Category Archives: Control Debt

Contentment Is Essential for Financial Success

Financial success is not to be measured against an absolute standard of money earned or by comparison of net worth to others. There is always someone with more money. Financial success is achieved by matching our resources to our needs and desires while we humbly live for God and serve others. Finding contentment rather than coveting what others have is essential for finding this success. Then we are free to find our joy through relationship with Jesus Christ, who promises never to desert us.

Ecclesiastes 3:12 I know that there is nothing better for them than to rejoice and to do good in one’s lifetime;

Hebrews 13:5 Make sure that your character is free from the love of money, being content with what you have; for He Himself has said, “I WILL NEVER DESERT YOU, NOR WILL I EVER FORSAKE YOU,”

The United States of America is a wealthy nation. By global standards even many considered to have low income in the USA are relatively wealthy. Despite this relative wealth, most consider themselves to be living day-to-day or month-to-month. They genuinely feel that they are barely getting by. There is insufficient planning for the future, insufficient savings and little investment. There is much coveting and little contentment.

We could double the money everyone is earning, and I dare say the broad results would be largely unchanged. Many people would have more stuff they want (and do not need) but would be no better prepared for the future and still be unsatisfied because they don’t know how to be content.

For those who cannot find contentment with what they have, they may never have enough. There is always the potential to have more. The ability or willingness to be content provides a foundation for satisfaction in achieving personal success.

Of course, contentment should not be confused as an endorsement to be lazy. Instead, in proper context, contentment provides important balance in managing your work hours required to generate income, controlling spending and debt, in how you select your investing strategies… and opens wide the door toward giving to others and serving God.


Remember that all you have belongs to God. Manage your money God’s way. Visit

Increase The Money in Your Pocket Now

I know people are in a range of different places with regards to their finances. Those that have a solid foundation already are optimizing spending and debt management and looking for investment opportunities to grow their finances.

However, many simply feel like they are running as fast as they can to just stay in place… never making progress toward their goals. Long term job selection and career or skill development seem far off objectives.  They want to know how to get more money now.

There are at least two very effective ways to get more money in your pocket quickly.

For those of you who have jobs that are commission or “tip” based or those who have the opportunity to work overtime, simply working hard and working longer hours can be effective short term to generate more income. Of course, that effort may not be sustainable long term without detriment to your personal or family life. It ultimately only bears meaningful results if you take that money and pay down debt or create savings or investment funds. If you work harder and then just buy more stuff you “want” but do not “need”, then it has not accomplished anything substantial.

The second approach is undeniably effective, if done in meaningful way. Reduce your spending! You not only keep the money you have earned, but do not forget that you have already paid taxes on this money. A dollar saved is worth more than a dollar earned. It really is yours to save and invest… so long as you do not spend it. To be most effective, start by challenging everything you are spending money on, starting with larger expenses first. Differentiate true “need” from “want”. Aggressively reduce spending on “wants”. Yes, it will feel uncomfortable and force you to change your behavior. But it absolutely generates cash in your pocket at the end of the month.

Want to see how much impact you can have on your finances? Just commit to yourself to test for a month saying “no” to any discretionary spending. In other words, really distinguishing “want” from “need”. Take the extra money you save at the end of the month and put it aside to pay down debt, start an emergency fund, or start preparing for investing. See how quickly you can use this simple approach to get your finances under control. If you are not confident you can commit to this challenge for “no” discretionary spending, then simply set up an assigned dollar value to spend toward your “wants” for the month and track even your small expenses to avoid exceeding that target. Try reducing that target next month. See how much you are actually spending on “wants” and “convenience” vs. “needs”.

Yes… buying that morning coffee from the coffee shop instead of brewing at home counts as “want” and the added cost does matter over time.


Remember that all you have belongs to God. Manage your money God’s way. Visit .

Build Your Income Before You Build a Bigger House

Build your income before you build a bigger house. This sounds obvious, but so many today start by getting deep in debt in order to have a bigger house “now” rather than waiting until they can wisely afford it. Then they say “It is ok, because everyone else is doing it. It is normal.” or “A mortgage is good debt, an investment.”

The advice comes from God in Proverbs 24:27.

  27Prepare your work outside
And make it ready for yourself in the field;
Afterwards, then, build your house.

God is not telling us to go to work while we have no shelter to protect our family. God is telling us to build our income stream through diligence before we focus on more spending and get deep in debt. That way we know what we can wisely afford while stewarding what He provides.

