The days are getting longer, the weather’s getting warmer and it’ll soon be time for spring cleaning. While you’re tidying up your closets, car or garage, don’t forget to spruce up your budget, too.

Developing a routine is great, but there are certain aspects of every budget that shouldn’t stay stagnant. Here are three moving targets to check on this spring.

Your Retirement Plan

Some retirement plans have an option that will automatically bump up your contributions little by little each year. It’s a fantastic way to make retirement planning a priority without having to think about it. But if you don’t have an automated option, this is a great time to take a look at the state of your retirement funds.

Dave Ramsey recommends investing 15 percent of your income into a Roth IRA or pre-tax retirement account. While he also suggests holding off on retirement funding until you’re debt-free with a sizable emergency savings, some people choose to prioritize their retirement plans, especially if they are retiring soon.

If you can, bump up your retirement contributions by 1-2 percent this spring. When spread out over a year, that’s enough to make an impact on your 401K without hitting your budget too hard.

Insurance Coverage

If you immediately log onto the computer and compare car insurance rates every time you see a gecko on TV, this step is not for you. If, however, you’re like me and blindly fork over that insurance payment every other month without thinking twice, keep reading.

Insurance coverage, like your retirement plan, is a moving target. Rates are constantly changing, so it’s important to periodically check on your plan to make sure you’re getting as many discounts as possible. It’s also wise to talk to an insurance agent or scan the web every now and then to compare prices from different companies. You really could save hundreds of dollars.

Your Household Budget

When it comes to your budget, it’s easy to set it and forget it. If it’s been a while since you made any adjustments to your budget categories, sit down and take a look at them. If you’re married, call a quick meeting with your spouse. This doesn’t have to be painful; it’s meant to help you get the most out of every paycheck.

Perhaps you’ve been budgeting lots of money for gas, but you recently took a job that’s closer to home, or you’ve been telecommuting more. Take some of that gas money and shift it into another budget category, such as savings or groceries. Life is always changing; your budget should change with it.

Hopefully these ideas will get you thinking about other ways to free up some money as you do some “spring cleaning” for your finances. It may not be the most exciting thing you do this year, but, hey, it beats cleaning out the garage, right?

We spend a lot of time talking about ways to make and stick to an honest budget. Here are five ways to wreck that budget—and possibly your entire financial life—in record time.

Ignore It

A budget is worthless if you don’t follow it. To ensure financial misery, hide the budget from everyone in your household, including yourself. Make sure no one is clear on exactly how much money should be spent on various categories like groceries, entertainment and birthday gifts for friends or relatives. If you happen to remember the correct budget for a certain area (such as eating out), treat it as a mere guideline and come up with great excuses for spending more than you budgeted.

A person without self-control is like a house with its doors and windows knocked out (Proverbs 25:28, The Message).

Never Say ‘No’

Your college friends want to hold a reunion weekend in Las Vegas. Your church small group is planning to go out for Sunday brunch at an expensive restaurant. Your daughter is begging you for a new iPad. Say “yes” to everything. Be a people-pleaser at all costs. Dip into your savings to take a vacation, and chip away at your debt payment to buy that expensive wedding gift for the out-of-state wedding that’s going to cost you a bundle. Put vacations, clothes, tech toys and other people’s opinions of you first. Worry about the budget later.

Keep your lives free from the love of money and be content with what you have, because God has said, “Never will I leave you; never will I forsake you” (Hebrews 13:5, NIV).

Keep Swiping That Plastic

You don’t get paid until Friday, but it was a long, rough Monday and you deserve a treat. Go ahead and buy it. Even though the money isn’t in your checking account yet and the budget is tight, you’ll figure it out later. A few dollars on the credit card won’t hurt anyone. (For maximum budget-wrecking, repeat this process Tuesday-Friday and fail to immediately pay off the balance).

The prudent see danger and take refuge, but the simple keep going and pay the penalty (Proverbs 27:12, NIV).

Live At or Above Your Means

Buy that sleek-but-gas-guzzling SUV that so many of your neighbors are driving. Spend every penny you earn and make only the minimum payments on your debt. Pick the biggest house you can afford—the one with the monthly payment that’s equivalent to 40 percent of your income. You’ll face near-instantaneous foreclosure if you or your spouse loses a job, but that’ll never happen to you. That only happens to other people.

