Memory verse 1: Everything in the heavens and earth is yours, O Lord, and this is your kingdom. We adore you as being in control of everything.  1 Chronicles 29:11

Memory verse 2: “Just as the rich rule the poor, so the borrower is servant to the lender” Proverbs 22:7

Memory verse 3: “the way of the fool is right in his own eyes, but a wise man is he who listens to counsel” Proverbs 12:15

Memory verse 4: “you shall not steal, nor deal falsely, nor lie to one another” Leviticus 19:11

Memory verse 5: “whatever you do, do your work heartily, as for the Lord rather than for men” Colossians 3:23

Memory verse 6: “for where your treasure is, there will your heart be also”   Matthew 6:21

Memory verse 7: ““steady plodding brings prosperity, hasty speculation brings poverty”  Proverbs 21:5

Memory verse 8: “train up a child in the way he should go, even when he is old he will not depart from it” Proverbs 22:6

 

Thanks for taking part in our study of biblical finance. This is the official last day. Today i want to show you a video of a sample budget. Budgets should be looked at every month, especially in the beginning as you get used to using one and as you may need to tweak things as you go along. Preview the video, and we will discuss further.

 

 

This budget was written in a very simple form, and this was written with the assumption that we don’t have our first step completed yet, $1000 in a savings account. We should review and redo our budget every month for best results, to ensure we are accurate and the numbers are realistic.

Once our $1000 has been reached, the budget needs to change to focus any money you were putting in the savings account to now be redirected to the smallest debt. So $0 to the savings, and at least the $225 added to the minimum payment of the smallest debt. Watch your debts begin to melt away. But be warned, this is hard work. You will be tempted to spend that money elsewhere. If you are serious about eliminating your debt, you need to stay focused. Short term pain for long term gain.

 

Let me share another couple ideas or tools that may help in your budgeting.

1. open several bank accounts to help save for specific budget items.

If you are always dipping into the money being saved up for taxes or insurance, things that don’t get paid more than annually, it is a wise idea to open a separate account for each budget item like these, and have the money automatically distributed and deposited into these accounts when you get paid. For example, you may want to open a house insurance account, a property tax account, car insurance account, tithing account and even your savings account could be done this way. Have these accounts so that you cannot access them by debit card. Banks are more than happy to do this for you, and it’s a great way to manage your money if you cannot resist spending it if it’s in your account.

 

2. Use the envelope or jar system

One thing that needs to be mentioned about handling finances is that no matter what, it will require a lot of will power. We often use the jar system in our own budget when we feel we’ve been a bit too free with our spending or credit card use. The jar system is simple having a jar for each line of your budget. Write a label on the jar or envelope how much for each catagory goes into the jar when you get paid, and when the money runs out, that budget line is finished until the next pay cheque. As an example, if you put $300 in the jar marked “groceries”, you cannot spend anymore on groceries once the $300 is used up. And don’t steal from other jars. 🙂

             

 

budgeting forms

Attached is some standard budgeting forms if you wish to use them.

We could talk about tons of scenerios about budgeting. Every household is unique, and income sources vary. But the bottom line is we need to get our finances under control and in a way that is honoring to God. Thank you for spending these weeks with me, may the Lord give you incredible wisdom, patience and self control as you take on this challenge. Have a great day everyone!

Memory verse 1: Everything in the heavens and earth is yours, O Lord, and this is your kingdom. We adore you as being in control of everything.  1 Chronicles 29:11

Memory verse 2: “Just as the rich rule the poor, so the borrower is servant to the lender” Proverbs 22:7

Memory verse 3: “the way of the fool is right in his own eyes, but a wise man is he who listens to counsel” Proverbs 12:15

Memory verse 4: “you shall not steal, nor deal falsely, nor lie to one another” Leviticus 19:11

Memory verse 5: “whatever you do, do your work heartily, as for the Lord rather than for men” Colossians 3:23

Memory verse 6: “for where your treasure is, there will your heart be also”   Matthew 6:21

Memory verse 7: ““steady plodding brings prosperity, hasty speculation brings poverty”  Proverbs 21:5

Memory verse 8: “train up a child in the way he should go, even when he is old he will not depart from it” Proverbs 22:6

Good morning! Today we will look at some practical ways to teach your children. There are not really alot of verses to accompany the topics as they really all fall into our memory verse and all the things we have previously talked about throughout this course.

