“The rich rule over the poor, and the borrower is a slave to the lender.” Proverbs 22:7 When we hear the word budget, most of us cringe and a dozen fearful thoughts run through our minds. It feels like you try to sit down and look in the crystal ball to see the future…which is impossible. Or you put your numbers on paper with prayers that all will go as planned. To our amazement having a budget actually helps us avoid disasters and be prepared. I have a great quote on the top of my budgeting book that says “financial freedom means that when your life crumbles around you, the…

A few weeks into the New Year…how are your resolutions going? My thoughts exactly…epic fails for most of us. I, for one, gave up on the notion of resolutions years ago, as I decided that was a sure-fire way to fail and feel guilty about not reaching a goal again.  New Year’s resolutions, birthday resolutions or whatever type of resolutions you set each year…how do you do? I remember thinking it was so cool to set my resolutions in my high school and college days. However as I moved into adulthood I realized that I never actually accomplished reaching them. There is no magic fairy dust that is sprinkled on…