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 think you “owe it to yourself” or “it will help your self-esteem” is a bad habit.   You can develop habits that will ensure you will enjoy financial […]

If a person or family will live a restrained lifestyle, they will be able to live on thousands of dollars less each year.  You should incur debt only when it makes good economic sense.  The expense of borrowing should be less than the economic benefit you will receive.   Don’t underestimate the interest of God […]

ATTITUDE isn’t simply a state of mind; it is also a reflection of what we value.  Attitude is more than just saying we can; it is believing we can.  ATTITUDE is a CHOICE! Attitude requires believing before seeing, because seeing is based on circumstances, believing is based on faith.  Attitude is contagious, especially when we […]

Mending the Holes in Your Pocket: Knowing Where Your Money is Going     “Look at what’s happening to you! You have planted much but harvest little. You eat but are not satisfied. You drink but are still thirsty. You put on clothes but cannot keep warm. Your wages disappear as though you were putting […]

Bring About Change by Remembering Practical Wisdom   Americans are blessed with a lot of cash flowing through our hands. Bring a halt to some of the flow. Attack the problem aggressively with a plan. Your credit problems didn’t just suddenly appear. It took a lot of steps to get into trouble and getting out […]