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Jerrid Sebesta

Sure, go ahead! Splurge.

I talk lots about saving and getting out of debt.  But, what about spending?  Heck, what about splurging?  Contrary to popular belief, I’m actually a fan of splurging. For my family and me we don’t scrimp when it comes to groceries.  I would guess we spend more than average on food a month.  However, our “going…

Jerrid Sebesta

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Still think the lottery is a good idea?

The lottery is not only a bad idea from a statistical standpoint; it goes against some fundamental biblical principles regarding money. First of all, we have to understand that God owns everything and we are merely MANAGERS of His stuff.  (By the way, did you know the Bible talks more about money and possessions than prayer?  So,…

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Don’t strive to be average

Handling your money like a typical American is terrible plan.  Here’s why.  The typical American is flat broke! Fellow debt-hating guru and financial coach Jon White (@JWFinCoaching) wrote a blog called “Don’t be average”.  In it, he rattles off a number of disappointing statistics about the average American.  Here’s just a…

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God’s way of handling money

Enough is enough, now is the time!  We absolutely, 100%, need to get back to God’s way of handling money.  Too many of us are hurting and struggling with money because we’ve shied away from Godly fundamentals. First and foremost, we need to understand that God owns everything.  Psalm 24:1 says, “The earth is the Lord’s, and all it contains,…

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Pay off your debt

This is a big one – paying off all of your debt except your mortgage.  This is huge.  We’re setting the captives free!  No more “…borrower is slave to the lender” (Proverbs 22:7) stuff.  This is by far the hardest and most-intense part of the “baby steps”, but the most powerful! Dave Ramsey will suggest using his “debt snowball” which…

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Taking the first step toward financial security

The first step toward financial security is to save $1000.  This acts as a emergency fund.  Step three will be to get a full emergency fund of three to six months of living expenses.  But, until then, you’ll need this small buffer between you and life happening. This step should be done QUICK!  This should not be a long-term goal.  Try…

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Dave Ramsey’s 7 "Baby Steps"

Chances are you’ve heard about a guy by the name of Dave Ramsey.  He is a best-selling author of books like Financial Peace and Total Money Makeover, which were the inspiration behind our financial success. Dave Ramsey developed what he calls the “Baby-Steps”.  The premise behind the “Baby-Steps” is that if we try…

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Don’t be nonchalant about insurance

Insurance.  It’s another boring topic within the financial world.  There’s nothing real exciting about it.  Which is the reason it’s easy to not pay attention to it….out of sight, out of mind.  Do you have any idea how much insurance you have on your home or car? Here’s what typically happens. …

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Highway to the "danger zone"

I can’t help but to think of the Kenny Loggins song “Danger Zone” when discussing this topic.  But when it comes to your finances, what’s your danger zone?  Ya know, the area in your life, which little by little, hurts you over time. For some, this means the daily trip to Starbucks.  An occasional $5 coffee…

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