Annette and her husband were concerned about debt and wanted to do something about it. They talked to friends who had $13,000 for a vehicle in cash. “How do you do that?” Annette wondered. Their friends told them about a program that helped them to be intentional with their finances. They created a budget and an envelope system for paying bills. In two years, they paid off more than $7,000, including student-loan debt. “We’ve seen God stretch our finances. We’ve had so much joy in the freedom of giving.”

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