If you’ve never really lived on a personal/family budget, the start of a New Year is a great time to start. If you already do, this is a great time to revisit it and make adjustments.

Budgeting is a necessity, but for most of us, it can be a challenge, and sticking to the budget can even be a greater challenge. As you are being financial stewards of the money God has provided for you, we have included some links to resources that might help make your budgeting easier. These all have different approaches, so see if any of them might be helpful to you.

  • A simple budgeting tool by Dave Ramsey that gives you an idea of how much you should spend in various categories based on your income.
  • A variety of budgeting related online ‘calculators’ by Crown Financial Ministries.
  • A budgeting tool that is a little more thorough.

If you would like personal advice on making and keeping a budget, Chip and Katy Hardy have volunteered to be a resource. Just email them at hardyhh.