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


I’m Miriam  Neff-with STARTING OVER FINANCIALLY,-and I’m Valerie Neff Hogan, and we’re here to talk about money   M Do wills and trusts have spiritual significance?  For sure.  Proverbs 13: 22 states, ‘The good leave an inheritance to their children’s children, but the sinner’s wealth is laid up for the righteous.’   V  It’s very difficult to leave an inheritance for your children’s children if you leave your children and all of your worldly possessions in the hands of the state when you die. Leaving a will or trust with instructions for guardians for your children and direction for your […]

Roth IRA

I’m Miriam  Neff-with STARTING OVER FINANCIALLY,-and I’m Valerie Neff Hogan, and we’re here to talk about money   M We are both fans of doing your giving while you’re living so you’re knowing where its going.   Larry Burkett’s recommendation) In other words, give with a warm hand.  One way to do that is by funding a Roth IRA for those you care about.   V A Roth IRA allows you to put away after tax money for growth.  You can take it out tax free later.  There are special rules, but if you have someone with earned income, they can […]

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 […]

New Beginnings


Research shows that senior leaders and celebrities share some common characteristics beyond common folks.  They are more cold, callous, and ruthless AND more manipulative and narcissistic.  Harsh discovery.   Christ followers who are leaders and in the lime light need not follow that trend.  Jesus is the perfect example of servant hearted leadership.  Examples in Scripture like Moses, Joshua, the apostles, and Stephen, while imperfect, led with courage focused on God’s direction, serving the people God entrusted to them.   They were human, tempted, messed up and course corrected because their focus was God first, not self.  Generous rather than […]

Change and wardrobe

Change requires a different wardrobe.  I rummaged through closets seeing things I no longer wear.  Its not just fashion, its size and comfort.  What fits my life today?   I travel light to Africa and Albania, only modest comfort required. My spiritual wardrobe has changed.  What I thought I needed before for safety and comfort, I’ve thrown off.  Bold sense of mission requires that I wear Ephesians 6.  My shield of faith in place. Its Gods day, not mine. Helmet of salvation: todays challenges are temporary.  Only Heaven is guaranteed.   That widow in the remote village who needs to […]

Feeding widows

Acts 5 tells about a dispute that arose in the new church.  They were feeding many widows–a good thing.  But favoritism crept in and some were given more than others.  Imagine the witness to the unbelievers in Jerusalem.  Widows were marginalized more so then than they are today.  Imagine if the church had ignored that favoritism?   But they did not.  They got it right.  Yes, fairness for the widows matters.  But so does our witness.   As we go global training poor young widows in skills, others look on.  Our selection guide.  Are you a widow, are you poor?  […]