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

Blaming circumstances

“Under the circumstance, what else could I do?”  Circumstances get blamed for everything that goes wrong.  Funny thing, when things go right,  we take credit ourselves rather than say, “I rode the wave of great circumstances!” No spiritual leaders in Scripture blamed circumstances for their difficulties.  They persevered in spite of imprisonment, being lied about, or being beaten when innocent.  Paul in prison wrote, “what has happened to me has really served to advance the gospel.” Philippians 1:12 Would he have written the prison epistles had he been traveling and teaching which was his hearts desire?  We’ll never know.  He […]

More sisters.

I’ll be making my tenth trip to Africa  connecting with widows.  They’re my sisters.  God says so.  Romans 12:5, “each member belongs to all the others.” Yes, I am my sisters keeper. I’m blessed to come along side them with sewing machines.  Why this high privilege?  It’s absolutely none of my doing.  I was born in a prosperous country to a farmer and gentle souled mother.  My education was mostly scholarship, not my own money.  My position of understanding widows–due to my husband’s untimely death.  I can take credit for none of these credentials that qualify me to go. So […]

A person familiar with the situation

Has a surprising event happened in your life?  Whether welcome or dreaded, our first reaction is usually, “What now?” Breaking news of a surprising event often includes this phrase, “a person familiar with the situation.”  Intriguing.  Someone knows all the inside stuff, and probably is a person of influence. And that person may impact the outcome! Did you know that accompanying your surprise is “a person familiar with the situation?” God himself.  It is unimaginable that one who could create us and our world stoops to our everyday existence, chose to live as a human like us, and is all […]