More Than Enough: Recent Episodes
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You’ve learned to talk about your money story, so what’s next? Dave and Reb continue their conversation this financial literacy month and discuss how to apply the things you learn about your finances in healthy ways that center pursuing Christ and the Kingdom of God. Join Dave and Reb on Episode #403 of “Let’s Talk Money with Dave and Reb” as they focus the conversation on both hearing and applying financial literacy skills and pursuing Christ both individually, and in the communities around us.
“Literacy is a tool to help us navigate the world around us. Money is a tool to help us navigate the world around us. When we put these together, we need to do this in a healthy way and recognize that we need to explore financial literacy options that match our level of financial literacy,” says Dave.
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/.
To read the article referenced in today’s show, go to https://www.theglobeandmail.com/investing/personal-finance/household-finances/article-money-worries-edge-out-loneliness-as-the-top-reason-for-feeling-bad/.
In today’s episode, Dave mentions this quote from Rob Carrick (from the article above) “…financial burden on Canadian households will ease at least a little in the year ahead. Money stress will persist, though. We need to think about coping with it, not waiting for it to disappear.”
To order Reb’s soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to Cultivating Trust here!
Here is the graphic outlining the MTE 5 steps to financial health, as mentioned in today’s show!
The post Applying Financial Literacy with Dave and Reb first appeared on More Than Enough.
Financial Literacy Month is upon us! During seasons of financial stress, Dave and Reb introduce the theme of this years financial literacy month with a focus on how to be effective and productive in your conversations around money. Episode #402 of “Let’s Talk Money with Dave and Reb” acknowledges that learning to talk about money is an often forgotten part of financial literacy but one that is easily fixable!
Dave encourages listeners saying, “Give yourself grace in these conversations around literacy as you acknowledge where you truly are in understanding your finances.”
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/.
To read Rebecca’s blog referenced in today’s show, you can find it here: https://morethanenough.ca/2024/10/11/my-apple-cider-patron/
To read the article referenced in today’s show, go to https://www.theglobeandmail.com/investing/personal-finance/household-finances/article-money-worries-edge-out-loneliness-as-the-top-reason-for-feeling-bad/.
To order Reb’s soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to Cultivating Trust here!
The post Financial Literacy with Dave and Reb first appeared on More Than Enough.
What does giving really mean? Can you put a price tag on generosity? Is $20 generous? Dave and Reb are joined by Lori Guenther Reesor on episode #401 of “Let’s Talk Money with Dave and Reb” to answer these questions and discuss new ways that Canadians can approach giving in their community.
“We don’t want to be a roadblock to giving,” emphasizes Lori. “People who recognize God’s goodness and grace understand they need to open up and allow the amazing things to happen.”
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/.
To visit Lori’s website, please go to https://lgreesor.com/. To read the blog that today’s show is based upon, go to https://lgreesor.com/blog/is-giving-20-a-week-generous-deep-data-dive-2024-3.
To order Reb’s soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to Cultivating Trust here!
The post Is Giving $20 a Week Generous? With Lori Guenther Reesor first appeared on More Than Enough.
Join Dave and Reb this week as they celebrate episode #400 of “Let’s Talk Money with Dave and Reb”!!! The co-hosts invite Natalie Rowe back to the show to encourage young minds to transform how they think about pursuing income building in their career and how older generations can nurture that shift in thinking. From limiting beliefs to failing forward, Natalie addresses the common fears when thinking about career choice or transition.
“Your mind is powerful. It can limit you, or it can propel you forward…If we are going to be transformed, it has to begin with the mind,” says Natalie Rowe.
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/.
To visit Natalie’s website and learn more about the work she is doing, go to Transforming Minds International at https://transformingminds.ca/.
To order Reb’s soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to Cultivating Trust here!
The post Transforming Young Minds: Thinking about Careers with Natalie Rowe EPISODE 400 first appeared on More Than Enough.
Dave and Reb dive into the topic of generating income with Natalie Rowe who gives a refreshing perspective on the ‘side hustle’. Episode #399 of Let’s Talk Money with Dave and Reb” invites listeners into exploring how they can increase income through utilizing their gifts and creatively exploring the financial world.
“Diversify. Do not knot your hand. Do not withhold. Sow widely,” advises Natalie Rowe. “The question often becomes not where to cut back expenses, but how to increase income”.
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/.
To visit Natalie’s website and learn more about the work she is doing, go to Transforming Minds International at https://transformingminds.ca/.
To order Reb’s soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to Cultivating Trust here!
The post Making It Work: Side Gigs with Natalie Rowe first appeared on More Than Enough.
By Rebecca van Noppen
“Let me pay for that,” the young woman said behind me as I finished packing up my groceries. The cashier was holding up a jug of apple cider that had been forgotten, laying on the conveyor belt in no-man’s-land between groceries paid and those yet to be rung through.
Pulling out my wallet again with the cash to pay for this delinquent jug, the smiling young woman once more expressed her kind offer.
“Are you serious?” I asked.
“Most definitely,” she had said with a gentle laugh. “I would love to.”
This gesture, simple and profound, began a three-way interaction with an astonished cashier, a delighted giver, and a surprised and thankful receiver. We chatted about our efforts to give, encourage, and bless people by paying for groceries, and how so often people refuse the kindness. I knew what it was to be on the giving side of the equation, and I wasn’t about to keep this beautiful young woman from receiving the joy of the give. Let’s be honest, it wasn’t a $100 jug of juice, but we all seemed to know it wasn’t about the price. It was about the opportunity, the heart, the ask, the receiving, the spontaneity, and simply being a part of a community interested in the well-being of others.
In this season of life, when I daily read articles outlining the financial stress so many Canadians are facing, I can get lost in statistic after statistic reminding me of how hard things are. News outlets and financial papers outline the billions of dollars lost in productivity, as Canadians worry about cost of housing and living paycheque-to-paycheque. They recount to us the amount of debt Canadians are accumulating (and no I am not going to give you the details here), and how that sets us back on our journeys toward retirement.
After reading these articles, I feel something missing—something like hope—that I only seem to find in the community I live and work in, that I find in the faces and actions of people like that young woman who bought a stranger a jug of apple cider without knowing the full story.
Don’t get me wrong, lots of these articles have “answers” that help us. Even I write articles with financial tips and tricks that include:
- Getting financially aware
- Tracking spending
- Having an emergency cushion
- Living on less
- Paying down debt
All very practical, yet not very inspiring, at least not until we hear these practical steps from people who have been where we are, and have found a way through.
There is no magic pill or silver bullet that will get our financial houses in order, but we may find inspiration to do the knitty-gritty practical work of tracking spending, paying down debt, and saving for retirement, in the stories and experiences of our family members, friends, and neighbours—stories like the woman at the grocery store, who kindly offered to buy some juice for someone she didn’t know.
To hear more financial stories that bring hope and inspiration listen here:
Let’s Talk Money with Emily and Caleb
Being in the Light with Karen Ball
God’s Faithfulness Found in 2018
Financial Hope and Freedom with Andrew and Martha
Hospitality 1.0 with Tanya Princep
The post My Apple Cider Patron first appeared on More Than Enough.
What are you pursuing? What do you live for? And how is that shaping your life? Dave and Reb are joined by Rev. Ray Borg to wrestle with these questions on episode #397 of “Let’s Talk Money with Dave and Reb”. Discussions on limiting beliefs around money and the judgment that comes out of the pursuit of money guide the conversation as the co-hosts encourage listeners to shift how their heart is leading their financial journey.
“Jesus taught us to pray ‘give us our daily bread,’” reminds Rev. Ray Borg. “it refocuses us to the practical simplicity of the gospel, walking with Jesus, having Him in our lives, and being grateful for all that He’s done for us.”
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/.
To order Reb’s soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to Cultivating Trust here!
The video from Bob Lotich at SeedTime referred to in today’s podcast can be found here: Seedtime video: Is money the root of evil?
The post The Pursuit of Money with Rev. Ray Borg first appeared on More Than Enough.
Shame, fear, and loneliness can plague your financial journey but Reb and Dave take time this week to encourage listeners to lean into their community and step out of isolation. Episode #396 of “Let’s Talk Money with Dave and Reb” encourages finding people around you who have a heart of caring and a desire to build community.
“We aren’t alone,” says Reb. “In our finances we may manage our finances alone, but we can still walk with others and be accountable to others”.
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/.
To order Reb’s soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to Cultivating Trust here!
The post Walking Together in Finances first appeared on More Than Enough.
What questions should you be asking when you are estate planning or looking at retirement? Tim Jenkins joins Dave and Reb on episode #396 of “Let’s Talk Money with Dave and Reb” to give an inside look at four key questions he consistently addresses with his clients and the Biblical principles that are wrapped around both the questions and answers.
Time Jenkins reminds listeners, “As soon as you identify that you have a plan to reach the finish line, there is clarity, then you can have contentment around that. This gives freedom to live without having all your decisions based around money.”
To hear more of today’s conversation, tune in to this show sponsored by Trinity Family Wealth Advisors, an integrated team of experts, helping you manage wealth, while preparing your legacy and blessing others for generations. To connect with Tim go to https://trinityfamilywealth.ca/ and he will help you gain clarity, contentment, and freedom on your family’s journey. To read a blog related to today’s show, go to https://trinityfamilywealth.ca/four-of-lifes-most-critical-questions-2/.
To order Reb’s soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to Cultivating Trust here!
The post Four of Life’s Most Critical Questions with Tim Jenkins first appeared on More Than Enough.
Fear can be a prison, but how can focusing on the wonder of God be a tool to help free us? Episode #395 of “Let’s Talk Money with Dave and Reb” welcomes back Rev. Ray Borg to continue the conversation about wonder. The co-hosts encourage listeners that knowing their limiting beliefs can be the first step in creating space to face their financial journey.
“In our finances, we can be walking inside our prison when the door is wide open. But we have to do something different, to look up to God, to find the change,” says Dave.
To hear more of today’s conversation, tune in to this show sponsored by Trinity Family Wealth Advisors, an integrated team of experts, helping you manage wealth, while preparing your legacy and blessing others for generations. To connect with Tim go to https://trinityfamilywealth.ca/ and he will help you gain clarity, contentment, and freedom on your family’s journey.
To order Reb’s soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to Cultivating Trust here!
The post Is God Holding Out on You? With Rev. Ray Borg, Part 2 first appeared on More Than Enough.
Dave and Reb are joined again by their daughter Hope on episode #394 of “Let’s Talk Money with Dave and Reb” to continue answering your questions on budgeting. Hope lists the top five budgeting apps she found amidst her research and continues to explore the nuances of finding an app that works for you. Dave, Reb, and Hope encourage listeners to slow down and simplify the budgeting process.
Focusing on Luke 14, Rebecca addresses the responsibility of Christians by saying, “As Christian people, we are using these apps and tools to help manage and steward but we still need to turn to God and look to him to count the cost.The bank account and apps will tell us one thing… but is it reflecting back to me the values I say I have.”
This episode is sponsored by More Than Enough Financial—a financial coaching, tax, and mortgage company empowering people to find hope and freedom as they effectively manage their finances one day at a time. To order Reb’s soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to Cultivating Trust here!
The post Make It Rain: Apps and Tools, Part 2, with Hope van Noppen first appeared on More Than Enough.
By Hope Van Noppen
(Listen to the “Let’s Talk Money with Dave and Reb” podcasts on September 6 and 13, 2024 to hear Hope’s conversation with the co-hosts as they explore the benefits of spending plan and budgeting tools.)
Here it is! The list you’ve all been waiting for!
Here are my top five financial tools for budgeting for 2024! To understand my perspective, I am a 20-something single female in my last year of university. I investigated many tools and apps, but have decided on these five as the most cost-effective and easy-to-use options.
TangerineTangerine is an online bank that is the best app for connecting your pre-existing bank accounts with a budgeting tool. I love how customizable it is and how the budgeting features prioritize saving. You can find more information at : https://www.tangerine.ca/en/personal
Pros
- Connects with your banking apps
- You can set up auto payments for bills
- It’s a bank so you can e-transfer, withdraw money, etc.
- Reliable, free
- Can automatically divide your paycheck into separate accounts—you can set it up so whenever money comes in, it automatically sets aside some of the money for savings
- Very personalized and customizable
Cons
- You have to open new bank accounts to access the budgeting tools
- The budgeting tools work best if you have most of your money moving through Tangerine, so this would require moving money from all your other bank accounts into the Tangerine accounts
- A bit less intuitive/more complicated to set up and requires being a bit more “tech savvy”
Wallet by Budgetbaker Wallet is a user-friendly budgeting app that clearly lays out the budget and tracks monthly spending easily. It has a ton of features that do not exist in other apps, like the debt tracking and investment portfolios. You can find more information at : https://budgetbakers.com/
Pros
- Easy to use
- Includes investment tracking
- Gives an income/expense report and graphics that compares different months and pay periods to each other as well as how on track you are with the budget.
- Able to set reminders that encourage you to do your finances
- Can add planned payments you’re anticipating and sends you reminders to pay it
- Tracks investments, debts (best app that tracks your debt), loyalty cards, grocery lists
- Fun and easy to use to create savings goals
Cons
- To have more than three accounts in the app or access some of the features, you have to pay (8$/month)(40$/annually)
- It says it syncs with your bank account, however it’s an American app so it may not work with Canadian banks. Users also report that there are often issues with the syncing of the bank account so I’d recommend just manually inputting your data.
Budget with Buckets Budget with Buckets is an app that prioritizes both individual and communal budgeting. One account can be shared among an entire household. It is quick to learn and provides quick customer support. All around, it is a solid app. I highly recommend watching the videos on the website. After I did that, I found it enjoyable to use and easy to understand! You can find more information at : https://www.budgetwithbuckets.com/
Pros
- Free unlimited trial period with a $85 one-time purchase fee that can be shared amongst a whole household (communal budgeting feature)
- Video guides to help guide you through setting up the account
- Allows you to track your debt
- Gives graphs
- Allows you to save in different ways (ie. depositing a certain amount each month, trying to save by a certain date, etc) and tells you how far from your goal you are
- Able to sync with your bank, although it’s a complicated process. I’d recommend manual input, especially if you are trying to connect bank accounts between multiple people
- Good customer support
Cons
- No mobile app
- $85 one-time fee, but there is a free unlimited trial
You Need a Budget You Need a Budget is a popular budgeting app that connects well, and does so safely, to external bank accounts. It easily guides you through setting up the app and provides a ton of external resources for managing your finances. You can find more information at: https://www.ynab.com/
Pros
- Easy-to-use and guides you through setting up the app with a ton of videos on how to best utilize the app
- Bank account integration
- Available to download on your computer and/or phone
- Offer free workshops (however I haven’t been to any so I can’t endorse their material) and a ton of resources
- Most popular/praised app = great customer support
- Able to assign/’refill’ your money into specific accounts each month/pay day/week
- Has graphs that show your progress each month and how much you’re saving
- It can link to your bank accounts and is the safest app I’ve found that allows for these connections.
Cons
- Paid subscription of $20 a month or $150 annually, so it is on the pricier side
- No free option after the trial
- A bit more complicated to figure out. I found the app user interface a little crowded because of all the information it contained. However, there’s also a ton of resources to help you set it up.
Money Manager This app is perfect for people who have never had a budget or have simple finances to manage. You can find more information at : https://www.realbyteapps.com/#
Pros
- Very simple/basic:a step up from a spreadsheet
- Free
- Good for people who don’t have a lot of complicated finances or who have never developed a budget before
Cons
- Doesn’t sink with your bank account
- Is very simple
- Is an older program so not very aesthetically pleasing
- There isn’t any work being done on the app so if you have issues or want things improved there won’t be any resolution
- Doesn’t have a lot of the features or helpful saving tools that the other apps do have
These budgeting apps will provide you with a good place to start in creating a financial plan that works for you, and all of them have a free trial, so try a few! While there is no magic app that will create the perfect budget for you, putting in time and effort into creating a system that works will help you become aware of where your values lie. The process will help you decide what you want to prioritize on your financial journey.
The post Making It Rain: The Top 5 Budgeting Apps and Tools for 2024 first appeared on More Than Enough.
By Hope Van Noppen
(Listen to the “Let’s Talk Money with Dave and Reb” podcasts on September 6 and 13, 2024 to hear Hope’s conversation with the co-hosts as they explore the benefits of spending plan and budgeting tools.)
Amongst the innumerable budgeting apps available, it may be hard to determine which one is right for you. But before committing to a specific app or even taking recommendations from other sources (like this blog!), there are some universal tips to take with you before making your decision.
- Remember Safety!
Be careful giving away your banking information to an app! Even if you want to connect your bank account to the app, research how safe it is so you don’t get your information stolen.
- Invest Time.
Every app will require you to invest work into creating your budget and finding out which app works for you. There is no magic app that gives you a perfect budget without you knowing your own finances and working to create a system for yourself.
- You Will Need To Use It.
The best budgeting tool is the one you use the most. Whether that is a piece of paper or a mobile app, budgeting works best with whatever you use.
Starting to budget or plan your spending for the first time can be confusing, but whether it is an app, using envelopes, or an excel spreadsheet, creating a cash flow management plan (a.k.a. budget) can help set you up for financial success.
The post Making It Rain: Budgeting Apps for Financial Awareness first appeared on More Than Enough.
Budgeting is an important part of organizing your finances, but how do you start? Tune in to hear Dave and Reb on episode #393 of “Let’s Talk Money with Dave and Reb” as they enlist the help of their daughter Hope to answer your questions around budgeting apps and emphasize the importance of safety in navigating online budgeting tools.
“A tool is only good if you are using the tool. You can have all the greatest apps in your phone, but if you never use them, they won’t do you any good,” emphasizes Rebecca. “Find the tool that works for you.”
Tune in to hear this episode that is sponsored by More Than Enough Financial—a financial coaching, tax, and mortgage company empowering people to find hope and freedom as they effectively manage their finances one day at a time. To order Reb’s soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to Cultivating Trust here!
The post Make It Rain: Apps and Tools with Hope van Noppen first appeared on More Than Enough.
What may feel like a recession in Canada isn’t exactly a recession according to traditional definitions, and on today’s episode #392 of “Let’s Talk Money with Dave and Reb”, the co-hosts talk about the new buzzword “me-cession” that is representative of how Canadians are feeling about the current economic climate.
The “me-cession” word is attributed to Charles St-Arnaud, chief economist at Alberta Central. Others are calling it the “per capita” recession where individuals and families are experiencing recession-like symptoms as they tighten their financial belts alongside increased inflation and interest rates. However, on an aggregate level, Canada’s economy is either holding or experiencing small growth, and technically Canadians are not in a recession because of the growth of the gross domestic product (GDP).
“Whatever you call it, Canadians are feeling financial pressure, and as always, we want to encourage listeners to keep planning what they spend, and then stick to that plan,” Reb says.
To learn more, listen to the show, or link to these articles:
- https://www.cbc.ca/news/business/world-market-united-states-recession-1.7285512
- https://thoughtleadership.rbc.com/canadas-economy-might-not-be-in-recession-but-it-feels-like-one/
- https://www.cbc.ca/news/canada/calgary/alberta-economy-recession-me-cession-1.7284314?utm_source=Prosper+Canada+Subscriptions+%5BAll%5D&utm_campaign=0115dfd2e9-Media_Monitoring_January_8_COPY_01&utm_medium=email&utm_term=0_536ea6808f-0115dfd2e9-209782524&mc_cid=0115dfd2e9&mc_eid=e2030b7b95
Today’s episode is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to Cultivating Trust here!
The post Me-cession or Re-cession? first appeared on More Than Enough.
What does it take to go through challenging financial times? Dave and Reb welcome back psychotherapist Amanda Van Noppen on episode #391 of “Let’s Talk Money with Dave and Reb” to talk about building resilience on your financial journey. They talk about the importance of connection, community, and contribution, as part of harnessing resources to sustain wellbeing.
They talk about the many definitions of resilience and the challenge to understand what it means. Resilience is the process of adapting well in adversity, but it also involves harnessing outside resources to sustain wellbeing.
“It’s not just internal, it is this process and this skill that we develop outside of us and develop in the community around us,” Amanda says. “It is more than just wondering ‘do we have resilience or not?’”
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to Cultivating Trust here!
To learn more about Amanda, go to https://vannoppentherapy.com/ Or on instagram: vannoppenpsychotherapy.
The post Building Resilience with Amanda Van Noppen first appeared on More Than Enough.
By Amanda Van Noppen
Registered Psychotherapist, MA, RP, CCC
(Amanda Van Noppen was a guest on “Let’s Talk Money with Dave and Reb” episode #391. She graciously added more of her thoughts around resilience and our financial journeys.)
Resilience is not the lack of stress—it’s the ability to go through it. There is no way around it, sometimes life can be hard. We feel the exhaustion of managing and pushing through and at times it can feel like we have nothing left. In these moments, what do we use to carry on and keep going? The word resilience comes to mind.
What is resilience? “Resilience is a process to harness resources to sustain well-being”.1
Resilience can sometimes be stereotyped as a character trait that we’re born with. It is depicted as strength, toughness, grit, or stoicism. However, more and more research is showing that resilience is a skill or process that we use. It’s more about getting through something, rather than being strong doing it.
Each of us has had our unique experiences that shape our ability to utilise and build resilience, and that may impact how resilient we feel. We also have areas where we feel more resilient than others.
A key to remember when thinking about resilience is that it’s not something we just have or don’t have. It’s something that ebbs and flows with the resources around us, the capacity we currently have, and the skills we’ve been able to add. Resilience—or lack of it—is not an indication of weak character, failure, or being less. It typically reflects on how much support we feel we have, how much internal resources we have available, and how much we feel we have the skills to get through a current situation.
Pushing throughWe all have areas where we feel more adapted and comfortable pushing through. One person may feel very resilient in their physical lives (lifts heavy things, runs far) but finds their mental strength waxes and wanes with time. Some people have immense emotional resilience, holding others’ emotions and being empathetic, but finding they are depleted when problem solving.
There are many types of resilience and it can be helpful to know your areas of skill and growth. Here are some examples:2
- Psychological—mental capacity
- Physical—body’s ability to adapt
- Emotional—ability to manage/process emotions through crisis
- Social—capacity for a group of people (often seen in community crisis)
In all of this, we may wonder if we can grow resilience, or whether we will remain stuck in current circumstances. This is key to resilience building—understanding that we can change, and grow it in our lives.
Here is one model that can help us grow our resilient muscles. The7Cs of Resilience3 lay out different ways we can feel more resilient in moments of overwhelm.
- Control—A feeling of autonomy. This is identifying what we have control over and practising boundaries related to what we do not.
- Coping skills—Feeling like we have the coping skills to manage distress and discomfort from stress. We are learning new skills and adapting our current ones.
- Contribution—Feeling connected and able to give back to others, helping others, thinking beyond ourselves.
- Character—A sense of purpose where values push us forward with a sense of what is right and wrong for us.
- Connection—Engagement with people where we feel that others understand us. We are part of a community.
- Confidence—The belief in our own abilities where we review what we have done in the past and understand that just like in the past, we will get through again.
- Competence skills—Learning the skills directly related to the adversity. For example you may go to counselling and learn about mental health symptoms, or you may sign up for financial coaching to help with understanding money and your behaviour around money.
What is the story we are telling ourselves about what is happening? Our internal narrative matters greatly in how we face difficult times. Are we telling ourselves we are alone, unable to handle things, abandoned by people and God, unable to do anything?Our internal narrative can lower our resilience and impact the 7Cs just by what we tell ourselves.
Another key to the journey is understanding that we don’t have to feel like we’re thriving to be getting through something. Resilience is not the lack of stress—it’s the ability to go through it.
Money, financial decisions, and current world situations can create a lot of concern and anxiety within us. Circumstances around money behaviour and conversations around money can really stretch us. You may be feeling that you have very little resilience in the area of money. Remember what you have already been learning. Return to the7Cs of how we grow and maintain resilience, even in the midst of financial stress.
Here is an example of how we might use the 7Cs in the midst of financial stress.
- Label what we have in our control to better allocate our limited resources to where we can actually do something or have the ability to make change. De-prioritize the areas that we cannot change.
- Focus on our coping skills that help us de-stress and manage discomfort. As backwards as it feels, we want to make sure we’re contributing or giving back in moments like these.
- Contributing may not be in money but in time, in providing a listening ear, or just being empathetic to someone around us. This will lead us to connection. Our own story isn’t the only one being told.
- Connection helps us feel like we have people around, supporting us. It can be helpful to take small moments in the midst of these stressful moments and re-centre ourselves on what we do have, and see how the journey is growing our character.
- Character development and understanding purpose in the journey is important. This may look like reminding ourselves of our God who loves us, or of the larger picture that has been created for us.
- Confidence is built throughout these moments when we remind ourselves that we have walked through difficult times before, and we have done so successfully. We have the ability to continue on.
- Competence is the final C, and means never hesitating to learn things that will help us grow. This building of competence can happen with coaches, therapists, friends, and family—people with knowledge who can listen, support, and guide through tough times.
To learn more about Amanda, go to https://vannoppentherapy.com/ Or on instagram: vannoppenpsychotherapy.
- (Panter-Brick & Leckman, 2013).https://acamh.onlinelibrary.wiley.com/doi/full/10.1111/jcpp.12057
- https://www.linkedin.com/pulse/four-types-resilience-abd-basheer-phd/
- https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6824889/
The post Building Resilience first appeared on More Than Enough.
It started with a quote from Dave. Do we create our own wonder and do we believe God is holding out on us? Those are the thoughts prompting today’s discussion with Rev. Ray Borg on episode #390 of “Let’s Talk Money with Dave and Reb”. Together they dig deep and encourage listeners to peel back the layers of their belief systems, and respond to Jesus’ invitation.
“Jesus has already given us the hope found in Isaiah 61 and offers it as an invitation to us,” Ray says. “He invites us to see that He is with us in the pain and pressure and grief and He wants to give us a new hope and perspective in it. He is not holding out on us, but we do get to experience Him in the process just as He experienced His Father’s presence in His hard things. That is what held him steadfast.”
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go toCultivating Trust here! Or www.morethanenoughbooks.ca.
To hear the comments from Dave that prompted today’s show, you can find it here: Restoring Wonder on Let’s Talk Money With Dave and Reb (timestamp 13:11).
The post Is God Holding Out on You? With Rev. Ray Borg first appeared on More Than Enough.
Dave and Reb continue their discussion around the financial fitness basics, and get into the knitty gritty of practical financial habits on episode #389 of “Let’s Talk Money with Dave and Reb”. Savings jars, emergency cushions, and more financial fun are a part of the discussion.
In today’s show, Dave and Reb give the reasoning behind some of the pieces of the Financial Fitness Seminar. You can find the recorded seminars here:
- Financial Fitness Seminar link
- Debt Snowball Link
To go to a live and online event, go to morethanenough.ca to register.
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go toCultivating Trust here! Or www.morethanenoughbooks.ca.
The post Getting into the Knitty Gritty first appeared on More Than Enough.
Here they are again, getting into the financial basics on “Let’s Talk Money with Dave and Reb”. On this week’s episode #388, Dave and Reb take a high level look at some of the topics they tackle in the quarterly online Financial Fitness Seminar offered at More Than Enough. Together, they give the reasoning behind some of the topics like “your big why”, financial awareness, and the three Ps of pain, purpose, and pleasure. The next live seminar will be held Tuesday, September 24, 2024. To go to any of these live and online events, go to morethanenough.ca to register. You can find the recorded seminars here:
- Financial Fitness Seminar link
- Debt Snowball Link
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go toCultivating Trust here! Or www.morethanenoughbooks.ca.
The post First Financial Steps Forward first appeared on More Than Enough.
