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It’s not exactly a new word to me. But I’m pretty sure I’d never actually used the word predetermine in a sentence until just a few weeks ago when my pastor referred to it—and in a way that turned on a bright light in my noggin.

To predetermine is to make a decision in advance.  That describes perfectly what it means to budget. You get your paycheck and before you do anything with it, you predetermine where every dollar will go. You give each dollar a job to do—in advance. You predetermine!

Here we are on the cusp of one more glorious, fabulous, exciting and joyful Holiday Season. How can we do this without going into debt? Predetermine. That’s it! Decide or establish in advance what we will do, how much we will spend; where you will go, what you will do. Yes, I know that sounds very much like a Spending Plan and it is. The way to get to a Spending Plan is to—you guessed it!—predetermineRead more