Joe Franklin

Best financial advice: Spend less than you make.

Happy Birthday to me - Celebrate the small wins, celebrate the big wins. Faithful stewardship leads to abundance. (Matthew 25:21) Just posted 30 days in a row. thanks for joining me.

Reflect on progress: Adjust your budget based on the month's tracking. - they used to say "watch the pennies and the dollars will take care of themselves." in 2026 watch the nickels and the dollars will take care of themselves.

Save for a fun goal, like a vacation. Balance frugality with enjoyment—life isn't all austerity. - you have to have fun with your money too other wise you'll lose sight of why you are really working hard.

Teach a family member a money tip. Sharing knowledge multiplies wisdom (Proverbs). - when you can teach something you really know it.

Reassess investments: Diversify wisely. A Random Walk Down Wall Street warns against chasing trends - Daily money chats.

Set a "no-spend" day. Challenge yourself to spend nothing extra, building discipline. - Discipline is hard for the time but so rewarding over time. Try it out. #dohard

Declutter and sell unused items. Turn clutter into cash—simplify to focus on true wealth. - Facebook market place is wild some times but also amazing. #newmoneymindset

Learn about compound interest: Start investing early. Einstein called it the eighth wonder.

Pay extra on high-interest debt. Avoid slavery to lenders (Prof 22:7) - Day 23 of 30 money advice.

Practice gratitude: List three things you're thankful for financially. Contentment curbs overspending (1 Timothy 6:6-8) - Day 22 of 30 money stuff.

The rich understand this Compare bank accounts for higher interest. Switch if needed—money should work for you. - Day 21 of 30.

Update your will or estate plan. Stewardship includes preparing for the future responsibly. - planning for the unknown and future can be fear based but fear when processed leads to wisdom. Do it from Wisdom. (Day 20 of 30 money advice)

Work hard today: Reward comes from effort (Proverbs 14:23). Use extra time for skill-building. - Hard work is not a four letter word (Day 19 of 30 money advice)

Meal plan for the week to reduce food waste and costs. Practical budgeting starts in daily habits. - Day 18 of 30 (eating at home can be tough but so worth it.)

Seek financial counsel: Talk to a trusted advisor or read Proverbs for wisdom on seeking godly input - Money Advice day 17 of 30

30 days of money tips day 16 - Cut one unnecessary subscription. Live below your means to build wealth, per The Millionaire Next Door.

30 days of money tips day 15 - Invest in low-cost index funds for long-term growth. Benjamin Graham's The Intelligent Investor advocates value and patience

Your inputs determine your outputs. - @taylorawelch

Our attitude towards money reveals our attitude towards God! - Norman Robertson