__No matter where you’re going, it is always important to count the cost. The journey of homeschooling is no exception.__

At first glance, you might think your cost calculation begins and ends with the cost of the curriculum. In reality, there are many factors at play that can impact homeschool expenses. Those many factors account for a wide variance in the total cost spent. When surveying homeschool families, it is common to hear the cost per year per child reported as being anywhere from $200 to $2000. With this in mind, it helps us see, that if you feel called to homeschool, careful budgeting skills are going to be important.

Consider the following five areas as a starting place for building your homeschool budget:

### __1. Curriculum__
### 
This one is the most obvious, but the cost here can range from free to over a thousand dollars per child per year. If the fear of the cost of curriculum holds you back from choosing to homeschool despite feeling called to do so, put that to rest knowing that you can choose high quality home education that fits your budget. If you’d like tips on saving money in this area, check out [this article](https://www.christianmoneysolutions.com/post/7-ways-to-save-money-as-a-homeschool-family).

### __2. Supplies__

Another obvious cost to homeschool is school supplies. This is one area where homeschooling can have the potential for a financial advantage over public or private school. While you can create a school room in your home complete with decor and desks, it is not necessary. Consider if you will need manipulatives, flashcards, a printer, a white board, a laptop, or other office equipment. The need for these items will be based largely on the curriculum you choose. More than likely, you won’t need to purchase new supplies each year. According to the National Retail Federation, public school families spend around $800 per year on supplies. This can add up to big savings for homeschoolers by removing the need for new backpacks, lunchboxes, folders, and binders each year.

### __3. Food__

You may think this doesn’t fall under homeschool budgeting. Technically, you might be right, but it is something that a lot of new-to-homeschool families forget to consider. Granted, the financially impact will be different for each family. Some families who can receive free or reduced lunches at school will see an increase in costs for food at the grocery store. Other families who are used to buying school breakfasts and lunches may find they save money by staying home. Still others may find this area to be equal no matter the schooling option they choose. It is important to think through your food plan and budget. Will your kitchen be “open” all day for children (and adults) to eat when they like, or will you have set meal and snack times? Will you prepare new meals for lunch, have the children prepare their own lunch, or reheat dinner leftovers? Whatever your choices are, make sure you have accounted for the adjustments in your food budget.

> __Whatever your choices are, make sure you have accounted for the adjustments in your food budget.__
### 
### __4. Utilities__

Remember back in March of 2020 when we all had to stay home? Suddenly, everyone’s utility bills increased, and adjustments had to be made. Some of us stayed working from home and those adjusted utility bills became the new normal. If you have always stayed at home with your children, homeschooling may not require you to adjust your utilities budget. However, if you are new to homeschooling, and you are not in the habit of staying at home most days with your children, then you will need to consider an adjustment to your utilities budget as you count the cost of homeschool.


![](https://static.wixstatic.com/media/11062b_cc0b4cdcd6264d1d8c5a89ac82b92970~mv2.jpg/v1/fill/w_693,h_459,al_c,q_80,usm_0.66_1.00_0.01,enc_auto/11062b_cc0b4cdcd6264d1d8c5a89ac82b92970~mv2.jpg)


### __5. Extra-curricular activities and field trips__

It is typical in public and private schools for all the students to participate in a variety of special interest learning areas such as drama, music, art, P.E., and technology. When you homeschool, it is up to you how many of these special interest areas you will study and how deeply. For example, if your child is already taking piano lessons, you most likely wouldn’t need to add music education into your homeschool budget. If your student has had no exposure to music education, and that is something you desire for them, then you will need to budget in a class or curriculum for this area.

The same concept applies to field trips. It is up to you to decide if you will take field trips or not. If you decide to take field trips, you get to decide where and how often you will go. Many places offer homeschool days with cheaper rates so you can plan accordingly and consider if you will need to add things like museum tickets or zoo memberships to your homeschool budget.

Building a homeschool budget for the first time can feel like a tricky task but when you carefully count the cost, you can build an accurate homeschool budget that will set you up for a year of success.

__[Image](https://www.christianmoneysolutions.com/post/how-to-build-a-homeschool-budget)__ 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

Marriage and Family

No matter where you’re going, it is always important to count the cost. The journey of homeschooling is no exception.