TEACHING YOUR CHILDREN HOW TO MANAGE MONEY

1. Budgeting

In my opinion, as soon as possible, a child should begin to receive an “income” to manage. The younger the better, maybe even around the kindergarten age. It doesn’t have to be much, maybe even just a dollar or two. What we need to do as parents is teach them to budget it, establish some boundaries and offer advice on how to spend money, but give them the freedom of choice. Like we said yesterday, they need to make mistakes and learn from them. For example, if you give them 2 dollars for the week/month and they choose to go spend it immediately, then guess what, they are now broke until the next time.

2. Teach them to give

It is critical that we teach them to give right away. Develop a generous heart to others and give to God what is His. Some ways to do this could include praying with them about where they could help others and helping them figure out the tithe so they can put it in the offering bag at church.

3. Teach them to save

Teach them to save immediately when they start receiving their income. And when they are old enough to understand, teach them the benefits of compound interest.

What we did with our kids, which worked pretty good, was we set up a 3 jar system with them. We literally took 3 clear jars, labeled one “tithe”, labeled one “save”, and labeled the last one “spending”.  Our rule was first put 10% into the tithe jar, put 50% of the total into the save jar, and the rest (40%) was for spending. We also opened a savings account right away at the bank to get them used to depositing the “save” money and interacting with the people there.

4. Debt

We need to teach them how difficult it is to get out of debt. For example, if they really really want a certain item, but they don’t have enough for it, offer to pay for it but on a repayment program. And don’t be afraid to use a bit of a tough repayment plan. When they see that a majority of their next several “pay cheques” are going back to you, and they have little for themselves left, that won’t be a lot of fun for them. And parents, stick to your plan.

5. Teach them to work

The best way for a child to become faithful in work is to establish the habit of daily household chores. I wouldn’t encourage paying your kids to do chores, as this should be part of their responsibility of being in the family. However, if you are giving any kind of allowance to them, they sure shouldn’t receive it unless their responsibilities have been completed.

6.   The goal is independance

By high school, each child should ideally be managing their own finances, with the exception of having to pay food and shelter as you still handle that. However, make sure they know the realities of what a mortgage costs, what a hydro bill looks like, what do groceries cost, etc…

 

Well everyone, this is the end of the teaching portion of the Biblical Stewardship course. I hope you enjoyed this study as much as I did.  Monday, I will post a basic budget video and possibly a couple others with some real practical ideas. Have a great weekend!

 

Lord I thank you for each and every person following this blog. May you bless them as they put into practice the things you have said about money. Give each wisdom and the courage to do the hard things. Thank you for pointing us to financial freedom. Develop in each of us a generous heart towards others and bad taste for debt. Thank you in Jesus name, amen.

Last new memory verse added!

Memory verse 1: Everything in the heavens and earth is yours, O Lord, and this is your kingdom. We adore you as being in control of everything.  1 Chronicles 29:11

Memory verse 2: “Just as the rich rule the poor, so the borrower is servant to the lender” Proverbs 22:7

Memory verse 3: “the way of the fool is right in his own eyes, but a wise man is he who listens to counsel” Proverbs 12:15

Memory verse 4: “you shall not steal, nor deal falsely, nor lie to one another” Leviticus 19:11

Memory verse 5: “whatever you do, do your work heartily, as for the Lord rather than for men” Colossians 3:23

Memory verse 6: “for where your treasure is, there will your heart be also”   Matthew 6:21

Memory verse 7: ““steady plodding brings prosperity, hasty speculation brings poverty”  Proverbs 21:5

Memory verse 8: “train up a child in the way he should go, even when he is old he will not depart from it” Proverbs 22:6

Well, I’ve been having issues getting my budget video uploaded here, so I will have to postpone it for today. So for now, we will look at our last subject, teaching your kids. After this series, I will give a few practical ways to help train your kids to handle money, some stuff that worked for us.

Learning to handle money correctly needs to be part of their education, starting from very young. And i don’t mean getting educated from school. This is part of your responsibility as a parent. If we leave it to the world, they will get taught as the world teaches. Not very likely you will get taught about tithing in the school system. This takes tremendous effort and intentional teaching. There are many great teaching tools to help with this out there.

