That’s My King! Do You Know Him?

do-you-know-king

That’s My King! SM Lockridge

 

“The Bible says my King is a seven-way king..

  • He’s the King of the Jews; that’s a racial king..
  • He’s the King of Israel; that’s a national King..
  • He’s the King of Righteousness.
  • He’s the King of the Ages..
  • He’s the King of Heaven.
  • He’s the King of Glory.
  • He’s the King of Kings, and He’s the Lord of Lords.

 

That’s my King. Well. I wonder, do you know Him? David said, “The Heavens declare the glory of God and the firmament shows His handiwork. My King is a sovereign King. No means of measure can define His limitless love. No far seeing telescope can bring into visibility the coastline of His shoreless supply. No barrier can hinder Him from pouring out His blessings.

  • He’s enduringly strong.
  • He’s entirely sincere.
  • He’s eternally steadfast.
  • He’s immortally graceful.
  • He’s imperially powerful.
  • He’s impartially merciful.

 

Do you know Him?

  • He’s the greatest phenomenon that ever crossed the horizon of this world.
  • He’s God’s Son.
  • He’s a sinner’s Savior..
  • He’s the centerpiece of civilization.
  • He stands in the solitude of Himself.
  • He’s awesome.
  • He’s unique.
  • He’s unparalleled.
  • He’s unprecedented.
  • He’s the loftiest idea in literature.
  • He’s the highest personality in philosophy.
  • He’s the supreme problem in higher criticism.
  • He’s the fundamental doctrine of true theology.
  • He’s the cardinal necessity of spiritual religion.
  • He’s the miracle of the age.
  • He’s the superlative of everything good that you choose to call Him.
  • He’s the only one qualified to be an all sufficient Savior

 

I wonder if you know Him today?

  • He supplies strength for the weak.
  • He’s available for the tempted and the tried.
  • He sympathizes and He saves.
  • He strengthens and sustains.
  • He guards and He guides.
  • He heals the sick.
  • He cleanses lepers.
  • He forgives sinners.
  • He discharges debtors.
  • He delivers captives.
  • He defends the feeble.
  • He blesses the young.
  • He serves the unfortunate.
  • He regards the aged.
  • He rewards the diligent.
  • And He beautifies the meek.

 

I wonder if you know Him? Well, my King is the King.

  • He’s the key to knowledge.
  • He’s the wellspring to wisdom.
  • He’s the doorway of deliverance.
  • He’s the pathway of peace.
  • He’s the roadway of righteousness .
  • He’s the highway of holiness.
  • He’s the gateway of glory

 

Do you know Him? Well.

  • His office is manifold.
  • His promise is sure.
  • His light is matchless.
  • His goodness is limitless.
  • His mercy is everlasting.
  • His love never changes.
  • His Word is enough.
  • His grace is sufficient.
  • His reign is righteous.
  • And His yoke is easy, and his burden is light.

 

I wish I could describe Him to you, but

  • He’s indescribable.
  • He’s incomprehensible.
  • He’s invincible.
  • He’s irresistible.

 

Well,

  • You can’t get Him out of your mind.
  • You can’t get Him off of your hand.
  • You can’t out live Him,
  • And you can’t live without Him.
  • The Pharisees couldn’t stand Him, but they found out they couldn’t stop Him.
  • Pilate couldn’t find any fault in Him.
  • The witnesses couldn’t get their testimonies to agree.
  • Herod couldn’t kill Him.
  • Death couldn’t handle Him,
  • And the grave couldn’t hold Him.

 

Yea!, that’s my King, that’s my King. Father. “Yours is the Kingdom. And the Power. And the Glory. Forever” and ever, and ever, and ever, and ever. How long is that? And when you get through with all the forevers, then. AMEN and AMEN!

 

 

Fellowship with the Father

fellowship

BY MARTIN PURYEAR

1 Peter 2:2-3 (ESV) Like newborn infants, long for the pure spiritual milk, that by it you may grow up into salvation— [3] if indeed you have tasted that the Lord is good.

THE TWO THINGS I SHOULD ALWAYS LOOK FOR WHEN I READ THE BIBLE

  1. What truth is this passage teaching?
    2. How will I apply this principle to my life?

Note: Spiritual truth takes place when one begins to obey the truth he or she already knows.

John 7:17 (ESV) “If anyone’s will is to do God’s will, he will know whether the teaching is from God or whether I am speaking on my own authority.”

These are the words of Christ as He was teaching in the Temple.

