Starting Over Financially - Lessons

Money in Troubled Times

Program 1 Miriam Neff and Valerie Neff Hogan talk about money. Money when you’re in a difficult situation. Life got bumpy and money became a dreaded word. That’s when you need help most. With clear, practical, conversational content Miriam and Valerie are here to help. Whether job loss, divorce, death of a spouse, foreclosure, or health issues, your pay check has frozen, or shrunk, but your bills have not. You may not have the time or mental energy to tackle what seems like an overwhelming thing–getting a handle on your money. Let us help you simplify the process and walk […]

Managing the Present, Growing the Future

Program 2 God is not shocked at your present circumstance.  Luke 12:6-7 Everything is His.   I Chronicles  29: 11-12 4 Principals. Establish your income first, ‘build’ your house, determine your living space,  within the means of your income.  Proverbs 24:27 Yes, this may mean that you must change spaces after change in your life and income.  If possible, don’t make a hasty decision. Rate your needs and your wants.  Look at your check book, and/or bank account.  That shows your reality.  Which are necessary?  Which are just wants? Value Living?  Value Spending?  God sees your actions. To become trustworthy with […]

Emotions: Depleting and Defeating, or Energizing and Empowering

Program 3 The distance between our heads and our hearts is typically only eighteen inches. However, sometimes, after loss, we feel our head and our heart have parted ways and exist on different planets. Our head is on Mars, our heart is on Venus, and somehow our body got left on Earth.   Emotions are powerful motivators to action, positive or destructive, OR lack of action, frozen, unable to act. Depression/grief/sadness: seeing grey, caught in the past, disoriented thinking. Vulnerability: Filling the void by hoarding, spending and keeping. Foolish financial decisions due to faulty, clouded thinking. Proverbs 18:24 Fear: lack […]

Starting Over Financially

False Balance

I’m Miriam  Neff-with STARTING OVER FINANCIALLY,-and I’m Valerie Neff Hogan, and we’re here to talk about money   M  God not only cares that you work. He cares HOW you work.  Proverbs 11:  1 gives instruction.   A false balance is an abomination to the Lord, but an accurate weight is his delight.  Your work may not involve weights. But the principle is, “Be fair.”  A highway collapsed because the builder used an inferior product.   V  The Titanic sunk partly because inferior rivets were used.  These consequences are tragic.   But if there’s no observable consequence, God knows.  a modern day […]

Money worries

I’m Miriam  Neff-with STARTING OVER FINANCIALLY,-and I’m Valerie Neff Hogan, and we’re here to talk about money   M Financial concerns top the list of what we worry about.  Too much debt, not enough for retirement, waiting for the next shoe to drop, Americans worry.   V Contrast our reality with Scripture:   Phillipians 4: 6  Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God.   Worrying is not productive.  Its hard to pray and ask God for something without considering, ‘Is this a God honoring request?  Am I […]

House poor

I’m Miriam  Neff-with STARTING OVER FINANCIALLY,-and I’m Valerie Neff Hogan, and we’re here to talk about money   M  Today being ‘house poor’ is common.  Homes in our location continue to lose value though in most places they are going up.  Give us tips for selling when the markets are unfriendly.   V  Some buyers want to put in sweat equity, but many do not. Many updates and upgrades don’t add value. Be prepared and believe your realtor when they tell you the market reality.  You may not like what you hear.  The right price will save time on the […]

New Beginnings

Little known stories # 3 Anna

Quiz question.  Who is this person in Scripture?  “I saw the babe!  Who would believe that the most important goal of my life would be achieved in my eighth decade.” Our culture does not esteem ‘vintage’ people.  This woman saw the babe Jesus at the age of 84.  Yes, her name was Anna.  The story of this prophetess is told in Luke 2: 36–38.  Widowed in her twenties, childless, she chose not to remarry.  Instead she dedicated her life to fasting and prayer, ‘never leaving the temple.’ Imagine her empathetic prayer as she knelt by young women who were distraught […]

Ears to hear

The book of Revelation gives us so much to ponder.  The future for sure. And lots of lessons for us today.  8 times the phrase appears Whoever has ears.  The question being ask is ‘whose listening.’  The writer John has instructed the churches he addresses before.  People heard, believed, accepted. And then some stopped listening, they needed reminding.  Live what you know.  Or you’ll become luke warm.  We understand that:  lukewarm soup, lukewarm coffee or tea.  No thanks! Learning new spiritual truths is important to be a growing Christ follower.  But learning without living it is the Apostle John’s focus […]

Little known stories # 2 Widow of Zarapath

Many know the story of Jonah and the whale.  But few know of unnamed people in the Bible who acted courageously as well.  Here’s a quiz question.  Who is this widow?   A man of God saved my sons life– twice. Hint:  She was starving, collecting wood to cook their last meal and Elijah asked her for water.  No cost, only effort.  And then he asked her for bread.  A sacrifice!  Her story is inspiring.  This gentile widow responded to the request of Jewish man. God reached to a gentile widow!  Widow or not, you’ll be inspired to see that […]