Dollars and Cents

Go to the ant, you sluggard! Consider her ways and be wise, Which, having no captain, Overseer or ruler, Provides her supplies in the summer, And gathers her food in the harvest.
Proverbs 6:6-8 (NKJV)

Learning to live on less

A wise person understands two rules:
  1. Never borrow more than you can afford to repay.
  2. Never loan what you cannot afford to give away.

Money Saving Tips

Before you make any decisions, take time to pray. This is the first and most important step. The owner wants to direct your spending so it brings glory and honor to him and blessings for you.


One of the key problems to money management is the lack of planning and/or planning in haste. Use the T.W.A. approach to planning your spending.

Are you in debt? SIA can help.

Complete the 30-Day Spending Assessment form (link is below) and call us on (231)728-5490. We can help you set up a budget with a plan to become debt free. This biblical approach is free to those who desire to live as God has designed.

Completing the 30-Day Spending Assessment Form -- The First Step to Budgeting

Begin by determining your annual/monthly expenses and actual debt. Use our worksheet (link below) or a notebook to record your actual expenses for 30 days. Make sure to include the purpose for each amount, as this will be helpful when categorizing your expenditures. Try to account for all expenses. Accurate data will yield a better budget. Once you have a one month record of your spending, call us.
30-Day Spending Assessment form

Why Budget?

Budgeting is the means by which financial goals and objectives are met. Budgeting varies from family to family based on the objectives and/or goals desired. The limits set will also vary. The determination of an emergency will vary depending on the ability of the family to maintain and repair broken items. Looking at the future projections, many Americans will experience financial hardships because they have little to no savings. According to the US Census Bureau, half of all Americans have only $2,000 anywhere. We are called to be good stewards even in times like these.