Testimonials
But I consider my life of no value to myself; my purpose is to finish my course and the ministry I received from the Lord Jesus, to testify to the gospel of God’s grace. - Acts 20:24
We have absolutely loved LifeChange Concepts! We learned a lot about how to handle finances practically- this is the first time we have ever been able to start a practical budget.
We thought we have known for a long time how to follow a basic budget but did not really understand the depth of it until now. We also learned a lot about investing which I knew nothing about before this class.
That being said, we learned so much more about my relationship with Jesus and how that relates to finances than we even knew possible. We expected this class to be mostly just practical finances but everything was related back to biblical principles and it made it mean so much more.
We learned so much about ourselves and how we feel about money. We learned that I all of our money is actually God’s anyway, and we are just a steward of it. This perspective has helped us so much. It has helped us be content in Jesus instead of thinking we need anything new and shiny to make me happy.
Rachel and Tyler, engaged couple
I am a real estate agent and I attended Bill’s overview session on Personal Finance for Adults to see if this would be good for my clients that want to begin preparing to purchase a home. However, my focus began to shift on me and my personal finances.
The foundation of the concepts being taught are based on biblical principles, and I realize that God is the owner of everything and I am the manager. When you understand and put into practice managing your finances according to the word of God, you will be able to give the way you want to give, help people, enjoy your life, invest, and sleep peacefully at night.
Attending this session reaffirmed what God has been speaking to me about my finances. The resources and information I received during the session gave me the desire to reevaluate my finances so that I can better glorify God.
Thank you, Bill, for doing what God has asked you to do. This was really great and I will definitely share with my family, friends, and clients.
Taniece
Hey Brother Bill – I just wanted to let you know that our family really appreciates you for having a spiritual positive impact our son's life! You are truly Heavenly sent to help mentor & build the lives of our young men! May God continue to Bless you with a very special talent in reaching people when they need it the most! With sincere Love, thank you Brother!
Terrell C.
LifeChange Concepts has taught me so much in a short period of time. Bill Renje was very professional and he made us feel comfortable with asking questions about our financial goals and decision making.
I’ve learned the importance of money management and making better financial decisions for myself and family as well. I’ve learned to cut back on unnecessary spending, instead I’ve incorporated a budgeting plan. I am so looking forward to these concepts in my everyday living. I was delighted to be a part of his class.
Renita is a young, single mom who completed our program through the Pregnancy Resource Center. She will be staked to a $500 investment account and is committed to a budget while making monthly contributions.
Renita
Thank you so much for you uncounted efforts and your time you have installed into my boy. I have so much to say but I will sum it all up into this, “we will forever be family.”
Charles W.
Bill has been such an encouragement to us and an inspiration to our ministry. We were so blessed at Oneway to have him come and share his testimony and what God is doing through his ministry. Bill shared with us how he went from a life of darkness and despair to victory in Jesus . This is exactly what we teach at OneWay ( recovery ministry for freedom from addictions and strongholds). We are not what the world says we are; but what the word of God says we are. We are not defined by our past addictions or disabilities but by our identity in Jesus.
Richie Howard
In LifeChange Concepts we learned many different things, from simple financial terms we’d never been taught, to how to wisely invest our money. Bill teaches the material very well and was very flexible. He also was constantly reminding us that the money is God's first and foremost. We would definitely recommend LCC to anyone looking to learn how to better steward the money God has given them.
Nathan and Rebecca
Brother Bill is a very important assess to Lovejoy High School athletics department and the community as a whole. He is a great mentor to me, to our student athletes and he helps out with our FCA program. He has shown great leadership to all of us.
Coach Mitchell
LifeChange Concepts has taught me so much that I was not informed of before. I’ve never had parents who were great with finances, so being able to learn these things I feel, will strongly benefit me in the future. Learning it from a spiritual perspective was extremely helpful. It made sure that I was not learning how to manage my finances for myself, but instead being a good steward of my finances for the Lord. Having a class that teaches how to be a good steward of your money, while also doing it in a Christ-like manner is something that I wish could be more accessible for everyone to learn, because it has taught me so much.
