Our Goal is to assist singles and couples to MASTER their money, obtain a VISA to their future and DISCOVER the results that lead to FINANCIAL PEACE
Saturday, November 21, 2020
Letting Go of Stuff - Travel Light, Part 1 with Pastor Craig Groeschel
Monday, September 14, 2020
Your Dog - Social Media
What Your Dog Wants You to Know About Using Social Media
Social media is a wonderful way to stay in touch with family
and friends, but it can have its downside. Numerous
studies suggest that overdoing it on Facebook or similar sites can make us
unhappy.
For example, having more than 7 social media accounts triples
the risk of depression among young adults, according to researchers at The
University of Pittsburgh. Maybe it’s the multitasking or the pressure to look
cool in multiple venues with different rules. Either way, that’s one mistake
your dog wouldn’t make. He’s content with playing in the same park each
afternoon, and eating his usual for dinner each night.
If you’re going to use social media, there are a few more
things your dog could teach you. After all, he’s man’s best friend, so take a
look at these ideas he’d want to share with you.
Play Nice:
Online spontaneity can lead to regrets if you say something
insensitive. Even dogs benefit from being socialized.
1.
Think first. Ask yourself if what you’re typing is encouraging and constructive. Imagine
how you’d feel if you were on the receiving end.
2.
Consider your audience. Context matters. Avoid misunderstandings by
choosing the appropriate platform for your remarks. Puppy pictures will get
more laughs on Facebook than LinkedIn.
3.
Take the high road. You’ll probably run into some rudeness and
aggression online. Try to elevate the
conversation or leave gracefully if necessary.
Accept Yourself:
The average mutt can have just as much confidence as any
Westminster Kennel Club winner. Loving yourself protects you from feeling
inferior online and off.
1.
Be authentic. Know that you are worthy of happiness and
respect just the way you are. Celebrate your strengths, and enjoy exploring the
areas where you want to grow.
2.
Resist comparisons. Sometimes it looks like everyone else on Facebook
is taking exotic vacations and bragging about their gifted children. Count your blessings and pursue your own
definition of success.
3.
Think positive. Think of challenges as opportunities. Wake up
with a smile and be kind to yourself. When you talk to yourself, choose words
that comfort and inspire you.
Stay Active:
Being sedentary takes a toll on your mental and physical
health. Maybe you need to step away from the computer.
1.
Take a walk. Exercise each day. Walk your dog an extra mile or visit the gym.
2.
Move around. Incorporate more physical activity
into each day. Climb the
stairs or do some extra chores around the house.
3.
Interact offline. Cultivate relationships face-to-face. Meet up
with friends for a regular coffee or lunch date. Throw a potluck dinner with
your neighbors.
Engage in Meaningful Activities:
Your dog can find fulfillment in chasing a stick. You may
need to aim a little higher. If you’re feeling down about squandering the last
2 hours on celebrity gossip, devote your time to finer things.
1.
Live mindfully. Any activity can be profound if you keep your
purpose in mind. Enjoy preparing breakfast for your family or giving your dog a
bath.
2.
Find a hobby. Fill your leisure time with projects that
expand your knowledge and skills. Play a musical instrument or study a foreign
language.
3.
Focus on giving. True gratification comes from
helping others and contributing to your community. Volunteer at a local soup kitchen or library.
Tell a retail worker when their patience and kindness helps to make your
errands more pleasant.
If your dog can figure out how to avoid Facebook depression
and Instagram anxiety, so can you. Monitor your social media use and pay
attention to your life offline. You and your dog will both benefit!
Thursday, August 27, 2020
Kaligh X
Monday, August 24, 2020
Mark N.
Can I share with you what God did? The year my wife and I got married, I spent 3 months in the hospital fighting for my life — battling AIDS, with no immune system. And due to mounting medical bills, college loan debt and credit cards, our house was foreclosed on and I had to sell my vehicle. Needless to say we were broke. Then we met Dave Ramsey and Financial Peace University, followed his baby steps and were faithful in our tithes. In the months and years to follow God showed us His faithfulness. Within weeks of graduating from FPU, my wife and I prayed and we felt led to leave behind the increasing costs of renting an apartment and purchase a mobile home or RV. I was working at a children’s home (a large residential campus that included a small campground) and it was the plan to move the mobile unit onto the children’s home campground, which would eliminate our rent and utilities — giving us the ability to pay down more debt with gazelle intensity. Within a week of looking, we found an used RV for $8,000, but after looking at it, the owner said, “I need to know tonight, because I have someone else interested.” Well we knew then that this was not from God, because we all know what Dave says about large purchases... wait at least 24 hours. So we waited, and the next week, I was hosting an event for donors at the children’s home, and within a few minutes of welcoming guests this couple that I had never met before came up to me and said, “we need to talk to you.” I pulled them into a separate room, and the husband proceeded to say, “we have a brand new motorhome that we would would like to donate, so you or another staff member can live in it.” I was blown away by the greatness of our God. A few weeks later, they delivered this class A Winnebago and my wife and I moved in. This couple came to visit us in our new home on wheels in the months to follow, and said to us, “we had no intention of donating the RV until we drove onto the property that very first day, and the Holy Spirit told us someone here needed it.” We know through obedience, God will supply every one of our needs according to his riches in glory in Christ Jesus. We give Him all the glory!
Sunday, August 16, 2020
Leigh A
Two years ago at age 30 we finished paying off $160,000 of student loans and 2 days ago (for my 32nd birthday present) we paid off our mortgage!!
