So many churches take different approaches to raising money. What’s the difference between a pledge and a faith promise? Typically you hear these terms if a church is having a building or expansion program. Rob West and Steve Moore explain that it’s best to budget for expansion and save for it. But often churches will raise the money from their members.Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-We’ve owned a lot of timeshares over the years. As we get older, we realize that our children don’t want them. Do you have advice on how to sell them?

- I lost my good-paying job about 5 years ago and have racked up a log of debt. Is it morally right to declare bankruptcy?

-I’m a divorced mom of 2. In the divorce, I got the house, but the upkeep is strapping us financially. Do you recommend refinancing it and repairing it? Or selling it?

Be sure to check out our new website at moneywise.org to connect with a Compass Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook and get notifications about our weekly Facebook Live events. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

So many churches take different approaches to raising money. Whats the difference between a pledge and a faith promise? Typically you hear these terms if a church is having a building or expansion program. Rob West and Steve Moore explain that its best to budget for expansion and save for it. But often churches will raise the money from their members.Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-Weve owned a lot of timeshares over the years. As we get older, we realize that our children dont want them. Do you have advice on how to sell them?

- I lost my good-paying job about 5 years ago and have racked up a log of debt. Is it morally right to declare bankruptcy?

-Im a divorced mom of 2. In the divorce, I got the house, but the upkeep is strapping us financially. Do you recommend refinancing it and repairing it? Or selling it?

Be sure to check out our new website at moneywise.org to connect with a Compass Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook and get notifications about our weekly Facebook Live events. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

Memorial Day is the day we as Americans honor those who have given the ultimate sacrifice and their families. But we must remember that there are still troops deployed in active service. From a financial standpoint, soldiers often face real challenges. Financial planning can go a long way toward helping service men and women make the most of their earnings while they’re deployed.Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-I own an automotive detail shop. I’ve got plenty of vehicles coming in, but I can’t seem to make a profit. Can you give me some advice?

- I’ve owned a home for 30 years, but I’ve only lived in it for 8 years. I’m moving back into the house pretty soon. Once I’ve lived in it for a while, should I sell it? Or rent it out?

-I’ve invested some life insurance proceeds in church bonds. They usually pay off early, and I need to make decisions on how to reinvest them. Should I look into other options?

Be sure to check out our new website at moneywise.org to connect with a Compass Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook and get notifications about our weekly Facebook Live events. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Memorial Day is the day we as Americans honor those who have given the ultimate sacrifice and their families. But we must remember that there are still troops deployed in active service. From a financial standpoint, soldiers often face real challenges. Financial planning can go a long way toward helping service men and women make the most of their earnings while theyre deployed.Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-I own an automotive detail shop. Ive got plenty of vehicles coming in, but I cant seem to make a profit. Can you give me some advice?

- Ive owned a home for 30 years, but Ive only lived in it for 8 years. Im moving back into the house pretty soon. Once Ive lived in it for a while, should I sell it? Or rent it out?

-Ive invested some life insurance proceeds in church bonds. They usually pay off early, and I need to make decisions on how to reinvest them. Should I look into other options?

Be sure to check out our new website at moneywise.org to connect with a Compass Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook and get notifications about our weekly Facebook Live events. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

There’s an upside to be a two-income family: More people brining home more money. But what if we told you that there was a downside as well? It may make more sense for you to live on just one. Today Rob West and Steve Moore help us count the cost by investigating the time and money that are required to live on two incomes. Next, Rob and Steve answer your questions at (800) 525-7000 and [email protected] about the following:

In 2016 we refinanced our townhome, but we only put the mortgage in my husband’s name. He had a heart attack in December. Should we refinance with my name on it?

I’m 65 and we don’t have much saved for retirement. We can sell our home with a hefty profit. Should we sell the house and put the money into retirement?

I opened a CD for my granddaughter when she was born. She’ll be 21 this summer, but I don’t want to give her such a large sum all at once. How should I proceed?

Be sure to click the link above to check out our website (MoneyWise.org) to connect with a Compass Coach or access our books, videos, or any of our free helpful resources. You can also find us on Facebook and get notifications about our weekly Facebook Live events. Thanks for your prayerful and financial support that helps keep MoneyWise on the air. And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Theres an upside to be a two-income family: More people brining home more money. But what if we told you that there was a downside as well? It may make more sense for you to live on just one. Today Rob West and Steve Moore help us count the cost by investigating the time and money that are required to live on two incomes. Next, Rob and Steve answer your questions at (800) 525-7000 and [email protected] about the following:

In 2016 we refinanced our townhome, but we only put the mortgage in my husbands name. He had a heart attack in December. Should we refinance with my name on it?

Im 65 and we dont have much saved for retirement. We can sell our home with a hefty profit. Should we sell the house and put the money into retirement?

I opened a CD for my granddaughter when she was born. Shell be 21 this summer, but I dont want to give her such a large sum all at once. How should I proceed?