Haviland
The financial class presented by Mr.Bill was a great blessing to me. It was a reminder that we are stewards of God’s money. There were various concepts covered that can be used at any age. I am really excited about the immediate impact as well future impact the information shared will have on their lives. I believe a great foundation is the key to success.
Coach Floyd
Head Football Coach
Jonesboro High School
Brother Bill and his ministry have gotten me through trouble times. They have kept me going even when I wanted to quit. The ministry has taught me life lessons and how to depend on Jesus at all times. Brother Bill has helped me become a better man and a better athlete. He’s kept me going ever since I’ve met Brother Bill and his ministry. I appreciate all he’s done for me.
Israel
Brother Bill has impacted my life greatly. He changed my perspective of life. One very valuable thing that I can take away from his ministry is to rely on Jesus when I feel like nothing great is happening in my life. Brother Bill personally has taught me trust Jesus’ timing for the blessings that come in my life.
Nolan
Thank you so much for offering this class, especially at no charge. It has helped me tremendously! I really enjoyed how the class was a discussion more than it was sitting and being taught by a teacher. I felt very relaxed when talking about finances, which is a first, and I felt very comfortable asking questions. The booklet also helped A LOT, and I will be keeping it and consistently reviewing it overtime.
I learned that finances don’t begin with numbers and knowledge, but it all starts with The Lord and surrendering to Him what belongs to Him. I learned how spiritual contentment translates into your finances, and I learned the importance of praying and asking for God’s guidance in every financial decision. Most importantly, I learned that I don’t have to stress about my finances because it’s not my money to stress about to begin with. That was extremely freeing.
I learned the importance of avoiding debt, and practical ways to avoid it. I learned to how evaluate whether I am making a good financial decision when it comes to big purchases like a home or a car. I learned what things I can live without in order to save money and still be content. I learned the importance of a budget and how to implement one effectively.
Kara
I learned from Brother Bill what it means to be a real leader and setting an example for others. I learned the importance of serving others and treating them like family. Each of these things helped me become a more positive person, and it shows me the mindset I need to have each and every day.
Cam
I appreciate your willingness and sacrifice in showing me how to be a better man. But more than that, for showing me how to follow the Lord the correct way. I can’t say thank you enough.
Austin
Overall, Mr. Renje's course was a 10 out of 10, that I would take again. While out with friends, we swipe and tap cards, mindlessly spending more than intended.
As a teenager, there are far less financial responsibilities than as an adult. But the habits and lifestyles instilled are difficult to turn from as we become adults. This course has given me the ability to recognize, unnecessary overspending. Furthermore, I am capable of correcting the issues not only the effects, but with the spiritual causes as well.
Reagan
Throughout this course, Mr. Renje has done a great job of connecting spiritual values with financial principles. I’m so thankful for all the valuable skills I have learned and all the “little foxes” I can now avoid. By looking at the crazy world of finance through a biblical lens, you can really see how much your quality of life will be improved if you place your trust in God and remember that we are stewards of his gifts.
Finn
Being in this investment club has taught me many things. For example I learned how to budget my money correctly which is something I need in the future and I’m glad I got to learn this information at this age because even my mom could not teach me this type of information because nobody taught her. Spiritually this has taught me that in order to happy and finically stable I need to build a good relationship with god.
Rain
This class has taught me valuable lessons in ways that were not overwhelming. Mr. Renje made sure that we understood each concept before moving on to the next. Because of this class, I know how to make smart financial decisions, and I gained a better understanding of being a steward of God's money.
We are all just the managers of God's money and it is up to us to make smart financial choices. I also learned the basics of purchasing a car and a house, which is something that before this class I knew very little of. I highly recommend this class to anyone that is considering taking it.
Shaylyn
Bill is tirelessly dedicated to the mission of good stewardship and handling our God-given resources in a Christian manner. He has been teaching our engaged couples this past year and I am very pleased with his work.
