Starting Over FInancially

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.” II 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 […]

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 […]

New Beginnings

Veterans Day

I remember meeting with military widows and listening as they shared their unique struggles.  Let me share some things I learned.  Often their ‘family’ is their military family.  They may chose to live in a military community even as a widow. Their families often don’t understand. While there are chaplains, they are restricted in true spiritual nourishment through politically correct rules.  They must make life shaking decisions in their time of grief. How can we respond?  Listen to their needs laying aside our expectations.  Often they have financial resources but may need information to utilize it wisely.  Yes, vultures appear […]

Veteran’s Day 2

Remembering Veterans Day coming I challenge you, my friend, and myself to pray for God to show us one thing we can do to encourage a veteran on that day.  Yes, they are all around us.  The vintage ones often wear a cap that tells you how they served.  I’ve made it a practice, when I see that, to thank that person for serving.   It only takes a few seconds. I have not served as they have, so I cannot fathom their sacrifices.  My interruption in their shopping or dining always bring a look of appreciation and sometimes even […]

Veteran’s Day

As Veteran’s Day approaches I’m especially remembering our Viet Nam vets who were neither admired or welcomed home well after their time in that terrible war.  I had classmates there who returned home safely.  I have friends who still bear visible scars on their bodies.  Many had night mares.  Some still do.  Little was then known of post traumatic stress disorder though many suffered from it. Regardless of our thoughts on these conflicts, we can all unite to say two words to any veteran we know.  “Thank You.”  Those words do much to heal the soul.  We might even add […]