Hope for your financial life and beyond

How to Prioritize What’s Important When You Make a Budget

I remember the first time my wife and I really tried to make a budget. So many expenses were coming to our mind it was difficult to prioritize which ones were most important. We messed up many things in that first month’s budget and felt really frustrated at our effort.

It didn’t deter us however from trying again…and again…and again. Interestingly enough, we found that after several months of trial and error, certain expenses always drifted to the surface first. It was apparent that we were drawn to some spending categories more readily than others because they represented fundamental needs for our family each month.

So what expenses go first when you make a budget? Then how do you determine what comes next? Today I’m going to outline our five-step thought process as we make a budget each month. Hopefully it will give you some direction as you try to figure out how your hard earned dollars will be allocated.

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The Best Definition of Teamwork You’ll Ever Read

definition of teamwork

Like all other sports enthusiasts, I am starved for athletic competition right now. In recent months, the spread of COVID-19 has disrupted sports around the world. I've always enjoyed playing and watching sports, mostly because it consistently … [Continue reading]

Tips for Finding a Wealth Management Firm

If you have been investing for a long time, you may be ready to turn over the responsibility of supervising your portfolio to someone else. For individuals who have amassed a good deal of money, a wealth management firm may be the way to go. Having … [Continue reading]

Here Are the Top 9 Bible Verses for Teens to Know

It’s challenging being a teen in today’s world. Teens today face so many personal struggles and difficult life situations that they often feel a sense of hopelessness and confusion. Not to mention the daily bombardment of temptations that lure them … [Continue reading]

How to Enjoy a Life of Guilt Free Spending

guilt free

I would love to enjoy a guilt free life, especially when it comes to spending money. Have you ever heard the same voice rattling around in your head that I’ve heard in mine? It usually says something like, “Why did you spend that money? That was … [Continue reading]

6 Shocking Things Your Broke Friends Need to Hear You Say

broke friends

If you’ve ever gotten into conversations with broke friends about money, you know how hard it is to determine if they actually want your help. There are several ways to figure that out and perhaps lead your discussion to a deeper level. If that … [Continue reading]

How to Be a Successful Landlord: 5 Best Practices

I love owning rental real estate! When I purchased my first property eleven years ago, I mistakenly payed a bit too much for it. Initially, didn't know how to be a successful landlord and I let my excitement cloud my judgment when buying that first … [Continue reading]

Why Godliness With Contentment Is Great Gain (I Timothy 6:6)

“For godliness with contentment is great gain.” - I Timothy 6:6 Contentment is a virtue that challenges our do-more, get-more, be-more society. This is especially true as it relates to money and possessions. By and large, we are constantly … [Continue reading]

Teaching Kids About Money to Get the Best Results

teaching kids about money

A major role of parenting (and one that is often neglected) should be teaching kids about money. For many reasons, parents drop the ball in this area and raise children who carry an improper understanding of money into college and adulthood. … [Continue reading]

Life Insurance: The Most Important Things You Need to Know

girl in cemetary

The topic of life insurance is one that many do not like to discuss. The reason is simple - it involves death, most notably our own. And since death routinely shows up on lists of common fears, its obviously something we choose not to think … [Continue reading]

A Soldier’s Pledge – on Freedom, Courage and Sacrifice

a soldiers pledge

"America is depressing...mixed up...adrift...an afterthought." Have you sensed these messages creeping into American culture and thought in the past few years? Our soldier's pledge to keep our nation great remains strong, but a lack of pride in who … [Continue reading]