 Hebrews says, No discipline seems pleasant at the time, but painful. Later on, however, it produces a harvest of righteousness and peace for those who've been trained by it. If you record your spending for 30 days, you'll see where your money is going. Then you establish a written plan to help you spend less than you earn each and every month. Like the couple who wrote us, you too can make changes that allow you to give, save, and invest as God directs.