How to Build a Homeschool Budget

__In today’s money, Solomon, the wisest human who ever lived, possessed what would make him one of the top five richest men in the world.__

He lived in a palace that took 13 years to build (__[1 Kings 7:1](https://www.biblegateway.com/passage/?search=1+Kings+7%3A1&version=NKJV)__). He owned 40,000 stalls of horses (__[1 Kings 4:26](https://www.biblegateway.com/passage/?search=1%20Kings%204%3A26&version=NKJV)__).

In __[Ecclesiastes5](https://www.biblegateway.com/passage/?search=Ecclesiastes%205:9-11&version=TLB)__ he writes, *“He who loves money shall never have enough. The foolishness of thinking that wealth brings happiness! The more you have, the more you spend, right up to the limits of your income.”*

Obviously, Solomon was in a position to know whether money would bring happiness, and he didn’t hesitate to say that it does not.

Many people, however, believe you can buy happiness.

“If only I had a new car.” “If only I lived in that nice house.” “If only… then, I’d be happy.”

The list is endless.

The Lord evaluates true riches based on His __*spiritual*__ value system. Those who are wealthy yet do not enjoy a close relationship with Christ are actually poor.

__[Revelation 3:17](https://www.biblegateway.com/passage/?search=Revelation+3%3A17&version=NASB1995)__ reads, *“Because you say, ‘I am rich, and have become wealthy, and have need of nothing,’ and you do not know that you are wretched and miserable and poor and blind and naked.”*

True prosperity extends far beyond material possessions. True prosperity is gauged by how well we know Jesus Christ and how closely we follow Him.

__It all boils down to this…True joy is based on our relationship with Christ.__

*[Image](https://compass1.org/wp-content/uploads/2023/04/Compass-Blog-Cover.png) used with permission. *

Equipping people worldwide to faithfully apply God’s financial principles so they may know Christ more intimately.

Compass Financial

Money Topics

In today’s money, Solomon possessed what would make him one of the top five richest men in the world.

Can Money Buy Happiness?

__Earlier, we began a three-part series on [cash flow planning](https://soundmindinvesting.com/articles/budgeting-is-about-having-more)  —otherwise (and not so popularly!) known as budgeting. As part of that first article, I pointed to our Recommended Cash Flow Guidelines (in the [Downloads section](https://soundmindinvesting.com/resources/downloads) of the SMI website), which show what a plan might look like for households that earn various levels of income.__

I thought it would be helpful to explain some of the assumptions I made in developing those guidelines and to share some of the conclusions that seemed to jump off the spreadsheet while putting the guidelines together.

- If were going to live generously and save and invest adequately, it’s important to allocate money to those priorities before deciding how much we can afford to spend on a house, clothing, vacations, entertainment, and all the rest. That’s why those categories are at the top of the guidelines and the Cash Flow Plan form (also in the Downloads section).
- I set generosity at a tithe, or 10% of gross income, regardless of income. That’s where God started His Old Testament followers ([Leviticus 27:30](https://biblia.com/bible/niv/Lev%2027.30)), it’s a practice Jesus affirmed ([Matthew 23:23](https://biblia.com/bible/niv/Matt%2023.23)), *and,* because the Bible mentions both tithes and offerings, it’s clearly not God’s intended stopping point.
- I set saving/investing at 10% of gross income on the lowest end of the income spectrum and grew it incrementally to 15% at the highest end. Ten percent seems like a minimal threshold in order to prepare for our later years. And, if we want to help our kids pay for college, we’ll have to save more than that.
- In order to live generously and save/invest adequately, it’s essential to have no debt other than a reasonable mortgage. I don’t see how to live out those priorities otherwise. If you have other debts, I recommend spending less in some of the discretionary categories and putting the money you free up toward the [accelerated payoff of your debts.](https://soundmindinvesting.com/articles/the-7-essential-steps-to-leaving-debt-behind)
- Housing is most people’s largest expense category, which is why it’s so important to [keep spending on this category *reasonable.](https://soundmindinvesting.com/articles/making-sure-your-house-doesnt-own-you1)*  By that, I mean spending no more than 25% of monthly gross income on the combination of your mortgage, property taxes, and homeowners insurance — preferably no more than 20%.
- In the Recommended Housing Guidelines (also in the Downloads section), you’ll see the assumptions I made for property taxes and homeowners insurance. If your costs differ, that’ll impact how much of a mortgage you can afford.
- The cost of living in different parts of the country differs greatly. If you live in an expensive part of the country, you’ll need an unusually high income or you’ll have to make some trade-offs in the various discretionary spending categories.
- The cost of healthcare differs greatly as well. Some families are covered by generously-subsidized plans, others are on their own. If you pay a small fortune for healthcare, you might want to consider using a [health care sharing ministry](https://soundmindinvesting.com/articles/health-care-sharing-ministries-a-christian-alternative-to-health-insurance).

