Pugh Financial Coaching

Hebrews 12:11 Newsletter Good morning Reader, Last week, I shared how you can set one last goal for the year. It’s not too late to reach it — but before you start running off to the races, maybe it’s time for a quick tune-up. Let’s make sure your finances are running in good order before the year ends. Here are a few ways to get started: 1️⃣ Review your expenses. Compare your bank statement or online account with your list of bills. Have you added those “surprise” expenses you keep forgetting...

Hebrews 12:11 Newsletter Good morning Reader, I know it may seem early, but it’s time to start thinking about the holidays. I’ll be honest—I'm not that big on shopping. I try to stay away from stores as much as I can because it’s just too much for me. So, I make it a point to think early about the holidays because I’d rather plan ahead than deal with the crowds later. If you’re like me, getting ahead now can save you stress later. Here are a few questions to guide your planning: 1️⃣ What are...

Hebrews 12:11 Newsletter Good morning Reader, We’re in the last quarter of the year. This is the perfect time to set one more goal and finish strong. Whether it’s saving more or paying off debt, you can still make real progress before the year ends. Here’s an example: if your goal is to save an extra $1,000 (or pay $1,000 toward debt), here’s how it breaks down by paycheck: Paid monthly: $333.34 per paycheck Paid twice a month: $166.67 per paycheck Paid weekly (Fridays): $76.92 per paycheck...

Hebrews 12:11 Newsletter Good morning Reader, We’ve spent this month talking about different pay cycles—monthly, bi-weekly, weekly, and even inconsistent income. Each one has its challenges. But here’s the truth: no budget works well without communication. Sometimes the stress isn’t about the money—it’s about the silence. Before payday, take time to talk through these questions: What events are coming up this month that will cost money? What’s our limit on giving this month? Do we need to...

Hebrews 12:11 Newsletter Hello Reader, When you walk, they will guide you; when you sleep, they will watch over you; when you awake, they will speak to you. For this command is a lamp, this teaching is a light, and correction and instruction are the way to life, Proverbs 6:22-23 NIV When I was a child, my parents told me not to touch the stove because it was hot and I could get burned. They weren’t trying to keep me from cooking — they were trying to protect me. But at just four years old, I...