“Financial Guidance for Grace-Filled Living”
Budgeting
Practical tools and grace-filled wisdom to help you manage your money with confidence. Starting and maintaining a budget is foundational in running a household or business. It is imperative to know what money is coming to you such as donations contributions, appreciations, compensations and any related expenditures in order to determine what is left for you to invest! Do not take this formula lightly.
Investing
Your capital should be a tool for opportunity, not a source of worry.
Traditional finance models inherently limit your potential. There are those of mankind that are in business to help fix these structural problems.
- Without working harder or longer
- Without losing control of their money
- With LESS risk than they are already taking
- Click here to complete a free financial assessment from “Creative Capital Strategies”
Do you know the Rule of 72?
The Rule of 72 is a formula used to calculate how long money will double in value, given a particular interest rate. While it’s often used to describe investments, it can and does today for many Americans work against you:
To calculate the time period that an investment or debt will double, divide the integer 72 by the expected rate of return.
The formula assumes a single average rate over the life of the investment or debt.
72 / interest rate = number of years investment or debt will double. So, if you have a credit card charging you 18% yearly interest with an average balance of $6,000 (which in 2026 is the “supposed average” for Americans) in just four years that debt will double to $12,000.
