by Tim Howington Chapter One  Managing Yourself When There is No Money to Manage  I attended a college meeting once where the speaker asked for a couple of volunteers from the audience to come and illustrate a point he was… Continue reading

by Tim Howington This book is the by-product of a painful process of financial anxiety over about a 12 month period where the Lord sustained my family by the hair of my chinny-chin-chin.  We paid every bill, ate every meal,… Continue reading