Be sure to click the link above to check out our website (MoneyWise.org) to connect with a Compass Coach or access our books, videos, or any of our free helpful resources. You can also find us on Facebook and get notifications about our weekly Facebook Live events. Thanks for your prayerful and financial support that helps keep MoneyWise on the air. And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

Steve and Rob reference the following scripture passages in today’s program:

Proverbs 21:17 - Whoever loves pleasure will become poor; whoever loves wine and olive oil will never be rich.

Galatians 5:22-23- But the fruit of the Spirit is love, joy, peace, forbearance, kindness, goodness, faithfulness, gentleness and self-control. Against such things there is no law.

Proverbs 25:28 - A man without self-control is like a city broken into and left without walls.

There are a lot of reasons people can’t save money.Maybe they’re in debt; maybe there isn’t enough income, maybe they don’t have good money-management skills or perhaps, spending has become a compulsion.Nonetheless, saving if vital for successful financial living.

Today, Rob and Steve discuss reasons why to save and how to save.

The Bible encourages us to save.

Even a small amount adds up over time.

A good guideline is putting aside 10% from each paycheck and save in a separate account.

Saving is another way of worshipping God.

Key to saving is self-control.Without self-control, finances will dictate decisions.

Next, Rob and Steve answer questions at (800) 525-7000 [email protected] the following:

Aaron from Grand Junction, Colorado wonders about the differences between a Roth IRA and a 403(b) fund.

Linda from Cleveland, Ohio wonders about current resources available for people buying their first-time home.

Derrick from St. Louis, Missouri wonders if he should use a balance transfer to consolidate some of his debt .

Money and life don’t run on independent tracks; they exist together.Unfortunately, they often seem to be in direct competition with each other.In Never Enough Three Keys to Financial Contentment,author Ron Blue helps you break down all your financial options to a basic four and then shows you how to keep those running alongside one another without confusion or regret.

Find this and other resources when you scroll to the bottom of the page athttps://moneywise.org.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Steve and Rob reference the following scripture passages in todays program:

Proverbs 21:17 - Whoever loves pleasure will become poor; whoever loves wine and olive oil will never be rich.

Galatians 5:22-23- But the fruit of the Spirit is love, joy, peace, forbearance, kindness, goodness, faithfulness, gentleness and self-control. Against such things there is no law.

Proverbs 25:28 - A man without self-control is like a city broken into and left without walls.

There are a lot of reasons people cant save money.Maybe theyre in debt; maybe there isnt enough income, maybe they dont have good money-management skills or perhaps, spending has become a compulsion.Nonetheless, saving if vital for successful financial living.

Today, Rob and Steve discuss reasons why to save and how to save.

The Bible encourages us to save.

Even a small amount adds up over time.

A good guideline is putting aside 10% from each paycheck and save in a separate account.

Saving is another way of worshipping God.

Key to saving is self-control.Without self-control, finances will dictate decisions.

Next, Rob and Steve answer questions at (800) 525-7000 [email protected] the following:

Aaron from Grand Junction, Colorado wonders about the differences between a Roth IRA and a 403(b) fund.

Linda from Cleveland, Ohio wonders about current resources available for people buying their first-time home.

Derrick from St. Louis, Missouri wonders if he should use a balance transfer to consolidate some of his debt .

Money and life dont run on independent tracks; they exist together.Unfortunately, they often seem to be in direct competition with each other.In Never Enough Three Keys to Financial Contentment,author Ron Blue helps you break down all your financial options to a basic four and then shows you how to keep those running alongside one another without confusion or regret.

Find this and other resources when you scroll to the bottom of the page athttps://moneywise.org.

Celebrating progress on your journey to financial freedom is a key to arriving there. You’re much more likely to reach the next destination if you celebrate the one you’ve just reached! We need to balance our financial challenges by celebrating when good things happen. Today Steve Moore and Rob West explore the Old Testament to discover more than 50 mentions of celebration. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

- I’m 22 and I’m trying to figure out how to budget

- I have made some bad choices financially. I now have a budget, but it’s really tight. Can you give me some advice on how to get some savings?

-We owned a restaurant, but ran into financial problems. We’ve sold it, but the buyer is making payments. How can I figure out how to pay my debts based on when the payments are coming in?

- I’m retiring soon. We’ve lived within our means and have a decent savings account. Is it better to do a monthly annuity check on my pension? Or take it as a whole?

Be sure to check out our new website at moneywise.org to connect with a Compass Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook and get notifications about our weekly Facebook Live events. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Celebrating progress on your journey to financial freedom is a key to arriving there. Youre much more likely to reach the next destination if you celebrate the one youve just reached! We need to balance our financial challenges by celebrating when good things happen. Today Steve Moore and Rob West explore the Old Testament to discover more than 50 mentions of celebration. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

- Im 22 and Im trying to figure out how to budget

- I have made some bad choices financially. I now have a budget, but its really tight. Can you give me some advice on how to get some savings?

-We owned a restaurant, but ran into financial problems. Weve sold it, but the buyer is making payments. How can I figure out how to pay my debts based on when the payments are coming in?

- Im retiring soon. Weve lived within our means and have a decent savings account. Is it better to do a monthly annuity check on my pension? Or take it as a whole?

Be sure to check out our new website at moneywise.org to connect with a Compass Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook and get notifications about our weekly Facebook Live events. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.