“Steady plodding brings prosperity; hasty speculation brings poverty.”
Proverbs 21:5

“For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it? Otherwise, when he has laid a foundation and is not able to finish, all who see it begin to mock him, saying, ‘This man began to build and was not able to finis’ “ 
Luke 14:28-30

Here are few items to keep in mind as you plan:

  • Plan your short and long term saving goals
  • Plan for “unexpected” emergencies
  • Plan for a car replacement fund
  • Plan for educational expenses (yours or your children’s)
  • Plan for living on just one income – even though you my be a two income family
  • Plan for retirement
  • Plan for vacation and Christmas expenses
  • Plan for paying off your mortgage earlier