Money
Values
A Devotional Path to Financial Freedom
by Tammy Niemann, ChFC®
Change your beliefs. Build your plan. Forty-two days.
Long before your first paycheck, you were handed a set of money values by your parents, your culture and your own life. Some were wisdom. Some were wounds. Money Values is a six-week journey that fixes the beliefs before it fixes the spending, fifteen minutes a day.
Not another Christian money book that begins and ends at the offering plate.
Your inherited money values quietly decide how you spend today, and no spreadsheet reaches that deep. In Money Values, behavioral finance meets biblical wisdom. Each day, your beliefs are held up to the light of Scripture, and as God renews your mind, your choices follow and your budget finally holds.
In six weeks, you will:
- iUncover the money story you inherited and choose what to keep
- iiBreak the grip of fear, shame and emotional spending
- iiiBuild a budget that outlasts March
- ivDiscover the freedom to give, save and enjoy without guilt
The Father in the story is not waiting to audit you. He has already seen you coming, and He is running to you.From Money Values
Five money values. Forty-two days.
Every day follows the same simple rhythm, so the habit is easy to keep.
The Word
Each day opens with a passage, from the prodigal son to the widow's two coins.
The story
Real stories from thirty years at the lending desk, the advisor's office and the pastor's study.
The heart
A short reflection that gets underneath the habit to the belief driving it.
The plan
One practical task, about fifteen minutes, that builds your money system piece by piece.
1Days 1–7Mindset Reset
Before a single budget line changes, the beliefs beneath your money must be examined: vending-machine faith, the purse with holes, and the question you've never been asked out loud.
Mindset Reset
Before a single budget line changes, the beliefs beneath your money must be examined: vending-machine faith, the purse with holes, and the question you've never been asked out loud.
- Day 1Vending Machine Mindset
- Day 2The Purse with Holes
- Day 3The Most Important Question You Will Ever Answer About Money
- Day 4Grace Is Gold. It Is Meant to Be Used.
- Day 5Faithful in Very Little
- Day 6The Weight of the Unpaid
- Day 7When Faith Gets Exploited
2Days 8–21Giving and Generosity
Generosity is not what is left over. These two weeks face the feelings that quietly write checks (guilt, resentment, the need to be seen), then turn to giving that is planned, first and joyful.
Giving and Generosity
Generosity is not what is left over. These two weeks face the feelings that quietly write checks (guilt, resentment, the need to be seen), then turn to giving that is planned, first and joyful.
- Day 8When Guilt Writes the Check
- Day 9The Resentment That Spent
- Day 10What You Cannot See From the Field
- Day 11Money Is a Tool, Not the Enemy
- Day 12Faithful Until He Comes
- Day 13The Widow and the Two Coins
- Day 14The Three Tithes Most People Have Never Heard Of
- Day 15Trusting the Son More Than the System
- Day 16One Word, Two Meanings
- Day 17The Dark Eye and the Good Eye
- Day 18The Generous Eye
- Day 19Giving Without a Receipt
- Day 20Love, Fear, and the Fruit That Follows
- Day 21Peace and Patience as Stewardship
3Days 22–28Stewardship Principles
Stewardship is faithfulness with what belongs to another: the fruit of the Spirit applied to a checkbook, honesty in marriage, and the courage to see what materialism has quietly cost.
Stewardship Principles
Stewardship is faithfulness with what belongs to another: the fruit of the Spirit applied to a checkbook, honesty in marriage, and the courage to see what materialism has quietly cost.
- Day 22Kindness and Goodness as Stewardship
- Day 23Faithfulness and Self-Control as Stewardship
- Day 24Gentleness as Stewardship
- Day 25Joy as Stewardship
- Day 26Debt Divides. Honesty Builds.
- Day 27Materialism Does Not Check Your Bank Balance
- Day 28The Man Who Stole From Everyone
4Days 29–35Contentment and Calling
Enough is a decision, not a number that finally arrives. This week draws the finish line on lifestyle and asks what your work is truly for.
Contentment and Calling
Enough is a decision, not a number that finally arrives. This week draws the finish line on lifestyle and asks what your work is truly for.
