•                 50% of Americans has less than one month income saved for a rainy day
  •                 You spend 12-18% more when you use your card over cash
  •                 Total outstanding consumer debt is over $3 Trillion
  •                 53% of Americans believe a partner with deb is a turnoff

As of September 2013

U.S. household consumer debt profile:

  • Average credit card debt: $15,185
  • Average mortgage debt: $147,133
  • Average student loan debt: $31,509



Dave Ramsey

Crown Ministries



Suggested Books: 

How to Manage Your Money: An In-Depth Bible Study on Personal Finances
Debt Free Living, Eliminating Debt in a New Economy

The Total Money Makeover: A Proven Plan for Financial Fitness
Financial Peace Revisited
The Money Class: How to Stand in Your Truth and Create the Future You Deserve


Books by:

Larry Burkett

Dave Ramsey

Suzy Orman