Daily Hope Financial Planning Tips

Daily Hope Financial Planning Tips

by Mark JohnsonNo Comments
I read these recently at Daily Hope and wanted to make sure we had them stored to come back and reference. “Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.” Proverbs 21:5 (NLT) If you want to be financially strong, you need to start writing down what you spend until you know where all your money is going. This is the principle of accounting. You’ve got to keep track of your finances! Have you ever made it to the end of the month and wondered, “Where did all my money go?” Ignorance of your financial condition plus easy credit equals disaster. You’ve probably heard this phrase: “Money talks.” It does not. It just walks away quietly, and it doesn’t tell you where it’s going. To know what you’re spending your money on, you have to keep good records. Proverbs 21:5 says, “Good planning and hard work lead to prosperity” (NLT). When it comes to your finances, you need to keep good...
Read More
Getting Rid of Credit Card Debt During COVID-19 Era

Getting Rid of Credit Card Debt During COVID-19 Era

by Mark JohnsonNo Comments
Life is cyclical - finance especially. One of the greatest challenges while pedaling through cycles is staying out of debt while managing through dry seasons. Having multiple streams of income will help. Also, keeping credit card debt out of the equation is huge - crucial - critical - choose whichever dramatic word to make the point. Credit card debt is aweful. Eliminating it is one of the best climbs in the world! Here's some info we've found helpful: DAVE RAMSEY APPROACH How Can I Get Rid of My Debt Without Using Debt Reduction Programs? We’re so glad you asked! You can ditch your debt yourself by following the 7 Baby Steps. Step 1: Start an Emergency Fund The first step in Dave Ramsey's 7 step plan is, "Save $1,000 for Your Starter Emergency Fund." One of the main reasons people struggle with money is because necessary emergency expenses (like medical bills, car bills, or home repairs) come out of nowhere and drag you deeper and deeper...
Read More
What Are Medicaid Waivers?

What Are Medicaid Waivers?

by Mark Johnson1 Comment
We are presently struggling to navigate through Medicaid Waivers in the State of Texas for our son (intellectual disability, autism, ADHD, DMDD - dysruptive mood disregulation disorder). We've been working for the YES (Youth Empowerment Services) Waiver with MHMR in Denton, Texas since April 2018 and are still waiting for services to begin. We were on the waiting list for a while. Then we were accepted to see if we are eligible - that process is taking months. There is a discrepancy with his IQ which is another story. WHAT ARE MEDICAID WAIVERS? Medicaid Waivers help provide services to people who would otherwise be in a nursing home or hospital to receive long-term care in the community. Although there are waivers for many conditions, our focus is towards waivers for people who have intellectual disabilities, developmental disabilities, and autism. WHAT ARE THE DIFFERENT TYPES OF WAIVERS? There are several types of waivers: Community Living Assistance and Support Services (CLASS): gives home and community-based supports to...
Read More