He has his method yet is flexible at applying it in our workshops. He is great to work with and I highly recommend him to anyone who would like to grow personally or to advance the Gospel message in this area.
Daniel West
Marriage and Family Lead
Catholic Archdiocese of Atlanta
Bill teaches our clients at The Bridge Wellness (formerly the Pregnancy Resource Center) a holistic approach to money management. He emphasizes the need to not always think materialistically about the money one earns, but to recognize God’s plan and be a good steward with the resources He provides.
The information Bill shares can help one to focus on the right things to stay out of debt and prosper. It is a refreshing and very logical view that proclaims truths that are hard to find in a world that is centered around “self”.
Carol Corbin
Client Services Director
- The Bridge Wellness (Pregnancy Resource Center)
Last year I had the opportunity to purchase my first home. While I had to do it alone, I felt prepared when I began thinking of Bill’s concepts on financial planning. I can’t tell you the times through conversations at meetings or his social media posts, Bill would drop gems of knowledge on Good Credit, savings, and how to implement a budget.
I can truly tell you I’m am very thankful and blessed to have Bill in my life as a brother, co-labor in the Gospel, and a financial whiz!
Bill is truly a diamond in the rough and one of God’s 5 Star talents changing lives daily.
Daryle
Thank you for everything you did for me my senior year, from keeping me out of trouble to being there when my mom left. You really looked out for me and I appreciate all of it. I don’t know how I could thank you enough. You kept my head up straight and good with the Lord. Now he’s leading me on a wonderful journey. I have Jesus Christ no matter where I go.
Adam D.
I met Bill back in my sophomore year of high school. Honestly he was just a guy who spoke during my schools FCA meetings a few time until one day he asked for my story. An I had to have been showing my emotions because he was the first in long time to genuinely care an ask. Since that day he’s checked on me an gave me answers to questions in life I, myself, at just 22 years old don’t know or have yet to learn. Thank You God, For the Blessing That is my role model/mentor.
Emmory M.
Brother Bill has been a huge inspiration since I first met him, about 5 years ago, as an FCA leader for the Lovejoy High School football team. Unknowingly, our relationship positively transitioned as Life Change Concepts began to blossom. Now, Brother Bill is my go to Life Coach, and what can I say .. It has been Life Changing! Thanks for everything Brother Bill, continue to prosper!
Mike M.
LifeChange Concepts helped me see where I should be money-wise and what I should take into consideration before making major financial decisions, like buying a house, so that I can confidently work toward my goals. From a spiritual perspective, it reminded me that, ultimately, I am only a steward of my money, so I need to be continually mindful of how I use my resources.
Overall, I feel more confident and informed about making wise financial decisions that honor God. I found the sections about buying a car or house to be the most helpful because I wasn’t really even sure where to start when deciding what kind of payments I could afford or what I should consider when making these more expensive financial decisions.
Rebekah
As a young married couple we could not be more appreciative of this wonderful ministry. It is the perfect balance between modern day financial knowledge and God's word on stewardship. We have faith that we can break the cycle of financial issues that have plagued both of our families using the knowledge gained through this course! Thanks Bill! We are forever grateful!
Clifford & Mary, young married
Bill was incredibly helpful when it came to working with our budget. He was clear, concise, and realistic with our money management goals. We feel more prepared to manage our money in a way that is responsible and God honoring.
Nathan & Yvonne, newly married
The class was exceptionally encouraging for me, practically and spiritually. Mr. Renje’s financial counsel is a breath of fresh air in an age of misinformation and self-gratification. By learning how to better manage my money and make it work for me, I am becoming a better steward of that money, as well as remembering Whose it is. I highly recommend the class for anyone looking to better understand and manage their finances. I would not hesitate to seek Mr. Renje’s counsel for any of my financial matters in the near future.
Logan
LifeChange Concepts has been a true blessing from God that awakened, foundational principles and truths about money and time management that I have been eager to learn about.
