Budgeting

  • Do You Have a Working Spending Plan (Budget)?

    The plans of the diligent lead to profit as surely as haste leads to poverty- Proverbs 21:5 A few years ago, Gallup released a poll that said one in three Americans prepare a detailed household budget.  When you compare that… Continue reading

    Do You Have a Working Spending Plan (Budget)?
  • Are You a Generous Steward?

    By Tim Howington Every day, we have clients start a new financial journey where they are trying to sharpen their money skills so that they can reach the goals that they have set in front of themselves.  Sad is the… Continue reading

    Are You a Generous Steward?
  • The Blessing of Being Paycheck to Paycheck This Christmas

    by Tim Howington I lift up my eyes to the mountains— where does my help come from?  My help comes from the Lord, the Maker of heaven and earth. Psalm 121 I made a $500 mistake in my checkbook. Not good.  At… Continue reading

    The Blessing of Being Paycheck to Paycheck This Christmas
  • 7 Financial Ideas for Weathering a Crisis- Intro

    Crisis come in all shapes and sizes.  As I write this, the whole world is experiencing the Coronavirus Pandemic.  We are all huddled at home watching the news trying to figure out when the government is going to give us… Continue reading

    7 Financial Ideas for Weathering a Crisis- Intro
  • Your Year End Giving Makes a Difference!

    This time of the year many of us are evaluating our generosity goals for the year.  People who study generosity say that 31% of all giving happens in the month of December 12% of all giving happen in the last… Continue reading

  • How Much Car Can You Afford?

    It happens every year.  I see the pristine Christmas scene and the doting husband who takes his unsuspecting wife outside with her hands over her eyes and surprises her with a new car.  You know the one with the big… Continue reading

  • How Much is Too Much House?

    I wasn’t sure if he was going to have a nervous breakdown right there at my desk or not.  He kept saying over and over, “But they said that I could afford it.”  His wife looked at me with pleading… Continue reading

  • Winning the Battle at the Grocery Store

    My (Tim) wife and I have been married for over 30 years.  And despite all her great strengths (which are many by the way) she struggles in the area of staying on budget in our household budget- or so it… Continue reading

  • Do You Have a Wonderful-Life Financial Plan?

    We all grow up dreaming of a Wonderful Life. Family and friends who love us. Good job. Nice house. Plenty of food. Enough money to take care of our needs and even some of our wants. When I got married… Continue reading

  • Manna Living

    I am in the middle of processing payroll and about to pay bills. Looks like it is going to be a MANNA month. What is a Manna month you ask? A manna month is one in which the Lord is… Continue reading