Scripture says that the poor will always be with us, but it does not say that none of them will be Christians. If you’ve ever wondered, “I cannot understand why God has not made me rich yet,” we have no magic formulas but this one. Live within, not above, your income! A friend of mine […]

Record every penny spent for the past 90 days and the next 90 days. If you don’t know where the money went, how can you get out of debt? Close your eyes and visualize a stress-free, debt-free lifestyle. You are on vacation…but you have paid for it all in advance. It is not more income […]

Your current credit card debt represents more than just the fact that you owe money. It represents the fact that you are spending more money than you are making. It represents the fact that, depending on how much you owe, you could be out of touch with your financial situation. It represents the fact that […]

Don’t get in the habit of buying something before you need it or because you think you might use it at some future date. Indulgence because you feel that you owe it to yourself or it will help your self-esteem is a very bad habit to get into. You can develop habits that will insure […]

It is always wise to borrow less rather than more. Cultivate the mindset that you will only borrow for absolute necessities and that you will repay the loan at the earliest possible date. Paying back a larger amount than the required fixed payment will help you retire the debt early. What should you not be […]