You may say, “But I had this emergency!” Everybody has emergencies. Everybody gets laid off or has unexpected expenses. The difference between the people who make it through and those who don’t is how they planned for those emergencies. If you don’t expect them, of course you’re going to be devastated by them.

Have you ever made it to the end of the month and wondered, “Where did all my money go?” Ignorance of your financial condition plus easy credit equals disaster. You’ve heard that phrase “Money talks.” It does not. It just walks away quietly, and it doesn’t tell you where it’s going. So you have to keep good records so you know where your money is going.

Here are four things you need to keep good records of: what you own, what you owe, what you earn, and where it’s going. There are several ways to budget, and you need to figure out which one is best for you. You need to get online, get into your bank, get to your accountant’s office, get into your books — whatever it takes to get on track and understand your money so that it works for you and not against you.

Proverbs 23:5 says, “Your money can be gone in a flash, as if it had grown wings and flown away like an eagle” (GNT). That’s a pretty descriptive picture. If you don’t know where your money is going, it’s just going to fly away like an eagle.

Fortunately, the U.S. government is kind enough to remind us by putting an eagle on every dollar bill. So every time you look at that bill, let it be a reminder that it’s going to fly away unless you tell it where to go.