‘How do I save with the rising cost of living?’. Join Dave and Reb as they address this frequently asked question, on episode #387 of “Let’s Talk Money with Dave and Reb ” and encourage listeners to turn to God to plan for the future. While there are a myriad of tips and tricks to saving money, turning to God and figuring out what will work for your individual family or situation will make the most impact on your saving.
“If you are wondering how to plan and prepare financially for what’s coming in the future of our economy, prayer is the best way to start,” explains Reb.
Tune in to the show today to hear their conversation which is sponsored by Ottawa-based LTR Industries Architectural Millwork. You can learn more about this custom millwork and cabinet shop that enables innovation and creativity at https://ltrindustries.com/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go toCultivating Trust here! Or www.morethanenoughbooks.ca.
To read the blog by Lori Guenthor Reesor mentioned in today’s show go to: https://lgreesor.com/blog/generosity-when-were-scared-zarephath-part-1-2024-6.
The post What Does Planning and Saving for the Future Look Like? first appeared on More Than Enough.
What drives contentment and how do we create an attitude of wonder even in financially difficult times? Dave and Reb are joined by Ray Borg on episode #386 of “Let’s Talk Money with Dave and Reb” to discuss the connection between dissatisfaction and wonder and ask the question of viewers, ‘what are you looking for and whom are you seeking?’.
“How much do the things around us distract us from the wonder of the love of God?” Dave asks.
Tune in to the show today to hear their conversation which is sponsored by Ottawa-based LTR Industries Architectural Millwork. You can learn more about this custom millwork and cabinet shop that enables innovation and creativity at https://ltrindustries.com/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to Cultivating Trust here! Or www.morethanenoughbooks.ca.
To learn more from Madeleine L’Engle’s book mentioned in today’s show, read And It Was Good: Reflections on Beginnings found here.
The post Restoring Wonder with Ray Borg first appeared on More Than Enough.
Buying a home, no matter your financial situation, comes with many big discussions around the cost. Buying a home involves considering the future costs that will appear with the responsibility of caring for a home. Join Dave and Reb on episode #387 of “Let’s Talk Money with Dave and Reb” as they explore the unknown or ignored costs of home ownership, on both the financial and spiritual side.
“It is so important to have God’s focus leading us in the building and establishing of our homes and the mortgage process,” says Reb. “If we aren’t doing it with God’s inspiration and God’s principles we are going to do it in vain”
Tune in to the show today to hear their conversation which is sponsored by Ottawa-based LTR Industries Architectural Millwork. You can learn more about this custom millwork and cabinet shop that enables innovation and creativity at https://ltrindustries.com/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go toCultivating Trust here! Or www.morethanenoughbooks.ca.
To learn more about this topic from investopedia.com, go here.
The post Counting the Cost of Home Ownership first appeared on More Than Enough.
What does it mean to lead a holy life? And what does this have to do with money? Dave and Reb have a delightful and earnest conversation with Ottawa author Karen Stiller on episode #386 of “Let’s Talk Money with Dave and Reb” about holiness and money, and how walking with God is an invitation out of worry.
“If we wait until we feel like doing things or feel like going deeper in something, often we won’t,” Karen says. “It is an act of the will in response to the love of God. We are safe to try and lead a holy life and we are safe to trust God with our money.”
Tune in to the show today to hear their conversation which is sponsored by Ottawa-based LTR Industries Architectural Millwork. You can learn more about this custom millwork and cabinet shop that enables innovation and creativity at ltrindustries.com. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to Cultivating Trust here! Or www.morethanenoughbooks.ca.
To learn more about Karen Stiller, go to karenstiller.com. She is a communicator, writer, podcast host, and co-editor of the magazine Faith Today. To order her book Holiness Here: Searching for God in the Ordinary Events of Everyday Life, you can find it here.
The post Holiness and Money with Karen Stiller first appeared on More Than Enough.
As we approach getting halfway through 2024, Dave and Reb reflect on the first half of the year and ask listeners, “how are you?” On episode #385 of “Let’s Talk Money with Dave and Reb”, Dave and Reb encourage listeners to pause and take a moment to reflect on their financial journey through 2024 and reorientate towards their goals and hopes for the next part of the year. Whether that is deciding to set aside $10 to save or pay off a debt, pausing to look back at the year encourages a reset or realignment towards what God has called us to.
“If you know that there is trouble, call out to the Lord and He will give you practical things to help you in your financial journey,” encourages Reb.
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go toCultivating Trust here! Or www.morethanenoughbooks.ca.
To find the blog about SMART and SMARTER goals, go here: https://morethanenough.ca/2024/03/31/smart-and-smarter-the-acronyms-to-reach-your-financial-goals/
The post Halfway There!—Getting SMARTER first appeared on More Than Enough.
Everyone has different financial goals and rules in their financial journey. Dave and Reb are joined by Rev. Ray Borg on episode #384 of “Let’s Talk Money with Dave and Reb” to discuss the importance of identifying the financial game you are playing and how it aligns with those around you. Being in financial alignment with your community and your partner and deciding on a financial ‘game’ strategy will help safely and effectively navigate the environment.
“An important piece is having an ongoing conversation that never closes the discussion but allows for the ongoing processing and shifting of a decision”, says Ray.
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go toCultivating Trust here! Or www.morethanenoughbooks.ca.
To learn more about Rebecca Sutherns quoted in today’s podcast please visit https://rebeccasutherns.com/. To hear previous podcasts with Rebecca on “Let’s Talk Money with Dave and Reb” go here: https://morethanenough.ca/2022/07/30/gods-faithfulness-in-finance-with-dr-rebecca-sutherns/
Adapting to Change with Dr. Rebecca Sutherns
The post What Game Are You Playing? with Rev. Ray Borg first appeared on More Than Enough.
Living paycheque to paycheque has often been spoken of as something shameful, but is it really that bad? Reb and Dave redefine what it means to live paycheque to paycheque on episode #383 of “Let’s Talk Money with Dave and Reb”. By managing your paycheque, you can identify the leaks in your financial boat that you might be unaware are happening and become more aware of your financial journey.
“Sometimes managing your paycheque requires going week by week to tell your money where to go,” explains Reb. “There are seasons of lack where you have to go to the Lord every week to ask for help in managing the resources you have.”
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go toCultivating Trust here! Or www.morethanenoughbooks.ca.
The post Managing Money from Paycheque to Paycheque with Dave and Reb first appeared on More Than Enough.
Do you have concerns about mortgages and the changing interest rates in Canada? On episode #382 of “Let’s Talk Money with Dave and Reb”, Dave comes on the show to answer your burning questions about mortgages, the impact of changing mortgage rates, and what that means for your mortgage purchase or renewal.
“Most noticeably, what the changing interest rate impacts is the psyche of the buyers.” says Dave as he looks at the future of the mortgage and real estate market.
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go toCultivating Trust here! Or www.morethanenoughbooks.ca.
The post Dave Answers Your Mortgage Questions! first appeared on More Than Enough.
In light of the Canadian governments release of the 2024 budget titled, “Fairness for Every Generation”, what should Canadians really expect? Dave and Reb explore the responsibility of individuals and communities in episode #381 of “Let’s Talk Money with Dave and Reb”. Instead of focusing on comparison and diving into what the particulars of the shifting budget, Dave and Reb encourage listeners to see where they can create a plan to be accountable in community with one another and trusting God with what is available.
In light of the government’s commitment to providing a financially fair Canada, Rebecca asks listeners, “Is the goal as Christ followers to live a secure, fair, middle-class life?”.
Tune in and listen to their conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose as the Crosspoint asset management and financial planning team helps you achieve your goals and dreams across all facets of life. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor.
To find the resources mentioned on today’s show go to https://learninghub.prospercanada.org/. To find the benefits wayfinder and learn more about benefits available for you, go to https://benefitswayfinder.org/. To read more information about the Canadian government’s “fairness for everyone” announcement earlier this spring, link here.
To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go toCultivating Trust here! Or www.morethanenoughbooks.ca.
The post Our Role to Play first appeared on More Than Enough.
How do we take ownership of our story and rejoice in what we have when shame becomes attached to our identity and tells us to hide? On episode #380 of “Let’s Talk Money with Dave and Reb”, psychotherapist Amanda van Noppen addresses the limiting behavior that comes out of shame and how your brain’s response to shame impacts your financial story. Tune in and listen as Amanda coaches Dave and Reb through tools to identify and prevent shame from controlling and influencing their behavior.
“Shame says hide me away, keep me quiet, make me small,” reflects Amanda. “Shame becomes an identity and then we feel like we have to hide our mistakes.”
This episode is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose as the Crosspoint asset management and financial planning team helps you achieve your goals and dreams across all facets of life. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor.
To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go toCultivating Trust here! Or www.morethanenoughbooks.ca.
To learn more about Amanda, go to https://vannoppentherapy.com/ Or on instagram: vannoppenpsychotherapy
NOTE: Make sure you check out our bonus feature with Amanda on our YouTube Channel—Let’s Talk Money with Dave and Reb”. https://www.youtube.com/watch?v=4o-rTxS23xk
The post Released from Shame with Amanda van Noppen first appeared on More Than Enough.
By Hope Van Noppen, with Amanda Van Noppen
| “I define shame as the intensely painful feeling or experience of believing that we are flawed and therefore unworthy of love and belonging—something we’ve experienced, done, or failed to do makes us unworthy of connection.”Brené Brown |
“How can you fix this mistake when the mistake is you?” This is the thing that shame whispers, or rather yells quite loudly, in my head as I stand facing the consequences of my mistakes. Even the choices of others can spark feelings of shame within me. Either way it brings a cycle of feelings I don’t always know how to deal with.
There is no denying that sometimes I’m the one at fault, but instead of acknowledging my own role, I freeze and deny everything. Shame paralyzes. It also feels like I have no choice but to hide from others or at least cover up my actions. Over and over I do this, but why?
This experience is quite common, especially when trying to face your financial spending. Shame is a scary emotion that can be produced when we do something we feel guilty about or when someone around us does something to us that feels bad. At its core, shame says, “if someone knew this they would no longer want to be with me, know me, or love me.”
Financially-related shame shows up in all kinds of ways. Maybe we grew up in poverty and our embarrassment of where we lived kept us from having friends over. Maybe we overspent our budget and felt like we had to lie to our spouse to cover it up. There are all kinds of scenarios that keep us in shame’s grip. Whatever the reason, shame acts the same in finances as it does anywhere else. It tells you to hide, run, flee. Don’t let anyone know.
There is no denying the desire to hide and melt away when faced with shame. The question is: how do we become accountable for our behavior when we have made a mistake or when our life circumstances feel so shameful we want to hide our life from others? Thankfully, there are action steps to pull you out of these shame cycles!
Five Steps to Facing Shame
- Name the Shame
- Notice when you are experiencing shame over a decision and name it, even saying it out loud. If you can, try to identify how the emotion feels for you and what might be triggering it.
- Depersonalize the Shame
- Imagine taking the shame out of your body and looking at it. Make the shame separate from your identity. This means changing wording from “I am the mistake” to “I made a mistake”.
- Reinterpret the Shame
- Meet the shame with empathy, and do not try to hide it away or ignore it. Facing shame is not easy, so acknowledge the effort you’re taking to do this.
- Talk about the Shame
- Find someone who feels safe and can meet you with empathy as you talk about what you have done. Empathy is an important part of facing shame. According to Brené Brown, “Empathy, the most powerful tool of compassion, is an emotional skill set that allows us to understand what someone is experiencing and to reflect back that understanding.”
- Take Action
- Make a plan. Is there a time or a place that you need to create for these conversations around shame? How will you move forward now with the mistake? What plans can you make to prevent making the same mistakes over again? If you feel shame about your current life, what areas of stigma need to be explored?
While facing shame can be frightening at first, it provides an opportunity to identify where your emotional needs aren’t being met and alerts you to areas of your life that are preventing you from facing your financial story. A great, safe place for this conversation can be a friend, partner, or family member. Your financial date may just be the place to start!
Hope van Noppen is Dave and Reb’s 20-something daughter who is helping Reb with writing and radio work this spring!
Psychotherapist Amanda Van Noppen spoke about freedom from shame on “Let’s Talk Money with Dave and Reb”, episode #378. To hear the full podcast, visit https://www.youtube.com/watch?v=FGnta6tXRdo or listen to the episode wherever you get your podcasts.
- Brown, Brené. Atlas of the Heart: Mapping Meaningful Connection and the Language of Human Experience. (New York: Penguin Random House, 2021). 120.
The post Putting an End to the Financial Shame Cycle first appeared on More Than Enough.
Exciting announcements as Dave and Reb share the launch of a new program from More Than Enough, 16 years in the making! Ray Borg joins Dave and Reb on episode #379 of “Let’s Talk Money with Dave and Reb” to ask questions about the inspiration behind their new self-learning E-FiT program that touches on all the foundational building blocks of More Than Enoughs’ coaching identity.
“The DNA of the E-FiT program is creating foundational pieces around what is needed to get started and take that first step toward financial freedom,” says Dave.
Tune in to hear more about this new program and listen to their conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose as the Crosspoint asset management and financial planning team helps you achieve your goals and dreams across all facets of life. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor.
To register for E-FiT, please call the More Than Enough office at 613-520-4157 or send an email to info@morethanenough.ca.
To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post E-FiT launching at MTE with Ray Borg first appeared on More Than Enough.
Dave and Reb are joined by Brent Vandermeer on episode #378 of “Let’s Talk Money with Dave and Reb” to continue the conversation on the heart issues of money around investing and answer practical questions about how to invest. Brent tells his story of becoming an investor to teach practical tips around investing in real estate and creating an investment portfolio to generate good returns.
“You need to decide for yourself what phase of life you are in and what options will be the best for you,” Brent encourages. “Investigate to see what will work best for your current financial situation.”
Tune in and listen to their conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose as the Crosspoint asset management and financial planning team helps you achieve your goals and dreams across all facets of life. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor.
To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post A Journey in Investing first appeared on More Than Enough.
With the changing interest rates and excitement of investing, Dave and Reb welcome Brent Vandermeer to look at the purpose behind investing and how it connects to the heart issues of money. On episode #377 of “Let’s Talk Money with Dave and Reb”, Brent reminds listeners that there is an intimate connection between interest rates and inflation and explains the importance of understanding that relationship to find purpose for their money.
“We didn’t prepare, we consumed,” noticed Brent as interest rates dropped. “With every consumption, you have to ask ‘is this something that I’m supposed to be doing?’”
Tune in and listen to their conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose as the Crosspoint asset management and financial planning team helps you achieve your goals and dreams across all facets of life. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post Generating Income for a Purpose with Brent Vandermeer first appeared on More Than Enough.
How do you leave a financial legacy that doesn’t wreck your kids? Dave and Reb welcome Tim Jenkins to the show to talk about the importance of generational financial education and training and the long term impact it can have on families. Episode #376 of “Let’s Talk Money with Dave and Reb” wakes up listeners to the type of financial legacy they are leaving their children and grandchildren.
“It’s not a silo of individuals,” says Dave. “It’s about what we do with the resources we have but also our responsibility before the lord to our families and future generations.”
To hear more of today’s conversation, tune in to this show sponsored by Trinity Family Wealth Advisors, an integrated team of experts, helping you manage wealth, while preparing your legacy and blessing others for generations. To connect with Tim go to https://trinityfamilywealth.ca/ and he will help you gain clarity, contentment, and freedom on your family’s journey. To read blogs related to today’s show, go here and here. You can find another article here as well.
To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post The Gift of Struggle with Tim Jenkins first appeared on More Than Enough.
Dave and Reb catch up with listeners as they spend time in Isaiah 40 and create a space to receive encouragement from God. Episode #375 of “Let’s Talk Money with Dave and Reb” reminds listeners that the flow and current of money, as with water currents, requires readjusting and readapting to the specific circumstances that people are dealing with. Finding the right tool to contain and manage provision is an important step in becoming financially responsible.
“Provision is God’s domain and when He pours into our life we need a mechanism, a vessel to hold the outpouring of his provision,” David says.
To hear more of today’s conversation, tune in to this show sponsored by Trinity Family Wealth Advisors, an integrated team of experts, helping you manage wealth, while preparing your legacy and blessing others for generations. To connect with Tim go to https://trinityfamilywealth.ca/ and he will help you gain clarity, contentment, and freedom on your family’s journey.
To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post The Flow of Money first appeared on More Than Enough.
While money and numbers may be black and white, the story behind the money is often a lot more complicated than it looks at first glance. In episode #374 of “Let’s Talk Money with Dave and Reb”, Dave and Reb look at the story money tells us and the disillusionment that comes when you really look at what your money is saying. Does the story we tell ourselves align with the reality of our financial situation?
“We get to an intersection in life and all of a sudden the path diverges in life. You go through the disillusion, grieving stage and then wonder, what narrative have I been believing? What is the story that God wants to write in my life and my financial journey? If you cling to the old idea, you can never move forward.” – Reb
This episode is sponsored by More Than Enough Financial—a financial coaching, tax, and mortgage company empowering people to find hope and freedom as they effectively manage their finances one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office.
The post The Story We Tell Ourselves first appeared on More Than Enough.
Dave and Reb are joined by Gwen Stokes on episode #373 of “Let’s Talk Money with Dave and Reb” to hear about Gwen’s journey in financial coaching with More Than Enough. By focusing on the practical tools in cash-flow coaching and the exploration into the heart issues surrounding her money story, Gwen encourages others by sharing how she recommitted her financial journey to Christ.
“When you get in the position where you feel so overwhelmed with your finances, having someone to set your feet on solid ground becomes an amazing journey,” says Gwen Stokes.
This episode is sponsored by More Than Enough Financial—a financial coaching, tax, and mortgage company empowering people to find hope and freedom as they effectively manage their finances one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office.
The post Coaching Freedom with Gwen Stokes first appeared on More Than Enough.
If you need a concrete tool to help you fulfil financial goals, the SMART and SMARTER acronyms may just be what you need!
A goal is a dream with a deadline.
Napoleon Hill
Some of you may have heard of the “S.M.A.R.T. way to write management’s goals and objectives” developed in the early 80s by George T. Doran It is a system that has helped business people and managers set short-term and long-term goals and objectives in very concrete ways. While Doran gets full credit for this acronym, David has adapted it for our coaching clients. Having specific, measurable, achievable, relevant, and time-based goals in personal finance is extremely helpful and provides an environment for financial success. Writing down this acronym and detailing your objective is also essential, as is hanging it in a prominent place in your home as a reminder.
Specific—Drill down to make your goal as specific as you can.
Measurable—Keep asking quantifiable questions to measure progress. How much time? How much growth? This is about tracking with benchmarks.
Achievable—Is the goal achievable?
Relevant—Does it line up with the values and direction of where your “financial compass” is pointing? Does it move you closer to where you want to be or is this a detour?
Time based—Set a specific time frame to evaluate your progress.
Evaluate—Is this objective relevant? What changes, if any, need to be made as you progress through the process? Where are the victories, challenges, or changes I see?
Reward and Repeat—Pause and celebrate the achieved goal. Review the steps you have taken to get where you are, knowing that you will start all over again with another SMARTER goal to achieve.
| Here is an example:S—I will build an emergency cushion of $1000 within three months.M—I will put $350 each month into a separate emergency cushion account from my paycheque, from second-hand items I sell, and from working an extra shift each month for three months. A—$350 saved each month means a total of $1050 after three months. R— This is an important facet of my journey toward financial wellbeing. Instead of using credit for emergencies, I now have this cushion that helps break the cycle of debt accumulation due to unexpected emergencies.T—I will do this in the next three months. March 31 is my deadline.E—There are some questions to consider:Will I be able to get the extra shifts I need? Will I be able to sell the second-hand items to generate the extra income needed to build the cushion? Will I be able to reduce my current spending to free up extra cash flow?R—I will call a friend and take her for coffee when my emergency cushion reaches $1000.According to the Financial Fitness Seminar I attended at More Than Enough, the next goal is to create the debt payoff strategy using the money that funded the emergency cushion. I will reach out to my coach to help create the strategy. |
Note: It is important for you to realise that if you have a larger financial goal in view, you may need to accomplish smaller goals first as part of the process of reaching the larger goal. It might be helpful to pursue a step-by-step strategy in which you focus on those initial steps as goals within the bigger objective. For instance, in the above example, you may need to create a SMARTER goal strategy in setting up an account for your emergency cushion before you do the work of saving the $1000 over three months.
The post SMART and SMARTER: The Acronyms to Reach Your Financial Goals first appeared on More Than Enough.
Dave and Reb explore the practical and heart issues surrounding walking with God daily in seasons of need. On episode #372 of “Let’s Talk Money with Dave and Reb”, they challenge listeners to not only turn to God for direction on their daily needs, but also question how that direction aligns with God’s will and His way. Whether it’s manna in the desert or a mortgage payment, Dave and Reb encourage listeners to see that God has a plan.
“It requires allowing God to speak to your heart about the practical daily bread, but also allowing the Word to speak to you individually about how to do the Lord’s will and His way,” says Dave.
Tune in and listen to their conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose as the Crosspoint asset management and financial planning team helps you achieve your goals and dreams across all facets of life. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post Give Us This Day Our Daily Bread first appeared on More Than Enough.
What do nurture and obedience have in common, and what do they have to do with money? On episode # 371 of “Let’s Talk Money with Dave and Reb”, Rev. Ray Borg shares a story of persevering obedience when a journey of financial giving turned into more than he expected. Following God’s directive became a marker point that led Him to grow in financial awareness and the need to nurture God’s word as a seed in His life.
“I realized through the process that I did hear from the Lord, and I needed to be obedient even if the outcome wasn’t clear,” Ray says. “Creating space to nurture God’s word in my heart and emotions is very important so that His word settles in. It is then I can take it to heart and be obedient.”
Tune in to hear Ray’s journey. This episode is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose as the Crosspoint asset management and financial planning team helps you achieve your goals and dreams across all facets of life. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post The Marker Point of Obedience first appeared on More Than Enough.
It’s March break in many places across the country and people are either heading south or dreaming about it. On episode #370 of “Let’s Talk Money with Dave and Reb” the co-hosts talk about holiday planning that not only includes financial awareness, but God awareness. The old english word for holiday actually means ‘holy day’ and Dave and Reb encourage listeners to set apart time to not simply ‘vacate’ life, but to rest and take time with the Lord.
“Whether you take time away or stay close to home, resting and remembering God’s goodness is important for your life’s rhythms,” Reb says. “Intentional time for rejoicing and giving thanks can bring encouragement and hope at a time when so many of us are tired and weary.”
Of course, Dave and Reb talk about the money and the importance of saving for these intentional times of rest. Tune in and listen to their conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose as the Crosspoint asset management and financial planning team helps you achieve your goals and dreams across all facets of life. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post Intentional Holiday Planning first appeared on More Than Enough.
No matter how good at math or stewardship you think you are, there is always this certainty that your life brings uncertainty. As much as we’d like to plan for everything, we just can’t because we can’t fully know the future. On episode #369 of “Let’s Talk Money with Dave and Reb”, the co-hosts talk about the importance of verses found in Proverbs 3 that encourage God’s people to walk in common sense and discernment, especially in regards to the unknown. They help listeners think about how to apply common sense and discernment to daily financial management.
“When the pile seems so big, keep looking up,” Dave says. “Look up a little further than the pile in front of you.”
Proverbs 3 says:
My child, don’t lose sight of common sense and discernment.
Hang on to them,
for they will refresh your soul.
They are like jewels on a necklace.
They keep you safe on your way,
and your feet will not stumble.
You can go to bed without fear;
you will lie down and sleep soundly.
You need not be afraid of sudden disaster
or the destruction that comes upon the wicked,
for the Lord is your security.
He will keep your foot from being caught in a trap.
Proverbs 3:21-26 (NLT)
Tune in and listen to their conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose as the Crosspoint asset management and financial planning team helps you achieve your goals and dreams across all facets of life. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go towww.morethanenoughbooks.ca.
The post Hang On to Common Sense first appeared on More Than Enough.
Dave and Reb want to talk about money, and they want to help you face your debt issues head on! On episode #368 of “Let’s Talk Money with Dave and Reb” they want listeners to get real about financial debt by facing their own financial stories and making a plan. They revisit this much-talked about topic with help from Scripture verses like Psalm 37:21 and James 1:27. Understanding net equity and knowing where you stand at this time and season is also a helpful place to start.
“Remember that it is in debt we are putting ourselves in a position of being enslaved to someone else,” Dave says.
Recent statistics reveal a bleak outlook for Canadians with 45 per cent of Canadians being just about $200 away from meeting financial obligations.* However, Dave and Reb want to encourage people not to lose hope. Getting real about your financial situation is just the beginning of finding your way through.
Tune in and listen to their conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose as the Crosspoint asset management and financial planning team helps you achieve your goals and dreams across all facets of life. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
*https://thehub.ca/2024-01-30/mark-hill-the-cost-of-living-has-led-us-into-record-debt-what-does-that-mean-for-canadians/?utm_source=Prosper+Canada+Subscriptions+%5BAll%5D&utm_campaign=19ecd2b9a0-Media_Monitoring_January_8_COPY_01&utm_medium=email&utm_term=0_536ea6808f-19ecd2b9a0-209782524&mc_cid=19ecd2b9a0&mc_eid=e2030b7b95
The post Getting Real About Debt first appeared on More Than Enough.
How do you talk about money when the stresses and strains of life push you into spaces of overwhelm? How do you know when you are just too stressed to talk about money but you know you need to? On episode #367 of “Let’s Talk Money with Dave and Reb”, the co-hosts welcome Psychotherapist Amanda Van Noppen to talk about windows of tolerance and how to recognize when we get outside of those windows. Turning to flight, fight, or freeze options for coping, we can find ourselves unable to manage communication around money, or the sound financial practices we want to develop.
Tune in to the show for tips on how to get back into your tolerance windows so money conversations are helpful and hopeful. Some of Amanda’s tips include deep breathing, going for a walk, giving or receiving hugs and comfort, or finding the best ways for connection you enjoy.
This episode is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
To learn more about Amanda, go to https://vannoppentherapy.com/ Or on instagram: vannoppenpsychotherapy
The post Expanding Our Window of Tolerance with Amanda Van Noppen first appeared on More Than Enough.
Amanda Van Noppen
Registered Psychotherapist (Qualifying), MA, RP, CCC
(Amanda Van Noppen was a guest on “Let’s Talk Money with Dave and Reb” episode #367. She graciously added more of her thoughts and tips here to help us stay in our windows of tolerance as we navigate our financial journeys.)
Money can make us feel insecure, bring up bad memories, and create anxiety and stress about the future. All of these might make us want to fight those around us, flee from the problem, or just numb out of the feelings.
The problem is, these tendencies can actually make money problems worse. Instead of solving the issue at hand or making a plan, we tend to avoid/procrastinate or increase conflict that can only make the stress worse.
Before we get there—staying within our window
The window of tolerance is a way to describe when we feel in control of ourselves and when we are not. Clinical Professor of Psychiatry Dan Siegel who created the term calls it the “optimal zone of ‘arousal’ for a person to function in everyday life”. When we are out of our window of tolerance we can feel out of control or impulsive and utilise the more survival side of our brain: fight, flight, or freeze. This might feel like getting angry at a drop of a hat or disconnecting from everything around us.
A lot of times money can create stress or anxiety that can make our window of tolerance disappear. Think about your own situation. Have you ever suddenly yelled at your partner when they bring up a bill? Or have you ever felt the need to watch hours of TV instead of looking at your credit card balance?
Fight. Flight. Freeze.
