Spending Episodes
My Spending Data is Ready - Now What Do I Do With It?
If you’ve taken the bold step of tracking your spending—whether for a day or a full week—this episode is your next move. Ralph walks you through what to actually do with those numbers that are now staring back at you. From co...
Why Should I Track My Spending (Isn't it Depressing?)?
Ever feel that knot in your stomach when you swipe your card or check your bank balance? You’re not alone. In this episode of Financially Confident Christian , Ralph gets real about why tracking your spending doesn’t have to ...
How Can You Stop Small Emergencies From Derailing Debt Payoff?
You’re finally making progress on your debt—and then life happens. A flat tire. A broken appliance. A surprise medical bill. In this episode of Ask Ralph , Ralph shares a powerful and practical strategy to keep small emergenc...
LIVE SHOW REPLAY - Are Your Spending Habits Aligned With Your Values …
Do your money habits reflect what matters most? In this episode of Ask Ralph , Ralph and Craig revisit key takeaways from recent episodes on budgeting, meal planning, impulse spending, and more, all rooted in the challenge to...
Can You Intentionally Lower One Utility Bill This Month?
Feeling powerless when the utility bills roll in each month? You’re not alone. In this episode of Ask Ralph , Ralph shares a fresh, faith-filled approach to managing these unavoidable expenses. Rather than trying to overhaul ...
I spent too much at Christmas - how do I pay down my credit card debt?
Are you struggling with the financial aftermath of holiday spending? Ralph Estep Jr. shares the inspiring story of Henry, who turned his $10,000 credit card debt into a debt-free success in just ten months. This episode delve...