Is there anyone here who, planning to build a new house, doesn’t first sit down and figure the cost so you’ll know if you can complete it? If you only get the foundation laid and then run out of money, you’re going to look pretty foolish. Everyone passing by will poke fun at you: ‘He started something he couldn’t finish.’ (Luke 14:28-30, The Message).

Refuse to Ask for Help

Buy into the lie that you are alone in your financial struggles and no one would ever understand what you’re going through. Let pride dictate your decisions. Even though bill collectors are blowing up your phone and you’re trying to decide between the mortgage and the electric bill, you can handle this. Believe that the same thinking that got you into debt will somehow get you out of it.

Plans fail for lack of counsel, but with many advisers they succeed (Proverbs 15:22, NIV).

If any of the above scenarios sounds all too familiar, now is the time to take action and change your ways. In particular, if the last paragraph hits home, consider requesting a free consultation from FaithWorks Financial to learn about our Christian debt relief programs. There is always hope, and there really are compassionate people who can help point you in the right direction.

“Where is the best place to stash an emergency fund?”


If you are still taking baby steps in your personal money revolution, then this may not be a huge pressing question on your mind. You may be more concerned right now about how you’re going to pay your light bill this month. But that’s okay. You are working toward your goals. You are paying down debt through your Christian debt relief program, and you are slowly but surely building that all important emergency fund that will insure you against the horrific, “borrowing from family” scenario should your hot water heater blow up next month!

However, for those who are a little bit further along on this financial quest, it may be time to consider the best place for this emergency fund that you have worked so hard to establish.

An ideal emergency fund should be three to six months of regular expenses. This is quite a bit of cash, so it would do you well to put it somewhere in which it can gain the most interest for you. This is especially true when you consider that this money is going to stay put, hopefully.

Emergency funds are different than investment funds. You want investment funds to be active and flowing and accomplishing as much for you as possible. Investment funds are money at work. Emergency funds need to stay put, be still, and be safe. You do not put your emergency fund at risk in any way. However, you also do not want it to just sit there for five years and not earn a penny either.

The balance between risky action and stagnant inaction is to place the money in the highest yield type of savings plan possible.

Online Savings

Online only accounts have increased in popularity in the last few years. Many online only banks such as Ally or Capital One 360 can offer higher interest rates on their savings programs because they are not dealing with the overhead of running a brick and mortar establishment.

This translates into only good things for their customers.

Many of these banks offer a full range of savings products including Money Market Accounts. These online money market accounts offer higher interest rates than regular accounts, plus have limitations in place which will discourage you from touching the money except in true emergencies.

The drawback is that all types of savings plans, including online only money market, are seeing really low interest rates right now. This can improve with time, and something is always better than nothing.

Breakable CDs

Breakable CDs offer a higher interest rate right now than most online savings plans. This is because your average 5 year CD will charge you a small fee for early withdrawals. Your money is not quite as accessible as it would be with a money market account, but you will be earning more on money that is just sitting there.

The drawback is that the money is not immediately available like it would be from savings or money market.

I-Bonds

Series I US Savings bonds are a great low risk place to store cash.

If you have already established a great emergency fund putting some of the money in I-Bonds could be a wonderful option. However, putting all of your emergency fund money is not wise as I-Bonds cannot be cashed out until after the first year. However, the interest rates are better than just about any other low risk product available.

Christians, who are starting a financial revolution in their life, face a unique set of circumstances that perhaps non-Christians do not face.

We have certain Biblical standards to live by, and sometimes these Biblical standards or obligations feel like they contradict our financial plan. Tithing is one such principal that a lot of people would look at and say, “Well, hey! If you want to get out debt you need to be putting that tithe money on your debt payments too for now.” But as Christians we know that it is far better to work that into the top slot of our budget rather than try to skimp.

Most of us, even those who are in a Christian debt consolidation program understand the importance of tithing and don’t question it too much. However, there are other forms of giving outside of tithes.There are love offerings, fund raisers, missions and sometimes just personal giving that God leads us to.

How do we handle these types of giving when we feel like we have already stretched ourselves to the limit? Why would God lead us to give more if the budget is already maxed?

The Widow’s Offering

The story in Mark chapter 12 tells of an old widow who wanted to give. She had so little that any offering would be a sacrifice, so she decided to just give it all.

