Financially Confident Christian

Why Do You Hide Your Wins?

We're diving into the heart of Christmas Eve, a time to pause and reflect on our wins from the past year. Why Do You Hide Your Wins? If you've been beating yourself up about not hitting every goal, let’s flip that script! Progress is still progress, no matter how messy it was. I’m here to remind you that it’s all about recognizing the steps you've taken, no matter how small. So, grab a cozy drink, kick back, and let’s celebrate those victories together, because trust me, they matter!Read today's blog articleCheck out the full podcast episode hereChristmas Eve is a time for reflection, and today we dive into that vibe. It’s all about celebrating the little wins we often overlook, especially during the holiday hustle. Like, how many of us get caught up in the chaos and forget to give ourselves a pat on the back? Seriously, whether you paid off a credit card, started saving a little cash, or just managed to keep your plants alive, those are all wins worth celebrating, my friends. We chat about how progress isn’t about perfection; it’s about those faithful steps—even if they’re small. We also explore how embracing gratitude can shift our mindset and help us see the blessings in our lives. So, grab a cozy drink, and let’s reminisce about the year and all the good stuff we achieved, no matter how messy it was!Takeaways: It's crucial to reflect on what we've achieved this year, even the small wins. Celebrating progress, no matter how tiny, is a big deal, especially as we wrap up the year. Don't stress about not hitting every goal; focus on the progress you made and acknowledge it with gratitude. Gratitude isn't just a feel-good thing; it changes how we view our challenges and can lead to real transformation in our lives. Sharing your wins with friends or family can strengthen relationships and encourage others, so let's spread the good vibes this Christmas! Recognizing your milestones helps you see God's hand in your life, turning the mundane into a testimony of faith and growth. Next year, let's kick things off not with guilt about what we didn't do, but with joy for what we accomplished and hope for what's to come. Links referenced in this episode:financiallyconfidentchristian.com/join💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏LISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)Please share our Podcast with all your friends and family!Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message

Confused by Tax Changes? What’s the ONE Thing You Must Know?

Confused by Tax Changes? What’s the ONE Thing You Must Know? Today, we’re diving into the wild world of taxes because let’s face it, tax season can stress anyone out. With all the rule changes, it’s easy to feel like you’re on a never-ending rollercoaster of confusion. But here’s the kicker: you don’t have to understand every little detail; just grasp one crucial thing that’ll keep those surprise tax bills at bay. We’re breaking it down so you can chill out and keep your peace, because nobody wants that dreaded April anxiety. So, grab a cup of coffee, kick back, and let’s simplify this tax maze together—trust me, a few small tweaks can make a world of difference!Read today's blog articleCheck out the full podcast episode hereTaxes can be a real pain, am I right? Year after year, the IRS keeps throwing curveballs at us, and honestly, it can feel like we're just trying to hit a moving target blindfolded. But here’s the kicker: you don’t need to know every single tax change to keep your head above water. Instead, I’m here to drop some wisdom on one crucial thing that can save you from those nasty surprise tax bills that hit us like a freight train every April. Clarity is the name of the game, folks! In this episode, we break down how you can navigate the tax maze without losing your marbles. I’ll share some simple steps to keep your finances chill and avoid that dreaded IRS letter. So, let’s kick back, relax, and dive into how we can all keep our cool during tax season!Takeaways: Taxes stress everyone out, especially with all the constant rule changes from the IRS. You really only need to grasp one main thing to dodge surprise tax bills. It’s all about clarity today to avoid surprises tomorrow when tax season rolls around. Understanding your tax bracket and standard deduction can save you a ton of headaches come April. Adjusting your withholding now can prevent a nasty surprise tax bill later on. You don’t have to know everything about taxes; just the right bits can lead to peace. Links referenced in this episode:financiallyconfidentchristian.com/2026💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏LISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)Please share our Podcast with all your friends and family!Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message

Anxious About January Bills? How Prep Can Calm the Storm

January can hit like a freight train, right? All those bills and expenses seem to pile up outta nowhere, making us feel like we’re drowning in financial chaos. But guess what? You don’t have to let January push you around this year. Anxious About January Bills? How Prep Can Calm the Storm. In this chat, I’m sharing how a little prep in December can help you stroll into January with way more chill. We’ll break down some easy-peasy steps to tackle those sneaky expenses and keep your peace intact. So, let’s dive in and make sure you’re ready to crush the new year without breaking a sweat!Read today's blog articleCheck out the full podcast episode hereJanuary can feel like a punch in the gut for me sometimes—maybe you feel it too. It’s that time of year when the bills come knocking loud and clear, and I’m still recovering from the holiday hangover. In this episode, I dive deep into that all-too-familiar struggle, reminding myself (and you) that we’re not navigating this chaotic financial whirlwind alone.I get real about the usual culprits: insurance renewals, heating bills that seem to skyrocket overnight, and those school fees that somehow always land at the exact same time. But here’s what I’ve discovered: it doesn’t have to be this way. With just a bit of prep work in December, I can walk into January like I own the place—armed with a solid plan instead of stress.I share some practical steps I use to get ahead of the January blues, from listing out those sneaky, easy-to-forget expenses to pre-funding the biggest troublemakers. I break it all down in a simple, doable way. And of course, I sprinkle in some Bible wisdom—because let’s be honest, I’ll take all the divine backup I can get when I’m navigating the money maze. So grab your pen and paper, and let’s get ready to kick January’s butt together.Takeaways: January can feel like a financial punch to the gut because of all those bills. Planning for recurring expenses in December can reduce stress and bring peace in January. Don't let January catch you off guard; prep for it and start the year right. Listing your expenses and pre-funding big bills can really make a difference. Shifting some December wants to February can help you manage your budget better. A little planning goes a long way in creating a calm and confident new year. Links referenced in this episode:financiallyconfidentchristian.com/join💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏LISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)Please share our Podcast with all your friends and family!Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message

