__*“Take care, and be on your guard against all covetousness, for one’s life does not consist in the abundance of his possessions.”* - Luke 12:15__

In a culture of instant gratification, it's easier than ever to get what we want, even if we can't afford it. Buy Now, Pay Later (BNPL) programs make it possible to purchase just about anything in a few quick taps, from furniture and electronics to a fast-food meal. But beneath the convenience lies a growing financial and spiritual concern.

Services like DoorDash now allow users to split food orders into four equal payments. That means your cheeseburger and fries could come with a payment plan.

If that sounds like something out of a cartoon, say, Wimpy promising to *"gladly pay you Tuesday for a hamburger today”*, you’re not wrong. The difference is, this isn’t satire. It's happening now, and it’s reshaping how millions of Americans think about money and debt.

BNPL isn’t just about big-ticket items anymore. It's integrated into daily purchases through apps and retailers. Klarna, Afterpay, Affirm, Zip, Sezzle, and PayPal are just a few of the companies fueling the trend. According to [Experian](https://www.retaildive.com/news/report-80-of-us-shoppers-use-buy-now-pay-later-to-avoid-credit-card-debt/622541/), over 80% of U.S. shoppers have used a buy now, pay later program.

__The Debt You Don’t Feel (But Still Carry)__

While these offers may feel harmless, after all, it's “just four easy payments,” they can stack up quickly. The [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/about-us/newsroom/cfpb-research-reveals-heavy-buy-now-pay-later-use-among-borrowers-with-high-credit-balances-and-multiple-pay-in-four-loans/) has warned that BNPL users are more likely to carry multiple balances, overdraft their accounts, and experience increased financial stress.

That’s partly because BNPL doesn’t *feel* like debt. However, missed or extended payments often come with interest rates as high as 36%. The ease of use masks the risk.

Let’s say you order $60 of takeout through a BNPL service. That breaks down to $15 every two weeks. Add a few more meals and a couple of online impulse buys, and suddenly your food budget is competing with your rent or utilities.

Or take something larger: a $3,000 couch. Miss one payment, and now you're hit with interest. You start making minimum payments at 25% APR, and by the time it’s paid off, you could end up spending close to $8,000. That’s not just expensive, that’s exhausting.

__The Spiritual Weight of Financial Slavery__

The Bible is clear about the dangers of debt. Proverbs 22:7 reminds us, *“The borrower is the slave of the lender.”* And that burden is more than financial; it affects your emotional and spiritual life. Debt introduces anxiety, divides our focus, and often distracts us from God’s best. That’s why it’s wise to pause when you’re faced with BNPL offers. Ask yourself:

- Do I truly need this item?
- Am I acting out of faith or impulse?
- Am I content with what God has already provided?

In Philippians 4:11–13, Paul gives us a deeper perspective: *“I have learned in whatever situation I am to be content…I can do all things through him who strengthens me.”*

Contentment isn’t found in the ability to swipe or click; it’s found in trusting God’s timing and provision. So, how should we respond to these modern financial temptations?

__A Better Way: Building Margin and Trust__

So, how should we respond to modern financial temptations like BNPL?

__Practically:__ Build margin. Budget ahead for what you want to purchase. Start a “wants” fund with automatic transfers. Use cash whenever possible—it brings clarity and limits regret. For smaller extras like takeout, try a weekly envelope system or digital limit. When it’s gone, it’s gone.

__Spiritually:__ Ask God to search your heart.

- Are you trusting Him to provide?
- Are you trying to manufacture your own comfort?
- Are your spending habits shaped by gratitude or striving?

The next time you see a “Pay in 4” option, stop. Ask yourself: *Do I need this? Can I afford it? Does this reflect trust in God or trust in a payment plan?*

__Saying no to unnecessary debt isn’t about guilt but freedom. The kind of freedom that lets you give generously, live simply, and sleep soundly. Most of all, it’s the freedom to live with open hands and a content heart, rooted in Christ, not credit.__

FaithFi

Articles

In a culture of instant gratification, it's easier than ever to get what we want, even if we can't afford it.

The Hidden Danger of Buy Now, Pay Later

__Why don’t credit cards ever drown? Because they always have a float to fall back on!__

A little humor aside, credit card float is no joke. Many people use credit cards without fully understanding how the __"float"__ works—and how it can create hidden financial risks. On the surface, credit card float seems like a great perk, allowing you to delay paying for purchases without immediate consequences. But if you're not careful, it can lead to a cycle where you're always one step behind financially.

