Christmas 2015 and Debt

Christmas 2015 is just around the corner and with it, if you are not careful, is debt. Many of you might have failed to plan ahead and saved for Christmas. You decided that a Money Blueprint (Spending Plan, Budget) was…

BREAKING: Student Bible Event on National TV!

Help A National Student Movement Grow Stronger Sometimes it feels like the world wants us to cover up the light of Jesus’ hope in our lives. But the good news is, thousands of students have decided to stand up for…

Are you suffering from WAS?

Are you suffering from WAS? What exactly do I mean by WAS? WAS is actually an Acrostic. It stands for: W – Worry A – Anxiety S – Stress When you have money worries, it will sometimes make you anxious.…

You’re never too old

You’re never too old to save. Today, I read an article about a woman who at the age 50 realized she needed to make a change. At that point in her life, she had $20,000 in medical bills and an…

Money Envelope Template

If you want a money envelope template to use so you can keep track of your cash and spending, here is a free template. The template was created by Tracie at the Penny Pinchin Mom. The template is based off the envelopes…

In the Fourth Watch

TUESDAY, SEPTEMBER 01,  2015 Now in the fourth watch of the night Jesus went to them, walking on the sea.— Matthew 14:25 In the Gospels we find a story about Jesus sending His disciples across the Sea of Galilee. As…

Debt-to-Income Ratio

Knowing your debt-to-income ratio is very important. Lenders use it to know how much debt you qualify for. Let’s look at what is the debt-to-income (DTI) ratio. The DTI is your total debt divided by your total income. The ratio is best calculated…

When One Is a Majority

MONDAY, AUGUST 31, 2015 “Do not rebel against the LORD, and don’t be afraid of the people of the land. They are only helpless prey to us! They have no protection, but the Lord is with us! Don’t be afraid…