Your Personal Finance Workbook (pdf)

  • 70% of all consumers live paycheck to paycheck; meaning they run out of money before their next paycheck.
  • The average family would have to use a credit card to pay a $1,000 unexpected expense.

If you follow the simple steps in this personal finance workbook (pdf) you will have successfully positioned yourself in the top 30% of all consumers. No more living from paycheck to paycheck … and no more using credit cards to pay emergency expenses.

This is your personal finance jumpstart!

The Personal Finance Workbook Beginner’s Tip

About 90% of all personal finance advice is the same. Why? Because it is PROVEN! This is good news for you. If you stick to the plan you are going to succeed.


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Teaching My Daughter How To Ride A Bicycle


Last week I had the joy of teaching my oldest daughter Maya how to ride a bicycle (without training wheels). I say “joy” because it was filled with a lot of spectacular falls and crashes. Of which I recorded some for future generations. Don’t worry; no child was hurt (badly) in the making of those videos. By the end of our time she could ride for quite a distance … still working on the steering though. Reflecting on this experience revealed a very important lesson about Christian stewardship.

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Should I Buy or Rent a House? – The Complete Guide

Should I Buy or Rent a House

Should I Buy or Rent a House? Buying a home is the largest investment you may ever make in your lifetime. So you will want to ensure that everything is done correctly. Messing up this decision could set you back quite a few years financially. The … [Continue reading]

Why It Is Easier To Give Your Life To Christ Than Your Money?

give your life or money to God

It has almost become a predicable response at the end of sermons. The pastor asks who wants to give their lives to Christ and like a drone army everyone stands up right away, professing to give their entire lives over to Christ. For life long … [Continue reading]

Why Is Change So Hard?

Keep Your Coins I Want Change

It is said, “The only constant in life is change.” (Heraclitus) If this is the case and change is always happening whether we like it or not … why is it so difficult to create the change we want to see in ourselves and others? … [Continue reading]

15 Simple Ways To Save A $1,000 Emergency Fund Without Increasing Your Income


Is there an easy way to save a $1,000 emergency fund? Saving a basic emergency fund is your first hurdle on your journey to financial freedom. For many people saving $1,000 may seem like an impossible task. To help you clear this hurdle successfully … [Continue reading]