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How do I start planning my own finances?

If you want to start at the beginning, learn what God thinks about finances, and build your own goals and budgets, then you should download this workbook.  Inside you'll find verses, wisdom, debt reduction worksheets, budget worksheets, spending guides, and all kinds of useful information for working through your finances.  This also contains the homework for the Personal Finance Seminar.  You'll need Microsoft Excel to run it and be sure to enable Macros when prompted

How do I know if I'm sticking to my budget?

The Budget Expense Record is a handy tool to calculate your monthly expenses over time.  This system is comparable to or YNAB, allowing you create a budget, evaluate your progress, and view spending trends. The Budget Expense Record will take all your expenses (and your taxes) out of your gross income and show you exactly where your earned money is being spent.

How much should I be spending?

The % Guides indicate how much a typical single, married couple, or family will spend on each category.  This is helpful for evaluating your own personal budget from your income. Are you concerned about spending too much or too little on a certain expense category? Consult the % Guide for your situation and adjust accordingly.

Are there any available resources for coming up with a debt plan?

The Debt Liquidation Schedule will help you plot out which debts you have, and how long they will take to pay off.  This can be a useful tool for gaining a realistic picture of the time frame involved in being debt free.  (If you're not familiar with excel, you may want to come in and get some help with this.)

Are there any class materials I can look to for more info?

We have two classes offered right now to help you with deeper study into your finance.  Both of these classes provide the biblical foundations as well as the practical applications of getting your finances into a place where God can use them more effectively.  Keep your eyes peeled for more classes coming including Estate Planning, Managing Inheritance, and Personal Finance for College Students.

What do I need to do before I meet with a counselor one-on-one?

Before meeting with one of our counselors individually we will ask you to fill out some detailed paperwork.  Although not everything may seem relevant, our counselors will craft advice for you based off of a complete financial picture.  If you have any questions about any of the sections in the paperwork, please contact us.  We want to help you fill as much out as you can so we can give you the best advice possible.