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 Fresh Start You Get Every Pay Period | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, This week has been all about how discipline can bring you peace. I told my clients last night: when you make good decisions consistently, there's a weight that lifts off your shoulders. Real, physical relief. Every paycheck is a chance to help lift that weight. Here's the good news. You might get frustrated with decisions you made during the last pay period — but you get a fresh start the moment that deposit hits. No condemnation. Just a new...
My Favorite Verse for the Toughest Money Seasons | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, My "favorite" verses, part 3. No discipline is enjoyable while it is happening—it’s painful! But afterward there will be a peaceful harvest of right living for those who are trained in this way. - Hebrews 12:11 NLT We're at the halfway point of the year. In sports, halftime is when teams make adjustments. They watch clips from the first half to see what needs to change. No matter where you are on your money journey, it's a good time to ask what...
26 Fridays left. Let's use them. | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Independence is something we all desire — and that's fitting, since this week we're heading into the 4th of July. Earlier this week, I reminded you that you still have time. So let's put that into action with something practical: setting up an emergency fund. Including today, there are 26 Fridays left in the year. Can you set aside $40 each Friday? That gets you to $1,040 by the end of the year. Is that too rich right now? Start with $20 each...
You Still Have Time | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, No, dear brothers and sisters, I have not achieved it, but I focus on this one thing: Forgetting the past and looking forward to what lies ahead, Philippians 3:13 NLT One of the most important lessons on my financial journey has been learning how to forgive myself. There was a season where I carried a lot of regret about where I was financially. And when things weren't moving the way I thought they should, that regret got heavy. What I had to...
The One Financial Exercise You've Been Avoiding | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, Payday is here. And if this week has felt heavy — financially, emotionally, or both — I want you to pause before you do anything with your money today. Tough seasons are real. But they don't have to cause long-term damage. Not if you stay focused. Here are three questions I want you to sit with today: How can I show up for myself even when life feels chaotic?Your future doesn't stop mattering just because today is hard. You still deserve to make...
You Don't Have to Have It Together to Be a Good Steward | Monday Push
Hebrews 12:11 Newsletter Good morning Reader, The Lord is my rock, my fortress, and my savior;my God is my rock, in whom I find protection.He is my shield, the power that saves me,and my place of safety. -Psalms 18:2 NLT I opened the Bible app recently to find the very first verse I ever highlighted. It was June 5, 2012. Fourteen years ago. Shoutout to YouVersion for keeping the receipts — because I didn't know. I don't know exactly what I was feeling that day. But I know the season. I was...
The One Financial Exercise You've Been Avoiding | Payday Tip
Hebrews 12:11 Newsletter Good morning Reader, When was the last time you actually looked at your bank account? Not just glanced at the balance. I mean really looked — scrolled through the transactions, paid attention to where your money is actually going. If it's been a while, today is the day. Here's a simple exercise I want you to try this payday: Open your banking app and pull up the last 60 days of transactions. You don't have to add everything up or stress over every line. Just look for...
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...
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.