I took notes on a financial class at church. I found some notes and here they are.

– Leave a slush fund for clearance items in the store.
– Track what we spend. If we get close, we stop buying or switch from another budget.
– Put items as cash into envelopes.
– Add mad money you can do anything with it. Can collect it and buy a movie
– Discount cards for loyalty cards or use coupons.
– As you make the budget sign the bottom so you committee to it. If we make changes, we come back and we work the budget. Break it and it’s a form of financial infidelity.
– Br. Urdorf: Trust in God.
– Patience with a budget can mean later rewards. Delayed gratification.
– In the past early in marriage would take things back when they couldn’t afford it. And even now a child gets a gift and they ask you aren’t going to take this back.
– Let kids know your financial picture. Income and expenses.
– If kids get an allowance to help them put money aside tithing, savings, fun, etc.