1. Get a Budget

We must know where our money is going. Most people get into trouble because they have know idea where it is going. A budget app on my phone has been very helpful and mint.com.

2. Pay off ALL debt

Most Americans live off debt. Pay off credit cards immediately. You do not need them, use an "emergency fund" instead. Pay off loans quickly and as soon as possible.

3. Live below Your Means

This means cutting down on eating out. It means not spending all your income when you receive it. It means saving 10% and giving to the Lord's Work.

4. Develop an Emergency Fund

Ramsey argues that $1000 needs to be put away for any unexpected event (medical, car accident, etc.). You can put this away in a drawer or hidden place. DO not touch unless there is an emergency.

5. Plan for 3-6 months of Income

After getting out of debt and developing an emergency fund, plan for 3-6 months of income in case of unexpected events (job loss, economy crisis, pregnancy). For a couple makeing $3000 month, this could mean $10000.

6. Trust God

Proverbs 3:3-5. Ultimately, everything we own comes from the Lord and we are simply his stewards to bless the nations by the preaching of the gospel through our lives and deeds (including financial contribution).

Immediate Goals:

1. Pay off my Wellsfargo Credit Card. Tear it in half.

2. Pay off my JCrew Credit Card ($50).

3. Pay off my school loans ($5000).

4. Pay off Helen's School Loans.

5. Pay off my Talbot Seminary Loans before completion of M.Div

6. Use Check Card and Cash Only

7. Have over $10000 in Emergency Fund

8. Give to my local church, neighboring churches, and Amazing Grace Missions Ministry.

9. Love the Lord God through all of His Blessings and thank Him no matter the circumstance (1 Thess 5:16-18).