HOW TO PRACTICE MY QUIET TIME:

  1. Begin with prayer.

1 Cor 2:11-12 (ESV) “For who knows a person’s thoughts except the spirit of that person, which is in him: So also no one comprehends the thoughts of God except the Spirit of God. Now we have received not the spirit of the world, but the Spirit who is from God, that we might understand the things freely given us by God.”

  1. Read one or more chapters of the Bible.
    3. What is the one truth that stands out to me today?
    4. Record the key thought in that days journal page.
    5. Now, lift up a prayer to God for what He has shown you.

HOW TO WRITE AN APPLICATION:
1. I should PRAISE God for what He is like (HIS CHARACTER)
2. I should THANK Him for what He has done (HIS WORKS)
3. I should TRUST him to do what He has promised He would do.
4. I should OBEY His command.
5. I should IMITATE or AVOID this character trait.

MY RESOLVE TO THE TRUTH REVEALED

  1. Does this truth reveal something about God’s character for which we should PRAISE Him?
  2. Does this truth reveal something that God has done for which we should THANK Him?
  3. Is this truth a PROMISE God has made for which we should TRUST Him?
  4. Is this truth a DIRECT COMMAND that we should OBEY in our ATTITUDE or our BEHAVIOR?
  5. Is this truth a GODLY (or UNGODLY) CHARACTER TRAIT that we should IMITATE or AVIOD?

HOW TO WRITE AN APPLICATION STATEMENT:

  1. A response statement should include words like “I will” and “who” “what” “when” and “where.”
  2. An example of this would be:

Someone might read Titus 2:9-10
“Urge bondslaves to be subject to their own masters in everything, to be well-pleasing…Not pilfering, but showing all good faith so that they will adorn the doctrine of God our Savior in every respect.”

  1. The key thought the reader may come to might be.
    “My work ethic is to be a reflection of the faith I have told others I have in Christ.”
  2. The application statement may read:
    “Starting MONDAY, I will not pilfer time from my employer by taking 25-30 minutes for a break when he allows me only 15 minutes. I will be careful to watch the clock and return to work on at 10:15 and 2:15.”

In this example, the WHO is my employer, the WHAT is to be careful to watch the clock and return to work at 10:15 and 2:15, the WHEN is starting Monday, and the WHERE is at work.

THE BIBLE READING PLAN:

  1. Start with the 10 week plan in the workbook and then the 500 plus day plan after.
  2. Read the assigned reading each day and then record the key thought for that days reading. Lift up a prayer to God each day thanking Him for what He has shown you.
  3. At the end of the week you should have seven key thoughts. Now, take the key thought out of those 7 and write an application statement based on that key thought. Pray this commitment back to God.

 

 

Tough Questions – Why is the Bible so Repetitive?

questions

Why does the Bible keep starting all over again?

I was asked this very question the other day. I was sitting across the table from an eager young man that I recently had the privilege of leading to Christ. We met at a restaurant at his request. He had questions… and lots of them! It’s thrilling to see him so hungry to understand the Bible. In fact, he was more interested in discussing the Bible than he was eating.
When my friend Bill (not his real name) asked me this question, it took a moment to understand where he was coming from. Then I recalled the New Testament I gave him right after leading him to Christ, and the instruction I gave him about reading it. I failed to mention to him that there are four gospels, and that each writer is presenting Jesus Christ to the world through their writings under the inspiration of the Holy Spirit.
This is what was puzzling to him. He would read Matthew and then begin to read Mark, only to discover that Mark was starting over and telling about the beginning of the story of Jesus all over again. He found the same thing happened when he got to Luke.
I then explained to Bill, that each writer was writing with the guidance of God to tell the story of Jesus. They were not giving us four different gospels, because there is only one gospel, but these are four independent witnesses sharing with the world, the truth about Jesus Christ. There are many things that each writer says that are similar, but if we read carefully we will find some distinct differences as well. I explained to Bill that the differences in their testimonies are COMPLIMENTARY and not CONTRADICTORY.
Bill was like a sponge as I explained that the four gospel writers were telling the story of Jesus, giving their unique perspective and it seems with a unique audience in mind too. It seems Matthew had the Jewish people in mind, Mark had the Romans in mind, Luke had the Gentile (anybody not a Jew) in mind, and John wanted the whole world to embrace what He had to say about Christ.
There is a lot more to tell, but I wanted to make sure Bill didn’t get stumped by reading these accounts and wondering why in one place two blind men are mentioned while another account only mentions one. To illustrate this, I asked Bill to imagine being one of four people that witnessed an accident. The policeman arriving on the scene asks him and the other three to write out what they saw. In those four accounts there would probably be many things similar, yet there would be distinct differences too. One might have only seen two cars crashing into one another, while another saw that a third car failed to brake when the first two cars crashed and included that in their report too. Another may have seen all three cars were damaged but because that person arrived on the scene a few seconds after the fact, he was not able to report anything about who hit who.
The fact that the reports of each person varied some doesn’t mean that somebody wasn’t telling the truth. In fact, whenever four witnesses give a report on the same crime and they all tell the exact same story the exact same way it sends up a flag to the detective interviewing the individuals that they must have gotten together to collaborate about their stories. This is called collusion. When this happens, witnesses are usually not considered reliable, and may in fact be trying to cover something up.
Satisfied with the answers I gave to his concerns, this inquisitive young man grinned widely. It is always a delight and blessing to see new converts with such a fervor to know Christ and grow in faith and understanding!

