Money is a training ground for God to develop our trustworthiness, Luke 16:11 1

Principle 4 Live Within Your Budget “Discipline yourself for the purpose of godliness.” 1 Tim 4:7 “Apply your heart to discipline and your years to words of knowledge” Prov 23:12 “Make every effort to supplement your faith with goodness, goodness with knowledge, knowledge with self-control, self-control with endurance, endurance with godliness” 2 Pet 1:5-6 2

Common-Sense Tips for Saving Money Plan Ahead Generic? Absolutely! More Convenience Usually Costs More Coupons! Off-season Purchases Save Money Low-cost alternatives to traditional retailers Understand the Bills You Pay Wholesale Clubs? Yes, but …. 3

Make the Choice to Live at a Profit Don’t collect for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal. But collect for yourselves treasures in heaven, where neither moth nor rust destroys, and where thieves don’t break in and steal. For where your treasure is, there your heart will be also. Matt 6:

Debt Indentured servitude is when you go into debt to purchase items that immediately go down in value When you finance your purchase, you pay more 5

Teach Your Children To Manage Money Your actions speak far more loudly than your words – teach by example Give them the opportunity to manage their money 6

Identify Your Biggest Budget-Busters

Class 4: How Much Is Enough? There are two ways to attain enough: One is to accumulate more and the other is to desire less. Your wealth is only a measurement of God’s provision; not a measurement of your significance to God. 8

To figure it out: Quantify each long-term goal as of today Determine how much has been accumulated to date towards the accomplishment of each goal Determine the difference between the amount accumulated and the amount needed to accomplish each goal; this is either the overaccumulation or the shortfall The shortfall divided by the number of years until the need must be met will give the average amount per year that must be accumulated to accomplish that specific goal 9

Enough? If yes, consider giving the excess away. If no, develop a plan 10

Worldly perspective on wealth Wealth is necessary for protection Wealth produced anxiety Hoarding is acceptable Time is an enemy There’s no limit on accumulation It’s all mine 11

To know with conviction “how much is enough?” should be answered “Enough” can be determined “how much is enough?” will change over time “how much is enough for me?” is the real question Every financial decision ultimately impacts net worth Your net worth is the sum total of every financial decision that you have ever made 12

To know with conviction You’ll never be able to accumulate enough to feel financially secure, significant, or successful Net worth is always and only a measurement of God’s provision and never a measurement of success or significance 13

To Do Pray about your long-term goals Quantify your personal finish lines Answer the question “how much is enough?” for your family 14