The plans of the diligent lead surely to plenty, but those of everyone who is hasty, surely to poverty. (Proverbs 21:5)
Dave Ramsey is one of the best Finance guys out there… and he is a committed Christian! He often says that money is just a tool and it is our job to direct it and tell it what to do.
If we are having money troubles then maybe we haven’t been ‘directing’ and planning… but we’ve been letting our money run loose! Making our money work for us takes some time, some commitment, some research, and lots of discipline, but it can be done.
If you don’t have a budget… make one! That is the first step Dave Ramsey tells us to do in order to begin “telling our money what to do”.