Parent’s Responsibility

1. Verbal communication

“and these words, which i am commanding you today, shall be on your heart; and you shall teach them diligently to your sons and shall talk of them when you sit in your house and when you walk by the way and when you lie down and when you rise up” Deuteronomy 6:6-7

We need to be talking to our kids a lot about handling money. Talk to them about God’s principles. Talk to them why you are making certain financial decisions. Tell them why you are waiting for a sale before purchasing. Tell them why you chose not to buy something today because it was over budget. Communication is key, kids are like a sponge. They will soak in whatever you’re telling them, but it must start early and often.

2. Model Financial Faithfulness

“be imitators of me, just as I also am of Christ” 1 Corinthians 11:1

This goes hand in hand with communicating. Show them what your are talking about. Let them see that tithing cheque. Tell them how much you have today to spend on groceries, show them the coupons that you are going to use. Let them see you give to the needy. show them how you save money. Take them shopping and teach them how to be thrifty. Every opportunity is a teaching opportunity.

 

3. Create Learning Opportunities

This is intentional teaching. I know a mom who gives each of the kids $100 to spend on clothes just before school starts. This started from pretty young, kids were probably 7 or 8. They are to find the best bang for their buck. I always was surprised how well they actually did, but it comes from it being taught and shown first. But here is the other thing, there were times when a kid would go buy one very expensive item and blow the whole budget on one piece. So much for a new wardrobe. But this mom let it happen because we need to let our kids fail at times also. These often provide the best teaching moments of all. Let them deal with the consequences of a bad decision, and it very likely produce a different result the next time.

“everyone, after he has been fully trained, will be like his teacher” Luke 6:40

We have really noticed this to be true in our daughters. They both shop exactly like their mom does. Thrifty and practical. But it was a lot of trial and error. We made lots of mistakes along the way, and we have communicated many of them to our kids and what we would have done differently. They didn’t necessarily always heed the advice immediately, but generally, eventually,  they would see that maybe we were right after all.

 

Tomorrow; Practical ways to teach children how to manage money

 

Lord, we thank you that you are the perfect teacher, and we pray that we can be imitators of you. Give us wisdom in raising our kids and grandkids. Help us to be the faithful examples of what it means to follow you. Thank you, in your name Jesus, amen.

Memory verse 1: Everything in the heavens and earth is yours, O Lord, and this is your kingdom. We adore you as being in control of everything.  1 Chronicles 29:11

Memory verse 2: “Just as the rich rule the poor, so the borrower is servant to the lender” Proverbs 22:7

Memory verse 3: “the way of the fool is right in his own eyes, but a wise man is he who listens to counsel” Proverbs 12:15

Memory verse 4: “you shall not steal, nor deal falsely, nor lie to one another” Leviticus 19:11

Memory verse 5: “whatever you do, do your work heartily, as for the Lord rather than for men” Colossians 3:23

Memory verse 6: “for where your treasure is, there will your heart be also”   Matthew 6:21

Memory verse 7: ““steady plodding brings prosperity, hasty speculation brings poverty”  Proverbs 21:5

Good morning! This is our last day on saving and investing. If i could sum it up so far, we need to start early and allow time and compounding work for us. And we need to be cautious in any investment, remembering there is always an element of risk. These things should all be done only if we are also consistently giving. Remember this is God’s money we are handling. So with that in mind, let’s look at today’s topic, a short one today.

Acceptable Goals for Investing

1. To provide for your family

“if any one does not provide for his own, and especially for those of his household, he has denied the faith and is worse than an unbeliever” 1 Timothy 5:8

Now you could argue this verse just means we need to be working to provide for our family. However, I think of the many farmers around our area as an example. As their family grows, many are improving and growing the size of their farms to accomodate the extra members so that they will all be able to provide themselves a living. This is investing for future and for your household. Saving money for future needs is another way to provide for your household. If you are the sole breadwinner of the family, and you get injured or fall ill, what would you do if there was nothing to fall back on? We need to consider the future always when budgeting our income.

2. to diminish dependence upon salary

3. to accumulate capital to operate your business without debt

4. to teach your children to do the same

And this will be the next topic in our study “teaching your children”

Tomorrow – we will write a budget using all the different information and forms you’ve filled out over the past several weeks

 

Lord, thank you for you wise counsel. Thank you for the day you’ve given us, may we use our time to be a light to those around us. In Jesus name, amen

 

 

Good morning. As promised, a quick deviation from memory verses and the usual format. Today, i want to continue with the 7 steps to financial freedom, focusing on step 2. First, let’s review the seven steps.

