On July 9, 2011 Christian Financial Counseling (CFC) celebrated 29 years of teaching the Biblical principles to more than 20,000 families showing them how to get out of debt, avoid bankruptcies, repossessions foreclosures and lawsuits.  The founder and president of CFC, Mahlon Hetrick says the Bible is the best book of finance ever written.   The Bible has more scripture references about finances than any other subject, except love.

The following examples illustrate how these Biblical principles work and are a blessing in each counselee’s life and bring them all a new found peace and contentment; a divorced mother of 3 boys reduced her monthly debt from $640 to $300 each month, another single mom became debt free in just a few weeks, while another counselee reduced their debt by $45,000 in 60 days.

Mahlon wrote a book that he aptly named  “Family Money Management: God’s Way”.  Throughout his 30 years of banking he came to realize that many families knew that their outgo exceeds their income but they did not know how to fix the problem or what was causing the trouble.  His life took a new direction when he felt led to guide people to the answers to their dilemma.  It is for this reason that the ministry was begun.

  In the book he lays out guidelines and charts which help a family or an individual to discover the appropriate amount to spend on categories such as, housing, food, auto, insurance, clothing, health, etc. for their level of income.  This information is seldom taught in school or churches.  Once people do their homework they can see in what areas they are overspending.  For example they may realize that they are paying too much for their automobile each month and they may choose to sell it.  Or they may choose to keep the car but cut back in another area.  CFC provides counsel and guidance but the client makes the choice.

 Oftentimes when CFC helps people find abundance in their budget those who are helped think it makes good sense to give back to the ministry that aided them in finding that abundance.  While other people donate because they believe in what we are doing and they want their community to be strong and self-sufficient.  This is the way that it has worked for 29 years.  If you would like to become a supporter of CFC you would be helping hundreds of needy individuals who might be losing their homes, their cars or their jobs due to the present economic conditions.

One pastor said their weekly receipts were 47% greater for the 3 months following the seminar compared with the three months before the seminar.   

 Another couple was barely surviving from one paycheck to another.  After attending a CFC seminar and making a decision to manage money God’s way they are now debt free and are saving for the future.  Best of all they accepted Jesus as their Lord and Savior!

Another church that had to cut all staff members salaries by 10% before the seminar due to lack of available funds became totally debt free in just 2 years after the seminar and then started three missionary churches over the next five years and paid cash for the buildings and paid the salaries of the three pastors.

 Another couple retired a $22,000 debt in 4 years beating their five-year goal.  They were able to live on his income alone and the wife stayed at home and home schooled two children.  They bought a used car and paid off a 36-month loan in 20 months and now able to tithe and to give to other ministries. They bought a house and paid the mortgage off in 9 years. 
  
One counselee reduced debts by $45,000 in 60 days   
    
 A single mom became debt free in just a few weeks       

 A divorced mother of three reduced monthly debt payments from $640/month to $300/mo    
 
 One couple avoided bankruptcy and improved their finances in just one year.
  
 Another couple started tithing, started saving and reduced debts payments by  nearly $1,500 per month … it happened in only three months.

 One pastor said since the CFC seminar … people got their financial priorities right …straightened out shady business deals, then God started blessing them in marvelous ways for their obedience.     

   
Another pastor said he praised God for the most successful seminar ever conducted in their church.         Another couple paid $50,000 of credit card debt in 3 years—Started tithing on gross not net income—started saving for retirement and children’s college …paid cash for vacations and now they are debt free except their mortgage. 

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