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Tithe

Tithe

Your first expense is your Tithe. I personally feel you should tithe from the gross. As a Christian you need to remember that God wants our first fruits.

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Emergency Fund

Emergency Savings

The next expense you put will be your Emergency Savings, which is another 10 percent. Don’t worry right now about not having any money for this fund. This is why we are making a budget.

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Taxes

Taxes

“Our new Constitution is now established, and has an appearance that promises permanency; but in this world nothing can be said to be certain, except death and taxes.”— Benjamin Franklin, in a letter to Jean-Baptiste Leroy, 1789

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Housing

Housing

Next, include your rent or mortgage payment. If your mortgage payment includes taxes and insurance (escrow account), you want to separate those out from your monthly payment and list them separately.

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Food

Food

Maybe Franklin should have added food and water into his comment about debt and taxes. Food is something we all have to have in order to survive.

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Percentages

Remaining Eight

Maybe Franklin should have added food and water into his comment about debt and taxes. Food is something we all have to have in order to survive.

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