Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty. Proverbs 21:5 NLT

Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much. Luke 16:10 NIV

"BUDGET is simply a Planned Spending..." Is Telling Your Money Where To go, Instead of Wondering Where it Went. John Maxwell.

"BUDGET is a method by which you make your money behave..."

"A BUDGET is an Itemized List of Expected Income and Expenses That Helps You Plan For How Your Money Will be Spent or Saved..."

" You can't make good financial decisions, experience financial peace, and win with money, until you do a budget".

If You Work For a Company Called YOU INC., and Your job was to Manage Money for YOU INC., and you Manage Money for YOU INC. the same way you manage money for you now, would you fire you? Dave Ramsey

One of the keys to successful budgeting is to understand why you are budgeting and to give your budgeting a real purpose,

GOALS..., Is important to set goals and decide why you want to budget, Knowing why you are making that sacrifice in spending makes it easier to succeed,

Suppose one of you wants to build a tower. Won t you first sit down and estimate the cost to see if you have enough money to complete it? For if you lay the foundation and are not able to finish it, everyone who sees it will ridicule you, Luke 14:28-29 NIV

looking to Jesus, the founder and perfecter of our faith, who for the joy that was set before him endured the cross, despising the shame, and is seated at the right hand of the throne of God. Hebrews 12:2 ESV

(A) Budge helps you to reach your goals... (B) Budget puts you in control of your money and makes your money behave. (C) Budget helps you to stop over spending, waste and regrets,

(D) Budget helps you to save and build wealth, (E) Budget helps to stop money fights and build up marriages.. (F) Budget helps you to get out of debt and plan for financial future,

A man without self-control is as defenseless as a city with broken-down walls. Proverbs 25:28 LB

(A) We see it as restrictive, controlling, (B) We don't have enough money,

Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much. Luke 16:10 NIV

Lazy people want much but get little, but those who work hard will prosper. Proverbs 13:4 NLT

A nap here, a nap there, a day off here, a day off there, sit back, take it easy do you know what comes next? Just this: You can look forward to a dirt-poor life, poverty your permanent houseguest! Proverbs 6:10-11 MSG

(E) Discouragement from past failures,

Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty. Proverbs 21:5 NLT

Do your planning and prepare your fields before building your house. Proverbs 24:27 NLT

Seest thou a man diligent in his business? He shall stand before kings; he shall not stand before men of low estate. Proverbs 22:29 KJV

(A) You leave out some things in your budget (B) You are not sticking to it, (C) You have not giving it enough time, (D) Your expenses are higher than your income, (E) You don't actually do it,

A Zero based Plan using Envelopes system : With a Zero based Budget, your goal is to spend your income all the way down to zero before you ever even get paid. Where every money has a Name or duty... Remember The Four Walls: Food, Shelter, Clothes, Transportation,

Budgeting Sample Check some Budgeting apps for help e.g.: daveramsey.com

IRREGULAR INCOME BUDGETING... Start with your Priorities, especially the Four Walls : Shelter, Food, Transportation, Clothing,

"Could you imagine what it will be like to be debt free, to be in Financial freedom, to have needs and your children's need meet, even at your old age?"

IF YOU WILL LIVE LIKE NO ONE ELSE, LATER YOU CAN LIVE LIKE NO ONE ELSE Dave Ramsey

If you are willing and obedient, you will eat the good things of the land; Isaiah 1:19 NIV