Pay off your debt

This is a big one – paying off all of your debt except your mortgage.  This is huge.  We’re setting the captives free!  No more “…borrower is slave to the lender” (Proverbs 22:7) stuff.  This is by far the hardest and most-intense part of the “baby steps”, but the most powerful!… Dave Ramsey will suggest using his


A financially smart holiday season

Christmas is over a month away, but it’s never too early to start preparing your finances for the holiday season. Without a plan, it can be easy to fall into unhealthy consumer habits, so set aside time this week to create ground rules for your spending. Here are a few suggestions.   Don’t tap into your savings The meaning…


You can help victims of the Super Typhoon

Super Typhoon Haiyan devastated the central Philippines, causing widespread destruction and killing thousands.   The storm—one of the most powerful ever recorded—slammed into the island of Leyte early Friday morning with sustained winds reported as high as 195 mph and gusts up to 230 mph, flooding coastal communities.…

Taking the first step toward financial security

The first step toward financial security is to save $1000.  This acts as a emergency fund.  Step three will be to get a full emergency fund of three to six months of living expenses.  But, until then, you’ll need this small buffer between you and life happening. This step should be done QUICK!…  This should not be a long-term goal. 


Dave Ramsey’s 7 "Baby Steps"

Chances are you’ve heard about a guy by the name of Dave Ramsey.  He is a best-selling author of books like Financial Peace and Total Money Makeover, which were the inspiration behind our financial success. Dave Ramsey developed what he calls the “Baby-Steps”.  The premise behind the “Baby-Steps” is that…


Don’t be nonchalant about insurance

Insurance.  It’s another boring topic within the financial world.  There’s nothing real exciting about it.  Which is the reason it’s easy to not pay attention to it….out of sight, out of mind.  Do you have any idea how much insurance you have on your home or car? Here’s what typically happens.  …


Highway to the "danger zone"

I can’t help but to think of the Kenny Loggins song “Danger Zone” when discussing this topic.  But when it comes to your finances, what’s your danger zone?  Ya know, the area in your life, which little by little, hurts you over time. For some, this means the daily trip to Starbucks.  An occasional $5 coffee…


Planning for retirement

At Covenant Trust Company, we understand the importance of saving and investing for retirement. But we also understand that thinking about retirement can raise a lot of questions. So here are answers to a few basic retirement planning questions that you may have, or perhaps, questions you haven’t even thought of asking.  …


Will and estate planning

Estate planning may not come to mind when you think about money, but a Will should be part of your financial plan. In a way, a Will lets you manage your money and assets after you pass; it’s a way to take care of your family and friends even after your death. In addition to facilitating the distribution of assets, a Will can also determine…


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