How many times have you thanked God later for not giving you something you really wanted? As much as I hate to admit it, I have been blessed when God doesn't answer my prayer the way I want. Find out why...