Utah's Hope

It's good for your child's development for them to experience adventure. John Fuller and Dr. Danny Huerta talk about some fun adventures they went on with their own kids. Also, Greta Eskridge joins Jim Daly to explain how letting your kids experience new things can help them develop as people. Find us online at focusonthefamily.com/parentingpodcast. Or call 1-800-A-FAMILY.

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Gabe and Rebekah Lyons equip couples to fight for connection in their marriage and break unhealthy patterns of conflict. Listen in to find out how they shared and processed their origin stories to better understand their emotions and know each other more deeply.

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Learn the list of things that should be a part of every believer's belief system.

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Inflation may have cooled—but for many households, the credit card balances built up in recent years are still very real. Many families navigated rising costs by relying on credit cards. Now, even though inflation has eased, the balances—and the interest—remain. On the next Faith & Finance Live, Rob West and Neile Simon share how credit counseling can help. Then, it’s on to calls. That’s Faith & Finance Live—where biblical wisdom meets today’s financial decisions—weekdays at 4pm Eastern/3pm Central on Moody Radio.

Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.

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Topics: 

Marriage, Sick Burns Of the Bible, Social Pecking Order, Cole Slaw, Betrayal, Masterclass, New iPhone, Shorts Spamming, Justice, A Nobody, Hot Take

BONUS CONTENT: Hot Take Follow-up

Quotes:

"Don't count yourself as some big shot and maybe someone will elevate you."

"Jesus always gives us a much better way to live."

"Who's Cole? Who's slaw?"

"Let's pledge to do better."

"We get to grow up!

Writer Abigail Geiger and sound designer Zach Schneider explore the making of “The Measure of a Patriot,” and how Odyssey brought the founding era to life with gratitude and perspective.

Inflation has cooled from its recent highs, but for many households, the financial strain has not disappeared. Over the last several years, families have faced rising costs for groceries, insurance, housing, utilities, and other everyday needs. And for many, credit cards became the tool they used to make ends meet.

Neile Simon, a Certified Credit Counselor and Director of Strategic Partnerships at Christian Credit Counselors, joins the show today to share how many families are now carrying the balances they built up during those difficult years. And with credit card interest rates often running between 22% and 30% APR, making real progress can feel almost impossible.

That is where credit counseling can help.

Many households are not dealing with credit card debt because of careless spending. In many cases, families were simply trying to stay afloat. When wages do not keep pace with rising expenses, even a well-intentioned budget can become difficult to maintain.

Then, once balances accumulate, high interest makes repayment feel overwhelming. A family may make payments faithfully each month, only to see most of that money go toward interest rather than reducing the principal.

For some, the pressure has increased further as student loan payments have resumed, placing added strain on budgets already stretched thin.

The result is a cycle that can feel discouraging: payments continue, but the balance barely moves.

One encouraging trend is that financial literacy is growing. More people are becoming proactive in understanding their options, learning how debt works, and seeking responsible ways to repay what they owe.

Online tools and educational resources can be helpful, especially when they explain the difference between debt management and riskier debt settlement programs. But every financial situation is unique. That is why it is wise to talk with a trained counselor who can review your specific circumstances and help you create a plan.

Early action can make a significant difference. The sooner someone seeks guidance, the more options they may have.

Credit counseling is designed to help people break the cycle of high-interest payments and begin making real progress. A reputable credit counseling agency can review your income, expenses, debts, and goals, then help you determine the best path forward.

For many people, that may include a structured debt management plan. Through Christian Credit Counselors, for example, clients may be able to reduce credit card interest rates to between 1% and 12% APR, with rates fixed for the length of the program.

That can make a major difference. Lower interest means more of each payment goes toward reducing the balance. In many cases, monthly payments may also be lowered, creating more breathing room in the budget.

For those who have fallen behind, enrollment in a credit counseling program can also help stop late fees and collection calls. But most importantly, it allows clients to repay their debt responsibly and honor their commitments in full.

At FaithFi, we appreciate credit counseling because it offers a practical and responsible way to address debt without pretending the debt does not matter. The goal is not to avoid responsibility, but to create a wise plan for repayment.

That is one reason we value the work of Christian Credit Counselors. Their approach is not merely transactional. They care for the people they serve, build relationships with clients, pray with them, and seek to ease the stress and strain of credit card debt b

A car can’t go anywhere without an engine. A car better not go anywhere without a steering wheel! A car needs propulsion and direction. You know, so do believers. And today on A NEW BEGINNING, Pastor Greg Laurie points out how it’s the Spirit of God who provides both. He leads us in the path we should go. And He gives us the spiritual strength to make the journey. You’ve joined us for an encouraging series today called “Refresh: What Every Christian Needs to Know.”

Experience the Harvest Crusade on July 11 when you watch online!

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Become a Harvest Partner today and join us in knowing God and making Him known through media and large-scale evangelism, our mission of over 30 years.

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You've got group texts, social feeds, work friends, church friends, and hundreds of contacts in your phone. So why does it still feel like nobody really knows you? Author Jennie Allen talks about the loneliness hiding in plain sight—and why Christian community takes more than proximity, good intentions, or another potluck.

Show Notes and Resources

• Get Jennie's book  "Find Your People: Building Deep Community in a Lonely World" on our shop.  

• Learn more about Jennie on her website jennieallen.com

• Get more information about the IF:Gathering 

• Janelle Breitenstein’s 5-session video series on mom anger at familylife.com/momanger

• Thanks to the Christian Standard Bible for sponsoring this episode. Learn more at CSBible.com.
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