The truth is that you pay a lot of interest on what you may consider “good debt”. The truth is that many people you look to as “normal” are poorly prepared for the future and living beyond their means thanks to high debt load they assume they can pay back later. They are not ready for retirement. They are not even ready for small emergencies like appliances needing replacement or car repairs. They are really living month-to-month despite income that would be considered in the top 10% of the world.

Do not look to the people around you to determine what your standards should be. They may be drowning in debt and high spending. They may simply have a greater ability to generate high income.  Whatever the reason, don’t look to other people as your example but rather look to God and build your own plan based on lifetime objectives, not month-to-month spending. Be content with what you can wisely afford. As you build your income, establish savings, and establish a credible financial plan for your future you will be better prepared to make wise decisions around if/when you can afford to buy more expensive house, car, boat, etc.


Remember that all you have belongs to God. Manage your money God’s way. Visit .

Spend Like You Did Not Get a Raise; Budget Like There Is No Inflation

I am sure many of you can identify with the following example from my own life. I lived for many years without a mobile phone. I did not “need” it. I was used to living without it. Once I got one though, I found I got so accustomed to the convenience that it would be hard to give it up. I found a similar experience with the speed of my home internet. Dial-up and then DSL speed were fine, in fact wonderful breakthroughs in technology for their time, until I got used to something faster and then I could not go back. The bottom line… it is easier to avoid increasing our spending then it is to reduce our spending once we get used to having what it buys.  So, if you want to control spending, a good way to start is to avoid increasing your “standard of living” when you get more income. This could be income due to a raise, or income due to reduced tax burden. Either way, you have more money and you do not have to spend it frivolously.

No matter how rough you think you have it right now, most of you reading this on the internet have enough to get by with what are truly essentials of food, clothing, and shelter. We are not talking about fine dining, name brand clothing, and mansions… just the basics. Most people throughout the world would be glad to have what we in the USA refer to as a “poverty” standard of living. We have developed high expectations and a sense of judging our happiness and success by comparing the things we have to what others have. This is not God’s standard, but rather one based on coveting what others have instead of appreciating what God has already provided for us.

Too often people get excited to spend every increase in income they receive immediately for short term gratification to have fancier clothes, nicer house, more expensive food. Thus, even as they increase their income, they still remain in debt and lack any substantial savings. They just increase spending to match increases in income, or worse… with anticipation of continual rise in income they start getting deeper in debt, sure that they can pay it off sometime in the future.

If want to improve your financial situation over the long term, try this instead. Next time you get extra income from overtime, annual bonus, or a raise… pretend you didn’t. Keep your spending flat. Instead, put the increase to paying down debt or to savings, which will lead eventually to having money to invest when you are ready. If this is too hard to set aside the full amount of the raise for this purpose, then dedicate as much of the increase as you can. Maybe you can at least put aside 50% dedicated to paying down debt or saving. Maybe 75%.

One of the most effective ways to do this with today’s technology is to automate part of your paycheck routinely going to a separate account from the one you use for monthly spending. Then the extra amount never even shows up in your checking account for example. You keep spending like you did not get a raise, and all of a sudden you start paying down debt and creating a long-term stream of savings which will lead to money to invest.

Pray for God to help you be content with what you have rather than chasing what others have and trying to “keep up with the Jones'”. Identify a clear goal that the money is going toward such as working out of debt or building an emergency fund or starting an investment fund. Share your goals with a family member or trusted friend and celebrate milestones as you make progress!

Although it may be hard, this can apply also to inflation. If you can, try to keep your spending budget steady, even if prices are rising. It means you will have to cut back on what you are buying in order to “absorb” inflation. In some cases, you may have to pivot to lower cost options or brands for some items. In other cases, you can buy some things less frequently or in lower volume. If you can hold your spending budget flat in the face of inflation, then you protect any money you have budgeted for savings, paying down debt, or creating an investing fund. Short term pain helps create long term gain.

As always, seek wisdom and encouragement from God along the way and from any trusted mentor you may have. Just make sure you pick a mentor that models the behaviors and outcome you want to achieve. Not every friend is a good financial mentor.


Remember that all you have belongs to God. Manage your money God’s way. Visit .

Cutting Spending? Start With the Big Expenses.

When you set out to reduce spending, focus on the bigger expenses first. Clipping coupons and switching to generic or lower cost brands can add up to significant savings and should be considered, but there are larger areas in which to begin.