So what do we do when we feel our window of tolerance narrowing or disappearing all together? There are a few things we can think and do that are good for our minds and bodies. Try these the next time you feel yourself getting overwhelmed.
a) Build awareness and communicate to yourself and others! Sometimes just telling your spouse “hey, I’m at my window of tolerance, I’m sorry if I’m extra snappy today” can help a lot.
b) Practise calming your system. Here’s some tips that help with that:
- Take deep calm long breaths, aim for breathing from your stomach not your chest
- Take a cold or hot shower
- Make a cup of tea or drink some warm water
- Take a walk outside
- Engage in physical contact with your partner
- Stretch your body
- Make long eye contact with your partner (aim for 10 seconds)
- Turn the lights lower and loud sounds off, limiting interruptions
- Make sure you’ve eaten today
- Take a short nap
- Delegate tasks and ask for help
- Pet your pet
- Work out
- Put a weighted blanket—or just a heavy blanket—across your body
- Sing your favourite song
- Go outside and find the sun
- Stay off social media and don’t read the news
By practising these skills you will help calm your body and move it back into your optimal zone for making decisions and planning. The other thing you’ll do is actually expand your window of tolerance. Every time we face something stressful or anxiety provoking and we’re able to calm our body, it teaches our brain to be less scared or upset the next time. This is powerful when we think about how we want to avoid stressful situations, be able to face them, and have a sense of control.
(To learn more about Amanda, go to https://vannoppentherapy.com/ Or on instagram: vannoppenpsychotherapy)
The post Windows of Tolerance: Moving Beyond Flight, Fight, Freeze Behaviours in Our Finances first appeared on More Than Enough.
With so much information bombarding us daily, we can use all kinds of financial markers to determine whether or not we are managing our finances well. On episode #366 of “Let’s Talk Money with Dave and Reb”, Rev. Ray Borg engages more conversation with the co-hosts about what these look like in our lives. Following the biblical principle of giving is one such marker.
“God expresses His love to us by giving us resources and we can ask ourselves ‘how are we using these resources for His glory?’” Rev. Borg says. “We can look at whether we are giving at all, and if we are, then where are we giving.”
Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post More Financial Reference Points with Rev. Ray Borg first appeared on More Than Enough.
Are you the type of person who drags your feet when it comes to tax preparation? On episode #365 of “Let’s Talk Money with Dave and Reb”, the co-hosts welcome back the More Than Enough Tax team to talk about hosting a Tax Prep Party. It’s an idea they generated to inspire people to add a bit of fun to the tax season and do it with community around you.
“Preparing is always a good idea because it can quickly turn into a messy financial situation if you remain unaware,” Reb says. “Having a party simply makes it more fun and enjoyable while you get the job done!”
To find a list of necessary tax items needed to file with the Canada Revenue Agency go to https://morethanenough.ca/taxes/.
Tune in to the show today sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post Welcome to Our Tax Prep Party first appeared on More Than Enough.
Financial housing experts say there are 2.2 million mortgages coming up for renewal in the next two years. On episode #364 of “Let’s Talk Money with Dave and Reb”, the co-hosts encourage listeners to face what is coming especially if they know their monthly mortgage payments are going to experience an increase.
Dave and Reb make a few suggestions on how to manage the upcoming renewals by encouraging listeners to increase how much they can pay right now, even if their renewal isn’t happening for a few months. They also suggest looking at any lifestyle changes that could save money and go towards the mortgage.
“Getting a clear picture of where you are financially, right now, is a great place to start,” Dave says. “This will help you manage the changes that are coming.”
Tune in to the show today sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post Mortgage Renewals Are Coming – Are You Ready? first appeared on More Than Enough.
Loud Budgeting. A new trend that influencer Lucas Battle named and voiced in a recent TikTok video has taken hold of people’s imaginations. (You can find it here: https://www.tiktok.com/@lukasbattle/video/7317757538676641066) Loud Budgeting is not about not having enough money, but about telling people “I don’t want to spend”. On “Let’s Talk Money with Dave and Reb” episode #363, the co-hosts dig into this new idea as a form of pushing back against the tide of consumerism and debt.
“There is a message from some media sources that leaves people feeling there is nothing they can do about the economic reality they are facing with strained finances,” Dave says. “That is simply not true, and Loud Budgeting takes a stand and says ‘let’s do something about it!’”
Tune in to today’s show sponsored by Financial Planner Joanne Jehu. Joanne helps clients with financial planning, money management, investments, retirement planning and preparation, as well as areas of risk management including insurance protection. To connect with Joanne and find out more information, go to https://joannejehu.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post Loud Budgeting Pushback first appeared on More Than Enough.
What are your financial reference points in 2024? Dave and Reb begin a discussion with Rev. Ray Borg from Financial Discipleship Canada about what we use as marker or reference points in determining our financial and spiritual successes. On episode #362 of “Let’s Talk Money with Dave and Reb” they talk about the differences between blessing and privilege and how our perceptions of God and our financial behaviour have a direct impact on our attitudes around God, ourselves, and money.
“Sometimes we can be so focused on building our own comforts we don’t see that we are creating false narratives around money,” Dave says. “We need to be careful that we don’t equate what we think is good financial behaviour with blessing from God.”
Tune in to today’s show sponsored by Financial Planner Joanne Jehu. Joanne helps clients with financial planning, money management, investments, retirement planning and preparation, as well as areas of risk management including insurance protection. To connect with Joanne and find out more information, go to https://joannejehu.ca/.
To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post Marker Points for 2024 with Rev. Ray Borg first appeared on More Than Enough.
Where do we go to find this hope and freedom? Where are we putting our hope that freedom will come? Can it really be called hope and freedom if the source is not God Creator, Jesus Redeemer, and Holy Spirit Guide? Where do we put our trust? Where are we looking? What or whom are we seeking? Is it possible to have genuine experiences of hope where we know our trust in God’s personhood, role as Father, and love as Creator is greater than our greatest financial pit?
We are going to discover all of these answers together.
I realise, some of you may be low on hope, as well as on financial freedom. Perhaps you have been watching and waiting for change but haven’t quite known what you are watching and waiting for. Perhaps poor financial habits have kept you from hope and freedom, and you feel at the end of your rope in both areas.
It is my “hope” that you will be awakened to the possibility of financial freedom and truly understand that God is not mean, disrespectful, or uncharitable. He is good, loving, and kind. He wants to lead you, guide you, and walk this journey with you.
So, just as I waited and watched for Hope to come, you too can watch and wait for God’s answers to come on your own spiritual and financial journeys. Watching and waiting—hoping—doesn’t mean you sit on your hands and do nothing. By no means! There is much to do in getting our financial houses in order and aligned with Christ. But this is all about working, discovering, and waiting together with Christ. This journey is about both the practical and the heart issues around money.
I want to leave you with these words from the late Eugene Peterson who writes about Psalm 130, and the hope we have as we watch and wait for God, like watchmen waiting for the morning.
Hoping does not mean doing nothing. It is not fatalistic resignation. It means going about our assigned tasks, confident that God will provide the meaning and the conclusions. It is not compelled to work away at keeping up appearances with a bogus spirituality. It is the opposite of desperate and panicky manipulations, of scurrying and worrying.
And hoping is not dreaming. It is not spinning an illusion or fantasy to protect us from our boredom or our pain. It means a confident, alert expectation that God will do what He said He will do. It is imagination put in the harness of faith. It is a willingness to let God do it His way and in His time.1
If you are willing to hope again, and enter a journey of trust and freedom, turn the page, because there is so much more to come.
| Freedom for Love’s SakeYou, my brothers and sisters, were called to be free. But do not use your freedom to indulge the flesh; rather, serve one another humbly in love.Galatians 5:13 NIVFreedom to serve and to love others. The Apostle Paul reminds God’s people of the purpose of freedom. It is a calling. It is a grace given. It is not to be used to serve self, but to love others well. Perhaps it is time to think about financial freedom in the same light. Don’t use your financial freedom for selfish gain but rather serve one another humbly in love. Can you imagine the possibilities? Can you imagine the impossibilities? Dare we even say the words out loud because of what it would mean for our lives and finances, for our own ambitions? My mind is exploding with wonder and conviction. I don’t always live like this. I often think of how I can use my finances for my own gain, not for the betterment of my neighbour or my community. God help me. God help us. What does love look like when I use my financial freedom to serve others in love?I am free to love as I am set free from anxiety and worry around money.I am free to love using the tool of money because the money I manage is not mine to begin with. I am free to give without expecting anything in return because my focus is on loving God and on loving others in the same way Jesus did.I am free to give and serve in love because I trust God with the outcomes of this giving. I know my own needs are being met. I am free to serve others humbly with the resources I have and I don’t need anyone to know.How about you? Financial freedom as a means to serve others is very personal and manifests in different ways depending on personality, age, ability, community involvement, and many other factors. Here is what I recommend: take this verse and this question into your time with God and ask Him what this could look like in your life. What does love look like when you use your financial freedom to serve others in love? Write it out. Choose one practical idea from your list and commit to carrying it out. Ask God for the joy, trust, and confidence to do it. Then, stand back and be amazed by where financial freedom in Christ’s love will lead you. |
1Peterson, Eugene. A Long Obedience in the Same Direction: Discipleship In An Instant Society. (Illinois: Intervarsity Press, 2021). 138.
The post The Source of Hope and Freedom first appeared on More Than Enough.
The More Than Enough tax team joins Dave and Reb on episode #361 of “Let’s Talk Money with Dave and Reb”. As the tax preparation season quickly approaches, the special guests talk about both the spiritual and practical details that listeners can consider. They discuss the importance of preparedness, follow-through, and taking ownership and responsibility for tax compliance.
Listen to the end of the show to hear their crazy idea that might just help you get your taxes done!
Today’s show is sponsored by Financial Planner Joanne Jehu. Joanne helps clients with financial planning, money management, investments, retirement planning and preparation, as well as areas of risk management including insurance protection. To connect with Joanne and find out more information, go to https://joannejehu.ca/.
To find a list of necessary tax items needed to file with the Canada Revenue Agency go to https://morethanenough.ca/taxes/.
To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post Tax Talk with More Than Enough first appeared on More Than Enough.
Hope is a projection of the imagination; so is despair. Despair all too readily embraces the ills it foresees; hope is an energy and arouses the mind to explore every possibility to combat them…In response to hope the imagination is aroused to picture every possible issue, to try every door, to fit together even the most heterogeneous pieces in the puzzle. After the solution has been found it is difficult to recall the steps taken—so many of them are just below the level of consciousness.
Thornton Wilder, American playwright and novelist
The price of freedom is eternal vigilance.
It is the common fate of the indolent to see their rights become a prey to the active. The condition upon which God hath given liberty to man is eternal vigilance; which condition if he break, servitude is at once the consequence of his crime and the punishment of his guilt.
John Philpot Curran, Irish orator, lawyer and politician
We who have run for our very lives to God have every reason to grab the promised hope with both hands and never let go. It’s an unbreakable spiritual lifeline, reaching past all appearances right to the very presence of God where Jesus, running on ahead of us, has taken up his permanent post as high priest for us, in the order of Melchizedek.
Hebrews 6:19-20 MSG
On a warm April day in 2002, a beautiful baby girl came into our lives. Hope Chloe was the answer to prayers, a gracious gift, and our longed-for child. She was our pudgy, giggly ball of warmth and love, wrapped in a miraculous gift following a season of sorrows. After two miscarriages and my brother’s sudden death only five weeks before my due date, I was looking for something better to come. We knew we would name her Hope. What we lost now seemed wrapped up in the expectation of this new life. If she came as we “hoped” she would, we wanted her to know she was the fulfilment of that longing. However, during my nine months of carrying her, I honestly doubted she would come. With days and months passing, my morning sickness grew into a burgeoning belly. Even though it was evident to all that a baby was to come, a small part of me wondered if it were really true. There was nothing physically wrong to cause me concern, but I was still carrying the scars of the previous losses. Should I hope that life would once again come into our lives? It wasn’t until I held Hope in my arms that I truly believed: love and hope had come in the form of this beautiful, bright, tiny person.
Hope. The four letter word that holds so much expectation. It bears the weight of people’s longings for something better to come. So small a word to carry so many things.
At More Than Enough (MTE), this word “hope” carries what drives our work, our purpose, and our calling. It also holds hands with another word we love—“freedom”. These two words help us express what we believe and what we do in our financial coaching company in bringing “hope for today and freedom for tomorrow”. This hope and freedom is exactly what I long for you to receive from working through this video series.
What are they?
Hope and freedom are two abstract nouns that represent what we long to live out in our practical, deep-breathing lives. Hope is to trust in, to wait for, to look for. Hope desires with expectancy something or someone that is yet to come. In God’s love, we have hope in all things (see 1 Corinthians 13:7 NKJV). In our finances, we hope that a brighter dawn will rise and we will have enough to pay the bills, save for our future, and live like our culture promises. We “hope” it will lead to freedom—a financial freedom that means we can live and give without hindrance or burden of debt. Freedom is not about the amount of money or stuff we accumulate but learning how to live with the resources we have been given to fulfil purposes, goals, and dreams. Financial freedom isn’t always about the money; it’s also about understanding what has a hold of our hearts—and what doesn’t.
Financial freedom is more than just having adequate material possessions and accumulating wealth. Yet, that is the world’s message. The world’s financial freedom is linked to a life without boundaries and consequences: do what you want, when you want, how you want. This kind of freedom has led many of us into debt as we desire to have what we want and have it now. Is this really what financial freedom means? Perhaps, freedom is simply being out of debt. You can still do what you want, when you want, but do it within the margin of your income.
When we consider financial freedom in light of our discipleship to Jesus, however, financial freedom takes on different hues of meaning that truly unleash us from serving the world, the money, and the financial economies that drive it. Within this financial freedom, we discover the faithfulness and trustworthiness of God. As we see Jesus trust His Father, so we learn to do the same thing, not just for our salvation but for the details of our daily financial lives. Though the world tells us to live without boundaries, Jesus gives us healthy guidelines for living that outline what truly is important. Many of these boundaries we find in Scripture where God encourages us to give to the poor, the lonely, the widow, to flee from debt, and to trust Him for daily provision. As we follow Jesus, and live according to His Way, our financial freedom journeys become a place of joy and contentment no matter if we have much material wealth or little. As sheep following a shepherd into the safe, gated, and fenced pastures of provision, we follow Jesus daily so we too can live, give, and save for the future as He sees fit. Financial freedom is daily manifested in trusting God.
| Financial Freedom means you are secure in the knowledge that there is ample provision to live the life you are called to live, as you discover God is the Source of all you own. It means you can live, give, and move without the hindrance or burden of debt, or other financial restraints and behaviours defined by the world’s values and economies. In Christ, we joyfully accept the boundaries of what we earn, where we live, and His daily unfolding plan for our lives, including the financial plan. It isn’t about fulfilling the lust of the flesh, the lust of the eyes, and the pride of life, but learning to align with what God says is important. To be free is to be apprenticed to Christ in thought, word, and deed, and to discover the truths found in living intimately with our Heavenly Father. |
The post Hope and Freedom first appeared on More Than Enough.
There is financial hope and freedom for Canadians to discover in 2024 and on episode #360 of “Let’s Talk Money with Dave and Reb” the co-hosts encourage listeners with the possibilities as they put sound financial habits into practice. Hope and freedom can even come before all debts are paid off because of renewed thinking and behaviour around money. To receive encouragement for the year ahead, tune in to today’s show which is sponsored by Financial Planner Joanne Jehu. Joanne helps clients with financial planning, money management, investments, retirement planning and preparation, as well as areas of risk management including insurance protection. To connect with Joanne and find out more information, go to https://joannejehu.ca/.
Here is a quote from today’s show from the late pastor and author Eugene Peterson who writes about Psalm 130 and the hope we have as we watch and wait for God, like watchmen waiting for the morning.
Hoping does not mean doing nothing. It is not fatalistic resignation. It means going about our assigned tasks, confident that God will provide the meaning and the conclusions. It is not compelled to work away at keeping up appearances with a bogus spirituality. It is the opposite of desperate and panicky manipulations, of scurrying and worrying.
And hoping is not dreaming. It is not spinning an illusion or fantasy to protect us from our boredom or our pain. It means a confident, alert expectation that God will do what He said He will do. It is imagination put in the harness of faith. It is a willingness to let God do it His way and in His time.*
To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
Peterson, Eugene. A Long Obedience in the Same Direction.* (Illinois: Intervarsity Press, 2021). 138.
The post Hope and Freedom for the New Year first appeared on More Than Enough.
As 2023 comes to an end, Dave shares his process of slowing down after the intensity of the Ottawa real estate market through the pandemic years. On episode #359 of “Let’s Talk Money with Dave and Reb”, the co-hosts tell listeners about their experiences and the rhythms of this past season of their lives, as well as how important it is to follow God’s leading, especially through changing financial seasons.
“Understanding what we need for the season we find ourselves in is so important,” Dave says. “Are we preparing the fields, planting, harvesting, or taking a rest? In my case, I have been coming down from some busy years of both planting and harvesting and I am learning how to recuperate and rest with God in His presence even while continuing to run the business.”
Dave and Reb also share their favourite podcast episodes of 2023 on this episode, and you don’t want to miss that! So tune in and listen to this show which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post Year-end Reflections first appeared on More Than Enough.
God is with us. This is the Christmas message Dave and Reb explore on episode #358 of “Let’s Talk Money with Dave and Reb”. While many of us struggle with stumped hopes at this time of year, listeners are encouraged to remember that the seed of God came at a time of great challenge and despair. Jesus came as a branch of hope.
They remind all of us that we can walk in His peace and contentment as we know He is with us, release our anxiety to Him, and then turn our hearts to thanksgiving.
“How does Jesus’ hope for us translate into our finances?” Reb asks. “It starts with knowing He is near.”
Listen to today’s episode sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
You can access the bookThe Advent Overture: Meditations and Poems for the Christmas Season
that Dave and Reb mention on today’s show by going here: https://www.amazon.ca/Advent-Overture-Meditations-Christmas-Season/dp/1973610124
The post The Hope of Christmas first appeared on More Than Enough.
Not too many people like to think about tax season during the month of December, but on episode #357 Dave and Reb gently get listeners thinking about CRA and tax time by introducing the More Than Enough tax team. Stephen Tibben, Destiny Johnson, and Bron Vasic share their thoughts on “Let’s Talk Money with Dave and Reb” about their love for numbers and for people, and the need to have a trusted team to help navigate tax responsibilities.
“The map keeps changing but you have to keep doing what is needed and it is easy to miss things,” Bron says. “Having that trusted team is so important.”
Listen to today’s episode sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post Meet the MTE Tax Team! first appeared on More Than Enough.
How have our encounters with God impacted our wallets? This is the question that Dave and Reb dig into with Rev. Ray Borg from Financial Discipleship Canada on episode #356 of “Let’s Talk Money with Dave and Reb”. Together they look at the story of Jacob and his encounter with God found in Genesis 28, alongside the generous journey and gifts of the Magi that we celebrate during this Christmas season.
Jacob’s encounter with God at Bethel reminded Reb of Blaise Pascal’s prayer “Fire”. Out of Pascal’s encounter with God he gave His life wholeheartedly to God, and Reb says that these kinds of encounters fuel our desire to give to others.
FIRE. GOD of Abraham, GOD of Isaac, GOD of Jacob not of the philosophers and of the learned. Certitude. Certitude. Feeling. Joy. Peace. GOD of Jesus Christ. My God and your God. Your GOD will be my God. Forgetfulness of the world and of everything, except GOD. He is only found by the ways taught in the Gospel. Grandeur of the human soul. Righteous Father, the world has not known you, but I have known you. Joy, joy, joy, tears of joy.1
Listen to today’s episode sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
Today, Dave and Reb also mention their very first podcast recording from November, 2016. Lots of things have changed since then but if you are interested to re-listen you can find it here.
1 Fusselman, M. (2017). What Blaise Pascal Saw In A November Night Of Fire That Inaugurated A Year Of Grace. The Federalist. https://thefederalist.com/2017/11/23/blaise-pascal-saw-november-night-fire-inaugurated-year-grace/. Accessed December 2, 2023.
The post Giving by Fire and Faithfulness with Rev. Ray Borg first appeared on More Than Enough.
To hunker down means to get yourself comfortable in a place or situation and stay in that position for a while. On “Let’s Talk Money with Dave and Reb” episode #355, the co-hosts suggest re-thinking Christmas spending and making a plan so that you don’t take a year to pay it off. As they share the latest statistics on 2022 Christmas spending that is still seeing one quarter of Canadians paying off that debt a year later, they encourage listeners to hunker down into the plan and stick with it.
“Making a plan for spending brings clarity and helps you communicate with your family the importance of not going into debt this Christmas season,” Reb says.
To read the article mentioned in today’s show go to https://globalnews.ca/news/10087745/canadian-holiday-spending-debt/.
Listen to today’s episode sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post Hunkering Down for Christmas first appeared on More Than Enough.
It’s Black Friday and Dave and Reb aren’t talking shopping! On episode #354 of “Let’s Talk Money with Dave and Reb”, the co-hosts discuss the benefits and drawbacks of reverse mortgages. Started in the U.S. in 1961, today, this borrowing product continues to be an option for people who want to stay in their home as long as they can, or may not have the income to support their current mortgage.
Dave and Reb look at some of the specific criteria needed to obtain a reverse mortgage on today’s show which is sponsored by More Than Enough Financial—a financial coaching, tax, and mortgage company empowering people to find hope and freedom as they effectively manage their finances one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office.
The post Reverse Mortgages first appeared on More Than Enough.
Did you know that 49 per cent of Canadians have reported being the target of a recent fraud scheme? Today on episode #353 of “Let’s Talk Money with Dave and Reb”, the co-hosts discuss the issue to raise awareness about how prevalent they are. From identity theft and debit-credit card fraud, to online, door-to-door and phone scams, Canadians are being targeted.
“Fraud comes to us uninvited,” Dave says. “So, we need to learn and prepare ourselves as best we can so we keep ourselves from trouble.”
To learn more about fraud or to report a scam, go to the Canadian Anti-Fraud Centre at https://www.antifraudcentre-centreantifraude.ca/index-eng.htm or call 1-888-495-8501.
To read more about fraud schemes and a Canadian survey on fraud, go here: https://www.ctvnews.ca/business/nearly-half-of-canadians-targeted-by-fraud-in-first-half-of-2023-transunion-survey-1.6562507.
This show is sponsored by More Than Enough Financial—a financial coaching, tax, and mortgage company empowering people to find hope and freedom as they effectively manage their finances one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office.
The post Fraud Awareness first appeared on More Than Enough.
How much is enough? You might find yourself with some financial excess at the close of this year, and Dave and Reb, along with their guest financial planner Tim Jenkins, are encouraging listeners to look at their giving and generosity plan as Canadians head into the last stretch of 2023. Not only are they talking about giving generously of finances, but also time, talent, resources, and expertise.
“The important question is asking: ‘Heavenly Father, what do You want me to do with this money You have given me?’” Tim says. “The margin we have is not for us, but it is for giving to the growth of God’s Kingdom.”
Listen to episode #352 to learn more on this show sponsored by More Than Enough Financial—a financial coaching, tax, and mortgage company empowering people to find hope and freedom as they effectively manage their finances one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office. To connect with Tim go to https://trinityfamilywealth.ca/. To read the blogs related to the topics on today’s show, go to https://trinityfamilywealth.ca/blog-page/, and find this one at
https://trinityfamilywealth.ca/how-much-is-enough-2/.The post Year-End Generosity with Tim Jenkins first appeared on More Than Enough.
When it comes to taxes, planning, and the Canada Revenue Agency (CRA), there is a great need for understanding and awareness when it comes to end-of-life estate planning. So to help navigate how taxation affects Canadians after death, financial planner Tim Jenkins joins Dave and Reb on episode #351 of “Let’s Talk Money with Dave and Reb”. They uncover the issues and offer some alternatives to paying a potentially large tax bill.
One way to build awareness, even before death, is asking a tax specialist to create a “terminal tax return” so that individuals know an approximate number of how much CRA will take from the estate.
“It is important to crunch the numbers so that you are aware of the liability,” Tim Jenkins says.
Listen in to learn more on this show sponsored by More Than Enough Financial—a financial coaching, tax, and mortgage company empowering people to find hope and freedom as they effectively manage their finances one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office. To connect with Tim go to https://trinityfamilywealth.ca/. To read the blog related to the topic go to
https://trinityfamilywealth.ca/how-to-eliminate-cra-from-your-estate/.
The post How to Eliminate CRA from Your Estate with Tim Jenkins first appeared on More Than Enough.
“The currency of heaven is not a dollar bill, but human hearts.” And so friend and pastor Jon Ruby speaks to the solution of addiction in the second of a two-part series on “Let’s Talk Money with Dave and Reb”. On episode #350, the pastor of Ottawa’s Union City Church brings a message of challenge and hope discussing the critical issues around addiction and the not-so-simple solution of abandoning one’s life to Christ.
To read the Scripture verses from today’s show, go to Philippians 3:7-14. You won’t want to miss their conversation as they speak about the need for God to fuel our recovery and restoration in our daily hand-in-hand walk with Him.
You also don’t want to miss the invitation to work through the Ashes to Rubies life-giving course that you can access for free just because you have listened to this episode. For the link referenced in this two part series, go to https://ashestorubies.com/collections/courses/products/yearly and type in the code – freelifelabyearly123 – to receive your year’s free membership.
To access the LifeLab connect meeting (Ottawa) at 12pm on Wednesdays, use this zoom link: https://us02web.zoom.us/j/8197003777?pwd=bHZnUzRydTlCOUZiOUZzYWpiRHdJQT09
(Zoom: 819 700 3777, Password: 979797)
Listen to today’s episode sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post The Solution of Addiction, part 2 first appeared on More Than Enough.
On today’s episode #349 of “Let’s Talk Money with Dave and Reb”, friend and pastor Jon Ruby from Ottawa’s Union City Church, brings a message of hope to listeners as the co-hosts discuss issues of addiction and how it relates to the stressful financial climate many people are experiencing.
To read the Scripture verses from today’s show, go to Philippians 3:7-14. You won’t want to miss their conversation as they speak about the need for God to fuel our recovery and restoration in our daily hand-in-hand walk with Him.
You also don’t want to miss the invitation to work through the Ashes to Rubies life-giving course that you can access for free just because you have listened to this episode. For the link referenced in this two part series, go to https://ashestorubies.com/collections/courses/products/yearly and type in the code – freelifelabyearly123 – to receive your year’s free membership.
To access the LifeLab connect meeting (Ottawa) at 12pm on Wednesdays, use this zoom link: https://us02web.zoom.us/j/8197003777?pwd=bHZnUzRydTlCOUZiOUZzYWpiRHdJQT09
(Zoom: 819 700 3777, Password: 979797)
Listen to today’s episode sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post The Problem of Addiction, part 1 first appeared on More Than Enough.
Automate. Automate. Automate. Dave and Reb have an enlightening conversation on episode #348 of “Let’s Talk Money with Dave and Reb” as they look at automating payments for everything from taxes to retirement savings to paying down debt. Automating payments is a built in commitment according to Dave and is one way to keep yourself on track with financial responsibilities.
“If you don’t automate payments, the money in your account may get swallowed up by other needs or wants that arise,” Reb says. “But automation keeps us on the right path and helps us stay committed to our financial goals.”
Listen to today’s episode sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.
The post The Power of Automation first appeared on More Than Enough.
Happy Thanksgiving weekend from “Let’s Talk Money with Dave and Reb”! On episode #347, Rev. Ray Borg from Financial Discipleship Canada joins the co-hosts to talk about how financial giving releases a spirit of thanksgiving within ourselves and within the community we live in. Looking at 2 Corinthians 8 and 9, they discuss how believers in the early church gave sacrificially but with much joy.
“Our giving is really sowing back into the Kingdom of God,” Reb says. “As we are obedient in our giving, others will give thanks to the Lord for the faithfulness and provision God pours out through every one of us.”
