Keyla Drake, a participant in the Budget Coach Training Course, describes her experience as transformative, fundamentally reshaping her perspective on money and stewardship. “I came into it thinking I had a solid grasp of biblical budgeting, especially after getting out of debt with my husband in 2021. I was excited to share our journey with friends and guide them toward financial freedom,” she recalls. However, what she learned during the course went beyond her expectations, impacting her views on money, contentment, generosity, and legacy.

One of the most profound lessons Keyla learned was understanding that God is the creator and owner of everything, which shifted her mindset from, “How much of my money should I give to God?” to “How can I best manage God’s resources?” This new perspective transformed the way she approaches budgeting, no longer seeing money as something to control, but rather as something to steward faithfully for God’s glory.

Stewardship, Keyla admits, was the biggest takeaway from the course. “I used to think that as long as I gave my 10% to the church, I was doing enough,” she explains. But she came to realize that God doesn’t just want a portion—He wants her entire life to reflect faithful management of His resources. This lesson prompted her and her husband to re-examine their financial priorities, moving away from the desire for material upgrades and focusing instead on contentment and intentional giving. “We also made it a priority to give more intentionally to causes that align with spreading the Gospel, like buying Bibles for places like Malawi,” she shares.

The spiritual growth Keyla experienced through the course has been profound. She reflects on how the encouragement to “seek first the Kingdom of God” became not just a familiar verse but a guiding principle for her life. Even during financially challenging seasons, Keyla says, “He has provided for us in surprising and beautiful ways,” reminding her of God’s abundant provision. “Now to him who is able to do far more abundantly than all that we ask or think…to him be glory in the church and in Christ Jesus throughout all generations” (Ephesians 3:20-21), she concludes, celebrating the lasting impact the course has had on her faith and finances.

We recently received this encouraging testimony from Tammy Thain whose life, faith and financial journey has been impacted by our Budget Coaching program.

“Being in the circumstances that I find myself, I needed this financial course in a huge way! I have gleaned so much from this course, especially from the spiritual aspect of finances: Where is my heart? To whom should I give? Is my family provided for?  My coach was perfectly placed in my life and situation by God! What a blessing, a help, and tremendous teacher she has been!

The significant lesson was how God wants me to work, give, save, spend, and invest – and the Bible verses that go along with each of these.  A change in my heart to understand what God wants of me. To understand His economy of how we are to steward what He’s given us. Everything is His!  Chuck’s videos were Spirit-filled. The videos spoke life back into my heart concerning God’s desire for me to use my gifts that He’s given me and to give generously, and that it is all for God’s glory.”

Mark and Claire Pelletier have rediscovered financial stability and marital harmony through the help of their Crown Budget Coach. Claire Pelletier shared with us, “We have been struggling for years to stay on top of our ‘budget’ — we (mostly me) made purchases out of wants and without much reflection. When we sat to look at our ‘numbers’ together, it was a source of stress. Mark is more of a saver and not a spender; I am the opposite. We also approach money differently: the way we look at our budget, the way we spend.”

The couple recognized their need for external assistance, reminiscent of the guidance they received two decades ago through a Crown Bible Study course at their church. Claire recalled, “We knew we needed something or someone to help us get back on track and to approach it (again) the way we had done almost 20 years ago. We wanted that sense of peace again and we wanted to get out of debt, which was a great source of stress for Mark. So I searched online for Crown and found this online mentoring option, which I thought would be perfect for this time in our life. And it has been!”

Mark echoed Claire’s sentiments, emphasizing the transformative impact of the coaching: “The Crown class was an answer to prayer as we had gotten into too much debt and felt controlled by it. The course has made us re-evaluate our use of money and we are growing in our understanding of what it means to be good stewards.”

One of the critical changes the Pelletiers implemented was eliminating their reliance on credit cards. Mark noted, “First and foremost, we have stopped using our credit card for all our purchases as it became obvious that the card was the primary source of our problem. We switched to using our debit card for our day-to-day purchases.”

Additionally, they have become more discerning in their spending habits. Mark explained, “Growing in understanding and working to implement the principle of needs vs. wants vs. desires. Now when we food shop, for instance, we get what we need. Same with other shopping.”

Another significant step the couple has taken is establishing a savings account for emergencies. “We have also established a savings account for emergencies, something we have not done since we were first married 35 years ago,” said Mark. “This has resulted in greater peace and trust in God.”

