You Know, I’m All About the Budget

Some people make it a habit to read a chapter of Proverbs at the start of every day.

In “the Message” Bible, it states that the purpose of Proverbs is “to teach people the ropes,” so that we may attain wisdom and discipline and to understand what life means and how to do what is right, just and fair.Epiphany Financial

Proverbs 1:7 is a key verse that encapsulates the book’s overall purpose: “The fear of the Lord is the beginning of knowledge, but fools despise wisdom and discipline.”

I personally like the even more direct approach of Proverbs 12:1, which states: “Whoever loves discipline loves knowledge, but he who hates correction is stupid.”

Because I am an educator, Proverbs speaks a language that I value and wish more would embrace. Unfortunately, far too many detest discipline and, thus, shun the wisdom that could lead to their freedom.

When you consider what I do for a living – I help people make the “right” decisions about their money. And, the first “right” decision is to have a budget, yet the vast majority do not take the time and exercise the discipline to do so.

I work with 22 year olds to 72 year olds. I work with people who can save $100 a month to folks who save over $1,000,000 a year, and of the hundreds of clients and families with whom I work, there are less than 10% who came to me with a clearly defined budget of inflows and outflows, and even fewer who updated this document monthly.


And yet everyone wants financial freedom. Everyone articulates a desire to have “more.” Everyone talks about a desire for financial security. But, again, how can you EXPECT to have any of these realities if you do not INSPECT what is real?

Those who work their land will have abundant food, but those who chase fantasies will have their fill of poverty. (Proverbs 28:19)

Which leads me to some truths about how money really works in the lives of hard working US citizens: the vast majority do not know how to “think” about a budget, how to actually map it out and keep it current. Furthermore, money is THE hardest topic to discuss which is why it is the #1 stressor. As such, when you combine the challenge of knowing “how” to create and manage a budget with the emotions that surround money, it makes sense that so many people do not have a budget. And even for those folks who tell me they don’t need a budget because they don’t spend more than they make, my experience has been that because they do not truly know what is coming in and going out, they are throwing away money, literally.  

Whatever your situation, working with a professional who is focused on the behaviors and strategies that lead to wealth and security can be the difference between surviving and thriving! Look for someone who understands process over products first! (And, if you want a head start, you can access some budget worksheets on my website by clicking here.)

If you are a person of discipline when it comes to your personal economy; if you seek knowledge and wisdom when it comes to the macro-economic impact of micro-economic movements within your family economic system, contact us so we can help ensure you have the optimum return on EVERY dollar in your system.

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