Sometimes God leads us to give more than we imagine possible or even wise, just so we can prove to ourselves that we can let go.

You may think that revolutionizing your finances is all about hanging on to your money. It is about letting go; letting go of bad habits, letting go of stuff and letting go of the hold that money, or the appearance of money, has over you. When you stretch in your giving you are letting go.

Miracles Still Happen

When God says give and you whip out your calculator, sometimes the numbers will not add up.

Just as Elijah asked another widow in the Old Testament to make him a little cake first, even though she had only enough for her and her son. God already knew what kind of miracle he had in store for this woman, and it sure beat her plan of eating her last meal and dying.

You cannot know what God has planned. His ways are above our ways. Giving is often an exercise in faith.

Where is the Line?

It’s never a wise thing to start drawing lines in front of God; however, we do have to draw lines in front of ourselves.

In the area of sacrificial giving, great care must be taken to never stray into the realm of foolishness. There are ways to detect foolishness, however. Usually if there is any hint in our hearts of gaining something for ourselves through the act of giving, then it was not God speaking to your heart. If people are pressuring you rather than God speaking to you, beware also.

Trust in God to lead your heart and your giving, and you can trust that your giving is appropriate.

Chocolate. Meat. Sugar. These are some of the most common indulgences given up for Lent, the 40-day season of preparation that leads up to Easter Sunday.

It’s a time when many Christians honor Jesus’ ultimate sacrifice of giving up his life by making a small sacrifice of their own.

Because Lent has long been associated with traditional fasting, it’s no surprise many people turn automatically to food when choosing how they’ll recognize the season, which begins on Ash Wednesday (March 5th this year).

If giving up candy for 40 days works for you, keep it up. However, if your Lent sacrifice has become routine and expected—or if you’ve never tried giving something up for Lent—perhaps you should consider doing something a little different this year, like making a sacrifice that hits your wallet more than your waistline.

Let’s be clear: Lent in its purest form is about growing closer to God. It’s about being thankful for what we have and recognizing that all of our best efforts will never come close to matching the sacrifice Jesus made 2,000 years ago. At its heart, Lent is about our spiritual state.

That being said, a 40-day sacrifice can naturally have a positive effect on our physical, emotional and even financial health as well.

Here are seven Lent-inspired ideas that could help get you back on spiritual and financial track at the same time.

Whether you give up chocolate, red meat or Instagram, remember not to do it in your own strength. When you’re tempted to indulge, pray for help. God promises to provide a way out (see 1 Corinthians 10:13). And if you do stumble, don’t be discouraged. Give your plan a reboot and keep going, and you may find yourself making—or breaking—a habit by Easter.

A video version of one of our most popular posts.

Plus, see the article below. Enjoy!

When an individual is attempting to get out of debt any extra little bit of cash helps the cause. Most people think that they are doing everything they can to further their goal of debt free living. However, you would be surprised at some of the super simple ways you could make an extra $250 dollars a month or more. That extra $250 dollars a month could help to drop the balance on a credit card or other type of debt really fast.

Here are a few realistic ways to make an extra $250 each month.

Babysitting

Most folks think this is a job for bubble popping teenagers, but child care is in very high demand. Quality child care is hard to come by.

My family just went through the process to place an ad in the newspaper and go through an interview process with several adults to help us avoid the higher cost of day care. We found that we would feel much more comfortable with our child being cared for by an adult, especially one who has children of their own. If you do, parents will know that you have the necessary experience to give their child proper care.

When you consider that most babysitters charge about ten dollars an hour, you can see how quickly a few babysitting jobs could add up toward your goals.

Holiday Work

During the holidays, especially Halloween and Christmas, there are many venues that pop up for a few months offering seasonal services and seasonal employment. Pumpkin patches and Christmas tree farms are two of the most popular seasonal employment locations.

Many of these seasonal employers especially need help during the evenings and on the weekends. That makes this a great addition to your regular day job. Another perk included in this type of work are the discounts on holiday items you may need anyway. Extra income plus extra savings!

Ebay

You may not be interested in becoming an Ebay businessperson, but reselling on Ebay can bring in some much needed extra cash when you are trying to supplement your income. You may find it helpful to sell your unneeded items to supplement your debt management program. They even offer a great write-up on how to get started.

