Christians and Money 101

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Pandemic. Recession. Long term illness. There is often something that comes up that has a major economic impact on a family. I was in the hospital for 2 weeks and unable to work for ten weeks, and I can tell you first hand the setback that happens to bill paying, credit scores, and sticking to a budget. That is what an emergency fund is for - to tide you over these unexpected situations. However, I was surprised to find that I found it difficult to spend from our emergency fund even though that is what it's there for.  I happen to know that many do not have an emergency fund. I know this because of the number of people I help get one started. National statistics also support this fact as well. For most people, their emergencies are funded with a credit card swipe. Problem solved... for now. If the problem impacted income then, repaying the swipe gets even harder to do with the shark-like interest and fees they slap on for the convenience of the loan. Get a big mason jar and start t

Go to college. Get a degree. Get a job. Retire at 65. This is the life most of our parents lead and taught us to repeat. In fact, those of us who dared to venture away from this template were thought to be crazy, lazy, or stupid. Resumes are sent out to headhunters, and job sites like Zip Recruiter and Monster are flooded with the desperate seeking a j-o-b. Yet, even in 'secure' jobs with a pension (the few that may still exist), many feel empty and unfulfilled despite the great pay, benefits, and corporate uptick. A great idea may even cross their mind or fall into their lap - and after mulling the idea wistfully around for a few moments, fear takes over and they talk themselves right back into the 9-5 grind. It is the template they know. It is the program their families endorse. To do anything else is a flight of fancy. Even with the gig economy in full steam - there are many who cannot embrace the independent contractor or entrepreneur lifestyle.Yet, inside there is a naggin

I grew up a Missionary Kid, and I know family finance from that perspective. I served a Christian non-profit in an administrative capacity, and I know ministry finance from that perspective. I have left a poor Third-World country to seek the American dream. I know the immigrant's struggle. I served in corporate America and had to handle a multi-million dollar budget for the two departments I ran. I understand faithful and ethical financial management from that perspective. I served as a church administrator, plus my father and brother are senior Pastors of both small and sizeable congregations, so I know church finances from an inside perspective. I endured a divorce 25 years ago, and survived that financial ruin. So I know personal finances from that perspective. I took care of my grandmother in her final years and administrated her affairs. I know family finances from a Caregiver's perspective. I traded Forex and know the emotional roller coaster ride

As a Christian and an occasional financial literacy table leader for my church, some are surprised by the fact that I do embrace credit. The fact is, I treat credit the way I would treat fire or a sharp blade. Used correctly, it is an amazing tool. Handled mindlessly, and you have a possible fatality ahead. Even Jesus recognized that we are IN this world, even if as Christians - we are not considered citizens of this world. John 17:15-16 “ I do not ask that you take them out of the world, but that you keep them from the evil one.They are not of the world, just as I am not of the world.” To function in this world today, especially in the USA, ignoring credit or becoming ‘credit invisible’ will make prosperity and wealth more challenging to grasp and enjoy. Impossible? No! But, why dig a trench with your hands when a shovel or backhoe would do a better job? Caveat #1: The content presented here is for educational purposes and to raise awareness and should not be considered legal or