 

1. save $1000 for emergencies  (while paying minimum payments on debts)
2.  pay off debt (using the debt snowball system)
3. save 3-6 months of expenses for emergencies
4. save 15% for retirement
5. save for kids college
6. pay off mortgage early
7. build wealth and give generously

So today i want to explain the debt snowball and show you why it is such a powerful tool and so effective. Grab that debt list you made a while ago. List them from smallest to biggest. If two debts are similar, list the one with the highest interest first.

Disclaimer: getting out of debt requires hard work and dedication. It will require sacrifice. It isn’t easy. But the rewards of getting out of that slavery are worth it!

Watch this youtube video below to get the basics on how this works

 

 

So as I said, this would require dedication and will power. And these numbers are important to know before writing a budget. But i think you can see how this can be very effective if done correctly, the snowball effect is powerful, and watching debts get eliminated one by one is very encouraging. I would encourage you to research more on the debt snowball system. It really works! We will use this tool in a couple days when we write the first budget.

 

Thank you Lord for you guidance and wisdom. Lord help us all to be set free from the slavery of debt. Thank you for giving people incredible wisdom to teach us all how to be set free. Amen

Memory verse 1: Everything in the heavens and earth is yours, O Lord, and this is your kingdom. We adore you as being in control of everything.  1 Chronicles 29:11

Memory verse 2: “Just as the rich rule the poor, so the borrower is servant to the lender” Proverbs 22:7

Memory verse 3: “the way of the fool is right in his own eyes, but a wise man is he who listens to counsel” Proverbs 12:15

Memory verse 4: “you shall not steal, nor deal falsely, nor lie to one another” Leviticus 19:11

Memory verse 5: “whatever you do, do your work heartily, as for the Lord rather than for men” Colossians 3:23

Memory verse 6: “for where your treasure is, there will your heart be also”   Matthew 6:21

Memory verse 7: ““steady plodding brings prosperity, hasty speculation brings poverty”  Proverbs 21:5

Investing principles, continued

Good morning, sorry i missed yesterday. The week has been a little hectic. Last time we started looking at investing principles, and just to review we talked about being a steady plodder, and let compounding work for you. The two really go hand in hand if you think about it. Now let continue this list

3. Avoid risky investments

“there is another serious problem i have seen everywhere-savings are put into risky investments that turn sour, and soon there is nothing left to pass on to one’s son. The man who speculates is soon back to where he began-with nothing” Ecclesiastes 5:13-14

We’ve all been tempted by high risk for high reward. We see that all the time with investment funds or with investing in the next great invention or stock market tip. While there is definitely potential for great gain, there is equally or maybe more  risk of losing everything. High risk, high reward or high loss. This circles us back to the first two principles, steady plodding over time. You may not get rich fast, but it is far more likely that it will all be there when you need it. Gambling could fall into the same catagory. We must remember that the money we have is God’s, and we are the stewards of it. Do you think He’s happy with us risking losing it on an impulse?

4. Diversify

“Divide your portion to seven, or even to eight, for you do not know what misfortune may occur on the earth” Ecclesiates 11:2

Any investment has some element of risk, even if it’s low, but potential for total loss to some unforeseen event. Basically the bible is saying don’t but all your eggs in one basket. If one basket breaks, at least there are others to fall back on.

5. Save and invest only when we are also giving

“Luke 12:16-21

¹⁶ And he told them this parable: “The ground of a certain rich man yielded an abundant harvest. ¹⁷ He thought to himself, ‘What shall I do? I have no place to store my crops.’

¹⁸ “Then he said, ‘This is what I’ll do. I will tear down my barns and build bigger ones, and there I will store my surplus grain. ¹⁹ And I’ll say to myself, “You have plenty of grain laid up for many years. Take life easy; eat, drink and be merry.”’

²⁰ “But God said to him, ‘You fool! This very night your life will be demanded from you. Then who will get what you have prepared for yourself?’

²¹ “This is how it will be with whoever stores up things for themselves but is not rich toward God.”

