Right On The Money: Resources
At The Heritage Co., we believe God wants you to win with money—not just survive, but thrive. That’s why during our new series, Right on the Money, we’re helping our church family align our finances with biblical wisdom and practical tools.
We’re walking through timeless principles from God’s Word—like stewardship, generosity, and contentment—and pairing them with trusted financial resources from Dave Ramsey’s Baby Steps.
🎥 If you haven’t yet watched the video that introduces the Baby Steps, start here:
👉 Dave Ramsey’s 7 Baby Steps Toward Financial Freedom (YouTube)
These steps are a proven roadmap to financial peace—whether you’re trying to get out of debt, build savings, or prepare for the future.
🧾 Step 1: Quick-Start Budget Form
Download: Quick-Start Budget Form (PDF)
This simple one-page guide helps you:
- List your income and expenses
- Plan your month before it begins
- Make every dollar count
📊 Step 2: Recommended Budget Percentages
Download: Recommended Budget Percentages (PDF)
This chart gives you a practical framework for how much to allocate toward things like:
- Giving: 10–15%
- Saving: 10–15%
- Housing: 25–35%
- Food: 5–15%
- Debt: 5–10%
…and more.
If your percentages are way off, this helps you adjust and get back into balance. It’s a clear picture of what healthy stewardship looks like in everyday life.
🧮 Step 3: Debt Snowball Form
Download: Debt Snowball Form (PDF)
If you have multiple debts, this is your game plan for getting out for good.
List your debts from smallest to largest and focus on knocking out one at a time—building momentum and confidence as you go.
This strategy isn’t just math; it’s motivation. Every win gives you the momentum to take the next step toward freedom.
🪜 Step 4: Follow the Baby Steps
Each of these tools connects to a specific step in the Dave Ramsey Baby Steps:
1️⃣ Save $1,000 for a starter emergency fund
2️⃣ Pay off all debt (except your home) using the debt snowball
3️⃣ Save 3–6 months of expenses
4️⃣ Invest 15% of your income
5️⃣ Save for kids’ college
6️⃣ Pay off your home early
7️⃣ Build wealth and give generously
These steps align beautifully with what God’s Word teaches: stewardship, discipline, and generosity lead to freedom and blessing.
🏁 Our Goal
We don’t want to just talk about money management—we want to help our church family experience financial peace.
Whether you’re single, married, young, or retired, these tools will help you on your journey to financial freedom.