If you have an irregular income, write down your best estimate of what you will make, staying on the lower end if you’re really unsure. So write it down and make sure you KNOW it! This sounds simple and to the point, but many people don’t know their exact income. Now, on to the steps of how to make a budget! ***By the way, we host a budget challenge at the end of every month to jumpstart us into the next month! If you’d like to do this budgeting thing with some added accountability, sign up for the budget challenge here! Plus you’ll get a one-page printable budget worksheet to get started very easily!*** But you could also budget per paycheck to start.īegin with whatever budgeting plan makes most sense to you at this point (monthly or by paycheck). I prefer to budget monthly, and I would highly recommend you work toward budgeting monthly as well. Pray that you can be faithful to actually do those things He’s calling you to do with money! That you can manage it well!Īfter beginning with prayer, it’s time to write out your budget. Pray over what he would have you do with that income He’s entrusted you to manage. And it’s a big difference!Īs Christians, we must start with prayer!!įirst, praise God for His provision - your income. One way the Christian budgeting process looks different from the world’s is in where to start. Where to Start when Budgeting as a Christian How can this be avoided? A budget! We first must plan where every penny of our money is going, and then we must follow the plan. Plus we are not being good stewards if we’re not giving generously or saving responsibly! And then things get really tight and cause a lot of stress before the next paycheck comes. Yet, is this not what we do currently with our paychecks? It’s so easy to get paid, know that we have money in the bank, and get to spending. He states how foolish it would be to lay the foundation then not have the funds to complete the entire project! In Luke 14:28-30, Jesus discusses beginning a building project and planning for the expenses before beginning the project. Planning Ahead in order to be a Good Steward of our Finances Afterward, make a grocery list of only the items you need so when you shop, you avoid buying what you already have (cutting down on food waste too).***By the way, if you’re ready for a deeper dive into being a faithful steward of what God has given you, sign up for the 5 Day Email Challenge to begin building your financial house God’s way! It will seriously set you up to have your best financial year yet!*** How much food do we waste by not knowing what we already have before grocery shopping? Use a fun PetitePlanner Meal Planner to note the food you have in the fridge and on your shelves, and then plan your meals for the week. How much money do you spend on food and drinks when you go out? It adds up, doesn’t it? Keep that money in the bank and, instead, try game nights, potlucks, and get creative so you can enjoy good times and great savings! 6. Enjoy cozy at-home fun instead of going out. If you’d like to take it a step further and track your water intake and weight-loss and begin setting and reaching those health goals of yours, try a guided Wellness Planner.ĥ. More often than not, it will! This simple money-saving tip is also a great way to lose a little extra weight. Instead of automatically reaching for snacks and sodas, drink water first and see if your hunger or thirst goes away. Often when we think we’re hungry, we’re actually thirsty. Then, multiply your savings by 52 to get an idea of how much money you could save a year! 4. There is no shame in collecting coupons! If you’re not convinced it’s worth the effort, try it for just a week and tally how much you save. List all your subscriptions and cut out those you don’t need or use and those you can replace with free alternatives (like library apps for free audio downloads). Those paid subscriptions can add up -audiobooks, streaming services and app after app. List and eliminate unnecessary subscription services. Not only will you surprise yourself by how much money you save, but every time you look at that jar, you’ll be encouraged to keep it up! 2. Go on a fast-food fast.Ī day, a week, a month … however much time you think you can fast from fast food, try it! And every time you opt to cook at home and resist those fast food cravings, pop the money you saved into a jar. Start Saving Money Now with These 6 Quick Budgeting Tips 1.
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