Plan A Budget Today If You Don’t Have One Yet!

Plan a budget!Please contact us if you have questions or comments or want some encouragement.

You will discover that it is not that hard to plan a budget. The thing is just to get started! But once you get it going, then it just takes maintenance to keep it going! A budget tells us what we can’t afford, but we are the ones that need to follow it and make it up and work.  ~ Bill Greguska

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.




Develop And Plan A Budget To Get Organized!





If You 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



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!

If you plan a budget, you will be delighted you did! A designer can plan a budget, sit down, calculate your spending and compare it to what you earn. Setting aside 10% for savings and 30% for housing is a good start. I am sure you have asked yourself, why bother 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, planning a budget is much wiser and more straightforward than leaving things up to chance!

Plan a budget. Learn much you have and how much you can spend. Without a plan, you have no idea where your money You could consider different types of budgets, using envelopes for each category of spending, using a notebook, writing down a spending topic on each paging 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 in order cure-all from the smallest total payoff balance to the largest.

Don’t worry about the interest rate; two 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 possible 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. Doing this will show you how close y 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.




Plan A Budget, And Get A Grip On Your Money!





Here Are Some Helpful Links:


 When You Plan A Budget, You Plan To Succeed!

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




How To Do A Budget By Percentages!




How To Spell “Thanksgiving” Concerning Money?

Transfer ownership back to God Colossians 1:16-17, 1 Chronicles 29:11-12
Humbly adjust your lifestyle to live below your means Proverbs 21:20, Deuteronomy 25:13, 1 Peter 5:5-7
Avoid or eliminate growing indebtedness Proverbs 22:7, Deuteronomy 28:15, Deuteronomy 28:43-44, Ezekiel 28:17:18
Navigate away from financial temptations Psalm 119:36-37, Titus 2:12, Romans 13:14
Know your financial status and goals PProverbs27:23-24, Proverbs 21:5
Share with people in need Proverbs 22:9, James 1:27, 2 Corinthians 9:9
Give to God first as your highest financial priority 1 Kings 17:13-16 Deuteronomy 14:22-23, 2 Corinthians 8:7
Involve yourself in productive work, Proverbs. 10:4, Proverbs 13:4, Matthew 6:33, 2 Thessalonians 3:9-13
Never be dishonest Proverbs 13:11, Proverbs 20:17, Proverbs 10:2, Ephesians 4:28
Gain Biblical understanding of Psalm 119:11, 2 Chronicles 26:5, 2 Timothy 3:16-17


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 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 regarding cash, For Example: wanting more and sacrificing to do so.
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 for a free spreadsheet budget calculator to a budget calculator that will help you with your budgeting.

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 finances: Ensure you and your spouse are on the same page (the same personal financial statement and budget).
  • You both need to know: Where are you 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 Keep It Simple As Possible!

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



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



Find Hope And Encouragement From Our Links!

  1. If you just started believing in God, we have a page specifically for you.
  2. If you are dealing with anger, stress, or depression, we have information to help you.
  3. We have phone helplines, website links, and YouTube videos.
  4. You can learn more about us, our goals, and our purpose.
  5. If you have a drug/alcohol problem, or if you want to get right with God, you are at the right place!
  6. If you need to talk to someone right away, you can call 800-633-3446 or click here.
  7. Finally, if you have any questions or get on our email list, just let us know.


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