You can take this advice a step further, however, buy buying and reselling items from yard sales and thrift shops that you know will bring in a good profit. Thrift shops will often have high dollar items such as purses and shoes that can be resold for huge profits. Keep an eye out for name brands or high dollar items being sold at a deep discount.

Saving is Earning

Do not underestimate the power of saving money in places you usually spend. If you save some money on a normal monthly expense, you have earned that money. If you manage to reduce your electric bill by $50, then you have earned that $50. The same is true for all of your utilities. Conserving water, gas and electricity can really add up over time.

Renting a Room

I know of several people who have made this maneuver with tremendous success. If you have some extra space in your home, you can make it available for rent to easily make an extra $250 a month. Platforms such as AirBnB make it easy and safe to do so. I have had friends report that they earned over $1,500 in one month and made friends along the way, all by making sue of that spare bedroom.

Regardless of your situation, there are always ways to supplement your income if you are able to put a little bit of time and effort forth. Create an honest budget and start using two or three of these methods to make some extra money, and you’ll be debt-free in no time!

Nothing saps gas mileage quite like winter weather, which means a huge number of  Americans are paying more to fill up this season. Plus, the Associated Press recently reported that gas prices are expected to rise in the coming weeks.

That means now is a great time to change a few bad habits in order to save money at the pump. You’ve probably heard that it helps to maintain your car by getting regular oil changes, keeping your tires filled and aligned, and changing the air filter regularly.

Get Organized

Have you ever unloaded the groceries after a trip to the store, only to realize you forgot the toilet paper? Suddenly, a 10-mile round trip turns into 20 miles (and a big waste of time). Put a stop to unnecessary trips by always making a shopping list, whether it’s on paper or on your smartphone. And don’t just write down the groceries you need; write down the different stops you have to make—the bank, the pharmacy, the laundromat, etc.—and figure out the most efficient way to combine your errands.

Carpool

We live in a society where it’s normal for four people who are headed to the same place to drive four different cars to get there. We don’t like the idea of adjusting our plans by 5-10 minutes in order to use just one vehicle. Maybe we need to fear the high cost of independence more than we fear the inconvenience of carpooling.

Try checking around at work and church to see who lives nearby. Teaming up could save multiple families money and even build some new friendships.

Remember You Are Not a Race Car Driver

If gas prices jumped by 24 cents/gallon tomorrow, you wouldn’t be thrilled, right? Well, keep in mind that once you hit 50 mph, every time you speed up an extra 5 mph, you’re paying 24 additional cents per gallon. In other words, if you’re doing 60 mph in a 50-mph zone and you have a 15-gallon tank, you’re paying an extra $7/tank.

The race car principle also applies to braking and accelerating. According to the U.S. Dept. of Energy, riding the brakes and accelerating like a drag racer can lower your gas mileage by 33 percent. That can add up quickly at the pump.

Check before you go

With websites and apps like GasBuddy, there’s no excuse for not knowing where to find the cheapest gas, and prices can vary quite a bit from one side of town to the other. For example, in Boynton Beach, Fl., prices currently vary by as much as 38 cents/gallon depending on where you go.

Of course, you don’t want to inadvertently pay more money than you save by driving to an out-of-the-way gas station. That’s where Bankrate’s handy calculator comes in. If you enter a little information about your car and your area gas stations, it’ll tell you whether it’s worth it to drive a little farther to fill up.

Ditch the Junk in the Trunk

According to the U.S. Dept. of Energy, for every 100 pounds of weight you carry, you reduce your gas mileage by up to 2 percent. That set of golf clubs, cord of firewood or big box of items you’ve been meaning to take to Goodwill do not need to make a permanent home in your trunk. Unload the extra weight and save money.

Quit Idling

Does the following scenario sound familiar? You load the kids into the car, start the engine and proceed to buckle up, check your mirrors, check your hair, dig around for your sunglasses, dig around for a CD, check your email on your phone, tell the kids to stop harassing each other and—at least five minutes later—finally pull out of the driveway. If this is a typical day for you, don’t worry—you’re not alone. But you are wasting gas money by allowing the car to idle while you get your act together.

Unless the weather is unbearably hot or cold, trying running through your checklist before you turn on the engine. Even if your car idles for just 10 minutes a day, it could cost you more than $100 a year in wasted gas.

