Please feel free to download these free resources to help you get your finances on track!
Use the Freedom Steps, adapted from Dave Ramsey's Baby Steps, as a roadmap to begin getting control of your finances.
Use the Monthly Budgeting Form to create a monthly plan of income and expenses. It may take 3 months get the hang of budgeting... stick with it!
The Recommended Percentages form gives a general guideline for how much you should budget within each category.
The Debt Snowball is the best way to become debt-free! Start with your smallest debt, and see the snowball grow!
When you simply can't pay the minimums on all of your debt, use the Pro Rata Debt form to spread what you can pay to each of your debts.
The Sinking Fund is your best friend when it comes to estimating non-recurring expenses, like insurance, car maintenance, etc.
Don't buy your next home without completing the Real Estate Sinking Fund. This allows you to estimate the cost of your home above the mortgage.
When your income varies each month, the Irregular Income form will allow you to create a plan for how you use your income each month.
The Academy Outline gives a view of what is taught each week for House on the Rock Academy, a Bible-based class on finance.