2023-02-03 02:30
It’s hard enough to deal with the topic of our own death let alone what will happen to our possessions once we pass away. Setting up a family inheritance can get complex and technical… Read More
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Luke1428 - Hope For Your Financial Journey And Bey Blog
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Hope for your financial journey and beyond
2022-11-21 02:25
Yes, I know. What a strange thing to write about during the week of Thanksgiving. There are so many more important things to be thankful for. Certainly family, friends, freedom and prosperit… Read More
2022-10-06 02:35
Are you unable to stay the course? Many people have difficulty with this when it comes to completing a task. Somewhere along the way, for whatever reason, they give up, never to reach their… Read More
2022-09-20 00:50
Getting involved in a car accident is something no one wants to experience. Yet most will at some point. A 2020 report by Esurance found that 77% of all drivers have had at least one acciden… Read More
2022-09-01 21:05
Have you ever thought about freelance work as a side hustle to earn extra income or as your main way of making a living? Many people do, for either of those reasons, including myself at one… Read More
2022-07-08 14:39
Debt has become the standard way for people to manage their financial life. Instead of cash, families and individuals are turning to credit more and more. It seems an easier form of payment… Read More
2022-06-27 13:20
One question I routinely get asked by friends and readers of this site is, “Can you teach me how to save money without losing track of what it’s for? How do you account for your… Read More
2022-06-07 14:20
Have you started thinking about your retirement plan? For most, the retirement plan consists of saving enough money to cover their life expenses after they stop working. More than likely, th… Read More
2022-04-17 16:20
We don’t often think of Easter as the holiday of giving. Giving is most characterized by the Christmas season. We love giving presents to show those we love how much we care about them… Read More
2022-03-03 08:30
If there is one thing I’ve discovered while monitoring my own finances through the years it’s this – the future is friends with worry. It’s inevitable. At some point… Read More
2022-02-28 08:30
I marvel at how Wall Street creates wealth. This even happens sometimes through high risk investing. An investor purchases a few 100 shares in a small company that hits it’s stride or… Read More
2022-02-24 08:30
“But Jesus looked at them and said to them, ‘With men this is impossible, but with God all things are possible.” – Matthew 19:26
On one occasion in the Bible a rich y… Read More
2022-02-17 08:30
Is it ever OK to buy a new car? You won’t find many people in the personal financial space advocating that practice. Why? Because a car is a depreciating asset, meaning that it goes do… Read More
2022-02-10 08:30
Every builder knows you need a strong foundation to support a house. Well, accept one builder described in the Biblical parable of the wise and foolish builders. He could have made a better… Read More
2022-02-07 08:30
My wife and I have long enjoyed the benefits that come with owning rental real estate. The extra income each month has given us freedom within our monthly budget to fund things like our pers… Read More
2022-02-03 08:30
The title of this post makes me laugh. Who would have thought the words “Jesus” and “side hustle” could be used in the same sentence to communicate a personal finance… Read More
2022-01-31 08:30
Perhaps you’ve had this experience with your monthly budget money:
At the beginning of the month you allocated “X” amount for a particular budget category. Due to clipping… Read More
2022-01-27 08:30
You’ve probably heard the saying, “All that glitters is not gold.” Well, society would tell us differently. And so would one of the most iconic movie scenes of all time.
In… Read More
2022-01-17 08:30
What if? We all ask that at some point, maybe even about your net worth. It’s a reflective question, focused on things that have happened in the past. What could have resulted if the e… Read More
2021-12-21 02:00
In December, everyone’s focus is Christmas. There are so many activities to attend, so many destinations to travel to, and so much delicious food to consume. And there will be so much… Read More
2021-12-21 01:42
Retirement is something every working person needs to think about, no matter how young they are. The simple reality is that, at some point in your life, you are going to have no income. You… Read More
2021-12-16 03:20
My wife and I never go shopping for Christmas gifts on Black Friday. I don’t care how good the deals are the crowds are just too much for us. We are more Cyber Monday or wait until the… Read More
2021-11-26 08:00
Are you looking for an alternative to Christmas gift giving? I get it. Christmas is one of the highlights of our family’s year. In my mind nothing beats it for family togetherness and… Read More
2021-11-07 13:35
We’ve all had moments in life when we were granted first and second chances even though we probably didn’t deserve it. Remember that first big break? Can you relive the feeling?… Read More
2021-10-08 02:01
Parents (and some schools) have often given money for good grades as a tool to motivate their kids to do well in school. During my years as teacher and principal at several private schools… Read More
2021-07-29 21:50
Are you sick and tired of your job? Wish you could win the Mega-Millions Jackpot and escape to paradise, never to work again? If so, maybe some reflection and a new perspective is in order a… Read More
2021-07-19 16:20
As a landlord, I would love to keep tenants in my properties forever. While some stay a long time, most eventually leave to seek housing elsewhere. This is either by personal choice or throu… Read More
2021-06-01 13:00
Memorial Day marks the official beginning of summer. For teens and college students that means one of three things. Either you are:
a) continuing school by choice (to get ahead) or out of ne… Read More
2021-05-13 02:25
Please enjoy this guest post today from Mary Kyle on growing your Instagram business.
