Keys to Wise Spending

God expects us to have faith, but also to use common sense and wise planning in allocating the resources He has given us. The best way to manage your money and stay out of debt is to have a strategy in place before the expenses or temptations arise.

BEGIN WITH A BUDGET. A budget is a road map that guides you and tells you when you are on course. Budgeting won't ensure prosperity, but it will keep you from overspending your resources and will help you avoid the debt trap.

DECIDE TO FOLLOW THE BUDGET. Most people understand the need for a good budget, but few follow through. Only 25% of American families operate on a budget. Fifty percent say they want to budget but never get around to it. Make your plan and stick to it.

PRIORITIZE YOUR EXPENDITURES. Make a list of what is most important to you. Start with the necessities (housing, food, car, utilities, insurance and taxes). Then list what you "should have" (clothing, furniture, etc.). Finally, list the things you'd like to have.

PAY THE LORD FIRST. If you get this first priority right, each step thereafter is easier. God makes it clear He is to receive the first fruits of your income, not the leftovers. The key to honoring God with your finances is remembering that your money is not your money. God owns it all and gives it to us as He pleases.

PAY BILLS ON TIME. Establish a budget that allows you to pay all your bills in full and on time each month. If you can't pay them all, pay something on all of them and communicate your intentions of paying everything to those you owe. If you can't pay your regular bills, it's time to move to a smaller house, drive an older model car, or make drastic cuts until your outgo matches your income.

GET OUT OF DEBT AS SOON AS POSSIBLE. Debt carries with it heavy responsibilities. Don't allow yourself to become a slave to creditors. Don't take on debt unless you have a clear plan for repaying it. Certainly stay away from debt if it is a habit out of control.

PLAN FOR EMERGENCIES. Small emergencies can eat at your budget every month unless you begin to set aside funds as part of your budget. For example, the dog gets sick, your car radiator dies, time for back-to-school clothes, etc.

HAVE SOME FUN. Use your resources for personal enjoyment. After you have managed your money wisely and given generously, there comes a time for you to enjoy the fruits of your labors.

IF YOU HAVE A FAMILY, INVOLVE THEM. When you create a list of priorities, it's important to involve your whole family so everyone understands the priorities and is focused on the goals.

IF YOU HAVE A SPOUSE, ASSIGN THE JOB OF PAYING THE BILLS. This isn't about control, since both should fully understand the financial situation and goals, but about the most capable person taking on the job.

上帝希望我們每個(gè)人都有信心，不過(guò)他希望我們每個(gè)人都能用上常識(shí)與精明計(jì)劃來(lái)分配他給予我們的資源。管理財(cái)富不欠債的最好方法就是在開(kāi)支發(fā)生或誘惑出現(xiàn)時(shí)，能有一個(gè)適當(dāng)?shù)牟呗浴?/p>

首先要有預(yù)算

預(yù)算就象一張給你指引的路線(xiàn)圖，它能告訴你什么時(shí)候你在規(guī)定過(guò)程中。預(yù)算不能保證你富裕，但能防止你過(guò)份消費(fèi)自己的資源，幫助你避免掉進(jìn)債務(wù)的陷阱。

決定要服從預(yù)算

許多人都理解需要有個(gè)好預(yù)算，但卻很少有人真正堅(jiān)持到底。只在25%的美中家庭按照預(yù)算運(yùn)轉(zhuǎn)。50%的人說(shuō)到他們想按預(yù)算安排開(kāi)支，卻從來(lái)做不到。所以，制定自己的計(jì)劃還要堅(jiān)持！

改善優(yōu)先順序排列

將對(duì)自己最重要的事項(xiàng)列個(gè)清單。從生活必需品開(kāi)始（房子，食品，車(chē)，水電費(fèi)，保險(xiǎn)和稅金），然后列“應(yīng)該購(gòu)買(mǎi)”的東西（衣服，家具，等等）。最后，列出自己想要的東西。

PAY THE LORD FIRST

如果你排序正確了，后面的每一步操作起來(lái)就容易了！上帝很明確告訴我們了，他要收回你收入的第一藍(lán)果子的，而不是剩下的。用自己的財(cái)務(wù)來(lái)取悅上帝的關(guān)鍵就在于要記住，你的錢(qián)并不是你的錢(qián)！上帝全部擁有它，看上帝高興給我們多少。

及時(shí)支付帳單

建立一個(gè)預(yù)算，使自己能每個(gè)月按時(shí)全額支付帳單。如果你不能全部支付，那就把有些帳單全額付清，然后聯(lián)系對(duì)方，表達(dá)自己愿意對(duì)自己欠付的帳務(wù)支付所有可能的錢(qián)。如果你連定期帳單都付不起了，那是時(shí)候要搬到一所小房子住了，或者考慮開(kāi)老款車(chē)，或者考慮大幅削減開(kāi)支，下去自己支出與收入吻合。