To develop a plan tailored to your unique situation, here’s the process I recommend. First, enter your gross income. Then enter amounts for generosity, saving/investing, and debt payments. Then fill in your essential expenses (i.e., food, utilities, insurance). Last, see how much you have left over for discretionary expenses (i.e., entertainment, clothing, vacations).

I’d appreciate hearing your feedback on all of this. Are there any areas where the guidelines or assumptions seem wildly off base? If you live in a high cost-of-living area, how do you make it work? What have you had to do in order to live generously and save and invest adequately? If you pay a lot for health care, how do you make *that* work?

Clearly, cash flow planning is not a one-size-fits all proposition. But hopefully the Recommended Cash Flow Guidelines are helpful for putting together a plan that works for you.

*[Image](https://soundmindinvesting.com/img/asset/Y2xvdWQvY2FzaC1mbG93LXBsYW5uaW5nLmpwZw==?fit=crop&w=1660&h=896&s=b7c6eeaabf3587e0141a80570d9ea98e) used with permission. *

Since 1990, do-it-yourself Christian investors have relied on SMI for proven strategies and trustworthy guidance.

Sound Mind Investing

Personal Finance

Clearly, cash flow planning is not a one-size-fits all proposition, but here are some guidelines.

How Does YOUR Cash Flow?

## __Have you sketched out your 2023 New Year’s resolutions yet? If so, where did “make a budget” fall on your list? 😊__

For most, budgeting is boring and never makes it to the list of things we prioritize.

According to a Gallup poll, only about 1/3 of Americans maintain a budget. And according to Calendar.com, the average American spends less than 4.5 hours on their finances  A YEAR. Why is that?

In my experience, the reason most people don’t budget relates to a lack of know-how (i.e., what it means to budget and how to do it) or a lack of discipline (i.e., our willingness to trade short-term pain for long-term gain).

The problem, unfortunately, is that the unintended consequences of not budgeting are generally not good. For example:

- Over 50% of Americans live paycheck to paycheck (MarketWatch)
- Less than 40% of Americans have enough savings to cover a $1,000 emergency (Bankrate)
- The majority of Americans have less than $50,000 saved for retirement, 36% having less than $10,000 and 24% having nothing saved at all (GOBankingRates)

If this describes you, there IS hope, and you CAN change. It’s a new day, a new year, a new you!!! To learn more about budgeting or getting help, connect with us at [www.compass1.org](http://www.compass1.org). But first, here are a few simple tips to get started building a better budget and a better you in 2023…

__First__, anchor yourself in God’s Word and commit to handling your money His way.

In __[Proverbs 21:5](https://www.biblegateway.com/passage/?search=Proverbs+21%3A5&version=TLB)__, God teaches us the principle of steady plodding and why planning is so important. Your mindset matters a lot when budgeting. If you know where you want to be financially, you have something to strive for. This positive end goal will help you make better day-to-day spending decisions when living your life.

__Second__, get started and trust the math.

Getting and staying on a budget over a long period of time works. A budget will highlight where your money is going, what you can afford, how to discern between your needs and wants, what to plan for throughout the year and where opportunities for improvement may be.

Budgeting is based on a simple formula, and the basic principles are threefold:

1. Spend less than you make
2. Take what’s left to save and give
3. Avoid the bad stuff (like expensive debt or impulse spending)

A great budgeting framework for your income is to give 10%, save 10% and spend 80%. It is also a good rule of thumb to build up at least three to six months of your income for unplanned emergencies.

__Third__, if you can’t afford it, don’t buy it.

I know this is easier said than done. The world wants us to think we “gotta have it now.” There’s danger in this thought process, because it feeds into things like coveting and greed. Or said another way… idolatry.

Jesus, on the other hand, tells us in [Luke 14:28-29](https://www.biblegateway.com/passage/?search=Luke+14%3A28-29&version=TLB) not to buy something if we can’t afford it. He gives us this counsel in the context of living for Him.