Let’s break down what credit card float is, how it works, and, most importantly, how to avoid the potential pitfalls that come with it.

__What Is Credit Card Float?__

Credit card float is the time between when you charge a purchase on your credit card and when you actually have to pay for it. Essentially, when you use a credit card, you're borrowing money to make a purchase, but the payment isn't due right away.

For example, let’s say you buy a pair of shoes on January 1st. Your statement closes on January 31st, and your payment isn't due until February 25th. That gives you __up to 55 days__ to pay for the purchase without spending your own cash immediately. This delay in payment is known as the "float."

Now, most of us are aware that if you pay your statement in full by the due date, you won’t incur interest charges. This makes credit card float seem like a good deal—allowing you to borrow money for weeks at no cost.

However, there’s a catch. Even if you consistently pay off your credit card bill each month, you may unknowingly be __“riding the float,”__—meaning you’re using this month’s income to pay for last month’s expenses. Over time, this can leave you one payment behind without realizing it.

A simple way to determine if you're financially stable or "riding the float" is by checking if you are fully funded__.__ Here’s how:

1. Add up all your current credit card balances.
2. Subtract that total from your checking account balance.
3. If you don’t have enough money to pay off your credit card balances right now fully, you're riding the float.

This means you’re relying on your next paycheck to cover what you already spent—leaving little room for unexpected expenses or financial flexibility.

__How to Avoid Credit Card Float__

To prevent falling into the float trap, you need to make sure you have enough money before making a credit card purchase__.__ That way, when your bill arrives, you can pay it from your checking account without dipping into savings.

A few strategies to ensure financial stability include:

- __Using the Envelope System:__ If you budget using [FaithFi’s Envelope System](https://www.faithfi.com/manage), you can reconcile your credit card envelopes to ensure you’re not overspending.
- __Maintaining a Checking Account Cushion:__ Always keep enough in your checking account to cover both your credit card balance and upcoming expenses before your next paycheck.
- __Tracking Spending in Real-Time:__ Keep an eye on your available funds, not just your credit card statement balance, to ensure you’re not overextending yourself.

For example, if your total credit card balance is $2,000 and you have $1,500 in upcoming expenses, you should have at least $3,500 in your checking account to avoid financial strain.

__What If You’re Already in the Float?__

If you discover that you’ve been riding the float, don’t panic. Here are some steps to help you get out:

4. __Transfer Money:__ Move funds from savings to cover your full credit card balance plus upcoming expenses.
5. __Adjust Envelope Funding:__ If you use the FaithFi Envelope System, reallocate funds from other categories to bring your credit card envelope balance in line.
6. __Fund the Credit Card Envelope Over Time:__ If you’ve been paying off your card monthly but realize you’ve been riding the float, start funding your credit card envelope a little more each month until it matches your full balance.

__Keep Your Finances Afloat__

Many people unknowingly ride the float, believing they’re managing their credit cards well. However, there’s a difference between paying the statement balance and paying the full balance owed__.__

To stay financially secure, follow this simple rule: __Always have enough in checking to cover your full credit card balance plus upcoming expenses.__ That way, you’re never relying on next month’s income to cover last month’s spending.

If you’re looking for an easier way to manage your budget and ensure you’re staying financially stable, check out the [FaithFi app](https://www.faithfi.com/manage) at[ FaithFi.com](https://www.faithfi.com/manage). It’s a powerful tool to help you track your spending, budget wisely, and keep your finances in check.

You can also __[listen](https://www.faithfi.com/search?q=Avoiding%20Credit%20Card%20Float%20With%20Chad%20Clark&videos=true&articles=true&podcasts=true&posts=true&groups=true&events=true&support=true)__ to a related podcast on this topic.

What is it, how does it work, and how do you avoid the potential pitfalls that come with it?

Understanding Credit Card Float—And How to Avoid It

__According to the [2024 Christian Financial Health Report](https://www.christianfinancialhealth.com/report), 43% of Christians used a buy now, pay later service during the past twelve months. Pay Later (BNPL) services have become increasingly popular, allowing consumers to purchaseitems immediately and pay for them in installments.__

Companies like Afterpay, Klarna, and Affirm have gained widespread traction, especially among younger shoppers, as an alternative to traditional credit cards. But while BNPL services may seem like a convenient way to spread out payments, using them can lead to significant regret. Here are five reasons why you should think twice before using Buy Now, Pay Later services.

