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Ministries & Classes

Personal Finances

Do you have a plan for your money? Are your finances out of control? Wondering how you will ever buy a house or put your kids through college? Let us help you with these issues and more through spending plans, debt reduction, and setting financial goals that best suit your family’s needs.

What is Financial Peace University®?

Dave Ramsey’s Financial Peace University is a biblically-based, 9-week study that teaches families to get rid of debt, manage their money, spend and save wisely, and give like never before!

FPU is the most important step to changing your financial future. It takes the knowledge from God and turns it into real action in our lives through a step-by-step process taught by best-selling author and financial counselor Dave Ramsey.

The nine weekly topics are: Super Saving, Relating with Money, Cash Flow Planning, Dumping Debt, Buyer Beware, The Role of Insurance, Retirement and College Planning, Real Estate and Mortgages, The Great Misunderstanding.

Who is Financial Peace University® for?

It's for EVERYONE...from the financially secure to the financially distressed. Whether you make $20,000 or $120,000, are 16 or 66, married or single, it’s for you. On average, FPU graduates have paid off over $5,300 in debt and saved $2,700 during the 9-week program!

When does the next FPU course begin?

September 19, 2017.

Cost: $100 (includes materials and registration for your family, older teens welcome)

How do I register?

Registration is open. You may use link below to register & pay for the class and for child care. Space is limited and pre-registration is required at least one week before the next class begins. Childcare is available for nominal donations. To help us adquately staff and care for your children, we ask that you pre-register them also.


You can also register by mail. Include your check for $100 and all registration information (names of family participants, your mailing address, contact phone number(s) and email address) to Valley Real Life, Attention: Sharon Palacio, P.O. Box 397, Spokane Valley, WA 99016. Please make checks payable to Valley Real Life. If you are needing childcare, please pre-register them using the link above.

For more information about Financial Peace University® contact Sharon at or go to

Individual Counseling

Individual financial counseling, based on Dave Ramsey’s principles, is also available. Contact Sharon at to schedule an appointment or for more information.

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