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

All work is profitable

I’m Miriam  Neff-with STARTING OVER FINANCIALLY,-and I’m Valerie Neff Hogan, and we’re here to talk about money   M  We’d all like meaningful work.  But some is drudgery, not exciting, but needs to happen.  Proverbs 14: 23 In all toil there is profit, but mere talk leads only to poverty.  God doesn’t rank the value of work like people do.   V A banker may get more respect than a common laborer in people’s eyes, but not God’s. God has his specific purposes for our work and what we learn at each stage of our life. There is wisdom to […]

Pay Attention

I’m Miriam  Neff-with STARTING OVER FINANCIALLY,-and I’m Valerie Neff Hogan, and we’re here to talk about money   M One of the greatest mistakes folks make regarding money matters is simply not paying attention to where money is going.  It’s easy with automatic bank payments and credit card swipes.   I noticed my insurance automatic deduction increased 10% in one year.  And I’d  filed no claims.   V  My family sometimes reverts to ‘cash only’ bill paying.  Envelopes with monthly  amounts for food, gas, extra coffee.  Grocery shopping takes longer, but its a reality check.  We lock away our credit […]


I’m Miriam  Neff-with STARTING OVER FINANCIALLY,-and I’m Valerie Neff Hogan, and we’re here to talk about money   M  Frugality – it’s how to get ahead. Spend less than you bring in. Period.  Does buying on sale help?   V  Do not buy items because they are on sale.  Buy them because you need them.  Preferably because they have been on your “wish to purchase” list a few months.  Or at least a few weeks.  You are not getting a 50% discount on an item you do not need that will end up in a landfill.  Even at that great […]

New Beginnings

Seeing yourself as small

Self perception for the Christ follower is an oxymoron.  We are prized, treasured, and created by God.  Yet we are human, small, insignificant.   God mightily used people in Scripture who perceived themselves as small.  When Saul was to be considered as king, he hid rather than step forward seeing himself as inadequate for the task.  Later the prophet Samuel reminded King Saul that God used him when he was small in his own eyes.   Moses believed he was incapable of leading his people out of Egypt.  God had to show him miracles to convince him it was not […]

The value of a small discipline

Does a small discipline matter?  Eating just a bit less won’t rid one quickly of lots of extra pounds.  Saving just a bit of money won’t create a huge quick nest egg.  But consider Theodore Johnson, a UPS worker who never earned more than $14,000 a year.  He saved every bonus and 20% of his income investing in the company stock.  At age 90 he had 70 million dollars!  A small consistent discipline brought results.   God has discipline guidelines.  Invest in Kingdom matters, 10% or so.  Fast (give up food) at times to remind your body hunger does not […]

The value of small

Our culture values large, impressive, big stuff.  Paychecks, technology, big brings prestige.  Scripture, on the other hand values small.  The prophet Samuel reminded King Saul that God chose him when he was small in his own eyes. I Samuel 15: 17.  David killed Goliath with a small sling shot.  Jesus fed thousands with a small boys lunch:  a few fish and loaves of bread.  A small mustard seed produces a big bush.  A bit of yeast leavens a big lump of dough.   Important message:  Don’t devalue a small skill you have or a small possession.  God does great things […]