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.
This Payday Can Change Everything | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, What do you need to do right now to make the next three months better? If we agree that the perfect time doesn't exist — then it's time to get moving. And I'm not asking you to do everything at once. Being overly intense leads to burnout, and that's not the goal. The goal is sustainable change that actually lasts. So here are three simple things you can start today: 1. Set up your automatic savings deposit. Even if it's small. Consistency beats...
Don't Let That Third Paycheck Fool You | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, It's the last Friday of the month — and if you're on a biweekly pay schedule, you just got a third paycheck this month. Let's not get too excited. Your next payday is still two weeks away. And your first of the month bills? They're coming right on time whether you're ready or not. So before you do anything else today, ask yourself — are my first of the month bills secured? This is exactly why we build our budgets in advance. When you plan ahead,...
Stop Making It Harder Than It Has to Be | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, Using a dull ax requires great strength, so sharpen the blade. That’s the value of wisdom; it helps you succeed. Ecclesiastes 10:10 NLT Has anyone ever told you, "You're making this so much harder than it has to be"? I've been there. And honestly? They were right. I was working harder, not smarter — and stressing myself out in the process — all because I wouldn't listen. Here's what I've learned about wisdom: it usually makes things...
Don’t Let Summer Spending Catch You Off Guard | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, One thing I often share with my clients is that your budget should be completed at least a week before the first of the month. With prices continuing to increase, now is a good time to pause and reassess your budget, calendar, and summer routines to make sure everything still aligns. Here are a few questions to ask yourself during your June budget check: Payday Tip – June Budget Check Do I need to adjust my grocery budget? What will eating out...
You Can’t Predict Everything | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, People can never predict when hard times might come. Like fish in a net or birds in a trap, people are caught by sudden tragedy. -Ecclesiastes 9:12 NLT I follow Dharius Daniels from Change Church. Yesterday, he preached a sermon called You Can Be Spiritual and Still Get Blindsided. One thing he said stayed with me: no matter how much we grow spiritually, we will never have perfect discernment. I have been thinking about that ever since. We will...
Maycember Is Here…But Your Paycheck Hasn’t Changed | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Do you feel like you are running a marathon of events right now? My sister calls May “Maycember” because everything seems to happen at once. Graduations, the end of the school year, Mother’s Day, Teacher Appreciation Week, Nurses Week, weddings… all the things are happening at the same time. The challenge is your paycheck probably hasn’t changed. So what do you do? You become intentional. Payday Tip: Be honest about what you can and cannot do. Be...
When You Don’t Have the Answers | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, I realized that no one can discover everything God is doing under the sun. Not even the wisest people discover everything, no matter what they claim. -Ecclesiastes 8:17 NLT Have you ever had a child constantly ask, “Why?” They want to understand how everything works. After a while, the adult usually says, “I don’t know!” Truthfully, many of us are in an “I don’t know” season right now. I don’t know how we’re going to pay for it.I don’t know if...
Feeling Discouraged About Money? Read This | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, I started a series this week called “Money in the Middle” — real talk for the season you are actually in. Disappointment is heavy. If we are not careful, it can keep us stuck and make it hard to move forward. One reason many of us struggle is because we cannot see the light at the end of the tunnel. We focus so much on the chaos of today that we forget the calm that could come tomorrow. Here’s an exercise that helps me shift my perspective. Payday...
Don’t Let Disappointment Block Your Next Step | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, Finishing is better than starting. Patience is better than pride. Ecclesiastes 7:8 NLT What do you dream about for your future? Not just wishes — but the real desires you think about often. This past week, I had the honor of speaking at my high school. I shared something personal — my disappointment with my ACT scores. I'm 40 now, and I can tell you with full confidence, I am not disappointed anymore. But for a season, it weighed on me — and I...
Are You Still Dreaming… or Did You Start Doing? | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, We’re stepping into a new month, and it brings fresh opportunity. Earlier this week, we talked about dreaming vs. doing.And today, I want you to sit with that for a moment… Which one have you been doing? It’s easy to dream about the goals—paying off debt, saving more, feeling more at peace with your finances. But doing?Doing requires intention. It requires action. So let’s check in. Payday Tip: Financial Goal Check What progress have you made...
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.