Consumerism has found its way into every aspect of our lives. Our churches, homes and jobs all reflect a mindset of consumerism. It is causing many people to go further into debt. If you want to know whether a person has succumb to consumerism ask to see their checkbook. Proverbs 21:20 Wise people store up […]
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Bankruptcy is a topic in which there are so many differing views. The number of filings have decreased over the years. Many people will file but not really understand that it comes at a cost. The consumers pay to file bankruptcy and has to deal with the damage it does to their credit score. Financial
1 Timothy 6:6-10 But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. Those who want to get rich fall into temptation and a trap and into many foolish and harmful
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Romans 1:21-23 Are you a Disciple when it comes to your finances? A disciple is someone who believes in Jesus and seeks to follow him in his or her daily Life. If I asked you to see your checkbook would it tell me that you are a disciple of Christ? Your checkbook will definitely tell
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As a person who participated in Black Friday over the years I never understood why the Friday after Thanksgiving is call Black Friday. In my younger days its was all about spending to get items that would satisfy my ego like a big screen television. Today, I see many retailers commercials offering huge discounts if
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I have been getting many question about boosting your credit rating, therefore I will share my knowledge about this topic. There is one credit rating agency (Experian) that is offering a free service to raise your credit score. The other two credit rating agencies are not offering this type of service. This free service allows
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There was a time in my life when credit card debt sneaked up on me. When I was in college it was very easy to get credit cards. Credit cards makes paying for purchases real easy until you get that dreaded credit card bill. I did not pay my bill on time and interest was
When was the last time you reviewed or pulled your credit report? In order to maintain good financial standing, it is especially important that you monitor your credit profile to ensure there are no errors, omissions or evidence of identity theft or fraud. You can get copies of of your report from each of the
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Debt, oftentimes correlated with water, is expressed by saying “I’m drowning in debt.” On the other hand, debt has also been associated with snow as in having a “snowball effect.” I must say to everyone that reads this, this technique does work. I have paid off 2 vehicles and now I am focusing on my
Debt:There’s No Snow in a Debt Snowball Read More »
You should first start by taking an inventory of your assets and liabilities, otherwise known as your Net Worth Analysis. Add up all assets including physical property, money in checking accounts, savings, brokerage and retirement accounts, and vehicles. Secondly determine your total debt or liabilities which includes your mortgage balance, home equity balances, car loans,
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