Good Cents Financial Coaching

Navigating from stress to financial success

Colby’s Adoption Story

“Every adoption is the culmination of countless independent decisions the Lord seamlessly works together.” -Paul Batura I had hoped to write about Colby’s adoption when he was a newborn, while the emotions and memories were fresh.  He’s 21 months old now.  Oh, well, better late than never, I suppose.  I’m writing this so one day […]

No Predictions Needed, Y’all

When you take on debt, you’re betting you can predict the future. You’re betting that your future income and your future expenses will allow you to make the debt payments. Y’all, let me tell you something. (When I start saying “y’all”, that means I am fired up, so you better listen.) I’m receiving coaching requests […]

How to Be a Winner (Even with a Penalty Stroke)

Did you watch the U.S. Open yesterday?  If not, let me give you a quick summary.  Dustin Johnson, an elite professional golfer who had yet to win a major despite coming very close a few times, was leading the tournament.  A rules official approached him on the 12th hole to tell him he might be […]

What Is Your Why?

Most of my posts have focused on practical advice to improve your personal finances. But today I want to take a step back and talk about the why. Why should you try to improve your financial situation? What is your motivation? Why should you bother to change the way you’ve always done things? Change is […]

Help! What to Do with All This Extra Cash?

$438!!! What would you do if someone dropped $438 in your lap today? That’s my current dilemma. What to do, what to do with all this extra cash? Wondering whom my benevolent money-dropping angel is? It’s my independent insurance agent. Seriously! Let me explain. I recently received notices for renewing our six-month car insurance policy […]

Breaking Free from the Tentacles of a Credit Score

I wrote a post a several months ago about the benefits of never ever having a credit score and why I dream my son never has one. If that sounds crazy, please take a few minutes to understand my reasoning before continuing. Here’s a brief summary – the credit score is a debt score; it […]

Slaying the Debt Dragon – Book Giveaway!

Well, I’ve given you my review, the author has shared a post with us, and now you have a chance to win it!  Yesterday I received a copy of Slaying the Debt Dragon in the mail to give away to one of you, my fabulous readers. So, what to do, what to do?  How to decide who […]

Book Review: Slaying the Debt Dragon

“Debt is a disease. Debt is your enemy. Debt wants to destroy you. Debt wants to kill your marriage. Debt wants to wreck your children. Debt wants to control your day-to-day purchases. Debt wants to steal your joy. Debt wants to damage your health. Above all else, debt wants to keep you from being generous.” […]

Guest Post: Slaying the Debt Dragon

Well, this is exciting!  My first ever guest post!  Cherie Lowe, author of Slaying the Debt Dragon and purveyor of wisdom on her popular website,, shares the first step to getting out of debt in this excellent post.  Enjoy! Being in debt is a lot like being in the dark. I’m not talking about bedtime […]

Book Review: Keep the Happy in Your Holidays

Hi y’all! Now that Thanksgiving is over, I’m sure you’re busy getting ready for Christmas. So I won’t take up too much up your time.  But, let me take a moment to tell you about a neat little e-book. It’s called Keep the Happy in Your Holidays: 21 Ways to Save Time, Money, and Your Sanity […]