You’re minding your business, finally feeling like things are settling down, and then the alert comes through. Your credit score dropped again .If you’re like me, the first thing that pops into my head is what is the issue? Because from where you’re standing, nothing major changed. I’ve been through it, too. At one point,…
If you’ve ever gotten a call from a debt collector and chosen to ignore it, you’re definitely not the first one to hit decline. Those calls can feel stressful and downright overwhelming. So what actually happens if you keep ignoring debt collectors. I’ve been around the personal finance world long enough to know that ignoring…
If you are searching how to budget when you live paycheck to paycheck, you are probably not doing it casually. Something triggered that search. Maybe payday came and went faster than expected. Maybe you checked your account and immediately started doing mental math. That kind of pressure builds quietly. Living paycheck to paycheck is often…
Every few months it feels like somebody is telling us we need to get into Bitcoin or we are about to miss out on something huge. Bitcoin is the digital coin that started the whole crypto movement. It didn’t come from a bank. It didn’t come from the government. It showed up as a new…
Financial struggles touch almost everyone at some point. I’ve had my fair share of money worries too. Whether you’re overwhelmed by bills, having trouble making ends meet, or working hard to build a life of generosity, honest prayer can be a comfort and a guide. Christian faith teaches that we can trust God with every…
Student loan debt has become one of the most talked about topics in recent years, touching people from all walks of life. I see headlines about new policies, rising balances, and concerns from graduates who feel burdened with payments for years, even decades. When I first started learning about student loans, I was surprised by…
Inflation isn’t just a headline anymore. In 2025 it’s showing up in real life for families, professionals, and business owners in a way you can actually feel. Prices keep creeping up on the things we touch every single week. Groceries. Gas. Housing. The essentials that already took a big part of the budget now ask…
If you’re walking out your faith in everyday decisions when it comes to your credit, student loans can play a significant role, whether you realize it or not. If you’ve ever reviewed your credit report and spotted your student loans, you’re in good company. For many, these loans represent their initial encounter with debt and…
Okay, so you’re looking to make your savings work harder for you, right? Sticking with a regular bank account these days just isn’t cutting it. With interest rates on the rise, now’s the time to explore high-yield savings accounts. Think of it as good stewardship of the resources God has blessed you with. Options like…
What Credit Scores Mean in 2025 When you are ready to buy a home, one question rises to the top quickly: “What credit score do I need to make this work?” It’s a real question because your score shapes much of the mortgage process. It influences the kind of loan you qualify for, the interest…
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