The teller at the bank said, "Wow, that is quite the accomplishment at your age"! But my husband and I can officially say we are debt free.
The journey seemed like a long one, but after only 5 years, we can look back and say we made all the right sacrifices because this feeling is the best feeling!
Had to share here, because I knew you could all relate to the journey, the struggle, and the sacrifice. I really want to shout it to EVERYONE I know at the top of my lungs, but I knew this was the only place that would truly understand.
Monday, August 3, 2020
Federal Student Loans
Student Loan Borrower: Don't wait on congress for more relief.
Sunday, July 12, 2020
Education
Saturday, July 11, 2020
Best Credit Cards
Are you the Master of your credit? Are you seeking a Visa for your next trip? Are you hoping that the lockdown ends so you can Diner out once again with family, friends, and business associates? What about that emergency expense? Are you thinking I can whip out that piece of plastic to solve my financial problems?
I see company after company that is seeking to expand its customer base. Maybe it is Best Buy, Target, Walmart, Macey's, Home Depot or just name your favorite place to shop that has a credit card. Wow, I can save anywhere from 10% to 20% on my first purchase. How much do you save on your next purchase with your favorite retailer when you go into making a purchase. Whoops, why am I visiting a retailer to make a purchase or why am I visiting their website to buy something? Do I really need that credit card? Oh, yes now I know why I need that card. I need to build my Fico score I am thinking. Really? Why do I need credit? Oh, yes, I remember, I need it because I want to purchase a new home or a new car.
I am out looking at new cars with loans that are zero percent interest on the loan. This is a great deal. I get a new car with a new car smell and I can drive all over town with people looking at my new car seeing how successful I am in life.
I have news for you. You do not need credit. Credit is your enemy, it is not your friend. People do not care what stuff you buy in life. They are sitting on the sidelines cheering you on to make purchases (they might get some benefit) or they want you to go on vacation with them. Oh, vacations are on hold at the moment for most of us with COVID-19.
Did you know that credit card interest rates are between 0% (limited time) and 29% each month you have an outstanding balance. Do you have credit card debt? If you have $1,000 in credit card debt you may be paying out as much as $290 a month in money that you will never see again. This $290 is like taking the money and lighting a match to it. I know you would not really do that but in essence, that is what you are doing.
I am getting off the subject. There is no best credit card or loan anywhere on this earth. All credit cards are your enemy and interest is your enemy!!!
Sunday, July 5, 2020
Covd-19 and Job Loss
Here are some things we can do to make our lives a bit easier.
Apply for unemployment. For many of us this seems impossible. If you are having difficulties keep at it. Sooner or later yo will succeed on filling out the online forms or getting someone on the phone. It has been my experience that when you do get signed up that you can get paid retroactively.
Are you in need of extra cash. Filling out surveys can help to provide some extra income. It takes a bit of work. I personally have filled out surveys for several companies and have been paid. It is not a get rich quick way of earning an income but at least it can help to put food on the table, keep you from becoming homeless and maybe put a bit of gas in the car. See the top survey sites of 2020.
Sunday, June 21, 2020
Walt Disney World
Among other things, kids (and adults) shouldn’t anticipate getting hugs from Mickey or any of the princesses. Everyone who is out of diapers will have to wear a face mask, too. Here’s more of what you need to know if you’re considering a trip to Disney World anytime soon.
Monday, May 18, 2020
Life Insurance
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Friday, May 8, 2020
National Debt
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Ask Chuck: Are We Taking On Too Much National Debt? Chuck Bentley
Dear Chuck, I just don’t understand how America can implement another massive bailout/stimulus without some long-term consequences. Aren’t we already carrying too much national debt?
Read Article |
Thursday, May 7, 2020
Debt Free Before Dating
Disclaimer: I am not affiliated with Dave Ramsey or Ramsey Solutions. I will be sharing short vidieos from Ramsey Personalities. I recommend you go directly to you tube to learn more about how to handle your finances.
Thursday, April 30, 2020
Debt Free Degree
Every parent wants the best for their child.
That’s why they send them to college! But most parents struggle to pay for school and end up turning to student loans. That’s why the majority of graduates walk away with $35,000 in student loan debt and no clue what that debt will really cost them.
Student loan debt doesn’t open doors for young adults—it closes them. They postpone getting married and starting a family. That debt even takes away their freedom to pursue their dreams. But there is a different way. Going to college without student loans is possible!
In Debt-Free Degree, Anthony ONeal teaches parents how to get their child through school without debt, even if they haven’t saved for it. He also shows parents:
- How to prepare their child for college
- Which classes to take in high school
- How and when to take the ACT and SAT
- The right way to do college visits
- How to choose a major
A college education is supposed to prepare a graduate for their future, not rob them of their paycheck and freedom for decades. Debt-Free Degree shows parents how to pay cash for college and set their child up to succeed for life.

Student loan debt doesn’t open doors for young adults—it closes them. They postpone getting married and starting a family. That debt even takes away their freedom to pursue their dreams. But there is a different way. Going to college without student loans is possible!
In Debt-Free Degree, Anthony ONeal teaches parents how to get their child through school without debt, even if they haven’t saved for it. He also shows parents:
A college education is supposed to prepare a graduate for their future, not rob them of their paycheck and freedom for decades. Debt-Free Degree shows parents how to pay cash for college and set their child up to succeed for life.