Monitor Your Budget

I’m Miriam Neff, and I’m Valerie Neff Hogan, with Wise Women Managing Money

M We recommend regularly examining your budget.  As you record each expense, examine.  What areas are going up and what down?

V This year costs of raw materials are rising as are interest rates.  If you have a floating mortgage, home equity rate, or debt, those costs may increase.

Revisit your wants versus needs with a creative eye.  Do you need a phone that does so much?  cable entertainment? variety of wardrobe rather than simplicity?

We can’t guarantee you an easily balance budget.  But good stewardship brings peace of mind.

M We also see God providing in unexpected ways.  He sees your heart, your motivation.  All resources are His.  He can deploy them with efficiency that we can’t imagine.