Worry Free Finances
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more than you bring in each month, you’re going to be in trouble if you don’t make some adjustments. If you don’t have a detailed list of your expenses, you are flying blind. Typically, housing and automobiles are the two biggest areas where people tend to overspend and get into trouble. Take another look at your budget and identify if there are any areas you need to adjust. Evaluate and Adjust Make it a priority to set aside time each month to work on your budget (with your spouse if you’re married). Start by reviewing the previous month. Then look to the coming month so you can account for any upcoming expenses or make changes in areas that need adjustment. If your bottom line is in the negative, redo your budget until you have a plan that works. Remember Proverbs 21:5: “Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty” (NLT). Planning and preparation are parts of being a good manager. They won’t necessarily change our financial picture immediately, but they will help us assess where we are now, get a vision for the future, and establish some action steps to achieve it.
