Importance of Budgeting in a Home

Budget is a plan that helps balance your spendable income in your spending. It could be your monthly, quarterly or yearly income.


It is sad to note that most women don’t know that they are the administrator of the home, and a lot of responsibilities are on their shoulder. The husband is out there to make money and the wife is there also to support with whatever her income is. The day to day running of the home affairs, and to ensure that your income and that of your husband is enough to run the home, 90% of the responsibility is in your hands.


This article on budgeting in the home is timely, because most women have fallen into serious problem in their home and their marriages.the art of budgeting instils in you not to spend above your spendable income, remember, you are not expected to spend all your income on materialism. So budgeting determines how much you spend and on what you spend the money on.


The amount available for you to spend is called spendable income, so your monthly, quarterly or yearly budget should center on this simple pattern, e.g. If your monthly income is $30,000.00, your tax is $1,500, your tithe is $3,000, saving for the month is $1,500, debt repayment is $1,500, so your spendable income is $22,500, you are now expected to prepare your budget on $22,500 under the following categories, food, light bill, water bill, telephone bill, school fees, entertainment, fuel and car maintenance, gifts, holidaying, etc. Clothes, jewelries, shoes are not what you buy monthly.


As a virtuous woman, you know you cannot afford to live beyond your means. You should cut down the cost of your lifestyle, remember that theaim of budgeting is to guide you in your spending; so that there can be enough to run the home.
Aims of Budgeting


1. To ensure that your spending is not greater than your income.


2. To keep you away from debt.


3. To avoid establishing a lifestyle far beyond your ability to pay.


4. Your husband, just like the husband of the virtuous woman in Prov. 31:28 Her children arise up, and call her blessed; her husband also, and he praiseth her.: will be happy knowing that you the mother of the home is managing the family income well.


5. To prevent tension as a result of not being able to take care of the family needs. The bible said in 1 Timothy 5:8. But if any provide not for his own, and specially for those of his own house, he hath denied the faith, and is worse than an infidel.


Woman, I advice you to always spend wisely and teach your children to do the same. A waster can never fulfill purpose. God bless you.



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Avoid Financial Crisis in Your Home

As the administrator of your home, it is very important that you as a woman equip yourself with relevant financial management knowledge to guide against this crisis in your home.
As a woman of purpose, you are expected to posses all the qualities of a Virtuous woman as recorded in Pro. 31:10 -25 who can find a virtuous woman? For her price is far above rubies. The heart of her husband doth safely trust in her, so that he shall have no need of spoil… The price of a virtuous woman who can manage the finances of her home is far higher than any price you can name.

The word of God said in 1 Tim 6:10 for the love of money is the root of all evil….. I like to also let you know that the absent of money in the home can be the beginning of all evil, hence it is very important as a woman to know how to manage your finances to prevent lack in the home. To completely eliminate this crisis from your home there is need for Budgeting.

Lk. 14:28-29. For which of you, intending to build a tower, sitteth not down first, and counteth the cost, whether he has sufficient to finish it? Lest haply, after he hath laid the foundation, and is not able to finish it, all that behold it begin to mock him. As the woman of the home it is expected of you to always do a through budgeting before embarking on any spending adventure. Budgeting helps guide against unnecessary spending that may lead to lack of sufficient fund to run the home. Please take note of the following points:

There is need for proper budgeting. Pressure and materialism can makes women to spend far beyond what their spendable income can afford them. As a virtuous woman, you must sit down to determine how much you will spend from your monthly, quarterly or yearly income. Every money made by you and your husband is not just meant for spending, so don’t live above your income, if you do, crisis and debts are the end result. Budgeting is born out of the fact that our wants are insatiable, so, spend less than you earn.

Must have a savings mentality. This enables you to keep aside part of the income, and it also guides you against impulse buying. i.e. buying whatever comes your way. In most cases what you have being able to save from your income helps fight against financial crisis.

Investment. As a virtuous and purpose woman, you must understand what investment is all about. The period of investment is the time you allow your money to work for you. The profit from your investment has a big role to play as touching fighting against financial crisis in the home. What you have saved can be transferred into investment. You can invest in stocks, real estate, buying of properties, land etc.

No marriage can experience true love, peace and happiness if there is lack and want in the home and no husband will be happy seeing his wife not able to manage the finances of the home. Woman why not learn the secrets of that woman the bible talks about in Prov. 31:10-31 and make your home happy. God bless you.

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The benefits of closeness in marriage

When it comes to the issue of harmony in marriage, closeness between you and your husband can not be over emphasize. It is a vital ingredient that keeps marriage When couples are not united and work in love, it is very easy for them to experience what l call, communication breakdown, and when this occur there is bound to be problem in the home.
In order for you not to experience this problem of communication breakdown, l want you to pay attention to some vital truth about closeness in marriage. Gen 2:24 Therefore shall a man leave his father and his mother, and shall cleave unto his wife: and they shall be one flesh. As a wife, you cannot afford to distance yourself from your husband, remember the Bible said you are now one flesh.

For you to experience and maintain marital closeness with your husband, you the wife must first express your heart felt desire to be your husband’s best friend, then both of you must remain the best of friends. Every woman's desire to be told by her husband of his dream, his vision, plans for the family, and how things went in the office at the end of each day. A woman must cultivate a good listening ability whenever her husband needs her attention. A man will be happy to know that his wife is very close to him, this makes him to always want to be with the wife all the time, instead of being with friends outside the home.


THE BENEFITS

1. It helps you to build trust and confidence in each other. Trust is an essential ingredient in a blissful home. Closeness to your husband opens you up to his heart; he will find it difficult to tell you lie.

2. Free flow of communication builds up confidence in each other and this can only happens when you are very close to your husband. There is always no secret between you both.

3. Understanding of each other is greatly enhanced by the reason of closeness. It makes both of you to reason alike, and your opinion about things most of the time are the same.

4. It keeps off third party. If you do not trust your husband you can always believe whatever report anybody gives you about him. I am so close to my husband and l trust him so much that there is no negative report anyone will tell me about him that will bother me. If you are not close to him, third parties can always come to cause problem in your marriage.

As a woman of purpose, do not permit doubt into your home and marriage. When you start doubting your husband you are giving the enemy room to penetrate into your marriage to destroy it. So, closeness in marriage is a medicine that keeps intruders away from your home affairs. Woman as you read this article, if you know that this ingredient of closeness is missing in your marriage, please rush home now and put things in order. Let it start from you.

Remember your first date, how romantic it was; how you always long for his presence, you can make it happen again. If you are not close to him, you cannot know the area of his strength and weakness. It is a matter of choice, choose to be close to your husband and have a good marriage or choose not to be close and have a frustrating marriage, the choice is yours. I advice that you should be close to your husband and enjoy your marriage.

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