Afraid of Next Year? Let's break that fear!

Afraid of Next Year? Let's break that fear! You're not alone, my friend! With prices climbing and income feeling like a rollercoaster, it’s easy to get caught up in that spiral of worry. But don’t sweat it; fear might love to whisper “what if things get worse,” but faith has a better comeback: “God will.” We’re diving into how to swap that anxiety for some solid trust, giving you practical ways to embrace confidence instead of dread. So grab your favorite drink, kick back, and let’s chat about trusting God with our needs, one day at a time.Read today's blog articleCheck out the full podcast episode herePrices seem to be climbing faster than my monthly bills, and it’s tough not to feel that knot forming in my stomach when I think about it all. But here’s what I’m learning: there’s a powerful voice of faith that can speak louder than all those anxious whispers.In this episode, I dive into the truth that God’s provision is always enough—even in seasons that don’t look or feel abundant. For me, it’s not just about spiritual vibes; it’s about practical trust. I share some of my own experiences, the moments when God showed up in the leanest times, often in ways I didn’t expect.I talk about how I’m facing my fears with scripture, creating a needs-first spending plan, and leaning into daily gratitude to keep my heart anchored. It’s a simple game plan that helps me walk into the new year with confidence instead of anxiety.So whether you’re stressing over the small stuff or the big stuff, come hang out with me in this episode. I’ve got some strategies that lighten the load and strengthen your faith as we navigate the uncertainties ahead—together.Takeaways: Feeling nervous about the upcoming year is totally normal, especially with rising prices and unstable income. Trusting God isn't just a spiritual thing; it's about practical steps we can take daily. Fear and worry have been around since forever, but God's faithfulness never changes, no matter what. Keeping a provision journal helps you see God's past faithfulness, which builds trust for the future. Gratitude is a powerful tool that can shift your focus from fear to appreciation of what you have. Planning your needs first can reduce anxiety and help you focus on what really matters. Links referenced in this episode:financiallyconfidentchristian.com/join💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏LISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)Please share our Podcast with all your friends and family!Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message

Easily Swayed by ‘Deals’? I have the solution!

Ready to kick off the new year with a bang, but feeling like temptation's got your number? Easily Swayed by ‘Deals’? I have the solution! This episode dives into how to dodge those sneaky traps that pop up just when you're trying to make some financial moves. We’re talking about setting up some solid guardrails to keep your peace, focus, and wallet intact before temptation even knocks. We'll share some real-life strategies, like the 24-hour rule and unsubscribing from those pesky promo emails, that’ll help you keep your cool when the sales start flashing. Trust me, having a plan beats relying on willpower any day of the week, and we’ve got the tips to help you craft your own escape plan. Let’s get into it and make this year the one where we stay ahead of the game!Read today's blog articleCheck out the full podcast episode hereKicking off the new year feels like stepping onto a bright path, right? We’re all about that new year, new me vibe! But then, bam! January hits and we’re smacked with a barrage of sales, flashy credit card offers, and all those sneaky ads promising to fix our lives with just one click. It’s like temptation shows up with a party hat, ready to crash your goals! But fear not, because we’re diving deep into how to build some solid guardrails that keep your wallet safe and your peace intact. Seriously, we’re talking about setting boundaries that help you dodge those traps before they even show up at your door. This is all about keeping your financial game strong and your heart light. Join me as I share some foolproof strategies to resist those financial temptations and walk into this year with confidence!Takeaways: Starting the new year with hope is great, but watch out for temptations that can derail you. Temptations come rushing in when you're trying to make positive changes, so be prepared. Setting boundaries like spending caps and cooling-off periods can save you from financial regret. Unsubscribing from promotional emails is a smart move to avoid impulse buys and stress. Naming your temptations helps you recognize and fight them before they catch you off guard. Replacing lies with God's truth about contentment can help you resist those flashy deals. Links referenced in this episode:FinanciallyConfidentChristian.com/join💛 Join the Financially Confident Christian CommunityIf today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at financiallyconfidentchristian.com/joinTogether, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏LISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)Please share our Podcast with all your friends and family!Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message