Christian financial academy

You have two or more credit cards between you maxed the limits. You rely on cash advances from credit cards to pay off your bills. You are in the habit's of impulse buying even though you know you don't have the money to pay for it. You are often threatened with disconnection for late payments. Serious debt can place a big stain on your relationship, so it is important to agree early on how much debt you can tolerate. Our latest  from faithnews Couples may have two, three or even four credit cards exceeding their hefty limits. Along with a mighty mortgage and a car loan butting deeply into hard-earned pay packets. Yet, in this consumer-conscious world, the decision to buy goods.... From a wilde- screen television to the latest sofa is often made on the spur of the moment. Sums are done, budgets are rarely consulted and interest rates barely register as the plastic is push to the limits and beyond. Of course, debt is not always of your own making, in the era where retrenchment a

apart from making money, reasons you need to own your own business Imagining yourself as rich as Jeff bezos, as innovative as Sara Blakely, and as ambitious as jack ma, future are you going to nominate the world. But today yours a little bit nervous about what a business entails, starting a business can be life changing experience. It can also seem like a scary one if you've never done it before. It is a big step for anyone to take, as it may require leaving the comfort and security of a regular job for a more uncertain financial future, small business success may also require a great deal of planning, enough initial capital to sustain the owner during the start-up period and possibly a bit of luck; these are few key reasons why people start small business. And why you ought to start it yourself. 2. Tax benefits: living on a salary, someone else's employee, there's little you can do to control your tax situation. It's simply a fact of life. There are some things you can

You don't need to be loaded to enjoy the finer things in life (unless one of the things you imagined above was private jet!) However much you have now, we'll help you map out the means to achieving the things you want. You've already made a start, just by thinking about what drives you or fuel your imagination. Our latest the ultimate budgeting guide Whenever you want something better than what you currently have now. You have to change something, if you keep doing what you're doing, you're going to keep getting the results you're getting. So if you want better results, you have to be doing better things. Forward planning-deciding what you want and working out how to get there- isn't just for the super rich: it's something you can plan for your spending, you can fund your dreams (often for less), and enjoy them without worrying how you're going to cover the cost afterward. Personal finance is inherently personal, and you should look at lists like th

start making money from the comfort of your home If you've Been on the internet for more than a few hours, you've likely seen at least one advertisement teaching you how to make thousands of dollar's a minute working from your underwear. In the comfort of your home. This post is one of a kind, because it's demonstrate how average people like me and you can make up to $100 a day. For some working from the comfort of your home, and earning up to $100 dollar a day might seem, a child play, for some others. It might seem impossible; for the rest somewhere in between. (Which group are you in?) I'll take a guess, because you're reading this post. I'll assume you are not in the first group....but want to be there! The truth is, it is possible. It might be hard to make thousands of dollars a minute, from get-go (or at all) but there are certainly ways you can make money working from home with ease. And earn up to $100 dollar in this post am going to show you some di

"Chains of habits are too light to be felt until they are too heavy to be broken"......Warren buffet. Somebody said" humans are creatures of habit, and a lot of us creatures are in debt, bad debt's, that's not good to our wellbeing. Bad habits toward money, like rationalizing purchases ("hey, I deserve this!".....("I work hard for this money so I deserve the best of it) Assurming you'll make more money later on. You disorganized your bills Don't budget or keep track of your money You're an impulse spender. The right opposite of bad habits, Good habits. Can bring you from anywhere you are now financially and accelerate you to your desire financial positions because the vast majority of rich people didn't reach were they're now accidentally. Acccumulating wealth requires hard work, dedication, and-most importantly-maintaining a specific set of habits that foster prosperity. Corley be a financial planner and author who spent five y

The way children view Money will often carry through into adulthood, so it's important to give kids a good financial grounding from young age. latest post from faithnews Although schools are now required to teach children financial literacy as part of National curriculum; this only takes place after the age of eleven, by this stage children may have already picked up good and bad habits from anyone closer to them. Five-and 6-years-olds are starting to develop the cognitive skills necessary to understand basic monetary concepts, such as indentifying coins, knowing that liability are those things that takes money out of there pocket. When asset are those things that bring money into there pocket. It is also Noble and good to teach them enough about the value of money to empower them succeed at whatever they choose to do in life. Here are some tips to helps you teach your children the Value of money. latest post: ultimate Budgeting guide Let them buy there own Xbox:  you will likely s

I sincerely believe that banking establishments are more dangerous than standing armies, and that the principle of spending money to be paid by posterity under the name of funding, is but swinding futurity on a large scale"..... Thomas Jefferson The average American househood with credit card carries more than $15,000 in credit card debt, according to Debt.org. Latest post:  what to do if behind with rent Add to that &1.2 trillion (and growing) in student loan debt, sprinkled in car loans, and medical debt, and we've got ourselves an issues. But in most cases those 15.000 thousand dollars was borrowed simply for consumption. A vacation, jewelry,or be shoes, and even for emergency funds for things you simply don't have the cash to cover. And all these are bad debts because it doesn't make you richer instead poorer. But on the other hand is good debt, debt that puts money in your pocket each month. It makes you richer. It is used to purchase things like investing in

