christian family finances guide


Step-by-step Action Plan To Help Set You On The Path To Financial Freedom
By Greg McTaggart

America—it is time to get rid of your debt! Financial experts David Bach, Jean Chatzky and Glinda Bridgforth offer their step-by-step action plan to help set you on the path to financial freedom.

PHASE 1
Give yourself one month to complete these steps—you can do one a week!

Step 1: How much debt do you really have?
It's time to get real about your debt. Do you know how much living with debt is costing you?

Step 2: Track you’re spending and find extra money to pay down debt
Time to cut back on the extras. Use David Bach's Latte Factor® calculator to find big savings where you least expect them! It is time to start paying you.

Step 3: Learn to play the credit card game
Think $10 a day won't make a big difference in your debt? Think again! With this plan you can pay off $8,000 in credit card debt in just 3 years.

Step 4: Stop spending
Making small changes can help in a big way. Use these tricks to help you spend less and save more.

PHASE 2
In the second phase of the Debt Diet, the steps become more detailed and have more long-term goals.

Step 5: Create a monthly spending plan
Use the monthly spending plan worksheet and calculator to create a budget that you can stick to—and save with—every paycheck.

Step 6: Take big steps


The week we got our tomato seedlings and herb sprouts in the ground is the week I finally sat down and read Dave Ramsey?s Total Money Makeover. Both things speak to me of the value of being self-sustainable in a nation underwater in debt.

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Let?s talk about some practical things we can do that might save big dollars on insurance costs.]]>

From time to time, we all need "refreshers" to pull us back onto the path that God has set before us. Here's a refresher we all need to practice: five simple steps to debt-free living. ]]>

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Hi Roger, I make significantly more money than my husband. I want to be able to tithe on the money I make and he doesn't want me to.]]>

During an interview, many job applicants get caught unprepared when asked salary questions. Poor answers to money questions can cost the applicant the job, or if hired, can result in being paid thousands of dollars less than the employer would have been willing to pay. ]]>

Dear Deborah, Can you help us decide how to use our tax refund? ~ Dear Deborah, What is the "rule of 72"?]]>

How much should I give, and where should I give?]]>

Growing up, I watched the hardest working man I knew, my grandfather, lose his entire life savings. Here's where he went wrong.]]>

For some of us, instead of focusing on getting out of debt, we need to first give more serious thought to becoming organized. Does that sound crazy, almost laughable? Before you start laughing too hard, look at these examples and see if you can relate...]]>


to grow your income
Whether it is selling your assets or getting a second job, sometimes you have to make big choices to get out of debt.

Step 7: Prioritize your debts and raise your credit score
Confused about which debts to pay off first? Here's a plan to pay down your debt while actually improving your credit score!
Step 8: Understand your spending issues…and save!


Get to the heart of why you spend. Then, find out how to resist temptation and build an emergency fund.

About One, Inc.
Christian Credit One, Inc. is a national, non-profit Christian Credit Counseling organization dedicated to helping consumers achieve financial wellness through counseling and education. Established in 1994, One has helped over two million individuals achieve financial security. One is one of the top members of the American Association of Debt Management Organizations (AADMO), One manages clients across the country. Personalized and confidential consultations are available in person, by phone or online.


Greg McTaggart, Certified Credit Counselor with 22 years experience, licensed by AFCPE, Director of Christian Credit One and is an expert in budget and Christian credit counseling

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The week we got our tomato seedlings and herb sprouts in the ground is the week I finally sat down and read Dave Ramsey?s Total Money Makeover. Both things speak to me of the value of being self-sustainable in a nation underwater in debt.]]>

Let?s talk about some practical things we can do that might save big dollars on insurance costs.]]>

From time to time, we all need "refreshers" to pull us back onto the path that God has set before us. Here's a refresher we all need to practice: five simple steps to debt-free living. ]]>

]]>

Hi Roger, I make significantly more money than my husband. I want to be able to tithe on the money I make and he doesn't want me to.]]>

During an interview, many job applicants get caught unprepared when asked salary questions. Poor answers to money questions can cost the applicant the job, or if hired, can result in being paid thousands of dollars less than the employer would have been willing to pay. ]]>

Dear Deborah, Can you help us decide how to use our tax refund? ~ Dear Deborah, What is the "rule of 72"?]]>

How much should I give, and where should I give?]]>

Growing up, I watched the hardest working man I knew, my grandfather, lose his entire life savings. Here's where he went wrong.]]>

For some of us, instead of focusing on getting out of debt, we need to first give more serious thought to becoming organized. Does that sound crazy, almost laughable? Before you start laughing too hard, look at these examples and see if you can relate...]]>

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