Financial Coaching for Kingdom Men

Do you feel like you are shackled in the prison of debt and see a debt management plan as an easy break out plan? A "Debt Management Plan (DMP)" usually refers to a formal arrangement through a credit counseling agency.  The benefit of this process is that you sign up, pay a monthly fee, you pay the agency your payments for the debts,  and they make the payments for you to your creditors.  You give them the ability to access your account and make payment arrangements on your behalf.  One payment instead of 3, or 5, or 10 payments, sounds wonderful.  But does it help you to change your habits around money?  Is it faster or less expensive?  Are they really doing what is expected or are they pocketing the money, making interest on the money, not paying the bills until they are delinquent and then the creditors are willing to make a deal?   While the thought of making one payment and someone else will work their magic and the debt will disappear...

  Your 5-Year Plan is Probably Wrong. Many of us believe hard work guarantees our goals. We embrace the hustle: Work hard, play hard, and live the life you want. But if you’re honest, how many 5-year periods ended exactly where you thought they would? The common saying, “I made my plans, told them to God and he laughed,” often feels more fitting for life in the real world. The core problem arises when we equate good stewardship with total control . I recently had a conversation with a dear brother who excelled at managing his money but failed to allow for simple enjoyment. This caused strain on his family because he was so focused on future security that he wasn't allowing himself to truly enjoy the blessings he had already received. The Bible offers a clear counterpoint to this anxiety, one that hit me profoundly: “In the day of prosperity be joyful, and in the day of adversity consider: God has made the one as well as the other, so that man may not find out anything that will be...