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

Slack Hand

I’m Miriam  Neff-with STARTING OVER FINANCIALLY,-and I’m Valerie Neff Hogan, and we’re here to talk about money   M  Connect these two words:  Work, Money.  Proverbs is full of advice to work and what will happen if we don’t.  10: 4  4 A slack hand causes poverty, but the hand of the diligent makes rich.   V  Hard work does not guarantee wealth.  But being productive is satisfying    and often at least leads to having enough. There are countless examples of folks gaining wealth and prosperity over time with hard work and good Stewardship, but very few examples to the contrary. […]

Car owners behind on loan payments

I’m Miriam  Neff-with STARTING OVER FINANCIALLY,-and I’m Valerie Neff Hogan, and we’re here to talk about money   M Current data says more than a million US consumers have fallen at least two months behind on car loan repayments.  This is the highest delinquency rates since 2009!   V  Lets look at the numbers.  About 4.3 million Americans took out a car lease or loan last year.  The average borrower has about $18,400 in auto debt.  A popular trend has been longer payments at lower amounts.  Which means you’ll likely be ‘underwater’ at some point.  Still owing when the cars […]

Spend Fast

I’m Miriam  Neff-with STARTING OVER FINANCIALLY,-and I’m Valerie Neff Hogan, and we’re here to talk about money   M A great idea for debt free living is to go on a Spend Fast.  I don’t mean spend quickly, Fast as in not eating food, not spending any money.  Valerie, you’ve done it with your family of 5 going no credit or debit card.   V Well that program means you plan out what you will spend and have it in cash in advance.  It’s amazing how much you can save when you are not impulse buying! That work best when […]

New Beginnings

Blending families

We often speak of blended families following divorce. Widowhood and remarriage offers all those opportunities for challenge, change, and grace.  One difference is often overlooked.  Widowhood means less rejection, and sometimes less pain bring into the new relationship.   Yet honoring memories of that past marriage can be important and misunderstood.  Yes, I encourage lots of communication and lots of grace.  Yet, remembering is a necessary part of healing.  Children, in laws, and past friends are impacted.  Each needs to know they are whole as God’s creation, secure in His love first.  That’s freedom to not cling possessively to that […]

Honoring someone you love(d)

I’m often asked by a widow or widower who has remarried, “How do I honor my first husband, or my first wife.”  Its complicated.  Sometimes our new spouse feels offended, or that the new relationship is Less, rather than just different.     I advise setting aside that day without your current spouse, an anniversary, a birthday, or some significant day, to honor and grieve your first spouse alone.  You might go to a special place you enjoyed together.  Some invite one of their children, or close friend.   One remarried widow took her two children and her first husbands […]

New mission

Do you have a new mission, a new passion?  You are eager to pursue it.  A popular leader once asked, “What are you willing to leave behind in order to get where you want to go?”   Time, energy, funds, Widow Connection is my passion.  Being widowed and single, I could remarry.  I chose, as Paul did, to remain single.  I can be devoted with my calendar, energy, focus on the mission I’m called to do.   Do you wish to be a more dedicated parent?  You’ll need to leave behind for a season as least, some of your solo […]