__1. High Interest and hidden fees.__

Yes, these services advertise themselves as having “no fees” or “no interest,” but that is not entirely true. Depending on the service provider, repayment terms that go beyond four months can include a significantly high interest rate. Additionally, the “no fees, no interest” claim usually assumes on-time payments. If a payment is late or missed, fees and interest are often applied. It is important to note that 64% of Christians who used buy now, pay later services missed a debt payment during the last twelve months. This means BNPL users are vulnerable to these rates and fees.

__2. Encourages impulse buying.__

Proverbs 21:20 says, The wise store up choice food and olive oil, but fools gulp theirs down” (NIV). The desire for immediate gratification is often a heart issue that results in financial struggles. Unfortunately, the BNPL industry encourages immediate gratification. Many choose to use buy now, pay later services because they cannot afford to purchase the item in full. Instead of saving for the item or waiting until their finances can support the purchase, BNPL services allow the item to be acquired immediately. Using these services can perpetuate poor financial behaviors.

__3. Debt can spiral out of control quickly.__

Debt tends to be an issue for BNPL users. According to the Christian Financial Report, 82% of BNPL service users also had credit card debt. BNPL payments stack up quickly. Because these services create a façade of affordability, users continue to make purchases and cannot afford the numerous monthly payments.

__4. Lack of transparency.__

As the saying goes, the devil is in the details. While the services may tout “no interest” or “no fees,” the small print often says otherwise. The absence of interest fees applied if you only meet specific conditions. As already mentioned, the service providers may tack on fees and interest if payments are late or missed.

__5. Creates a false sense of financial health.__

Buy now, pay later services may seem like they can help you manage your monthly budget more easily by breaking the purchase into payments. But this is a mental trick to create a false sense of financial health. Breaking down the purchase amount into smaller payments does not mean that the consumer can actually afford the purchase. In fact, the purchase, even when broken down into monthly, can increase financial stress and risk. BNPL services mask the fact that you are living beyond your means.

Buy now, pay later services may seem like a convenient way to spread costs over several months, but the downside to these services is significant. They increase debt, can quickly overwhelm the budget, and result in additional fees and interest costs.

__Before using a BNPL service, take a moment to reflect on your motivations. Why can't you wait until you can afford the purchase? Does the decision align with principles of biblical stewardship? Consider an alternative approach: set aside the amount you would pay each month into a savings account until you’ve saved enough to make the purchase without relying on debt.__

__[Image](https://www.christianmoneysolutions.com/blog/5-reason-why-buy-now-pay-later-stinks)__ used with permission

You were meant for more. Your money was meant for more. You and your money are meant for an exciting, adventurous, and satisfying purpose. You were designed to live and give generously. And deep inside you know this and want this.

Christian Money Solutions

Debt

According to the 2024 Christian Financial Health Report, 43% of Christians used a buy now, pay later service last year.

5 Reason Why Buy Now, Pay Later Stinks

Whether it’s a home mortgage, a car loan or a simple credit card, taking out a loan is a big decision. Not handling your debt — and the interest that comes with it — can harm your financial well-being. That’s why understanding interest rates is so important. Below are some key concepts you’ll need to know before you take on a loan.

The **principle** is the original amount of money borrowed.

**Interest** is the cost you pay to the lender for borrowing money. It’s typically expressed as a percentage (the **interest rate**) and calculated as a specific dollar amount by multiplying it by the amount borrowed.

**Simple interest** is calculated only on the principal amount of a loan. For example, if you borrow $1,000 at an annual interest rate of 5% for three years, the total amount of interest you will pay is $150 ($1,000 x 5% x 3).

**Compound interest** is calculated on the initial principal and any accumulated interest that hasn’t been paid. Compounding increases the total amount owed over time. A home mortgage is an example of a compound interest loan.

**Fixed interest** means that the interest rate charged will remain the same throughout the loan term. This means that as the borrower, you will pay the loan in fixed installments.

With **variable (or floating) interest,** the interest rate can fluctuate over time based on an underlying benchmark, such as the prime rate (which is based on the Federal Reserve’s federal funds overnight rate). With variable interest rate debt, your monthly payments could increase or decrease over time, so be aware!