Listen to today’s episode sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca. To read more from the article referenced today, go to https://www.ncfgiving.com/stories/it-is-god-who-enables-us-to-give/#:~:text=When%20Paul%20explains%20the%20Macedonian,able%20to%20do%20it%20again
The post Abounding in Thanksgiving first appeared on More Than Enough.
Cash stuffing, cash wallets, the envelope system. All three of these budgeting tool descriptions reflect the time-tested method of withdrawing cash, setting it aside in marked envelopes in different categories, and then only spending the money you’ve allocated for each. On episode #346 of Let’s Talk Money, Dave and Reb encourage listeners to put their credit cards on ice and get in touch with cash, by trying the cash stuffing method.
“Cash wallets and cash stuffing really mean the same thing,” Dave says. “Whatever you call it, it works for everyone because it is so tactile.”
However, the important thing to do before you start is determining in your heart and mind that you are going to stick to cash. In a society, where debt is the default position it is extremely important to commit to following through.
Recently, on CTV Ottawa morning, Dave was asked to talk about the importance of staying in touch with cash. To watch the interview go here: https://ottawa.ctvnews.ca/video?clipId=2754215
To watch Dave and Reb explain and demonstrate the financial date mentioned on today’s show, go here: https://youtu.be/fPeaxovLqvk and https://youtu.be/1BThYMXOICo.
Today’s show is sponsored by More Than Enough Financial—a financial coaching, tax, and mortgage company empowering people to find hope and freedom as they effectively manage their finances one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office.
The post Cash Stuffing with Determination first appeared on More Than Enough.
The Rule of 72 is Einstein’s simple shortcut to figure out how long it takes for an interest-compounded value to double. On episode #345 of “Let’s Talk Money with Dave and Reb”, the co-hosts talk about how the Rule of 72 affects debt, and how it can be a motivator for us to get out of debt.
“Debt is a burden, not a sin,” Dave reminds listeners. “Borrowing can limit our giving if it leads to debt as well, but staying away from debt provides us with more freedom. Understanding the interest we pay and how it compounds can be a great catalyst for change.”
Tune in to today’s show which is sponsored by More Than Enough Financial—a financial coaching, tax, and mortgage company empowering people to find hope and freedom as they effectively manage their finances one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office.
To read more about today’s topic, you can read this article by Patricia Mayo:
The Rule of 72 (or How To Easily Double Your Debt)
The post The Rule of 72 first appeared on More Than Enough.
How do we navigate the need to plan for the future without presuming on the future? What is the difference between the two? On episode #344 of “Let’s Talk Money with Dave and Reb”, the co-hosts tackle this subject looking at verses found in James 4 and Luke 12.
The rich man in Luke 12 tore down old barns and built bigger ones, but soon died. He built up his own treasure and Scripture specifically says that the same fate is inevitable for anyone who builds up their own treasure “but is not rich toward God”. So how does this story inform our own lives today? Dave says it is important to remember that the future is God’s domain and not ours.
“The presumption the rich man made was not in leveraging himself or going into debt, but in expecting that he would live long enough to enjoy it all,” Dave says.
Tune in to hear more of their conversation. Today’s show is sponsored by More Than Enough Financial—a financial coaching, tax, and mortgage company empowering people to find hope and freedom as they effectively manage their finances one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office.
The post Presuming on the Future first appeared on More Than Enough.
So what will it take for you to become rich? On episode #343 of “Let’s Talk Money with Dave and Reb”, the co-hosts dig into the topic of riches with Rev. Ray Borg from notmine.ca. Looking at the church of Laodicea in Revelation 3, they talk about the economic strength of the city in ancient times, and how its prosperity brought a false sense of security and well-being.
The gold, garments, and eye salve were goods that brought much prosperity to Laodicea. The church was likely experiencing that prosperity, and in the Revelation passage, Jesus is pointing out the blindness this is causing. As He did to the church then, so does He warn us and call to us today. He invites us to buy what is everlasting—gold refined in fire, His white garments, and the eye salve that comes from His hand.
Dave and Reb encourage listeners today to draw close to God to hear Him knocking at the door of their hearts and lives in these uncertain days. To hear more of their conversation tune in to this episode. Today’s show is sponsored by More Than Enough Financial—a financial coaching, tax, and mortgage company empowering people to find hope and freedom as they effectively manage their finances one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office.
The post Get Close to the Fire with Rev. Ray Borg first appeared on More Than Enough.
There is a lot of talk about financial resilience these days, so Dave and Reb join the conversation today on episode #342 of “Let’s Talk Money with Dave and Reb”. They also remind listeners to slow down, pay attention, and make a plan when it comes to everyday financial decisions. With school starting and fall and winter expenditures coming, making a plan and saving now will help build strong financial muscle.
“Slowing down involves taking a deep breath, reassessing your situation, and seeking counsel, and it needs to be an intentional part of your financial journey,” Reb says. “It is a healthy spiritual practice, but is also very important for your finances.”
To hear more of their conversation tune in to this episode. Today’s show is sponsored by More Than Enough Financial—a financial coaching, tax, and mortgage company empowering people to find hope and freedom as they effectively manage their finances one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office.
To learn more about the Financial Resilience Index, go to https://www.finresilienceinstitute.org/. To learn more about adaptability in changing times, listen to
Adapting to Change with Dr. Rebecca Sutherns
The post Slow Down and Plan Ahead first appeared on More Than Enough.
Episode #341 of “Let’s Talk Money with Dave and Reb”, is the second of a two part series with Ottawa financial advisor Brent Vandermeer. On both shows, they talk about the importance of making a plan—planning that’s wrapped around purpose—and how looking for a quick fix to build wealth is not the answer.
The post Investing with Brent Vandermeer first appeared on More Than Enough.
Episode #340 of “Let’s Talk Money with Dave and Reb”, is the first of a two part series with Ottawa financial advisor Brent Vandermeer. On both shows, they talk about the importance of making a plan—planning that’s wrapped around purpose—and how looking for a quick fix to build wealth is not the answer.
The post Saving on Purpose with Brent Vandermeer first appeared on More Than Enough.
Jesus taught us to pray: “give us this day our daily bread”. On today’s Let’s Talk Money with Dave and Reb, the co-hosts explore daily bread praying with guest Rev. Ray Borg.
The post Daily Bread Prayers with Rev. Ray Borg first appeared on More Than Enough.
On episode #338 of “Let’s Talk Money with Dave and Reb”, the co-hosts continue some of the themes from the previous show. They tackle a few more questions from More Than Enough (MTE) financial clients, but they also discuss the challenges of “financial advice giving”.
The post Dave Answers More of Your Questions! first appeared on More Than Enough.
On episode #337 of “Let’s Talk Money with Dave and Reb”, Reb throws client questions Dave’s way in an effort to create clarity around credit card points cards, the importance of life insurance, and mortgage related questions.
The post Dave Answers Your Questions! first appeared on More Than Enough.
Do you think God is interested in your comfort? What if He is not as interested as you are? On episode #336 of “Let’s Talk Money with Dave and Reb”, the co-hosts look at how pursuing ease and comfort can lead us into financial trouble. Always going after the comfortable life can be doing more harm than good, especially as it can feed a lack of motivation, purpose and meaning in our live
The post Embracing Financial Discomfort first appeared on More Than Enough.
Struggles and hardships can often be the birthplace of new and creative initiatives. On episode #335 of “Let’s Talk Money with Dave and Reb”, the co-hosts welcome Pat Dunn of the Senior Women Living Together (SWLT) network, as she shares the story of how her struggle to find a place to live, turned into something beyond what she imagined.
The post Senior Women Living Together with Pat Dunn first appeared on More Than Enough.
The Steward’s role of watching and waiting as a significant part of managing God’s resources.
The post The Steward’s Road of Blessing first appeared on More Than Enough.
Dave and Reb dig into the topic of hospitality with a special guest It’s almost Canada Day, and Dave and Reb continue the conversation with guest Tanya Prinsep as they uncover the beauty of hospitality, on episode #333 of “Let’s Talk Money with Dave and Reb.” They all agree that while the gift of hospitality […]
The post Hospitality 2.0 with Tanya Prinsep first appeared on More Than Enough.
How can hospitality direct your everyday decisions? On today's episode #332 of “Let’s Talk Money with Dave and Reb”, the co-hosts welcome friend and colleague Tanya Prinsep to share the story of how hospitality has shaped her life.
The post Hospitality 1.0 with Tanya Princep first appeared on More Than Enough.
Join guest Rev. Ray Borg on episode #331 of “Let’s Talk Money with Dave and Reb”, as they continue their discussion on what it means to live and seek the Kingdom of God, especially in your finances.
The post Receiving the Seed, Sowing the Seed with Rev. Ray Borg first appeared on More Than Enough.
Today’s show gives current testimony to the power of applying the tips and tools of the Financial Fitness Seminar. It only took one More Than Enough financial fitness seminar to bring Karen Ball hope and freedom in her finances. On episode #330 of “Let’s Talk Money with Dave and Reb”, Karen shares her five-year journey […]
The post Being in the Light with Karen Ball first appeared on More Than Enough.
Today’s show gives current testimony to the power of financial coaching.
What does financial coaching look like for young married couples? On episode #329 of “Let’s Talk Money with Dave and Reb”, the co-hosts speak with Emily and Caleb Gagnier who share about their More Than Enough financial coaching journey, both before they got married and after. Listen to hear how accountability, practical tools, and the one-on-one coaching relationship has been helping them build a strong financial and spiritual foundation with God.
Both Emily and Caleb say that coaching has helped them understand more fully that their money is God’s money, and how using money is a way to glorify God. With a coach as cheerleader, they have walked step-by-step in paying down debt, and continue to do so.
“It is so nice to be surrounded by people who encourage us,” Caleb says.
Tune in to hear their discussion sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and our discipleship to Christ. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go towww.morethanenoughbooks.com. To book a free coaching discovery session, email coaching@morethanenough.ca.
The post Let’s Talk Money with Emily and Caleb first appeared on More Than Enough.
Today’s show gives current testimony to the power of financial coaching.
If you love stories, Dave and Reb invite you to listen to today’s show. Andrew Galloway and Martha Santanilla are the featured guests today on episode #328 of “Let’s Talk Money with Dave and Reb” and share their journey of financial hope and freedom through coaching.
Both agree that coaching has helped them manage their daily cashflow, but has also helped them get over the shame hurdle that can come with money behaviours.
“Having a coach has been a game changer for us,” Andrew says. “The shame gets lifted because there is no judgement from our coach or the More Than Enough team.”
If you have ever wondered what More Than Enough financial coaching is all about, tune in to today’s episode which is sponsored by Stephen Francispillai—Francispillai Law, an Ottawa law firm specialising in real estate, as well as wills and power of attorneys. Go to https://fclawyers.ca/ for more information. To book your free coaching discovery session email coaching@morethanenough.ca. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.
The post Financial Hope and Freedom with Andrew and Martha first appeared on More Than Enough.
Financial Joy. Is that even possible? Rev. Ray Borg of notmine.ca and Financial Discipleship Canada joins Dave and Reb on episode #327 of “Let’s Talk Money with Dave and Reb” to explore the possibilities of finding joy in financial stewardship and obedience. This conversation is only the beginning of many, as they dig into what it means to find joy in finances—a joy that starts with a renewed shift in thinking towards God’s Kingdom purposes.
“The journey of our finances is a journey of discovery because we are being fathered by a loving God,” Rev. Borg says. “It’s the joy of discovery of who I am, and the journey of moving forward in obedience and love.”
This joy is found first in changing our minds towards what God says is important. Listen to the show to hear what God’s heart is for us, others, and His Kingdom. Today’s episode is sponsored by Stephen Francispillai—Francispillai Law, an Ottawa law firm specialising in real estate, as well as wills and power of attorneys. Go to https://fclawyers.ca/ for more information. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.
The post Finding Financial Joy with Rev. Ray Borg first appeared on More Than Enough.
What if we taught children that having an emergency cushion is as important as brushing your teeth every day? On episode #326 of “Let’s Talk Money with Dave and Reb”, that’s exactly what the co-hosts are telling listeners. Dave and Reb discuss the importance of good habits that turn to long-term practices, especially in creating an emergency cushion as part of financial health.
After listening to one of their favourite devotional apps Lectio 365, Dave and Reb were inspired to talk about habits and practices. (See https://www.24-7prayer.com/resource/lectio-365/, May 4 morning devotional.)
“Habits don’t have to be arduous,” Dave says. “But we do want them to lead to good, intentional regular practices, and as Lectio says, we want our practices to lead to our determined financial goals!”
Tune in to listen to the show, which is sponsored by Stephen Francispillai—Francispillai Law, an Ottawa law firm specialising in real estate, as well as wills and power of attorneys. Go to https://fclawyers.ca/ for more information. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go towww.morethanenoughbooks.com.
The post Financial Habits and Practices—The Importance of the Emergency Cushion first appeared on More Than Enough.
Dave and Reb don’t know if listeners are getting tired of hearing it, but they want to keep encouraging people to take the five steps to financial health! On episode #325 of “Let’s Talk Money with Dave and Reb”, they review the five steps to financial health: building a small emergency cushion, paying off consumer debt, building a larger three—to—six month emergency fund, investing and paying off the mortgage, and giving generously and growing.
“Living on less than you make is essential for these five steps,” Dave says. “And it is also important to sit and consider the cost—the cost of carrying the debt—to understand the reasons why we practise these five steps.”
To help you grasp the why and how of finding financial hope and freedom, listen to their conversation which is sponsored by Stephen Francispillai- Francispillai Law, an Ottawa law firm specialising in real estate, as well as wills and power of attorneys. Go to https://fclawyers.ca/ for more information. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go towww.morethanenoughbooks.com.
The post Steps to Financial Health first appeared on More Than Enough.
Many people make assumptions about their future. On “Let’s Talk Money with Dave and Reb”, the co-hosts look at the shifting assumptions interest and inflation are generating, and how God’s words found in the book of James warn us that making assumptions about the future is never a good idea. They dig into the topics of “financial modelling assumptions” and how people can prepare in the face of changing economic tides.
“We make assumptions all the time,” Dave says. “We want the future to be the same as it is now, and we assume that it will be. But these days, normal assumptions around mortgages and home ownership are being questioned.”
To help listeners look to the future in wisdom, Dave and Reb recommend:
- Facing your current financial reality. That means knowing—in detail—what is going in and going out, and creating a spending plan.
- Make a plan and stick with the plan. As Dave often says, “plan what you spend and spend what you plan.”
- Don’t give up in adversity, and keep doing “the next right thing.” This includes diligence and consistency. Again, “plan what you spend, and spend what you plan”, aiming to live on less than you make, pay down debt, and save what you can.
“Above all else, keep your eyes on Jesus, and even—if like Peter—you fall, remember and know Jesus will raise you up again and again,” Reb says.
Tune in to episode #324 to hear their discussion sponsored by Financial Discipleship Canada and notmine.ca – a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and our discipleship to Christ. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go towww.morethanenoughbooks.com.
The post Shifting Financial Assumptions first appeared on More Than Enough.
On today’s show, Dave and Reb discuss more heart and treasure issues, as they discuss the words of Christ.
“For where your treasure is, there your heart will be also.”
Those were the words of Jesus over 2000 years ago, and on episode #323 of “Let’s Talk Money with Dave and Reb”, the co-hosts revisit those words with regular guest Rev. Ray Borg. They discuss the modern day example of Steinbach, Manitoba which leads Canada in charitable giving, and take a look at where the people of Steinbach are putting their treasure. A CBC news article recently described the community as one emulating a culture of giving. See Ian Froese’s article here: https://www.cbc.ca/news/canada/manitoba/steinbach-generosity-giving-charity-leads-country-1.6776319.
According to the article, “People in Steinbach donate 4.31 per cent of their income to charity, which far exceeds the national average of 0.62 per cent, according to an analysis of tax filing data by Charitable Impact.”
Listen to Dave and Reb’s conversation about heart and treasure and this modern-day example of giving. The show is sponsored by Financial Discipleship Canada and notmine.ca – a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and our discipleship to Christ. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go towww.morethanenoughbooks.com.
The post Knowing Where Your Heart Is with Rev. Ray Borg first appeared on More Than Enough.
Dave and Reb dig into the topic of financial coaching and all that it entails.
Many people dismiss the invitation to financial coaching because they simply don’t understand what it is, or the purpose behind it. On today’s episode #322 of “Let’s Talk Money with Dave and Reb”, the co-hosts bring clarity to the topic of financial coaching, and how practical accountability can lead people to find the financial hope and freedom they desire.
“Coaching is about a journey and relationship,” Dave says. “Effective coaching is a journey that involves ongoing discovery not only about your finances but about who you are as a person, including your joys, sorrows, goals, and dreams.”
Financial coaching is not financial advice giving, but accountability, clarity-building interactions, and coming alongside people with good questions and listening skills.
“It’s not only about getting out of debt either,” Dave says. “It’s for anyone who wants to get from point A to point B in their finances, acquiring good skills and habits to reach their goals.”
Listen to this conversation which is sponsored by Financial Discipleship Canada and notmine.ca – a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and our discipleship to Christ. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/.
The book referenced in today’s show—The Coach Model for Christian Leaders—
is written by Dr. Keith E. Webb. You can learn more about coaching by going to https://keithwebb.com/.
To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go towww.morethanenoughbooks.com.
The post What Is Financial Coaching? first appeared on More Than Enough.
By Rebecca van Noppen
When David and I left a family business over 15 years ago, we headed into the unknown. Trying to follow God’s leading, trying to obey, trying to give our daily YES to God.
Saying YES. That became for us an acronym.
Yielded to God.
Established in love.
Servants unto death.
Big words. Very big words, in fact, found within three small letters. A YES that eventually led us to More Than Enough Financial, and keeps us here today.
During this Easter week, I picked up a book about the suffering of Christ, as reflected in the 1499 marble sculpture by Michelangelo Buonarroti called the Pieta. I had previously read Ken Gire’s book Shaped By The Cross about Christ and this sculpture, but this time there was something about the image of Mary sorrowfully contemplating the dead body of her son in her lap. I was arrested. Her face, His body. It opened up thoughts and reflections about Mary’s YES. And how that YES at Gabriel’s visit, was a YES to love’s encompassing sorrow and joy. Mary may not have held her son in his death, but Buonarroti’s work even in photographs has opened a door to help me gain a sense of Mary’s grief, and the magnitude of her first YES.
Christ’s crucifixion is more than just a story. It is the truth of His scourging and death. Jesus really did live, but He really did die. For all those who loved Him, that day was a striking grief, like a sword to pierce the soul.
So as I think of the YES that led David and me to More Than Enough Financial in 2008, I reflect on Mary’s greater YES, that led her to the Cross.
She said YES.
“Let it be to me as you say.”
Let it be. And she said yes.
But a yes—unrecognizable. A yes spoken too young, too little understood. A yes to paths of love, longing, sadness and tears. A yes to childbirth, immigration, and running from fear. A yes to pain and grief—as the unexpected sword would find its way inside.
Her yes was a yes to fleeing death fears and the tumbling of tears. A yes to tearing, ripping from hands and heart. A yes to a world spinning and turning and wielding its sword of thorns and blood.
Yet.
Her yes was filled with laughter, of a toddler’s little feet, and the wonder of watching Jesus overcome defeat. Too soon the crying baby, suckling at her breast, had wandered into crowds away from brothers, home and rest. But wandering and leaving, he found deeper learning still, and spoke out all his questions that amazed bewildered men.
But after.
Three days.
Three days.
Found after.
Found.
And the yes so freely given, became murky with the sound. Let it be to me as you say. And the yes caught in her throat. What more? What more? What more will come? Let it be to me as you say. More pain, more joy? What more will come? Let it be to me as you say.
Her own yes came back to thwart her. Yes now. At every turn. The water turning to wine again, and the crowds pushing her away. Yes now. Not now. No more. Not now. Let it be to me as you say. The yes I gave comes back again. Let it be to me as you say.
Her yes. His yes. Caught, snagged, unraveling. How much more of this she bears? This yes, like garment, torn undone, leaves her naked against the gale. And as she stands in that wind, atop the hill she finds…
Her son.
Her son, hanging.
Alone and grey and bare.
She hears the cry, the earth cracks wide, and the daylight disappears.
He’s gone. Her yes. Is now thrown down. Her yes breaks through her heart.
And here before the cross she cries. She holds her son and says, my yes, is yours, my yes, is His, let it be to me as was said.
And then. She hears the whispered response. Carried now in stillness.
“Just wait and see. Be not dismayed. Your yes will rise again.”
But after.
Three days.
Three days.
Found after.
Found.
Her YES, His YES, rise again.
The post Mary’s YES first appeared on More Than Enough.
Today’s conversation digs into purpose, discipleship, coaching, and not giving up.
On this Good Friday morning, when Christians around the world are considering the Cross of Jesus Christ, Dave and Reb encourage listeners to “fix their eyes on Jesus” as they run their financial races. On episode #321 of “Let’s Talk Money with Dave and Reb” the co-hosts reflect on the “joy set before” Jesus, as He went through the suffering of the Cross, and how that can inspire us, even as we navigate the strains and pressures of our everyday financial lives.
“Just as Jesus endured the Cross for the ‘joy set before Him’, we can ask ourselves the question ‘what is the joy set before us’ as we journey,” Dave says. “This speaks to purpose and our understanding of our full identity in Him, which in turn directly affects how we manage money.”
Listen to their conversation which is sponsored today by Financial Discipleship Canada and notmine.ca – a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and our discipleship to Christ. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.
The post Running the Race on Good Friday first appeared on More Than Enough.
On today’s episode #320, Dave and Reb revisit the topic of stewardship, as surrendered discipleship.
They’re talking about those ‘S’ words again! Today on “Let’s Talk Money with Dave and Reb” the co-hosts re-visit some of Reb’s history with the words ‘saver’ and ‘spender’, and how the words “surrendered steward” have brought healing and understanding to her journey with God.
“I used to define myself as a ‘spender’ and I often felt that the label wasn’t good,” Reb says. Somehow I felt the ‘saver’ label that Dave carried was better.”
It wasn’t until their journey at More Than Enough began, that her understanding of surrendered stewardship grew.
“Life is more than the labels of ‘spender’ and ‘saver’,” Reb says. “Being a disciple of Christ is knowing you are a steward of all the resources he has given, including time, expertise, and money.”
Tune in and listen to episode #320 which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more. To learn more about Dave and Reb’s financial coaching business More Than Enough Financial go to www.morethanenough.ca. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.
The post Saver, Spender, Steward? first appeared on More Than Enough.
Today, Dave and Reb talk about the trouble with divided loyalties.
How does an undivided heart or split allegiance affect your finances? Rev. Ray Borg from notmine.ca and Financial Discipleship Canada joins Dave and Reb on “Let’s Talk Money with Dave and Reb” on episode #319 to dig into this critical heart issue around money.
The Psalmist asks God for an undivided heart in Psalm 86:11, and Jesus reminds us of the same thing in Matthew 6. We cannot serve both God and mammon, and if we try, we will end up hating one over the other.
“I have always understood Jesus’ words in Matthew 6 to mean that we can’t serve both, but I have also come to see that when we try to serve both we will end up despising one over the other just as Jesus told us,” Reb says. “That is a scarier thought to me, because I don’t want to end up hating God.”
Tune in and listen to today’s conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more. To learn more about Dave and Reb’s financial coaching business More Than Enough Financial go to www.morethanenough.ca. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.
The post Undivided Hearts with Rev. Ray Borg first appeared on More Than Enough.
By Rebecca van Noppen, co-host of “Let’s Talk Money with Dave and Reb”
Do you think you could do it? Save $5050 in 100 days? Well, some are trying. A new trend on TikTok has people attempting to save money in the ‘100 envelope challenge’. You start with 100 envelopes and some cash, write one number from 1-100 on each envelope, and then shuffle them. Each day you pick up an envelope, and whatever number you draw, you fill it with that amount of cash.
Easy. Right?
Well, I guess if you have $50.50 a day in financial margin for 100 days, it will be easy. Or maybe it helps to look at the monthly breakdown. For three months running, all you need to find in extra income or margin is $1,683.
For some people this may be a thrilling challenge, an out-of-box idea, or a sexy way to save money. Many people have managed to do it, and if it works for you, I would love to hear about it. I would also love to hear what is motivating you to save that money!
In this age of trends, distractions, and instant gratification, this challenge would take commitment, healthy financial habit formation, and perseverance. Not only that, you really do need the margin to be able to save, and it may take selling possessions, or even taking on extra employment. Financial health takes work and does not usually come without consistent financial habits and intentional discipline.
At More Than Enough, we encourage five simple goals for financial health:
- Build an ‘everyday emergency cushion’ of $1000 for unexpected expenses, like a sudden death in the family or an unforeseen car repair.
- Pay off your consumer debt—that includes credit cards, credit lines, and car loans.
- Build a three-to-six month emergency fund (equal to your income).
- Invest and pay off your mortgage.
- Give generously and share what you have. This is something you do throughout these five steps, but you often find more freedom to give once your debt is paid off.
These five financial steps are goals that carry you through the days, years, and decades of your financial journey. You will find no quick fad here, but wise and consistent counsel. A wise king once wrote that money gathered little by little will grow (see Proverbs 13:11). That is one long-standing trend to count on.
Tip to try: If you want to start saving money, start with building that ‘everyday emergency cushion’. That’s challenging enough, but we have seen people do it over and over again. Take three months, save $10 a day, or sell some stuff lying around your house. Track your spending, and adjust it so you can create some margin. Once you have that $1000 saved, let us know. Go to our online financial fitness seminar to understand the principles behind the five steps to financial health. You can find it here: https://www.youtube.com/watch?v=ueD_QELjh7c&t=93s&ab_channel=Let%27sTalkMoneywithDave%26Reb
The post Saving—Little by Little first appeared on More Than Enough.
Today, Reb interviews Dave about qualifying for mortgages as interest rates rise, variable and fixed rate mortgages, and deferring payments on your mortgage.
You asked, so we’re answering. On today’s “Let’s Talk Money with Dave and Reb” podcast, Dave answers mortgage questions posed by clients from More Than Enough Financial (MTE) including questions about fixed and variable rates, deferring mortgage payments, and several other topics in a jam-packed show.
And don’t forget our contest! Tune in to our YouTube channel https://www.youtube.com/channel/UC5I8R5VcNzmb-kSpcZTnI4g and find today’s show. Listen and watch, to answer the question—”What do their smiley face t-shirts mean?— and you will have a chance to win some MTE merchandise. Send your answer to info@morethanenough.ca and enter the draw to win!
Listen to their rapid-fire conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. To learn more about Dave and Reb’s financial coaching business go to www.morethanenough.ca. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.
The post Let’s Talk Mortgages first appeared on More Than Enough.
On today’s show, Dave and Reb talk about the advertising culture influencing us, and the need to spend time with God and be in His Word—to advertise the truth to ourselves.
Jesus tells us in John chapter 8 that we will know the truth, and the truth will set us free. On today’s “Let’s Talk Money with Dave and Reb” episode, Dave and Reb talk about the need to know God’s truth, but also to be intentional about speaking that truth to ourselves daily. In our culture where we are continuously distracted by the noise of social media, constant streaming, perceived needs advertised to us in an endless loop, and where an average of 694,000 hours of video are streamed by YouTube users each minute, we need to advertise God’s truth to ourselves with intention. (see https://www.wyzowl.com/youtube-stats/)
“We live in a world where we are bombarded by advertising each and every day, especially in brand exposure,” Reb says. “It is so important to immerse ourselves in God’s truth around money and possessions so that we will know His truth deep within us, and we won’t be trapped by the false promises of the world.”
Tune in and listen to today’s conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. To learn more about Dave and Reb’s financial coaching business More Than Enough Financial go to www.morethanenough.ca. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.
