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Find Help to Plan a Budget if You Do Not Have One!


If you trust just in yourself, you will be in trouble. When you trust in God, you are right where you need to be! Be sure to plan a budget.

I am sure you have asked yourself, why bother to try to prepare a budget at this point in life? I have both lived without a budget plan, and also, I have lived with one. Without some system, all the encouragement you want will not help that much. Without any doubt or hesitation, to plan a budget it is so much wiser and easier that leaving things up to chance!
There are different types of budgets that you could consider, using envelopes for each category of spending, using a notebook writing down on each page a spending topic and updating it each time you pay a bill in the mail with a check. You can plan a budget on your computer, but whatever you decide to do, make sure you are keeping track of your finances in some way or another. ~ Bill Greguska

If you do not plan a budget, your thinking patterns will end up look somewhat like this:

  1. I see it
  2. I want it
  3. I desire it
  4. I need it
  5. I buy it
  6. I am not satisfied




Are You Prepared to Manage The Lord’s Money 


We came into this world with nothing, and we will leave this world the same way! Plan a budget but remember everything belongs to the Lord!

People are highly interested in cash. Money is useful. How much do we know about money and its impact on our personal situations? How prepared are we to manage it? Are you ready to be responsible for planning a budget?
We have to be aware that the usefulness of money doesn’t explain our behaviors in regards to money; i.e., wanting more and sacrificing to do so.
1 Timothy 6:6-10 But godliness with contentment is a great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.
Work Diligently as unto the Lord Colossians 3:23-24 Whatever you do, work at it with all your heart, as working for the Lord, not for human masters, since you know that you will receive an inheritance from the Lord as a reward. It is the Lord Christ you are serving. 
Click here to get a free spreadsheet budget calculator that will help you with your budgeting.

Some additional things to consider when you plan a budget:

  • Stress is a serious matter and should never be taken lightly; financial problems can be one of the leading causes of stress.
  • Regarding your personal finances: Ensure you and your spouse are on the same sheet of music (the same personal financial statement and budget).
  • You both need to know: Where you are at financially? Where do you want to be? How are you going to get there? 
  • It is OK for one of you to be responsible for balancing the checkbook and paying the bills. Just do so with the understanding and knowledge of both.




Plan a Budget And Plan to Use Your Money Wisely!

The budget is not just a collection of numbers, but an expression of our values and aspirations. ~ Jacob Lew

1 Timothy 6:10 For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.




Related Pages of Encouragement:

A Special Link for a Little Extra Encouragement


To Plan a Budget Keep it Simple as Possible!

  1. 10% give to charities, church, others in need
  2. 10% save in the bank or mutual fund
  3. 10% live on each month

Proverbs 6:6-8 Go to the ant, you sluggard; consider its ways and be wise! It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest.


Free Budget Downloads:

  1. Free Budget Calculator 
  2. Free Budget Builder
  3. Free Budget Calculator Starter
  4. Free Start A Budget Basic Plan




Is Your Financial House in Order?

Start a budget plan!

  • Do you have a clear picture of your financial situation?
  • Create a personal financial statement that in which you will identify your assets, liabilities and net worth.


Free Financial Statement

Track your monthly spending (down to the penny)

Free 30 Day Financial Diary


Many people don’t know precisely what they owe. Create a debt list that contains:

  • Creditor
  • Describe what was purchased
  • Monthly payment
  • Balance due
  • Scheduled payoff date
  • Interest rate

Free Debt List

Many people don’t know precisely what they are spending. Create an estimated spending plan:
List monthly gross income
Subtract giving and taxes
Compute net spendable income
Determine surplus or deficit (net spendable income – living expenses)

Free Income and Monthly Expenses


Strategy to pay down your debt:

  • Rank all debt to amount due
  • Pay the minimum on every debt except the debt in position number 1 – for this debt pay the minimum plus whatever additional fund you have available.
  • Adjusting your spending plan 
  • Increase your income 
  • Reduce your spending


Percentage guides for family incomes:

  1. Free Singles Budget Plan

  2. Single Parent Budget Plan

  3. Free Family of Two Budget Plan

  4. Free Family of Four Budget Plan

  5. Free High Housing Costs Budget Plan

  6. Free Family of Six Budget Plan






Please contact us if you have any questions or comments or would just like some encouragement?

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A budget tells us what we can’t afford, but it doesn’t keep us from buying it. ~ William Feather

1 Timothy 6:10  For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.