**Amortization** is the process of spreading out a loan into a series of fixed payments, with a portion of each payment going toward interest and another toward reducing the principal. In the early years of a home mortgage, most of your monthly payment goes toward interest, with a smaller amount going toward the principal. Over time, the portion toward the principal increases while the interest portion decreases.

**Accrued interest** accumulates on a loan over a period of time before being paid or added to the balance. Student loans are accrued interest loans. While you’re in school, the interest accrues on the principal, but you’re not required to make payments. Upon graduation, the accrued interest is added to the principal balance, increasing your debt.

The **annual percentage rate (APR)** is the yearly total cost of borrowing, including interest and fees. Suppose you had a $100 loan with an interest rate of 5% and an annual $1 fee. At the end of the year, you would have paid $5 in interest and $1 in fees, totaling $6. This would equal an APR of 6% ($6/100).

The **nominal interest rate** is simply the stated interest rate of a loan. Suppose you take a loan for $100 at an interest rate of 5%, due at the end of one year. Since the nominal interest rate is 5%, you can expect to pay $5 of interest ($100 x 0.05).

The **effective interest rate** accounts for the impact of compounding interest. Suppose you borrow $100 under the same terms outlined above, but this time, the interest is compounded semiannually (or twice a year at half the annual interest rate). After the first six months, the interest accrued on your loan is $2.50 ($100 x 0.025). After the second six months, the additional interest accrued on your loan is $2.56 ($102.50 x 0.025). At the end of the loan’s term, you will have paid $5.06 in interest, making the effective interest rate 5.06%, slightly higher than the nominal interest rate.

With all the variations of interest, you can see why it’s essential to understand it to avoid costly mistakes. To minimize your interest expense, remember these two rules of thumb:

1. Pay more than the minimum payment due each month or make extra payments on the principal. Since interest is calculated on the outstanding principal balance, the quicker you reduce that balance, the less interest you will pay.
2. Choose the shortest loan term you can. You may be able to get a lower monthly payment with a longer-term loan, but you'll pay more interest over time.

Looking for more help? Check out our helpful [resources](https://www.guidestone.org/Resources) and [calculators](https://www.guidestone.org/Resources/Education/Calculators). Also, [browse and watch our webinars](https://www.guidestone.org/Resources/Education/Webinars) for tips on money management and good financial stewardship for additional guidance in handling your financial resources wisely.

At GuideStone®, we want every servant of Christ to finish well. Our mission is to enhance the financial security and resilience for those who serve the Lord.

For more information, contact us at *[Info@GuideStone.org](mailto:Info@GuideStone.org)* or **1-888-98-GUIDE** (1-888-984-8433) Monday through Friday, 7 a.m. to 6 p.m. CT, to speak with a customer solutions specialist.

GuideStone

Credit and Debt Management

Whether it’s a home mortgage, a car loan or a simple credit card, taking out a loan is a big decision.

Understanding Interest Rates: A Beginner’s Guide

_“Take care, and be on your guard against all covetousness, for one’s life does not consist in the abundance of his possessions.”_ — Luke 12:15

In an age of instant gratification, getting what we want has never been easier, even if we can’t afford it. But as “Buy Now, Pay Later” (BNPL) services become increasingly popular, they’re quietly reshaping our relationship with money, debt, and even contentment. Let’s explore how these programs work, why they’re spiritually and financially dangerous, and how Scripture invites us into a better way.

### What Is Buy Now, Pay Later?

Originally used for large purchases like furniture or electronics, BNPL services now allow consumers to split nearly any purchase into multiple payments—even cheeseburgers. DoorDash, for example, lets customers finance their food in four installments. The convenience may seem harmless, but it can mask deeper issues.

Companies like Klarna, Afterpay, Affirm, Zip, Sezzle, and PayPal offer these options at checkout. According to [Experian](https://www.experian.com/blogs/insights/buy-now-pay-later-payments/), more than 80% of U.S. shoppers have used BNPL. The ease is attractive, but the long-term impact can be devastating.

BNPL makes it _seem_ like you’re not going into debt, but that’s exactly what’s happening. Small recurring payments across multiple platforms add up fast, leading to overdraft fees, financial stress, and, in many cases, high interest rates—some as high as 36% for missed or extended payments.

A $60 DoorDash meal split into four $15 payments doesn’t seem bad—until you do it for every meal. Or take a $3,000 couch bought with a BNPL plan: one missed payment, and that couch could ultimately cost $8,000 due to fees and interest.

