Although I am new to this site, I am not new to personal finance, mortgage reduction nor debt reduction. As these make up my Passion.
In going from worst to best in making ends meet--and I make my 3-step process available for free by email at my email address--there are 3 powerful steps.
Step 1 10% of all you earn is either His, Yours, or Theirs. With Tithe, it is HIS. If not 10% HIS, then 10% can be Yours. If neither HIS nor Yours, it becomes Theirs.
Step 2 20% of your Income is either Yours or Theirs. With 20% Discretionary Income, it is Yours. With 20% Disposable Income, it is Theirs. Nevertheless, with 20% of your income, you can pay off your debt(s). For that reason, 20% of your Income is and has always been your Secret Weapon!
Step 3 70% Don't look now. But, 70% of your Income is Yours. And, 70% of your Income is the Ideal Standard of Living few people even know about.
We already know about the 10% Tithe. The 20% that I am talking about comes from "1/5 of the harvest" found in Genesis Chapter 41: Verses 34-36 and the Ideal 70% Standard of Living comes from 3 different people who wrote about personal finance. Now, I know 6 different ways to reach and maintain the Ideal 70% Standard of Living.
I know about the envelope system for managing money and I am glad that you are using it. And, I encourage all of your forum users to try it as well. My input comes from wanting to help your forum even more.
Readers: Tell me what you think, especially after having tried out the 10%, 20%, 70% process. In addition, if you want a free copy by email of the 6 ways to reach and maintain the Ideal 70% Standard of Living, just email me at bmw1.4@juno.com



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