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End the Fighting! You Can Achieve Financial Freedom

June 30, 2017

Money! I keep thinking of the popular song that was played when I was a teen.  Karen Carpenter beautifully sang about how little money she and her husband had, yet they loved each other intensely.  When I was younger, I thought that was so romantic.  Everyone would say love gets you through anything, including poverty.  Now, I know living with a constant battle over how to spend what you do have makes marriage much harder.

I can recall how difficult it was for us when we first married. My husband was adamant that we needed a budget, and he kept trying to make one.

Every few days, he’d come to me with a new idea and explain how it would work. That was 39 years ago,  but I don’t remember any details about the first submissions. However, he finally contrived something that worked, and we’ve stayed on that for years.

I know many couples end up disagreeing and arguing over money. Many young married folk today bring school debt to marriage.  Money is such a tough issue because we all have needs and wants. Sometimes it’s truly hard to know which is which.

My husband would say, “Do you need that? Or do you just want that?” It was hard to admit sometimes I wanted it for selfish reasons. Oh, the conversations we had and the ache. Yet we never had a huge debt to pay off.

Some of you just barely make it and live from paycheck to paycheck.  How can we honor God with our money? Today my guest is Stephanie Beck. She and her husband do financial counseling and help couples overcome debt. Use the links below to contact them HERE. Or, email them:

Stephanie Beck and her husband do financial counseling

[tweetthis]Financial freedom is possible[/tweetthis]

[tweetthis]Financial Plan: Do you #need that gadget or #want it?[/tweetthis]


Bible, Church, Commitment to Christ, Communication, Finances, Freedom, Goals, Heart of the Matter, Love, Missions, surrender, Walking by Faith

New Money Mindset Combines Freedom with Loving others

April 15, 2016

New Money Mindset Combines Freedom with Loving Others

Money is an uncomfortable topic. I have an acquaintance. I believe she stopped going to c because the pastor asked for money one too many times. I don’t know about you, but I can be tempted by money. I’ve always hated to back up when driving. A year or so ago,  my husband bought a car with a rear camera that shows behind you as you back. I have to admit feeling envy over his rear camera. And I can justify it, I’m so bad at backing up. That drive to get the latest iphone or techy device tends to hang over us, me included.

The Lord brings this verse to mind often: “look not to the things that are seen but to the things that are unseen. For the things that are seen are transient, but the things that are unseen are eternal.” (2 Corinthians 4:18) My focus needs to be on eternal things, things that last forever. The latest invention will be old in a week and useless in a few years. Things we cannot see will last for3ever. With that in mind, my husband and I have deliberately chosen to live so that we have a surplus to give to the kingdom.

Here’s a testimony from the church at Macedonia: “We want you to know, brothers, about the grace of God that has been given among the churches of Macedonia, for in a severe test of affliction, their abundance of joy and their extreme poverty have overflowed in a wealth of generosity on their part.  For they gave according to their means, as I can testify, and beyond their means, of their own free will.”  (2 Corinthians 8:1) The church there in Macedonia wasn’t rich, but they gave anyway. Awesome!

Brad Hewitt is my guest. He’s co-author of New Money Mindset. He shows how you can choose your attitude toward money and control your money rather than allowing your wants to control you.

Financial advisor

Brad Hewitt

Learn more about Brad here.

All, Christian History, Commitment to Christ, Communication, Educating your children, Emotions, Family, Finances, Freedom, Heart of the Matter, Love, Marriage, Ministry using your gift, Parenting, Romance, Standing for your faith, Surrender to Christ, Walking by Faith, Worry

#HrtMtr Radio: Hallowed Eve or Halloween?

October 31, 2014
Katherine von Bora

Cynthia ‘interviews’ Katie Luther about October 31, which is an important day in church history. And Peggy Sue Wells chats about a Christian’s response to Halloween as our nation celebrates it today.

