Are You A Prideful Spender?

Insights for a wiser financial journey.

Explore practical guidance, faith-based perspectives, and helpful information designed to support thoughtful financial decisions.

Our Blog

About Josh

Josh Richner is the founder of FaithWorks Financial and a consumer-debt expert with more than 15 years of experience helping people understand their options and move forward with clarity, dignity, and confidence.

22 Oct 2013

Are You A Prideful Spender?

By Josh · Financial Growth & Habits

“Pride goes before destruction, a haughty spirit before a fall.” Proverbs 16:18 There is no denying that people spend beyond their means for a lot of reasons. Sometimes it can be unintentional- unexpected medical expenses a reduction in income can lead to speaking beyond your means by no inherent fault of your own. Looking beyond […]

Continue reading
11 Oct 2013

Budget Friendly Alternative to Expensive Vacations

By Josh · Budgeting & Hardship Strategies

Getting out of debt is a big job and requires a lot of sacrifice. When most people begin their Christian Debt Relief program they just assume, “Well, no fun vacations for us for the next five years.”. While there will be many things that must be sacrificed, fun does not have to be one of […]

Continue reading
26 Sep 2013

When Seeking a Christian Company Makes Sense

By Josh · Financial Growth & Habits
When Seeking a Christian Company Makes Sense

As someone who chooses to live out their Christian faith, it feels good to connect with companies that share in those personal values. It provides instant common ground, shared interests, and a baseline for expected values. Let’s be real, though. Sometimes that claim is nothing more than a marketing ploy at best… and an outright […]

Continue reading
23 Sep 2013

Finding Financial Contentment

By Josh · Financial Growth & Habits

“But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that […]

Continue reading
20 Sep 2013

Common Traits of Debt Free People

By Josh · Financial Growth & Habits
Common Traits of Debt Free People

In our years walking alongside individuals and families through challenging financial seasons, we’ve noticed something encouraging: freedom from debt isn’t random. It’s often marked by a handful of shared habits, mindsets, and values. The people who live debt-free tend to approach money—and life—with a distinct posture. Some arrive there after years of struggle and hard-won […]

Continue reading
18 Sep 2013

How Marriage Affects Your Credit Score

By Josh · Credit Scores & Reports
How Marriage Affects Your Credit Score

How Marriage Affects Your Credit Score So, you have found the person that you want to spend the rest of your life with- congratulations! Few things can be more exciting and meaningful than this. Getting married comes with combining families, routines, living environments, and, of course, finances. While your basic philosophies on finances may already […]

Continue reading
16 Sep 2013

Christian Student Loan Consolidation- Is It Right For You?

By Josh · Student Loans

There is a lot of hype about student loans these days. After all, there is currently over 1.1 trillion dollars of student loan debt in America. As a result, there have been plenty of advertisements and promotions about consolidating your Federal student loan debts. Today, we’ll explore how FaithWorks can support you in exploring Christian student […]

Continue reading
06 Sep 2013

Eliminating Student Loan Debt Through Volunteering

By Josh · Student Loans
Eliminating Student Loan Debt Through Volunteering

Massive student loan debt seems like a fate etched in stone for college graduates everywhere. It can take several years, even with a high-paying job, to eliminate student loan debt. Some post-graduates find themselves wondering if the cost of their education was even worth the effort. The good news is making slow and steady repayments […]

Continue reading
04 Sep 2013

Christian Financial Planning- Abundance Vs. Excess

By Josh · Financial Growth & Habits
Christian Financial Planning- Abundance Vs. Excess

It may seem unusual to bring the term “abundance” into a conversation about Christian budgeting and implementing responsible Christian financial planning, especially if you are struggling to make ends meet. As Christians, we sometimes fail to understand the true meaning of living under abundance. Our culture tends to equate that term with the dictionary version […]

Continue reading
20 Aug 2013

Handling Bill Collectors In A Christian Manner

By Josh · Christian Debt Relief

“Render therefore unto Caesar the things which are Caesar’s; and unto God the things that are God’s.” — Matthew 22: 20-22 Jesus gave this oft-quoted response when asked by church officials whether he felt his followers should have to pay the Roman tax. The questioners were seeking to trap Jesus and arrest him, yet they […]

Continue reading
Call Now