Whether you're paying off debt, saving more or just living within your means, you're working at avoiding the fear and stress of those who are not in control of their finances. This book guides you through a step-by-step process of identifying your spending habits, designing a flexible and realistic budget, and tracking your expenses. It also offers numerous and creative ways of reducing your spending and increasing your savings.
A little effort can save you thousands of dollars a year!
Take a look at your life and you'll realize that there's almost always a way to make do on less. This book offers up a bevy of ways to cut down on costs and still enjoy a satisfying lifestyle in any situation. From practicing good gas conservation habits to learning to love leftovers, this book will help every aspiring penny pincher stop the unnecessary spending and find the fun in frugality!
The passion and sense of urgency with which Ray and Shirley Noftsinger operate their counseling programs extends far beyond their own needs. “It’s never been about us,” says Ray. “When we became blessed abundantly through a sales contract I received, we asked the Lord what He wanted us to do with the excess. He told me, ‘Get my people out of debt!’”
Establishing their ministry from Isaiah 58:6 as it applies to debt, Shirley and Ray have ministered nationwide. Since 1996 over fifteen thousand families in debt from all backgrounds and faiths have become debt free. Their desire to counsel, educate, and set people free from financial oppression is the driving force to their ministry. Through extensive study of spiritual laws, which tap the continuous flow of God’s covenant promises, Shirley and Ray live as an example of the covenant of financial blessing provided in scriptures with all balances, of course, “Paid In Full”.