I appreciated the clarity and depth of knowledge that Bill brings to the course. I am able to set new goals and plans, I have learned new values and a new respect for my money and time management. From the 5 places Gods money can go, to Banking and investing, understanding debt, Renting vs Ownership, budgeting, and cash/ debit cards.
This has truly been a great educational as well as spiritual journey for me. Thank you Bill.
Josie - wife, mother &
grandmother
I'm thankful for you in my life because you helped make me into a better person by growing closer to God. I thank you for that.
Zion A.
LifeChange Concepts taught me the importance of tithing/giving. I never realized how important it is to give back to the Lord what He has given to me. It especially hit me hard when we talked about He should get the “first fruits” and not whatever we have leftover. And that starting small is okay.
I also learned about investing, being content with what I have, and saving! Which I felt like I knew about all of those things but sitting down and actually looking at it from a financial point of view, I really had no idea until you went into detail with it.
Hannah
Brother Bill’s ministry helped and impacted me by helping me become a good leader. Not only that it explained to me what a good leader, and characteristics of one was. The ministry also helped me get closer to god with the lessons and talks we had everyday Brother Bill came to the school.
Jekail
The workshop gave us a why and a how, a practical course of action, which so many biblical classes lack. The financial concepts we learned are absolute essentials. I just wanna thank you so much for coming out!
Jacob (A Better Way recovery group)
Brother Bill thank you for giving us knowledge financially, teaching me how to save, how to budget future wise and saving money that can come in handy for the future. I’ve learned a lot throughout the program, reading bible verses and taking in manly information. I learned how the financial and tax charts work and credit scores and financial things we have to pay for such as bills and things like that.
I just want to say thank you and I’ll never forget what I learned and I’m ready to see what the future holds.
Zacc
Mr. Renje was more concerned that we understand the concepts than in our grades. He made sure that we understood and was a very good teacher. I learned how to invest properly and how to manage a budget the right way with getting rid of wants and only focusing on the needs. I learned that we do not own the money, we only take care of it. And cutting back on once can save thousands and help you in the future with a car and a house.
Andrew
In Brother Bill’s financial class through Christ, other teammates and I learned the importance on saving and being wise with the money we are blessed with. Throughout the sessions we learned about the difference between a need and want, budgeting, mortgages, and car payments.
The class was very informative and a great resource for young adults going off into the real world such as me. I benefited a lot from these sessions and this is information i will be using in my upcoming years working and serving god. The class was a great opportunity that was truly a blessing and is an opportunity many more should take.
Sydney
The information taught in LifeChange Concepts are pieces of gold. Instead of overwhelming students with unsystematic financial tips, Mr. Renje builds a cohesive curriculum founded on Biblical principles.
After examining the truths about giving, spending, and saving, students are given hypothetical, real-life opportunities to invest, create a budget, purchase a vehicle/house, and more. Students also learn the value of faithful stewardship and how to avoid the ignorant mindset many American’s have about money.
As a teacher, Mr. Renje shows patience, commitment, and kindness towards each student. He is quick to respond to emails/texts and eager to provide answers to students seeking help. As a whole, LCC efficiently plants seeds that will continually grow as the student embraces his/her future.
Gavin
LifeChange Concepts shifted my perspective on finances. Pairing practical concepts with Scripture has taught me how to be a good steward of what God has entrusted me with. Bill has equipped us to manage money well, all while leveraging our finances to further the Kingdom and bring glory to God in every aspect of our life. I will come back to the information from this class throughout the rest of my life.
Erica
Bill’s class was such a great way to kick off our marriage together! We started the class engaged, and ended it with our wedding that following weekend!
Bill is awesome, and he’s so knowledgeable in the area of finance. We learned so much about Biblical finance, and the reason why we should follow wise, financial principles. He answered a lot of our questions we had, and he’ll be someone we continue to use as a resource in the future.
He has an awesome heart to help young adults, and we’re thankful we got to spend time with him and glean from his wisdom as we start out our new marriage!
