Good morning, My "favorite" verses, part 3. No discipline is enjoyable while it is happening—it’s painful! But afterward there will be a peaceful harvest of right living for those who are trained in this way. - Hebrews 12:11 NLT We're at the halfway point of the year. In sports, halftime is when teams make adjustments. They watch clips from the first half to see what needs to change. No matter where you are on your money journey, it's a good time to ask what adjustment you need to make in discipline. Here's why this newsletter carries this verse's name. Hebrews 12:11 has been the anchor of everything I've built here. When I've hit the point where I felt like I couldn't go on, this is the verse I come back to. It reminds me to trust God's process more than my own impatience. That's the thing about scripture. You can read the same verse at different seasons of your life, and it lands differently each time. This verse has been my anchor for over a decade — not because it feels good, but because of what it promises. Peace comes after discipline. Who wouldn't want more peace? I know I did. In my toughest money moments — drowning in credit card debt, no real savings, spending more than I made — this is the verse I always came back to. God keeps His promises. When I do my part, He takes care of the rest. We all have things that tempt us with money. We eat out even when we don't have it to spend. We shop instead of planning for what's coming. We say yes to family and friends, even when it hurts us. I don't know how God does it, but the more you keep doing the right thing, the easier it gets to walk away from those temptations. The verse is right. Discipline is long, and it's painful. Changing who you are is hard work. But once you accept that, the process gets easier to face. When you stick with discipline — doing the right thing even when you don't feel like it — peace shows up on the other side. No more buyer's remorse. No more guilt over enjoying the things you've planned for.

Good morning, We are in the middle of the week and at the start of the 2nd half of the year. Here is your reminder to stay focused on what you are striving to achieve. PughFC Stewardship is officially 2 years old, and the work each of you has put in has contributed to that success. Congratulations on your progress. I'm excited to see what the future holds for PughFC. Continue doing great work! 2026 Progress - Savings for future expenses - $6,350.77 - Total debt payments - $45,164.83 - 12 Debts Paid off, 10 participants Lifetime Progress (Start Date: June 2024) - Savings for future Expenses - $38,288.71 - Total debt payments - $154,518.33 - 52 Debts Paid off, 18 participants Griffin Family Success Update (Anniversary Date: March 19, 2022) - 23 Debts Totaling $20,687.77

Good morning, Payday is here. And if this week has felt heavy — financially, emotionally, or both — I want you to pause before you do anything with your money today. Tough seasons are real. But they don't have to cause long-term damage. Not if you stay focused. Here are three questions I want you to sit with today: - How can I show up for myself even when life feels chaotic?​ Your future doesn't stop mattering just because today is hard. You still deserve to make decisions that protect where you're going. - What can I go without right now that won't hurt me long term?​ This isn't about punishment. It's about being intentional with what you have during this season. - What is one thing I did last tough season that made things worse?​ You already know the answer. This time, choose differently. Begin with the end in mind. When this season is over, where do you want to be financially? Let that vision guide your decisions today — including what you do with this paycheck. If you are struggling to trust God with your finances right now, I wrote something specifically for you. Finding Freedom in Finances: A 21-Day Devotional will walk you through aligning your faith with your finances one day at a time. It's only $7. Click here to download your copy Talk to you soon! -Latrisa

Good morning, The Lord is my rock, my fortress, and my savior; my God is my rock, in whom I find protection. He is my shield, the power that saves me, and my place of safety. -Psalms 18:2 NLT‬‬ I opened the Bible app recently to find the very first verse I ever highlighted. It was June 5, 2012. Fourteen years ago. Shoutout to YouVersion for keeping the receipts — because I didn't know. I don't know exactly what I was feeling that day. But I know the season. I was a few months away from finishing my master's degree. I was also losing family members during that same stretch of time. Life was heavy. And here's the truth about heavy seasons: the last thing you want to think about is a budget. Saving feels pointless. Making a good financial decision feels impossible when everything else feels like it's falling apart. But I did graduate that year. I actually had a job offer before I even walked across the stage. Was life still hard? Yes. But I was still able to show up for myself. Talking to God consistently helped me hand over the things I couldn't carry or fix — so I could stay focused on being a good student and stepping into that new role. That's what leaning on God actually looks like in practice. You don't stop struggling. You stop carrying it alone. Here's what I share with my clients — stewardship doesn't require perfect circumstances. It requires something steady to hold onto when you aren't. For me, that steady thing is God. Every struggle I face, I want to bring to Him first. He can handle it. This verse is proof — it's full of everything you need in a hard moment. A rock. A fortress. Protection. Safety. The path to financial freedom is not a straight line. There will be up seasons and down seasons. In the down moments, you need something to keep you moving. In the up moments, you need something to keep you from slipping back. God is both. This Week's Action Step​ Talk to God about one thing you are struggling with right now — financial, relational, career, anything. Ask Him to be your support during this season.

Check out this week's Payday Tip! https://pughfc.kit.com/posts/the-one-financial-exercise-you-ve-been-avoiding-payday-tip