Money, Money, Money

Necessary evil isn't it? God knew that we would have struggles with money. Did you know it's mentioned in the Bible more than ANYTHING? We must have it to survive in today's world, but it can totally ruin you if not managed properly. Well, that's what we're trying to do... manage the stuff!! Our church sponsored a great financial seminar a few weeks ago with Joe Sangl. Here is a guy that is FIRED UP about money and helping people manage it and get out of debt. Check out his website for great tools and I also recommend his book, it's easy and not "over your head!" One of the things that he stressed strongly is a monthly budget. Is your skin crawling yet? Mine was at first, but after I realized the importance of it, I have overcome the dread! With our loft almost to completion, we'll really have to buckle down and be good citizens with our money. Some of his ideas include....
Give - 10% (That's a no brainer!)
Save - 10% (ooow... that's hard!) We know Christmas comes at the same time every year.. save for it... don't put it on the card!
Cash Envelopes - Put your budgeted amount of cash for things like eating out and groceries in an envelope, when it's gone....that's it. (Yes, apparently places still accept cash!)
Work together - Work on this together with your spouse.. make it fun!!

We've done our budget and ick... not pretty! For those you you that normally receive gifts (birthday, Christmas etc.) from us.. get ready for some pipe cleaner, felt cut-out, homemade creations from the kids! No.. it's just going to be an adjustment from spending carelessly and without much thought and planning. And maybe if all our money is not spent on GAS, you might have a Birthday present after all!!