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  • Faith & Finance - Christmas Spending Without the Regret with Neile Simon

    The holidays are meant to be a season of joy, generosity, and gratitude. Yet for many families, the celebrations come with a heavy dose of financial stress—stress that lingers long after the decorations are packed away. Our desire to bless others often leads to spending more than we planned. But it doesn’t have to be that way.

    Recently, we sat down with Neile Simon, Certified Credit Counselor and Director of Strategic Partnerships at Christian Credit Counselors, to talk about how families can give meaningfully, stay within their means, and refocus on what Christmas is truly about.

    Creating a Realistic Holiday Plan

    Most people enter the holiday season with the best of intentions. We want to show love, bless others, and create special memories. But somewhere along the way, those intentions can derail.

    Neile explains that a mix of cultural pressures makes overspending almost effortless: holiday sales, credit card offers at checkout, “buy now, pay later” deals, and social media’s endless highlight reels. Before long, the drive to be generous morphs into the belief that we must spend more to prove how much we care.

    And the consequences last far beyond December—financial stress, increased debt, and a January filled with regret rather than joy. The good news: overspending isn’t inevitable. Neile suggests starting early and planning intentionally.

    1. Decide what you can truly afford. Account for all holiday expenses—gifts, food, travel, entertainment, and even small traditions that add up.

    2. Set a total spending limit. Let this number guide every decision throughout the season.

    3. Use cash or debit when possible. “When the money’s gone, you’re done—and that’s okay,” Neile says. This simple boundary protects you from impulse spending.

    4. If using credit cards, treat them as tools—not the enemy. Used wisely, they can help you track your spending. The key is to stay disciplined and avoid taking on debt you can’t comfortably repay.

    Ultimately, a budget is not a restriction—it’s a path to freedom. It helps you enjoy the season without dreading the bill that arrives in January.

    Meaningful Giving Without Overspending

    Generosity isn’t measured by price tags. In fact, the most meaningful gifts are often the simplest.

    Neile encourages families to focus on personal, relational giving:

    • Handwritten notes
    • Homemade treats
    • Shared experiences
    • Thoughtful, small gifts with clear intention

    Her own family keeps gift-giving fun by setting spending limits and doing a white-elephant exchange. “It takes the pressure off,” she says, “and turns gift-giving into shared laughter and memory-making.”

    When togetherness becomes the priority over possessions, Christmas becomes both more joyful and more affordable.

    If You’re Already in Debt, There’s Hope

    For families already carrying debt, Christmas can feel like a tug-of-war between generosity and financial reality. Neile offers this encouragement: give within your means—even if it means scaling back.

    Why? Because responsible giving protects your finances, your peace, and your future.

    “Think of it this way,” Neile says. “A relaxed, stress-free January is far better than stressing out after overspending in December.”

    Scaling back isn’t failure—it’s stewardship. And it models wisdom and faithfulness for your children.

    Refocusing on the True Meaning of Christmas

    Amid the lights, the gifts, and the traditions, it’s easy to lose sight of the heart of Chri

    25 min
  • Living on the Edge with Chip Ingram Daily Podcast - An Attitude to Embrace, Part 1

    Chip's series on James 1 offers God's hope and insight for facing trials and fear today.

    3 Observations about life in a fallen world

    1. Trials are inevitable

    2. Trials tend to “make us” or “break us”

    3. Victims fail to move beyond asking “why” and remain stuck in their pain

    A word from God to those whose world is “falling apart.” -James 1:1-4

    1. What can I control? -My ATTITUDE

    2. What must I do to make it through today? -ENDURE

    3. What hope do I have for tomorrow? -God will take the WORST and use it for my BEST

    How God uses adversity to mature us

    1. We're forced to DEPEND on God at a new level. Left alone, we're self-sufficient, proud, and insensitive to Him.

    2. We're WEANED from the temporal, urgent, and worldly affairs of life. We're forced to REEXAMINE our values, priorities, commitments, and future.

    3. Trials let us WITNESS God's reality and power first-hand. Our need becomes the vehicle of His grace; our problems the object of His power.