## Yes, there is a cost to being His disciple, and it takes humility, surrender and choosing to serve God over money.

When faced with these spiritual vs. spending decisions, lean on the Lord for help. Over time, you will begin to feel the daily victory in improving your finances instead of having the latest shiny object. And long term, you will experience the reward of truly becoming Free to Serve Him in every area of your life.

Have a great 2023!

*[Image](https://compass1.org/wp-content/uploads/2023/01/Compass-Blog-Cover.png) used with persmission. *

When faced with the following spiritual vs. spending decisions, lean on the Lord for help.

New Year, New Day, New You

One of the most loved and theologically rich Christmas carols is “O' Holy Night.” But is it just about Christmas? The third stanza of that carol boldly proclaims: “Chains shall he break for the slave is our brother, And in His name all oppression shall cease.” Rob talks with Rachel McDonough about how investing relates to this verse, and how you can be a part of it. This is MoneyWise Live - biblical wisdom for your financial decisions. Rachel McDonough is a Certified Financial Planner and a Certified Kingdom Advisor and she always has her sights set on how we can engage the culture with our investment decisions. Rachel and Rob cover these topics and questions:<ul><li>Faith-based investing continues to grow as a movement and we’re constantly hearing from folks who want to get involved. What do you have for us today?</li><li>Can you give us an example of this type of investing?</li><li>We often think of slavery as having ended in 1865 with 13th amendment was passed, but how big of an issue is it today?</li><li>Can you give us an example of industries that are riddled with slave issues?</li><li>No doubt many of our listeners give to nonprofits that are in the front lines, battling to end slavery but you’re saying that donations alone won’t get it done?</li><li>So, what can Christians do about it? </li><li>I imagine diverting capital away from companies that are using forced labor is going to get their attention over time, right? </li><li>Aligning investments with their values is something you encourage your clients to do?</li><li>What do your clients tell you is important to them?</li><li>We began this discussion with a Christmas carol. During this season and heading into the New Year, it’s a great time to reassess our investments, isn’t it?</li></ul>On-Air Mention:<ul><li>This week’s featured scripture verse is from Deuteronomy 28:12 which says, “The Lord will open the heavens, the storehouse of his bounty, to send rain on your land in season and to bless all the work of your hands. You will lend to many nations but will borrow from none.” That’s good news from God’s Word today. We feature a different scripture passage each week in our Weekly Wisdom email, and it’s a free subscription. Join the thousands of others who are receiving it by going to moneywise.org and click “Sign Up” to register.</li></ul>We’re continuing our $50,000 Matching Gift Offer, and you have through this weekend to take advantage of this special opportunity. <ul><li>To help meet our year-end fundraising goal of $250,000, a generous donor has offered to match donations given this week up to $50,000, which means that your gift is effectively doubled in impact! </li><li>Some gracious listeners who have given are: <ul><li>Deborah in Coeur D Alene, ID gave $100</li><li>Emanuel in Boynton Beach, FL gave $25</li><li>Vicki in Fort Myers, FL gave $500</li><li>Sylvia in West Palm Beach, FL gave $50</li></ul></li><li>If you’ve benefited from MoneyWise and want to help expand the message of financial faithfulness next year, would you consider sending a matching gift this week to support this ministry? Your gift is tax-deductible, and it’s a direct way to help build and strengthen the Kingdom of God. Go to moneywise.org and click “Give”.</li></ul>Next, Rob answers these questions at 800-525-7000 or via email at Questions@MoneyWiseLive.org:<ul><li>What is a fixed annuity investment account?</li><li>If you're finally debt free, what should you do with your disposable income?</li><li>If you received a injury settlement and a company named Synergy put you into a "special needs" trust but you found out that they're being sued for doing so, should you be contacting an attorney about this?</li><li>If you have 2 credit cards totaling about $1,500 at 26% and 29% and you want to get out of them, would it be wise to pay it off with an 11% loan?</li><li>If you have land you've owned for 40 years originally purchased for $25,000 that sold recently for $250,000, are there any good ways to avoid capital gains from this?</li><li>If you're in your 60s and used to brick and mortar banks and getting paper statements, what sorts of cautions should you use regarding scams?</li></ul>&lt;-- Jerry Bowyer Market Analysis --&gt;<ul><li>We're heading toward year end, a lot is going on in the market including another 50 basis point increase, what do you have for us other than that?</li></ul>Be sure to check out the rest of MoneyWise.org to connect with a MoneyWise Coach or access our books and our many free helpful resources. You can also find us on Facebook (MoneyWise Media) and join the conversation. Thanks for your prayerful and financial support that helps keep MoneyWise on the air. And if you'd like to help, just click the Donate tab at the top of the page.