The post Advertise the Truth to Yourself first appeared on More Than Enough.
On today’s episode of “Let’s Talk Money with Dave and Reb” you will learn more about giving, gratitude, and generosity, and how to foster those in church community.
Author, speaker, and coach Lori Guenther Reesor once again joins Dave and Reb on “Let’s Talk Money with Dave and Reb” to continue their discussion about gratitude, generosity, and the learned spiritual discipline of giving. Flowing from her book Growing A Generous Church —A Year in the Life of Peach Blossom Church, Lori talks about her passion to encourage thankfulness in the body of Christ, and then to see how giving to God and others flows from that gratitude.
“Giving and receiving is one big circle of God’s grace,” Lori says. “Gratitude connects us to God, the giver of every good thing and the source of our strength. When we’re grateful, we can share.”
Tune in and listen to today’s conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. To learn more about Lori’s book go to https://lgreesor.com/. To learn more about Dave and Reb’s financial coaching business More Than Enough Financial go to www.morethanenough.ca. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.
Tune in and listen to today’s conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor.
To learn more about Lori’s book go to https://lgreesor.com/.
To learn more about Dave and Reb’s financial coaching business More Than Enough Financial go to www.morethanenough.ca. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.
The post Hilarious Giving with author Lori Guenther Reesor, Part 2 first appeared on More Than Enough.
On today’s episode of “Let’s Talk Money with Dave and Reb” you will learn about gratitude, generosity, and giving.
“If Jesus talks about money, we can too,” says author, speaker, and coach Lori Guenthor Reesor. On today’s episode of “Let’s Talk Money with Dave and Reb”, the co-hosts welcome this special guest as she talks about her recent book Growing A Generous Church —A Year in the Life of Peach Blossom Church.
After speaking with Christian financial donors across Canada and spending a lot of time drinking coffee in church basements, Lori crafted a creative non-fiction book out of her Doctorate of Ministry thesis that has created a refreshing road map for churches to pursue and teach giving, gratitude, faithfulness, and financial communication as part of the stewardship journey.
“Silence and secrecy around money gives it too much power,” Lori says, encouraging Christ-followers to learn how to talk about money in a healthy, productive way, including how to give generously.
Gratitude is a big part of this learning, and expressing that gratitude to faithful donors and volunteers in our church families is really important.
Tune in and listen to today’s conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor.
To learn more about Lori’s book go to https://lgreesor.com/.
To learn more about Dave and Reb’s financial coaching business More Than Enough Financial go to www.morethanenough.ca. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.
The post Hilarious Giving with Author Lori Guenther Reesor first appeared on More Than Enough.
On today’s episode, Dave and Reb talk with regular guest Rev. Ray Borg about the lure of mammon, and Jesus’ call to serve God alone.
Today on “Let’s Talk Money with Dave and Reb”, Rev. Ray Borg from Financial Discipleship Canada once again joins the conversation. This week, the topic centres on Luke 16:13-14, when Jesus declares that it is impossible to serve both God and mammon. It was a challenge to the Pharisees who, the Bible says, loved money.
Money brings power, and that is often what underlies what we seek. Whether it is power, money, or possessions, there is a warning and encouragement from Jesus, to seek God first and serve Him only.
“We need to look at what has captured our hearts and what is taking us off course,” Dave says. “Then we can bring it all to the feet of the Lord, and surrender it to Him.”
Tune in and listen to today’s conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. To download a free copy of the booklet It’s Not About the Money—Unmasking Mammon, written by Rev. Borg and Jan Kupecz, go to www.notmine.ca.
The post It’s Not About the Money with Rev. Ray Borg first appeared on More Than Enough.
Where do you go when you can’t pay your hydro bill? What do you do when you don’t have enough to eat? The answer? Dial 211. Today on “Let’s Talk Money with Dave and Reb”, the co-hosts welcome John Hoyles, the executive director at Community Navigation of Eastern Ontario/211 East to explain how this navigation system works.
211 is a helpline that connects people to the social services, programs, and community support they need. It is a relatively unknown service available in regions all across Canada. With over 7500 services in the Eastern Ontario database, community navigators receive the calls and help people find exactly which services they need to solve their problems.
This number isn’t just for the vulnerable people in our community, but is for anyone needing help, especially if they don’t know where to go. John Hoyles shares a number of beautiful stories on today’s show, so tune in and listen to their conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor.
To use 211, simply dial 211, or go to https://211ontario.ca/. If you need more information on this service, please call the More Than Enough office at 613-520-4157, extension 1002.
The post 211 with John Hoyles first appeared on More Than Enough.
What is your current financial reality? How much money comes in and how much is going out? What are you paying in interest to service your debt? Or how are you intentionally saving money? On today’s episode of “Let’s Talk Money with Dave and Reb”, the co-hosts talk about financial awareness, and planning what you spend and spending what you plan. Dave encourages people to focus on planning because paying down debt and saving money are possible—it may just look a little different than when interest rates and inflationary pressures were lower.
“Remember that although this is a season of financial volatility, it doesn’t mean forever,” Dave says. “So try not to focus on all the trouble.”
Dave and Reb remind listeners that saying “yes” to some things, means saying “no” to others. Financial planning, meal planning, and planning of all kinds is so important at this time.
“Live your financial reality, or as Washington Post financial columnist Michelle Singletary says, ‘live your financial truth,’” Reb says. “Knowing the truth of where you are at, and then making a financial cashflow plan is key.”
Tune in and listen to today’s conversation which is sponsored by the Ottawa-based Crosspoint Financial team—a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. To learn more about Michelle Singletary, the financial columnist mentioned on today’s show, go to https://www.washingtonpost.com/people/michelle-singletary/.
The post Living Your Financial Reality first appeared on More Than Enough.
by Rebecca van Noppen, writer and MTE communications director
Can I remind you of something today? Make sure you know where you are going. When you head out the door, when you navigate this crazy ‘ole world, make sure you have the address. Oh yes, and one more thing. Make sure your navigation system is taking you in the right direction.
A few years ago Dave and I were traveling to Steinbach, Manitoba. We got on the right plane, carrying the address of our end destination. We got off the plane, hopped into the rental car with two new friends, and punched in the co-ordinates. It was after over an hour of driving that I began to wonder if we were going in the right direction. Well, after seeing the border sign for Saskatchewan(!!) we realized the GPS system in the rental car was faulty. We were heading out of province and because we were so busy chatting it up, we were oblivious to where we were heading. Of course, we used our phones to get back on track. We arrived later than we intended, but our misadventure became part of the adventure, and all ended well.
When I think of that time, I can’t help but relate it to navigating our finances in 2023. In fact, Dave and I remember that story on today’s podcast “Keep It Simple”. There are a few relatable financial comparisons I could make to that incident, but for now let’s focus on setting our financial course, and having a trustworthy system to help us get there.
Here are a few tips to help you get to where you want to go.
- Take a high level look at your goals. Write them down. Where do you want to be financially in five years, in 10, in 25? This is something that you will revisit throughout the year and years to come. This is a time to also uncover your dreams and purposes, and the legacy you want to leave behind. This is the destination you want to punch into your financial GPS.
In the next few steps, you will be making sure your financial systems are working to help you get there.
- Make a plan, and keep aware of your cashflow. Look at your bank account and put your spending into categories. Track your spending so you know your financial habits. Make a plan but also stick to the plan. As Dave often says, “Plan what you spend and spend what you plan.”
- Re-establish good financial habits, or create a new rhythm for your finances. This includes having a financial date or money meeting every week with yourself, or with your partner. Make it part of your routine. If you have left behind some good financial habits, now is the time to restart them. For instance, start using that financial app that worked so well for you, but you have now stopped using.
- Consider what you are going to stop doing, what you are going to start doing, and what you are going to keep doing? Don’t start doing too many new things at once, however. Take one thing at a time and get that new habit consistent. Then, think about adding another one.
- Pray. In one of my devotional apps, PRAY is an acronym for Pausing, Rejoicing and Reflecting, Asking for help, Yielding to God’s will. (To learn more go to https://www.24-7prayer.com/resource/lectio-365/.) Pray at the beginning and end of your financial discussions. Pray when you are worried. Pray when you are thankful. Pray over your plans, dreams and goals, and yield them to God. Don’t stop praying!
Remember to be intentional about your finances because in the culture we live in, if we aren’t intentional in our practical financial decisions we will default to debt. And debt is something, God tells us, that we should run from, like a gazelle from the hand of a hunter. “Free yourself, like a gazelle from the hand of the hunter, like a bird from the snare of the fowler.” Proverbs 6:5 (NIV)
The post Keeping It Simple first appeared on More Than Enough.
On today’s episode, Dave and Reb provide practical tips on setting a financial spending plan for 2023 to help stay focused, especially in this season of such financial uncertainty.
In response to a client’s recent question, Dave and Reb talk today on “Let’s Talk Money with Dave and Reb” about how to stay financially focused in a season of inflationary and interest rate pressures. Tune in to hear how “keeping it simple” can be the focus you need.
Dave and Reb talk about making a plan, creating a financial rhythm to support that plan, and most of all understanding the goals and purposes behind the plan.
“It is also very important to pray first—pause and pray,” Dave says. “Can we pause enough to turn our minds to Christ and receive the life He is? It is so important on our financial journeys.”
Listen to today’s conversation sponsored by Financial Discipleship Canada and notmine.ca – a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and our discipleship to Christ. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/.
The post Keep It Simple first appeared on More Than Enough.
Dave and Reb’s dear friend and colleague Rev. Ray Borg joins them on “Let’s Talk Money with Dave and Reb” today, to give listeners an update on the ministry and work of Financial Discipleship Canada (FDC) and its family of ministries notmine.ca and Advisors with Purpose. The purpose of these ministry organizations is to encourage “whole life” discipleship, especially in how finances play a role in our lives as followers of Jesus Christ.
“Just as it says in 2nd Timothy 2, the work of FDC is encouraging us as followers of Christ to present ourselves to God, not ashamed and understanding God’s word around finances,” Reb says. “They are an invaluable part of God’s work here in Canada and abroad.”
This journey of understanding financial discipleship is simply about committing ourselves daily to Jesus Christ.
“This is about committing our finances to the Lord,” Rev. Borg says. “As we do, He leads us and teaches us. It is something we really need to be intentional about.”
Listen to hear today’s conversation which is sponsored by Financial Discipleship Canada and notmine.ca – a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and our discipleship to Christ. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/.
The post It’s Not Mine, with Rev. Ray Borg first appeared on More Than Enough.
On today’s episode of “Let’s Talk Money with Dave and Reb” you will learn about the 2022 tax season, and how you can prepare for the May 1st deadline.
The tax season is beginning to build momentum as we enter the new year of 2023. On today’s “Let’s Talk Money with Dave and Reb”, the co-hosts welcome More Than Enough tax specialists Bron Vasic and Destiny Johnson to talk taxes.
Focusing on the tax support MTE offers, Bron and Destiny outline the importance of collecting documents, communicating with CRA, and mitigating fears around taxes by knowing and preparing what is needed for your tax returns. This year’s personal tax deadline is May 1st, in light of April 30th falling on a Sunday.
“If you have fear or struggle with how you have not been compliant toward CRA, just know that we offer a lot of grace at More Than Enough and we will walk with you through any details or obstacles you face,” Reb says.
Listen to hear today’s conversation which is sponsored by Financial Discipleship Canada and one of its ministries notmine.ca – a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship to Christ. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/.
To learn more about what is needed for this tax season, call the More Than Enough Tax office at 613-520-4157.
The post Tax Season Preparation with the MTE tax team first appeared on More Than Enough.
In today’s episode, Dave and Reb consider the cost of commitment on our stress levels and our finances.
Dave and Reb welcome listeners to the kick-off episode for “Let’s Talk Money with Dave and Reb” in 2023. Instead of talking about financial resolutions, they encourage and challenge listeners to consider their commitment levels to not only financial health, but to all those areas of our lives that can become “overcommitments”. At the beginning of this year, Dave and Reb talk about the wisdom in looking into the year ahead and considering what we are committed to, and how these commitments are affecting our finances.
“It is important to consider at the beginning of this new year, how credit plays a part in what we commit to,” Dave says. “Credit allows us to overcommit in the area of our finances and that can lead us into trouble.”
The podcast hosts recommend sitting down and writing out what you want to commit to this year.
- Slow down. Write it down.
- Pray. Wisdom and insight are needed.
- Count the financial cost of those commitments, and
- Make every spending decision, a spiritual one.
“As you consider these decisions, be mindful of peace,” Reb says. “The peace of Christ is a great determining factor, as to whether or not you will run with the choice or not.”
Listen to today’s conversation which is sponsored by Financial Discipleship Canada and one of its affiliates notmine.ca – a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/.
The post Count the Cost first appeared on More Than Enough.
In today’s episode, Dave and Reb look back on 2022 as a year of change and uncertainty, but held together by the presence and faithfulness of God.
It’s the end of the year, and Dave and Reb can hardly believe it! Today, on “Let’s Talk Money with Dave and Reb”, the co-hosts look back on their year of podcasts as well as areas of personal growth they’ve experienced.
In this year of economic change when so many people are looking for financial answers, they share how God has been using the challenges in their own lives to build foundations. Looking at the words of Psalm 107, they remind listeners that when God’s people cry out, He delivers them from all their troubles. Whether the answers come quickly or slowly, God is the Lord who provides answers when we call.
Join Dave and Reb’s conversation today to hear more of their discussion, which is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances while finding hope and financial freedom one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.
The post Looking Back to Learn first appeared on More Than Enough.
It’s almost Christmas, and Dave and Reb invite their dear friends Rev. Ray Borg and his wife Arlene to share their favourite Christmas Scripture verses and memories on today’s episode of “Let’s Talk Money with Dave and Reb”. They even manage to talk about money – just a little bit!
The four friends share verses from the book of Hebrews and Isaiah, as well as 2 Corinthians. Listeners might be surprised that many of their favourites speak to why He came to earth as a man, and aren’t about the birth story.
“The season is about so much more than Jesus coming as a baby,” Reb says. “We can’t fully celebrate his birth without being grateful for His suffering, death, and His resurrection, and reflecting on those truths as we consider the baby in a manger.”
Join Dave and Reb’s conversation with their friends, as they reflect on the importance of Jesus’ coming, and why He came: for the joy set before Him! Today’s show is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances while finding hope and financial freedom one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go towww.morethanenoughbooks.com. To find The Advent Overture:Meditations and Poems for the Christmas Season written by Ray and Arlene’s friend Stuart McAlpine that they mention on today’s show, go to https://www.amazon.ca/Advent-Overture-Meditations-Christmas-Season/dp/1973610116/ref=sr_1_1?crid=RDB3RYODYE2D&keywords=advent+overture&qid=1671225654&sprefix=advent+overture%2Caps%2C174&sr=8-1
The post Christmas Joy with Rev. Ray and Arlene Borg! first appeared on More Than Enough.
At this time of year, many of us are receiving requests for donations from charities often in the form of gift catalogues as options for gift giving. For many of us, there are more requests than money and this can be disheartening. On today’s episode of “Let’s Talk Money with Dave and Reb”, the co-hosts encourage listeners to follow in the footsteps of God, to look to Him, and to plan their giving for 2023, aligning with God’s own generous heart.
“Giving is an attitude of generosity, the very DNA of God in us,” Dave says. “And this time of year is a perfect time to sit down with your family and talk about where you want to give in the year to come.”
Dave and Reb provide practical advice on making a giving plan and sticking with it, just as God’s word encourages us to do. As it says in 2 Corinthians 9:7, “Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.”
Join their conversation and tune in to hear Dave and Reb on today’s show which is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances while finding hope and financial freedom one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.
On today’s show, Dave refers to a book and ministry called Gospel Patrons. Go to https://www.gospelpatrons.org/ for more information. He also refers to Canada’s largest financial donation of $500 million ever given to one charity which recently occurred in 2022. For more of the story go to https://winnipeg.ctvnews.ca/late-winnipegger-donates-largest-individual-gift-ever-made-to-canadian-charity-1.6173662#:~:text=A%20local%20business%20owner%20is,and%20president%20of%20Appleton%20Holdings.
The post Released to Give first appeared on More Than Enough.
Today’s episode reflects on what stress and worry teach us, and how we can trust God more deeply.
What is it like for you going to the grocery store these days? Is there a certain amount of stress you carry over rising prices? On today’s episode of “Let’s Talk Money with Dave and Reb”, the co-hosts discuss how a change in mindset and a focus on who God is, can make all the difference. With a mix of scriptures, they encourage listeners to trust God, and learn what it means to rely on God for daily sustenance.
“When Jesus was tempted by the devil in the desert, he was focused on His Father and knew how to answer the temptations,” Dave says. “There he taught us that the Word of God is sufficient for our souls and our bodies.”
Join their conversation and tune in to hear Dave and Reb on today’s show which is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances while finding hope and financial freedom one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.
The post Where’s your Focus? first appeared on More Than Enough.
Financial Advisor Bold Kere joins Dave and Reb on "Let's Talk Money" today to talk about price and value in considering the current cryptocurrency environment. There are many aspects to consider when deciding to invest.
The post Price and Value in Considering Cryptocurrency with Bold Kere first appeared on More Than Enough.
It's Black Friday and Dave and Reb are talking about planning what you spend, and spending what you plan on today's episode of "Let's Talk Money with Dave and Reb".
The post From Red to Black first appeared on More Than Enough.
What do you value? And how do those values directly impact your financial choices and decisions? On today’s “Let’s Talk Money with Dave and Reb”, More Than Enough Financial (MTE) Coach Natalie Rowe discusses these questions and more with the podcast co-hosts.
Looking at two well-known Scripture verses in Hebrews 10, Dave and Reb talk about the importance of encouraging one another in regular financial dates or what are also called regular money meetings
A Financial Date Night is a dedicated weekly date on your calendar, where you and your spouse commit to tracking your current expenses, so that your eight-week spending plan is predictable and measurable.
We are talking about talking about money again! On today's episode of "Let's Talk Money with Dave and Reb", the co-hosts talk about the not-so-favourite topic of talking about money and having financial dates.
“A prudent person foresees danger and takes precautions. The simpleton goes blindly on and suffers the consequences.” This is what God tells us in the book of Proverbs chapter 22 in verse 3, and on "Let's Talk Money with Dave and Reb", the co-hosts talk about being the “prudent person” and preparing financially for the days ahead.
Today on "Let's Talk Money with Dave and Reb", regular guest Rev. Ray Borg shares a beautiful analogy to encourage listeners to persevere, work as a team, and listen to the trusting and loving voice of God.
Dave and Reb welcome Rev. Ray Borg from notmine.ca and Financial Discipleship Canada to "Let's Talk Money" today to dig into a portion of Scripture found in Acts 4.
The outward expression of gratitude is giving, and so is the outward expression of trust. Dave and Reb discuss these two thoughts as part of their Thanksgiving weekend episode.
It's the story of the rich young ruler, and Dave and Reb share fresh insights into this story on today's episode of "Let's Talk Money with Dave and Reb".
On today's episode of "Let's Talk Money with Dave and Reb" the co-hosts continue conversations they have been having throughout the month of September talking about the current economic challenges and the fear and anxiety it is causing in many Canadian families.
On today's episode of "Let's Talk Money with Dave and Reb", they look at why saying "no" to some things in our lives will be essential to avoid financial trouble ahead.
Dave and Reb encourage listeners on today's episode of "Let's Talk Money with Dave and Reb" to persevere in the financial challenges that these days are bringing, as they hope and trust in God.
As we head into the long weekend, Dave and Reb discuss one of their favourite movie characters as an example of a “not-so-faithful” steward on today’s episode of “Let’s Talk Money with Dave and Reb”.
On today’s episode of “Let’s Talk Money with Dave and Reb” the co-hosts tackle a heart-issue money topic.
Today’s topic on “Let’s Talk Money with Dave and Reb” was inspired by a quote from Chris Anderson, the head of TED TALKS, in his book TED TALKS — The Official TED Guide to Public Speaking: “When people aren’t prepared or ready to listen, communication can’t happen.”
We are less than one month away from back-to-school season, and Dave and Reb remind listeners to keep planning for the financial commitments that come with it.
Dr. Rebecca Sutherns, CEO of Sage Solutions, shares her money story on today’s episode of “Let’s Talk Money with Dave and Reb”. After 31 years of marriage, four children, one grandchild, and 25 years of work in her business as a Certified Professional Facilitator, Dr. Sutherns reflects on the biblical financial principles she has carried […]
Hope can be hard to find in the midst of illness, tragedy, and challenging life circumstances. But hope is exactly what Dave and Reb’s lifelong friend Patty Grose shares with listeners on today’s episode of Let’s Talk Money with Dave and Reb”.
There is a lot of concern over inflation and interest rates in the Canadian economy, but on today’s “Let’s Talk Money with Dave and Reb” the co-hosts want to encourage listeners to take some time, breathe, and consider the historical context for interest rate fluctuations.
Are money conversations always a good idea? That is the question Dave and Reb tackle with monthly guest Rev. Ray Borg on today's episode of "Let's Talk Money with Dave and Reb".
Happy Canada Day! While these past years have come with difficulties and challenges for Canadians, Dave and Reb encourage listeners on today's "Let's Talk Money" to take a deep breath today and pause to celebrate!
Today, More Than Enough tax specialist and coach Bron Vasic joins "Let's Talk Money with Dave and Reb" to talk business strategy.
On today's "Let's Talk Money with Dave and Reb", the co-hosts look at God's directive about taking every thought captive to make it obedient to Christ (see 2 Corinthians 10).
Rev. Ray Borg from notmine.ca joins Dave and Reb today on "Let's Talk Money with Dave and Reb" to talk about the provision Israel received from places of slavery through the desert and into the promised land.
Decisions can be paralyzing. Or rather the need to make decisions can be. Talking with a friend this week, I realized this Covid season has created obstacles, and decision paralysis seems to be a part of it.
Financial decisions come in all shapes and sizes, and in these days of increasing interest rates and inflation, some of these decisions may be harder and harder to make.
One of the key tools in the More Than Enough debt-repayment tool belt is an emergency cushion, and on today's episode of "Let's Talk Money with Dave and Reb", the co-hosts give direction on how to build a cushion so we don't need to turn to credit in emergencies or crisis.
What would it look like if you had stress-free nights, where you didn't worry about how you were going to pay the next bill, or where you were going to get the money to pay your taxes?
Rev. Ray Borg from Financial Discipleship Canada joins Dave and Reb today on "Let's Talk Money with Dave and Reb" to tackle the topic of enough.
Today, Dave and Reb welcome a special guest to "Let's Talk Money with Dave and Reb." Author and Arrow Leadership President Dr. Steve Brown shares highlights from his most recent book Jesus Centered: Focusing on Jesus in a Distracted World.
Dave and Reb have been hearing a lot of questions from listeners and More Than Enough clients about how to make practical financial decisions in the midst of rising interest, inflation, and costs of daily living.
Financial need often chooses a path for us. What are the needs? Any number of them come to mind.
By Rebecca van Noppen April, 2022 There is a good way to unravel yarn, and there is my way. Okay, okay. I actually don’t do the unravelling, David does. He is more patient than me, and he actually looks up the correct way to unravel a hank of yarn on Youtube, so he can do […]
It has been a few months since the Valentine's Day show, but Dave and Reb want to pick up where they left off.
On today's "Let's Talk Money with Dave and Reb," the co-hosts welcome Rev. Ray Borg from notmine.ca for the second of a two-part series on giving.
On today's "Let's Talk Money with Dave and Reb," the co-hosts welcome Rev. Ray Borg from notmine.ca in the first of a two-part series on giving.
Dave and Reb have a big announcement to make on today's "Let's Talk Money with Dave and Reb." The announcement may surprise you.
Dave and Reb continue their conversation about financial facts that concern us, fears that lead us, and faith that strengthens us, on today's episode of "Let's Talk Money with Dave and Reb."
Dave and Reb invite people this week to step away from the edge of fear and put their lives in the solid hand of God.
What are we leaving behind? It seems to be a question many are asking, and Dave and Reb welcome Brent Vandermeer, financial advisor at CrossPoint Financial, to weigh in on the importance of legacy on today’s episode of “Let’s Talk Money with Dave and Reb."
Dave and Reb welcome Brent Vandermeer, financial advisor from CrossPoint Financial, to this episode of "Let's Talk Money with Dave and Reb."
Managing money on a good day can be stressful, but adding Attention Deficit and Hyperactivity Disorder (ADHD) to the mix, can create additional challenges.
Financial Awareness can be challenging for many of us, but for those struggling with Attention-Deficit and Hyperactivity Disorder, it can be overwhelming.
Dave and Reb invite their friend and contractor Justin Charron to join them on "Let's Talk Money with Dave and Reb" to talk about the ins and outs of planning for renovation projects.
It's almost Valentine's Day and Dave and Reb are talking love and money on today's "Let's Talk Money" podcast.
Many people struggle with daily financial cash flow management. Some of us watch our friends and family as they work through these challenges. On today's episode of "Let's Talk Money with Dave and Reb", the co-hosts provide some tips for how to walk with people in financial crisis.
The discussion of tithing may or may not be a controversial subject for you, depending on your perspective.
Dave and Reb welcome More Than Enough's financial tax coaches Bron Vasic and Destiny Johnson to today's episode of "Let's Talk Money".
It's mid-January and at the start of this new year, Dave and Reb take time on Let's Talk Money today, to get re-focused on the More Than Enough calling of bringing hope and freedom into people's financial journeys.
On today's very special episode of "Let's Talk Money with Dave and Reb," some of the More Than Enough team members share their favourite Christmas Carols, and why they are so special.
Finances are hard enough on a good day, but add the struggle of Attention-Deficit and Hyperactivity Disorder (ADHD), and you have a 'whole new ballgame'.
On today's "Let's Talk Money with Dave and Reb," Rev. Ray Borg interviews Reb about her new book Cultivating Trust: Finding God's Hope and Freedom for Your Finances.
As a teen raising funds for a mission trip, to being a Bible college graduate outfitting an apartment, to being a stay-at-home mom, God’s Provision has consistently been evident in my life.
This has not been an easy few years for Canadians, so today on "Let's Talk Money with Dave and Reb," the co-hosts invite their friend Arlene Borg to share her love of Christmas and how we can continue to navigate this season and trust in God's economy for living and giving.
“Where there is no guidance, a people falls, but in an abundance of counsellors there is safety.” That is a verse found in Proverbs 11:14, and on today’s podcast “Let’s Talk Money”, Dave and Reb welcome Mortgage Specialist Susanna Penning to provide some of that wisdom and safety for people deciding to build a home.
The cost of living is rising in Canada, and it is concerning Canadians on widespread levels.
On "Let's Talk Money" today, Dave and Reb encourage listeners to think about how they react to financial stress, as they share their own go-to responses around money stress.
On today's "Let's Talk Money", Dave and Reb discuss the current global supply chain crisis and our consumer attitudes to how it is affecting our choices, especially as the Christmas season approaches.
Today, on "Let's Talk Money", Dave and Reb continue the Budget Busting discussion they started at the beginning of September.
Rev. Ray Borg from Financial Discipleship Canada and notmine.ca joins Dave and Reb on "Let's Talk Money" this morning to reflect on thanksgiving, worship, and our understanding of God.
After recently hosting a seminar talking about money and communication, Dave and Reb thought it would also be a timely discussion for listeners of their "Let's Talk Money" podcast.
Dave and Reb again welcome Ottawa financial advisor Bold Kere of Bold Care Financial to today's episode of "Let's Talk Money", as they continue their discussion about Bitcoin, cryptocurrency, and how to navigate this new world of financial digital investing, especially as Christians.
Dave and Reb welcome Ottawa financial advisor Bold Kere to today's episode of "Let's Talk Money", as they uncover the sometimes difficult and mysterious topic of cryptocurrency.
