Woo hoo!!! I just paid off all my student loans!!! Piece by piece. Bit by bit. Day by day. Step by step. That’s how you get out of debt! Today I’m one step closer to being completely debt free!!! I’m on schedule to be debt free by September of this year!!! I can’t wait! All I have left now is credit card debt (all at 0%). Time to knock that out, too!



“The most powerful force in the universe is compound interest.”

Albert Einstein

Arguably the most intelligent person to ever live (even though he didn’t speak fluently until age nine) said that the most powerful force in the universe is compound interest. Of course, he was wrong. God is, but it still illustrates a point. Compound interest is a powerful force that can work for you or against you. Compound interest can help you create wealth with investments or help destroy it through high interest credit cards. Learn about compound interest and it could change your life! And it doesn’t hurt to know the actual most powerful force in the universe, either!


10 For God is the one who provides seed for the farmer and then bread to eat. In the same way, he will provide and increase your resources and then produce a great harvest of generosity in you.

2 Corinthians 9:10 (NLT)

From the Life Application Bible:

God gives us resources to use and invest for him. Paul uses the illustration of seed to explain that the resources God gives us are not to be hidden, foolishly devoured, or thrown away. Instead, they should be cultivated in order to produce more crops. When we invest what God has given us in his work, he will provide us with even more to give in his service.

ING 1099’s Now Available

January 24, 2009

Just noticed that the 2008 1099 tax forms are available online from ING Direct. Tax season has begun! It’s never too early to start on your taxes. I’m going to be using TurboTax again this year as I’ve done done for the past couple years. Remember, as the saying goes, death and taxes!


With all the falling interest rates throughout the economy, savings APY’s are bound to be lower as well. Here’s an Interest Rate Roundup of some online savings accounts that I use myself:

ING Direct (mini-review) dropped to 2.40% from 2.50%. ($25 bonus)

Dollar Savings Direct (review) dropped to 3.50% from 4.00%.

HSBC Direct (mini-review) is at 2.60%.

FNBO Direct (review) is at 2.80%.

Smartypig (mini-review) is at 3.25%.

WaMu Online Savings (review) dropped to 1.00% from 1.50%.



Today may be Inauguration Day for President Obama, but Christian Finance Blog is going to have its own Inauguration Day on Presidents Day (February 16 this year for the uninformed). Get ready for a brand new theme, a grand reopening Presidential Giveaway and much more! You can check out a preview of the new design at Remember that it’s just a preview right now.

I gave up on designing my own theme after the coding proved to be too difficult with the limited time that I have. Make sure you subscribe to the feed to keep up to date on the upcoming changes and huge giveaway! I’ve got lots of goodies to give away. You don’t want to miss it! Mark Presidents Day on your calendar! CFB Inauguration Day is coming!


In celebration of Martin Luther King, Jr. Day today, I’m doing a “Did They Say That” post with a quote from Dr. Martin Luther King himself.

“Faith is taking the first step, even when you don’t see the whole staircase.”

Martin Luther King, Jr.

The third Monday of every January is Martin Luther King, Jr. Day and is celebrated around his birthday of January 15. It is only one of three federal holidays to commemorate an individual person (the others being George Washington and Christopher Columbus).

Martin Luther King, Jr. was an amazing person and a history-maker who stood for his beliefs in spite of what society, law, or people said at the time. He fought for racial equality, and his legacy lives on today. But we are not done yet. Racial inequality stills exists today even in this country. Not only that, even slavery still exists in parts of the world. Our work on this earth is definitely not done.