Practical money management:
Do an assessment of your finances so you can find out where your money is going. Look for places where there might be waste.
We all have places in our money where we can tighten up.
1. Do a spreadsheet, put down all your monthly expenses.
2. Include tithe and savings.
3. See what you have left over.
If you’re serious about getting out of debt and putting money away, you will look for the fragments as Jesus referred to in John 6:12-13,
“Now  go back and gather up the pieces left over so that nothing will be wasted .”