Even though God has told us to be steady plodders and diligent in our saving, this verse also shows us that we should be generous at the same time. Storing everything up for ourselves is not what God had in mind. We are to love our neighbors, help others when needs arise. If we have more than we need (not more than we want), we should share. And at the same time, being wise and putting away for rainy days. It’s a balancing act. This is also why I said before that learning to save money is the second most important skill. first is tithing

 

tomorrow we will look exclusively at the second step in the 7 steps to finanacial freedom

Lord, thank you for who You are! Continue to guide and direct us as we look at our finances. God search our hearts and help us to see places where we need changes. Thank you for your incredible blessings today. In Jesus name, amen

Memory verse 1: Everything in the heavens and earth is yours, O Lord, and this is your kingdom. We adore you as being in control of everything.  1 Chronicles 29:11

Memory verse 2: “Just as the rich rule the poor, so the borrower is servant to the lender” Proverbs 22:7

Memory verse 3: “the way of the fool is right in his own eyes, but a wise man is he who listens to counsel” Proverbs 12:15

Memory verse 4: “you shall not steal, nor deal falsely, nor lie to one another” Leviticus 19:11

Memory verse 5: “whatever you do, do your work heartily, as for the Lord rather than for men” Colossians 3:23

Memory verse 6: “for where your treasure is, there will your heart be also”   Matthew 6:21

Memory verse 7: ““steady plodding brings prosperity, hasty speculation brings poverty”  Proverbs 21:5

Yesterday we looked at why we should save, today, we will look at basic saving and investing principles

1. Be a steady plodder

“steady plodding brings prosperity; hasty speculation brings poverty” Proverbs 21:5

This is again our memory verse and the last verse we looked at yesterday. Too often we get caught up with all kinds of get rich quick ideas. The bible says slow and steady wins the race. The fundamental principle to be a successful saver/investor is to spend less than you earn. Isn’t that radical thinking? Then save and invest the difference over a long period of time. Slow and steady. Fast and hasty often leads to a loss or disappointment.

2. Let compounding work for you

What gives you a bigger balance in your account; if you put $100 per month in the bank, or if you put $1200 in the account in December? The answer, putting $100 in the bank each month. If you are unfamiliar with compound interest, let me try and explain.

First, I hope you know that you earn interest on your money when you leave it in your account. So, in other words, each month the bank gives you a percentage of your balance as interest, like a reward, for having it in there. Let’s say, for easy math, the banks are paying 12% interest. That means you are getting 1% per month, (if only it were that good 🙂  ) So if you put in $100 dollars, at the end of the month you will have $101. Now here is how compounding interest works. At the end of the second month, you will get interest not only on the $200 (100 from first month, 100 from second month) but on the interest you received in the first month. Do the math and the end of the second month you have $203.01

beginning of first month      $100

end of first month                  $101          earn 1% interest on total amount

Second month                          201            invest another $100

end of second month              203.01        earn 1% interest on total amount

third month                              303.01    invest another $100

end of third month                  306.04      earn 1% interest on total amount

fourth month                            406.04      invest another $100

end of fourth month               410.10        earn 1% interest on total amount

fifth                                             510.10      invest another $100

end of fifth                                515.20        earn 1% interest on total amount

sixth                                            615.20    invest another $100

end of sixth                                621.35      earn 1% interest on total amount

seventh                                        721.35    invest another $100

end of seventh                           728.57    earn 1% interest on total amount

eighth                                           828.57  invest another $100

end of eighth                              836.85      earn 1% interest on total amount

ninth                                             936.85    invest another $100

end of ninth                                946.22      earn 1% interest on total amount

tenth                                             1046.22  invest another $100

end of tenth                                1056.68    earn 1% interest on total amount

eleventh                                       1156.88  invest another $100

end of eleventh                           1168.25    earn 1% interest on total amount

twelfth                                           1268.25  invest another $100

end of twelfth                              1280.93    earn 1% interest on total amount

If we would have just put in $1200 at the end of the year, that is all we’d have. By letting the compounding work, you gained almost another months investment. Now imagine this over your entire working career. If you didn’t invest one more dollar after this year, and just let it accumulate interest over the next 40 years, that 1280.93 would turn into $7275.68. assuming it would always earn 12% interest.  The point? you need to start early. Start saving money as soon as you start working. You could be very wealthy by the time you retire. Time is the key.  Slow and steady plodding. Let compounding work for you.

