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Christian Financial Advice and Biblical Stewardship

How Liquid Are You?

A recent study shows that nearly 50% of Americans live in “liquid asset poverty.” What this means is that, if something were to happen that required a large sum of quick cash, half of us would have to depend on debt in order to cover those unforeseen expenses. How about you?

Explore Your Down Payment and Financing Options

A good rule of thumb to know whether you’re ready to buy a house is if you can save up at least 20 percent of the new home’s value for a down payment.

Determine What You Can Afford

We recommend not paying more than 25 to 30 percent of your monthly household income on mortgage payments, taxes, and insurance premiums.

Know Your Credit Score

Having a score over 720 will generally secure you the best, most affordable interest rates. Before you go looking for a new home, make sure your credit history is up-to-date an accurate.

Looking for Extra Income to Supplement Your Budget? Part 2

Elance is another great site with over 126,000 jobs posted just in the last 30 days. Since elance started, it has helped generate $1 billion in additional income to its clients.

Looking for Extra Income to Supplement Your Budget? Part 1 is a great site that allows you to post both job offers, as well as look for work.

How to NOT Overspend While Using Credit Cards?

If you have a solid budget, you can decide to charge your regular monthly expenses on your credit card and pay your charges off quickly.

How to Find the Best Credit Card for ME? #3

If you love details and want to see a detailed summary of rewards, interest rates, reward limits, and fees, all in one place, then is a great site for you to browse.

How to Find the Best Credit Card for ME? #2

If you’re not ready to answer detailed questions about how much you spend and on what budget category, may be a good option for you.

How to Find the Best Credit Card for ME? #1 is one of those sites that will help you determine the best credit card strategy, based on your monthly expenditures.

How Many Credit Cards Should I Have?

Depending on your lifestyle and how and what you spend your money on, it may be to your best interest to focus on carrying and using two credit cards that offer maximum rewards for your particular lifestyle.

Saving on Car and Homeowners Insurance

Did you know that re-quoting your car and homeowner insurance once or twice a year could save you serious money?

5% Reduction in Spending

What if you and your spouse had a contest of cutting 5% out of your 5-10 spending categories? The savings could really rack up!

Think Leasing a Car is a Good Idea? Tip #3

If you are thinking about leasing a car, consider negotiating appropriate mileage for your needs to avoid paying additional penalties.

Think Leasing a Car is a Good Idea? Tip #2

Even though you may enjoy lower monthly payments on a leased vehicle, you will most likely pay a higher insurance premium, which will wipe out some of the savings you were counting on.

Think Leasing a Car is a Good Idea? Tip #1

In many cases, leasing a vehicle will give you a lower monthly payment than buying the same vehicle.

God is our Provider

Take a few minutes every day to express gratitude to the Lord for his provision.

Stay Away From Refund Anticipation Loans

If you stick with your current strategy of getting your yearly tax refund, do not opt for the RAL (Refund Anticipation Loan). The interest rates on these loans can be as high as 200%!

Build Emergency Savings

If you’re afraid you will just spend those dollars that could have otherwise be returned to you as a tax refund, simply ask your HR department to direct deposit those specific funds into a separate account.

Make Adjustments

Consider adjusting your withholdings so that you receive just a few hundred and not few thousand of your hard earned money back each year. Use this additional sum of money every month towards a designated debt. Once you eliminate that bill, apply this amount to the next bill in line.

Example: "Gen 1:1" "John 3" "Moses" "trust"
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