做好预算

我是个心血来潮就买东西的人，后来我的原则是不去逛店，这样我就不会随便买东西。我的另一个毛病就是太容易被推销的人说服，买不该买的东西。重要的原因是我从没有做过预算。艾迪教给我对付电话来推销的人就说：“我没有预算。”可是我真的从没有做过预算，结果犯了许多错误。

 

我的老的送花的车在买了9年之后开始出问题，我就和女儿跑到车行去看新车，没花30分钟就把新车开回来了，这是2007年2月。10月份我想我租的车快到期了，干脆买一个新的吧，又跑去车行3小时把旧车换成新的了。08年花卉网的人来推销电脑管理系统，我嫌他们追的麻烦，就答应了，其实刚换过得FTD的系统还没付清。在没有预算的情况下犯了很多大错误，等到年底金融危机，就大麻烦来了。好在神的恩典，都走过来了。

 

今后，教训是凡是不该花的钱不要随便花，不要听任何人推销的甜言蜜语。

 

Rick Warren's Daily Devotional
http://zh-cn.youversion.com/reading-plans/rick-warrens-daily-devotional/29

箴言 21:5 殷勤筹划的，足致丰裕；行事急躁的，都必缺乏。

做好预算

预算是一个简单的计划。它告诉你希望你的钱怎样花，而不是过后想你的钱花到哪儿去了。今天，我们很多人的麻烦是不知道我们钱的去向，因为我们没有一个预算。

但是，如果你想摆脱债务，你必须做好预算。你还记得梅伯里的巴尼快富吗？他常说，“掐死它，掐死它，把它扼杀在萌芽状态。”我们要把不该花的消灭在预算之内。

注意到今天的经文说的吗？“殷勤筹划。”这意味着预算;预算仅仅是计划支出。仔细规划意味着你说，“这就是我们将要怎样度过明年，下个月，”并且这样做的话，圣经说：“足致丰裕。”这是上帝的承诺。

另一方面，“行事急躁的，都必缺乏。”这是指广告商，营销商和零售商打电话要你冲动地购买。你知道什么是冲动购买吗？你有没有曾经走进一家商店，你不打算买东西，但是你一冲动买了它。你从没有想到要购买，这完全是心血来潮。你看到它，你喜欢它，你就买了它。

但是，如果你行动太快 - 冲动性购买，加上没有预算，就等于金融危机。你有没有没有思考周全买过东西，后来又后悔呢？我们大多数人都是如此！这就是为什么你得有一个计划。

Nip It in the Budget

A budget is simply a plan. It's telling your money where you want it to go, rather than wondering where it went. And the problem many of us have today is that we don't know where our money is going because we don't have a budget.

But, if you want to get out of debt, you have to nip it in the budget. Do you remember Barney Fife, from Mayberry? He used to say, "Nip it, nip it, nip it in the bud." We need to nip it in the budget.

Notice today's verse says, "Plan carefully." That means budgeting; a budget is simply planned spending. Planning carefully means you say, "This is what we're going to spend next year, next month," and by doing that, the Bible says, "You will have plenty." It's a promise of God.

On the other hand, "If you act too quickly you will never have enough." This refers to what advertisers and marketers and retailers call impulse buying. You know what impulse buying is? Have you ever gone into a store and you didn't plan to buy something, but you bought it on an impulse. You didn't think about the purchase; it was totally emotionally-based. You saw it, you wanted it, you bought it.

And if you act too quickly -- impulse buying, plus no budget, equals financial disaster. Have you ever bought something without thinking and later regretted it? Most of us have! And that's why you've got to have a plan.