Plan A Budget If You Don’t Have One!

Plan a budget!

You will discover that it is not that hard to plan a budget, the thing is to just get started! Here are some encouraging scriptures about money.



Plan A Budget Or Plan To Fail!

Plan A Budget If You Do Not Have One!

When you plan a budget, it will make your money problems manageable!


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 than 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



How to Get Out of Debt Using a Debt Snowball

With all those payments going out each month, there’s nothing left for you. To get out of debt, you’ve got to change your habits. Create margin. Earn extra income. Live on rice and beans. You can be debt-free. We’ll show you how.

1) List your debts in order from smallest total payoff balance to the largest.

Don’t worry about the interest rate, unless two of the debts have a similar payoff balance. In that case, pay off the one with the highest interest rate first.

2) Get your debt snowball rolling by paying as much as you can on the smallest balance.

Only make minimum payments on all the other debts and put everything you can into the first debt. When you knock one out, cross it off. This will show you how close you are to becoming debt-free and keep you fired up!

3) Once you’ve paid something off, move on to the next debt on the list.

As the payments roll over, watch how fast your payoffs grow. You can be out of debt sooner than you think.

God’s Advice About Money

Be generous in giving, and not just on Thanksgiving

Proverbs 11:24 One who gives freely, yet gains more


This is something that should be practiced every day, not just on a holiday

Proverbs 22:9 A generous man will himself be blessed


Help the poor, that is no folklore

Proverbs 21:13 If a man shuts his ears to the cry of the poor, he too will cry out and not be answered


Be careful about borrowing, because of the following

Proverbs 22:7 The borrower is servant to the lender


Store up for the future, otherwise, you might be known as a “moocher”

Proverbs 21:20 A foolish man devours all he has.


No one wants a “moocher” as a friend, they tend to overspend

Psalms 37:21 The wicked borrow and do not repay

They also tend to not pay back, this is definitely a drawback, when you overspend, you could go broke, and that is no joke

Matthew 6:24 You cannot serve both God and money


No one can serve two masters, when you try to do so,  it can cause a disaster

Luke 16:13 “No servant can serve two masters.  Either he will hate the one and love the other, or he will be devoted to the one and despise the other.  You cannot serve both God and Money.”


Use your money wisely, don’t hold onto it too tightly

Luke 12:33,34  Sell your possessions and give to the poor  For where your treasure is, there your heart will be also.


You can’t take it to eternity, that is a certainty

Revelation 18:14 All your riches and splendors have vanished, never to be recovered.


So ask God what He wants, and open your heart to his response.

Psalms 37:21 The righteous give generously.

Written by ~ Mike Hayden



Here are some helpful links:



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.


 When You Plan A Budget You Plan To Succeed!

Plan a budget today...
Plan a budget with wisdom found from the Bible!

Do Not Plan A Budget, And Your Thinking Patterns Look Like:

  1. See it
  2. Want it
  3. Desire it
  4. Need it
  5. Buy it
  6. I am not satisfied



Is There Security In Money?

Daily Biblical Application

Jesus says we can only have one master.  We live in a materialistic society where many people serve money.  They spend all their lives storing and collecting it, only to die and leave it behind.  Can you honestly say that God, and not money, is your master? 

One test is to ask which one occupies more of your thoughts, time and efforts.  The choice is up to you.

Matthew 6:24 “No one can serve two masters.  Either he will hate the one and love the other, or he will be devoted to the one and despise the other.  You cannot serve both God and Money.”

In imagining that their wealth is their strongest defense, rich people are sadly mistaken.  Money cannot provide safety because there are too many ways for it to lose its power.  The government may cease to back it; thieves may steal it; inflation may rob it of all value.  But God never loses his power.  He is always dependable.

Proverbs 18:11 The wealth of the rich is their fortified city; they imagine it an unscalable wall.

~ Mike Hayden



Plan A Budget But Money Will Not Bring You Joy!


Are You Prepared To Manage The Lord’s Money 

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; Example: 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.


Plan to Solve The Issue By Finding The Problem!


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.



Related Pages of Encouragement:

A Special Link for a Little Extra Encouragement



Plan A Budget And Keep It Simple As Possible!

  1. Give to charities, church, others in need 10%
  2. Save in the bank or mutual fund 10%
  3. Live on each month 10%

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. Budget Builder
  2. Budget Calculator Starter
  3. Calculator
  4. 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.

Track Your Monthly Spending (Down To The Penny)


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


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)



Strategy To Pay Down Your Debt:

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



What If My Problems Seem Out Of Control?










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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.