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.
Stop Adding Fuel to the Fire | Monday Push
Hebrews 12:11 Newsletter Hello Reader, Fire goes out without wood, and quarrels disappear when gossip stops. -Proverbs 26:20 Have you ever heard the saying, “If you go looking for trouble, you will find it”? As we begin the month of February, I want to pause and invite you into an important conversation. Money arguments are quietly damaging our relationships.One in three Americans (32%) is uncomfortable discussing finances in their relationship, according to new research. The research,...
Want to move forward without starting over? | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Do you want to move forward financially but don’t want to start over from scratch? If you’ve ever looked at your bank account and thought, “What happened?”—you’re not alone. That moment can feel overwhelming. And when things feel unclear, it’s hard to feel confident or disciplined. Before you change anything, the first step is clarity. One simple way to gain clarity is to write down your expenses daily. Not to judge yourself—but to understand...
When the New Year Motivation Wears Off | Monday Push
Hebrews 12:11 Newsletter Hello Reader, A person without self-control is like a city with broken-down walls. -Proverbs 25:28 NLT January is almost over. The excitement of a fresh start is fading, and now we’re entering the part of the year where consistency matters most. Will you reach the goals you set at the beginning of the year? Time will tell. Last week, we talked about getting back up—because some things are in our control, and some things aren’t. You’ve probably heard this...
An Easy Way to Make Tax Season Less Stressful | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Here’s an extremely easy way to get ready for your tax preparer—no spreadsheets or special software required. I don’t do taxes, but I work closely with people who do. And I want to help you understand what a good CPA or tax preparer actually needs from you. All tax forms, up front. Think about how many jobs or income sources you had last year. W-2s, 1099s, side income—gather all proof of income so everyone is working with the same information....
Keep Getting Back Up | Monday Push
Hebrews 12:11 Newsletter Hello Reader, The godly may trip seven times, but they will get up again. But one disaster is enough to overthrow the wicked. Proverbs 24:16 NLT "If you can't fly then run, if you can't run then walk, if you can't walk then crawl, but whatever you do you have to keep moving forward.” - Martin Luther King, Jr. At what point do we admit that real change doesn’t happen overnight? Today we honor the legacy of Dr. Martin Luther King Jr. His work helped move the civil...
Why Monday–Friday Wasn’t Enough for Me | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, The truth I had to face was… Monday to Friday wasn’t enough. I had to admit something to myself last year: I’m a creature of habit—and so are you. And while I was consistent during the workweek, I treated the weekend like a pause button. No structure. No intention. Just “I’ll deal with it on Monday.” What I learned is this: small gaps create bigger problems over time. Temptation works like a tiny crack in the foundation. You don’t notice the...
Thinking Ahead: A Practical Step of Stewardship | Monday Push
Hebrews 12:11 Newsletter Hello Reader, A prudent person foresees danger and takes precautions. The simpleton goes blindly on and suffers the consequences. - Proverbs 22:3 NLT Prudent has become one of my favorite words. It reminds me that God invites us to think ahead. It’s not a strict requirement, but it is a wise invitation for anyone who wants to steward well. If you’ve lived long enough, you don’t need help answering this question: what could go wrong financially this year? Most of us...
Let Automation Support Your Financial Goals | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Happy New Year! There’s something natural about saying it this time of year—it just flows. With a new year comes fresh momentum, and this is a good moment to be intentional about how you move forward, especially with your finances. As you prepare for the year ahead, one of the simplest ways to stay consistent is to automate what matters. We’re far more likely to follow through when things are already decided and scheduled. This year, don’t chase...
Reflect on 2025, Prepare for 2026 | Monday Push
Hebrews 12:11 Newsletter Hello Reader, Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.Proverbs 21:5 NLT You made it to the end of the year—and that matters. This is the final email of the PughFC year, and before we rush into what’s next, I want to pause with you for a moment. Planning for the future isn’t always easy. Not because we lack vision, but because current circumstances can feel heavy. If this year was challenging, you may be focused on one thing:...
Presence Over Presents | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Happy day after Christmas. I hope your day was filled with moments that mattered. Maybe you received everything you wanted. Maybe only a few of the things you needed. Either way, I hope you felt seen and loved. For the final payday tip of the year, I’ll keep it simple: Presence matters more than presents. We live in a culture that constantly points out what’s missing, what didn’t go as planned, or what’s still left to achieve. And if you’re...
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.