The Hope in the Middle Podcast with Pastor Alan McGrath - messages of encouragement to help us live in the joy for which we were created. Find more at hopeinthemiddle.com. Notes:

• Not all, but some of this information can also be found in Dave Ramsey's Financial Peace University Class. Go online to find a class near you.
• These tips are about JOY, not getting rich.
• #1 - Set a budget (and have patience in the process)
• #2 - Build an emergency fund
• #3 - Don't lend money to friends and family (if desired, just give it to them)
• #4 - Use cash
• #5 - Use a set aside account (pay the annual bills on a monthly basis)
• #6 - 24 Hour Rule - when you feel the adrenaline rushing, go home and sleep on it
• #7 - Major Surgery - some may need to make big decisions to find financial freedom
• #8 - Give
• #9 - Find a financial mentor (maybe a financial adviser)