BLOOMING IN FINANCE
Obedience, Discipline, & Discernment

This worksheet is designed to help you align your money with God’s purpose for your life. Use these percentages, strategies, and reflection prompts to build your financial bloom plan.

Personal Budget
(in Percentages)

● Home (rent/mortgage): 30%

● Car + Insurance: 10%

● Household (groceries, gas, utilities, phone): 15%

● Paying Off Debt (loans, credit cards, medical): 10%

● Luxuries (dining, upkeep, fun): 5%

● Childcare (or redirected to debt/nest egg): 10%

● Investing & Saving (tithing, IRA, retirement): 15%

● Nest Egg (business or rainy day): 5%

The Three Keys to Blooming in Finances

1. Obedience

● Live within the guardrails of a budget.

●Honor God with your tithe and with your stewardship.

●Avoid overspending and overindulgence.

📖 Malachi 3:10 – “Bring the whole tithe into the storehouse…”

2. Discipline

● Consistency in saving, investing, and staying on track.

● Every habit impacts your finances—good or bad.

● Small, steady contributions build long-term wealth.

💡 Example: $50/month grows to nearly $20,000 in a savings account or almost

$40,000 in the S&P 500 over 20 years.

📖 Proverbs 21:5 – “The plans of the diligent lead surely to abundance…”

3. Discernment

● Know when to invest, when to pause, when to pivot.

● Don’t overspend on indulgences—redirect to retirement, 529 plans, or business growth.

● If your business hasn’t produced after 3+ years of full effort, seek God for whether it’s

time to pivot.

📖 Proverbs 19:21 – “Many are the plans in a person’s heart, but it is the Lords’s purpose that prevails.”

Three Bloom Goals

1. Save with Intention – Build your nest egg and emergency fund.

2. Invest with Vision – Tithe, contribute to retirement, and grow your future.

3. Bloom with Boldness – Step out of survival mode and embrace abundance without guilt.

Reflection Prompts

● What is my WHY for financial freedom?●

● Which category am I overspending in?

● Which category am I under-investing in?

● Where do I need more obedience, discipline, or discernment ?

● What will I commit to shifting this month?

My Top Financial Goal (Next 12 Months)

Write your specific financial goal below and commit it to God in prayer:

______________________________________________________________________________________________________________________________________________________

📖 Matthew 18:20–“For where two or three gather in my name, there am I with them.”