Are you spending more hours on Instagram every day? Have you ever thought about making it more tha… Read More
2021-05-09 14:14
The COVID-19 pandemic has left many in a financial ruin (or at least in less-than-ideal financial circumstances). People are reeling from what the shutdown and quarantines did to the economy… Read More
2021-04-26 03:10
Like so many young boys, my love affair with baseball cards began in Little League. Each week our coach would give us a $1 to spend at the concession stand after the game. I spent my money o… Read More
2021-04-13 09:45
Would you feel financially secure if you became a millionaire? I’d say most people would. A million dollar net worth provides the cushion you’d need to weather almost any financi… Read More
2021-03-20 20:30
Did you have an appliance or other household items that need repairing? We have had several big household items hit our budget over the years. The washer-dryer combo, a new refrigerator and… Read More
2021-03-15 00:40
Paying off the mortgage early is a hot topic when it comes to money management. There seems to be a good amount of quality logic for keeping it and equally valid logic for paying it off earl… Read More
2021-03-02 04:00
A while ago, I wrote about how Sam’s Club had introduced a Scan-and-Go app that allows you to scan the barcodes of your items as you shop. It records each scan in a digital shopping ca… Read More
2021-02-12 14:30
“But love your enemies, do good, and lend hoping for nothing in return; and your reward will be great…” – Luke 6:35
I can easily love my wife. She is precious to me… Read More
2021-02-08 08:00
“Go to the ant, you sluggard! Consider her ways and be wise.” That verse from Proverbs 6:6 contains an odd word we rarely use today – sluggard. The first thing I think of… Read More
2021-02-01 04:15
I have been interested in personal finance for quite some time now and love to help with money. I could teach the subject and dish out solid advice for hours. In fact, that’s what I do… Read More
2021-01-25 05:30
For a significant portion of our adult life, my wife and I chose to live without the use of a credit card. 99% of the time we had no issues when it came to making purchases. We would simply… Read More
2021-01-04 08:00
When was the last time you took inventory of your personal finances? It’s so easy to get things set in place and then just ignore them. Who really wants to continually review all the f… Read More
2020-12-30 19:42
Ugh…Wow! That’s the basic starting point for describing 2020 to most people. A year that FDR might say will live in infamy. If you would have told me in December of 2019 that fo… Read More
2020-12-24 20:20
Many believe in the important of Christmas traditions. Christmas traditions create strong emotional connections between people or events. They build lasting memories that are remembered with… Read More
2020-11-03 02:30
I’m a very linear person. My default mode is to move in a chronological order, doing things step by step according to a predetermined plan. So it’s confusing when trying to decid… Read More
2020-10-14 14:14
When it comes to investing money in the stock market, time is your greatest ally and your greatest enemy. The longer you are investing money the greater likelihood you’ll generate grea… Read More
2020-09-29 23:10
In 1991, the Internet as we know it went live to the general public. At the time, there was little fanfare. And it would take most of the rest of the decade before it became mainstream.
