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 you are out of touch with your financial future.  It represents the fact that you need to attend to this now […]

Scripture says the poor will always be with us, but it does not say none of them will be Christians.  A friend of mine, who is very brilliant individual, once made a statement that seemed very odd to me.  He said, “I cannot understand why God has not made me rich yet.”    I have […]

But I Have Worked So Hard!   Of course, you think you have worked hard and deserve some extras, and perhaps you do – but don’t!  Now is the time to say no and now is the time to give up the extra things you purchase that make you feel good.    Will some of […]

Credit Cards Are the Norm   In our culture, credit purchases are the norm.  Often, before an item has been paid for, it has been discarded.  If you think you must have it all now or you cannot be happy, a paradigm shift must be made in your thinking.    In our culture, going in […]