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.
The Truth Doesn't Have to Feel Good to Be Good | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, Here's the truth — the last 20+ years of my life have been a real roller coaster. Good moments, bad moments, and some decisions I'm not proud of. But through all of it, God's word is what kept me going. So for the next 12 weeks, I'm taking you on a journey. Each week, I'll share one of my favorite verses — matched with a real moment from my life. Some stories you may have heard before. Some you haven't. But my prayer is that through these 12...
Don't Let This Check Be Like the Last One | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, It's payday — and this week's tip is simple. Don't let this check look like the last one. If you cashed your last check and you're not sure where it went, today is your opportunity to do something different. You don't need a perfect plan. You just need one decision before you spend a single dollar. Here's your tip for this payday: Before you spend anything, write down your top three expenses that must be covered this pay period. That's it. Not a...
You Don't Have As Much Time As You Think | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, Don’t let the excitement of youth cause you to forget your Creator. Honor him in your youth before you grow old and say, “Life is not pleasant anymore.” -Ecclesiastes 12:1 NLT Have you ever seen those videos on social media comparing what you can do in your 20s versus your 40s or older? They're all pretty much the same. When you're young, you can eat anything, move freely, and run on almost no sleep. The older you get, the less that's...
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...
The Perfect Time Doesn't Exist — But This Moment Does | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, Farmers who wait for perfect weather never plant. If they watch every cloud, they never harvest. - Ecclesiastes 11:4 NLT "The best time to plant a tree was 20 years ago. The second best time is now." - Chinese Proverb This is one of my favorite times of year — basketball playoffs and major tennis tournaments are happening at the same time. The competition is intense, and this weekend I got to watch both. Happy camper doesn't even cover it. But...
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...
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.