### Scripture’s Warnings About Debt

The Bible doesn’t shy away from warning us about the dangers of debt. Proverbs 22:7 tells us, _“The borrower is the slave of the lender.”_ Debt isn’t just a financial issue—it can become an emotional and spiritual burden, dividing our attention and devotion.

In Luke 12:15, Jesus reminds us that _“life does not consist in the abundance of possessions.”_ Yet BNPL feeds the lie that more stuff equals more satisfaction. Instead of trusting God to provide, we try to manufacture comfort and control through impulsive spending.

Why are we tempted to buy now and pay later? Often, it’s not out of need, but out of insecurity, impatience, or discontentment. Paul models a better path in Philippians 4:11–13: _“I have learned in whatever situation I am to be content...I can do all things through him who strengthens me.”_

True contentment doesn’t come from a checkout screen—it comes from trusting the Lord to provide, even when the budget feels tight.

### A Better Way: Practical and Spiritual Wisdom

So, how do we resist the pull of BNPL and grow in godly contentment?

**Practically:**

* **Build margin.** Save up for purchases ahead of time.

* **Budget for “wants.”** Use a separate category or envelope system.

* **Set spending limits.** Use cash or debit card to help avoid overspending.

**Spiritually:**

* **Examine your heart.** Ask: Am I trusting God, or just trying to feel better?

* **Pursue contentment.** Let God define your enough.

* **Practice gratitude.** Train your heart to see God’s provision in what you already have.

### Freedom to Live Generously

Saying no to unnecessary debt frees us to say yes to generosity. When we live with open hands and open hearts, we reflect the freedom we have in Christ—freedom from striving, fear, and scarcity. And that’s far better than four easy payments.

So next time you see a “Pay in 4” button, pause. Ask yourself: _Do I really need this? Can I pay for it in full? And does this reflect trust in God, or just in a payment plan?_

Wise stewardship begins with contentment, and contentment begins with Christ.

### On Today’s Program, Rob Answers Listener Questions:

* My husband and I are sending our son on a five-week mission trip to Scotland. We’re debt-free and want our kids to stay that way. I’m hesitant to open a credit card, but what’s the best, safest way to give him access to money while he’s overseas?

* We recently sold our home at a profit, bought a new one, and are now debt-free. However, the new home needs repairs, and we still have a mortgage. Should we tithe on the profit from the home sale, or use those funds for the house needs?

* I’m a recently retired teacher with two annuities—one worth $19,000 and the other about $13,000. I’ve just opened an IRA and wonder if I should roll the annuities into it, or if there might be a better strategy.

* I’ve inherited a large amount of cash-valued property and need guidance on how to manage it wisely, especially to minimize potential tax liability.

* We paid off our home in October 2024. Do we need the deed and title to protect ourselves from fraud, or is it handled automatically?

### Resources Mentioned:

* [Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)](https://faithfi.com/give)

* [Christian Credit Counselors](https://christiancreditcounselors.org/FaithFi/?%24web_only=true&_branch_match_id=1446488151751855608&utm_medium=moneywise&_branch_referrer=H4sIAAAAAAAAAwXBQQqAMAwEwB81IJ4E8eBDpNZoQ2taNhFvvt2Z7N5tIoIOYwmx91BFCzGlDDGXqAl8iKf2qHFtsOUDnwyIXtuO9hpjXjPazT%2BMgBPcTAAAAA%3D%3D)

* [Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)](https://www.faithfi.com/shop/wisdomoverwealth)

* [Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety](https://www.faithfi.com/sparrows)

* [Rich Toward God: A Study on the Parable of the Rich Fool](https://www.faithfi.com/rtg)

* [Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)](https://www.faithfi.com/find)

* [FaithFi App](https://www.faithfi.com/manage)

<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

Faith & Finance is a daily radio ministry hosted by Rob West. The program offers a practical, biblical and good-natured approach to managing your time, talents and resources.

Faith & Finance with Rob West

The Danger of Buy Now, Pay Later

Listen to a Faith & Finance listener's testimony of God's faithfulness through his obedience to pay back taxes.

A testimony of a Faith & Finance Listener who faithfully paid his tax obligations he had avoided for years.

A Testimony of Joyful Obedience

Listen to a Faith & Finance listener's testimony of God's faithfulness through his obedience.

