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.
Don't Get Sidetracked | Monday Push
Hebrews 12:11 Newsletter Hello Reader, Don’t get sidetracked; keep your feet from following evil. Proverbs 4:27 NLT It’s the first of September, the ninth month of the year. I say this often because it’s true: I don’t know what it took for you to get here, but I do know this—you’ve come too far to give up now. Life has been “lifeing” for many of us this year. Today’s verse closes out Proverbs 4, which is full of reminders to stay on the path of wisdom. And it ends with this powerful charge:...
Avoid this Common Subscription Trap | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, A couple of weeks ago, I had a charge hit my account that I wasn’t expecting. It was from a fitness program I had signed up for at a discount — three months ago. Thankfully, I caught it in time to request a refund. But honestly, I was prepared to cover the charge this time because I had let the time pass and the free trial rolled over. This is “free trial season,” and companies are counting on us forgetting. So, this pay period, take a few minutes...
Does God Get Your Best? | Monday Push
Hebrews 12:11 Newsletter Hello Reader, Honor the Lord with your wealth and with the best part of everything you produce. Proverbs 3:9 NLT As we close out this year, we’re walking through the book of Proverbs together. Normally, when I read chapter 3, my attention goes straight to verses 5–6. But this time, verse 9 stood out in a new way. When you look at the word “honor,” it points to respect, weight, and glory. Solomon is reminding his son not only to follow God’s teachings and let Him lead...
Planning for the Next Generation | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Did you know August is Make-A-Will Month? At first, it may not sound like a payday tip, but it absolutely is. Stewardship isn’t just about managing today’s paycheck—it’s also about preparing for tomorrow and caring for the people you love. Here are a few things to review: Beneficiaries – Make sure your accounts and policies list the right people. Guardianship – Parents, decide who will care for your children if something happens. Assets – Think...
The Frequency of Wisdom | Monday Push
Hebrews 12:11 Newsletter Hello Reader, So follow the steps of the good, and stay on the paths of the righteous. For only the godly will live in the land, and those with integrity will remain in it. But the wicked will be removed from the land, and the treacherous will be uprooted. Proverbs 2:20-22 NLT If I ask you, do you have the right frequency? Depending on the definition, you might give me two different answers. If I’m talking about repetition, I’m asking how often something happens. If...
If I Could Do My Freshman Year Over… | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, If I were a freshman and could do it all over again, I’d make some very different financial choices. My first two years of college came with a $500 lesson in overdraft fees—money I could have used for something way better. Looking back, here are the five things I wish I had done my first year: 1️⃣ Used my meal plan. It was already paid for, and some of my best memories happened in the dining hall with friends.2️⃣ Tracked my money regularly. I...
Start with God | Monday Push
Hebrews 12:11 Newsletter Hello Reader, Start with God —the first step in learning is bowing down to God ; only fools thumb their noses at such wisdom and learning. Proverbs 1:7 MSG Last week, we talked about our routines as the new school year approaches. Before you get too caught up in your routine, I want to remind you—start with God. No matter the situation or area of your life, beginning with God changes everything. I’m learning that the principles God gives us in His Word are not just...
It’s Our Anniversary 🎉 Let’s Celebrate These Wins Together | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Today, Pugh Financial Coaching turns 7! When I first started, I thought I’d conquer the world. I had big dreams—but not a full picture of the journey. The truth? It hasn’t gone exactly how I imagined. But that doesn’t mean I’m not grateful. God has been faithful. During my reflection time, I started listing out client wins over the last 7 years—and it stirred something in me. I felt excited all over again. If God says the same, I’m looking forward...
Reset the Routine | Monday Push
Hebrews 12:11 Newsletter Hello Reader, A man’s heart plans his way, But the Lord directs his steps. Proverbs 16:9 NKJV August and September mark the beginning of school for students of all ages—from Head Start to college. Even if there’s no student in your home, this season still brings change. Traffic shifts. Weekend rhythms change. Family routines adjust. It’s a natural time of reset. We often enter this season thinking, “This will be the year everything goes right.” And I believe it can...
Before Your First Swipe | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Happy August! Can you believe we’re in the eighth month of the year already? Before we dive into August, I want to share my payday routine with you. Why? Because how we start matters. Getting grounded at the start of a pay period helps the rest of it run smoothly. Payday Tip: There are two key things I do before every payday: Check the pending deposit — I confirm the amount actually received, compare it to my planned budget, and make any necessary...
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.