This 13 week life-changing program teaches you practical skills that will empower you to eliminate debt, save money, and achieve financial peace while keeping God at the center of your financial plan. You are invited to register to attend the first session at no cost to hear more about this class and then decide whether to participate. Cost for course materials is $100 for singles & couples.

When?

Thursday Evenings (7 - 9:30 pm). Starts February 23.
Leaders: Bill Ubersax  This e-mail address is being protected from spambots. You need JavaScript enabled to view it

What is Financial Peace University?

FPU is the most important step to changing your financial future. It is your Total Money Makeover Program. It takes the knowledge from God and turns it into real action in our lives through a step-by-step process taught by best-selling author and financial counselor Dave Ramsey.

FPU is a 13-week life-changing program that empowers and teaches you how to make the right money decisions to achieve your financial goals and God's plan for your life. The course includes practical lessons on eliminating debt, building wealth, giving like never before, and much, much more!

http://www.daveramsey.com/fpu/home

Who is Financial Peace University for?

It's for EVERYONE!...from the financially secure to the financially distressed. Over 1 million families and individuals have attended Financial Peace University.  Applying God's Word radically changes your life.  On average, FPU graduates have paid off over $5,300 in debt and saved $2,700 during the 91-day program!

What Will I Learn?

In this life-changing program you will learn:

1. Step-by-Step Cash Flow Planning

Luke 14:28: "For which of you, intending to build a tower, does not sit down first and count the cost, whether he has enough to finish it."

2. Debt Snowball Plan Technique to Eliminating Debt

Proverbs 22:7: "The borrower is slave to the lender."

3. How to Invest Wisely

Ecclesiastes 11:2: "Give portions to seven, yes to eight, for you do not know what disaster may come upon the land."

What will you learn in Financial Peace University?

In 13 action-packed lessons, you'll learn how to beat debt, build wealth, find bargains, invest for the future, give like never before, and much more! This information will change your life. Here is a small sample of each week's subject:

• Lesson 1 Super Saving Proverbs 6:6–9

Dave explains the Seven Baby Steps that will guide you throughout Financial Peace University. You will also learn the three key reasons why you should save money—and why you must start now!

• Lesson 2 Relating With Money Matthew 6:21

Learn why it's important for spouses to communicate and work together toward success. Also, singles will learn the importance of teamwork, and parents will find out how to teach their kids about money.

• Lesson 3 Cash Flow Planning Luke 14:28–30

Unlock the secret of developing a monthly spending plan that really works.

• Lesson 4 Dumping Debt Proverbs 22:7

It's time to debunk some common debt myths! Dave reveals the truth about credit lies and gives you a plan to walk out of debt with confidence.

• Lesson 5 Credit Sharks In Suits Proverbs 3:27

What is a credit score, anyway? Join Dave as he unpacks your credit rating and shows you how to handle collectors when they call.

• Lesson 6 Buyer Beware Proverbs 10:22

Dave Ramsey draws on decades of experience to reveal the power and influence that marketing has on your everyday buying decisions. Let the buyer beware!

• Lesson 7 Clause and Effect Proverbs 27:12

In this lesson, Dave walks you through the world of insurance, carefully explaining what you need—and what you need to avoid.

• Lesson 8 That's Not Good Enough! Proverbs 11:1

Discover the seldom-used secrets of buying only big, big bargains—every time! Before you know it, you’ll be saying, "That’s not good enough!"

• Lesson 9 Of Mice and Mutual Funds Proverbs 21:5

Dave breaks through the jargon surrounding long-term investing and empowers you to make your own decisions about your investments!

• Lesson 10 From Fruition To Tuition Proverbs 13:22

Dave walks you through the maze of retirement options and helps you figure out the right path for you. You will also learn how to plan for college so your kids can graduate debt free!

• Lesson 11 Working In Your Strengths 1 Peter 4:10

This lesson will show you how to avoid dead-end or mind-numbing jobs and provide tips for job hunting, writing a résumé, and acing an interview. Plus, you’ll learn tips for finding extra jobs if you need cash to attack your debt snowball.

• Lesson 12 Real Estate and Mortgages Proverbs 24:27

Dave draws on over 20 years of real estate experience to teach you how to win when buying or selling your home. Plus, he’ll dissect all of the common mortgage options available today, showing you what to choose—and what to avoid.

• Lesson 13 The Great Misunderstanding Psalm 24:1

Warning! This lesson will challenge the way you think about money. Dave will show you how generous giving can completely revolutionize your attitude and improve your finances, business and relationships.

You can preview a class here http://www.daveramsey.com/fpu/preview

Small-Group Discussion After the class views the video each week, a volunteer coordinator will circle the chairs and lead an engaging small-group discussion. This is where genuine life-change takes place. Together, the group will walk through Dave’s Seven Baby Steps toward Financial Peace. This isn’t a time to pry into everyone’s private situation; it’s a time to sit face-to-face and knee-to-knee with other families as you work together toward a common goal.

What Does The Bible Say About Money? By Dave Ramsey
Almost everyone agrees that the Bible contains great advice about life, from improving your marriage to getting along with your boss at work.  But does the Bible really say much about money?  Does it really give us advice that we can apply to our own life in today's world?

The Good News is Yes!  Absolutely!  We believe the Bible is as relevant and helpful today as when it was written, and God has a lot to say about money.  Did you know money is mentioned in the Bible over 800 times?  God must be pretty serious about this subject to talk about it that much.

In fact, Jesus says in Luke 16:11, "So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches?"  It appears from this verse that God uses money as a test of our management and stewardship skills before entrusting us with spiritual things.  See more below.

Money in the Bible

1. Proverbs 13:22 "A good man leaves an inheritance to his childrens' children" indicating that God wants us to make a difference, financially, in our family tree.

2. Proverbs 21:20 "In the house of the wise are stores of choice food and oil, but a foolish man devours all he has."  This gives us an idea of how God wants us to save for a rainy day, to set something back for safekeeping.

3. Proverbs 22:7 states that "The rich rule over the poor, And the borrower is servant to the lender."  Really?  The Bible discourages debt?  Does God really want me to pay my debts off and avoid debt?

4. Luke 14:28 "For which of you, intending to build a tower, does not sit down first and count the cost, whether he has enough to finish it."  Does Jesus really want me to save up and pay for the things I buy?

5. Matt. 6:24 "You cannot serve both God and money".

If money is this important to God, why are there so few Sunday school classes on this topic?  Why don't we see lots of small group studies on "Managing Your Finances" or "Getting Out of Debt"?  Why aren't there more sermons in this area?

There are many reasons, but the top reason is that most people don't realize how much of a problem managing money is for the average family.  Look at the statistics below: Financial Statistics

1. Marital Problems - 37 percent (the highest rate) of marital problems derive from financial situations

2. Cash Flow - 70 percent of all consumers live paycheck to paycheck, meaning they run out of money before the end of the month

3. Savings - The average family would have to use a credit card to pay a $1,500 unexpected expense (ex: home or car repair).

4. Retirement - Nearly half of all Americans (46%) have less than $10,000 saved for their retirement.

It is a problem that affects everyone, inside and outside of the church.