Abuse, Abuse of Authority, All, Commitment to Christ, Communication, Deceit, Divorce, Doing Family God's Way, Emotions, Family, Finances, Forgiveness, Freedom, Grief, Heart of the Matter, Living through heartache, Love, Marriage, Prayer, Proper diet, Rest, Romance, Worry

#HrtMtr Radio: Deceit and relationships; The Promise by Beth Wiseman

October 24, 2014
Author of The Promise

Best-selling author, Beth Wisman released a novel based on a true story. Gut-wrenching and gripping, it raises tons of issues. A must listen!

All, Commitment to Christ, Communication, Emotions, Family, Finances, Freedom, Grief, Living through heartache, Love, Marriage, Ministry using your gift, Praise, Prayer, Rest, Surrender to Christ, Uncategorized, Worry

#HeartMtr Radio: Have abundant life in the midst of heartache?

October 17, 2014
Speaker, Bible teacher

Abundant life? Doesn’t Romans 8 say the world suffers under the curse? Yet,  Carol McLeod shares how she praised God in the midst of terrible pain. She insists that you can have the abundant life, and she explains how. Listen and learn.

Carol can be reached at

Abuse, All, Commitment to Christ, Emotions, Finances, Heart of the Matter, Living through heartache, Marriage, Parenting, Sex, Uncategorized, Walking by Faith, Worry

#HeartMtr Radio: Protect Your Child from Abuse

July 11, 2014
Lisa Cherry and her husband.


Every parent wants to protect their child from abuse, but in our declining culture that’s getting harder. Lisa Cherry and Cynthia talk about ways to keep your family free from the sexual predator. From personal experience, Lisa knows the dangers to avoid and the warning signs a parent might otherwise miss.

Lisa’s Bio:

Lisa Cherry and her husband, Doug, have a heart to see families make the spiritual baton pass to the next generation and fulfill the calling of God that is on their lives. For this reason, they founded Frontline Family Ministries Inc. in 1998. Together with all their 10 children and now son and daughter-in-law  and their growing numbers of descendants, they lead the various Frontline Ministries including Pastoring Victory Dream Center (pioneered in 1998), REALITY Youth Center, POTTS (Parents of Teens and Tweens), and Frontline Families Resources. Joyfully married for over 32 years, Doug and Lisa know what it is like to navigate a family through both smooth sailing waters and troubled dangerous storms. Their sensitivity, passion, and wisdom equip parents to launch strong Christ followers for the next generation. As they enjoy loud family dinner nights, toy-strewn messy living rooms, and traveling and speaking to churches, parents and teens, they have found their Frontline for Him.

Learn more at


Contact Cynthia at Heart of the Matter:

All, Commitment to Christ, Communication, Emotions, Family, Finances, Freedom, Getting Published, Grief, Heart of the Matter, Living through heartache, Parenting, Praise, Walking by Faith, Worry

Heart of the Matter: Help for the Laid Off

May 30, 2014
Author of Help for the Laid Off
As a single mom, Mary Kaarto got laid off from her job.

Her first layoff lasted from 1994-1996, and looking back it seems as if she lived and learned a lifetime of lessons during that period. Little did she know that she’d write and have a book published about helping others during their own layoff experiences.  But, that’s exactly what happened.Two weeks after she was laid off the second time (2002-2004), she was trying to save money by pruning my 30-yr old tree, by myself.  When you are a single mother and you’re without work, you do what you have to do! She lost my balance and fell off the top rung of her 16-foot ladder, ‘breaking myself’.  Her right leg was broken, she’d torn the meniscus in her right knee, injured her right elbow and arm.

She just couldn’t believe this was happening.  “God, WHY are You allowing me to go through this AGAIN? WHY did You allow me to lose a job I enjoyed, and then allow me to have this accident that leaves me housebound and howling at the moon in pain?” Really, she can’t describe how she was feeling, other than to say, confused. she wasn’t necessarily angry or sad, because she’d learned from the first layoff experience, that everything was going to be OK. She had peace this time but only because she knew if her daughter, Emilie and I got through the first layoff, that we could make it through another one.

Mary shares how she survived and tips she learned. Now she offers help to others who are laid off. Reach Mary at

Contact Cynthia at Heart of the Matter Radio:

Contact Cynthia:
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