Budget with a Why: Start your Journey

Take the first step

Good work creating your budget! You’ve got your budget showing what’s important to you — that’s your money map that guides your spending, saving, and giving decisions. Now, it’s time to take the first step on your journey. What’s one thing you can do today that’s in line with your priorities?

We asked Karisa, and here’s the one thing she’s going to do:

“I could actually go make a payment on my car! I have some money already set aside for debt that I haven’t actually done anything with. So what I can do today is take the money and make a pretty significant payment on my car loan.”

And how she feels about it:

“It’s really scary. What if I need this money for something else? And I hate seeing my bank account look that small. Especially because I’m valuing security, and it looks like I have less of that. But I feel like I’m taking care of my future self so much more. I think I’ll feel relieved after I make this payment.”

Okay, now your turn! What’s one step you can take today to start your journey? Doing something today is important — it helps you experience success and gain momentum toward your goals.

  1. Look at your budget — that’s your money map.
  2. Imagine one thing you can do today that’s in line with your budget priorities. It could be a spending, saving, or giving choice.
  3. Do it. Now!

Share your first step. Comment below!

See the entire Budget with a Why series to create a budget that works! Or, navigate below to check out other steps in the process.

Step 1: Look in the Mirror

Step 2: Reflect

Step 3: Meet Your Money Map

Step 4: Plan Your Route

Step 5: Start Your Journey


  1. In our Goodbudget, we have an envelope for generosity. When we got married, we decided to put aside money to give toward a cause (or causes) that we believe in. We’ve been setting aside the money, but it’s all just sitting there in that envelope because we never decided what/who we wanted to give to. This week, I’ll sit down with my husband and together we’ll decide what we want to do with the money.

    It’s easy to think, “Wow, this is a significant amount and can go toward our next house project,” or “This is *too* much to donate,” but I think it’s good practice to give back, to reflect on and be grateful for what we already have, and try to help someone else out.

    • That just made my day! It’s better to give than receive for when we give, we receive.

  2. All my monthly and yearly expenses are fully allocated which also include tithes/offering and savings. I’ve been wanting to focus on getting dental work done last year so that is what I’m using Savings for right now because budgeting has made it possible. I’m sure I will be pleased with the results and feel good that I have the Savings to do so. It’s good to keep track and keep everything in balance. So far, so good.

  3. you are nuts use the monies for the good of yourself and husband.. but don’t waste it use it for the good of your twosome. god helps those who help themselves,

    • Actually that’s the opposite of what God does. Goes helps those who help others.

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