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Can You Actually Pay for Your Phone?

It’s been said, that today, if our phones fall down, we panic. If our friend falls down, we laugh.

If you’ve ever dropped your cell phone, then perhaps you can identify with that panic feeling!

Assurant is one of the world’s leading providers of mobile phone protection plans.

CEO, Alan Colberg, stated on Bloomberg TV that he believes his services are likely to surge in demand as carriers charge customers more to replace their devices because, “The reality is, half of Americans can’t afford to write a $500 check.”

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Lessons from Millennials on Buying vs. Leasing Cars

Originally posted on the Christian Post on March 23

To learn Biblical answers to your financial questions, you can #AskChuck @AskCrown your questions by clicking here. Questions used may be lightly edited for length or clarity.

Dear Chuck,

I’m in the market for a car, and I’m trying to decide between owning and leasing. I’m just out of college and want to keep my obligations low, and I’ve heard that leasing can be really cost effective. There are lots of great deals and promotions advertised for leases in every car commercial, making it seem like it’s worth a try. What do you think?

Looking at Leasing

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Benefits of an Edible Landscape

Aaron Huffstetler at TheBalance.com reports that an edible landscape will reduce your grocery bill, allow you to enjoy foods at peak freshness, make it easy to eat more fruits and vegetables and help you to weather financial hardships.

He recommends planting edibles throughout the yard.

Ground covers add visual interest, fill space between other plantings and keep weeds out. A few edible ones are chamomile, vining cranberries, creeping thyme, strawberries and lowbush blueberries.

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This App May Save You Money

I was recently informed of a new app called Clarity Money. Basically, it connects to all of your accounts and gives recommendations that can improve your financial health.

With this cutting edge app, you can cancel subscriptions, lower bills, get your credit score, find a better credit card, transfer money between accounts and set up a savings account. It even helps you stay within your budget by making sure you don’t overspend.

Business Wire reports, “Clarity Money works by using data science and artificial intelligence to negotiate bills, cancel subscriptions and save customers hundreds of dollars at the click of a button.” It creates a customized experience for users.

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6 Ways to Go Green for St. Patrick’s Day

Originally posted on the Christian Post on March 10

To learn Biblical answers to your financial questions, you can #AskChuck @AskCrown your questions by clicking here. Questions used may be lightly edited for length or clarity.

Dear Chuck,

Happy St. Patrick’s Day! In thinking about going green, I’m wondering if there are any principles to keep in mind and any ways to go green cheaply?

An Irish Wish

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6 Common Spending Triggers to Watch Out For

Emotional triggers cause you to spend money. Maggie McGrath at Forbes made a list of the most common ones. 

  • Alcohol or hunger can lower inhibitions and cause people to buy and regret it later.
  • Emotional turmoil causes people to spend in an effort to gain control and feel happy. But the short-term gratification won’t last long.
  • Loneliness leads to purchases that temporarily medicate. But a Journal of Consumer Research paper says there’s a “loneliness loop” in which materialism and loneliness create a self-reinforcing cycle.
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5 Tips for a No-Spend Weekend

When you are down to your last few dollars, it may be time you have a No-Spend Weekend. Amanda, creator of CentsiblyRich.com says it’s a super way to save a little cash.

Impossible this weekend? Then, aim for another. Recruit friends to do it with you. You will be shocked at the fun you have while not spending a cent.

Make sure you have ingredients to eat all your meals at home. Cook things the whole family will enjoy. If you have activities to attend with your children, then prepare snacks and drinks so you won’t buy food while you’re out.

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We are all fighting a spiritual battle. But perhaps yours is even fiercer.

The U.S. military makes sacrifices every day. According to NBCnews.com, military families carry more debt and have fewer assets than civilians.

If you are one of those, Winnie Sun at Forbes.com offers several tips.

First, use your education benefits wisely. The GI bill is a perk that covers in-state tuition for up to 36 months and a limited dollar amount for private colleges for veterans. Although the benefits can be transferred to other family members, you may have to serve an extra 4 years. Research and request it early in your career.

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Do you care more about how long your car will last or how fast it will go?

According to AAA, 35% of the drivers in America have skipped or delayed a recommended service or repair. And, yet, the most effective way to keep repair costs down is to avoid them in the first place.

I’ve got a few tips for you.

Follow your owner’s manual for tasks like oil changes and tire rotations. Thankfully, newer vehicles are programmed with maintenance reminders. Just don’t ignore them. 

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Have your or your family experienced an unexpected expense in the past 12 months?

Jill Cornfield at Bankrate.com says the most common surprise expenses are related to vehicles, appliances, home-repairs, injury or
 illness. Unfortunately, nearly 6 in 10 Americans don’t have enough savings to cover an unexpected bill of $500.


This is a problem across our nation. When people pay with a credit card, the original expense can grow monumentally if not paid off at the end of the month due to high interest rates. Some turn to friends or family for help with the hope of paying them back. Others cut expenses in order to pay the bill.

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