“four things on Earth are small, yet they are extremely wise:ants are creatures of little strength, yet they store up their food in the summer” Proverbs 30:24

Let’s be like the ants!!  Ants do not wait until the week before winter to gather food, they do it from the first day of spring. This is the principle of how God suggests we save money. Dont’ wait until we are nearing retirement. You will have a hard time saving very much and you don’t get the benefit of compounding over time. But even if you are older and well into your working career , it’s never too late to start!

 

Lord, your so faithful. Thank you for you Word and your lessons in it. God help us all to have a desire to save. Help us to be steady plodders, and not to chase the get rich quick schemes out there. Give us the patience to do so also. Thank you Jesus, amen

 

That’s enough for today, tomorrow let’s look at more basic principles of investing and continue with the 7 financial steps we started yesterday.

New memory verse!

Memory verse 1: Everything in the heavens and earth is yours, O Lord, and this is your kingdom. We adore you as being in control of everything.  1 Chronicles 29:11

Memory verse 2: “Just as the rich rule the poor, so the borrower is servant to the lender” Proverbs 22:7

Memory verse 3: “the way of the fool is right in his own eyes, but a wise man is he who listens to counsel” Proverbs 12:15

Memory verse 4: “you shall not steal, nor deal falsely, nor lie to one another” Leviticus 19:11

Memory verse 5: “whatever you do, do your work heartily, as for the Lord rather than for men” Colossians 3:23

Memory verse 6: “for where your treasure is, there will your heart be also”   Matthew 6:21

Memory verse 7: ““steady plodding brings prosperity, hasty speculation brings poverty”  Proverbs 21:5

 

I hope you enjoyed the video sessions on tithing. I know i have learned so much from that teaching.  Now we will shift our focus to saving and investing.

Many people are not consistent savers. I’ve mentioned before I think the second most important habit financially we need to learn is how to save, tithing being the first. The average person saves less than one percent of their income, and at least 35 percent of all adults have no savings at all. This is very contrary to scripture which encourages us to save.

It Is Wise To Save

Saving money can be a real test sometimes, and can be a tough habit to start. Saving often has to go against our nature to have “stuff”, and forego an expenditure today so you will have something to spend in the future.

“the wise man saves for the future, but the foolish man spends whatever he gets” Proverbs 21:20

Now, saving money is only possible if you actually have any extra to put away. If our debts consume every dime of our income, that makes for a very stressful situation if any unexpected expense comes along. We should make it a goal and a habit that whenever we get paid, our first portion goes to tithe, and the second goes to savings. But this will take time and deliberate practice.

Now in the very near future, we are going to attempt to write our first budget, but there are a couple more things we need to consider first. You have already listed your debts, smallest to biggest. Keep updating this list as it changes. You have written out your personal financial statement, and you have had a look at a sample budget paper. Now let’s have a look at what is one of the most popular financial 7 steps plans in the world and highly recommended by leading Christian financial experts like Dave Ramsey. The 7 steps are these:

1. Save $1000 in a bank account for emergencies
2. Pay off all debts (except mortgage)
3. save 3-6 months of wages for emergencies
4. invest 15% for retirement
5. save for your kids college/university
6. pay off the mortgage
7. build your wealth and give more

 

Lets look at the first one today. Start off by getting a small buffer in your account for unexpected emergencies. And i don’t mean a “i don’t feel like cooking, so lets order pizza” fund. No real emergencies. Car breaks down, kid needs braces, that kind of stuff. Do this as fast as possible, sell stuff, get a second job, whatever it takes to create this emergency account. Less emphasis on debts during this time (continue paying at least the minimum though) so this account can be funded quickly. This is important because it will play into how we write our first budget. You will feel a lot more freedom and a lot less stress when you have a bit stashed away.

There are lots of methods to save money, especially if you have a hard time not spending it. You can set up automatic savings plans that put a certain percentage in a separate account the second your paycheque is deposited. Maybe you are getting a tax refund. Put it away. And if you need to, be accountable to someone.

“steady plodding brings prosperity, hasty speculation brings poverty”  Proverbs 21:5

All new habits take time to develop. Don’t give up. Start small and increase from there

 

 

Lord we thank you for your faithfulness. God help us to learn to save as your Word has instructed us. Show us today how were we can get that 1000 dollars for our emergency account. Help us to let go of things that need to go to get us on the right financial track. Thank you Jesus, amen.

 

tomorrow- investment principles and step 2.