debt – God Owns it All

Signs of a Healthy Financial System: Do You Have a Good Plan?

June 19, 2015June 23, 2015 by timhowington, posted in Basic Money Management, Budgeting, Marriage, Spending 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 one of my friends was asked to give us marriage advice. His advice was classic. “Tim, give Terri everything she wants.” “Terri, only want what you need.” I can still remember his wife catcalling from the background about his bad advice. But, behind his playful banter was a principle. And the principle is this; for a family to be successful the family has to be on the same page and have a plan. Particularly in the area of money. Nothing will challenge a marriage more than how to manage the family resources. Continue reading “Signs of a Healthy Financial System: Do You Have a Good Plan?” →

Free Book

May 15, 2015 by timhowington, posted in Stress

For a limited time, we are offering a free copy of Tim Howington’s best selling book How to Manage Yourself when there is No Money to Manage. We say best selling tongue in cheek since Tim has written two books and this one has sold more than the other. Seriously though, this book is geared for families who are dealing with a difficult financial situation and are looking for a Biblical way to manage their hearts in a stressful time. It is also available at Amazon if you prefer to read on your kindle. Continue reading “Free Book” →

Is Your God Big Enough for Your Money Troubles?

April 23, 2015April 23, 2015 by timhowington, posted in debt, Money, Stress

Last night my son exposed me to the biggest star that science has discovered to date. The name of the star is VY Canis Majoris. Before I begin to spew my Astronomical ignorance or steal the thunder from the video we have embedded, let me just say that this star is huge. Even the name, Canis (dog) Majoris (big), implies the girth of this big dog star. The picture shows its size as compared to the earth’s orbit around the sun. I see this and all of a sudden I am struck with the immensity of our God and the finiteness of myself. Our God literally spoke a word and the universe came into play including Canis Majoris. Continue reading “Is Your God Big Enough for Your Money Troubles?” →

Are Students doing the Math on School Loans?

March 19, 2015March 19, 2015 by timhowington, posted in Budgeting, College, debt, Kids and Money, Stress

We see it every day. College graduates (some of them not so recent) saddled with the repayment of school loans that is quite frankly eating their lunch. It is becoming apparent to me that we are not doing a good enough job helping our students do the simple math of the loans. The simple math of how much to borrow and what is will actually cost you to repay the loans. Borrowing is the easy part, repayment is the bear. It is obvious that the lending institutions are expecting the student to figure out how much to borrow and the students still live in the la-la land of “someday they will be making it big and will have plenty of money to repay whatever loans they incur”. What is worse is that many parents are taking a cavalier attitude towards preparing their students to navigate the loan game. Seems that everyone these day put themselves through school walking up hills both ways in the snow with a full time job. Continue reading “Are Students doing the Math on School Loans?” →