A Faith & Finance listener's testimony of God's faithfulness through his obedience.

Faithful Obedience

After having brain surgery, this caller was practically bankrupt. With hundreds of thousands of dollars of debt, he began to follow the Bible's principles related to managing money. Miraculously, by God's grace, this caller is now debt free!

Every day, FaithFi is helping people learn and apply biblical principles to their finances. If you'd like to see more people experience the freedom found in faithfully stewarding God's resources, please consider partnering with us by making a [one-time or monthly gift](https://faithfi.netviewshop.com/jun23web).

Listen to this amazing testimony of God's faithfulness in times of uncertainty

A Testimony of God's Faithfulness in Times of Uncertainty

Is all debt bad? Or does some good debt exist? Here are the biblical principles to discern the difference from Ron Blue.

The Ron Blue Institute seeks to be a thought leader with great influence committed to changing the way Christians think, act, and communicate about financial stewardship, empowering the church, and changing the world.

Ron Blue Institute

Videos

Is all debt bad? Or does some good debt exist? Here are the biblical principles to discern the difference.

What is good debt vs. bad debt?

Besides the interest rate, what the the other considerations when deciding whether to refinance your home or not? Ron Blue share his expertise that he has used with past clients.

Besides the interest rate, what the the other considerations when deciding whether to refinance your home or not?

When Should You Refinance Your Home?

Ron Blue shares his experience on how to determine the benefits and options on this specific type of insurance to protect the liability on your assets.

How to determine the benefits and options on this specific type of insurance to protect the liability on your assets.

What is Mortgage Credit Life Insurance?

Despite normal test results, missionary and author Kimberly Rae Thigpen struggled with debilitating health issues. When her health problems required her and her family to return to the United States after serving as missionaries in Uganda, Kosovo and Indonesia, all she could see was lifelong disability and an overwhelming stack of prescriptions. After an MRI, doctors finally discovered the source of her medical difficulties.

God used her circumstances to build her faith. He also opened the door for her to be mere hours away from one of the few doctors who could treat her rare condition—and because of her Gold level membership with Christian Healthcare Ministries, Kimberly was able to get the care she needed.

Want to learn more about health cost sharing and CHM?

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We’re not insurance – We’re the better, biblical solution to taking care of your medical costs. If you don’t love how your health insurance works, maybe it’s time to leave traditional health insurance behind.

Christian Healthcare Ministries

God used her circumstances to build her faith and provide for her financial needs during treatment.

The Hidden Danger of Buy Now, Pay Later

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In a culture of instant gratification, it's easier than ever to get what we want, even if we can't afford it.

Jim Henry

Understanding Credit Card Float—And How to Avoid It

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What is it, how does it work, and how do you avoid the potential pitfalls that come with it?

Jim Henry

5 Reason Why Buy Now, Pay Later Stinks

Mar 13, 2025

According to the 2024 Christian Financial Health Report, 43% of Christians used a buy now, pay later service last year.

Art Rainer

Understanding Interest Rates: A Beginner’s Guide

Jan 9, 2025

Whether it’s a home mortgage, a car loan or a simple credit card, taking out a loan is a big decision.

GuideStone

The Danger of Buy Now, Pay Later

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FaithFi: Faith & Finance

A Testimony of Joyful Obedience

Jun 27, 2024

A testimony of a Faith & Finance Listener who faithfully paid his tax obligations he had avoided for years.

FaithFi

Faithful Obedience

Jun 28, 2023

A Faith & Finance listener's testimony of God's faithfulness through his obedience.

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A Testimony of God's Faithfulness in Times of Uncertainty

Jun 16, 2023

Listen to this amazing testimony of God's faithfulness in times of uncertainty

FaithFi

What is good debt vs. bad debt?

Mar 3, 2025

Is all debt bad? Or does some good debt exist? Here are the biblical principles to discern the difference.

Ron Blue

When Should You Refinance Your Home?

Oct 21, 2024

Besides the interest rate, what the the other considerations when deciding whether to refinance your home or not?

Ron Blue

What is Mortgage Credit Life Insurance?

Nov 9, 2023

How to determine the benefits and options on this specific type of insurance to protect the liability on your assets.

Ron Blue

Author Suffers Mysterious Illness - Kimberly Rae Thigpen

May 19, 2025

God used her circumstances to build her faith and provide for her financial needs during treatment.

Christian Healthcare Ministries