FaithFi

Listen to MoneyWise Live each weekday at 4pm EST on Moody Radio.

MoneyWise Live

Is O Holy Night” just about Christmas? It boldly proclaims: “Chains shall he break for the slave is our brother, And in His name all oppression shall cease.” Rob talks with Rachel McDonough about how investing relates to this verse.

For-Profit Investing to End Slavery with Rachel McDonough

One of the most loved and theologically rich Christmas carols is “O Holy Night.” But is it just about Christmas? The third stanza of that carol boldly proclaims: “Chains shall he break for the slave is our brother… And in His name all oppression shall cease.” Today we’ll talk with Rachel McDonough about how investing relates to this verse.
Rachel McDonough is a Certified Financial Planner and a Certified Kingdom Advisor.
<ul><li>Faith-based investing continues to grow as a movement, and we’re constantly hearing from folks who want to get involved.</li><li>McDonough says that through our investing we can be ambassadors of Jesus so that investing becomes more than just about risk and return, but it becomes redemptive. </li><li>McDonough calls attention to the connection between slavery and our investing. When people hear “O Holy Night,” they don’t often think about slavery. And they almost certainly don’t think about investing. </li><li>Some of the companies many of us invest in — or from which we buy products — benefits from borderline slavery or even literal forced labor overseas. </li><li>McDonough says it’s estimated that the supply chain currently enslaves more people today than at any other time in human history, more than 50 million worldwide. She adds that these are, sadly, people who are indirectly working for you and me … because of our shopping and investing patterns. </li><li>It’s a problem that’s very hidden deep within the supply chain. Some industries plagued by this evil are the coffee, chocolate, seafood, and textile industries. </li><li>McDonough says that to address this problem, we have to change the way we invest and shop. </li><li>It’s important for us to research the products we buy and the companies from which we buy them to ensure they’re not benefiting from forced labor. </li><li>On the investing side of the equation, she notes that there are now numerous organizations that offer faith-based investing options that screen to ensure they’re operating ethically. </li><li>If we will care enough to slow down and learn about the options, then we can show love for our exploited neighbors across the world by changing how we invest.</li><li>Learn more about Rachel McDonough and her services at <a href="https://www.wealthsq.com/">WealthSQ.com</a>.</li></ul>On this program, Rob also answers listener questions: 
<ul><li> Could a Christian cost-sharing plan be a better alternative to traditional healthcare insurance? </li><li>When does it make sense to cash in CDs early? </li><li>When is it wise to pay off a mortgage early? </li></ul>RESOURCES MENTIONED: 
<ul><li><a href="https://www.chministries.org/">chministries.org</a> </li></ul>Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to <a href="mailto:questions@moneywise.org">Questions@MoneyWise.org</a>. Also, visit our website at <a href="http://moneywise.org/">MoneyWise.org</a> where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app.

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

Being faithfully faithful until the end, according to Rob West, includes preparing for your departure. Faithful financial stewardship involves planning so those expenses aren’t borne by those you leave behind.

The Faith & Finance Minute is a great way to be reminded of God's financial principles with actionable items you can easily apply to your daily life.

Faith & Finance Minute

Being faithfully faithful until the end, according to Rob West, includes preparing for your departure. Faithful financial stewardship involves planning so those expenses aren’t borne by those you leave behind.

