I decided to write this post because it pertains to personal finances and it can be seen as a testimony and spiritual food. Keep reading and you will see where I am going.

I have always been a giver and someone who has a heart to serve people. That is my heart to give, help people and make a difference in someone’s life. Today, a dear friend - reminded me that is who I am and have always been… a person who has a heart to serve.

For those of you that have known me a long time, I have always taught on personal finances for individuals, single parents and wives. I did that online and offline. Well, in late 2007 every time I turned around I was up at night thinking about personal finances and couples. It was keeping me awake at night with excitement.

Even to this day, this program Debt Stops At The Altar and Money Talk Before The Commitment walk that is a little over a year old, continues to keeps me awake at night with excitement. I started writing blog posts for Debt Stops At The Altar over a week ago and been having loads of fun with different issues that couples face. If you are new to my posts, you will soon find out I provide practical and realistic solutions. I do not believe in fluffing anything up. It is fluff that has caused some of us to get into trouble.

I encourage you to find out what keeps you awake at night. Let me assure you, it’s truly one thing. Know that your passion inspires you, motivates you, makes you reach outside of the box and make a difference in the lives of many. 

If you have money and marriage questions or would like to speak with someone who will listen and give you unbiased answers, I invite you to go to www.DebtAtTheAltar.com  and read some of the posts. You can also send me an email through that site.

Your answer is closer than you think.

I was waiting to see when this would happen. Let’s face it what is happening with the economy is affecting many people. Sure enough, it will cause one to lean on their faith like never before. This is a time when you find out what you are made of.

I read an article a week or so ago that shared people are turning to their church for answers. Help with finances and some are receiving answers. Read it for yourself:

http://www.cnn.com/2009/LIVING/personal/02/20/faith.finances.courses/index.html

I have been there. If you are not getting answers or prefer to receive help without everyone knowing about it (I was there one time as well), you can find available resources through my website, www.Taffywagner.com. As a matter of fact, I’ve reduced the prices due to the economic situation. With one of the programs you receive three months of financial guidance at no cost.

Here’s to your economic health and wealth.

Technorati Tags: finances, debt, faith, church, money, economy, financial stress, financial strain, religious, relationship

As a veteran Air Force staff sergeant, Taffy Wagner, DMin, knows how challenging it is for young engaged women to military service members, newlyweds and spouses to be put in the position of money management when they have not had a chance to get used to the military lifestyle. The excitement of being a bride and saying “I DO” can quickly turn into sadness and feeling lonely because of a deployment or even a short temporary duty assignment.  Let’s face it, being “Married to the Military” is its own unique community. Finances are different for military service members and families.

 Wagner created Money Talk Before The Commitment Walk and Debt Stops At The Altar financial education program to teach couples how to communicate in a non-threatening manner throughout the lifetime of their marriage. “I believe this course would be a great starting point for military spouses who are placed in the position of managing money for their household.” Wagner said. “I know it is hard for spouses to be “thrown into” managing money when they might not have done  well on their own. What I teach will follow them wherever they go and equip them for financial harmony.” Wagner’s innovative Money Talk Before The Commitment Walk and Debt Stops At The Altar financial education program is a program that spouses can do in the privacy and comfort of their own home. This is the first of its kind for engaged couples and newlyweds. She’s offering a 25% discount to military spouses that purchase this program and is donating 15% of all purchases made from January 14, 2009 to January 30, 2009 to be divided between eMOM, National Military Family Association and Help A ServiceMember Out organizations to reach out to the community she still considers herself a part of. 

From her own independent research, Wagner was aware that there was not a financial education program specific for engaged couples and newlyweds. Wagner said, “As a veteran, who has talked with military spouses and had friends that were military spouses, I believed military spouses could  benefit from this program as well as civilians. I developed this program to help create financial harmony in marriage versus financial stress and division.”

As a happily married wife of 13 years, Wagner shares about bankruptcy, slow pays, cleaning up credit, the shopper in the house versus the saver and more. Wagner says, “There are many financial issues that couples will face some planned and others unplanned. There is absolutely no reason a couple cannot be equipped with financial guidance beforehand.”

 This program is being discounted for the next two weeks. Everyone that purchases this program will also receive a pre-release copy of Wagner’s deployment and financial program, FE4PPDS at no cost.  

For more information, go to http://debtatthealtar.com/military-spouse-marriage-and-money/

Join me for the interview regarding Marriage Surviving the Recession

http://www.ChristianWivesClub.com

tonight at 9pm EST. 

