Are you budget percentages out-of-whack? Do your expenses look something like this:
When in fact they should look like this:
|Tithe & Charitable Gifts||10-15%|
If you’re percentages are out-of-whack, then you need to start adjusting them. If you cannot make your budget balance, then you either need to increase your income or decrease your expenses.
Balancing a budget means ending with zero after you subtract your expenses from your income. If you end up with a positive number, then you can use this extra money to pay down your debt faster or to increase your emergency savings. Conversely, if you end up with a negative number, then you need to decrease your expenses or increase your income. There simply is on other way to balance a budget.