A budget is your single most effective tool for financial management. Without one, it’s all too easy to not know where the money went and to find yourself in credit card debt, without adequate savings, unable to give to God’s work, and just plain stressed out!
Why not make it your New Year’s resolution to develop a budget and stick to it? Rather than feeling constrained, you will be freed up as you exercise stewardship over the resources God has given you. No matter how much–or little–you make, a budget will help you become more financially responsible and relaxed.
Crown Financial Ministries has two online calculators to help you get started with a budget. The Spending Plan Calculator will show you the recommended percentages you should spend on housing, food, insurance, debt, etc,. and calculate the actual dollar amounts based on your income. The Budgetometer
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Feeling stressed out? Try this free online interactive study
If you’re married, it’s vital that your spouse be on board with the family budget, so make a date to talk about it.
Tags: budgeting, Christmas, finances, stacy wiebe, Women, World
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