Start by identifying your major expense categories and then estimate how much you are spending in each area.  Include items like housing or rent. Consider long term expenses like if you will own a car, what car you will purchase, how many and how often. Remember that owning a house, car or boat not only means the cost of that asset but also cost to maintain and use that asset (e.g. insurance, gasoline, utilities, etc.). It also includes the cost to borrow money to buy these assets if you get a loan instead of saving up first.

The concept is called a Pareto analysis. Organize your expense categories from largest to smallest and then focus your time  on reducing expense in the larger categories first. You also want to look in the smaller categories and look for any easy changes that can reduce cost by a significant amount. But don’t get so distracted by the smaller costs that you forget to really challenge yourself on your larger expenses.

You can save a lot of money by differentiating between want and need or by setting your budget first based on income and long-term objectives before deciding what you can afford. Avoid the typical approach of starting with expensive homes and cars you want and then forcing it into your budget.

A good way to help avoid major cost and buying significant purchases you really are not ready for is to not go into debt to purchase them. Yes, I said it. Avoid debt. Save up the money ahead and then buy them. You actually can do this for a house, car, boat, etc. But it takes discipline and long-term planning. Saves a lot of money as a result. This goes for credit card debt as well, which can be quite significant for some families and all it does is let you buy something you either can’t afford or buy something before you can really afford it and thus pay more for it to get it sooner. Patience and contentment are indeed virtues.

Remember that all you have belongs to God. Manage your money God’s way. Visit .

The Way of a Fool Is Right In His Own Eyes

We should be careful to listen to God’s advice. Those who wish to become wise, who love knowledge, must accept discipline and correction… must recognize that others may have more wisdom in some areas than ourselves. That is how we learn and get better.

Proverbs 12:1 and 15

1Whoever loves discipline loves knowledge,
But he who hates reproof is stupid.

 15The way of a fool is right in his own eyes,
But a wise man is he who listens to counsel.

If you are not humble enough to acknowledge that others may have wise input worthy to consider, that you may have made or be making mistakes than you will continue to make mistakes.

Be humble. Seek wisdom. Accept correction from God and from others. Learn from it. Grow in wisdom.

These fundamentals apply to all aspects of life… and certainly to all aspects of managing your finances. There are great examples of public organizations or private advisors that can help. Most people even have others around them that may have good input.

For a few examples, please visit our resources section of our website.


Our mission is to help you. We provide the Resources section of to help provide you with greater depth of resources by referring you to high quality organizations that have a lot of great content or provide a financial service (e.g. broker for investments).

We do not get paid by these organizations for referrals. We do not “compete” with these institutions, but rather see ourselves as part of the body of Christ in connecting you with helpful resources they already provide.

If there are resources you would like to recommend or give us feedback on, please send us information from the Contact Us page.


Remember that all you have belongs to God. Manage your money God’s way. Visit .

A Father’s Wise Advice

The wisdom in Proverbs 6:1-15 is as relevant today as it was when it was written. Please read it slowly and thoughtfully. Avoid reading so fast you cannot dwell on the message contained here. Allow God to speak to you for your life and the lives of those you may be able to help.

Take great care in giving a pledge or guarantee on behalf of neighbors and strangers. Do not do so unless you can afford to lose that amount if something does not work out.

1My son, if you have become surety for your neighbor,
Have given a pledge for a stranger,

      2If you have been snared with the words of your mouth,
Have been caught with the words of your mouth,

3Do this then, my son, and deliver yourself;
Since you have come into the hand of your neighbor,
Go, humble yourself, and importune your neighbor.

4Give no sleep to your eyes,
Nor slumber to your eyelids;

5Deliver yourself like a gazelle from the hunter’s hand
And like a bird from the hand of the fowler.

Be not lazy. Instead, be industrious, taking ownership for your own care and for that of others you are responsible for. Think ahead, well beyond the short -term daily provision but rather looking ahead to the future. It may seem far off now, but if you don’t prepare now, you will face crisis later.

6Go to the ant, O sluggard,
Observe her ways and be wise,

7Which, having no chief,
Officer or ruler,

8Prepares her food in the summer
And gathers her provision in the harvest.

9How long will you lie down, O sluggard?
When will you arise from your sleep?

10“A little sleep, a little slumber,
A little folding of the hands to rest”—

11Your poverty will come in like a vagabond
And your need like an armed man.

Do not devise evil for your own financial gain.

12A worthless person, a wicked man,
Is the one who walks with a perverse mouth,

13Who winks with his eyes, who signals with his feet,
Who points with his fingers;

14Who with perversity in his heart continually devises evil,
Who spreads strife.

