You already know you should spend less than you make. Knowing it has not paid off the credit card, ended the argument you keep having, or changed how the end of the month feels. Money trouble is rarely an information problem.
Heart and Treasure is an eight week financial discipleship program for churches, working on the heart and the numbers together, with the Bible as the map.
The two tools below are free, and you do not have to be in the program to use them.
The destination is not a better budget, and it is not even generosity. It is knowing God more nearly. Generosity turns out to be what grows on the way.
On your own
The Money Mirror
Six Money Hearts and four Financial Tracks. The Heart is the posture underneath your behavior, which is to say not what you do with money but why. The Track is where you stand today, named plainly, with the one next thing in front of you.
About 12 minutes · 41 short questions
If you are married
The Couples Mirror
Two people can share a bank account and live in different financial worlds. You each take the Money Mirror separately under one shared code, and the two readings become one. A way of seeing what it is like to be married to the heart across the table from you.
About 12 minutes each · Taken separately
Before you begin