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Money Matters - A Families Involvement In The Budget
By: Aubrey Jayroe
Developing and maintaining a budget is a FAMILY AFFAIR. If you are married, you must work together. If you have children, this is the proper time to teach them how to operate within their means.
To make a budget work, there are some things that must be attended to prior to spending.
Together you should:
- Decide on needed items and plan how much can be spent before going shopping.
- Always use a shopping list that has been approved by both spouses.
- Buy only the planned items.
- Compare prices and quality before buying.
- Use credit only when necessary for necessary items.
- Do not use credit for items that are not realistically needed.
- Decide together on a vacation spending
- Encourage each other of the benefits of saving
- Make realistic goals of being debt free
- Start gift shopping early and stay within a prescribed means
- Don’t over spend just to make someone in the family feel good.
- Decide how much to save on a regular basis.
Set down together and discuss the family budget and include in the discussion the benefits of becoming debt free for the future.
The following provides a simple method of how to establish a budget.
- Go through your checkbook and/or bills for the last twelve months to determine your past expences to create a budget..
- Think about your hobbies and other activities you may enjoy and add these to your budget catagories.
- Go through your bank statements and/or pay stubs to calculate your monthly income. Enter this into your budget.
- Include all other income such as interest income, dividends, bonuses, or other forms of income you may have.
- For each expense category, establish a budget amount that realistically reflects your actual expenses for the coming months. Put these at levels where it will enable you to save money.
- Keep track of all expenses throughout the month and track these in your budget.
- Subtotal all the income and expense categories including the monthly mortgage and notes you have.
- Subtract the expenditures from the income to arrive at a net income.
- If the net is negative, your expenses are greater than your income. You must change your spending habits to reduce your expenses.
- If the net is positive, transfer as much as possible to a savings or investment account at the end of the month. Do not leave extra money in your checking account because it is too easy to spend it.
- After you have tracked your actual spending and actual income for at least a three months, you can easily see your spending habits and identify where you can make cuts or start paying off debt.
- Once you are comfortable with the budget process, take an in-depth look at the overall budget. Locate your largest spending category, discuss how to reduce debt by reducing your spending habits. Plan for specified savings.
- Up-date your budget of income and expenses on a monthly basis.
A budget cannot be maintained without the cooperation of all family members. One member of the family cannot keep information from another. Working together provide a spirit of unity in the home and helps control what happens in the area of finances.
You can learn more about the importance of tithing & giving at http://www.pastoralhelps.com/where-your-treasure-is/
Aubrey L. Jayroe is an Accredited Tax Advisor; Accredited Tax Preparer; Licensed to Practice before the Internal Revenue Service; Certified Tax Return Preparer
For 40 years, Jayroe & Company has been providing quality, personalized financial guidance to churches, local individuals and businesses. Jayroe & Company's expertise ranges from basic tax management and recordkeeping services to more in-depth services such as reviews, financial statements, and financial planning.
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"The treacherous enemy facing the church of Jesus Christ today is the dictatorship of the routine, when the routine becomes "lord" in the life of the church. Programs are organized and the prevailing conditions are accepted as normal. Anyone can predict next Sunday's service and what will happen. This seems to be the most deadly threat in the church today. When we come to the place where everything can be predicted and nobody expects anything unusual from God, we are in a rut.
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Continuing this series on Guarding the Gates, which in concept really speaks of guarding the mind, we come to the third thing that can help you. In review, the first thing to do to guard the gates is to be given to study and the second thing is a minister has to be given to prayer. The third guard that you can put at the gate is a quest for personal holiness and godliness.
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Holiness is important because of the nature of the work that a preacher must do. Never will I forget the story that was told in the very first class when I begin RN school in March 1985 that was told of Lewis Semmelweis. He was the guy who was laughed at because he outrageously claimed that dirty physicians’ hands were responsible for the death of the mothers who were dying from childbed fever. He was certain that the germs that were unseen were the culprits that were literally killing these young mothers.
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[ read more...]
I love adventure. I like eating at restaurants that I’ve never eaten at before. I like going places I’ve never been before. I will often take a wrong road intentionally just to see what is there that I’ve been missing. I want to see countries, I’ve never seen before. I want to enjoy what is just ahead.
I want to enjoy some things in the spirit realm too. I look into the Bible and I see the Christians in the New Testament having an all night prayer meeting for Peter. The miracle to me was not Peter getting loosed from prison. The miracle to me was a body of believers putting their agendas, and personal motives aside long enough to agree that something had to be done about Peter’s condition.
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Create teams. People work better when they have someone else to lean on now and then. A team can encourage each other and help to share burdens. This also allows people who are inexperienced and who would otherwise be unable to get involved the opportunity to gain experience. They may later be able to lead a team of their own.
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Paradox - "A statement seemingly absurd or self- contradictory, but really founded in truth."
Being a Pastor or Christian leader is not easy. Whoever said it was, was lying. Being a Pastor or Minister is rewarding and satisfying, but it is not easy.
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You are raising money for Life Transformation, not Organizational Survival. Your objective must be to advance the cause of ministry, not to perpetuate the survival of an institution. God can make great things happen in people's lives without an organization through which such ministry happens. Focus on the essential: Seeing lives changed for the glory and purposes of God.
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Let's say that there are 10,000 pastors who in any given week spend an average of 5 hours in preparation for the following weeks sermon. That would mean that those pastors accumulatively spend 50,000 hours per week studying for their sermon. On an annual basis, those same pastors spend a total of 2,600,000 hours in sermon preparation.
- In 1 year = 108,333 days
- In 1 year = 297 years
- In 1 year = 5 life times (60 year life span)
Think about that for a moment. To me it is staggering. What is also staggering to me is that many of these ministers are going to preach a message within that year that is similar to that of another man's message. Eventually, most of our messages are very similar!
Combined, these men will preach a total of 520,000 messages this year. I guarantee you that at least 20% of these messages are teaching very similar principles.
Here is where I am concerned. We are living in the last days. Every moment counts. If it were possible to help theses 10,000 men/women shave 20% off of their study time by creating a way for them to share sermon thoughts or ideas we could save the Church...
- 520,000 hours. Each Year!
- 21,667 days. Each Year!
- 59.5 years. Each Year!