Over a long period of time. Crucify your ambition to make big bucks. Avoid deals or getting into any investment or job too quickly. Luke 12:15, Prov. 30:8

Develop a spending plan. Tithe 10% even in debt. Give to God first and trust Him to meet your needs. Learn to be content. 1^st Tim 6:6-17 Phil 4:19 , Heb 13:5

Develop habit of saving. You already have habit of spending. Pay yourself as much as possible during your earning years or harvest preparing for retirement or the winter ahead.

You are pre-committing future earnings. Wait 30 days on all purchases over $100. Must earn $600 / month to pay back $400/ month. In Debt….read Psalms Debt is your enemy. Call your creditors, agree on a payment plan and stick to it. May take 5-10 years, but there is a way out and God will help you if you ask.

Do not use your car to impress people. Consider the depreciation cost along with the maintenance, insurance, upkeep, and fuel. It is usually the largest factor.

Keep mortgage payments low. Payments plus utilities should be less than 40% of total income after taxes and tithe. Do not depend on wife’s income.

You may have an ego problem. Must be in agreement. Not your way or her way but God’s way. God gave you a helper……use her input but not her income.

Carry proper amount of death, health, and liability insurance. Both of you need to be involved in these decisions…..especially death. 80% die with improper wills.

Credit cards may cause you to spend as much as $2000/ year more. Over a 20 year period this cost to you is not 20 times $2000 = $80,000 but $200,000! If you put $2000 / year in an IRA at 8% it will yield $200,000 in 20 years.

They may be able to see problems you cannot. This will make you set objectives, communicate, and be held accountable for your decisions.

**( Most of this from Ron Blue) John Lovoy