Blaine and Christine Bowman
Saturday April 5, 2014 at 6:00 PM
Everyone is invited for a free,
wonderful evening of worship.
Prov 27:23-24 Be thou diligent to know the state
of thy flocks, and look well to thy herds, for riches
are not forever,....
Each family needs to keep up with personal business
Keeping good records of how much you spend on
Know how much you have.
Know how much you owe.
March 2, 2014
Predict when things are going to wear out or need
repairs. Plan for it. Save for it.
Nothing lasts forever and nothing stays the same.
Be prepared for a job layoff
or reduced income;
Be prepared should
business slow down.
Paying attention to these sorts of things can
save you a lot of fires to have to put out.
Two types of management:
Crisis management - where the problem is
here and we have to fix it.
Management thru planning where you know the
problem is coming, and you plan and prepare for it.
You have to set your lifestyle so that
there is something left over.
You may already be in a financial crisis.
You can try to get more income.
Tighten up on spending.
But you probably won’t be able
to save long term for a while.
Save for short term needs.
Pay as many bills as you can as soon as you get the
money; Don’t waste a dollar.
Monthly check or weekly check; stretch it.
If you’re not in a crisis right now, get ready.
Work hard, Plan and save, Don’t waste.
Live on less than you make.
Don’t live from payday to payday -- set aside
some money for future needs.
Budgeting: A budget is the best way to
handle your finances well.
A budget is not a miracle; you can’t budget
whatever you want. Be sensible and wise.
Net Spendable Income (NSI): What you have
left after taxes and tithes.
Your budget must not total more than 100% of
A budget must include
You must include everything you will spend
money on, in your budget.
And the more detailed you make it,
the better it will work.
The whole family needs to know how much is
budgeted, so they aren’t asking for things that
aren’t in the budget.
Housing = House payment or rent, home
taxes, lights, heat, water, maintenance
Of NSI After taxes and tithes
After you have taken care of all the necessities,
Set aside a small amount for recreation.
If there is no money left for pleasure,
be patient; life will improve as we obey God.
Recreation doesn’t have to be expensive.
Facts to face!
Just because you write it down
doesn’t mean you can afford it.
We face a truly long term future: eternity!
Is your heart
In the Name