Day 3: Identifying Spending Patterns

Understanding your spending habits is key to making informed financial decisions.

Scripture Reflection: Proverbs 27:23: “Be sure you know the condition of your flocks, give careful attention to your herds.“

Spending Analysis:

• Review your expenses from the past month.
• Identify patterns or habits that don’t align with your financial goals or values.

Prayer: “Father, reveal any areas where I am not being a good steward of Your resources. Help me to make changes that honor You. Amen.”

Reflection Journal: Reflect on what your spending habits reveal about your priorities.

Action Step: Identify one spending habit to change or improve.