- Day 29The Discipline of Contentment
- Day 30The Finish Line on Enough
- Day 31A Gift, Not a Gift Card
- Day 32Give Us Today Our Daily Bread
- Day 33Marketplace Ministry
- Day 34Give Me Neither Poverty Nor Riches
- Day 35Student Loans and the Cost of Waiting
5Days 36–42Wisdom, Legacy, and the Finish
Proverbs was written for marketplaces, kitchens and paydays. The final week turns your real numbers into a written budget, then lifts your eyes to the people your faithfulness will outlive you to serve.
Wisdom, Legacy, and the Finish
Proverbs was written for marketplaces, kitchens and paydays. The final week turns your real numbers into a written budget, then lifts your eyes to the people your faithfulness will outlive you to serve.
- Day 36Work Your Land
- Day 37The Trustworthy Steward
- Day 38The Danger of Cosigning
- Day 39More Than This
- Day 40Build the Plan Before You Need It
- Day 41Character Before Capital
- Day 42He Who Began a Good Work
A complete money system, built fifteen minutes at a time.
While the devotional works on your beliefs, the daily Money Steps build a working plan. By Day 42 you'll have the whole thing, without ever spending an exhausting weekend "doing a budget."
Build your $1,000 emergency fundBreaks the dependence on credit cards
Track every single dollarA habit that carries through the whole journey
Build your Freedom AccountFor the expenses that kill most budgets
Attack the debt, tighten the leaksOne payoff strategy, one target
Budget the discretionary spendingBuilt from your real, tracked numbers
Save for retirement, plan your legacyBeneficiaries, a will, your wishes written down
Small, faithful, daily. Don't skip ahead, and don't try to catch up all at once if you miss a day. Paid on commission or have an irregular income? The book includes a chapter that adjusts the order of the steps for you.
The book meets you where you are.
Some readers pick it up the week the water is already at the door. The book opens with a page just for them.
- Call before you miss. Options exist before a missed payment that disappear after one.
- Get free, legitimate help from a nonprofit credit counselor accredited by the NFCC (nfcc.org).
- Read two days out of order: Day 6 and Day 29, then return to the daily walk.
About the author
Tammy L. Niemann, ChFC®
- Financial services
- 30 years
- Designation
- Chartered Financial Consultant
- Today
- Wealth Advisor
- Ministry
- Associate Pastor
- Home
- Oconomowoc, Wisconsin
Tammy has sat across the desk from borrowers in crisis and across the pew from parishioners in despair, and she has learned the two conversations aren't as different as they first appear.
Her career began on the front lines of residential lending. She founded and ran her own mortgage company and carried it through 2008, watching families who had done nothing reckless lose homes anyway. That season is a large part of why this book insists on a cushion long before it mentions a return.
Today, as a Wealth Advisor, she walks families through retirement decisions and the long work of stewarding what they've built. As a bivocational associate pastor, she has spent more than twenty years walking alongside people in financial distress. Married for twenty-four years, she and her husband have raised two children.
A budget is just fourth grade math. Your money mindsets, values, and personal money traumas determine whether you can stick to it.
Built to be walked together.
Forty-two days divides naturally into six weeks. Weekly Review pages after Days 7, 14, 21, 28, 35 and 42 are ready-made session breaks.
Read on your own
Members read one day each weekday: devotional, challenge and Money Step.
Meet once a week
Walk through the week's review together: the truth that landed, the tracking check, the adjustment.
No numbers required
No one shares figures, so there's no comparison and no shame. The group's job is encouragement and accountability.
Planning a study for your church? Get in touch about group orders or having Tammy speak.
Reserve your copy.
Money you can earn back. Years you cannot. Money Values releases soon in paperback, hardcover and eBook. Pre-order today and be ready to start Day 1 the week it arrives.
Paperback
$17.99ISBN 979-8-9979520-0-6Hardcover
$26.99ISBN 979-8-9979520-1-3eBook
Coming soonISBN 979-8-9979520-2-0To pre-order, email hello@goodcentspress.com with the edition and number of copies you'd like. After release, any bookstore can also order Money Values using the ISBN.
Pre-orders, groups and speaking
To pre-order Money Values, tell us which edition and how many copies. You can also write about church and small-group orders, speaking requests or interviews.
hello@goodcentspress.com