做好預算

我是個心血來潮就買東西的人，後來我的原則是不去逛店，這樣我就不會隨便買東西。我的另一個毛病就是太容易被推銷的人說服，買不該買的東西。重要的原因是我從沒有做過預算。艾迪教給我對付電話來推銷的人就說：“我沒有預算。”可是我真的從沒有做過預算，結果犯了許多錯誤。

 

我的老的送花的車在買了9年之後開始出問題，我就和女兒跑到車行去看新車，沒花30分鍾就把新車開回來了，這是2007年2月。10月份我想我租的車快到期了，幹脆買一個新的吧，又跑去車行3小時把舊車換成新的了。08年花卉網的人來推銷電腦管理係統，我嫌他們追的麻煩，就答應了，其實剛換過得FTD的係統還沒付清。在沒有預算的情況下犯了很多大錯誤，等到年底金融危機，就大麻煩來了。好在神的恩典，都走過來了。

 

今後，教訓是凡是不該花的錢不要隨便花，不要聽任何人推銷的甜言蜜語。

 

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

箴言 21:5 殷勤籌劃的，足致豐裕；行事急躁的，都必缺乏。

做好預算

預算是一個簡單的計劃。它告訴你希望你的錢怎樣花，而不是過後想你的錢花到哪兒去了。今天，我們很多人的麻煩是不知道我們錢的去向，因為我們沒有一個預算。

但是，如果你想擺脫債務，你必須做好預算。你還記得梅伯裏的巴尼快富嗎？他常說，“掐死它，掐死它，把它扼殺在萌芽狀態。”我們要把不該花的消滅在預算之內。

注意到今天的經文說的嗎？“殷勤籌劃。”這意味著預算;預算僅僅是計劃支出。仔細規劃意味著你說，“這就是我們將要怎樣度過明年，下個月，”並且這樣做的話，聖經說：“足致豐裕。”這是上帝的承諾。

另一方麵，“行事急躁的，都必缺乏。”這是指廣告商，營銷商和零售商打電話要你衝動地購買。你知道什麽是衝動購買嗎？你有沒有曾經走進一家商店，你不打算買東西，但是你一衝動買了它。你從沒有想到要購買，這完全是心血來潮。你看到它，你喜歡它，你就買了它。

但是，如果你行動太快 - 衝動性購買，加上沒有預算，就等於金融危機。你有沒有沒有思考周全買過東西，後來又後悔呢？我們大多數人都是如此！這就是為什麽你得有一個計劃。

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.