Weekly financial reviews have also played a crucial role in their progress. Claire highlighted the importance of these discussions: “It is important being consistent and committed to discussing our finances on a weekly basis. It has made us hold each other accountable, given us a renewed sense of direction and hope: we are making decisions together again a lot more easily and (which is key for us) more frequently.”

Mark added, “A weekly review of our spending has helped us be more open and confident in discussing our use of money.”

Through prayer and trust in divine provision, the Pelletiers have found greater financial peace. “We are praying a lot more about our finances and trusting that God will provide in His own way,” Mark shared. “We actually have started to put away true emergency savings and believe this is part of being a good steward.”

In conclusion, the Pelletiers’ journey demonstrates the profound impact of Budget Coaching and spiritual stewardship in achieving financial peace and marital harmony. As Claire succinctly put it, “It feels great to approach this part of our marriage together and to work towards growing in Godly stewardship of ALL He has given us.”

“We cannot begin to describe the freedom found in Christ and His principles.” 

Steve Turner’s life is a testament to the power of faith, financial discipline, and the transformative power of biblical stewardship principles. Steve’s early years were marked by the influential broadcasts of WMIT, a Billy Graham station. It was here that Steve first encountered the Crown Financial Ministries broadcast with Larry Burkett, setting the stage for a life-changing journey.

Steve recalls, “I would catch the ‘A Money Minute’ or some other snippet more than I had the opportunity to hear his actual program at the time, ‘Money Matters’, but the message rang home.” Over the years, these messages began to resonate deeply with Steve, and he slowly started to implement the biblical principles of financial stewardship into his life.

After years of familial and financial struggles, Steve made a bold decision to start anew. He moved to South Carolina, where he continued to apply the financial wisdom he had learned. “I started tithing and saving again as I had been taught,” he shares. This commitment to financial prudence and spiritual growth eventually led to new beginnings. In 2010, Steve’s life took a turn for the better.

He met his second wife at church, and together they embarked on building a life aligned with their beliefs. “We sold off all of our other assets, combined our households, and in 2017, moved to a small hobby farm,” Steve recounts. This move not only solidified their financial independence but also fulfilled a long-held dream.

In January 2024, Steve and his wife took another significant step by moving to a ranchette in Montana, fully paid in cash. Reflecting on this 25-year journey, Steve shares, “Now, my wife and I are living our dream debt-free, and we have nothing in our path to prevent us from doing God’s work.”

Steve’s story is not just about financial success but about the deeper joy and freedom found in living according to God’s principles. “We cannot begin to describe the freedom found in Christ and His principles,” he says. With plans to write a book detailing their experiences, Steve hopes to inspire others to embrace financial wisdom and trust in God’s timing.

Steve Turner’s life is a vivid illustration of God’s faithfulness and the practical impact of biblical financial principles. We hope his story encourages others to remain steadfast in their faith journey, emphasizing that with God, all things are possible.

“We learned that everything is God’s belonging as a Christian” – Logan and Morgan

Many individuals and couples find themselves at a crossroads with their finances, often struggling to align their monetary habits with their spiritual values. For Logan & Morgan Murphy and Maurice & Deborah Henry, turning to Crown Financial Ministries and their Budget Coaches proved transformative.

Logan and Morgan (pictured above) were in a stable financial situation but lacked a clear plan that reflected their faith-based values. With the guidance of their Budget Coach, they developed a structured financial plan centered around spending, saving, and giving as per their Christian beliefs. “We learned that everything is God’s belonging as a Christian,” shared the Murphys. They now budget diligently for regular giving, experiencing not just financial improvement but also spiritual alignment with their beliefs.

On the other hand, Maurice and Deborah Henry faced ongoing challenges with their spending habits, often finding themselves perplexed about where their money was going. Their turning point came when they decided to seek help after hearing about Crown on Way FM. With the support of their coach, Carmine Ferraro, the Henrys began to track their spending and adhere to a strict budget for the first time. Deborah noted, “For the first time, we are tracking where our money is going and sticking to a budget.” This has not only helped them manage their finances better but also brought their financial decisions in line with biblical principles.

Both couples have seen significant changes in their financial stewardship, proving the power of targeted financial coaching combined with a commitment to faith-based principles. Whether improving an already stable financial situation or overcoming chronic spending issues, the guidance from Crown coaches like J. Rice and Carmine Ferraro has been invaluable in helping individuals and families establish healthy, spiritually aligned financial practices.