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 monthly. For example, if your total monthly expenses are $3,900 and your  gross monthly income […]

June 27, 2014 Bible Verse

Proverbs 28:8 – “Income from charging high interest rates will end up in the pocket of someone who is kind to the poor.”

The Discipline of Giving

SATURDAY, MAY 17, 2014 On the first day of the week let each one of you lay something aside, storing up as he may prosper, that there be no collections when I come.—1 Corinthians 16:2 Years ago, when I was in military school, we were given five cents each week to spend at the canteen […]


Have you had a moneymare or maybe you’re currently having moneymares? What in the world is a moneymare you might ask? A moneymare is a nightmare about money or about your financial situation. When you have debt  or rather more debt than you can handle, you might experience moneymares. You wake-up anxious and worried that […]