We have lived very frugally, and our family motto is to “Buy used and saved the difference!” We shop at thrift stores and garage sales.

About 19 years ago, I (Jim Bob) went to a bank to inquire about borrowing a large sum of money to expand my business. A few days later, a successful businessman invited the men from our church out to his house every Friday morning for breakfast and to watch the " Jim Sammon’s Financial Freedom Seminar". I agreed to attend, as well as 50 other men. After just seeing the first session, the truths from God's Word being taught through Mr. Sammons began to convict me of my need to "owe no man anything but love." I decided right then to postpone the loan. I continued to attend the seminar, and after 20 weeks (to my amazement), God totally changed my view of not only His purposes for finances, but also how we are to be wise stewards of everything God entrusts to us. Later that year, this man had the seminar at our church and Michelle & I were able to attend the seminar together. After we both heard the testimonies of God's methods for finances, Michelle & I purposed to become debt-free. As we have chosen to trust Him, I have seen God provide for our family in ways that are supernatural. I encourage every family to watch this seminar, the testimonies Jim Sammons shares are so encouraging that our family enjoys watching it together. He challenges you to give every area of your life to God. You can now purchase this seminar on DVD and the Men's Manual Vol. 2 textbook that goes with it for only $109. This will be the best investment you have ever made. It has saved us and made us thousands by applying Biblical principles to every decision of life. (We do not make anything off this we just want to encourage others with resources that have helped our family.)