Finances


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   Managing your own finances can be a real challenge especially if you have not been included in that task in the past.  This site has been designed to provide tools for budgeting as well as help for insurance needs and other financial problems.

     If you click on the topic you want from the index below it will take you directly to that section.

  

GENERAL FINANCIAL RESOURCES:

 

ALTERNATE HEALTH INSURANCE OPTIONS:

 

PRINT OFF FREE BUDGETING WORKSHEETS:

 

FREE INCOME FOR ASSISTED LIVING TO VETERANS AND THEIR SPOUSES

 

Financial Advisor:

 

    We also have a financial advisor available to answer  questions concerning areas of personal finance that are often more difficult to understand.  These areas may concern probate court issues, trusts, investments, retirement options etc. You may send those questions to my e-mail address at almanaheart@widowtowidow.net and mark the subject as financial.  I will forward those questions on to our advisor for input.        

 

   

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

GENERAL FINANCIAL RESOURCES:

 

www.betterbudgeting.com

This site offers a lot of help in just about every area of money management from a Christian perspective.  Lots of free tools like budgeting worksheets, newsletters, etc.

 

www.daveramsey.com

Dave Ramsey is a radio personality and has written many books on money management.  His books are straightforward and easy to understand.  He covers checkbook balancing as well as budgeting in his new book, The Total Money Makeover.  His website offers resources at very reasonable costs and can be ordered online from the site.  He has written several books on money management for kids and teens and has many early reader books and a book club and website for younger kids on money management.  It is a great resource for home educators looking for material on money management -- all ages!

 

www.crown.org

This site offers a lot of help with budgeting and finding answers to  financial questions.  There is free Christian counseling available and numbers you can call for questions.  Crown Financial Ministries was started by Larry Burkett and Howard Dayton and continues to be managed by Howard Dayton.

 

www.socialsecurity.gov

This site can be used to determine if you are eligible for social security income and how to contact them for information.  As you set up your budget you will begin by identifying and calculating all sources of income.

 

www.vba.va.gov/survivors/VAbenefits.htm 

This site will help veteran survivors with questions about eligibility and benefits.  www.taps.org is another site that will provide information for veteran survivors and includes newsletters and networking with others in similar circumstances.

 

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ALTERNATE HEALTH INSURANCE OPTIONS:

 

www.cobrainsurance.com

The federal C.O.B.R.A. Act requires by law that an employer extend health insurance benefits at the same rate the company pays to a surviving spouse and her dependents for 18 months after her husband dies.  After this time the company has the option to continue the extension but the rate will be based on individual policy premiums.  Some companies provide for this continued extension after the required eighteen months as part of their employee package.  Details about this law and its provisions can be found at the above site.

 

 

The following resources are insurance options that can be accessed through Christian organizations:

 

www.samaritanministries.org

Samaritan Ministries is an organization that offers a group health insurance plan with other believers.  They offer car insurance as well health insurance and options for Christian credit union accounts.

 

www.healthcareforchristians.com

Medi-Share is an organization that also offers "affordable, Biblical healthcare."  They are associated with the American Evangelistic Association.

 

www.healthplans.us.com

This site has good information on setting up an HSA account that works in tandem with an insurance company that offers a high deductible policy making the insurance premiums much more affordable to someone who is not going through a group plan.

 

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PRINT OFF FREE BUDGETING WORKSHEETS:

 

www.betterbudgeting.com/budgetformsfree.htm 

This site has many different budget worksheets that should 

work well with the budget percentages suggested in chapter 10 of Widow for a Season: Finding Your Identity in Christ.  To access the free worksheets you must scroll down to the bottom of the page.  The site page also has a lot of information on budgeting in general and good suggestions on getting started and how to trouble shoot.

 

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FREE INCOME FOR ASSISTED LIVING TO VETERANS AND THEIR SPOUSES:

 

   For veterans who served at least one day during any given war the government offers free money for use in assisted living facilities.  There are several requirements to qualify and dates of enlistment must be one of the following:

 

Eligible dates are 12/07/1941-12/31/1946, 6/27/1950-1/31/1955, 8/5/1964-5/7/1975, 8/20/1990-present.

 

  Details on the specifics and how to apply etc. can be found at www.veterans-express.com.  Married veterans are eligible for $1700/month, single veterans $1470 and widows of veterans $945. This is paid directly to the applicant/responsible party as additional income, not to the community where they reside. 

 

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