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Showing posts with the label Budgeting

10 Financial Habits That Will Change Your Life (Starting Today)

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  Over the years, one thing I’ve learned about myself is this: I need to hear things more than once before they really take root. Maybe you’re the same way. Recently, I was praying about what I should be working on in my walk with the Lord—and what others might be experiencing in their own lives too. That same morning during my Bible reading, I came across Matthew 13 —the Parable of the Sower. Then I picked up a book on Christian finances, and the section I read was titled “Good Soil,” referencing Luke 8:15. Whenever God starts putting the same message in front of me from different directions, I’ve learned to pause and think: “Alright… maybe I should pay attention here.” But if I’m being honest—I didn’t. I got busy. Life moved on. I didn’t stop to reflect. Then Friday came. I sat down with a group of Christian men around a coffee shop table for Bible study. And wouldn’t you know it… we were studying Luke 8:1–21 . At that point, I couldn’t ignore it anymore. The Financial Habits T...

The Quiet Thief of Contentment: Understanding and Overcoming Coveting

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We often talk about the "how-to" of money—the spreadsheets, the debt snowballs, and the high-yield savings accounts. But stewardship is just as much about the "why" as it is the "how." If the budget is the engine of your financial life, your heart is the driver. And there is one particular passenger that likes to grab the steering wheel and veer us off course: Coveting. It’s the quiet thief. It doesn’t usually scream; it whispers. It’s that subtle tug at your heart when you see a friend’s promotion or a neighbor’s new truck. As Kingdom men and women, if we want to build a legacy of generosity and peace, we have to pull this habit out by the roots. What is Coveting? At its simplest level, coveting is an intense, disordered desire for something that belongs to someone else. In a biblical context, it’s the violation of the Tenth Commandment. But it’s more than just "wanting a nice thing." There is nothing wrong with wanting a reliable car or a comfo...

Financial Stewardship Through Loss: Understanding Social Security Survivor Benefits

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When you are walking through the "grief fog," the last thing you want to do is navigate a government website. Yet, for many widows and widowers, Social Security Survivor Benefits are a critical piece of the "Four Walls" of your new financial reality. In my coaching, I always tell clients: A budget is simply a plan for your mission. But to make that plan, you first need to understand the resources God has provided for your journey. The Basics: What Are Survivor Benefits? Think of Social Security not just as a retirement fund, but as a life insurance policy provided by your spouse’s years of hard work and taxes. These benefits provide monthly payments to help support the family left behind. According to the Social Security Administration (SSA) , here is who is typically eligible to receive these benefits: Widows/Widowers: You can receive full benefits at your full retirement age, or reduced benefits as early as age 60 (or age 50 if you have a disability). Caring for ...