Finding a balance in managing time in our lives is often a daunting task.

• Earning a living requires a good number of hours in our day, including a commute for some.
• We should be getting about 7-9 hours of sleep
• We need to have quality time with our families.
• We have errands to run, bills to pay, and the pursuit of some form of exercise or sports.
• We would also like to enjoy some vacation time.

Sometimes it can feel overwhelming trying to "squeeze it all in".

In This Episode We Look At:

Identifying three time frames to plan for: past, present, and future.

Having an understanding of these time frames allows you to strike a financial balance.

Without a plan, many will find themselves out of balance.

A few biblical examples are:

The Prodigal Son–Luke 15 12:13

The Rich Fool–Luke 12:19-20

The Unjust Steward–Luke  16:2-5

We can and should strike a balance.

It is possible to pay down yesterday's debts, save for today's expenses, and invest for the future.

• Identify your disposable income (income minus expenses).
• Divide that sum across the two or three that apply to you.
• Faithfully contribute to each and increase contributions often (at least annually).

Today's Resources and Links:

Tim's Blog series on "Christians Conquering Credit"

One Thing You Can Do Today to Improve Your Faith and Finances:

Divide your financial efforts across two or three applicable time frames. Allocate dollars toward debt, today's savings, and tomorrow's investments.

What Are Your Thoughts?

If you have a question or comment about today's topic, we invite you to share your thoughts.