Dave and Reb welcome Rev. Ray Borg from Financial Discipleship Canada to their discussion today about "Banking on the Future".
"Let's Talk Money with Dave and Reb" tackles the subject of "Budget Busters" on today's podcast.
More Than Enough Financial (MTE) and Yairus Publishing are excited to announce the upcoming release of Rebecca van Noppen's book Cultivating Trust: Finding God's Hope and Freedom for Your Finances.
On today’s “Let’s Talk Money,” Dave and Reb have their annual end-of-August conversation about preparing for back-to-school spending.
Dave and Reb welcome back Dr. Keith Webb, founder and president of Creative Results Management, on today's "Let's Talk Money".
Talking about financial coaching is one of Dave's favourite things to do. Today on "Let's Talk Money with Dave and Reb", the co-hosts welcome Dr. Keith Webb to talk about coaching.
Financial Coach and Author Natalie Rowe joins Dave and Reb on "Let's Talk Money" today to encourage people in this pandemic environment, as they contemplate career transitions.
Rev. Ray Borg joins Dave and Reb in today’s discussion about God and mammon on their “Let’s Talk Money” podcast.
Dave and Reb welcome Abbotsford Pastor Pam Dyck back for the second week in a row on "Let's Talk Money".
It started out as a Facebook rant about the culture of giving in western Christian church culture and turned into an invitation to join Dave and Reb on today’s radio show “Let’s Talk Money”.
On today's "Let's Talk Money with Dave and Reb" podcast, Reb shares her writing journey and the obstacles she has faced in getting started.
Join Dave and Reb for some fun on this morning's radio show and podcast "Let's Talk Money". Join David as he answers some Biblical financial questions, and see how your knowledge matches up to his!
Dave and Reb encourage listeners on "Let's Talk Money" with some practical tips to keeping your sanity as you navigate this current real estate market in the Ottawa area, while at the same time remembering that throughout the uncertainties that this year has brought many people, there is security and peace in God's plan for each of us.
Rev. Ray Borg from Financial Discipleship Canada and notmine.ca joins Dave and Reb on "Let's Talk Money" to encourage listeners to prepare for what lies ahead.
Reb tests Dave's stewardship knowledge on today's "Let's Talk Money with Dave and Reb" podcast.
Dave and Reb continue their conversation with Brent Vandermeer from Crosspoint Financial on today's "Let's Talk Money" podcast.
Dave and Reb welcome Financial Advisor Brent Vandermeer of Crosspoint Financial to today's "Let's Talk Money" podcast.
It's time to talk real estate with Ottawa area realtor Mark Wilson of the Royal Lepage Performance Realty Brokerage.
There is a rhythm in giving you can discover on your financial journey, and Dave and Reb explore this topic with regular guest Rev. Ray Borg on today's "Let's Talk Money" podcast.
Dave and Reb invite listeners to a conversation today on "Let's Talk Money" that looks at a number of financial Biblical principles encouraging followers of Christ to unite in financial stewardship, instead of allowing roots of bitterness to rise and divide.
Dave and Reb invite a very special guest to talk about money on today's Let's Talk Money podcast. Serena van Noppen, their almost 10-year-old daughter, shares her ideas about money and how to take care of what God has given us.
On today's Let's Talk Money with Dave and Reb, there is continued conversation about sacrifice and freedom, and the need to consider the legacy we are leaving for our children and grandchildren.
On this Good Friday morning, Dave and Reb of “Let’s Talk Money” welcome Rev. Ray Borg of Financial Discipleship Canada to their discussion about the cost of spiritual and financial freedom.
Many people are asking Dave and Reb of "Let's Talk Money", how their 20- and 30-year-old children will be able to afford a home in the Ottawa area, with the market the way it is.
Dave and Reb welcome back Dr. Keith Webb, founder and president of Creative Results Management, on today's "Let's Talk Money".
Talking about financial coaching is one of Dave's favourite things to do. Today on "Let's Talk Money with Dave and Reb", the co-hosts welcome Dr. Keith Webb to talk about coaching.
Rev. Ray Borg of Financial Discipleship Canada (notmine.ca) joins Dave and Reb on "Let's Talk Money" today to talk about how the love of money affects our lives.
With our four children all under the age of eight, planning activities or a date night was often a challenge. Between finding babysitters, preparing meals to leave behind, or thinking about what to wear, getting out the door on a date often took administrative genius.
I want to be heard. I want to listen well. I want to be a part of a strong community that hears, forgives, and offers strength and courage to others. I want to be a partner to my spouse that can “rumble” through hard financial times, decisions and discussions, as part of the greater purpose of offering strength to our family and community.
More Than Enough Tax Specialists Destiny Johnson and Bron Vasic join Dave and Reb on Let's Talk Money this week to talk taxes!
Today on "Let's Talk Money", Dave and Reb speak with Destiny Johnson, the newest addition to the More Than Enough (MTE) Financial team.
It was something I said and yelled often in my family of adults. I grew up the youngest of seven children - arriving much later than the rest - and our dinner conversations were always lively and loud.
Yes, Dave and Reb are talking about “talking money” on today's podcast, "Let's Talk Money"! They uncover two important pieces of financial communication - processing money decisions and listening with care to one another.
When it comes to money questions, or any issues that need to be discussed, solved and decided around money management, do you like to think them through first, or do you need another person to talk them through?
Rev. Ray Borg of Financial Discipleship Canada joins Dave and Reb on “Let’s Talk Money” today to talk about financial education and the importance of understanding the biblical principles behind financial stewardship. In a time when government spending is on the rise due to Covid-19 benefits, learning and gaining knowledge about God’s principles, along with emergency cushions and debt repayment, is crucial.
On today's "Let's Talk Money with Dave and Reb", the co-hosts look at some of the financial and life lessons they have seen and learned through the pandemic year of 2020.
Today on "Let's Talk Money", Dave and Reb re-air a show from 2020 and talk about new lighting in their home, and the renovations that were necessary to make that happen. During their discussion, they draw the comparison between the work an electrician does to bring more light into your home, and the work a financial coach does to bring more light and freedom into your financial journey.
“Seek My heart and not My hand” were the words from God that Dave and Reb hung onto in a year of economic uncertainty not so long ago.
In this time of global pandemic and economic uncertainty, Dave and Reb encourage listeners today on "Let's Talk Money" to seek the Lord, as they wait on Him for financial and personal direction.
n this morning's looking back and looking forward "Let's Talk Money" podcast episode, Dave and Reb speak with Rev. Ray Borg from Financial Discipleship Canada about the depth that God has built in their lives and in their finances in 2020.
On "Let's Talk Money", Dave and Reb don't talk money or the heart issues around money for the first time in 2020!
Financial Advisor Tim Jenkins joins Dave and Reb on "Let's Talk Money" today encouraging listeners to grow in their giving in 2021.
On today's show, Dave and Reb talk about the importance of waiting to experience delayed gratification not only in our financial journeys, but our walks with God as well.
Today on "Let's Talk Money", Dave and Reb talk about new lighting in their home, and the renovations that were necessary to make that happen.
On "Let's Talk Money" today, Dave and Reb talk with Pastor Mike Hogeboom from Ottawa's Arlington Woods Free Methodist Church about how they have responded in this time of Covid-19.
We have a Heavenly Father, in whose image we are created, who declares the end from the beginning. In other words, He creates a picture of how things will be and then sets things in motion to realize His intended purposes.
Christmas season is upon us and advent is just around the corner. On "Let's Talk Money" today, Dave and Reb invite Rev. Ray Borg from Financial Discipleship Canada (FDC) to discuss the story of the three wise men found in Matthew 2.
It would be nice if everything came easily but that would deny us the opportunity to grow.
Dave and Reb continue their discussion with More Than Enough Entrepreneurial Coach Bron Vasic on today's "Let's Talk Money" podcast.
Human beings strive to find meaning through their work - in fact, studies show that after a certain income level, people are more motivated by non-monetary rewards.
Natalie Rowe is a woman who wears many hats. She is a mother, financial coach, author, and friend. Next to her passion of following Jesus Christ, Natalie is a woman who loves to walk with people as they discover their own callings and purpose, seeing them pursue what they were made to be and do.
In this unprecedented year of change that is 2020, Dave and Reb invite tax and entrepreneurial coaching specialist Bron Vasic to talk about CERB and preparing for the tax season on "Let's Talk Money".
Dave and Reb get back to practical encouragements on today's show "Let's Talk Money". Reminding listeners that God gives us grace and provision every day, we can all tackle paying off debt, saving money, or sharing what we have with the confidence that God will meet us in the process.
Rev. Ray Borg from Financial Discipleship Canada once again joins Dave and Reb on "Let's Talk Money" to discuss one of the stories Jesus told that centres on the heart issues around money.
Today on "Let's Talk Money", Dave and Reb welcome financial planner Tim Jenkins back for a second week in a row to talk about the importance of choosing faith over irrational thought in these unprecedented times.
Dave and Reb welcome financial planner Tim Jenkins to "Let's Talk Money" this morning to discuss the importance of a financial plan that gives structure, perspective and balance to understanding one's financial journey.
If you read the business section of any major newspaper or website in the last month, I’m sure you saw headlines suggesting what would happen in the markets in 2019.
In such uncertain times, Dave and Reb encourage listeners this morning on "Let's Talk Money" to dig into the promises of God, and become aware of what is happening in their finances.
No matter the scale of the celebration, plans needed to be made by parents in the Reesor community, and years later by my parents as we - their children - grew and celebrated the merriment of the season with immediate and extended families.
Now that we have accepted summer is over, Dave and Reb tackle the topic of planning ahead on today's "Let's Talk Money" podcast.
Every year at this time, as September begins, fall comes, and school starts, we set our sites on canning and preserving for the winter. It’s kind of in my blood.
On today's podcast, Rev. Ray Borg from Financial Discipleship Canada and notmine.ca leads Dave and Reb in a discussion of a beautiful Old Testament story of care, love and provision that has a lot of principles to encourage listeners today.
I’d tried many years to manage my financial affairs only to find myself deeper in debt with every passing year. Finally, I surrendered to the fact that I needed help.
Dave and Reb welcome More Than Enough (MTE) Coaching Client Sandy Kingston to today's podcast "Let's Talk Money" to talk about being unleashed from debt.
How do you want to be remembered? What are you leaving behind? This is the second of three blogs that consider legacy and what we leave behind.
At a time when people are grappling with many economic and financial situations in their families and homes, Dave and Reb thought it would be timely to talk about the Financial Coaching offered by More Than Enough Financial.
Lynne Dixon passed into eternity this summer. Many of you won’t know her. Some of you might. In my heartfelt opinion, she left the earth a little too early. There was more life for her to live and to give.
Natalie Rowe is a woman who wears many hats. She is a mother, financial coach, author, and friend.
Financial Coach and Author Natalie Rowe joins Dave and Reb on "Let's Talk Money" today to encourage people in this pandemic environment, as they contemplate career transitions.
On today's "Let's Talk Money with Dave and Reb", the podcast co-hosts talk about returning to the essential issue of loving God, and how that manifests in our finances.
On today's "Let's Talk Money" podcast, Dave and Reb talk through some of the current events happening this week around the world, as well as how people are starting to re-evaluate and adjust their goals, values and plans based on these events and the season we find ourselves in.
If some of you are feeling like money is a "necessary evil" and you don't know why you feel hatred towards it, then today's "Let's Talk Money with Dave and Reb" is the podcast for you.
Pastor Ray Borg joins Dave and Reb on "Let's Talk Money" today to talk about two Kingdom of Heaven parables that Jesus gave to His disciples.
On today’s show, Dave and Reb take a quick look at some of the changes occurring in the Ottawa area due to the continuing Covid-19 restrictions.
On today's "Let's Talk Money with Dave and Reb" podcast, they look at how our Covid-19 lockdown has influenced our growing use of online shopping, online payments, mobile pay, credit cards and debit cards.
What do you do when you know something needs to change in your finances but you don't know where to start?
We are only a few days from Canada Day, and it is the first time in many years that we are not celebrating our national birthday on Ottawa’s Parliament Hill.
Last week, I wrote my thoughts about giving. This time, I want to look at the topic of receiving -from God and others.
Giving and receiving are big subjects, and ones that have so often been tainted by wrong motives, or manipulation on both sides of this topic. So, I'm going to just wade right in and give you my thoughts!
Dave and Reb welcome Abbotsford Pastor Pam Dyck back for the second week in a row on "Let's Talk Money". On today's show they talk about the importance of asking for help, and how our pride can keep us from asking.
Long-time friend and Pastor Pam Dyck from Abbotsford, B.C., joins Dave and Reb in a discussion about becoming cheerful givers, and how the western church has been shaping our ideas about giving to God.
Dave and Reb speak to regular guest Rev. Ray Borg from Financial Discipleship Canada (FDC) on today's "Let's Talk Money" to get an update on what FDC is hearing and seeing across the nation in this time of Covid-19.
The New Normal. It’s hard to miss that catch phrase these days, as we enter the re-opening phases of our economy and society as a whole.
The "new normal" seems to be a catch phrase for these days of adjustment to an environment of physical distancing. On today's "Let's Talk Money" show, Dave and Reb look at ways of intentionally creating a "new normal" in your finances especially in how Covid-19 and the lock-downs have affected so much of our personal lives and global economy.
On today's "Let's Talk Money" show, Dave and Reb get an update from More Than Enough Coach and Tax Specialist Bron Vasic regarding the current tax season and how Covid-19 has changed deadlines and attitudes at Canada Revenue Agency.
On today’s show, Dave and Reb speak with Rev. Ray Borg of Financial Discipleship Canada and notmine.ca about the meaning and context of the story of the widow who gave all she had in the temple courts.
Dave and Reb encourage listeners on "Let's Talk Money" this morning with truth from God's Word found in Matthew 11, Psalm 121 and Jeremiah 17.
It is the year 2020, and never have we had more need for 20/20 vision. That means that in these uncertain times of economic instability and health scares, we need eyesight that brings clarity and wisdom.
Credit Counsellor Debbie Doyle from Doyle Salewski Inc., Licensed Insolvency Trustee, speaks with Dave and Reb on Let's Talk Money today and shares the journey they have been on with Canadians struggling with debt, in this time of Covid -19, physical distancing, and economic slow-down.
I am sitting here praying. Asking for words to encourage you in your financial and spiritual journeys in this time of craziness: living experiences we have not lived, seeing things we have not wanted to see, and hearing words we can’t believe we are hearing.
In an effort to keep up with what is happening in the housing market, Dave and Reb speak with Mark Wilson from Royal Lepage Performance Realty on today’s podcast. With the coming of Covid-19 and the economic slowdown that has resulted, the housing market took a noticeable shift in the National Capital Region. January and […]
"You qualify!" Those may be the words you long to hear when looking to buy a home, but on today's show mortgage agents David van Noppen and Susanna Penning discuss why the words "Yes, you can afford it!" are the ones you really want to hear!
My days are full – when not doing the regular administrative part of my job, I’m searching the internet for information on incentives being offered by governments and global business.
Frankly, I am so thankful that we are heading into warmer weather. It is a gift of God’s grace to keep our hearts filled with the hope of life.
On today's show, Dave, Reb and Rev. Ray Borg of Financial Discipleship Canada discuss this act of worship and love, and the attitudes condemning it.
Coming out of a year of grief and loss, you start to think that you can’t take much more bad news or heartache. Then, the global pandemic hits and you realize that circumstances don’t discriminate. Neither does disease.
Due to the effects of the current global economic and health crisis, Dave and Reb encourage listeners of "Let's Talk Money" to trust God, have hope, and look at the financial uncertainty ahead from God's perspective.
In the wake of COVID-19 and the daily updates and barrage of information being dispersed, we are writing to you to help make sense of some of the confusion.
Stay calm, and do the next right thing. Last week I told you about my friend in Bergamo, Italy who took in her friend who was panicked, sick and had children to care for. From her quarantine, she shared with us that staying calm is essential in these days of uncertainty.
Dave and Reb invite Kingdom Advisor’s National Director Lorne Robinson to today's "Let's Talk Money" show, as they look at the effects of the pandemic on markets and personal finance.
The extraordinary events and circumstances taking place today have not been seen in any time in our written history.
She is in the midst of the COVID-19 crisis, and is a few days further down this crisis path than we are. The numbers coming out of Italy are alarming. She has been socially distancing for weeks, but now, despite concerns for her own health, she is reaching out to a friend in need.
In response to the government’s guidelines and initiatives, More Than Enough Financial is taking proactive steps to help reduce the spread of COVID – 19. Our offices are closed to the public, but we remain fully operational. Thankfully we operate in a highly mobile environment and we are fully equipped to work remotely. All our meetings […]
Dave and Reb welcome financial advisor Brent Vandermeer from Crosspoint Financial, an Ottawa-based company, to talk about what it means to research environmental, social and governance policies in business, and how that affects personal investment strategies.
Continuing the discussion around reference points on "Let's Talk Money" today, Dave and Reb look at the topic of purpose in our lives and how purpose is a strong, long-term motivator in our financial journey.
At the end of 2019, CIBC and Manulife Financial surveyed Canadians on their views on debt.
In an effort to understand the money stories and parables found in Scripture, Dave and Reb invite Rev. Ray Borg to discuss the parable of the talents on today's show.
At More Than Enough Coaching, one of the essential financial habits we teach is encouraging people to have a financial date with their spouse, or if they are single, with themselves.
Happy Valentine's Day! On today's show, Dave and Reb talk all things dates and finances.
So, what’s your story? Our life is FULL of story. We speak in story, think in story, live in story.
On today's show, Dave and Reb revisit the topic of reference points and look at how our money stories, and where we come from financially, need to be understood so we can have a healthy financial reference point from our past.
In an unlikely Biblical story, Dave and Reb find a source of financial encouragement on today's show.
Regular guest Rev. Ray Borg joins Dave and Reb on "Let's Talk Money" to review the bible study resources available through Financial Discipleship Canada's ministry arms Compass Canada and notmine.ca.
In further conversation today following last week's show, Dave and Reb dig through the topic of Kingdom Investing: where to start, and how to invest in kingdom priorities with our time, resources, finances, relationships and opportunities.
Lynn Fraser, former owner of More Than Enough Financial, joins Dave and Reb on today's show to share about her journey in Southeast Asia and how Kingdom Investing has changed her life for the better.
At the start of this new year, Dave and Reb look at the reference points in our lives that can encourage good financial decisions, but also those that don't.
It's the end of the year, and Dave and Reb look back on 2019 with Rev. Ray Borg from Financial Discipleship Canada.
Dave and Reb talk about the heart issues around money today, specifically in light of this Christmas season.
Today in this Advent season, I think of King Ahaz’s refusal to ask for a sign, even when God tells him he should. And like the beautiful, majestic and all-knowing God He is, He gives the word of Hope anyway through the prophet Isaiah.
Dave and Reb love hearing stories, and on today's show Sean and Roz Woodland share their spiritual and financial journey based on a proverb they love from Proverbs 15:22: "Plans go wrong for lack of advice; many advisors bring success."
On today's show, Dave and Reb speak with Kingston mortgage broker Jeff Stafford about how to "prepare, prepare, prepare" for buying a home in a very "hot" market.
Ottawa Mortgage Broker Susanna Penning joins Dave and Reb on Let’s Talk Money today to talk about what you need to prepare for buying a home, or renewing your mortgage. In each client conversation, Susanna discusses property, down payment, credit score, employment and job stability, and cash flow affordability. Property has to do with the […]
As part of November's theme topic "Being Prepared in Your Finances", More Than Enough tax specialist and business coach Bron Vasic, helps Dave and Reb unpack how people can get prepared for the 2020 tax season which is just around the corner.
Black Friday and Christmas sales are coming but are you prepared? Dave and Reb continue their month long theme of preparing financially, and look at the upcoming season of spending
f any of you have hung around our More Than Enough Financial offices in Ottawa, you have heard a few one-liners that David - our head coach and CEO - likes to use to remind people to stay out of financial debt.
Dave and Reb are talking about Preparing Yourself Financially during the month of November, and today they start with a focus on some of the "Daveisms" or phrases that float around the More Than Enough office.
What does it mean to you to be generous? Is it writing a cheque to your local church or charity?
On Let’s Talk Money today, Dave and Reb look back at their two month focus of prayer and finances that highlights our daily walk with God, and many stories of how God answers our financial prayers.
Today is a very special episode where Ray Borg interviews your favourite hosts of Let’s Talk Money: Dave and Reb
Thanksgiving brings a time for us to consider what role gratitude can play in our finances. Today, Dave and Reb on Let’s Talk Money, detail how gratitude can be a tool in your finances.
If we are not at rest then we need to ask ourselves why and what we are going to do about it. When it comes to our finances, discontent leads us to spend more than we have on things we don’t really want.
Two special guests, Monica Fife and Nanda Wubs, join Dave and Reb on Let's Talk Money today, to tell of God's leading and provision.
Today, Rev. Ray Borg from Financial Discipleship Canada helps Dave and Reb dig through the Lord's prayer and how it relates to finances.
These tips are only the beginning of learning to live free but the key is starting now. Don’t avoid the pain but rather press into our God for deliverance.
The following blog was written by More Than Enough Financial Coach and Mortgage Agent Bruce Osborne. His story is one that many of us can relate to. Please read and respond. We would love to hear from you. I am constantly looking at motorcycles that I can’t afford to buy. But before I explain myself […]
With this month's focus on prayer and finance, Dave and Reb invite friend and former owner of Salem Storehouse, Doug Sprunt, to share the prayer and financial journey of Ottawa's former Christian bookstore.
Today, Dave and Reb are introducing a series of radio shows that will encourage listeners to pray and talk to God about their finances.
More Than Enough Financial Coach and author Natalie Rowe joins Dave and Reb on “Let’s Talk Money” today and shares her passion for seeing people succeed in life by operating in their giftings, and meeting needs around them. In her new book, S.E.T, Proceed and Succeed in Your Career, Natalie shares strategies to overcoming obstacles […]
This is a battle for your heart, not your wallet or bank account!” What is financial breakthrough? Many of us, in Christian circles, hear those words occasionally, but what do they really mean? This week, Dave and Reb look at this topic in light of King David’s struggles and victories in ancient Israel. How did […]
Get Gripped! Whatever grips us, drives us. The key to changing the world is being gripped by eternal principles which inspire us to live beyond our current reality. Business people and entrepreneurs sometimes feel they only go to work, but John Rinehart wants each of us to recognized our ability and potential to use our […]
Friends of mine recently drew my attention to a verse I had never seen before. Proverbs 6:5, which says, “Free yourself, like a gazelle from the hand of the hunter, like a bird from the snare of the fowler.” As you read from the beginning of the chapter, you can see that this verse relates […]
It takes Gazelle intensity to get out of debt, we have heard Dave Ramsey say. And on today's show Dave and Reb speak with Rev. Ray Borg about what that looks like in every day life.
Matt Reynolds, from First15 devotional ministry, joins Dave and Reb on the radio show today to talk about what it looks like when we put God first in our finances.
We are so excited to have a guest blogger today! This devotional was originall published on First15 by Matt Reynolds and he has given us permission to post the blog here. To see the original post please visit https://www.first15.org/04/26/worshiping-god-through-your-finances-part-2/ My name is Matt Reynolds, and I’ve been serving alongside Craig at First15 for the last several years on the operational side of things. I’ve always been fascinated by the relationship between following God and managing our money, and I’m honored to get to share a little bit more about what I’ve learned […]
After last week’s discussion about the Canadian Railway System, Dave and Reb continue their conversation by looking at the practical steps involved in laying financial tracks that lead to financial freedom.
Reb recently took a train across part of Ontario, and this got her thinking about the effort, the work, the hardships, the planning, and the dreaming it took to fulfill this grand project.
Rev. Ray Borg from Financial Discipleship Canada, and notmine.ca joins Dave and Reb to unpack what it means when God says in the book of Proverbs that the "borrower is slave to the lender".
Dave and Reb take one key of financial fitness on today’s show, and discuss how it can help people “plan what they spend, and spend what they plan.”
On today's show, Dave and Reb look at the practical details around planning and saving for your vacation.
After spending a show talking about credit profiles a few weeks ago, today Dave and Reb look at the three things needed to prepare for getting a mortgage to buy a home.
What do you in the deadness of your flesh, in your life of surrender to Him, when you have left all to follow Him, but you don’t see God answering prayers the way you thought He would? You long to serve Him. You long to live the stories you read in Scripture, but where you […]
On today's radio show with Dave and Reb, Ashlyn Stanley and Mercedes Veselka share their wedding day preparation stories, and how their special celebrations didn't break the bank.
Rev. Ray Borg from Financial Discipleship Canada joins Dave and Reb today as they delve into 'money talk'. Although it is what Dave and Reb do every day of the week, having conversations about money is not always easy.
After hearing from two of their children last week, Dave and Reb have a conversation on today’s show about how to teach your children and families about financial stewardship.
"Let's Talk Money" welcomes very special guests to the show today, as Dave and Reb talk with their children Hope and Justus van Noppen about what they learned about money growing up in the van Noppen home.
On this Good Friday, when we reflect on the suffering, death and resurrection of Jesus Christ, Dave and Reb welcome a guest who has a very special way of depicting Jesus and the stories he lived and shared 2000 years ago.
If you want to find out what financial investing is all about, this is the show that will get you moving in the right direction.
Financial Advisor Brent Vandermeer from Ottawa-based CrossPoint Financial joins Dave and Reb to talk about what a financially resilient household can look like.
What will it take for you and I to commit to financial literacy and healthy financial habits? What will it take for you and I to commit to true discipleship?
Please note the best method for vehicle expenses is using the regulated Canada Revenue Agency method.
Local Pastor Mike Hoogeboom joins Dave and Reb this week to share the journey his church and community have experienced since the tornadoes hit the Ottawa area last fall.
On this week's show, Dave and Reb speak about financial fitness with their friend Melissa Bolster.
Financial Advisor Tim Jenkins joins Dave and Reb to talk about what legacy means in light of eternity.
What does being behind the eight ball mean? The dictionary says that it is “an unfavourable or uncomfortable position”.
Chartered Accountant and More Than Enough Entrepreneurial Coach Bron Vasic joins Dave and Reb on today's show to talk about pitfalls that keep entrepreneurs "behind the eight-ball" in their personal and business finances.
this week's show, Dave and Reb revisit their conversation with Rev. Ray Borg of Financial Discipleship Canada, looking at the decisions that draw us closer or further from the presence of God.
On this week’s show, Dave and Reb take a look at what it looks like to be "successful" and how we need to check the motivations of our heart when we define success, especially in light of how and what we give our money to.
FACE your finances! It takes courage and facing your financial reality allows business owners to make better decisions in their business by knowing what is coming in and what is going out.
More Than Enough Entrepreneurial Coach Bron Vasic joins Dave and Reb as they talk about the stress and challenges that entrepreneurs face especially as they navigate the Canadian taxation landscape.
Dave shares this advice with people again and again, and on today's radio show, “Let’s Talk Money with Dave and Reb”, they look at how our spending decisions can bring us closer to God our Father, or away from Him.
Are you wealthy or just rich? Unfortunately, most people confuse having money with being wealthy.
Tim suggests completing the sentence “Wealthy is the person who…”, tune in to hear how he completes it!
It's the first show of 2019 and Dave and Reb encourage listeners not just to make financial resolutions, but to instead resolve to make a change.
It's the last show of the year and Dave and Reb look back on the year and reflect on God's faithfulness.
I keep coming back to the words of our business – More Than Enough. “You’ve got more than enough.” “God is more than enough.” “I have given you more than enough.” What do these words really mean? In a time when I am feeling like I am not enough for myself or others, I am […]
Dave and Reb read from the Gospels of Matthew and Luke on today's show to share the Christmas story of the birth of our Saviour Jesus Christ.