    4. They serve as a TESTIMONY to the unbelieving world. How we endure hardship shows the world how real God is.

    5. We become sensitive, caring, and compassionate CHRIST-LIKE people. Those hurt deeply tend to love deeply.

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    25 min
  • Bold Steps with Dr. Mark Jobe - The Law of Seasons -- Part 1

    Ever wonder why your life keeps producing the same results?  Today on BOLD STEPS, Mark Jobe reveals a powerful truth about sowing and reaping.  From practical wisdom in Galatians, you’ll see how what you plant today determines your harvest tomorrow.  Change your future by changing what you’re sowing now, listen to Bold Steps with Mark Jobe.

    Bold Step Gift: Bread and Bibles - Dr. Gregg Quiggle

    Become a Bold Partner: https://www.moodyradio.org/donateto/boldsteps

    See omnystudio.com/listener for privacy information.

    26 min
  • A Love Language Minute - Intimacy While Dating

    Being intimate before marriage is wrong. Ultimately, it's the man who should show leadership by setting boundaries. If he doesn't show leadership in this area, it's probably an indication as to his thinking about other Biblical standards.

    Donate to Moody Radio: http://moodyradio.org/donateto/lovelanguageminute

    See omnystudio.com/listener for privacy information.

    1 min
  • Faith and Freedom - SCOTUS Hears Pro-Life Pregnancy Center Case Tomorrow

    The case may also have significant implications regarding free speech, association, and donor privacy. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved, visit LC.org.

    11 min
  • Be Still and Know Daily Bible Devotion - December 1st - Revelation 2:4

    Revelation 2:4

    [The risen Lord said:] “I have this complaint against you. You don’t love me or each other as you did at first!”

    Many of us will be more familiar with an earlier translation of these words: “you have lost your first love”. The Christians in Ephesus had done so well. They had been strong in the face of opposition but, in the process, they had lost their early passionate love for the Lord and for one another.
    We don’t know what had caused them to lose their first love, but we all know how easily it happens. The normal cause is simply distraction. Life gets busy, and even the most important things can be crowded out. In Ephesus, the Christians had had to work really hard to survive amid all the opposition. They had been infiltrated by false teachers, but they had tested them and found them out. The Lord commended them for standing up so strongly for their faith and particularly for the way they had resisted a group called the Nicolaitans. All of that was excellent, but along the way they had lost sight of love.
    Paul emphasised the priority of love in his first letter to the church in Corinth. Once again, it was a church where there was much to commend. The church had received some amazing spiritual gifts, but Paul assured them that however great their gifts, they were all a complete waste of time without love. Even if they could speak like angels, understand every mystery and have the faith to shunt mountains around, they were missing the point if they didn’t have love (1 Corinthians 13).
    Love is so important that we all need to keep on our toes. We need to watch out for those things that can push it away so easily. Love is the key, and without it we cannot do God’s work.

    Question

    What can we do to keep our love for the Lord and one another alive?

    Prayer

    Loving God, thank you that you love me perfectly. Help me to keep on loving you and those around me, however busy I become and whatever the pressures. Amen

    4 min
  • No Agenda Show - 1821 - "Genesis"
    No Agenda Episode 1821 - "Genesis"

    "Genesis"

    Executive Producers:

    L.E. Hovdenes

    Jason Radak

    Crypto Granny in Bangkok

    Associate Executive Producers:

    Christopher Graves - Little Johns Candies

    Eli the coffee guy - Gigawatt Coffee Roasters

    Linda Lu, Duchess of jobs & writer of winning résumés

    Become a member of the 1822 Club, support the show here

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    Knights & Dames

    Josiah Hendrickson > Sir Wire Cowboy

    Art By: Comic Strip Blogger

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    3 hr 13 min
  • The Mark Driscoll Podcast - Why Families Fall Apart
    Find out why the world's design for family will always fail and how to architect your family in a way that it will survive the test of time.

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    1 hr
  • The Bible Study Hour on Oneplace.com - The Heart of the Bible
    Romans chapter three is really the heart of the Word of God. It’s the Gospel presented in its purest and most condensed form, showing both our need and the solution to that need through the work of Jesus Christ. Join Dr. James Boice next time on The Bible Study Hour as he directs our attention to the simple, yet profound truths contained in this powerful passage of Scripture.
    To support this ministry financially, visit: https://www.oneplace.com/donate/81/29?v=20251111
    25 min

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