My Personal Vision of Budget


Through wisdom a house is built,

And by understanding it is established;

By knowledge the rooms are filled

With all precious and pleasant riches

Proverbs 24: 3-4



Hello my dear fellow Proverbs 31 women in Progress!

As we all know, the Proverbs 31 woman is an excellent money manager. As I want to grow in this area (like all of us, I suppose), I started to make some research and I stumbled upon many financial resources which contradict each other for the question of establishing a budget.

Of course, you have pros and cons and the arguments of both sides are legitimate. When you establish a budget, you have a clear picture of your financial resources and their use, and you’ll be more disciplined in the management of your finances (i.e. living within your means). However, establishing a budget can be felt as a constraint and a source of pressure by a lot of people.

So, what did I decide to do?

As a wannabe wise woman, I decided to adopt the line between both sides. I mean, I did not establish a real budget but I know that my finances should be managed by an allocation which allows me a balance between savings, giving, and spending.

I decided that starting in January 2017, my finances would be managed according to the allocation that I found in the book of T. Harv Eker called Secrets of the Millionaire Mind – great book, by the way:

  • 10% giving (tithes)
  • 10% long-term savings for spending (precautionary savings)
  • 10% on my Investment account
  • 10% for my recreational activities
  • 10% to further my education in every aspect, whether personal or professional
  • 50% for my necessities (bills,mortgage, food, clothes)

The beauty of this system is that you can adapt it to your own situation. For example, you may live in a country where you don’t have an investment account or if you can’t trust your banking system, you may save this 10% to buy a piece of land for instance.

Finally, I’ll leave you with a word of the Wise King Solomon:

Be diligent to know the state of your flocks,

And attend to your herds;

For riches are not forever,

Nor does a crown endure to all generations.

Proverbs 27: 23-24

What do you think about this money management system? Do you have one which works for you? Please share your point of view!


Stay blessed!


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  1. Selasi says:

    Excellent allocation plan. I have one that works perfectly for me and i don’t live above it because it keeps me in check and helps me manage my finances very well. I must say all the points raised above reflects in mine in addition to a 5% i give out as Charity to any humanitarian organization or neighbours in need.

    • angelce says:

      Oh yes giving to charities is an excellent way of sharing and prevents us from being selfish! Thanks for sharing your own experience with us!

    • Rags says:

      I love your post. I think your percentage allocation of finance applies to everyone. I read with interest your personal allocation of 50% for household expenditure and 10% each for 5 other areas of your life. The reason is because my family had to allocate around 80% for ours. Maybe its because I have a household of 5 people including 3 teenagers. But I’m still curious if that is normal or has my allocation been excessive. Wondering if you have any advice for us to relook into it. Thanks for your great post. Love your post and your website.

      • angelce says:

        Hello Rags,

        This asset allocation is a model and can be adapted to every situation. If you have teenagers at home, focus on your children but also don’t forget to invest for your future and retirement. Does your wife work ? If so, it means that you have 2 incomes to deal with and that you can discuss your budget together. Do you have debt ? Get rid of it. Do you focus on additional stuff for your kids ? Then try to eliminate it. Hope it helps

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