Exodus: Starting the Journey

The exodus has begun.

Yep, you heard that right.  This is the start of the journey which will take you to the land of Milk and Honey.

Exodus: Starting the JourneyIt’s going to take some hard work and discipline, but the prize at the end of the road is worth it.

This journey will take you on a path that leads to the personal finance promised land.

Before we embark, let’s take a moment to look around and see where we are now.

According to the 2012 National Financial Literacy Survey:

  • 39% of Americans have credit card debt.
  • 56% don’t have a budget.
  • 40% are saving less than last year.
  • 42% would give themselves a C, D, or F when it comes to their knowledge of personal finances.

The results are clear.  People need help with their money.  The average person is trapped in their failing finances.

For some reason, this really bothers me.

When someone tells me (or complains) about being in debt, my stomach gets upset.  When I see a friend or family member foolishly spending money they don’t have, my brain starts to hurt.

Unfortunately, these scenarios have somehow become the norm in today’s society.

The good news is, it does not have to be this way.

And so the journey begins.

Hi, Nice to Meet You

My name is Zach.  I’m married, a Christian, and in my late 20′s.

I’ve been a long time reader of personal finance blogs and today is the day when when I will start to give back.  I want to see Milk and Honey Money grow into a community of smarter people who are making the most of their financial situation.

My goal, is for Milk and Honey Money to become the ultimate resource for helping you fix and optimize your finances.

Most importantly, I want to show you how to manage your money biblically.

The Starting Point

To start, let’s look at a simple, yet very important equation.

Income – Expenses = Milk and Honey

Seriously.  It all comes down to 1) increasing your income and 2) decreasing your expenses.  What’s left over is your Milk and Honey.  This is yours to save, invest, or give.

This equation seems too easy.  Well, it seems easy because it is easy.  So why are so many people struggling?  Because it’s a lot easier to simply understand this principle than to actually apply it to your life.

The truth is, most people know they should be spending less money.  They know they should be saving for the future.  They know they should be giving to the poor and they certainly know they want to make more money!

But when it comes down to it, the average person is not doing these things.  They are spending too much, not saving or giving enough (if anything at all), and not maximizing their income potential.

This is why I’m starting Milk and Honey Money.

Join Me

If you would like to join me on this life changing journey, sign up to my newsletter.

To read more about me and Milk and Honey Money, including my background, principles, and what you can expect to see here in the future, read the about page.

Grow the Community

I would be very grateful if you would help grow the Milk and Honey Money community by sharing this post with a friend.  Click one of the handy share buttons at the bottom of the post for Twitter, Facebook, and Google+.

What do you think?  Why is it that most people know they should spend less than they earn, but they often end up with credit card debt and no savings?  Please leave a comment with your thoughts below.

(Photo by Wonker)


  1. Peter says:

    Welcome to the personal finance blogosphere! It’s always good to have another Christian personal finance blog out there, and Just from reading your first couple of posts I’m sure you’re going to do great. I look forward to reading more!

    • Zach says:

      Thanks Peter!

      I appreciate your encouragement the positive feedback from one of the top Christian PF bloggers out there :) I’ve been following your blog for a while now and I’m always looking forward to the next post.

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