Click to -  Help this Ministry when you purchase... 

Making a Budget

Making a Budget

is the beginning step to eliminating debt.


This is Page One

in our Financial Freedom section.

We hope that you will like this page and want to

continue by visiting our other financial resource pages.

Page Two is Debt Free Living!


We here at Inspirational-Prayers

help people learn

how to live in financial freedom.


We provide strategies, tips, wisdom, and prayer

to help you become debt-free.



More Prayer

Financial Prayer

Prayer for Money


Making a Budget is a step each person or family needs to do

when they are beginning their journey to financial freedom.

~ ~ ~

Evaluating your spending and saving

is vital to eliminating debt.


A Budget is just

a plan for our income.

~ ~ ~

Here are some budget considerations to use

for making your own budget:

Add up your Debt:

Credit card

Mortgage (include any second mortgage)

Car or Vehicle (or vehicles)

Cash advance

Legal obligations

Student loans

Medical bills

Money owed to friends or family

Other loans

Other debt

Debt owed ______________________

Add up your Income:


Child support

Food stamps

Social Security payments

Retirement checks

Pension checks

Other income

Income per month _________________

Add up Monthly Expenses:


Lawn care (1/12th of the annual cost)


Food – Groceries, Toiletries, Household products, Pets, Eating out

Transportation – Public transportation, cab, car (Gas, Insurance, Tags)

Alimony or child support payments


Insurance (Health, Life, Home or Renters, etc.)

Work Supplies

Home Phone

Cell phone


Grooming - Hair cuts, etc.

Pocket Money


Child expenses (monthly and include 1/12 for annual items)

Tobacco and other habitual products

Holidays (1/12th for this annual item)

Birthdays (1/12th for this annual item)

Money/Tithing -  for offerings to God


Monthly expenses per month ____________

*We suggest that you have a goal of an emergency fund that you add to this plan.

*We suggest you have a goal of saving up three months of income and that you add this to your budget plan.

From the above Budget Sheet:

You can determine how much you need to cut in order to come out even each month. From there, you can ask the Lord to help you find ways to spend less, bring in more income, and save more.

We at Inspirational-Prayers want to help you with this journey to eliminate debt.

Making a Budget

Making a budget is a tool for controlling our spending.

Making a budget helps us manage our money wisely

Making a budget helps us reach our financial goals.

~ ~

A Debt Free Prayer for You.

This prayer is written for a man.

Women, I invite you to change it to apply to you.

Dear Lord,

You know all things, and you have all power.

Lord, it is your joy to help people get out of debt and stay out of debt.

It is your joy to see your children free from the burdens of debt.

Lord, whatever the reason for this debt, you are the answer.

Bring your encouragement and your comfort as this man looks to you to lead him out of debt and into freedom. Put motivation into his path to keep him steady. Let him hear you encourage him to choose self-control when temptation comes to buy things impulsively.

Lord, as we realize and receive more of your love, your love brings wholeness. I pray that you would bring wholeness to this man's mind, emotions, and finances.

Yes, Lord, bring your financial wholeness to this man, I pray.

Lord, give this man a vision for a life of debt-free living. Give him creative ideas for saving money and generating greater income. May he be determined to walk the walk and emerge from the darkness of debt into the warm light of financial freedom.

In Jesus' Name, I speak blessings over this man this day. I thank you that as he cooperates with you, he is going to grow closer to you and farther from debt.

I pray all these things in the mighty name of Jesus Christ.


Copyright © 2012 Beth McLendon of

Please continue with Page two called Debt Free Living!

Back to the top of Making a Budget

Enjoy this page? Please pay it forward. Here's how...

Would you prefer to share this page with others by linking to it?

  1. Click on the HTML link code below.
  2. Copy and paste it, adding a note of your own, into your blog, a Web page, forums, a blog comment, your Facebook account, or anywhere that someone would find this page valuable.

Info on New Pages

Beth's Blog

Christmas Party Prayers

Christmas Pets and Prayer

Daily Inspiration - Hidden treasures in the Christmas story

- - 

Prayer for Loneliness

- -

Newest Page:

Prayer when something is wrong with a loved one

- - 


Scripture Prayers for Grandchildren

- - 

Understanding Hanukkah

- - 


Who I am in Christ

- - 


Heavenly Father's Love Letter to YOU

- -  - - 

Bible Devotions
Making Life Better Articles

Explaining How to get to Heaven

Victory, Power Prayer


All our Addiction pages

Opposites attract and then...

Teach your teens and older children these facts so they want to be porn-free




for Jesus

Our November newsletter went out
November 14.


Sign up below for

which is called

The Inspirational Life

Enter Your E-mail Address
Enter Your First Name (optional)

Don't worry — your e-mail address is totally secure.
I promise to use it only to send you The Inspirational Life.

Help for HOW to Forgive

an audio presentation

- - 

Understanding the Trinity

- -

Questions of Life

- -

Daily Inspiration: Worship & Prayer


Secrets for Husbands

- - 

Prayer for Men

- -

Life-changing prayer for fathers

- - 

Prayer for Women

- -

Links to All our Full Armor of God Prayers




Songs for Children for church and home

Prayer for my Adult Daughter

- -

Prayers for my Adult Son

- -

Updated Page:

How to Create a Great Relationship with yourself

- - 


MUSIC for adults

- -

DISC Personality Styles

- -

Links to all our pages on the Psalms



We invite you to continue with
Page two of our financial section called:

Debt Free Living