Monthly Budget Spreadsheet (in Microsoft Excel)   Download
Instructions: Click on the Download link and save the spreadsheet to your PC.
The spreadsheet has colored cells. (1) Green to enter Income, (2) Yellow to enter Expenses.
The Orange cells are subtotals and will calculate automatically.

Mortgages:
30 year vs. 15 year comparison when borrowing $100,000  Compare 30yr to 15yr
Using the example above, look at the additional equity after 5 years with the 15 year mortgage  Equity

Credit Cards:
Recent Statistics indicate:
1) Average family credit card debt is over $9,000
2) $745 billion owed on credit cards
3) 48% pay only minimum each month
4) only 34% of Americans pay credit cards off each month; you are encouraged to be among those 34%.
Also avoid these Credit Card Mistakes

Scripture:
The Bible has much to say about management of money and stewardship. Here are a few verses:

Matthew 6:24 "No one can serve two masters. Either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve both God and Money."

Proverbs 22:7 "The rich rule over the poor, and the borrower is servant to the lender."

2 Corinthians 9:6-8 "Remember this: Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously. Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. And God is able to make all grace abound to you, so that in all things at all times, having all that you need, you will abound in every good work."

Philippians 4:11-13 "I am not saying this because I am in need, for I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do everything through him who gives me strength."

Romans 13:6-8 "This is also why you pay taxes, for the authorities are God's servants, who give their full time to governing. Give everyone what you owe him: If you owe taxes, pay taxes; if revenue, then revenue; if respect, then respect; if honor, then honor. Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law."