1 billion users are active every months. That's almost three times the US population. 500 million users are active every day, that's almost double the US population. In 2017, 70.7 percent of US businesses use Instagram. With 30 milllion business (both large and small) in the USA, this number translates to 21 million US businesses using Instagram. 80 Percent of Instagram user's follow at least one business account. This translates to 640 million users following at least one business account. There are two million Instagram advertisers every month. Growing up, most people dream of being famous, but the truth is, not everyone can sing or act. But still you can build a personal brand around yourself based on what you can do. Maybe you have a really cool fashion sense, or can bake an awesome cake. On Instagram, anyone can start a side hustle to becoming an infleuncer. If you don't like the spotlight, that's cool. You can build an Instagram following around your dog or yo

It's natural for your weight to fluctuate throughout the year, maybe you eat a bit too much during the holidays and gain a bit of weight, or you come down with the stomach flu, and end up dropping a few pounds-a slight swing on the scale is normal and nothing to worry about. It's not common to lose a significant amount of weight without the obvious reasons; if you're losing weight and nothing changed with your diet or activity, you need to worry about it a little bit. But over the years a number of practitioners and expects has come out with a way everybody can loss weight through diet, and they recommend this most powerful diet tips called low carbs diet. Has one popular way to lose weight fast. And not only that, but has also been prove that, low carb diet associated with it, some other health benefits. The low carb diet, or ketogenic diet, which in short form is called keto diet. Has pave a way to tremendous health benefits literally by changing the way our body uses ene

Beyond the fear of death and sickness, the global pandemic has changed the way we live and brought with it a different kind of stress. Nearly 17 million people filed initial claims for unemployment insurance over the past one month of this pandemic breakout. You've just received the long awaited "alert" and grab your phone in anticipation, only to find out that your salary had been slashed. But your responsibilities remain the same; not so, they've actually increased. And not only so, Kenneth and Gloria as been at home for over a month now, yes you really love them! But little Gloria has continues whining and Kenneth silly attitude is now beginning to drive you to edge. And worst of it. is; you can't leave then at home and went to the bar. If you turn on the TV, only the sad news about this same global threathening pandemic. But apart from the fear, uncertainty and economic hardship, that has brought this traumatic rate of unemployment and all this mess. You don&#

The likelihood of having a mental health issue is Three times higher among those who are in debt. A 2017 study published by the journal of consumer research took an in-depth look at how financial health can effects your overall health and well-being, the study found that "perceived" financial well-being is a great predictor of overall well-being. Not having money restricts our choices and wreaks conditions havoc on our psyche borrowing money to pay those bills leads to debt, which can lead to all sorts of problems that has nothing to do with accounting but has everything to do with psychology. How can debt effect your mental health. A 2010 study from the royal college of psychiatrists found that half of UK adults in problem debt are also living with mental ill-health. These ranged from a consistent feeling of anxiety to low moods, to diagnosed mental health disorder. Much of debt-related anxiety can be due to a lack of support from creditor's and from the indi

A budget is a plan. That's all it is, and a plan is a detailed proposal for doing or achieving something. The word budget often gets a bum rap, people worry thinking it'll be like putting a straitjacket on their spending. But budgeting doesn't tell you not to spend, instead gives you the power to spend the right way towards your goal. Some years back when I first come to myself about where I was financially. And began looking for help, some friends of mine redirected to Dave Ramsey website were I understand more about Budgeting. And the very thing I understand was that budgeting is a plan, and not long I also come across a book by brian Tracy "goals" Then I understand that what dump me inside of the dishes I was financially was my lack of plans. Maybe your goals was to retire early, or to lunch your own private enterprise or to pay off all bad debt. What so ever your goal is, as far you need money to achieve it. You need this powerful force called budgeting. To c

" Stick go your list and use a calculator as you shop to stay under budget. We're under $50 a week for our family (two adults and two a toddler). No junk food either, it's doable!"--- Amanda N. The average cost of monthly groceries for one person ranges from $162-372, married couples clock in at spending somewhere between, $371-773 each month. And when it comes to a family of four, the average cost for their monthly grocery bill shoots up to $570-1298! Yikes! It is important to really begin to consider the difference between necessity and luxury when times get tight. You may also choose to tight up your spending habits simply to get out of debt or to save money for retirement. One of the easiest way to save money on food is to reduced the amount you spend at the grocery store. You don't just have to take our word for it. By reading below you will convince by the simplicity of it. Here are 30 easy ways to go grocery shopping on a budget. 1. Check your pantry: If yo

Fourth of July in the USA celebrates one kind of freedom. But this certainly not the only way freedom can be defined. How would you define it? That might be very difficult from someone else's definition. "Your time is your most valuable assets" Most of us spend more than half of our working hours working or doing work-related activities. That's a lot of time? And if you aren't unhappy at work, were you spend at least 50% of your time, them it will be very difficult to find fulfilment in your life unfortunately most of us don't Know how to create careers that bring us wealth and happiness. What is freedom According to merian - Webster: the concept of freedom can include these two aspects. *The absence of necessity, coercion, or constraints in choice or action (in other words, a lack of enforced or limited behavior) *Liberation from slavery or restraint or from power of another (alternatively expressed as Independence). Although