Financially Faithful to the End

You’ve heard the saying, “You have to spend money to make money.” We usually think that spending money to make it involves a business, but it applies to folks working for a paycheck, too. We’ll talk about what it really costs to earn that paycheck.
<ul><li>Working, especially working outside the home, has hidden costs — and some not so hidden. Almost all of us have to work, so what’s the point of knowing how much it costs us?</li><li>Knowing how much you’re spending to bring home that paycheck … is information you need to make wise decisions. </li><li>By subtracting those costs from your paycheck, you discover your actual take-home pay. Depending on your situation, that could make all the difference. For example: if you’re a parent deciding whether to enter into the workforce or stay home with your child.</li><li>Let’s start with some of the obvious costs of venturing out into the working world. First, how will you get there? You may need to consider the cost of gas and maintaining a vehicle. Don’t forget about the cost of registering the vehicle and insurance. </li><li>Now, in many cases, you’ll still need a second car if you’re a stay-at-home parent, but in that case, many of your vehicle related costs will be lower. For example, you won’t spend as much on fuel and insurance if you’re not commuting.</li><li>In most cases you’ll need to buy clothing that’s appropriate for your job. A paralegal working in a law office may spend more on clothes than someone working in retail.</li><li>But the biggest obvious expense with working outside the home is childcare. According to the career site Zippia, the average cost of daycare in the U.S. is $340 per child, per week or $17,680 a year. That will take a huge bite out of your paycheck.</li><li>And there are many other, smaller costs of working. Unless you’re very disciplined, you may spend money on coffee and lunches out.</li><li>You may also have dry cleaning costs for that professional wardrobe. Or maybe you need a very nice looking, late model vehicle if you’re meeting with clients.</li><li>Okay, let’s look at some of the less obvious costs to working outside the home. It’ll make you a much busier person. You might get “take out” meals more often or buy more expensive pre-packaged foods. You also won’t have time to shop for deals or clip coupons and you may end up going to stores that are convenient, but more expensive.</li><li>Some of these costs might seem trivial, but small things add up. If you treat yourself to a $9 lunch once a week, that’s about $470 a year. And that’s just a small expense compared to almost $18,000 a year for childcare.</li><li>When you total up all of these expenses, you get a much clearer picture of how much you’re actually making. If you take home $35,000 a year after taxes, but your costs are $20,000, you’re actually bringing home $15,000. That comes to a little more than $7 an hour. And you have to ask, is it worth it?</li><li>We’re certainly not trying to convince you not to work. But it’s important to think about the true cost of working so that you can make an informed decision. In some cases, those who can live without that second paycheck may decide it’s not worth it, especially if “doing without” means you can stay home with your children.</li><li>Not surprisingly, there’s been a <a href="https://www.zippia.com/advice/us-child-care-availability-statistics/#:~:text=The%20average%20cost%20of%20daycare,are%20in%20daycare%20year-round.">13% decline</a> in the number of working mothers over the past two decades, due to the high cost of childcare and other factors.</li><li>On the other hand, if you really need to work, knowing how much it’s costing you could motivate you to look for a better paying job or to finally ask for that raise you deserve.</li><li>In 1 Timothy 5:18, Paul says, “You shall not muzzle an ox when it treads out the grain,” and, “The laborer deserves his wages.”</li></ul>On this program, Rob also answers listener questions: 
<ul><li>How do you determine where to give your charitable gifts? </li><li>Would it be wise to take out a collateral loan for investment purposes? </li></ul>Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to <a href="mailto:questions@moneywise.org">Questions@MoneyWise.org</a>. Also, visit our website at <a href="http://moneywise.org/">MoneyWise.org</a> where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app.

You’ve heard the saying, “You have to spend money to make money” but do you really know how much you’re spending? ﻿We usually think that spending money to make it involves a business but it applies to folks working for a paycheck, too.

Spending To Make Money

There are some important factors to consider with both options. Ron Blue shares his experience and wisdom.

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

Should I buy term or whole life insurance?

More specifically, how do you prepare kids now for the financial responsibilities of college? Ron Blue shares his wisdom and experience.

More specifically, how do you prepare kids now for the financial responsibilities of college?

How do I prepare my kids for financial responsibility?

Ron Blue shares his experience and wisdom on how to solve financial disagreements in marriage spousal relationships.

Ron Blue offers his experience and wisdom on how to resolve financial differences in a spousal relationship.

What do I do about a marriage disagreement over a budget?

Beverly Grant shares her inspirational generosity journey. Click the Generous Giving link below to learn more about this organization’s vision and purpose.

We exist to spread the message of biblical generosity in order to grow generous givers especially among those entrusted with much.

Generous Giving

Business & Career

Beverly shares her inspirational generosity journey.

How to Build a Homeschool Budget

Can Money Buy Happiness?

How Does YOUR Cash Flow?

New Year, New Day, New You

For-Profit Investing to End Slavery with Rachel McDonough

For-Profit Investing to End Slavery with Rachel McDonough

Financially Faithful to the End

Spending To Make Money

Should I buy term or whole life insurance?

How do I prepare my kids for financial responsibility?

What do I do about a marriage disagreement over a budget?

Generosity Story - Beverly Grant