Latest Journal Entries...

Proverbs 21:25-26 The sluggard’s craving will be the death of him, because his hands refuse to work. All day long he craves for more, but the righteous give without sparing. Laziness will not be tolerated by our God. This bible verse tells us that...
Did you know that the Bible addresses money and debt more than heaven and hell? Wealth is what God entrusts to us. It can be used wisely, creatively, wastefully, frivolously, corruptively, or destructively. Everything we posses must ultimately be...
The US Department of Commerce released disturbing numbers March 1st. They released a report showing that the personal savings rate for the month of January ’07 was a negative 1.2 percent. What does this mean? It means that the debt rate in America...
I remember a crucial point in my financial life where I found a “tremendous deal” on a car lot. This was a deal that both me and the salesperson felt would not come around again. I could easily justify buying this car to most people including myself...
Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law. (Romans 13:8)
A credit score is a composite based on a large number of complex calculations. Some of these calculations include your payment history, your credit history, the amount of credit you have, the amount of credit you are using, and public records such...
While in the process of rebuilding your credit you may want to consider applying for a “secured” credit card.
I recently heard a pastor say, “You never see a moving truck following behind a hearse.” Everyone knows that everything we possess here on earth must ultimately be left behind. We also know that some people have the ability to accumulate more than...
Eat at home instead of eating out. Make gifts with stuff around the house instead of buying gifts. Re-gift (make sure the person you’re giving the gift to did not give you the gift originally). Buy a bag of popcorn kernels for $2.00 and get way...
It can be a very exciting time when you make that last car payment and finally own that vehicle you’ve been paying for over the last four or five years. Unfortunately that excitement can end abruptly when that automobile breaks down and you find...
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