Show Notes


Middle Class Money Mistakes

If you were going to automatically pay an extra 15% for every item you buy, would you still buy it? Probably not. But you spend an extra 15% (or more, depending on your interest rate) when you buy items with credit cards and don’t pay the balance in full each month. If you are paying more than the price for what you buy, checkout our debt payoff calculators here.

A lot of financial mistakes can be avoided if you just stop, think and evaluate the difference between wants and needs. It’s not glamorous and it may not be fun but steady plodding keeps you on track: Proverbs 21:5, tells us, “The plans of the diligent end in profit, but those of the hasty end in loss.”

Avoiding Christmas Debt

Are you still paying the credit card charges from Christmas, 2016? If you are like most families, the debt will be gone at just about the same time you are ready to do your 2017 Christmas shopping.

Is getting into debt and overspending what the Lord had in mind when we celebrate the birth of Jesus?
That’s why we’re talking about Christmas in August—because now is the time to start planning so you can avoid the Christmas debt this year.

How Much Debt is Too Much?

Do you get a sick sinking feeling when you think about the amount of debt you have? Are you worried that you’ll never be able to dig your way out of debt? We know how that feels. We had a mortgage, LOTS of credit card debt, two car payments, and no savings. Needless to say, our marriage was not a happy place to be.

Being in debt is like playing with matches. You know you will be able to blow the match out when the flame gets too close to your fingers, but sometimes you get burned. That’s what happens when your debt load gets overwhelming or there is an unexpected financial emergency. Sooner or later you will get burned.

SHOW NOTES FOR July 24, 2017
What You Need to Know if You are Buying a Car.

After home mortgages, car loans are the largest debts most people have. And more than 70 percent of all the cars on the road are financed. Unlike a home, which usually appreciates in value, the moment you drive a car off the lot it depreciates in value. It’s worth less than you paid for it by the time you hit the first intersection.

That is why it is important to make a wise financial decision when buying a car. The worst thing you can do is to get confused between the function of a car, which is to take you from Point A to Point B by buying a car based on the perceived status of a certain make and model.

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