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

Add it to your budget. And if that feels like too much right now—start smaller. Progress is still progress, no matter the pace.

This is also a good time to think about your goals for the season—whether that’s covering Christmas and holiday expenses, paying down debt, or simply building momentum for next year.

The key is to set a clear goal, take the first step, and stay consistent.

Need encouragement and support as you work on your financial goals? Join my free community, PughFC Stewardship.

📅 And next Thursday, I’ll be teaching on how to set your financial goals. This session is free for everyone in the community—so don’t miss it!

Let’s finish this year strong!

-Latrisa