Track Your Mileage

This year, the federal government will reimburse 14 cents for every mile you drive for charity. Do you teach Sunday school each week? Volunteer at a soup kitchen? Drive to the Salvation Army to drop off used clothes? Track those miles so you can deduct them on next year’s tax return.

Here’s more information on the most recent mileage reimbursement rates for charity, business, moving and medical-related travel.

Consider a More Fuel-Efficient Car

This is a big one. While some of the above tips could save you hundreds of dollars, a different choice of vehicle could easily save you thousands. The website www.fueleconomy.gov allows you to compare gas mileage between new and used vehicles made in 1984 or later.

If you’re ready for a more drastic change, consider a hybrid or electric vehicle. In most cases you’ll pay more up front, but gas savings will have you pocketing more money in the long run.

Our electric bills are a huge fluctuating expense which can be very hard to budget because our heating, cooling and electric needs seem to change from month to month. Obviously there will be some fluctuations between the seasons, but some common mistakes can make power bills soar unnecessarily.

Check Your HVAC

There are a lot of HVAC issues that can drastically affect your electric bill.

One thing you can keep a check on is whether all of your vents are opened properly. This is a small detail that many people rarely think about. If your system vents are closed your system will struggle to keep your home comfortable. The more your system struggles the higher your power bill will be.

Filters are another small chore that can cost you money when you do not pay it close attention. Dirty or dusty filters can greatly hinder the air flow in your system. Filters should be changed out about once a month.

Reconsider Laundry

You can also rack up savings by paying close attention to the way you do your laundry.

Washing your clothes with cold water only saves up to 90% of the energy that your washer puts out. Cold water only detergent will ensure that using only cold water settings will not cause any damage to your clothing. This is also a time saver as you will not need to separate lights from darks if you use cold water only.

Also keep in mind that overstuffing your washer uses more energy because it will cause the washer to struggle with the larger load. You should only fill your machine about three fourths of the way full.

Understand Your Power Company

Take the time to research your particular power company so that you can better understand how exactly they charge and at what rate.

Many people are unaware that several power companies actually begin charging their customers a discounted rate for electricity after eight at night because this is a non-peak time of electrical use. Finding out if your company operates this way could save you money if you choose to shift large energy sucking tasks such as running the clothes drier to later in the evening.

Turn Off The Lights!

The most basic of energy saving techniques also happens to be the one most people have the least faith in. Do you really believe that one closest light burning all day affects your electrical bill?

It absolutely does.

When you are attempting to reverse your financial situation through Christian debt management you must remember that every little bit counts. Just like pennies in a coin jar add up over time, every time you switch off an unused light you are really, honestly saving money.

As a bonus, the next time you have an old incandescent light bulb burn out, replace it with a compact florescent bulb. They not only reduce energy use but because they last several years, you will save on new bulbs over time too.

Set a Goal

A great way to commit to reducing your electric bill is to set a savings goal each month. If you have a set budgeted amount each month for your power bill, you can set a goal to try and go under that amount. When you receive your next bill and you accomplished your goal, take the amount of the difference, even if it is just five dollars, and apply those five dollars to another financial goal such as your emergency fund, or Christmas fund. When you know that the saved money is designated for something worthwhile, you will try harder to conserve power and save money.

Many individuals who are currently involved in a Christian debt relief program may feel like they are doing everything they can to reverse their bad financial choices of the past. Some of the tenants of Christian money management do require a great deal of sacrifice.

You may not be able to believe that there are any other areas in your life in which you could possibly save another dime to go toward your debt relief efforts. You would be surprised, however, at how some old school savings methods can really translate into extra cash over time.

Coin Jar Magic

Simply collecting change in a coin jar can really add up if you deal mostly in cash for all of your purchases. Using only cash is a good habit to adopt for individuals who struggle with controlling credit cards.

All that change left over from each transaction goes straight to the jar and does not leave till you are ready to deposit it into your checking or savings account. Only use bills to pay with, reserve all change for your jar. Get Rich Slowly author Danny Iny, tried this experiment for seven months and was able to rack up over $700 for his emergency fund.

