Discretionary: clothes, food, entertainment

Matthew 14: 34, 37, 38 “How many loaves do you have?” Jesus asked. “Seven,” they replied, “and a few small fish.” 37 ‘They all ate and were satisfied. Afterward the disciples picked up seven basketfuls of broken pieces that were left over. 38 The number of those who ate was four thousand men, besides women and children.’

Keep in mind.
All we have belongs to God, and its on loan to us to use. We spend in ways to honor Him so we can be generous with others and Kingdom purposes. What can God do when we put every part of our spending in His hand?

Women make 80% of all consumer purchases.

I. Suggested percentages: Food: 15% max. Personal, including clothing 15% or less, recreation 5%. Changes are possible.

II. Shrinking your food budget: Shop with cash.

III. Clothing: Is it a need or a want? Delay purchases for a month. Reconsider.

IV. Be prepared to see God work in surprising ways.

Contentment comes with your spending plan well within your income.
Spending down, financial anxiety down.
Contentment and trusting God: UP