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My wife Julie is a petite little thing, so I find it a little unnerving that she REALLY likes to destroy stuff – like walls.
We’re planning a small remodel of our bathroom and she’s ready to swing a sledgehammer. Since I’m the one who’s going to have to patch and replace that drywall, I need a plan so we don’t create a disaster rather than a nice new shower.
It’s the same with money – We all need to have a plan.
We need to have some money set aside for emergencies, we need to have proper insurance, we need to think about retirement. And by the way, Christmas is still in December… and that’s closer than you think! Have you started planning for that??
[perfectpullquote align=”full” class=”blockquote” color=”#128FC5″ size=”20″]Luke tells us in the Bible that it’s wise to have a plan – otherwise we’re going to look pretty foolish if we can’t finish the project (Luke 14: 28-30).[/perfectpullquote]
This week, Jules and I are “counting the cost” by getting prices for tile and fixtures and 2 x 4 studs. We have a budget and we’re working on the plan – which is good because I’m not sure how long it’ll be until Jules finds the hidden sledgehammer.
Do you have a plan for your money? Here are a few tips that can help:
1. Make a budget every month. Don’t fly by the seat of your pants; tell your money where to go. You’ll feel like you have more money because you actually will.
2. Use cash instead of just swiping away with a card. Many studies show that spending cash is more emotionally difficult because it activates pain sensors in our brain. You’ll spend differently.
3. Get some help. I coach a lot of people on their finances and lead a class called Financial Peace University. It’s a great plan for your finances and it’s taught all over the city in different places at times.
Let me know what you think by connecting with me!
-Greg Murray
