A cardinal rule in budgeting and saving is to pay yourself first. Once your paycheck hits your account, wisdom has it that you should move some amount to savings even before you pay the bills.

Husbands, recognize your wife's intelligence and her ability to counsel with you as a real partner regarding family plans, family activities, and family budgeting. Don't be stingy with your time or with your means. Give her the opportunity to grow intellectually, emotionally, and socially as well as spiritually.

I think we have to notice that the business processes we use right now for thinking and planning and budgeting and strategy are all delivered on very tight agendas.

My parents started with very little and were the only ones in their families to graduate from college. As parents they focused on education but did not stop at academics - they made sure that we knew music saw art and theatre and traveled - even though it meant budgeting like crazy.