The Forbidden Dollar Bill

If you really want to see some savings add up with very little effort then designate the dollar bill as the forbidden bill. Refuse to pay for anything with a dollar bill. Take all of your dollar bills and hide them away in a designated place at home.

This can actually become a  fun game especially if you play with a spouse or other family member to see who can save up more each week. Each month pool the money together and apply it to your largest debt bill. The satisfaction you fell at saving that money and paying down those debts will make the dollar bill sacrifice well worth it.

The 52 Week Challenge

This is a great New Year’s resolution savings plan that can help you save up over $1,000 dollars in one year. Each week of the year deposit or hideaway in cash the amount of money corresponding to that week. Week one= $1, week 2=$2 and so on till week 52 when you will put $52 in your savings and you will have accumulated $1,378! Not bad for a rainy day.

My favorite twist: do it in reverse. Save $52 this week, $52 next week, etc. This way, it gets easier and easier as time goes on.

The Old Coffee Can Trick

Do you remember the old movie “Where the Red Fern Grows”? The young hero had a dream of owning his own set of coon dogs. The only way he knew to make this dream come true was to start doing some side work for neighbors and stuff that cash away in an old coffee can. After several months he made his dream a reality when he emptied that can and bought his dogs.

This is not just a piece of movie fiction; this is a tried and true old school savings plan that can actually make an impact on your budget.

Taking on extra work to make a budget work is what our grandparents and great grandparents considered the only answer to a tight budget. You need more money, you do more work.

Designating side income toward a single goal is a great way to feel the psychological satisfaction of actually seeing a goal accomplished. In most cases side income does not have to be a permanent change to your life. Do the extra work until you have reached your goal and then resume your usual work schedule.

If you need a jumpstart on simplifying your finances and increasing your savings, consider speaking with a Christian debt relief advisor at FaithWorks Financial. A debt management plan or debt settlement program may be a great way to reduce your monthly outgo and give yourself some much needed breathing room.

You’ve heard it said that you have a better chance of being struck by lightning than winning the lottery. That’s certainly true, but perhaps we’ve heard it so many times, we’ve become a bit numb.

A recent article by National Geographic put things a bit more colorfully. Turns out, you’re far more likely to be killed by a shark, hit by an asteroid or comet, or—wait for it—injured by a toilet, than you are to win the lottery.

So, what are the actual odds of, say, winning the Powerball grand prize? According to the Powerball website, they’re 1 in 175,223,510. And the odds of winning second place? 1 in 5,153,632.

Perhaps you’re aiming much lower than that, and you’d be happy to win the smallest prize of just $4. Your odds are still not great: 1 in 55. And if you spend $2 per ticket and it takes you 55 tries to win, are you really winning after all? You just paid $110 to win 4 bucks.

We know all of this in our minds, but it’s another matter entirely to grasp it in our hearts. It seems there’s still something inside many of us that fights against logic and says, “But it could happen to me.”
To help move our lottery knowledge from our heads to our hearts, let’s take a quick look at what the Bible has to say about the matter.
Proverbs 13:11 says, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it” (ESV).

I’d say winning the lottery is the definition of gaining wealth “hastily,” and there are scores of sad stories detailing the misery of lotto winners who experienced the truth of that proverb.

But that only addresses the problem of winning. What about the desire to win in the first place? And the money spent in pursuit of that win?

“For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs” (1 Timothy 6:10, NIV).

Those who find themselves chasing after a Powerball win in hopes of becoming rich are not only in danger of distancing themselves from God, but hurting themselves through unnecessary heartache.

As for all the money spent trying to win—$520 a year if you buy just one Powerball ticket every weekday—it’s difficult to justify when held up against Proverbs 3:9.

“Honor the Lord with your wealth and with the best part of everything you produce” (NLT).

For those who find themselves giving into the temptation to chase after the latest jackpot, those are words worth considering. Does that ticket purchase honor God? Are you giving Him your first and best gifts through tithes and offerings? Or is your lottery habit preventing you from giving God your best?

That’s a lot to think about, but let’s wrap this up with one last idea, from Jesus Himself, as recorded in Matthew 6:24 (NIV):

“No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.”

If you are hoping to win the lottery to rid yourself of your credit card woes, contact FaithWorks Financial at 877-232-5109 to learn about our Christian debt relief programs. You’ll have a much higher chance of seeing your debt disappear!