Money Management Ministry

05/08/2026

One of the best things I have done for my mental and financial well being was build an emergency fund. Having money set aside for unexpected expenses brings a level of peace and stability that reduces so much unnecessary stress and anxiety.

05/07/2026

This video is worth watching and implementing.

Video length: 32:24

52 likes, 3 comments. "10 Japanese Money Habits That Build Quiet Wealth (Most Americans Have Never Heard of These)"

05/07/2026

A lot of people are chasing dopamine without even realizing it.

Buying things you cannot afford feels good in the moment. Ordering food instead of cooking feels convenient. Online shopping gives a temporary emotional high. Upgrading phones, cars, clothes, and lifestyles creates instant gratification.

But the problem with dopamine driven spending is that the feeling fades fast while the financial consequences stay.

Many people are overstimulated by consumption and underdeveloped in delayed gratification. That is why some people can make good money and still have no savings. Every extra dollar becomes another opportunity to spend instead of build.

Saving money is rarely exciting in the moment. It requires discipline, patience, sacrifice, and emotional control. There is no instant rush from watching money sit in an account. But over time, savings creates something dopamine never will: stability, peace, options, and freedom.

Financial maturity is learning that every feeling does not need a purchase attached to it.

Actionable steps to break the dopamine spending cycle:

1. Pause 24 hours before making non essential purchases.

2. Unsubscribe from marketing emails and shopping alerts that trigger impulse spending.

3. Stop using shopping as entertainment or stress relief.

4. Create automatic transfers to savings on payday so saving happens first.

5. Track every dollar spent for 30 days to identify emotional spending habits.

6. Learn the difference between wanting something and needing something.

6. Normalize saying, “I cannot afford that right now,” even if you technically have the money.

7. Build a savings goal that excites you more than temporary purchases.

8. Spend less time trying to look financially successful and more time becoming financially secure.

04/30/2026

Here's another reason why you should thoroughly review your bank and credit card statements monthly. You have a certain time frame to dispute transactions.

You're more likely to fall victim to identity theft and scams when you choose to be in the dark.

2.9K likes, 2.4K comments. "Chase Bank Drains $87k From Ex Police Officer Savings Account"

04/23/2026

Serving Georgetown, Horry, Marion, Dillon, Marlboro, Darlington, Florence, and Williamsburg Counties:

Our Money Management Ministry is passionate about teaching financial stewardship rooted in faith and practical wisdom.

If your church, school, or organization is looking for financial literacy classes, workshops, or seminars, we would love to partner with you. We can also set up an information table to share helpful resources with your community.

We serve all ages, starting as young as 5 years old and have experience working with youth, including speaking with teenagers in school settings.

If you're interested in bringing financial education to your group, message us. Let’s equip our communities to manage what God has entrusted to them, wisely and faithfully.

04/23/2026

Everything you have isn’t yours, it’s entrusted to you.

Your time. Your income. Your opportunities. One day, you’ll have to give an account for how you managed it.

Not just what you earned, but what you did with what you were given.

If money is constantly slipping through your hands, if there’s no plan, no discipline, no direction - that’s not just a financial issue… it’s a stewardship issue.

Faith doesn’t mean avoiding responsibility. It means honoring God with structure, discipline, and wise decisions.

Right now, you have a choice:

Continue hoping things will work out or start managing what you’ve been given with intention and obedience.

Blessings without stewardship become burdens. Increase without discipline disappears.

The question isn’t whether God will provide. The question is: can you be trusted with what He already has?

04/20/2026

South Carolina Horry Electric

On average, our monthly electricity bill has been $240. In February 2026, after I received my March 2026 electricity bill, my mouth dropped. It was $336.46!!!

I started being more aware of the peak hours where the electricity company charges you more when you use your appliances (HVAC, washer/dryer, stove, microwave, and dishwasher). In March, the peak hours were from 6:00am-9:00am. April 1st, the peak hours are from 3:00pm-6:00pm.

For April 2026, our electricity bill was $181.96. Less than $58.04 of our average.

For May 2026, our electricity bill is $152.41. Less than $87.59 of our average.

Do you know the peak hours for your electricity company? Do you know what your average electricity bill is?

04/19/2026

A Servant's Heart SC, thank you for allowing Money Management Ministry to present the Debt Strategies class today in Marion, SC.

04/13/2026

Michelle Singletary
Book: The 21 Day Financial Fast

Michelle Singletary is a nationally syndicated columnist and personal finance advisor who regularly appears on national television and radio. She is the author of three books.