 

 

Why So Much Suffering in the World?

 

As a chaplain one of the most common questions that I get is why would a loving God allow so much suffering in the world.  People want to know why bad things happen to good people.  When I get asked that, I know the real question is, “Why am I hurting so bad and why doesn’t God stop it.”  I can’t begin to answer the question on an individual basis: “Why does any certain person suffer or go through hard times.”  However, I can give some insights from the Bible about suffering in general.

 

First, it was not God’s intention that we have suffering.  Genesis 2:31 says that when God had finished creation and saw all that He had made it was very good.  Everything was as it should have been.  No sickness, no suffering and no death.  That sounds pretty appealing, doesn’t it?  The problems all started when Adam and Eve chose to eat from a tree called the tree of knowledge of good and evil.  When God placed them in the Garden of Eden He told them they could eat from any plant or tree they wanted but that they should not eat from this particular tree.  When they disobeyed God and ate the fruit, they brought sin, suffering and death into the world.

 

God created us to have a true and meaningful love relationship with us.  To have that true relationship we had to have the opportunity to choose to love Him back or not.  If we do not have the choice, we are simply robot-like beings who show false and forced affection.  That is not real love.  God knew that, even with the possibility of pain, suffering and death in the world, it was better for us to have a choice to love Him than to be forced to.

 

The great news is that just like God had no intention for us to live in suffering, He has no intention of leaving it this way.  In fact, He has already put the solution in place.  You see, when God decided that it was better to have a real relationship with you and me rather than a fake or forced one and planted the tree of knowledge, He also knew that choice would ultimately cost His own Son His life.  When sin entered the world death also entered the world.  Romans 6:23 says that what we deserve for the bad things we have done is death.  God still wants to have that true, loving relationship with Him but in order for that to happen someone has to pay for the sins that continue to bring suffering into the world.  That is where Jesus comes in.  Because Jesus had never sinned, when He died on the cross as a perfect sacrifice He willingly paid the penalty for all sins in the world.  That includes yours and mine.

 

So what does all of this mean for you right now?  First, God understands where you are!  You may be going through a really tough time.  You know people who are sick.  You know people who have died.  It is very hard to watch.  God knows how you feel.  He watched from Heaven as His Son died to pay the penalty for sins He never committed.  He gets it!

 

Second, you can have hope.  I shared earlier that Romans 6:23 says that what we deserve for what we have done is death.  The great news is that the verse does not stop there.  The second half of the verse says, “but, the gift of God is eternal life in Christ Jesus our Lord.”  The Bible says that if you ask God for forgiveness for the things you have done wrong He will forgive you!  You can believe that Jesus died on the cross and then rose from the grave to pay for your sins.  You can dedicate your life to living for Him. In the meantime, if you do these things you can know for sure that when your physical life is over, you will live forever with God in Heaven.  This does not mean that all of the sorrows of this world will automatically go away.  It does mean that you don’t have to do it alone!

 

If you have more questions about this, your chaplain would love to talk to you about it.  Reach out to him or her through the connect button on this app.

 

Romans 6:23 “For the wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.”.

