Ever feel like your bank account is leaking money, even when you haven’t made a big purchase? In this episode of Financially Confident Christian, Ralph unpacks how those small, unplanned expenses add up and steal your peace — and what you can do to stop them. He shares how a simple pause, a clear plan, and a values-based approach can help you make every dollar a conscious spending choice.

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You’ll hear practical tips like the Sacred Pause, cash-only challenges, and daily spending check-ins to build intentionality and confidence in your financial life. Ralph encourages listeners to let their spending reflect their faith, steward God’s gifts wisely, and enjoy the freedom that comes from living with purpose.

Chapters:

• 00:15 - Taking Control of Your Finances
• 01:30 - Making Conscious Spending Decisions
• 04:21 - The Sacred Pause: Intentional Spending
• 06:29 - Making Conscious Spending Choices
• 08:37 - Building Mindfulness Through Daily Awareness
• 10:38 - Embracing Secondhand Simplicity

Takeaways:

• Money can slip away without us even noticing, like a ninja in the night.
• Being intentional with our spending means every dollar is a reflection of our values.
• Before you buy, take a 10-second pause to think about what you really want.
• Tracking daily expenses can help us stay aware of our spending habits and goals.
• Experiences bring more joy than material goods, so choose wisely with your cash.
• Practicing mindful spending can help break the cycle of impulse buys and financial stress.

Links referenced:

• financiallyconfidentchristian.com/master

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