Know the state of your flocks, and put your heart into caring for your herds, for riches don't last forever… Proverbs 27:23-24
Until you really know what your financial status is you will never be able to improve it. Most people never really take the time to figure out what they spend. If they do, they are normally shocked.
I talked a young couple about their financial problems. They both worked full-time and they have three children. They were barely making ends meet. I asked them how much it would take to get them to where they did not have to use credit cards each week to survive. They said about $600 per month.
When I looked at their spending imagine how shocked they were to learn that they were spending more than $600 per month in eating out and bounced check fees! Just getting to know their spending habits helped them get a $600 per month raise.
Write Your Plan
A house is built by wisdom and becomes strong through good sense. Proverbs 24:3
Wise spending is planned spending. Yes, there are always unexpected bills. Cars break down, children get sick, and washing machines have to be replaced. When we do not plan our spending we tend to get angry with God when life happens. The tires of tithers still wear out.
It is best when we plan our spending. Planning for the unexpected is a part of that. Living so that there is a little margin in your life lowers stress, improves your mood, and makes everyone happier to see you.
Be content with what you have. Save for the future. Pay off your credit cards. Live below your means. Don’t be a financial Monet. Have you ever seen a painting by Monet? From a distance it looks good but when you get close it looks like a mess. You can change with God’s help! There is hope when we follow God’s plan.
Live By A Budget
Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty. Proverbs 21:5
Budgets are a necessary evil. Do not obsess over it but determine to use it as a tool to help you achieve your financial goals.
A budget helps you plan your spending and know where your money goes. It helps you plan for the future, get out of debt, and control your spending. People are often shocked at how much money “leaks” out of their pockets each month when they take a real look at what they spend and start keeping good records.