15Therefore his calamity will come suddenly;
Instantly he will be broken and there will be no healing.

Consider scripture from Proverbs as if it were advice from a wise, loving father… because it is just that.


Remember that all you have belongs to God. Manage your money God’s way. Visit .

Choose Your Own (Financial) Adventure – But Do So Wisely

I remember as a child reading a style of book that was called a “choose your own adventure” book. This style of kids’ book has a basic story line with several outcomes for each situation the characters encounter based on which choices you as the reader make for them. For example… if in the story the main character faces a choice to go into a cave or continue in the forest… the reader chooses and turns next to the page that continues the story based on that decision. The outcome is different based on the choice the reader makes.

The same is true in life. Yes, for each of us there are some preset assumptions for our adventure… who our parents are, where we are born, what value system we are taught, etc. However, we each have the opportunity to make choices for ourselves that influence the outcome of our personal story. This is true whether or not we choose to admit that we are making decisions that matter. Do we get up and find a job? Do we work hard? Do we show love to others? Do we obey God?

We make decisions every day. It is just that we at times overlook the importance of how even our seemingly daily, “small” decisions influence the outcome of our life.

I used to think it would be helpful to have a guide to help me choose wisely as each situation came up in those choose your own adventure books. What if I had a map that showed which choices led to success and which to destruction? Wouldn’t that be great! It would help me navigate to the best possible outcome for whatever story I was in.

While no one made a guide or map for the choose your own adventure books, God did in fact provide a guide for helping us in our everyday life decisions while we deal with other people and with God. Of course this includes managing our finances wisely!

While the Bible as a whole provides much value and insight here, Proverbs in particular comes to mind as providing lots of specific applications of wisdom for how we make our daily decisions. Many of the Proverbs are laid out in such a way as to contrast righteousness and wisdom to wickedness. We do well to study Proverbs consistently and apply it as God intended as the guide to help us navigate our lives to the best possible outcome.

Do not think of scripture as something old and out of date. Instead, think of it as part of an instruction manual that God has given you… yes you, specifically… for your life. Read it as if God meant for you to use it in making your daily decisions, because He did!

I always encourage you to click the link and read the whole scripture, but I have highlighted some verses in the article that have more applicability for finances specifically.

Proverbs 17

Contrast the Upright and the Wicked

      1Better is a dry morsel and quietness with it
Than a house full of feasting with strife.

2A servant who acts wisely will rule over a son who acts shamefully, and will share in the inheritance among brothers.

5He who mocks the poor taunts his Maker; he who rejoices at calamity will not go unpunished

10A rebuke goes deeper into one who has understanding than a hundred blows into a fool.

12Let a man meet a bear robbed of her cubs, rather than a fool in his folly.

18A man lacking in sense pledges and becomes guarantor in the presence of his neighbor.

23A wicked man receives a bribe from the bosom to pervert the ways of justice.

At first glance, perhaps some of these may not be clear in regards to finances. Take time to dwell on them. Verse 10 and 12 strike me of very applicable to those of us who may make mistakes with our finances from time to time. Someone who wishes to help us may rebuke our unwise choices and we should take care to keep pride at bay and remain humble enough to receive their correction, even if they don’t say it in the nicest way. We will be the benefactor of the message if we do. Similarly, let us not be the fool trapped in his own folly once we have made a poor decision on finances. Be willing to admit a mistake and get out of it, even if at a loss. This could apply to overextending our debt by buying too big a home or too expensive cars and doing so on debt instead of saving ahead. The interest could cost you dearly. It could apply to investing in stocks when we make a poor choice and have a losing position.

10A rebuke goes deeper into one who has understanding than a hundred blows into a fool.

12Let a man meet a bear robbed of her cubs, rather than a fool in his folly.

Take time to really reflect on each of the verses in today’s article. Think of situations and decisions you are facing today in your life. Which verses in today’s reading is God putting on your heart to apply in your life to help you make the right decisions?

God may also show you through His word some examples of where you handled a situation well, even if the outcome was not what you wanted… thank Him for the encouragement!

Continue to study and apply the wisdom contained in Proverbs to specific issues in your life. Use the wisdom God provides to help your find the best outcome based on choices you make that  influence your own personal adventure in life!


Remember that all you have belongs to God. Manage your money God’s way. Visit .

