1.  When it comes to spending:

-we have an obligation to plan - Proverbs 21:5

-we have an obligation to meet our family’s needs - 1 Timothy 5:3-4,8; 2 Thessalonians 3:10-12

-we have an obligation to help believers in need -  Romans 12:13; 1 John 3:17,18

-we have an obligation to pay our debt - Psalms 37:21

-we have an obligation to pay taxes - Romans 13:1-2,5-7; Titus 3:1; Matthew 22:15-22

2.   Budgeting dos and don’ts

-a budget is simply a plan for what we will do with our money

-it should be simple to understand and administer

-it should include fixed and discretionary costs

-it should be personal to the individual or couple

-it should be the product of prayer, planning, and should be periodically evaluated

-we must keep good records