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.
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...
Three Questions to Ask Every Payday | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Can I be honest with you? I love when I get the chance to speak on money — to any group. Children, college students, adults. The message is always the same, because there's one rule of thumb everyone needs to understand before anything else: you have to take care of your needs before your wants. YOLO culture will tell you otherwise — spend now, worry later. But if you only spend on what you want, it will catch up with you eventually. So here's a...
He Took Care of You Then | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, I hope you've enjoyed this series on my favorite verses. I've loved sharing the verses that have kept me grounded over the years. Today's verse is new to the list. My Favorite Verses, Part 12: Don’t love money; be satisfied with what you have. For God has said, “I will never fail you. I will never abandon you.” Hebrews 13:5 NLT There have been seasons in my life when I felt disappointed with where I was. A lot of that comes from the frustration of...
Your Weekend Homework Before September Hits | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, So — have you asked God what you need to correct before next month? September is just a few days away. Maybe you're one of the blessed few with an early deposit. Either way, the month is coming — with or without your input. And fall brings its own busyness. Everything ramps up, and the first thing to slip? Your budget. Here's your payday tip: This weekend, do three things. Review your calendar and add every event, so you know what you're walking...
This Cut Will Grow You | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, We're almost at the end of my favorite verses series. This one is on the list for an unexpected reason — I fell in love with it during the pandemic, while teaching my Sunday school class about how grapevines grow. My Favorite Verses, Part 11: “I am the true grapevine, and my Father is the gardener. He cuts off every branch of mine that doesn’t produce fruit, and he prunes the branches that do bear fruit so they will produce even more. You have...
Little Fixes That Save You Real Money | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, I don't know about you, but Alabama has been HOT for the last two weeks. This is not the time to miss your power bill. So this payday tip is simple: what household maintenance have you been putting off? Change your air filter. Check the sealing around your doors and windows. These small things go a long way in keeping your A/C bill as low as possible during weeks like this. Stewardship isn't just about managing the money you have — it's also about...
I Got Fired From My First Job (And I Deserved It) | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, When I was in high school, I got fired from my first job. Honestly? I deserved it. I didn't really need the job, so I called in a lot — sometimes just because I was tired or had something better to do. I even told them in the interview that school came first. A few years later, I ran into one of the owners at Walmart. I was in college by then, studying engineering. She was shocked. And honestly, I don't blame her. I never gave her a reason to...
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.