How to Be Broke on Payday

so last week we found ourselves with negative dollars in the bank. we’ve come very close again and again lately, but this is the first time in the red, and something had to change. i’ve been planning and praying and thinking about how to avoid some of these $$$ problems in the future and here’s what i’ve come up with.

it all starts on payday. my usual is to be broke, and then super broke, and then go crazy on payday. i’ll usually eat out and light up the internet with some online shopping. but that’s all wrong, y’all! i already know it when i do it, but this time we implemented some strategy. i will do those things, if and only if, i make it through the first week just fine. we’ll entertain all that on week 2. more on that later. today i spend on just a few things.

1. the tithe. we aren’t in a church here yet, but God still has to get his part. i’ll just pray about it before payday and ask that he reveals a cause to me. something that i know is in his plan. sometimes it’s a church or a fundraiser or an adoption. this week it was our local christian radio station. i think God’s cool with it. if i don’t do this immediately on day 1, it gets spent. for a month now we have spent the tithe. it feels icky.

One gives freely, yet grows all the richer; another withholds what he should give, and only suffers want. Proverbs 11:24

Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the Lord of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need. Malachi 3:10

Honor the Lord with your wealth and with the firstfruits of all your produce; then your barns will be filled with plenty, and your vats will be bursting with wine. Proverbs 3:9

2. speaking of wine… there is one other thing i say it’s cool to spend on today. a $10 treat. i got a bottle of cheap wine and some nail polish. it satisfies the whole ‘i can’t buy anything or do anything fun’ thing, without blowing all your spending money in one day. don’t go out to eat! that’s $60 you’ll wish you had back next week. hold on to it for a bit and see if you still want to.


tomorrow’s broke topic: grandma wisdom.

and i won’t forget today’s Thankfuls.


32. Children’s HopeChest and World Vision. We have some sponsored kiddos through those organizations and they have been amazing. i am so thankful for trustworthy organizations like these. i was thinking of it today when we were talking about tithing. alot of times we’ll put our tithe towards our community in ethiopia. we still need a couple more sponsors. seriously! this little girl has no sponsor. what’s up with that?! my hubs said she’s the stinkin’ smiliest cutest thing ever. he said she’s bouncy.


33. a dryer!!! ok, line drying is charming and everything, but dryers are freakin’ awesome. do you know how many loads of laundry we’ve done in the last 24 hours?!


that’s all, folks. chime in with all your tips on graciously being broke. i’d love to hear them!


4 Comments on “How to Be Broke on Payday”

  1. Debbie says:

    Writing the first check out of the paycheck to God is what helps me too. Whenever I get off track with that the whole pay period goes crazy and I don’t make ends meet. Set it up as a automatic bank draft to my church on my paydays so that I am sure it is the “first fruits”.

  2. Lyn says:

    Do you pre-approve these ads? Just curious…

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