Technorati Tags: Christian wives, Christian, finances, recession, marriage, money, Christian wives club, The Debt Stops Here, wife

I shared with you earlier this week that my husband is participating in a national program titled Giving is Awesome. I am so moved by the nominations that are coming in. Keep on nominating if you are in Denver, Colorado. Go to

                       www.ericsportraits.com and nominate a deserving individual or family today.

 What an awesome way to say you care.

Technorati Tags: Eric Wagner, Denver, Colorado, family, giving, portraits, care

We all know that Giving is Awesome. My husband recently called me to share about a program

that he would be participating in as a photographer. LOVE IT. Read below:

Eric Wagner of Portraits by Eric in Denver, Colorado  has joined in the holiday spirit, pledging $1,000 in complimentary custom portraits to a family who simply cannot afford them this holiday season. He is taking part in a worldwide photographic effort, Giving is Awesome to provide deserving individuals and families with cherished heirlooms. Premiere photographers from around the world are giving away over $317,000 worth of artwork and welcome you to nominate a family who is incapable of paying for custom photography for Eric’s prize.

For more information about Eric or to nominate a local family, visit http://www.ericsportraits.com/giving.html. To learn more about Giving is Awesome or to nominate a family outside the region, visit givingisawesome.com .

Nominate someone via Eric’s website today. 

Technorati Tags: Eric Wagner, Portraits by Eric, photographer, Denver, Colorado, giving, family, families, individual

Remember to remain thankful despite what it looks like:

Thank you God for my loving and supporting husband

Thank you God for our twins developing spiritually, physically, mentally and academically according to you plan  

Thank you God I have a roof over my head, food to eat and a place to lay my head at night

Thank you God for my health and my strength

Thank you God my bills are paid off in full

Thank you God I am in my right mind and my mind is stayed on you

Thank you God for our vehicles and they are running in good order

Thank you God for receiving me as your willing vessel

Thank you God ___________________

I am sure as someone that has read my previous posts, you are more than aware that I could go on and on 

Father, if I had 10,000 tongues I could not thank you enough

I give THANKS

Technorati Tags: thanks, give, God, family, praise, health, bills

Given the state of the economy and how many are affected, I decided that I would extend my Cyber Monday Special for Money Talk Before The Commitment Walk and Debt Stops At The Altar financial education program.

Who can use it:

          Engaged Couples preparing to walk down the aisle

          Newlyweds teaches them how to communicate about money even in difficult times

          Parents whose young adults are preparing to get married

          Ministers/Pastors that provide Premarital counseling

          Anyone in the bridal industry - gift shows you are investing in the marriage, not just the wedding.

           Special is approximately a 40% discount and no shipping cost. Go to

                        www.DebtAtTheAltar.com today it ends on 12/2/08 at midnight MST.

           This is the financial gift that keeps on giving. Can be used over and over.

Technorati Tags: newlyweds, engaged, couples, finances, debt, marriage, wedding, premarital, money 

Have you spoken THE WORD today? Or have you been speaking what you see?  Let me share what I mean by that. When it appears in the natural that you are not able to pay a bill - what do you speak? Do you leave the bill on the desk and not call the company? When someone speaks negatively about your children - do you agree with them? Or in any of these instances do you speak THE WORD. For example with the bill - do you say, God, your Word says My God shall supply all of my needs according to HIS riches and glory in Christ Jesus.  God says I am the Lender and not the borrower.

Let me encourage you today, God’s WORD is alive. Over the last few weeks I have watched some prayers manifest almost instantly. There have been days when I’ve had to stop and take a deep breath. I am having fun with my relationship with God. There have been times when I’ve been on the phone with a Sister and we have gone into a Praising and Thanking God conversation because of what he has already done. God says keep him in remembrance of HIS Word.

When you Speak HIS WORD it must come to pass. It is not Your Word. Stand on HIS Word. It says in Isaiah 55, it will not return to you VOID.

Do you recall a time when you were minding your own business, going about your daily work and God gives you a Word for one of your brothers or sisters in Christ? When this happens to me, I listen to the Word and then deliver it when God says to. There are times when it is immediate meaning I have to stop what I am doing and either call them or send an email. There have also been times when I needed to get the Word and then wait for God to instruct me on when to share it. Either way, you must be obedient as to what God is telling you and when he says to deliver the Word.

I am always blessed when the person says okay, I hear you Lord. I say that because I do not know what the person is dealing with BUT GOD!!! Halleleujah. Remember, obedience is better than sacrifice.

Tags [obedience, Word, spiritual, friend]