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Touya Kelley

Touya Kelley has spent the last 5 years of her life offering financial solutions to people. On her personal finance blog Break Free And Win, her goal is to help and encourage others to manage God's money well.

The Cryptocurrency Market Compared to the Stock Trading System

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The cryptocurrency space is still young and being developed and many people have questions. My goal is to hopefully give you a little more knowledge of how the cryptocurrency market works. To accomplish this, I will compare it to the traditional stock trading system. When using a traditional stock trading …

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How to Set Savings Goals and Stick with Them

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Let’s face it.  Saving is probably not your favorite thing to do with your money but it’s necessary.  We should save money to afford purchases we plan to make. Some of those purchases will be for things we need and things we want.  We should also save money to plan …

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Effective Ways to Cut Your Monthly Expenses

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If your budget has gotten off track or you’re having a hard time sticking to it, it may be time for a refresher on ways to cut costs and live more frugally.  In America, this is how we spend most of our income (in order): housing, transportation, food, personal insurance …

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Banking: Are You Paying Too Much in Fees?

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Banks are competing for customers so remember to consider and compare all fees you have to pay when opening an account or evaluating your current one. Here are some common checking account fees to be aware of: Overdraft Fees Overdraft fees are currently the biggest money makers for banks. They …

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Building Wealth: 7 Steps to Get You There

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Anyone can develop smart money habits that will allow them to begin building wealth. If you can avoid making foolish mistakes with your money, there’s a very good chance that you will have more money than you need. That’s a good place to be. When you have a lot more, …

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Three Reasons Why You’re in Debt

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Being buried in debt can be extremely discouraging, but there’s hope. I am listing three reasons why many people can’t get out of debt and some simple ways to turn things around. You Don’t Know How Much You Owe I’ve met many people struggling with their finances only to find …

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Why Your Money Is Not Actually Yours

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All of our money belongs to God and we are to be faithful managers of His money. As stewards, we have a responsibility to use what we have been given wisely. It’s our responsibility to ensure that we are seeing “our things” not as our possessions, but as His. This …

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Taking Ownership of Financial Mistakes

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We all make money mistakes and we feel awful about them when we do. If you ever made a money mistake and are plagued with regret over what you did or didn’t do with your finances, you’re not alone. Just don’t let that mistake weigh you down and keep you …

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The Crippling Effects of Debt

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We are going to explore some of the ways debt affects our lives. Debt is a form of bondage that limits your freedom, and eventually keeps you from living your best life with each reckless purchase. Here are some of the ways debt can impact your life without you even …

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