Saul Went His Way Until He Found the Way

direction

SAUL WENT “his way” UNTIL HE FOUND “THE WAY!” (Acts 9:1-9)

In some ways I think Acts chapter 8 took a detour in our Acts narrative, because Acts 9 seems to pick up where Acts 7 left off. In Acts 7 we have the story of the stoning of Stephen. Just before Stephen was stoned he accused his audience of being “stiff-necked, and uncircumcised in heart and ears” and he told them, “you do always resist the Holy Spirit” in the same manner as their forefathers did. He accused them of high treason against God Almighty by crucifying The Lord of Glory, and tells them they had rejected the very law they claimed to uphold. This was all they could take, and for that they stoned Stephen to death. I wouldn’t even mention this story again if it were not for the statement made in verse 58.

Acts 7:58 (AMP) Then they dragged him out of the city and began to stone him, and the witnesses placed their garments at the feet of a young man named Saul. [Ac 22:20.]

This “young man named Saul” is the same Saul we now read about in Acts 9:1-9. This is the famous conversion story of the man most people know as the apostle Paul. Though Saul is his Hebrew name, and Paul is his Roman name, I think most will associate the name Saul as his years before Christ, and Paul with his years since coming to know Christ.

It is interesting too that when we think of the name Saul, were are usually thinking of someone big, and mighty and powerful, because the first famous Saul of the bible was all these things. The word Paul on the other hand means “little, small, or humble.” This sort of tells the story of the one most of us know as Paul. He was a big man in the religion of the Pharisees as he would testify quite well in Philippians 3:1-11. As Paul lists his credentials in Philippians 3 in his pre-conversion days he says he counted all those things “but dung” in order to know Christ. His “bigness” kept him from getting to know God in a real and personal way. When Paul came to know Christ he was humbled and became small.

In the passage I selected for today’s reading big Saul met his match when He encountered the Lord of Glory. Jesus spoke to Him out of heaven, and said to him, “Saul, Saul, why persecutest thou ME!” (Acts 9:4) making it quite clear that any time the church is being persecuted it is a direct assault against Jesus since the church is “his body” (Eph 1:22-23) and He is the Head of that mystical body (Col 1:18). When anyone messes with the body, the head gets insulted and takes personal offense to it.

Since Jesus is God He could have disposed of Saul right then and there, and would have had good reason to do so too. Jesus had a much better idea than conquering his enemy this way. Jesus conquered this enemy by making the one who was going “his way” to come over to God’s side, which was THE WAY, as the text so aptly says.

Acts 9:1-3 (ESV) But Saul, still breathing threats and murder against the disciples of the Lord, went to the high priest [2] and asked him for letters to the synagogues at Damascus, so that if he found any belonging to the Way, men or women, he might bring them bound to Jerusalem. [3] Now as he went on his way, he approached Damascus, and suddenly a light from heaven flashed around him. [4] And falling to the ground he heard a voice saying to him, “Saul, Saul, why are you persecuting me?”

Perhaps you too have been conquered by Christ in a manner like the apostle Paul and now you are the Lord’s chosen vessel too, to bear his name to those who do not yet know Him. If so, you like Paul are on the winning team, for one day every knee will bow to Christ and every tongue will confess Him to be Lord. It is much better to bow to Him now as Savior and Lord, rather than bow to Him later as your Judge, just before you are sentenced to that everlasting abode for all those who have chosen to live life here without Christ (2 Thess 1:7-10).

 

 

Acts 7:58 (AMP) Then they dragged him out of the city and began to stone him, and the witnesses placed their garments at the feet of a young man named Saul. [Ac 22:20.]

 

Tough Question – I Can’t Believe in Miracles

miracles

“I am finding it difficult to believe all the miracles in the Bible.” [my friend Bill]

Bill (not his real name) spoke honestly and revealed to me over lunch that as he reads the Bible he is finding it difficult to believe some of the miracles he is reading about. I responded by asking him, “Do you mean things like the whale that swallowed Jonah, and Noah and the story of the Ark, with all the animals on board?” He said, “Yes, that is exactly what I am talking about!”

 

When I asked Bill if there are any miracles that he didn’t have any problem believing, he said, “Oh yeah, I believe the story of Jesus and how Jesus died, was buried and rose again. I believe Jesus died for my sins and that he has forgiven me.”

 

“That’s great, Bill. Do you believe the first miracle in the Bible? The miracle of God creating all the plants, the animals and sun, moon and stars and finally Adam and Eve?”

 

“Yes, I believe that too,” he affirmed.