Michael & Anna,
newly married
Going to Brother Bill’s leadership meetings helped me develop as a person and as a leader. I learned to not focus on that one bad thing that someone said about me but to focus on the many good things people have said about me. I’ve also learned patience. Great leaders have to have patience. Nothing will come within the snap of the finger, you have to have patience.
Jordin
Thank you Bill for always being a great mentor in my son's life. It truly has meant a lot to me.
Tiffany
I am thankful for Bill Renje and LifeChange Concepts. Without them, I have no clue how I would have went about even beginning to learn about financial literacy or if I even would have started in the first place.
One of the biggest takeaways was the biblical foundation that was laid, about what God says about money. One final take away was the creation of a budget.
I can already see a difference in spending habits and decisions. Thank you Bill and thank you LifeChange Concepts.
Tim
Thank you for your prayers and encouragement! You are truly a blessing in these young men lives! You represent the Kingdom well!
S. Arnold
Parent
Bill Renje has been doing amazing job with Life Change Concepts. Being in my 40s, I wish I would’ve had an organization like his teaching me the fundamentals of how to steward God‘s provision correctly. I have personally reaped the benefits of LCC and would recommend it to everyone.
I know I also know young adults that have went through his organization and it’s great to hear their testimonies also. This is a Life Changing Concept for sure!
Chris S.
Bill was really able to bring a good perspective on worshipping God with our money. I am glad I took the class because now I understand that being lackadaisical with money is a root spiritual issue, not just something people do and it’s okay. Everything that flows from our heart is either spirit or flesh, and God has showed me that the habits I have with behavioral finance are a mirror image of my walk with the Lord.”
Adam D.
Thank you for taking time to meet and share with me what a biblical budget looks like. Thanks for helping me with the budget and the envelope system, suggesting other money saving steps into the system, and also for showing me about how I can earn more in my 401k. This has helped us as a family.
Scott
Brother Bill has taught me many things like investing , saving, budgeting, and seeking God most importantly. I've learned that when you seek and do right by God many things will be added unto you.
I've also learned about long term things like investing in stocks and bonds, the "correct" way to buy a house and cars, and knowing what and when to invest your money in things all while seeking God.
Miracle
After working with Life Change Concepts, we have a much better handle on investing and saving for our future home. Walking through the basics of money market accounts, mutual funds, and other low-risk investments as well as comparing FHA vs conventional mortgages has better equipped us to make competent financial decisions.
Not only that, but we have changed our perspective on money from one of ownership to one of stewardship, seeking to manage wisely the financial resources God has granted us.
Zach & Hannah, engaged couple
It can be embarrassing to be seen getting help from someone else for your finances instead of doing it yourself. But that's what LifeChange Concepts is all about. We all need a little help now and again. Bill Renje will always steer you onto a good path the best way he knows how. I have really enjoyed this ministry. It has truly opened my eyes to very important information that is very valuable to a younger adult like me.
I am only a manager of the wealth God has given me and everything that I have is not my own. Wise spending/management may be challenging, but with God's help, faith in Him, and time... you will never regret it.
Samuel
During the time in Brother Bill’s ministry I learned a lot. He is truly amazing with the teachings of God, as well as David, Paul, etc. He opened my eyes up more about having the faith and trust in God and also fighting through adversity when times get tuff. Even though I could say even more about the program and Brother Bill, the last thing I could mention is that he teaches the importance of leadership and how effective it is on others around you.
Shayne
I was truly blessed with the opportunity to learn from Mr. Bill who helped me in a way to be able to provide for my kids as a single mother and knowing that my help comes from the lord.
I learned a lot my main takeaway was understanding wants and needs and how to manage money better understanding that God will always supply our needs. That in any financial situation God should be involved when making decisions. Of course we need money to survive but it’s all about managing and budgeting.
I understand now that I might not be perfect but doing good in the world, giving back every chance I am given opened my eyes I can be that change in someone else’s life. The ministry was a great opportunity to be able to get a better insight on how I can be a better person in Christ by giving back, paying tithes and making adjustments so thank you!
Brittany