Did you know that roughly 43% of the entire adult American population has a car loan? That’s about 107 million people. What’s even more shocking is that 6 million of those people are 90 or more days late on their car payments. They’re essentially taking out loans for an item they can’t afford, but still […]
Dear Chuck, Christmas is right around the corner, and I’m having a little bit of trouble shopping for Christmas presents. I want to buy meaningful, useful gifts, but it can just get so expensive so fast. Beyond just having a budget, what advice can you give on how to prepare for holiday spending? Thanks, Making […]
Have you ever thought about what causes debt? Most people who have accumulated debt didn’t do so on purpose. It’s usually because of a series of small mistakes, one huge accident, or an assumption that “this is just the way it’s done”. But underneath all those causes are deeper, hidden problems. Paying off debt or […]
I remember the story a man shared with me years ago, about what he called God’s “answer to prayer”. While he was away on a trip, this man’s car had been seriously damaged in an airport parking lot. Unfortunately, the driver who did the damage didn’t leave a note, and the man whose car was […]
Marriage was designed by God to bring abundant blessing into our lives as we work together in unity as husband and wife. I hope that if you’re engaged, newly married, or a seasoned spouse that you are experiencing all the blessings that marriage can bring. Yet for so many couples, they never experience these benefits. […]
Dear Chuck, We have been our first home for three years and want to refinance to lower our mortgage payments. Should we go with an ARM, 15 year or 30 year fixed? Thanks, Happy Homeowners Dear Happy Homeowners, There’s a hymn that goes: “This world is not my home, I’m just a passing through. My […]
Comparison is dangerous – “keeping up with the Joneses” has gone far beyond who has the nicer car or bigger yard. Our society is in an extremely dangerous position when it comes to comparison because of our constant exposure to ads, social media, and TV. Even in Christian circles, we silently compete with one another. […]
Money is often cited as the greatest area of frustration, fighting, stress, and unhappiness in marriage. One spouse wants to budget, the other doesn’t. Neither spouse can agree on exactly how to spend their money or what to prioritize, so budgeting just leads to more arguments. Maybe just the word “budgeting” spawns fights between the […]
Dear Chuck, I have been in my current job for only two years since graduation and am starting to feel I made a mistake. I don’t like the hours I am required to work and the compensation is not keeping up with my needs. To make it worse, the outlook for this field is bleak. […]
Have you ever made a little decision that resulted in a BIG impact? I know I have. In 2015 I decided to drink water only for the entire year. Yes, that’s right…no coffee, tea, juice, soda, smoothies or lattes. Nothing but H2O! For full disclosure, I made it the entire 365 days, and felt so […]