About

So what is this site all about anyway?

Well, in its simplest form, this site is about personal finance – the kind of personal finance that is useful to normal, everyday people like you and me. My goal is to create a series of discussions that revolve around simple and effective techniques to improve our financial situations – and our situations in general. I, like you, am a normal person and I, like you, have a lot more important things to do than spend all of my waking hours studying stocks, mutual funds, insurance policies, asset allocations, budgets (sorry, spending plans), etc. Alright, ok, as my lovely wife would point out, I do spend a lot of my time doing that already – but I honestly do have more important things that I should be doing!

And who are you?

Hi, my name is John and I’m so glad you stopped by for a visit.

No, I mean, why are you writing this blog – what’s your story?

Oh, ok, my bad. The part of my story relevant to this blog goes like this….My wife and I have always been pretty prudent with our money but I’ve just had this nagging feeling for the past few years that I wasn’t making the best financial decisions. I was very concerned that I was not being a good steward of the many blessings we’ve received. So, in early 2007 I set out to change that. Since then I’ve been reading books, reading blogs, creating and refining plans, reading more books, discussing topics with friends and family, reading other books (some over again) and on and on. I have increased my knowledge of personal finance topics tremendously and I do enjoy discussing such things – so let’s discuss it! For the full story, see this page .

What does the name of the site mean?

The name of the site is taken from the book of Deuteronomy. Chapter 28 starts a long discourse on all the blessings that God will bestow on His people if they “fully obey the LORD your God and carefully follow all His commands.“ In verse 12, it states that “The LORD will open the heavens, the storehouse of His bounty, to send rain on your land in season and to bless all the work of your hands. You will lend to many nations but will borrow from none.” This is where I get the name for my site – not having to borrow from anyone is a sign of God’s blessing on us. Plus I think its a somewhat catchy and unique name (and, of course, no one had already taken the domain name)!

Later in the same chapter of Deuteronomy, the consequences for not obeying God and following His commands are also detailed and, unfortunately, there are a lot more verses that follow in that section. I feel that verses 43 & 44 are particularly interesting for us: “43 The alien who lives among you will rise above you higher and higher, but you will sink lower and lower. 44 He will lend to you, but you will not lend to him. He will be the head, but you will be the tail.” So, God lists one of the curses as having to borrow money from others! This is really interesting stuff!

Are you one of those people who says credit cards are evil?

No, I am not. As a matter of fact, I have a few different credit cards that I use and actually currently have a mortgage and some student loan debt (we paid that off – Woohoo!!). Please don’t get me wrong, I am not saying that I think it is a sin to be in debt. I currently have debt but would like to get rid of it as soon as possible for a number of reasons. “Borrow From None” is not a mandate that I feel I need to legalistically follow; rather it is a goal for which I strive. I want to get to the point where I can be totally free from debt.

And what makes you such an expert in all this?

Well…this is awkward….I am by no means an expert in finances, biblical theology, biblical finances, or any other combination. I am not a financial planner. I am not a biblical scholar. I’m just a normal person who wants to provide for his family at present and for the long term without having to spend all my time thinking and worrying about the financial aspect of it.

So, in what area are you an expert?

Well, I have a Master’s degree in Electrical and Computer Engineering from Carnegie Mellon University and I currently do software development for a very large company.

Who did you say you were again?

My name is John. My lovely wife and I live in the Richmond, VA area with our three four(!) small children. I am a full-time work at home software engineer and my wife is a part-time physician and full-time Mom. I enjoy playing with my kids and I like to ride my road bike and mountain bike (though I must admit I have not done that often enough lately) and play my guitar.

Now, it’s my turn to hear from you – Please click over to one of the posts and leave a comment, ask a question, or just say hi…

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  • Blending simple and straightforward financial discussion with Biblical principles to assist normal people like us in being good stewards of our finances. This site is for ordinary people who have better things to do than watch the stock market every day, study countless mutual funds, and constantly stress about their financial situation!

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