Budget, Save, Spend

People talk openly about their plans for a holiday, the new shoes they purchased, the football match they attended or the wedding they went to, but we are not so good when it comes to talking about money. Money, money, money… what is all the fuss about? Well, without it we wouldn’t be able to attend that wedding, purchase those shoes or go on that holiday.

So what do we do when the money runs out? Borrow and then spend some more? We could do, but Jesus said, “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?(Luke 14:28) Unfortunately it is too easy to access instant cash. If we run out of money we can finish building that tower with someone else’s credit. Happy days! Not quite, the bible says that “the borrower is a servant of the lender” (Prov 22:7). We borrow from Peter to try and pay Paul back and before too long the debts have mounted up.

God gives us so much wisdom for our life in the bible. What Jesus was talking about was setting a budget, which simply means estimating how much we will spend over a set period based on our income and sticking to it. A good budget can make our money go further, keep us out of debt and enable us to have more left over to be a blessing to someone else.

Start saving now for next year’s car insurance and avoid that hefty interest charge they add to your bill. Over pay on your mortgage even only £50/month and save £1,000s off your interest bill and mortgage term.

What about staying in an extra night and saving that money towards those new clothes you wanted? Maybe that leak under your sink just needs a bolt tightening rather than a £60 plumber call out fee? Try youtube, there is a DIY video for every need! What about a less extravagant holiday and maybe you could put some more money towards that deposit for your own home so you aren’t paying for someone else’s.

Remember, Budget, Save, Spend, the possibilites are endless.

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