Pastor Ray Borg from Financial Discipleship Canada joins Dave and Reb on “Let’s Talk Money” as they share some of their favourite financial and spiritual books and resources that have helped them on their spiritual and financial journey with the Lord over the past years.
It’s all about the books we love! On this week’s “Let’s Talk Money with Dave and Reb” podcast, Dave and I had the chance to spend 30 minutes talking with Rev. Ray Borg from Financial Discipleship Canada about the financial, spiritual and transformational books that have influenced us in the past few years. Of course, […]
Online teacher, financial advisor and entrepreneur Jason Lindsay loves challenging young people and igniting their passions. Through an online educational service called Young Entrepreneurs of Canada, Jason Lindsay teaches teenagers how to take an idea and turn it into a business. On today’s radio show, he joins Dave and Reb to share the ins and […]
Dave and Reb unpack the history of North America's Black Friday shopping day and the numbers behind our spending habits on this weekend of sales during today’s show.
Ottawa Pastor Jeremy Hanscom once again visits Dave and Reb on "Let's Talk Money" to talk about how they are working through financial and building project obstacles at Calvary Pentecostal Church.
Dave and Reb reflect on Remembrance Day and the need for "remembrance" in our nation and individual lives.
Christmas is not a part of "emergency spending" but should be a part of planned, intentional saving and giving.
After living for over a year in Southeast Asia, former financial radio show host and More Than Enough partner Lynn Fraser talks with Dave and Reb about how living abroad has changed her perspective on what she really needs.
Sometimes it’s about the seed. Sometimes it’s about the soil. And other times it is about the weeds and other plants that choke, smother and strangle that good seed.
Changing Perspective with Lynn Fraser After living for over a year in Southeast Asia, former financial radio show host and More Than Enough partner Lynn Fraser talks with Dave and Reb about how living abroad has changed her perspective on what she really needs. She shares her journey of full dependence on Christ, and how […]
In this season of Thanksgiving, Dave and Reb remind us of the importance of connecting thankfulness with giving, and remembering the blessings and goodness of God in our past and present.
After coming through the tornadoes and storms of the past weekend, Dave and Reb have a conversation today about their own reactions to the warnings and the traumatic situations that have hit the Ottawa area.
Dave and Reb unpack this topic of discipleship and finances with Pastor Ray Borg from Financial Discipleship Canada. They uncover what it looks like in our finances to truly follow the teachings of Jesus as our Rabbi and our King.
Eight years ago Leesa Sola lost her husband. It was not the turn of events she was expecting, although death seldom is. The loss of her husband brought some serious circumstances to light that she couldn’t ignore. He had been taking care of all of their finances, and they had plans for their retirement only a few years away. With his loss, however, Leesa was now left to take care of finances and family all alone.
Today, Dave and Reb talk with Jacques and Chris Brisson, long-time coaching clients of More Than Enough.
I wrote the title over this blog and wondered if the statement is even true. Can a steward’s well be dry? If you have been reading my previous blogs on my thoughts on stewardship you will know we have been sitting in Jeremiah 2, where God tells Israel they have forsaken the Source of Living […]
On today's show, Dave and Reb talk about the two coaching programs offered through More Than Enough (MTE) Financial. It is the heart of MTE’s team to see people set free in their finances, but also in their relationship with God.
Practical Tips for Debt Reduction Dave and Reb look at a few of the practical steps needed to break free from debt, in this week’s show. Referencing verses from the book of Proverbs, they suggest running from debt as a gazelle runs from the hand of a hunter, and a bird from the birdcatcher’s snare. […]
It is gently raining this morning and I am sitting on my back deck watching it fall. It has been a hot summer and the first half of it has been very dry.
God is the Source. Really. He is. He is the source of our every breath. He is the way-maker in our lives. He is the loving Father. He is the precious provider of food, water, clothing and shelter. He is our hope-bringer and joy-giver.
Ray Borg from Financial Discipleship Canada shares the vision, passion and heart behind Financial Discipleship Canada (FDC) and the new website notmine.ca, with Dave and Reb on today's show.
The Truth about Payday Loans – Finding a Local Solution Dave and Reb welcome back guest Doug Pawson, Director of Social Business and Social Finance at Ottawa’s Causeway Work Centre to discuss the issues and trouble around payday loans. Doug shares with them how the Centre is working to help people who are bound to […]
It is time we steward and take care of the people, the relationships, the work, the land, the environment, the family, the faith community, and the villages that have shaped our existence. Mother Teresa, founder of the Missionaries of Charity in 1950, once said we need to stay where we are and meet the needs […]
Dave and Reb talk with special guest Doug Pawson, Director of Social Business and Social Finance at Ottawa’s Causeway Work Centre on today’s show. They discuss the opportunities and assistance available to people with mental illness through this not-for-profit agency, and how their Causeway Community Finance Fund is helping people gain freedom from payday […]
My only interaction with thoughts on stewardship came from my upbringing at church and hearing church sermons. I related the word to taking care of the earth – based on the book of Genesis – and giving money to the church, based on what, I am not sure. The tithing word probably got associated with […]
Back to School Talking and Planning Together It’s hard to believe but there are only six more Fridays before school begins. With August upon us, conversations around school and activities are important in our planning. Today, Dave and Reb talk about having family conversations that bring to light expectations and costs around activities, clothing, and […]
Without a doubt children are one of the greatest gifts from God but no one will argue they require a great deal of time and energy. As parents we want our children to have a successful financial future, but how do you train your kids to be financially fit? Be Intentional Parenthood is not passive. […]
Living and Giving to Value Others Looking with the eyes of Christ into the heart of people and their circumstances is an essential part of the heart of giving. Dave and Reb dig into this topic with Ray Borg of Financial Discipleship Canada, and together they discuss how important it is to value others. This […]
One Small Change On today’s show, Dave and Reb talk about how one small change can make a huge difference in your financial journey. Sometimes, this can mean hiding your credit cards and going back to using cash only. Sometimes, it is tracking your spending for a month and creating an eight-week spending plan. Sometimes, […]
Commitment to Debt-Free Living Today, Dave and Reb have a conversation around the commitment needed to get out of debt, and stay out of debt. They find themselves wandering into discussions around shame, intentional living and choices, and discovering the sin issues behind the burden of debt. They dig into the story and Scripture around […]
Time to celebrate! These are days of sorrow, challenges, heartbreak and trouble. However, these are also days of opportunity, growth, joy, and love. And it is time to celebrate. On Let’s Talk Money, Dave and Reb talk about the importance of celebrating, especially financial victories, no matter how small or large. In light of Canada […]
Have you ever heard the term ‘marketplace ministry’? Some Christian businesses coin the term to describe a business which honours Jesus first. The purpose of this article is to outline for Christian businesses what it means to truly be a ‘marketplace ministry’ or a place that puts Jesus at the forefront of your day to […]
It’s Not About the Money Dave and Reb continue a conversation today, that they started with Ray Borg of Financial Discipleship Canada in May. Jesus said you cannot serve God and serve mammon at the same time. Together they dig into this teaching to uncover what it looks like when we are serving mammon. Uncovering […]
It started with one thought, a man of action, and an old tire, and before I knew it, we had created a new fireside pit away from our forest of mosquito infested trees. We have had a great firepit the past 12 years on our rural Eastern Ontario property, but every summer we use it […]
Dave and Reb open a discussion on today’s show about how to live in “financial wholeness”. So many people ask for, or come looking for, the “silver bullet” or the “secret sauce” as Dave likes to say, for financial troubles.
To watch the Facebook live video with Brian, Dave and Reb check out this link: https://www.facebook.com/chriradio/videos/2152332531448763/ We have come to expect winter. The slush and snow and cold come every year and we smile, button up our jackets and start shoveling our driveways. But what about the winter of the soul? Do we expect to […]
Financial advisor Brent Vandermeer joins Dave and Reb again on this week's show to talk about estate planning and leaving a legacy for those you leave behind after death. He shares many great questions that get listeners thinking about what will happen to their properties, wealth, and families after they are gone. Together they come to the conclusion that estate planning is part of our role as God's stewards.
Financial advisor Brent Vandermeer from Vandermeer Wealth Management and HollisWealth joins Dave and Reb on today's show to talk investing, and the importance of finding an advisor you can trust. Together they look at God's teaching from Deuteronomy 8 and Matthew 7 about the importance of building a strong foundation in life and finances.
Financial Gain through Pain “There is no coming to consciousness without pain.” Carl Jung, Swiss psychiatrist and psychoanalyst As the saying goes there is no gain without pain, or as Jung has said, there is no coming to conscious awareness without feeling pain. Sometimes it takes pain to wake us up. The world is full […]
Need another reason to buy Natalie Rowe’s book S.E.T. Proceed and Succeed in Your Career: Winning Perspectives for Career Navigation and Success? Here is a sneak peak into Natalie’s perspective on how to win in your career. “Your career matters because you have the ability to meet needs. Each person was born with their own […]
Getting S.E.T in Career Planning More Than Enough Financial Coach and author Natalie Rowe joins Dave and Reb on “Let’s Talk Money” today and shares her passion for seeing people succeed in life by operating in their giftings, and meeting needs around them. In her new book, S.E.T, Proceed and Succeed in Your Career, Natalie […]
It’s Not About Money Regular guest Rev. Ray Borg joins Dave and Reb in today’s discussion about God and mammon. In a recent book Ray co-wrote with colleague Jan Kupecz called It’s Not About the Money – unmasking mammon, they bring to light the words of Christ from Matthew 6:24 and Luke 16:13 warning people […]
Most of us only think about our mortgages twice: once when we purchase and again at renewal. Unfortunately this often means we lack strategy throughout the life of our mortgage which can cost us money and prevent us from paying down the mortgage as fast as possible. Here are some of our favourite ways to […]
It’s Time to Prepare Your Will The discussion of “spring cleaning your finances” continues on today’s show, as Dave and Reb interview Ottawa lawyer Ian McLean on a subject dear to his heart – preparing your last will and testament. According to statistics that Ian shares on the show, 50 to 60 per cent of […]
Spring Cleaning Your Finances Dave and Reb start a month-long series today aimed at motivating you, to not only spring clean your house, but your finances as well. They encourage listeneners to “open the window on their finances” and let some fresh habits and fresh thinking infiltrate what has happened over the winter. Reconnecting with […]
From Winter to Spring Award-winning singer-songwriter and worship leader Brian Doerksen joins Dave and Reb on the show to encourage people on their spiritual and financial journeys. Brian recently released the album “Grateful” following a number of years in what he calls a season of winter in his life, when he thought his gift for […]
Our call, as God’s children, is to be content with what we have. In the book of Hebrews, God tells us to keep ourselves free from the love of money and be content with what we have, for He Himself has promised never to leave us or forsake us. (See Hebrews 13:5) He also says […]
Let’s Talk Money’s regular guest Ray Borg joins Dave and Reb today to introduce Compass Canada’s new overseeing ministry of Financial Discipleship Canada (FDC). As FDC’s Ministry and Church Liaison, Ray says the ministry is a voice for discipleship in the church today. It is the covering for the ministries of Compass Canada, the […]
Entrepreneurial coach Bron Vasic joins Dave and Reb in looking at the difficulties and the planning needed when going through vocational changes. In doing so, they also look at how God shepherds us in every season of our lives, including job changes. The book referenced in the show is called Grit, written by Angela Duckworth. Turn to […]
Being Shepherded by God Personal Reflections from MTE coach Bron Vasic We were talking about Psalm 23 on today’s radio show Let’s Talk Money with Dave and Reb on CHRI. Dave and Reb were discussing the beauty of being shepherded by God, and as I took part in the discussion I was reminded of God’s […]
Dave and Reb welcome longtime friend, musician and children’s teacher Bonnie Wallace to the show this week. Together they look at how, in the midst of life’s uncertainties and storms, we can trust God to be “more than enough’. The words “more than enough” are often heard in churches, in worship music, and at Dave […]
Considering the Heart of Judas On this Good Friday morning, Dave and Reb invite Compass Canada’s Director Ray Borg into a conversation regarding the heart motivations of Judas Iscariot, one of Jesus’ twelve disciples who betrayed him for 30 pieces of silver. Together they look at John 12:1-8, which outlines the story of […]
Coming to the Garden This blog is not the same as others you have seen on the website, but it does beckon you to bring the cup of your sorrows into the Garden where Jesus is. He calls us to come – in the midst of our life’s challenges, financial ones included. On […]
Practical Finance Sometimes I am so focused on the heart issues around money, I forget the practical stuff. Just ask our kids. At home, David and I are often found analyzing, talking about, or uncovering some teaching, or understanding we are discovering about our hearts and money. If there is some profound Scripture that […]
Keys to Talking Money in Your Marriage The emotional baggage we carry into relationships is sometimes not easy to understand, especially around marriage and finances. On today’s show, Dr. Grant Mullen, a mental health physician from Grimsby, Ontario talks with Dave and Reb about the hope people can find in their marriages when they […]
The Heart of Giving with John Kerr In the first century church, followers of The Way discovered the heart of giving in ways many of us do not understand today. On this week’s show, Dave and Reb continue their discussion with retired financial planner John Kerr about what motivates us to give, […]
Giving from Your Assets Giving from assets, as well as cash, are ways that Canadian families can give to local, national, and international charities. You may not have heard of “in-kind” donations, but on this week’s show Dave and Reb talk with retired financial planner John Kerr about this charitable giving option. Cash donations […]
The Entrepreneur’s Journey Being an entrepreneur is no easy thing. There are challenges, joys, sorrows, ups and downs. In today’s show, More Than Enough Entrepreneurial Coach Bron Vasic talks with Dave and Reb about how entrepreneurs can “do business God’s way”. Bron points out to listeners that often times, the focus of earning money gets […]
February 23, 2018 What do you do when you worry about money? On our radio show this week, Dave kindly reminded me that I flip into problem solving mode. I try and think through every angle possible and try and manipulate our “envelope” system to cover what is necessary, or try and think up ways […]
What to do with worry Over 2000 years ago, Jesus told us not to worry about what we would eat or drink, but to trust in the love and care of our Father in Heaven. On today’s radio show, Dave and Reb talk with Rev. Ray Borg from Compass Canada about the anxiety we […]
Words like Gold “A word fitly spoken is like apples of gold in silver.” – Proverbs 25:11 If you want to be rich, simply speak a good word in the right place and right time. Scripture speaks clearly to us that we are to speak kind words that build up one anothe r. These […]
Credit and Consolidation Understanding the importance of your current credit rating, and what it really means to consolidate debt, is essential in navigating your financial journey. On Let’s Talk Money this week, Dave and Reb define credit, credit scores, and what consolidation means. If you are interested in buying a house through a lender in […]
Fear and the Canada Revenue Agency Tax specialist and entrepreneurial coach Bron Vasic joins Dave and Reb this week to encourage listeners to think clearly about paying taxes, being compliant with the Canada Revenue Agency (CRA), and filing taxes on a yearly basis. Often people are afraid of CRA because they have avoided filing their […]
You may be having one of those “country song” days: your wife has left you, the tires are flat, there’s no heat in the house, and the dog has died. Okay, maybe it is not that bad, but it may be one of those days. Discouragement and despair are knocking repeatedly at the door and […]
Mortgage regulation changes in 2018 There are more mortgage changes taking place in our current Canadian reality. As of January 1, 2018, Canadians need to have a larger down payment on a home or they will qualify for “less” home than they would have just a few weeks ago. The Mortgage Advisors’ owner […]
Dave and Reb welcome regular guest Rev. Ray Borg to the show this week where they talk about the benefits of joining a Compass Canada bible study.
What is financial breakthrough? Many of us, in Christian circles, hear those words occasionally, but what do they really mean?
Change is upon us, whether we like it or not: kids grow up, parents age, our boss leaves, new laws are made. The list of changes facing us each day in our personal and professional lives can be endless, especially with the economic uncertainty at play in our nation. And we can either love change […]
At the beginning of this New Year, many of us are contemplating the changing scenery of our Canadian landscape, especially in regards to personal and national finances. Increased debt-levels and growing expenses are leaving some of us disheartened.
Several times in Scripture, God tells us that Mary, the mother of Jesus, took the experiences and words of others and “pondered” them in her heart. As I come to the end of this advent season, I realize that I too have been pondering in my mind and heart, perhaps some of the same things […]
Some of us have had a great year and are happy to talk about 2017. Some of us can’t wait to end this year, so we can start afresh in 2018. In this last show of the year, Dave and Reb talk about looking back over 2017 in relation to our financial journeys, so that we can start the new year with a clean slate.
On this week’s show Dave is wanting to talk about money, but Reb is putting her foot down, and is refusing to talk about finances, money or world global economies. In her opinion, “It is too close to Christmas!”
At this time of year, Christian Advent celebrations ring throughout the nation’s churches. It is a time to reflect on the hope, the joy, the love and the peace of Christ. On this week’s radio show Dave and Reb, along with Ray Borg of Compass Canada, talk about the hope Jesus brings, not only into our spiritual lives, but our financial journeys as well.
It is that time of year again when preparing for the upcoming tax season is upon us. Here are some 2017 time sensitive reminders to help you on your way. They are taken from the recommendations put out by the Canada Revenue Agency. The Tax-Free Savings Account (TFSA) deadline is December 31, 2017 Unlike other […]
When we consider giving to charity or tithing to the church, we can naturally put giving on a graded-scale: some giving, we silently decide, is more appropriate, more important or simply of “better value” in the eyes of God than others.
Getting Ready for Tax Time with Bron Vasic! Bron Vasic, entrepreneurial coach and tax specialist at More Than Enough Financial Fitness, joins Dave and Reb in talking about the upcoming income tax season for 2018. Many people aren’t comfortable talking about taxes, but together these financial coaches tackle practical tools that can be used to […]
It is that time of year again, when American Thanksgiving has led us into Black Friday and Cyber Monday shopping and sales. Dave and Reb talk about “planning what you spend and spending what you plan” on this week’s podcast.
Being a part of a radio show is not something I ever imagined, or even thought I wanted. After four years at Carleton’s School of Journalism, I knew writing and newspaper reporting were more my idea of fun, than radio or television journalism. That graduation happened many years ago, and so much has changed in […]
Simplifying our lives is not always an easy task. Some of us find ourselves doing it voluntarily as we downsize or get rid of the possessions that fill our homes.
My wife and I were feeling very overwhelmed with all that was in front of us in terms of our yard work. There were many factors that put us behind the “eight-ball” so to speak. After much discussion and knowing what we could do and not do from a time perspective, we made a key […]
At this time every year, Canadians turn their hearts to remembering and honouring military veterans and personnel who have fought, and continue to fight and protect our nation, communities, neighbourhoods and families.
Do you want financial independence or financial freedom? In our world of words and semantics, you may be wondering what the difference is. Dave and Reb talk this week with financial planner and advisor Tim Jenkins to uncover the difference. “Financial independence is often associated with a dollar amount,” says Tim. “It is implied that […]
By Tim Jenkins I believe financial independence is impossible. Though most people pursue it; I certainly did in my early years of business. However, I now believe something better is possible. Financial independence is heavily promoted by the financial industry. It’s that place in life where we “arrive”, have enough and are secure. Financial planning […]
At our More Than Enough office, we often hear ourselves, and our clients, slip into some verbal language that envelops a whole belief system of entitlement. I deserve. I have the right to. I earned it. What is Good I work hard and so do you. I earn what I have. The Bible says […]
Regular guest and Compass Canada Executive Director Ray Borg joins Dave and Reb in a conversation about planning for our children’s post-secondary education, and what it means financially when aging parents are helping fund their children’s education and mortgages. According to Ray, Compass Founder Howard Dayton is a strong advocate of saving for post-secondary education […]
Difficulties and Shame of Bankruptcy In the second part of this series on bankruptcy, Dave and Reb continue their conversation with Debbie Doyle from Doyle Salewski Inc. This week they touch on the heart issues around this difficult subject. As in many stories of debt and bankruptcy, shame and embarrassment are part of the […]
My girlfriend was heading to the cottage recently located on a very quiet and beautiful lake just past Perth. I had been there on a previous trip so I knew her destination well. I wasn’t jealous, but I was looking to the distant future when I could be “off and away” again. My “off and […]
Nuts and Bolts of Bankruptcy Bankruptcy and insolvency can be a tricky topic surrounded by misconceptions. On “Let’s Talk Money”, Dave and Reb discuss the nuts and bolts of the issues with Debbie Doyle from Ottawa’s Doyle Salewski Inc. She has been in the business for many decades and has years of experience in helping […]
Pressing Pause this Thanksgiving It is time to take the remote control of your life in hand and press pause – press pause on frantic activities, preparation, worry and anxiety. Press pause and give thanks. At this special time of year, when many people gather with family and friends to celebrate God’s goodness and provision, […]
Responding in Uncertainty Dave and Reb engage entrepreneurial coach Bron Vasic this week on “Let’s Talk Money” in a conversation about trusting God in the midst of an uncertain world. In response to proposed tax changes by the Canadian government, slowly rising interest rates, and policy changes in our nation, these More Than Enough financial […]
Ray Borg of Compass Canada helps Dave and Reb dig into the words found in 2 Corinthians 8 that reveal God’s heart for equality amongst His people.
In their second interview, Dave and Reb talk about mortgage advice with The Mortgage Advisors’ (TMA) broker and owner Christa Tessier. This week they discuss the fear and anxiety that has been caused by the recent rise in interest rates and the words used by media outlets to describe it.
More Than Enough Financial coach and mortgage agent David van Noppen took a leap recently that sent him free-falling from 9000 feet above the earth. After falling from the plane for 30 seconds, his tandem partner pulled the ripcord, opening the parachute. Within minutes he was walking again on solid ground. It was one of […]
On this week’s podcast and radio show, Dave and Reb take a look at mortgages and the changes that have come to the industry in Canada over the past 10 months.
What is the best way to go about obtaining a good credit score? Credit has become an important and often contentious issue in our society. Getting and maintaining a credit rating is becoming increasingly important for those who wish to purchase a home. Establishing a Credit Rating It Takes Time. To establish a good credit […]
A Life Impacted by Gospel Patrons David Beking from Beking’s Poultry Farm located just outside of Ottawa, joins Dave and Reb on “Let’s Talk Money” this week. But they aren’t just talking eggs. In fact, they are continuing a conversation that began with Gospel Patrons author John Rinehart over the past two weeks. This book […]
Sometimes as business people, we can feel like second rate Christians. The Church often displays those ‘in ministry’ without emphasizing the role of those whose call is outside the confines of traditional ministry opportunities. In John Rinehart’s book Gospel Patrons, a gospel patron is defined as someone who is generously involved and personally engaged in […]
In part two of this series on Gospel Patrons with guest author John Rinehart, Dave and Reb continue a conversation about the ministry of gospel patrons which demonstrates how the church can embrace the concept of a gospel patron even in our modern world.
Becoming a Gospel Patron Many Christians have heard the names of John Newton, George Whitefield, and William Tyndale. However, not many have heard of the people or financial support behind these names. In his book Gospel Patrons, John Rinehart unfolds the stories of the men and women who supported these great men of faith so […]
Dave and Reb draw on God’s Word, and stories from the Lord of the Rings to encourage listeners on their financial journeys in today’s show. Ray Borg from Compass Canada join them and share special verses that have impacted his financial story.
This week, Dave and Reb draw your attention to the needs of this time of year with back-to-school shopping, sports activities and other school needs.
As a student, August always seems to surprise me! Preparing for the new school year can be both daunting and exciting, especially for university students as we see our tuition costs climbing. Here are some of the things I do to prepare which makes the school year run more smoothly! Sit Down with a Spending […]
So what’s the point? The point of getting out of debt? We have spent four weeks talking about the “Why and How of Debt” on “Let’s Talk Money with Dave and Reb”, and I sit here wondering if debt is something that we really understand. It strips us of freedom, burdens us, and leads us […]
On this week’s radio show, Dave and Reb look at what debt really is, according to the Word of God. Dave says debt is not a sin, but God clearly tells us it is a burden, and we should avoid it at all costs.
On “Let’s Talk Money” this week, Dave and Reb talk with Compass Canada’s Ray Borg. Together, they dig into these issues, alongside Psalm 34 which tells us to “taste and see the Lord is good”.
In the second show of the series, Dave and Reb talk about coveting and contentment and the journey from a heart of complaint to a heart of gratitude. Coveting, envy and jealousy often lead us into financial trouble and debt because we will pursue what others have, even when we don’t have the money.
Dave and Reb start a month-long conversation about why we get into debt and how we can deal with our hearts as we tackle getting out of debt.
Dominion from sea to sea It’s our Canadian motto. From sea to sea is inscribed in the stonework of Parliament Hill – A Mari usque ad Mare – a reminder of the vastness of our nation, a reminder of the words of God that inspired that motto, and a reminder that God cares for, and […]
This week Conservative MP and National Caucus Chair David Sweet joins Dave and Reb on “Let’s Talk Money with Dave and Reb” to talk about God’s faithfulness to Canada as we celebrate her 150th birthday. Their conversation also touches on the Canadian family, and the financial challenges they are facing.
This week on “Let’s Talk Money with Dave and Reb”, the hosts look at dozens of stereotypical and not-so-stereotypical ways you can celebrate Canada’s birthday. If you are eating poutine, Kraft Dinner, Beavertails, or a Jos Louis or visiting museums, the Thousand Islands, Parliament Hill or Canadian tire, or you are throwing a 150 Party - whatever you do - Dave and Reb want to encourage you to do it with family and friends and community.
Dave and Reb talk with Ray Borg from Compass Canada about how to experience a vacation as a time set apart, not only with family, but with the Lord.
Dave and Reb continue the conversation this week with their daughter Mercedes as they talk about living the university life and what that means for stress and anxiety levels as students live off loans and grants, while working part-time jobs.
Mercedes van Noppen, More Than Enough social media director and daughter of Dave and Reb, talks to parents and peers this week on the radio show about creating an understanding financial environment for money conversations in their homes.
After their three part series on fear and finances, Dave and Reb talk together about a subject related to fear: financial fatigue.
Community in the midst of fear Community. Fellowship. Living in relationship. Dave and Reb talk with Ray Borg from Compass Canada this week about how these three things help combat fear in our financial journey. Gathering with others to talk about our own financial journeys can be scary, but once we are part of a […]
The Loop released a list of 150 awesome things to do in Canada to celebrate the 150th birthday of our country. You can see their full list here. We have shortened this list to 50 things you can do in Ottawa this summer! Watch the fireworks in Ottawa. The excitement, beauty and noise of […]
As a student, I’m all about the tricks of the trade which make me smarter, healthier and more financially savvy! So here are some of the things I have picked up in my two years at university.They may not be bright and shiny but they gave me a sense of stability which I appreciated. Make […]
“Train up a child in the way he should go, and when he is old he will not depart from it.” Proverbs 22:6 As a child myself, I have seen this verse used to lay the burden of guilt and blame on parents whose children do not behave in the prescribed way. “They must not […]
Highway driving is fast-paced driving. And when I hit the road, it is very easy to drive the speed everyone else is driving. Before I know it, I am well past 120 kilometres and still speeding up. So many people pass me and before I know it, I start passing others. Highway driving can mirror […]
Matthew 6: 25-27 “Therefore I tell you, do not worry about your life, what you will eat or drink; or about your body, what you will wear. Is not life more than food, and the body more than clothes? Look at the birds of the air; they do not sow or reap or store away […]
Fear can keep us floating on the financial waters of anxiety, stress, passivity and lack of peace. This week Ellel Canada Regional Director Kent Bandy talks with Dave and Reb about what fear looks like in our financial journeys, and the importance of applying God’s love to these areas of trouble.
