Flora L. Williams, PhD, MDiv, RFC
www.shepherdsguidetofinances.com - www.FloraWilliams.com

Welcome to Williams' Website!
Read messages from internationally known Rev.Dr. Williams for her expertise in financial counseling, family economics, and resource management here intertwined with spiritual references.

Springing Forth: Growing Younger while Older Practical daily steps with Scriptures and songs suggest ways to "grow younger while older"  and deal with any loss.  Essays by various people address social issues of the elderly and provide edification and education.  Poems for praise, power, and prayer.

The Shepherd's Guide through the Valley of Debt and Financial Change will improve your excellence and expertise.  This is a Comprehensive Manual for Financial Management, Counseling Techniques, and Spiritual Guidance

(Click on How to Order, Books and Poetry, Author, Preview & Order or continue reading for details and then order).

 It develops your excellence and expertise. mobilizes resources within your clients, parishioners, and study group and their community.  This book is transforming - it offers direction for financial crisis intervention, responses to economic downturns, and inspiration for professionals, volunteers, pastoral care and counseling to meet today's most crucial needs.  Use it for personal devotions, study groups, one-to-one counseling, money coaching, mentoring and sermons.  Learn how to set goals, budgeting and planning, save more, give more, buy well, use credit, get out of debt, reduce expenses, communicate about money, premarital lessons, divorce decisions, fund college, get a job, overcome addictions, and retire.  Pastoral theology is intertwined with practical financial steps.  Many case studies illustrate and educate. Click on How to Order.(Click on books and poetry to see part of Table of Contents.  Write florawill@aol.com for complete table of contents for The Shepherd's Guide, Hand in Hand with God, and Poetry for Life Renewal.)

Hand in Hand with God:  Witnessing on the Way.  Read of the extraextraordinary experiences that will give you courage and hope.  In this inspiring book, Flora tells how by losing her hand, she found new ways to reach out to others.  An accident would have been a tradegy if it had not brought encounters with the Holy along the way.  Travel with her as she rearrangeds her life, piano playing and her environment.  Although disabled, she becomes God-abled.  Treatment of persons with disabilities is addressed.  Hope and education are intertwined with scripture.  This is a real life experience and a spiritual memoir. 

Click on Preview & How to Order


Renewal: A Collection of Flora's Poetry. Sp i r i t u a l   M e s s a g e s in this book   give hope and are thought provoking. Sample:                                                                                               

 A Day the Lord Makes        by Flora Williams  © 2006 (1)


It is ten till seven.

Went to bed at eleven.

What will your day be?

Sad, happy, or free?


Ask, God you will receive. (John 1:12 NIV)

Seek, God you will find. (John 29:13 NIV)

Grasp opportunities coming your way.

Work with cosmic energy in your veins.


Serve with joy.

Take the bumps.

Dodge the arrows.

Then tonight return to rest.

Trusting God whom you attest.