Standing in the Gap in a Society that's Warring with God.

Creating a Will For Free In Less Than 10 Minutes!

August 27th, 2016 Viewed 1440 times

Well, if you didn’t know (and I am sure you didn’t), this month is National “Make-A-Will” month.

And while I tend to think manufactured holidays and “months” like this are silly, in this case I think it is a good reminder for those who haven’t taken this critical and simple step.

So today I am going to show you what I did to create my will in less than 10 minutes and without spending a dime.

How To Create A Will In Less Than 10 Minutes And For FREE!

Christmas: Not the Time To Go Into Debt

December 18th, 2011 Viewed 2129 times

Christmas Card

My life with debt has seen its ups and downs.  When I got out of college, one of my first big purchases was a used car.  It cost me $6,000, for which I took out my first auto-loan.  Of course, with little expenses1 and a full time job, I was able to repay the loan in six months.

From there, it was just playing with investing and saving money.  Sure, I had a credit card, but I never carried a balance.  If you were to ask me then, “What is a Good Credit Score?” I could assure you I had one.

  1. Living at home until I was married []

Straight Talk on The Debt Ceiling

July 23rd, 2011 Viewed 2143 times, 1 so far today
English: The United States' debt ceiling was r...

English: The United States’ debt ceiling was raised to one trillion dollars for the first time in history on September 30, 1981. Since then, it has been raised an additional $13.2 trillion. This chart tracks the ceiling as of the end of each calendar year. Years are color coded by congressional control and presidential terms highlighted. Data source: (Photo credit: Wikipedia)

You know what really gets me going—the political theater that’s going on in Washington right now.  For weeks I’ve been mulling over this thing, and I’ve come to a few conclusions.

Bill Me Later

May 18th, 2011 Viewed 1838 times
Amazon MP3

Amazon MP3 (Photo credit: Wikipedia)

Rachel sent me this e-mail some time ago:

I was looking online today at Amazon for a book and I noticed under the “promotions” box that Amazon now offers the Bill Me Later option for your purchases (which I think gives you 90 days to pay it back but I’m not sure; I’ll have to look at it some more).  The reason this caught my eye is because just Wednesday I saw the same thing on the Macmall website when I was ordering the new computer for the church.  I can’t believe that in this period of financial crisis and credit meltdown, companies are still trying to entice people to do the Bill Me Later option.  Anyway, I thought it would interest you since you’ve been doing so many posts on credit and its problems lately.

We Should Not Raise the Debt Ceiling

May 6th, 2011 Viewed 1996 times
Wipe our Debt

Wipe our Debt (Photo credit: Images_of_Money)

What would consumers do if they could arbitrarily print money or raise their credit limit every time they got out of debt?  Well, you don’t have to wonder at this hypothetical—the U.S. government is showing you in real-time.

Vox Day addresses two of the main arguments for raising the ceiling:

  1. Not raising the debt ceiling will threaten creditor confidence in the value of U.S. treasuries and they may reduce the amount of U.S. debt they are willing to buy.
  2. The debt ceiling should be raised one last time to extract spending concessions from the Democrats.

He blows both of these arguments out of the water in a recent article.  Well worth the read.

How Are You Preparing For the Next Emergency?

December 7th, 2009 Viewed 1432 times


Many of us don’t prepare for emergencies.  We live with the notion that what is now is what will be—if not better.  This is something I touched on yesterday on the subject of Joblessness, but it pertains to financial planning as well.

While some people may have money saved for retirement (and fewer that have actually saved enough!), the numbers are staggering when it comes to being prepared for family or job emergencies.

What Do You Do If You Come Up Short?

November 30th, 2009 Viewed 1511 times

Budget Cuts

What are you wasting your money on?

That really is the biggest question that you have to answer when it comes to saving money and creating a budget.  You see, we all waste money—we impulse buy things that we see, we buy things at full price instead of waiting for a sale, and we buy things that we could make cheaper than pay for them.

Money Mondays

November 16th, 2009 Viewed 1378 times

I’m going to start trying to inject a little more discipline as well as try to keep to a given topic for each day with the hopes of helping me to remain more consistent in my blogging.

This week I hope to introduce the 5 or so topics I will be covering, and next week will be the first week with the new topics going.

That being said…

Dollars seamless background.

The idea of Money Mondays is that on Monday I’ll be discussing financial wisdom that I’ve found as well as my thoughts about what is going on in the current economy.  It’ll be a mix of practical tips, things I’m doing as well as spotlights on some articles and what’s going on around us.

If you have any questions about how I handle things financially—other than what I make 🙂 – Use the contact page or the comments below and I’ll try to answer!

Over Two Years and Still Out Of Debt

September 26th, 2009 Viewed 2394 times

Debt (Photo credit: LendingMemo)

This past week, I was in a conversation with a coworker about cars.  You see, ever since I decided to be done with debt and my wife and I decided to have our third child, we’ve only owned one car—a 1997 Dodge Grand Caravan SE.  It’s old, but it has low mileage for the age and it’s served us well.  Until I started to drive back and forth to work for my new job.

How’s Your Income to Debt Ratio?

July 2nd, 2009 Viewed 1565 times


I saw this handy graphic the other day and just had to share.  You can click on the image on the right to see the original, full sized image.

The green represents income and the red represents debt.  Pardon the language in the 29 year old comment, but it’s very real.  The more income we have, the more debt we accrue because of the increased spending power.

The thing is, after we get into so much debt we find that we’re in a prison to debt—giving most of our earnings that are supposed to be working for us to someone else.

This nightmare has to end.


Standing in the Gap in a Society that's Warring with God.