盡快還清欠款

欠債是很重的責(zé)任。不要讓自己成為債務(wù)的奴隸。除非自己有清晰的還款計(jì)劃，否則不要欠債。如果欠債成了一種不可控制的習(xí)慣，那就一定要戒除了。

要有應(yīng)急計(jì)劃

每個(gè)月一些小的應(yīng)急事件也可以消耗掉你的預(yù)算，除非你另外設(shè)立了應(yīng)急基金作為預(yù)算的一部分。例如，狗生病了，車(chē)子的雷達(dá)不行了，回學(xué)校聚會(huì)要買(mǎi)衣服了，等等。

一定的娛樂(lè)休閑

還要將資源用于個(gè)人休閑娛樂(lè)。在對(duì)自己的錢(qián)財(cái)精明管理和大方支出后，你享受自己勞動(dòng)成果的時(shí)候就來(lái)了！

有家者讓全家都參與

在列優(yōu)先順序清單時(shí)，有一點(diǎn)很重要，那就是讓你全家都參與進(jìn)來(lái)，這樣每個(gè)人都能理解優(yōu)先順序，可以集中在這些目標(biāo)上。

如果有配偶，讓對(duì)方來(lái)付帳單

這并不是講控制，因?yàn)殡p方都應(yīng)該徹底理解財(cái)務(wù)狀況和財(cái)務(wù)目標(biāo)，這講的是讓最有能力的人來(lái)?yè)?dān)當(dāng)此任。

上帝希望我們忠誠(chéng)，也希望我們?cè)诎才潘�賜予我們的東西時(shí)要?jiǎng)幽X筋，做出明智的安排。管理好自己的錢(qián)，不欠債，最好的辦法是在花錢(qián)或想花錢(qián)之前先合理安排。

1.先做預(yù)算。預(yù)算就像地圖，它能指導(dǎo)你怎樣消費(fèi)。預(yù)算并不能保證你有錢(qián)，但能讓你避免過(guò)度消費(fèi)，陷入債務(wù)。

2.按照預(yù)算去做。大部分人都知道做預(yù)算，但很少有人會(huì)按預(yù)算去做。只有25%的美國(guó)家庭按預(yù)算去做。50%的家庭想按預(yù)算去做，但卻做不到。做好計(jì)劃，嚴(yán)格執(zhí)行。

3.優(yōu)先安排日�；ㄙM(fèi)。把對(duì)自己來(lái)說(shuō)最重要的東西寫(xiě)下來(lái)。先寫(xiě)必需的東西，如住房、食品、汽車(chē)、家庭用品、保險(xiǎn)、稅收等，再寫(xiě)應(yīng)該有的東西，如衣服、家具等，最后寫(xiě)想擁有的東西。

4.先要感謝上帝。先安排好必需的東西后，接下來(lái)的事就容易多了。上帝說(shuō)得很清楚，他需要的是最初的收獲，而不是殘羹冷炙。感謝上帝的關(guān)鍵是要記住，你的錢(qián)并不是你的，而是上帝高興的時(shí)候賜予你的。

5.按時(shí)付清賬單。做一份能每月按時(shí)、足額付清賬單的預(yù)算。如果不能全部支付，先支付一部分，然后告訴對(duì)方你打算什么時(shí)候全部付清。如果你連日常的賬單都不能支付的話(huà)，就應(yīng)該搬到更小的房屋，開(kāi)舊車(chē)，或大幅削減開(kāi)支，直到收支相抵。

6.盡快擺脫債務(wù)。債務(wù)像沉重的大山。不要讓自己成為卡奴。除非你有明確的還債計(jì)劃，否則不要欠債。如果欠債已經(jīng)成為一種習(xí)慣，那么一定不要欠債。

7.為突發(fā)事件做準(zhǔn)備。除非你每個(gè)月額外留出部分資金，否則一些小的突發(fā)事件會(huì)減少你的預(yù)算。比如，狗生病了，汽車(chē)的散熱器壞了，需要買(mǎi)衣服了等等。

8.要快樂(lè)�；ㄥX(qián)要讓自己快樂(lè)。在明智消費(fèi)、慷慨付出之后，你就可以享受勞動(dòng)成果了。

9.全家總動(dòng)員。要讓全家人知道并且按照你的支出計(jì)劃去做，這一點(diǎn)很重要。

10.讓妻子支付賬單。因?yàn)榇蠹叶剂私馐杖霠顩r和消費(fèi)情況，所以這不是支配，而是人人參與。