Mastering Your Money: The 3 Financial Choices Every Christian Man Faces
0TLDR: Learn how to take control of your finances through practical budgeting. Discover the three choices you have with money, create a monthly budget plan using a free spreadsheet, and understand how sinking funds can transform your financial future.
Top o' the Mornin' to Ya!
You've got three choices with your money, and they're all about behavior. The Mary budget: earn this much, spend less. The written budget: create a plan and tell your money where to go. Or keep doing what you've always done.
Budgeting isn't about math—it's about changing behavior. When you create a monthly budget, you're taking control by giving every dollar a purpose. Start by listing income sources, then prioritize expenses beginning with tithing and savings, followed by necessities like housing and food. Don't forget to budget for play—small rewards help maintain the discipline needed for financial transformation.
The key principles are simple:
Budget to zero (income minus expenses equals zero)
Handle surprises by adjusting categories within your plan
Create sinking funds for predictable large expenses (car insurance, vacations, Christmas)
Save your leftover money instead of finding ways to spend it
The first year of budgeting will be full of adjustments as you discover forgotten expenses, but each month gets better. This isn't just about organizing numbers—it's about taking ownership of your financial behavior and creating peace in your life.
For Kingdom leaders, this financial discipline mirrors spiritual discipline. Just as you lead your family and business with intention, your money needs the same careful stewardship. This structure frees you from financial stress so you can focus on Kingdom impact rather than money worries.
You can't spend what you don't have—this might be contrary to American culture, but it's the foundation of true financial freedom. The simple lifestyle of budgeting and consistent saving has created more millionaires than inheritance or lottery wins.
You be blessed!
Free Monthly Budget Spreadsheet: https://docs.google.com/spreadsheets/d/1WS_JTEwHl6Jw4hnjxiMFlgE6I6C6GInYb48oAxBXyjY/edit?usp=sharing
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