I was listening to a podcast the other day and the guest that the host was interviewing quoted a scripture that I’ve probably heard once or twice before but that has never stuck with me. Zechariah 4:10 says, “Do not despise this small beginning, for the eyes of the Lord rejoice to see the work begin,” in the Living Bible translation. In the podcast, they weren’t talking about budgeting. In fact, I actually can’t remember what they were talking about when the guest quoted this scripture. But when I heard that verse I immediately thought, “huh, that’s kind of like starting a budget.”
Your reason for wanting to start a budget might be big. Maybe you want to pay for your children’s college, become debt free, start a business, fund a scholarship, or retire early. Or maybe you have a completely different reason for wanting to start a budget. Whatever your reason for wanting to start, budgeting can be a big task if you have never done it before. Like I said last week in my blog “Pro Tip: Don’t be Lazy, Work Hard,” budgeting is hard work at first. It takes determination, sacrifice, resilience, and persistence. At first, it might feel like you have to climb this huge mountain to get to your goal. If that’s the case, don’t be intimidated! Remember, “the eyes of the Lord rejoice to see the work begin,” so start small and stick with it!
If you are intimidated to begin budgeting and feel you need to take smaller steps to get started, sit down and track your expenses for a month first. Figure out how much of your money you are spending and where you are spending it. Then, figure out what expenses you can live without and make cuts where necessary. Maybe you don’t need to buy lunch every day and you can instead bring your lunch from home. Maybe you don’t actually need that Spotify subscription you bought several months ago and forgot about because you don’t really listen to Spotify very much anymore. Find the unnecessaries and eliminate them. Then, sit down and figure out how much money you are going to spend and what it is going to be spent on going forward. You don’t necessarily need to completely change your life right out of the gate. If you need to, it is okay to break budgeting down into bite-size pieces instead of tackling everything head-on all at once. It’s okay to start small, what’s important is that you just start somewhere!
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