The method of living at home modestly and within our income, laying a little by systematically for the proverbial rainy day which is due to come, can almost be listed among the lost arts. George Washington Carver

Walking in God’s Favor: If you need wisdom, ask our generous God, and he will give it to you. He will not rebuke you for asking. James 1:5 AMP

Breaking the Chains of Debt

If you are really ready to become a better steward of your wealth you must become willing to go through the process of increasing your financial IQ. It’s been said, “The definition of insanity is doing the same things over and over, expecting a different result”.

Ardella and I are helping meaningful others learn how to manage their money wisely by facilitating financial empowerment sessions. Ardella and I personally were able to pay off over $70,000 of debt in 48 months by learning to use the debt snowball systematically. We experience a three-step process of becoming dedicated, disciplined and diligent in order to receive our financial deliverance from the bondage of debt.

Our Personal Journey to Freedom

The first step was becoming dedicated in desiring to get out of the bondage of debt. Make becoming debt free a priority in your  prayer life. Asked God to renew your hearts and minds so you will have a desire to live debt free.

The second step is disciplining your money habits, give your money a mission. Began spending your money on paper, on purpose before the month begin by making a cash flow plan and using the debt snow ball.

The third step is diligent in working your financial plan. It took us 48 months of faithful diligence, discipline and dedication before we begin to experience  deliverance from financial bondage. The journey out of our mess didn’t happen over night and neither was the trip into it.

Working Together as a Team

We thank God for answering our prayers and bringing us to this place of deliverance and healing. There are many married couples who cannot agree on how to handle their money who argue with one another, manipulate one another or just avoid one another. Unfortunately, many of these  couples end up destroying their marriage because of money.


Practicing biblical principles for handling money has empowered us financially and spiritually. We have no desire to spend money in order to prove to the world we have arrived. More importantly we are free to serve and give to God cheerfully without the financially bondage of debt in our lives. There is financial peace in our home.

You are welcome to visit our Financial Peace University Class Tuesday 6:30pm February 3rd to discover how you can break the chains of financial debt from your life.

Prayer of Blessing: Lord thank  You for the desire to live debt-free.

Michael Vance is a senior account executive  with Hundley Batts & Associates and the co-founder of Ardella Vance is  a gifted educator and  a Master Guide in the Pathfinders  Club, a global organization empowered to teach life and leadership skills to young people.  The Vance’s have been married well over 25 years and share their lives with four adult children and seven  grandchildren. They currently reside in Huntsville, Alabama and blog weekly from their financial workbook ” The Stewardship of Wealth.

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