The Basics: Control Spending and Debt

There is no amount of income, no matter how great, that can make up for out-of-control spending. To rely on income without controlling spending is like a fisherman who works feverishly to empty water from his boat with a bucket, but never plugs the large hole in his boat… he may keep up for a while, but eventually the boat is going to sink.

If you need convincing, do not take my word for it… look at governments around the world who routinely take in unthinkable revenue/income and still manage to spend more than they take in. The more they have, the more they spend… until finally the boat is sinking, and often they still do not control spending. They just look for a bigger bucket to scoop the water out of the boat.  It would serve them well to plug the hole in the boat.

Ok, you say…that is governments… they are spending other people’s money. It can’t happen to individuals. Look at celebrities or professional athletes who make many millions of dollars and then end up broke and bankrupt when their career is over. They never controlled spending or debt.

It is a crucial part of any financial strategy to be intentional and controlled in your spending and debt. Please check out our resource links on Control Spending and Debt to get a great head start in this area.


Remember that all you have belongs to God. Manage your money God’s way. Visit .

How Is Financial Planning Like the Super Bowl?

The Super Bowl is considered by many to be one of the most important sporting events in the world each year. Many from around the world tune in to watch it even if “their team” did not make it to the final game. Much time and preparation is spent certainly by the teams in preparing for the game, but even by many spectators and fans around the world as they prepare parties and tailgating and other such events to watch the game.

Many people spend more time preparing for, watching, and then talking about the Super Bowl then they actually spend preparing their personal financial strategies. One could spend a little time reflecting on which will ultimately be more important for each of us… but we quickly conclude that perhaps we should spend a little more time planning our finances, even if we have to wait until the big game is over and behind us.

Financial planning may not sound like much fun, so let’s try to make it a bit more interesting. In some ways it is like preparing for the Super Bowl.  Without good planning and execution, you will never win. “Luck” or “winging it” is just not good enough to carry you to victory. Proper preparation for a Super Bowl victory begins before the season every starts.

Start with the end in mind. Teams don’t just show up in training camp with the intent to “play football”… if they do, they do not win very much. They must define success and goals along the way to evaluate their performance in moving toward that success. Winning teams come into the season planning to play for the Super Bowl rings! They don’t just plan to play catch and throw and suddenly find themselves in the Super Bowl. There is short term sacrifice for long term success.

Similarly, for our financial planning you must define what success looks like for you. Define your personal goals and steward progress toward them. Think big! Do not limit yourself to simply having money for earthly things, but also to store up treasure in heaven. How you view your success will strongly influence how you play the game!

Define your goals… define success.

  • Matthew 6:20-21 20“But store up for yourselves treasures in heaven, where neither moth nor rust destroys, and where thieves do not break in or steal; 21for where your treasure is, there your heart will be also.
  • 2 Corinthians 9:7 –  7Each one must do just as he has purposed in his heart, not grudgingly or under compulsion, for God loves a cheerful giver.
  • Proverbs 22:9 –   9He who is generous will be blessed, For he gives some of his food to the poor.

Steward your progress toward those goals and make adjustments when called for. If something is not working as you expected, do not be afraid to consider making “in game” adjustments to your game plan.

  • In Matthew 25:14-30, Jesus teaches us through the parable of the talents that a good steward periodically checks on the effectiveness of his efforts and makes adjustments according to their performance.

With every game there are rules. If you do not know the rules and play by them, you will likely not do well on the field. Penalties for failing to follow the rules can ruin your game. In finances, as with most of life’s challenges, God has laid out the rules for us in the Bible. Know what God says about how we should treat others and how we should conduct our earthly affairs. It is also true that man has added some rules, called laws, as well. We should heed both sets of rules.

  • Proverbs 22:11A good name is to be more desired than great wealth, Favor is better than silver and gold.
  • Proverbs 22:55Thorns and snares are in the way of the perverse; He who guards himself will be far from them.
  • Ecclesiastes 12:13-1413The conclusion, when all has been heard, is: fear God and keep His commandments, because this applies to every person. 14For God will bring every act to judgment, everything which is hidden, whether it is good or evil.

Plan carefully and seek wise counsel. Do you ever see a winning Super Bowl coach who did not have a staff of assistant coaches… advisors? The head coach makes the final decisions, but the good ones listen to the advice of others and weigh carefully in their decisions the counsel of others.  Surround yourself with bad counselors and you will fail.

  • Proverbs 22:3 – 3The prudent sees the evil and hides himself, But the naive go on, and are punished for it.
  • Proverbs 15:2222Without consultation, plans are frustrated, But with many counselors they succeed.
  • Proverbs 14:15 –   15The naive believes everything, But the sensible man considers his steps.

