Pugh Financial Coaching
I help Christians families move from working silos to working together on their finances so they can reduce stress, build wealth, and gain financial freedom.
When Your Money Plan No Longer Fits | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Finding my quiet time with God after marriage took work. So did learning to talk about money with my husband. Jonathan and I had to find our own rhythm, and it didn’t happen overnight. Seasons change. Our money habits often don’t. So we keep forcing a plan that fit who we used to be. Here’s your payday tip: Before you spend this check, ask yourself, “Where in my finances am I still forcing something that doesn’t fit this season?” Signs your plan...
Finding My Quiet Place Again | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, One of the hardest changes in marriage for me was learning how to make time for God. When I was single, I could spend time with Him whenever I wanted. Those quiet hours were beautiful. I even grieved them a little, because I knew that kind of freedom with my time was changing. Maybe marriage isn’t your reason. Maybe it’s kids, work, a business, or caring for family. Either way, quiet time with God doesn’t just happen anymore. You have to make room...
Will the Fourth Quarter Be Yours? | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, If you go to a football game, you'll see the players hold up four fingers when the fourth quarter starts. The cheerleaders may even chant, "Fourth quarter's ours! Fourth quarter's ours!" No matter how the game started, if you finish on top, you get the win. We are now in the fourth quarter of the year. So, will the fourth quarter be yours? On Monday, I talked about deciding who you will be when trouble comes. This payday tip is about putting that...
Who Are You When Trouble Comes? | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, Have you ever had a season where everything seems to go wrong? If it isn't an expensive car repair, it's a sickness. If it isn't a costly home repair, it's a fight with a family member. If it isn't stress at work, it's a child who won't listen. It just keeps coming. Job knew that kind of season better than anyone. In a short time, he lost his wealth, his children, and his health. His wife told him to curse God and die. Here is how Job answered...
The Payday Tip That Could Change Your Last 3 Months | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, It's the last Friday in September. Time to start thinking about the month ahead. Really, the next three months ahead. I think some people confuse freedom with having no rules. But that's not true. If you break the law, there are consequences. If you stay within the rules, you get to do what you want. I think about budgeting the same way. So for this payday tip, here's a simple question to ask as you review your budget: What can I plan for better...
Still Time to Turn It Around | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, Early in my career, I interviewed for a job in a new city, a completely different environment. Honestly, I tried to bomb the interview. They offered me the job anyway. Finally Abram said to Lot, “Let’s not allow this conflict to come between us or our herdsmen. After all, we are close relatives! The whole countryside is open to you. Take your choice of any section of the land you want, and we will separate. If you want the land to the left, then...
One Move to Make Before Your Next Raise | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Last week I talked about what to do with your raise if you're expecting one. I had a conversation with a friend this week that reminded me why this matters, so I wanted to bring it back around. Increase your automatic savings or retirement contribution before your raise ever hits your account. Here's why: it removes the temptation to let all of that extra money slip into everyday spending. The goal is always to spend less than you earn, and this...
Still Time to Turn It Around | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, The best comeback stories are the ones we never forget. Down by 20 at halftime, and they still found a way to win. She lost everything ten years ago, and now she has twice the wealth she started with. The game isn't over until it's over. And neither is your year. And I am certain that God, who began the good work within you, will continue his work until it is finally finished on the day when Christ Jesus returns. Philippians 1:6 NLT Every once in...
Are you prepared for the raise? | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, You can add income to your household in two ways: cut expenses or increase income. Today, let's focus on cutting expenses. Sure, you can cut cable or negotiate your cell phone plan. But there's another way to give yourself a raise: pay off debt. I remember the relief Jonathan and I felt when we paid off one of our vehicles. It felt so good, and it gave us more flexibility to enjoy life and take care of what we needed. Here's your payday tip: have...
Prepared, Not Surprised | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, Have you ever played dodgeball? The ball comes at you, and you jump out of the way. Maybe you were the athletic kid and you caught it instead. Either way, you saw it coming, and you moved. That's what this week is about. Are you moving? After the wise men were gone, an angel of the Lord appeared to Joseph in a dream. “Get up! Flee to Egypt with the child and his mother,” the angel said. “Stay there until I tell you to return, because Herod is...
I help Christians families move from working silos to working together on their finances so they can reduce stress, build wealth, and gain financial freedom.