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February 2010

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"I was drawn to the power of the African American religious tradition to spur social change. Out of necessity, the black church had to minister to the whole person. Out of necessity, the black church rarely had the luxury of separating individual salvation from collective salvation. It had to serve as the center of the community's political, economic, and social as well as spiritual life; it understood in an intimate way the biblical call to feed the hungry and clothe the naked and challenge powers and principalities. In the history of these struggles, I was able to see faith as more than just a comfort to the weary or a hedge against death; rather, it was an active, palpable agent in the world." ~ Barack Obama

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Financial Tip of the Month

Lisa Rogers-Cherry

1. Take the time to assess your financial situation. Ask yourself three questions: Where am I financially? Where do I start? Do I need to get some help?

2. Prepare a budget.

3. Pay your bills on time.

4. Work diligently to repair your credit.

5. Get a second job if necessary to make ends meet.

6. See what, if anything you can eliminate from your expenses.

7. Make wise decisions with the money that you have.

8. Make sure that your estate planning is updated, including wills and healthcare directives.

9. Use your time wisely.

10. Pay yourself by doing something that makes you happy without spending a lot of money.

Lisa Rogers-Cherry is the author of Lifting the Burdens of Debt: A Helpful Guide to Getting Your Debts Paid and Your Life Back on Track (2005; $14.95). Lisa writes monthly financial tips for www.bloggingblackmiami.com and can be heard on www.wmbm.com on the Let's Talk Money Show. If you have a question or for more information go to www.redpenpress.com, e-mail her at Lisa@redpenpress.com, or write Lisa Rogers-Cherry, Red Pen Press, P. O. Box 1196, Dania Beach, FL 33004.