To win at any level, you should carefully evaluate your gear… your tools. In football, you need the right shoes, gloves, helmet, pads, ball, etc. In financial planning, the tools you use (or don’t) are also important. They can be of great help or set you up to underperform your abilities. We recommend you visit our Resources section of our website to find some organizations we recommend that provide helpful tools to assist you in “elevating your game”… to be more effective and successful in planning and managing your finances.

It is important to focus on fundamentals to excel. No team will win the Super Bowl on trick plays and misdirection if they do not also have strong foundation in executing the fundamentals well.

Super Bowl Champions do not start with trick plays and 80 yard touchdown plays as their foundational strategy and neither should you in your financial planning.  Avoid greed… assuming you can win with a few big plays… a few high risk investments that are “sure to pay out”. You may want to put a few in as diversification, but don’t put yourself in a position to win or lose solely on “making the big play” over and over again. To those who love money, they will never have enough. Money is a tool to serve God and to support yourself and your family. The draw to “get rich quick” brings much risk.

  • 1 Timothy 6:10 –  10For the love of money is a root of all sorts of evil, and some by longing for it have wandered away from the faith and pierced themselves with many griefs.
  • Ecclesiastes 5:1010He who loves money will not be satisfied with money, nor he who loves abundance with its income. This too is vanity.

Let’s talk more about your Offense (e.g. earning money) . Offense wins games. Your offensive stars:

  •  Hard work and a great attitude are a formidable pair. Develop a skill and work hard to generate income.
    • Colossians 3:2323Whatever you do, do your work heartily, as for the Lord rather than for men,
    • Proverbs 6:9-11 – 9How long will you lie down, O sluggard? When will you arise from your sleep? 10“A little sleep, a little slumber, A little folding of the hands to rest”— 11Your poverty will come in like a vagabond And your need like an armed man.
  • Invest your financial resources for growth. Don’t stuff your mattress with cash in hopes of avoiding risk.
    • Matthew 25:14-30 – Jesus teaches us through the parable of the talents. Click the link to read the scripture.
    • Ecclesiastes 11:1 –   1Cast your bread on the surface of the waters, for you will find it after many days.
  • Diversify investments to manage risks.
    • Ecclesiastes 11:22Divide your portion to seven, or even to eight, for you do not know what misfortune may occur on the earth.

Finally… Defense wins championships! No one can win unless they can stop the other team from scoring. Similarly, no one can earn enough money to win the game if they spend like drunken sailors. Just consider government spending, which almost always outpaces essentially unlimited income from taxes – it is never enough to satisfy those in government. Defense requires discipline.

  • Control spending.  Set a budget that matches your income and stick to it in order to control spending. This budget should include short term “monthly expenses” but also saving ahead for long term expenses like a house, university education, future medical expenses, retirement, and contingency funds for the unknown.
  • Control debt. Carefully consider any debt before committing.
    • Proverbs 22:77The rich rules over the poor, And the borrower becomes the lender’s slave.
    • Romans 13:8 –  8Owe nothing to anyone except to love one another; for he who loves his neighbor has fulfilled the law.
  • Save money. Save for known expenses and for unknown. Save for today, and save to have money to invest tomorrow.
    • Proverbs 6:6-8 –  6Go to the ant, O sluggard, Observe her ways and be wise, 7Which, having no chief, Officer or ruler, 8Prepares her food in the summer And gathers her provision in the harvest.

Perhaps with a little less fanfare, do not forget Special Teams. They may not affect every down, but they can make the difference in a win or a loss. Prepare for long term expenses such as buying a car, paying off a house, paying for college education, preparing for retirement. To be successful, you must prepare for these things in advance… you can not wait until the special teams is on the field to start planning !

One last piece of advice for your game plan in financial planning… even with the best game plan, you can’t win if you don’t start playing the game! Don’t wait for the “perfect” time to get started.

Ecclesiastes 11:44He who watches the wind will not sow and he who looks at the clouds will not reap.

(If you are too worried about the clouds and winds to start preparing the fields and planting the crops… waiting for perfect conditions… you will not have a harvest. The perfect time never comes. Look only for a good or appropriate time to get started.)

Hope you enjoyed reading as much as I enjoyed writing it. If you prefer a “non-football” version, please review our Guiding Framework.


Remember that all you have belongs to God. Manage your money God’s way. Visit .