Hope for your financial life and beyond

The Hidden Step to Pay Off Debt You’ll Not Want to Miss

If you are looking to pay off debt, the first place you’ll probably look is at your monthly expenses. That’s what my wife and I did when we wanted to pay off our mortgage early. We wanted to squeeze some extra money out of our budget. To do that we needed to cut expenses.

pay off debtWe looked long and hard at our budget and made some adjustments. While we were paying off our mortgage we disconnected our cable TV, ate out less, spent very little on things around the house (like landscaping and home furnishings) and pretty much stopped going to movies just to name a few things. The extra money we saved by cutting our expenses and changing our lifestyle we put towards the mortgage.

For us that was enough to speed up the process. We were overspending in some areas in the worst way. Believe me when the sacrifice was worth it to not have any debt following us around.

But for many others simply cutting expenses in the budget will not be enough to pay off debt at the pace the want. The reason is that you can only cut expenses so far. You’ll still need money to pay for food, housing, utilities, transportation and clothing. All those things cost money and you can’t eliminate them entirely from your budget.

That leaves many who want to pay off debt frustrated. They’d like to pay off their debt faster but they just can’t. There is too little money to go around and nowhere else they can cut expenses.

What they are missing is that there is actually a two-step process to find the money to pay off debt. Cutting expenses is only half the equation.

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The Most Important Reason You Do Not Worry About Tomorrow

do not worry about tomorrow

You’ve probably heard it said at some point, “Hey, do not worry about tomorrow. Focus on today and let the future take care of itself.” That’s not bad advice really. The older I get the more I’m realizing why. We all have things that affect our … [Continue reading]

Daddy Take the Wheel – Adventures With a 15-yr. Old Driver

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Carrie Underwood once famously sang, “Jesus take the wheel - cause I can’t do this on my own.” Recently I’ve gained a new appreciation for her imagery because my 15-year old was issued her learner’s permit. Yes, I can't believe it...she is learning … [Continue reading]

The Ultimate Guide on How to Make the Best Monthly Budget

monthly budget

I’ve written a lot over the years on how to make a monthly budget. It’s really been important to me because creating and successfully living on a budget turned our life around. My wife and I would not be where we are financially had we not admitted … [Continue reading]

Living Through Tragedy When There Are No Answers


I find myself again writing the most difficult of posts. Three years ago it was about one of my high school students who chose to take her own life. This time tragedy struck in our church youth group as on Tuesday we lost a 16-year old girl to the … [Continue reading]

Audience Alert: An Evolution Occurring at Luke1428


Six months ago, I shared about going back to work to take on an administrative pastor role at my church. I was already the youth pastor there (still am), so I didn’t know how the time commitment for the new role would impact other areas of my life. I … [Continue reading]

The Best Definition of Teamwork You’ll Ever Read

definition of teamwork

Like all other basketball enthusiasts, I love the month of March. It is both exciting and maddening as you watch the NCAA basketball tournament unfold. Watching the teams play reminds me of what it means to work as a team. It also points me back to … [Continue reading]

Should I Do My Own Taxes? Here is How to Know

should i do my own tax returns

Each year starting sometime in January, we begin to think about that special season coming up. No, it’s not the spring season or baseball season. It’s tax season. And with that season comes the usual question, Should I do my own taxes or not? At … [Continue reading]

What Should I Do For My Birthday Today?

Birthday I

Birthdays come but once a year. Today just so happens to be mine. And with it comes the obligatory question, What should I do for my birthday? Some birthdays seem bigger than others. When I was a child, my birthday ranked right behind Christmas as … [Continue reading]

What Does God Want Me to Do with My Life?

what does God want me to do

Hidden Nuggets Series #104 – “...love the Lord your God with all your heart, with all your soul, and with all your mind...‘You shall love your neighbor as yourself." (Matthew 22:37-38) At some point you’ve probably asked the question, What does … [Continue reading]

The Winning Hope and Joy Campaign of Stephen Curry

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In a year when Presidential politics is a fixture in the daily news cycle, another campaign is brewing on the west coast. The Golden State Warriors are a stone’s throw away from having the best regular season record in the history of the NBA. We’ll … [Continue reading]