 

A crucial truth that I presented to Bill was that if we don’t believe the Genesis account of creation, or stories about Noah and the Ark, we will have problems later on believing what Jesus has to say. Why? Because Jesus talked about Noah, and clearly believed in the story of Noah. Jesus, in fact said that before He returns again, the conditions on earth would be much like they were in Noah’s day. If Jesus didn’t get it right about Noah, then how can we trust anything he says?

 

That made sense to Bill, and he is beginning to start taking God at His Word. That is called faith. Faith begins by “hearing the Word of God” (Romans 10:17) and faith grows as we continue to look to God for everything, instead of trying to “lean on our own understanding” or natural reasoning (Proverbs 3:5-6).

 

After Bill confirmed to me that he already believed two of the most important miracles of the Bible, I explained to him that if he believes the first miracle of the Bible–that a powerful God created everything, and the miracle of Jesus dying for our sins, and rising from the dead, then it is quite logical to believe God can do anything. Bill agreed, and once again, like he has been in the habit of doing lately, he goes on his way wearing that great big smile.

Maximizing Your Personal Income: Taking Your Income to the Next Level Through Personal Budgeting

Improving Quality of Life Through

Continuing Education and Personal Growth

 

 

 

During our time together today, you can expect to learn:

 

  • How to know how much is enough

 

  • How to be a good steward/manager of finances and establish priorities

 

  • How to get out of debt and stay out

 

  • How to “get rich” slowly

 

  • How to find money you never knew you had

 

 

If you could boil down all of your questions and concerns about finances into just one question, what would it be?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

A Few Thoughts On Money

 

  • Thriftiness is a wonderful thing. And who doesn’t wish his ancestors had practiced it more?

 

  • “If you wish to succeed in life, make perseverance your best friend, experience your wise counselor, caution your elder brother, and hope your guardian genius.” – Joseph Addison

 

  • A successful person is one who works hard his entire life to get rich, then spends the rest of his life sitting on the porch of a sanitarium watching the healthy poor go by.

 

  • How to retire with $1,000,000: hard work, strict attention to duty, absolute honesty, economical living…and the death of a rich relative who leaves you $1,000,000.

 

  • We should live and learn. But by the time we’ve learned, it’s usually too late to live.

 

  • Too often the cheerful giver is cheerful only because he’s gotten away with giving as little as possible.

 

  • “God has given us two hands – one to receive with and the other to give with. We are not cisterns made for hoarding, we are channels made for sharing. If we fail to fulfill this divine duty and privilege, we have missed the meaning of Christianity.” – Billy Graham

 

  • Sometimes it seems your current financial status is all based on liquid assets. In other words, your finances are all going down the drain.

 

  • I was always warned that someday I would squander my money recklessly, but I never thought it would be on gasoline, coffee, and postage stamps.

 

  • “Before you can score, you must first have a goal.” – Greek proverb

 

  • Live each day as if it were your last. Someday you will be right.

 

  • It’s tough to plan for the future when you are so busy working to fix the things that you did yesterday.

 

  • The average person’s goal is to be able to afford what he is spending.

 

  • “A generous man devises generous things, and by generosity he will stand.” – Isaiah 32:8

 

  • Money isn’t everything. You can have just as much fun with $900,000 as you can with a million.

 

  • “There is no magic in little plans.” – Henrietta Mears

 

  • I figured out a way to put off paying the bills. I filled out one of those change of address cards at the post office and then did not move.

 

  • Whatever you possess in the world will be found at the day of your death to belong to someone else, but what you are will be yours forever.

 

  • A credit card is what you use today to buy what you can’t afford tomorrow while you’re still paying for yesterday.

 

  • I’ve put all those little monthly payments into one large monthly payment that I still can’t meet.

 

  • A wise person will desire no more than he may get justly, use soberly, distribute cheerfully, and leave contentedly.

 

  • I can’t live on what I am earning. I can’t even live on what I am spending.

 

  • Money isn’t that important. After all, Henry Ford had millions and he never owned a Mercedes.

 

  • A dollar goes farther these days. You can carry it around for a week before you can find anything that you can buy with it.

 

  • It’s easy to meet expenses. Everywhere I go, there they are.

 

  • “Sixteen out of 38 of Christ’s parables deal with money; more is said in the New Testament about money than heaven and hell combined; five times more is said about money than prayer; and while there are 500 plus verses on both prayer and faith, there are over 2,000 verses dealing with money and possessions.” – John MacArthur, Jr.

