What simple, practical steps can I start tody to get my finances in order?
Here are five practical steps. But there is a precondition: You need to accept God’s ownership and your stewardship of 100% of funds you get. After, learn about your attitude to money, and then become accountable to a trusted brother or sister. Step one is to start recording your spending. Get a notebook or use a spreadsheet and record every cent you spend using cash, debit or credit cards (show, date, name of store, amount, reason you spent). Yes, I mean every cent. Do this for at least three months. What you see will shock you. I know folks who found $400 waste in the first month. Your spending record will show why you spend, when you spend, and for what you spend. Today, if you are like most folks I counsel, you don’t know this information, but you think you do. You will learn about leakages – where funds go “unnoticed.” And you will find out about your spending pattern. Do you spend more on Fridays? Or on Mondays? Evenly during the week? Do you spend to lift your spirits? Second, s