Now… Read More
2020-09-16 03:30
Do not fear. I’m not writing from a snowed in mountain resort lodge. I have to admit for years I assumed the proverb “All work and no play makes Jack a dull boy” came from… Read More
2020-09-02 01:40
Every fall like clockwork, the same ritual happens during the months of August and September – students return to high school. Each year a special group of these students enter their s… Read More
2020-08-26 01:57
I’ve written here from time to time about the advantages of owning rental properties. Owning property that other people pay you to use is a great investment that can have significant l… Read More
2020-08-12 01:00
I remember the first time my wife and I really tried to make a budget. So many expenses were coming to our mind it was difficult to prioritize which ones were most important. We messed up ma… Read More
2020-07-01 13:10
I would love to enjoy a guilt free life, especially when it comes to spending money. Have you ever heard the same voice rattling around in your head that I’ve heard in mine? It usually… Read More
2020-06-24 12:57
If you’ve ever gotten into conversations with broke friends about money, you know how hard it is to determine if they actually want your help. There are several ways to figure that out… Read More
2020-06-17 12:25
I love owning rental real estate! When I purchased my first property eleven years ago, I mistakenly payed a bit too much for it. Initially, didn’t know how to be a successful landlord… Read More
2020-06-10 12:05
“For godliness with contentment is great gain.” – I Timothy 6:6
Contentment is a virtue that challenges our do-more, get-more, be-more society. This is especially true as i… Read More
2020-06-03 12:00
A major role of parenting (and one that is often neglected) should be teaching kids about money. For many reasons, parents drop the ball in this area and raise children who carry an improper… Read More
2020-05-31 09:55
The topic of life insurance is one that many do not like to discuss. The reason is simple – it involves death, most notably our own. And since death routinely shows up on lists of comm… Read More
2020-05-24 18:35
“America is depressing…mixed up…adrift…an afterthought.” Have you sensed these messages creeping into American culture and thought in the past few years? Our… Read More
2020-05-12 15:35
There is no denying it. Credit is available everywhere. Our cultures screams “Have It Now!” to us at every turn. “Borrow money now to get what you want!” people say… Read More
2020-04-23 21:07
Everyone has money problems, yes, even the wealthy. Nobody likes to hear this though. For one, we get tired of the rich flaunting their wealth. Additionally, we think we’d be OK with s… Read More
2020-04-11 16:30
Money is at the heart of many cover-ups. Flash enough cash and some people could be encouraged to keep quiet. Make that sum of money big enough and they could even be persuaded to promote li… Read More
2020-03-14 17:55
Renting an apartment can be quite a challenge. Whether you are moving out of the house for the first time, trying to cut housing expenses, or simply looking for a short-term housing option… Read More
2020-03-04 05:00
“…For the poor will never cease from the land…” – Deuteronomy 15:11. This is one of many Bible verses about helping the poor, a major theme within the Bible… Read More
2020-03-04 02:06
Have you ever thought about becoming a freelancer? I was for a time, writing blog posts and articles for various websites. I really enjoyed it and and it was quite beneficial.
When you… Read More
2020-02-11 03:06
Oh, to be a centenarian – 100 years of living. It’s simply amazing! Most of us would settle for 80% of that. It’s hard to fathom the changes and life events someone born in… Read More
2020-01-20 13:20
One task that may not be apparent to first time budgeters is to create a zero based budget. My wife and I had tried to make a monthly budget before but for one reason or another, our budgets… Read More
2020-01-12 23:40
Do you hate Christmas shopping? About ten years ago, that was my wife and I. It took enormous amounts of time and energy. But more than that, it played havoc on our monthly budget. In Decemb… Read More
2020-01-06 10:00
The question comes at some point in everyone’s life – “Who will I leave my inheritance too?” If you are in your 20s, the thought probably hasn’t crossed your mi… Read More
2019-12-30 10:00
Boom! Just like that, it’s over. In a few days we are set to close out a whole decade and begin a new one. By some accounts, we just experienced the best decade ever. Could bigger and… Read More
2019-12-27 10:00
“…the gift of God is eternal life in Christ Jesus our Lord.” – Romans 6:23
How are those Christmas gifts working out for you? What level of satisfaction are you rece… Read More
2019-11-04 10:19
A while back, I had a conversation with a former student of mine who is looking to invest in the stock market. He was in college and had some money sitting around that he didn’t need f… Read More
2019-10-10 10:03
The first house my wife and I owned was brand spanking new – right out of the box. We walked in to fresh paint, clean carpets, new appliances and a cute little covered porch right off… Read More
2019-09-09 10:13
“A good name is to be chosen rather than great riches, Loving favor rather than silver and gold.” – Proverbs 22:1
Have you ever thought about the status of your name? Would… Read More
2019-07-30 12:53
Every fall about this time, parents are gearing up to send their kids back to school. In some cases, that means sending them to college. It’s an expensive proposition putting a child t… Read More
2019-06-18 15:35
There may come a time in your life where you want to or need to create a side hustle to earn extra income. It can be many things depending on your skills and the depth of your need. Regardle… Read More
2019-05-17 17:15
In a few hours, my firstborn child will walk across a stage
and receive her high school diploma. It’s been 18 years in the making and now
we are here. One of the milestone days any… Read More
2019-04-10 23:17
Are there advantages of a debit card that makes them better than using a credit card?
