Create a Comprehensive Plan


In the final lesson of this ten-part series taken from their book, “He Said It! I Did It!” Charles W. Buffington Jr. and his son, Charles W. Buffington III, provide guidance for creating a comprehensive financial plan. Their prayer is that God will bless you as you embark on this journey that embraces good stewardship and accountability in your personal life.

Review of Important Steps

  1. Find peace through prayer and seeking God’s wisdom before you start the important task of putting together a financial plan for yourself and your family.
  2. Know where you stand. You cannot make goals without understanding where you stand today.
  3. Dream. Think broadly about the possibilities, and make those goals real to you and your family.
  4. Know where you want to go. That is half the battle. When you know where you want to go, you will be resourceful in finding a way to get there.
  5. Budget. Determine a realistic budget. Continue to craft your budget to reduce expenses and increase investment in appreciating assets.
  6. Focus on increasing your financial scorecard. Aggressively reduce debt and increase investments.
  7. Be trustworthy. Your credit is a reflection of who you are.
  8. Maximize your investments. There is free money out there to be had. Make sure you take advantage of it.
  9. Find multiple streams of income. These streams are all around you. You just need to open your eyes to them.
  10. Consistently check your map. This constant check will keep you on course and lead you to places of your dreams.

Continuing the Lesson

The virtuous woman in Proverbs 31 is a fitting end to this study. The passage illustrates the comprehensive nature of godly financial management and planning. Here, we have a family earning and using wealth wisely. They are assets to their community and examples for all of us. Study this Scripture and outline how you will align your plan with the principles of this book.

Proverbs 31:10-31: A wife of noble character who can find? She is worth far more than rubies. Her husband has full confidence in her and lacks nothing of value. She brings him good, not harm, all the days of her life. She selects wool and flax and works with eager hands. She is like the merchant ships, bringing her food from afar. She gets up while it is still night; she provides food for her family and portions for her female servants. She considers a field and buys it; out of her earnings she plants a vineyard. She sets about her work vigorously; her arms are strong for her tasks. She sees that her trading is profitable, and her lamp does not go out at night. In her hand she holds the distaff and grasps the spindle with her fingers. She opens her arms to the poor and extends her hands to the needy. When it snows, she has no fear for her household; for all of them are clothed in scarlet. She makes coverings for her bed; she is clothed in fine linen and purple. Her husband is respected at the city gate, where he takes his seat among the elders of the land. She makes linen garments and sells them, and supplies the merchants with sashes. She is clothed with strength and dignity; she can laugh at the days to come. She speaks with wisdom, and faithful instruction is on her tongue. She watches over the affairs of her household and does not eat the bread of idleness. Her children arise and call her blessed; her husband also, and he praises her: “Many women do noble things, but you surpass them all.” Charm is deceptive, and beauty is fleeting; but a woman who fears the Lord is to be praised. Honor her for all that her hands have done, and let her works bring her praise at the city gate.