Our financial journey can often leave us feeling like we are a boat being tossed to and fro on the waves of life without a proper anchor. We can find that, what we once thought would carry us through financially, is only a mirage of safety and security. We pull up anchor, and there is […]
“Giving to God what is God’s” Jesus spoke about money and possessions many times when He walked the earth. He also answered questions about paying taxes to Caesar. On this week’s radio show, Dave and Reb talk with More Than Enough Financial coach Bron Vasic about the significance of Christ’s words: “Give back to Caesar […]
After talking about the meaning of Good Friday last week, Dave and Reb discuss how the Hope of the Resurrection can refocus our thinking when we are going through financial difficulties.
On this Good Friday morning, Ray Borg of Compass Canada joins Dave and Reb as they look at the significance of Good Friday and how repentance affects our lives, both spiritually and financially.
Bill Stevens and Dianne Van der Putten of Christian radio station CHRI 99.1 FM share the 20 year journey of God’s faithfulness with Dave and Reb on Let’s Talk Money.
On this week’s show, Dave and Reb interview Ottawa Pastor Jeremy Hanscom from Calvary Pentecostal Church where he tells the story of God’s provision for their church building project.
On today’s show Dave and Reb talk to Compass Canada’s Executive Director Ray Borg about the biblically-based resources that Compass Canada -finances God’s way provides for individuals, groups and churches.
It’s time to change the question. It’s time again to collect the offering. For those of you unaccustomed to that word, it is the time when a plate or bag is passed around the church congregation, providing everyone the opportunity to give of their financial resources to God and the church. When the offering plate […]
Dave, Rebecca and Dan Massey dig into Malachi 3 and what it has to say about money and the Church!
Ever wonder how your pastor relates to money? Why don't we talk about money more in the church? This week Dan Massey comes to talk about his perspective on these important questions.
It is time for that date, and not just any date! It is time to sit down with your spouse or your kids, or your neighbours – okay, maybe not your neighbours quite yet – and start talking money. Money can be an inflammable topic that we want to avoid at all costs, but avoidance […]
It was a day I won’t ever forget. April 3, 2010 was a day I was called out to submit and serve our loving God in a way I had not yet done. I was seeking God for guidance on how, as His son and as a businessman, I was to pursue His Kingdom. His […]
Gail Vaz-Oxlade quote from her book Money Talks – When to Say Yes and How to Say No “The idea that money is the leading cause of problems in relationships is routinely repeated in the media. More than sex, more than children or in-laws, money is cited as the most common area of conflict. It’s […]
How do you communicate about finances? Dave and Reb give some tips and tricks for communicating well about money!
Dave and Reb have two very special guests on their Let's Talk Money Show this morning! Hear Ray and Arlene continue a discussion about communication and finances!
One of the deepest needs of a human heart is the need to be loved and this is no less true in our finances. The more secure we feel in our relationships the easier it is to talk about money. Dr. Gary Chapman, author of The Five Love Languages, views our love languages as an […]
“What? How can that be?” is a common refrain from people discussing their taxes and seeing their draft tax return, as they sit across the desk from us. “Things were basically the same as last year. It is impossible that I owe money this year.” There are many myths about taxes and tax time in […]
One Way Ministries Big Give Event is a wonderful event! Dave and Reb discuss details in this week's show!
What does it mean to be vulnerable? How does accountability help us on this journey? Dave and Reb discuss this in today's show!
By Bron Vasic Entrepreneurial Coach Timing is everything! I know everyone knows this saying and is has become a part of our everyday language in business and personal matters. It really is a truism when it comes to compliance matters with Canada Revenue Agency or other regulated departments that rely on getting information from business […]
What products and services do you offer? Knowing what services the financial advisor can provide will help you choose one that will meet your financial needs and is a good indication of the sophistication of the portfolio. Some more detailed questions are: – What do you specialize in? – Is there a particular type of […]
2016 tax filing is quickly approaching and while there are many methods to prepare here are a few suggestions for your personal income taxes. February 28, 2017 is the last day to make RRSP contributions that could be used for deduction on your 2016 income tax return. To confirm how much RRSP room you have […]
Brent Vandermeer talks with Dave and Reb about the question you should ask your Financial Advisor! Don't miss this show!
Not many people think about stewardship and estate planning in the same sentence. Some of us don’t even think about them in separate sentences. Neither of them are hot discussion topics in our church or social circles, and both can leave a bad taste in our mouths. According to Lorne Jackson, President of the Canadian […]
As we have finished the 2016 tax year end on December 31, here are some tax tips you might want to consider to help reduce your 2016 taxes: Charitable Donations The last day you can make a donation and receive a tax receipt is December 31st. Lots of charities accept online donations and offer electronic […]
Want some great tips for starting the New Year fresh? Dave and Reb have some great tips for you!
A Message from the Desk of David van Noppen In our finances we will always have difficulty making ‘cents’ of money without Christ. G.K. Chesterton argues in his work Orthodoxy that we need Christianity, specifically Christ, to make sense of the world. “A key and a lock are both complex — and if a key […]
Have you ever thought about the connection between gratitude and contentment? Sometimes on our financial journey, we spend more time complaining about what we don’t have than the many good things we do have. At More Than Enough, we hear all kinds of financial stories, many of them difficult and filled with pain. It is […]
What do you think of ending the old year and starting the New Year with gratitude? Check out Dave and Reb's discussion here!
Christmas time rolls around with it’s parties and expectations and sometimes this can leave us feeling overwhelmed. In this beautiful season of new life and excitement, how do we enjoy it instead of being overwhelmed by stress? Intentionality What really sucks the life out of us during this season is spending money we don’t have […]
Dave and Reb talk with Ray Borg, head of Compass Canada, about... you guessed it... money!
Greater love has no one than this: to lay down one’s life for one’s friends. Jesus, over 2000 years ago Sacrifice is a word that we see in action every day of our lives. Many of us have mothers and fathers who have given up their time and money so that we could play hockey, […]
Today is the first day! Join Dave and Reb as they talk about money and open important conversations about money!
Am I making the right decisions with my money? This is a question we hear over and over again. No matter how much income or how financially secure someone appears to be, there seems to be a constant fear when it comes to managing our finances. Circumstances do not create fear and anxiety around money. […]
If you are reading this, think about what a blessing it is to have the ability to read! You have eyes to see, and ears to hear. You have communication functionality, and so many more gifts that God has given you to be who you are in this world. We just finished the annual celebration […]
Lynn Fraser was on her way to church, driving down the highway. It was a familiar road and was rather cold out, when she noticed someone lying underneath an overpass. She passed by, wondering whether the man was hurt or sick. Suddenly she felt the Lord prompting her to stop. So she pulled a u-turn […]
People refinance and consolidate for any number of reasons: investment, the purchase of a second property, and the common practise of using equity in a home for other purposes.
With over 30 lenders, the most competitive rates in the market are available to More Than Enough staff. We will match the rate and the product with you and your needs.
80 per cent of people re-sign with their existing mortgage institution. Financial institutions frequently send mortgage renewals with a higher interest rate than the norm, in hopes clients will send them back signed and committed without looking into better rates.
As first-time home buyers you want to be well-informed, educated and guided to a home purchase that suits your lifestyle. At More Than Enough we can guide you, as a trusted resource, and walk you through the process.
At More Than Enough we have your best interest at heart, and we will help you to navigate your way through the complexities of owning a mortgage. Here are some of the biggest mortgage myths we’ve found.
Part of our strategy is to help you walk away from these statistics, get rid of your mortgage and live in freedom. Your mortgage is likely to be the most expensive investment of your life, and if you don’t do that well and find one that suits your lifestyle, the rest of your life may be in financial chaos.
Walking through the mortgage process can be an overwhelming experience for anyone. But at More Than Enough, we walk with you, educate and encourage you to make the best financial decisions for the present and the future. You are not alone.
As Ontarians consider personal tax strategies for 2016, it is important to note that there are changes on the horizon. The 2016 budget does not include any changes to Ontario personal tax rates but certain personal tax credits are being eliminated. A few of the changes are highlighted below. However, for a detailed list please […]
Whether this summer has whizzed by in a flurry of activities or passed with a tedious slowness, the time for school planning has begun. This time of year the media is full of ‘great deals’ and ‘must-haves,’ yet this time of year is expensive for many of us. So how do we cut down on the cost? […]
Have you ever heard the saying, “If you want to understand your priorities in life just take a look at your bank account”? My husband and financial coach, David van Noppen, uses this quote with people often, and it reminds me of something Jesus said: “For where your treasure is there will your […]
Benjamin Franklin once said that “If you fail to plan, you plan to fail”. Many of us know the importance of business planning, but as entrepreneurs, it doesn’t always get to the top of our priority list. Making plans for your business, and following those plans, gives you the route and direction to reach the […]
Sometimes the word of encouragement comes while we are still in slavery. It comes as a ray of hope, life and joy. Sometimes that word of encouragement comes to foretell deliverance. We rejoice, hopeful that it is just around the corner. However, sometimes it is years before we see that deliverance come to fruition. And […]
Coaching. Accountability. What do these words bring to mind? Many of us feel a sense of resigned acceptance. Acknowledgement of the necessity for coaches and accountability without any relish for the idea. But do we truly understand what coaching looks like? And what about financial coaching? Is it really as intimidating as it sounds? […]
Tim and Lynette Bloedow have done the death crawl, and because of it they are fulfilling a dream they had only imagined: studying at a seminary in the United States to further their education and their relationship with God. The Bloedows, formerly of the Ottawa area, have persevered, pushed through, carried burdens, made intentional decisions, […]
Psalm 18:34 He trains my hands for battle; my arms can bend a bow of bronze. We spend our days training, living intentionally, rushing from one decision to the next. Are we being trained? Are our hands able to bend the bow of bronze? Activities rush past us in a fury. In the midst of […]
Summer is on its way and that means vacation season is upon us! Vacations can be a huge source of emotional and financial pressure on the modern family. While vacationing is a great way to spend time with friends and family, having the vacation follow us home is never a good thing for our families. […]
For many, June marks both an end and a beginning. The end of the school year, yet the beginning of the summer. The last of the cool weather has stopped clinging to the air and warm summer breezes have taken their place. Here are some simple tips to help us enjoy the summer! Don’t Waste […]
Some people get confused. “Are you a business? A ministry? What are you all about?” The short answer is “yes”: we are both a business and a ministry. What are we about? On the surface we are an organization that helps people understand their financial picture, through our four divisions: mortgages, taxes, coaching, and equipping […]
The average Canadian student will graduate from post-secondary will graduate with $28,000 of student loan debt (UFCW Canada). That is a down payment on a new home. A car, paid for in cash. A trip across the world. As parents, we want the best for our children. Debt is never in our best interest, and […]
Wedding season is just around the corner and at More than Enough we love meeting with couples as the wedding day approaches. Many meetings helped us develop a Financial Dating Guide which centers around the 9 dates to have before your wedding day! Financial Dating 101 What do you need? A Transparent Attitude Come willing […]
“How much do I qualify for?” If you are thinking about buying a home, or have bought a home in the past, this question has probably crossed your mind. Our office certainly hears this in almost every meeting, and with every new client who walks through our doors looking for a home. However, it is […]
Over the Easter weekend, the kids and I watched the 3.5 hour epic 1950s film, The Ten Commandments, starring Charlton Heston. It portrays the story of Moses from birth to his death. I remember watching it is a child with my parents, and of course, I subjected my kids to this fond memory of mine. […]
It’s spring and more of us are heading outdoors as the weather gets nicer. (Well perhaps this week is not a great indicator with the snow and ice rain.) Nevertheless, we spend time cleaning up winter build-up in our yards, raking old leaves, and we start thinking about moving outdoor furniture from storage onto our […]
Winter is fading. Spring is springing. Hope is in the air. We can even smell the hope of returning to good financial habits. Well, okay, maybe not exactly. But spring does bring hope. And at More Than Enough it is always spring; spring that leads to the summer of freedom – financial freedom. […]
The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. The global economy is progressing largely as the Bank anticipated in its January Monetary Policy Report(MPR). Financial market volatility, […]
You are a 10,000 piece jigsaw puzzle. From the dawn of time, God has been slowly piecing you together to form the beautiful masterpiece that is you. Yet, your jigsaw puzzle has a piece missing and you will spend your whole life searching for the missing piece. Relationship with Jesus Christ is what will fill […]
The New Year has come and gone, and here we find ourselves on the verge of the month of March. Yet, the New Year’s resolutions are still lingering on our minds. Like everyone, we all need and want to make a difference with our lives. It is the start of a new phase. As […]
Cash flow is something unique to everyone. What works for one person or couple doesn’t necessarily work for everyone, yet today we are going to talk about some of the common things you can do to regain control of your cash flow. Communicate, Communicate, Communicate When it comes to your finances there is no such […]
Have you ever come to the end of your rope and determined that enough is enough? Perhaps you attended the Financial Fitness Workshop? Hopefully you left full of hope, direction and clarity. You were all charged up to make changes and move your life in a fresh new direction! Then, Monday morning came and life carried on with […]
A rich man was once asked, “How much is enough?” His response: “Just a little bit more.” No matter what our income or financial situation, there never seems to be enough money to eliminate financial problems. Stress Fear Hopelessness Pain These are constants no matter who we are. So how […]
According to Merriam-Webster’s dictionary a covenant is “a usually formal, solemn and binding agreement ,” but how often have you thought about making a covenant regarding your finances? To really live a life of More Than Enough you need to make a formal, solemn and binding agreement before God. Put a Stake in the Ground! […]
How often do we make New Year’s Resolutions which seem to disappear by February? Many Canadians start the New Year with huge goals to get rid of their consumer debt or to get their financial house in order but when the end of the year rolls around, they haven’t accomplished what they hoped. Sticking to […]
In a world where our lives seem to operate on the run, finding time to sit and think seems an impossibility, even a waste of the little time we do have. Yet if we do not have the time to sit and think we cannot answer the one important question asked by Henry David Thoreau: […]
Celebrate life. This Christmas. Celebrate life. Don’t hold back. Celebrate. Every day. Celebrate. Not just this season. Not just December 25. Every day. Celebrate life, love, family, goodness, kindness. Don’t just celebrate if it’s easy. Celebrate in difficulty. Give thanks always. Rejoice daily. Many people say Jesus is the “reason for the season.” […]
Do you remember what you got for Christmas last year? What about the year before? These memories have probably faded and been replaced with the events of yesterday or anticipation of tomorrow. What gifts do you remember and what made them special? So often we forget the rules for giving Christmas gifts. Here is a […]
Fear. It seizes us. Changes us. Consumes us. Some say FEAR stands for: False Emotions Appearing Real. However, fear is very real. There is nothing false about what we are feeling. Our whole body changes. We seize up. We can’t sleep. We try to pretend everything is normal, yet we are seized with […]
Rich. What does the word really mean? The dictionary defines rich as “Having wealth or great possessions; abundantly supplied with resources, means or funds; wealthy.” Yet this definition seems too vague to describe a word which drives our North American culture. When you break down the word rich, you will find each person […]
It starts with a dream… Several years ago, I had a dream in which I was standing at an ATM machine. I was in line for several minutes, only to put my card in and watch as the machine spit out American tens, fives and ones and then nothing! I wanted to panic as I […]
“Skin in the game, skin in the game” that phrase seems to be the clarion call for so much of what we do to disqualify us from experiencing God at work in our world today. If I feel someone does not have skin in the game then I do not want to waste my time […]
Die to the old way and embrace the new! We are continually making plans for a new way. We want new things, new hairstyles, new cars, new ideas and new hope that will bring a new way forward, and yet there is part of us that wants us to stay in our comfort zone; a […]
Sometimes our thinking falls into ruts when it comes to giving. We become so focused on our own perspective that we forget God is all about expanding our perception. When it comes to giving there are so many questions but the truth is our thinking is all wrong. Instead of asking how much to give […]
By Lynn Fraser Did you know the challenges and solutions to stewarding our money and our bodies are the same? I was just reading Rick Warren’s book, The Daniel Plan: 40 days to a Healthier Life and he reminded me of this. Perhaps it is because both of these commodities don’t belong to us as all. They […]
Did you know we are celebrating Easter Monday on Thanksgiving Monday? Well I didn’t either, until a slip of my mind and tongue declared it so. Like many women, I work and teach and mother and love and pray and hope and live a full life. Sometimes the details pile up so heavily in my […]
The Lord spoke to Bron Vasic many years ago about surrendering not only his life, but his business practises to the Lord. He is on a journey of Doing Business With God (DBWG). Doing Business With God is a journey and a process. It is becoming anything that you want to be. It is […]
In a world where our lives seem to operate on the run, finding time to sit and think seems an impossibility, even a waste of the little time we do have. Yet if we do not have the time to sit and think we cannot answer the one important question asked by Henry David Thoreau: […]
Long ago, the Israelite nation left Egyptian slavery and headed to God’s promised land. After 400 years of crying out to the Lord of Hosts for deliverance, they were set free. It was not an instantaneous journey to freedom. They put one foot in front of the other, following the cloud by day and the […]
When God designed His system for the Israelites, once every seven years a beautiful forgiveness of debts took place. Slaves were set free and generosity was encouraged because it was a shemitah year. The word shemitah is Hebrew for release and describes a year of financial shaking, where wealth transfers hands. There were three important […]
Joseph was Pharaoh’s right hand man in Egypt who saved the nations of the ancient world from starvation and extinction. Sold into slavery as a young man, he grew into a position of power and authority in government, business and finance. Joseph was God’s man in a key time in history. He was also […]
One of the most important, practical financial tools is the emergency fund. As huge believers in the emergency fund and its ability to help people get out and stay out of debt, here are some of the most frequently asked questions debunked. What is an Emergency Cushion? An emergency fund is essentially that: a […]
If any of you know the story of Alice in Wonderland, you understand it is an odd tale of adventure and misadventure for Alice. Falling down a rabbit’s hole is only the beginning of growing and shrinking, queens and kings and a cat with a wild smile. Sometimes, I feel like I have fallen down […]
A couple of weeks ago I did a similar blog about lies parents believe about their students. (You can find it here.) So I thought today would be a great opportunity to explore the same topic in a different light! As I have grown older, my parents have struggled with these concepts which are so […]
One of the most important, practical financial tools is the emergency fund. As huge believers in the emergency fund and its ability to help people get out and stay out of debt, here are some of the most frequently asked questions debunked. WHAT is an Emergency Cushion? An emergency cushion is essentially that: a cushion […]
Financial education is overwhelming. Over the years our office has been inundated with a wealth of financial books, audio books, DVDs and courses. While there seems to be no shortage to financial material, wading through it all can be a daunting task. Here is our top ten list of financial resources: 1) The Bible […]
“That’s all the lumber–that’s all the lumber that’s all the lumber you sent Looks like the builder–man he’s got your number That’s all the lumber you sent.” (The Lumber Song) Don’t store up treasures on earth but store up treasures in heaven. In the Christian world we have heard this principle preached over and over […]
Sometimes we just don’t feel it. Don’t feel the love. Don’t feel the hope. Don’t feel the freedom. We are told God loves us, provides for us, but the skepticism is high. We even agree outwardly but inside we know our hearts and faith are far from believing those words we hear from the pulpit […]
Sometimes our thinking falls into ruts when it comes to giving. We become so focused on our own perspective that we forget God is all about expanding our perception. When it comes to giving there are so many questions but the truth is our thinking is all wrong. Instead of asking how much to give […]
My father used to count his pennies. Literally. Before I was born, my father would count the change, down to the last pennies, even the pennies my mother brought home from the grocery store. Every penny mattered. With little cash, and little access to credit, my father counted pennies and my parents worked hard […]
This week’s radio show sparked my interest, as I am preparing for university in the fall. Ryan and Lynn’s conversation touched on a wide variety of topics around graduating university debt free (if you haven’t listened to it yet, click here), yet I was struck by how both his parents and my own have had […]
It is time for that date, and not just any date! It is time to sit down with your spouse and start talking money. Money can be an inflammable topic that we want to avoid at all costs, but avoidance will not make money issues go away. Kindness, financial dates and the obvious Having […]
Tongues of fire, waters of kindness: being kinder than necessary Bringing kindness into our marriages, and more specifically into our financial discussions, may seem obvious. But with the current climate of broken marriages in our society, maybe it isn’t. Obvious it may not be, but necessary it must be. In fact, it […]
Once upon a time there lived a family. We will call them the Smiths. They were a very happy family, oh sure they went through rough times but overall they had nothing to complain about. They loved one another, Mr. Smith had done well in his business and they had a large house and nice […]
Advertisements have the uncanny ability to get under our skin. In 30 seconds they evoke pleasure, fear, joy or pain. Sometimes they do it all at once. One of the more recent MasterCard commercials did just that. If you haven’t seen it yet you can watch it here. What was it about this commercial? There […]
Is normal good? The average Canadian family spends 50% more than what they make. Do you want to be normal? The average student graduates university with approximately $20,000 of debt. So often our world drives us to fit in with the status quo. Buy the big home with the white picket fence and attain […]
I have a confession to make. We have fallen off the wagon. Yes. It does happen. And no I am not talking about alcohol or drugs or overeating. I am talking finances. And yes…your financial coach doesn’t always get it right. Shocking, I know. Okay. No sarcasm allowed. But think about it. Don’t […]
In our hopelessly busy world setting aside time to talk is difficult. Yet, the most powerful tool for creating unity is a weekly financial date. What is a financial date? A financial date is simply time set aside for approximately half an hour each week to ask two questions. “Where are we at?” “Where […]
More often than not, money is the wedge and not the glue in a marriage. Yet money can be the most effective way to bring a couple together instead of dividing them. A couple who practice communication and gratitude in this area will be able to do so in any other area of their life […]
Money is important to God. There are fewer than 500 verses in the Bible about faith and more than 2,000 related to money and possessions (Laurie). Why is this subject so important to God? We cannot serve two masters and money is the biggest stumbling block in our relationship with God and with others. The […]
Do you worry about what you will eat, drink or wear? Many of us do because we have an underlying belief in the sow and reap principle when it comes to our provision. If we make good financial decisions, we will reap the benefits. This is a very popular view and there is no doubt […]
Why do those around us seem to prosper while we drown in financial trouble? Why do I seem to sabotage myself on the road to financial freedom? If you have ever asked yourself these questions the following parable from Craig Hill is for you! Once upon a time there were three rivers. These rivers flowed […]
Money is so closely connected with who we are that spending decisions are dramatically influenced by what we believe. Jesus says “Out of the overflow of the heart, the mouth speaks,” and this is clear in finances. Our spending habits reveal our pain and insecurity and determine whether we make spending decisions out of slavery […]
Coaching is a very important piece of what we do at More than Enough. Having a coach is the most effective ways to become debt free for life. Through consistent and committed coaching, you are able to enter into the life of freedom which God has for you. What is a coach? Merriam-Webster defines […]
Debt is overwhelming. So many of us can’t seem to find a grip and we live paycheck to paycheck without any hope of overcoming this obstacle. The good news is there is hope! If you are looking to get out of debt there is light at the end of the tunnel, no matter what your situation, […]
Preparing financially for life after the wedding is very important. Without this starting place firmly established our relationship will suffer and stress will drown the beauty of life together. Transparency Money has the ability to bring a great deal of shame and fear. Hiding our money mistakes is tempting but to live a life […]
Love is in the air! With Valentine’s Day approaching and spring time not far off, weddings become top of mind for many. A wedding is a wonderful expression of love between two people, and along with this expression can come great expense. Here are three practical ways to make sure your wedding stays free from […]
Are we ready to be free from our debt? Step one was to create a plan and FACE our current reality. Step two, set aside between $1,000 and $2,000 for an emergency cushion. Now it is time to laser focus on our debt and have it paid off as soon as possible! The Snowball The favourite method […]
When beginning the journey to financial freedom the first step can seem counter intuitive. Why would we put money away before tackling our debt? Creating an emergency cushion is what allows us to live life and NEVER USE A CREDIT CARD AGAIN. By having an emergency fund we are protected from life’s emergencies. What is an emergency […]
Our modern world of finances is anything but simple. Numerous credit cards, automatic payments and many other conveniences have made it more difficult to face our current reality. These tools for money, designed in the name of convenience, have a dark side which allow us to disconnect from money. Yet the first step to financial […]
The road to financial freedom is not easy. It is full of ups and downs, curves in the road and brokenness. Yet the road to financial freedom is a good road. It brings peace and hope for a better tomorrow. Seeking God, listening to Him and obeying His word will equip us to follow through […]
Consumer debt in 2014 reached 164% of annual income, what does this mean? Basically, for every $3.00 the average Canadian earns in one year, they are almost $5.00 in debt (Bankruptcy Canada)! How can this be? We have unlimited access to education on finances. We have apps and tools galore. Could it be that we […]
Here we go again “The Ontario government expects to post an $11.3 billion deficit (1.6% of GDP) in fiscal 2013-14, slightly lower than the $11.7 billion shortfall projected in last year’s budget.The government has raised its near-term deficit targets. Red ink of $12.5 and $8.9 billion are anticipated over the next two years, respectively, some […]
Kent Bandy of Ellel Ministries Canada, and host Lynn Fraser discuss the spiritual connection between money, and the Bible.
Lynn Fraser talks about the sublexation in your finances and how to bring your finances back to a healthy state.
Lynn Fraser and David van Noppen talk tithing as the listeners chime in with their own experiences and stories
Lynn Fraser and Rick Harper delve into the world of mortgages and let you in on some helpful information.
Lynn and David delve into the world of mortgages and discuss all the options that are available to you.
How would you shop? There is so much information out there, where does one begin? Everyday different financial institutions and mortgage brokerages publish new marketing pieces to entice you to call them by appearing to have the “best rates”. The truth is, all the major mortgage brokerages have access to the same lenders, and, for […]
As 2013 came to a close, I reflected on the previous year. I am exceedingly grateful for so many blessings, one of my greatest being an opportunity to serve my community in a meaningful way. As much as I love what I do, this past number of months has been troubling to me. As you […]
If the light at the end of the tunnel is a freight train headed in your direction, you had better get off the track. For the past 40 years, financial institutions have educated us that credit is that answer to every need. I fact, they have taught us what to need so that we no […]
The Trillion Dollar question- How to break decision paralysis. If you listen to any American economic news for very long the trillion Dollars question will come up – in fact it is the 17 trillion dollar question (and growing). What is the United States going to do with the sovereign debt it has and continues […]
What is going on in our world? As a savvy shopper I watch Groupon for deals on stuff that I need and often enough there is something that comes up that is a good deal. Here is a little side note BE CAREFUL. There is all kinds of stuff on Groupon that you think you […]
What a concept: learning from your mistakes. This is something that everyone understands and for me it is how I get through life. John Wooden once said, “If you’re not making mistakes, then you’re not doing anything.” Mom said “don’t touch that stove” and I learnt what hot meant! Dad said “be home by midnight” and I […]
Every day in every financial situation the question of “how much is enough” just has to be answered. Refuse to acknowledge and answer this question and it will answer itself – with a resounding MORE! Let me use an example that borders on bathroom humor but bear with me; we have a busy house with […]
“Dead folks tell no tales” these are the words of Harriet Tubman as she put a loaded pistol to a faint-hearted slave she was saving! Between 1850 and 1860 Tubman guided more than 300 slaves from bondage in the southern US to the freedom of the north. Do words and action like the ones above […]
This African Proverb is one of those sayings that has turned to cliché but has such a profound truth right in plain sight. Community and the family have been eroding in Canada as time pressure squeezes out relationship. One of the sweeping themes through the whole of the Bible is the idea of God moving […]
“Then they also will answer Him, saying, ‘Lord, when did we see You hungry or thirsty or a stranger or naked or sick or in prison, and did not minister to You?’ Has the bondage that we face in this time in history, in this age of technology, reached such a deep place that we […]