Debate rages sometimes in the personal finance world over which one of these payment options is… Read More
2019-03-13 01:35
You know who you are – teenager who loves to spend money like it’s going out of style. You spend money faster than it takes a Snapchat to disappear. Money comes into your hand on… Read More
2019-01-15 17:55
On Contentment – “Not that I speak in regard to need, for I have learned in whatever state I am, to be content: I know how to be abased, and I know how to abound. Everywhere and… Read More
2019-01-10 04:03
There are times when the stock market causes real fear for investors. It’s scary to see the markets and your portfolio value go down day after day. This is especially true for those cl… Read More
2019-01-01 11:00
Do you want to finish what you start this year? Maybe you have made a New Year’s resolution and aren’t confident you can do it. Or maybe there are simply so many unanswered quest… Read More
2018-12-07 00:35
Weeks ago, at the beginning of November, stores already had Christmas decorations on display. I know those stores are just trying to get the most out of Christmas season. But it’s too… Read More
2018-11-14 23:00
Hidden Nuggets Series #65 – Thankful Bible Verses – “Oh, give thanks to the Lord, for He is good! For his mercy endures forever.” – I Chronicles 16:34
I have a… Read More
2018-10-19 09:00
Rarely do I draw attention to the metrics of this blog. In fact, I’m not sure I’ve ever done it like this (and probably never will again). But I have fun moment that I couldn&rsq&hell…Read More
2018-10-09 20:50
Let’s face it. We live in a fast paced, consumer friendly, debt-driven society. Spending money has never been easier.
That might be why more than 60% of Americans deal with credit card… Read More
2018-09-27 20:43
Enjoy this guest post today from blogger and website owner Joseph Hogue as he shares his ideas about financial freedom.
The best lessons come from our experiences even if sometimes it’… Read More
2018-09-19 01:08
Do you worry? I’ll admit that I have been a worrier at certain times of my life. There are so many circumstances that we can worry about that it’s easy to worry all day long. Tha… Read More
2018-08-22 10:00
Have you ever missed out on something for so long and when you finally heard about it, felt stupid for not knowing sooner? That’s how I feel right now about the Sam’s Club Scan a… Read More
2018-08-05 12:15
Hidden Nuggets Series #77 – “ Give and it shall be given unto you; good measure, pressed down, and shaken together, and running over, shall men give into your bosom. For wi… Read More
2018-07-02 20:12
Here is a little test for yourself. When I mention the word budget do you think of the word “freedom” or do you think of the words “constraint” or “bondage… Read More
2018-06-29 12:45
Despite what you might think or have heard, not all investing is created equal. There is a big difference in investing in the stock market and investing by trading individual stocks. Both ar… Read More
2018-06-20 20:11
Think you have some good reasons to retire early? It is exciting…the thought of leaving your career and setting aside the accompanying stress that it produces. In fact, you may alread… Read More
2018-06-01 12:14
I love the summer! With the kids out of school it’s the perfect opportunity to spend more time with the family. And how you spend that time together is critically important. … Read More
2018-05-29 20:06
Today I’d like to welcome Tim Chaves, CEO at ZipBooks. Tim previously founded and sold two small businesses, and holds an MBA from Harvard Business School. In this article, he&rs&hell…Read More
2018-05-18 15:45
What is the best investment you’ve ever made? Historical analysis suggests an investor in the U.S. stock market can reasonably count on an average annual return of 8-10%. There will be… Read More
2018-05-07 11:15
Calls in the middle of the night are never good. Neither is the one when you say “Hello” and your teenager is crying on the other end. Your heart immediately drops because you kn… Read More
2018-04-17 15:28
I love having a travel budget! For my wife and I it was a priority from the beginning of our marriage. We both went on family vacations growing up and wanted to carry on that tradition with… Read More
2018-04-12 16:30
Ever want to turn a hobby into a career? Maria Cannon at HobbyJr.org did just that with her love of quilting. Now she is trying to help others do the same. In today’s guest post she sh… Read More
2018-03-28 11:10
Do you love spring cleaning? I used to think that I loved to clean. Now that I’ve had some more time around the house as a stay at home dad, I realize I don’t love the process of… Read More
2018-03-07 11:34
Forty-five. That’s the age I turn today – March 7, 2018.
A lot has changed in our world since 1973. Almost every area of life I can think of has made advancements. Mostly these h… Read More
2018-02-22 11:52
A home purchase is one of the most exciting and expensive financial transactions a person will make. Because homes cost so much, most people choose to buy one by getting a mortgage. They bor… Read More
2018-02-12 13:45
Choosing a college at 18 years of age presents a daunting challenge. For most high school students, the decision represents the most difficult one they’ve ever made. With so many choic… Read More
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