Pugh Financial Coaching
I help Christians reduce their financial stress by improving their relationship with money. It is at that point they are able to make better decisions daily so they can live the best version of their life.
How to Prepare Your Finances for Summer (Without the Stress) | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Summer is right around the corner. And for many of us, more sunlight often leads to more spending. But this year can be different. You can enjoy your summer without the stress—if you prepare for it now. Payday Tip If you’re a parent, take a moment this week to check summer camp registration dates and costs. Those expenses come quickly. If you’re planning a vacation, go ahead and request your time off. Give yourself space to plan well, not rush...
Don’t Miss Your Harvest | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, Those too lazy to plow in the right season will have no food at the harvest. -Proverbs 20:4 NLT Today was supposed to be takeaways from Proverbs. Somehow I skipped over Proverbs 20, and when I went back to read it, it felt like a gut punch. I try to be honest with you all, so I’ll say this plainly. When December comes, we can’t be upset about progress we didn’t make if we didn’t do the work to get there. That is a tough pill to swallow. Delaying...
Spring Clean Your Finances | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, When we hear the phrase spring cleaning, we usually think about the house. Closets, garages, and drawers are finally getting the attention they need. But your finances can benefit from a little spring cleaning too. Life changes. Seasons shift. What made sense for your money six months ago may not match the life you’re living today. Taking time to review your expenses helps make sure your spending still reflects your priorities. One simple place to...
More Preparation, Less Financial Stress | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, She has no fear of winter for her household, for everyone has warm clothes. - Proverbs 31:21 What if? In my life, I’ve used the words “what if” in two situations: when I’m afraid to start and when I’m worried something bad might happen. Those two words can take us in very different directions. They can keep us stuck in fear, or they can push us to prepare. In today’s verse, the Proverbs 31 woman has no fear of winter. How is that possible? The...
5 Days Into the Month: Have You Checked Your Budget Yet? | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, We’re five days into the month. Have you checked your budget lately? I know it can feel repetitive, but reviewing your budget is part of staying in control of your finances. One of the biggest mistakes we can make is assuming every month will look the same. Life changes.Bills change.Plans change. Your budget should adjust with it. Take a few minutes today and review what’s ahead for the rest of the month. Payday Tip Look for a few key things in...
When Motivation Fades | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, I have not mastered human wisdom, nor do I know the Holy One. - Proverbs 30:3 NLT It’s a new month. January energy is gone. The vision board isn’t as exciting. The goals don’t feel urgent anymore. This is the quiet part of growth.The part where no one is clapping.The part where you decide who you’re becoming. Let’s be honest. Somewhere in your heart, there may still be a thought:“If I just had an extra ______, things would feel easier.” More...
Freedom Is a Gift. Stewardship Is Our Response. | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Freedom is a gift. Stewardship is our response. The older I get, the more I think about the sacrifices made before me — by my parents, pioneers, and activists. It humbles me. They fought so I could live with options. With opportunity. With choice. And whether we realize it or not, we are building a legacy too. Your decisions today impact your son, daughter, niece, nephew, cousin, student, mentee, and even generations you may never meet. Someone...
Not Every Voice Deserves Access | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, To flatter friends is to lay a trap for their feet. - Proverbs 29:5 NLT This verse warns that someone who flatters you may actually be setting a trap. Not every voice in your life is helping you grow. So let me ask you something before we go any further: Who is in your life? All month, we’ve been talking about healthy communication and working together — especially in marriage. We’ve talked about honesty, clarity, and being on the same page. But...
Here’s How We Paid Over $20K in Debt in 4 Years of Marriage | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Over the past four years of marriage, my husband and I have paid off 23 debts totaling $20,687.77. It didn’t happen overnight. And it didn’t happen by accident. It happened because we decided to move forward together. Here’s what that looked like: We chose together which debt to tackle next — usually the smallest balance. We focused on ONE debt at a time. We celebrated every milestone along the way. We paid cash when possible instead of taking on...
The Blessings Money Can’t Buy | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, A faithful man will have many blessings, but one eager to get rich will not go unpunished. - Proverbs 28:20 TLV You’ve probably heard the phrase, “Anything worth having is worth fighting for.” I know I have. At the beginning of this month, we talked about not adding fuel to the fire. Today, I want to remind you of something just as important: your harvest may not show up overnight. When we think about blessings, it’s easy to focus only on money....
I help Christians reduce their financial stress by improving their relationship with money. It is at that point they are able to make better decisions daily so they can live the best version of their life.