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Day 9 – Planning and Budgeting


“If you fail to plan, you plan to fail.”

As Christians, we often fail to have a plan for our finances. Prior to doing this study, you may have even thought that it was unspiritual to spend time focusing on your finances. In this study we will look at the need for us to establish a budget for our spending. A budget is framework for your giving, spending and saving based on your income. It is a tool to help you be a good steward of that which God has entrusted to you.

The Need for a Budget

  • God expects you to know the conditions of your flocks and herds (i.e., money, possessions, debts) (Proverbs 27:23)
  • We must have a plan and commit it to God (Proverbs 16:1, 3:9)
  • Jesus teaches us to know the cost of something before we begin. It is foolish not to budget (Luke 14:28-30)


  • Plan to give to God FIRST!
  • Plan to live sacrificially, not beyond your means.
  • Plan to have something to share, to be able to be generous with others.
  • Plan to save for emergency or one-time expenses (auto repairs, medical expenses, family trips)
  • Plan to eliminate debt (Romans 13:8)


  1. Do I have a written budget that I use to plan my giving, spending and saving?
  2. Do I compare my actual spending to my budget?
  3. Have I adopted a standard of living that enable s me to stay out of debt and have enough to be generous with others?

Click here for a sample Budget Worksheet.

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