Good morning, Consumer Reports once shared that people spend around 42 hours shopping and celebrating during the holiday season. When you slow down and think about it, that’s a lot of time. And it’s easy to get swept up in the “what” without ever pausing to plan the “when.” So as you head into this payday, take a moment to pull out your calendar and really look at what’s coming in the next few weeks. A little planning now can protect your peace later. Payday Tips • Gather all your invites and list them by week. • Add your regular responsibilities so nothing sneaks up on you. • Decide ahead of time which events you’ll attend—and which ones you may need to sit out. Remember, the goal is a Christmas season that’s joyful, not draining. And just a heads-up: next Wednesday, December 10th, we’ll be setting goals for 2026. Don't forget to add the Zoom link and date to your calendar. https://www.skool.com/pughfc-stewardship-2697/calendar Remember, you are welcome to share the Zoom link with any of your family or friends. -Latrisa

Read this article and wanted to remind you all of this tonight.

Good afternoon everyone, Thank you to everyone who completed their check-in! Total savings for future purchases: $30,605.22 Total payments towards debt: $103.886.12 Total debts paid off: 37 # of Participants: 16 Keep up the great work! Missed your check-in? Here is the link so you can be included next time. https://forms.gle/wJ1MG9nTo6Hf3atf6 Stay focused and keep reaching towards your goals. UPCOMING DATES: (Check calendar for links) - Group coaching dates: 12/8, 12/15, 12/22 - Group Budget work sessions: 12/11, 12/18 - Free Coaching call: 12/10 Have a great day!

PJ Morton - Do You Believe (feat. Yolanda Adams)

Good morning, (Early release: I can't schedule here) “It’s poor judgment to guarantee another person’s debt or put up security for a friend.”‭‭Proverbs‬ ‭17:18‬ ‭NLT‬‬ Something I’ve learned about Proverbs is that they aren’t absolute promises—they’re observations from people who’ve lived long enough to see patterns. They show us that when we follow certain principles, our chances of walking in wisdom and peace are much higher. With that in mind, here’s my confession: I’ve loaned or given money before when I knew I shouldn’t have. It was poor judgment because the moment you issue a loan, you’re taking a risk on someone else’s situation—hoping they’ll be able to pay you back. And the truth is, most of us seek a loan because we don’t have the money at the moment. Now, there are times when God nudges you to sacrifice for someone. That’s not what I’m talking about here. Always pray for His instruction, but also trust the discernment He’s given you. Here are a few guidelines you can consider: - If you can’t treat it as a gift, you probably shouldn’t do the loan. - If someone gets irritated by your questions about repayment, you probably shouldn’t do the loan. - If it would create tension in your own household finances, you probably shouldn’t do the loan. Money disagreements strain relationships faster than we realize. Setting healthy boundaries doesn’t just protect your wallet—it protects your peace and the connections God has entrusted to you. Reflection Question of the Week: Have you decided on your giving boundary for your family? Take a moment to share this with your spouse or accountability partner and agree on those boundaries together. Prayer of the Week Dear God, Give me the discernment to know when to help someone who asks for support. Teach me how to give freely, without expecting anything in return. In Jesus’ name, Amen. Have a good week, -Latrisa