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Readers learn practical steps: calculate net spendable income, track spending for 30 days, categorize every dollar, and adjust priorities with clear saving, giving, and spending ratios.",{"@graph":14,"@context":72},[15,34,55],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/general/","General",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/the-easy-guide-to-a-budget-you-love-2020-update/254094/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/the-easy-guide-to-a-budget-you-love-2020-update/254094.png","ImageObject",442,249,{"name":42,"@type":43},"Bill Black","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-09-20","2026-09-13",true,{"@type":52,"interactionType":53,"userInteractionCount":33},"InteractionCounter",{"@type":54},"ViewAction",{"@type":56,"mainEntity":57},"FAQPage",[58,64,68],{"name":59,"@type":60,"acceptedAnswer":61},"Why does the guide emphasize tracking spending and creating a budget?","Question",{"text":62,"@type":63},"It explains that tracking spending and using a budget helps bring peace and makes it easier to reach financial goals by showing where money goes and enabling money to work more effectively.","Answer",{"name":65,"@type":60,"acceptedAnswer":66},"How do you calculate monthly spendable income in Step 1?",{"text":67,"@type":63},"Start with gross yearly income, subtract taxes and tithe to get Net Spendable Income (NSI), then divide NSI by 12 to determine monthly spendable income.",{"name":69,"@type":60,"acceptedAnswer":70},"What does Step 2 recommend for understanding monthly expenses?",{"text":71,"@type":63},"Track spending for 30 days using receipts and records (notebook, banking review, or online tools), and distinguish fixed versus variable expenses, including debts, savings, and surplus income.","https://schema.org",{"og:url":32,"og:type":74,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":76,"canonical":32},"index,follow",{"doc_id":78,"site_id":7},254094,1789274030,{"code":4,"msg":81,"data":82},"success",[83,88,93,98,103,108,113,118,123],{"id":84,"doc_module":22,"doc_module_name":25,"category_name":85,"show_sort_weight":86,"slug":87},11,"Presentations",90,"presentations",{"id":89,"doc_module":22,"doc_module_name":25,"category_name":90,"show_sort_weight":91,"slug":92},12,"Resumes",80,"resumes",{"id":94,"doc_module":22,"doc_module_name":25,"category_name":95,"show_sort_weight":96,"slug":97},14,"Invoices",70,"invoices",{"id":99,"doc_module":22,"doc_module_name":25,"category_name":100,"show_sort_weight":101,"slug":102},15,"Posters",60,"posters",{"id":104,"doc_module":22,"doc_module_name":25,"category_name":105,"show_sort_weight":106,"slug":107},16,"Social Media",50,"social-media",{"id":109,"doc_module":22,"doc_module_name":25,"category_name":110,"show_sort_weight":111,"slug":112},17,"Forms",40,"forms",{"id":114,"doc_module":22,"doc_module_name":25,"category_name":115,"show_sort_weight":116,"slug":117},18,"Letters",30,"letters",{"id":119,"doc_module":22,"doc_module_name":25,"category_name":120,"show_sort_weight":121,"slug":122},21,"Paper Templates",5,"papers-templates",{"id":124,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":4,"slug":125},158,"general-158",{"code":4,"msg":81,"data":127},{"doc_id":78,"user_id":128,"nickname":42,"user_avatar":129,"doc_module":22,"category_id":124,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":33,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":84,"language":135,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":12,"update_tm":79,"read_time":33},24189269381491,"https://ap-avatar.wpscdn.com/avatar/160000cf11732dd8392?x-image-process=image/resize,m_fixed,w_180,h_180&k=1788146458752108895","THE  \nEASY  \nGUIDE TOA BUDGET YOU  \nLOVE  \nYou Can Make a  \nBUDGET YOU LOVE  \nDID YOU KNOW that tracking your spending and creating a budget can lead to financial freedom and bring you peace? A budget empowers you to know exactly where your money is going and helps you reach your financial goals. When you use a budget, your money starts working for you, not the other way around. It doesn’t limit your spending, it gives you freedom to spend...the right way.  \nThe Bible is full of examples of the importance of planning. God gave His people a detailed plan for building the tabernacle, the ark, and the temple. He also gave detailed laws that the Israelites were to follow while living in the Promised Land. Jesus, in Luke 14, talks about how foolish a man is who wants to build a tower but doesn’t first sit down and count the costs, who does not make a plan.  \nA budget is simply a plan for how to spend the money we have. As Christians, we recognize that everything we have is a gift from God (1 Chronicles 29:11-12) . We are not the owners; we are simply the managers of what He has entrusted to us. Knowing this should give us a better perspective on handling money. A budget is a great way to help us to be faithful to God.  \nIf you’re planning to spend money, you need to know how much you have, where it needs to go, and how it needs to be allocated.  \n2 | The Easy Guide to a Budget You Love  \nLiving within a budget will help you accomplish several things:  \n1 Give you freedom to spend  \n2 Help you develop a habit of saving  \n3 Show you how to get out, and stay out, of debt  \n4 Provide margin for when emergencies arise  \n5 Allow you to live with less stress and more confidence  \nBut your budget will never work unless you work your budget. The saying,“those who fail to plan are planning to fail” applies to your budget as well. Once you have one, stick to it!  \nProverbs 16 says,“Commit to the Lord whatever you do, and he will establish your plans.” It’s also a great idea to set up accountability for keeping your budget.  \nReady tomakea budget you love?  \n3 | The Easy Guide to a Budget You Love  \nSteps to Making  \nYOUR BUDGET  \nBUDGET TIP:  \nFor families with two working  \nSTEP 1  \nKnow Your  \nMonthly Income  \nspouses, consider only spending one income and saving the other.  \nStart with your gross income from all sources.  \nThis is how much you earn before you give your tithe and pay your taxes. When calculating your income, don’t forget to include any side jobs, alimony, rent, dividends, tax refunds, etc.  \nSubtract yearly taxes and tithe.  \nYou’ll need to account for federal income, state income, federal social security taxes, etc. You can review your tax documents from last year or your pay stub to help you find an accurate number. Or you can reference these spending guidelines to estimate your taxes.  \nGiving 10% of your gross yearly income as tithe is usually a good place to start.  \nYou now have your Net Spendable Income, or NSI.  \nDivide your NSI by 12 to get your monthly spendable income. This is the amount of money that you have to spend every month, so this is the amount you will use to create your budget.  \nIf you have variable income, use an average of the past 6-12 months as your NSI. Or, use the lowest month you’ve had in the past year as your NSI, and save any extra.  \n4 | The Easy Guide to a Budget You Love  \nSteps to Making  \nYOUR BUDGET  \nSTEP 2  \nKnow Your  \nMonthly Expenses  \nTrack your spending for 30 days.  \nKeep a notebook in your car, always ask for receipts, and review your online banking account.  \nIf you prefer an online tool, there are plenty of free apps that make it easy to keep track of your spending. Check out a few and find one that’s right for you.  \nWhatever method you use, try to get an accurate understanding of how you spend every cent. For married couples, each spouse should track spending individually and compile together.  \nIdentify which expenses are fixed, and which are variable. Here’s a form to he","cbCaifoExfV8X2uF","https://ap.wps.com/l/cbCaifoExfV8X2uF","pdf",2008971,"English","# The Easy Guide to a Budget You Love\n## The Purpose and Benefits of Budgeting\n## Steps to Making Your Budget\n### Step 1 - Know Your Monthly Income\n### Step 2 - Know Your Monthly Expenses\n### Step 3 - Put Your Expenses In Categories\n### Step 4 - Implement Your Budget","[{\"question\":\"Why does the guide emphasize tracking spending and creating a budget?\",\"answer\":\"It explains that tracking spending and using a budget helps bring peace and makes it easier to reach financial goals by showing where money goes and enabling money to work more effectively.\"},{\"question\":\"How do you calculate monthly spendable income in Step 1?\",\"answer\":\"Start with gross yearly income, subtract taxes and tithe to get Net Spendable Income (NSI), then divide NSI by 12 to determine monthly spendable income.\"},{\"question\":\"What does Step 2 recommend for understanding monthly expenses?\",\"answer\":\"Track spending for 30 days using receipts and records (notebook, banking review, or online tools), and distinguish fixed versus variable expenses, including debts, savings, and surplus income.\"}]","The Easy Guide to a Budget You Love - 2020 Update | PDF"]