The Shepherd's Guide through the Valley of Debt and Financial Change
The Shepherd's Guide through the Valley of Debt and Financial Change
A Comprehensive Manual for Financial Management, Counseling and Spiritual Guidance
Perfect Bound Softcover
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The Shepherd’s Guide through the Valley of Debt and Financial Change is the most comprehensive manual for financial management, planning, counseling, and coaching available. This encyclopedic book (419 pages) contains the basic information and techniques with facts, references, illustrations, worksheets, and case studies.  Besides the most crucial issues of today, unique features are 15 budgets/plans, addictions, divorce counseling, low-income resources, pre-marital education, adjustments to financial crises/downturns, funding for college, office politics, economic theology, pastoral care, and Scripture references.  New concepts of “financial freedom” are presented.  It is a practical resource management book for those who need the education themselves and equips them to assist others.

An overarching promise is " first God's kingdom and righteousness, and all these things will be given to you as well" (Matthew 6:33).  Priorities are reestablished.  We receive alternatives for resolving financial issues:  increasing income, reducing expenses, being more efficient, changing lifestyle, and adjusting in an economic downturn.

Rev. Dr. Flora L. Williams is Professor Emerita, Ordained Minister in the Church of the Brethren, Registered Financial Consultant, Church Musician, Wife, Mother of three, and three grandchildren.  The faith journey is her most important venture.  She credits accomplishments to the leading and energizing of the Holy Spirit.  Her motto is to glorify God and serve others.  She has served as university professor, accredited financial counselor, investment advisor, money coach, chaplain and interim/intern pastor.

                Her educational journey began at Manchester College and continued at Purdue University.  After public school teaching for eight years, she taught for 32 years at Purdue University, the University of California at Davis, Jia Tong University in Shanghai, China, and the Viscosa Federal University in Brazil.  After university retirement, she attended Bethany Theological Seminary earning the master of divinity.

                Flora has written 18 books on family economics, financial counseling and planning, one spiritual autobiography, and a book of her poetry.  She has written over 100 research articles and papers on quality of life, family economics, counseling, crisis intervention, and poverty issues.  She started the major in financial counseling and planning at Purdue University.  She founded and directed the financial advising clinic at Purdue, named "Outstanding Financial Counseling Center" in the United States in 2001. 

                Many awards include the Sagamore of the Wabash, the highest Indiana award, Golden Medallion for scholarship and encouraging women faculty/ students, Purdue University and Manchester College outstanding alumna awards, AFL-CIO Union Counseling Service Award, National Foundation for Credit Counseling contribution award, Who's Who in America, and Outstanding Achievement in Poetry by the International Society of Poets 2007.  She has been on the board of directors for In-Charge Institute and the International Society for quality of life studies.  She has written materials and tests for the NFCC to certify financial counselors.  She is past president and "distinguished fellow" of the Association for Financial Counseling and Planning Education, an international association.  She is a speaker in training professionals. She has worked with Habitat for Humanity as part of her clinic and with New Focus, a church program, as a "financial coach."  She speaks to community groups, churches, banquets, student groups, and disability support groups as she lost her right hand in an accident several years ago. She and her husband regularly do the worship services for nursing homes.  She is substitute chaplain.


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