 

 

 

 

 

 

 

 

 

 

 

Five Steps to Maximizing Your Personal Income

 

Step 1:  Understanding How Much Is Enough

 

  1. What is your personal net worth?

 

  1. How will people respond at your funeral?

 

  1. What goals do you wish to accomplish in life?

 

  1. How do your finances fit into these goals?

 

  1. How much do you REALLY need to survive?

 

 

Step 2:  Understanding How To Effectively Manage Your Financial Resources and Establish Financial Priorities

 

  • What is the purpose of money?

 

  • Why do you spend money the way you do?

 

  • What is financial intimacy?

 

  • What role does a budget play in your life?

 

  • What should your monthly budget look like?

 

 

Step 3:  How To Get Out Of Debt

 

  • Reduce living expenses

 

  • Reduce debt

 

  • Reduce taxes

 

  • Reduce investment losses

 

 

Step 4:  Getting Rich – But Doing It Slowly

 

  • Avoid debt

 

  • Consider opportunity cost

 

  • Compounding – The Rule of 72

 

  • Pitfalls to getting rich slowly

 

 

Step 5:  Discovering Money In New Ways

 

Buy used goods                                                    Rent items

 

Shop garage sales                                                  Comparison shop

 

Join a membership warehouse                              Pay cash

 

Wait                                                                       Use coupons

 

Stockpile anticipated needs                                    Negotiate

 

Set up a babysitting co-op                                     Pay promptly

 

Spend paper money only                                       Don’t always shop price

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Donnelly Communications

Personal Budgeting Worksheet

 

 

Please complete the following form prior to meeting with Lacy Peacock or Chris Hobgood on Tuesday, June 7 or Wednesday, June 8. It will help you get the most from your time with the corporate chaplain. Please see the example below.

 

Expense Total Amount Owed Minimum Payment Interest Rate
Chase Bank Visa 2377.48 64.00 22.9%
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       

 

 

 

 

 

 

 

 

 

 

 

 

Today we will be formulating a personal budget based on best practices. All financial decisions are the responsibility of the Donnelly Communications employee. Your chaplain is here with information, but will not be acting in the capacity of a financial advisor.

 

Below is an explanation of what each category includes:

  • Giving (10%) is any gifts to others in need. Studies show that giving helps you feel more hopeful, optimistic and empowered to face the struggles present in your own life.
  • Housing (25%) includes expenses related to your home, other than utilities. Rent, mortgage, insurance, taxes, HOA fees, maintenance, repairs, etc.
  • Utilities (7%) includes phone (land and cell lines), cable, satellite, water, electric, gas, sewer, internet, security system, etc.
  • Food (13%) includes items purchased at the grocery store for cooking at home. It does not include eating out at restaurants. That is included in the entertainment category.
  • Transportation (10%) includes any expenses related to transportation. Car payments, rental cars, Uber, Lyft, cabs, MARTA, car insurance, gas, maintenance and repairs, taxes, parking, tolls, etc.
  • Clothing (5%) includes buying clothing, laundry expenses, drying cleaning, tailoring and alterations, etc.
  • Medical (4%) includes health insurance premiums, copays, prescriptions, doctor visits, surgeries, physical therapy, over the counter medications, etc.
  • Personal (5%) includes cleaning supplies, toiletries, cosmetics, hygiene items, etc.
  • Recreation (6%) includes anything that you do for fun, including eating out in restaurants, movies, Netflix, Hulu, nightclubs, bars, concerts, etc.
  • Debt Elimination (5%) is money spent to pay off all debt, including student loans, personal loans, credit cards, pay day loans, title loans, pawns, etc.
  • Savings (10%) is money set aside for large purchases to avoid incurring credit card debt, major medical expenses, home repairs, car repairs, etc.

 

 

 

 

 

 

Expense Category

 

 

Percent of Income

 

Dollar Amount, Based on Monthly Income of $1,000

 

 

Giving

 

 

10%  __________

 

$100 __________

 

Housing

 

 

25% __________

 

$250 __________

 

Utilities

 

 

7% __________

 

$70 __________

 

Food

 

 

13% __________

 

$130 __________

 

Transportation

 

 

10% __________

 

$100 __________

 

Clothing

 

 

5% __________

 

$50 __________

 

Medical

 

 

4% __________

 

$40 __________

 

Personal

 

 

5% __________

 

$50 __________

 

Recreation

 

 

6% __________

 

$60 __________

 

Debt Elimination

 

 

5% __________

 

$50 __________

 

Savings

 

 

10% __________

 

$10 __________

 

TOTALS

 

 

100% __________

 

$1000 __________