Personal Capital Review | Track Your Finances Online for Free

Several months ago, I signed up for a Personal Capital account so that I could try it out and let you know what I think. In my best personal finances software post, I explain that your needs are the biggest factor in determining the best tool for you.  Personally, I like to track my finances, but I do think there is such a thing as spending too much time and energy tracking your … [Read more...]

Pay Off Debt Without Earning More, Changing Your Habits, or Spending Less

I hope you opened this article simply because you decided that I've had some type of mental breakdown.  The truth is you can't pay off debt using the method in the title. I was driving around in my car the other day and there was an advertisement for a weight loss pill or drink mix.  The ad promised that you could lose weight without exercising and without eating less. WHAT?! There should … [Read more...]

6 Persuasive Reasons Not to Track Your Investments with Financial Software

In preparation for my post on my new favorite budgeting software, I was originally explaining why I no longer want a personal finance software that tracks my investments. The explanation got longer and longer until I finally realized the material need its own post. This post. 6 Reasons Not to Track Your Investments In Your Financial Software There is no value in watching your … [Read more...]

What Your Financial Advisor Won’t Tell You About How to Successfully Reduce Your Nest Egg

The longer I maintain www.moneyhelpforchristians.com, the less money it seems like I'm going to have. From the very first days of this blog, I was open about the fact that I wanted to learn  what the Bible had to say about money (as opposed to assuming that I already knew). I used to have a simple and effective retirement strategy ... and then I had to go reading the Bible.  The result?  I … [Read more...]

How I Consistently Get Thousands of Dollars of Free Flights Annually

With all the anti-credit card sentiments out there, I usually try to repress my true feeling about credit cards. Occasionally, I slip and say positive things about credit cards. I think my last positive mention was during the British Airways 100,000 mile promotion. Here's a basic summary of my thoughts on credit cards. If you are organized and disciplined, using credit cards can be anywhere … [Read more...]

The Simplicity and Complexity of Debt

Debt. It's a huge issue facing North American Christians and churches.  It is debt that is choking.  Straining.  And burdening so many people. Debt is consuming resources like money, time, mental energy, and focus.  Those resources ought to be devoted to other more important things.  But they can't because future funds have already been committed to pay for things people couldn't afford … [Read more...]

Best Ways to Maximize Cash, Credit Card, and Debit Card Rewards

Yesterday, Jason was kind enough to write a guest post on how he maximized rewards.  Today, I’ll give my thoughts on the subject and share what I believe are the best methods for maximizing your credit card and debit card rewards. #1 Cash: Reward Potential – Unlimited if it Helps You Stay within Budget You might be thinking that you don’t get any cash back with cash.  Yes, that is true. But for … [Read more...]

How to Get Your FICO Credit Score Online (Any Free FICO Score Options?)

Confession time.  At this time last year I’d never checked my FICO credit score. About 5-6 months ago I decided that your FICO score matters, and so I signed up for a free account at Credit Karma (at the time I didn’t know that Credit Karma doesn’t even give you your FICO credit score, but other credit scores) to help me monitor what’s happening with my credit.  Before that point, I’d never … [Read more...]

8 Ways We’ve Saved Money in the Last 8 Days

Every day most of us pursue opportunities to save money. The things listed below are really good ideas, and I think you should try them, too.  Other ideas are simply silly, but still things I do. 1.  I shaved with an electric razor and a blade razor. I love the feel of a blade razor.  I don’t know if my face is broken or what, but electric razors never seem to get a close enough shave.  … [Read more...]

The Tragedy of Debt

Over the last few weeks, I’ve been convinced that I need to take a stronger stance against debt and offer more resources for people who are in debt.  I feel like I need to point out both the seriousness and ludicrosity (yes, I made up that word) of debt. As I’ve been working on my call for simple living and generous giving (in the form of a book called Transforming Your Financial Diet: 7 Steps … [Read more...]