Financial Coaching for Kingdom Men

  Should Christians Go Into Debt? A Biblical Perspective on Borrowing Should Christians ever borrow money? Some believers view debt as always wrong. Others treat borrowing as a normal and unavoidable part of modern life. Between those positions are Christian families trying to make decisions about mortgages, vehicles, student loans, medical expenses, credit cards, and business financing. The Bible does not explicitly say that every form of debt is sinful. However, Scripture consistently warns that borrowing creates obligation, increases risk, and can reduce a person’s freedom. The question is not only: “Am I allowed to borrow money?” A better question is: “Would borrowing be a wise and faithful decision for my family?” What Does the Bible Say About Debt? Proverbs 22:7 gives one of Scripture’s clearest warnings: “The rich rules over the poor, and the borrower is the slave of the lender.” This verse does not necessarily mean that everyone with a mortgage or student loan is living in ...

  Your Debt Doesn't Define You—But It Does Deserve Your Attention If your paycheck seems to disappear before you've had a chance to enjoy it, you're not alone. Every month, many families watch money flow to credit card companies, auto lenders, student loans, and personal loans. Over time, debt can become more than a financial obligation—it becomes a source of stress, lost sleep, strained relationships, and a feeling that you're working hard but never getting ahead. The good news is that freedom begins with clarity. Before you can build a debt payoff plan, you need an honest picture of where you stand. That's why I created the Family Freedom Debt Audit —a free resource designed to help you organize every debt in one place and take your first step toward financial freedom. In about 20 minutes, you'll: List every debt and monthly payment See exactly where your money is going Identify which debts are costing you the most Discover where you can create momentum Begin ...

  There is a specific weight that comes with overwhelming debt. It’s the sound of the phone ringing from an unknown number. It’s the pit in your stomach when you check the mailbox. It’s the tension that sits at the dinner table between a husband and wife. As a financial coach, I have sat across the table from many people who feel that the walls are closing in. I was recently asked by a faithful couple if it was right for Christians to file bankruptcy.  As I was contemplating this question and praying I was surprised at the response I got.  The song, “He Paid a Debt He Did Not Owe, I Owed a Debt I could not Pay” started running through my head.  Considering the Year of Jubilee, Old testament laws about issuing loans, The Lord’s Prayer, and the story of the dishonest manager among others, we as Christians are intimately familiar with someone else paying our debt.  Both spiritual and financial debts.   The Bible is clear that when something is borrowed it...

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...