Apparently, that hit a nerve. Jim later explained, “I had never realized that eating out, putting it on the card, and just paying the minimum makes that about a $200 meal.”

Sometime after that Dallas seminar, I got the following e-mail from Joyce:

“I am a rejoicing woman, and I have you and God to thank. Something in the lessons you gave here at (name of church) reached my husband, and we are beginning a new life. Praise God … You will never know how much you have impacted our lives.”

While Joyce’s comments were kind, all I had done was turn a flashlight on and point to the pathway out of their pain. The rest was up to God and them. The point I hope to leave you with is this: No matter how tough your present money situation is, it doesn’t have to be a marriage buster. In all likelihood, the two of you can — with enough unselfishness, love, and a laser focus — kill the debt monster and enjoy the life God means for you to have.

By the way, if you have a disinterested spouse, don’t give up. Ask him or her to sit down and read a good book on Christian money mangement.

Steve Diggs has presented the No Debt No Sweat! Money Management and ReTooled & ReFueled Essential Life-Skills Seminars over 500 times at churches, colleges, conferences, employee groups, and other venues nationwide. Visit Steve at, or or call 615-834-3063.  The author of seven books, Steve has been a TV commentator, syndicated columnist, minister, and, today, is a fulltime speaker.  For 25 years he was President of the Franklin Group, Inc. Steve and Bonnie have four grown children whom they have home schooled.  The family lives in Brentwood, Tennessee.

No Debt No Sweat! Christian Money Management Seminar teaches God's people how to use God's money God's way. More at

ReTooled & ReFueled: The Essential Christian Life-Skills Seminar shows Christians how to live for the beautiful bye and bye—while dealing with the nasty now and now.  More