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.

“One of these days” is none of these days. You don’t wait for things to get better; you start planting now. Why? Because the sooner you plant, the longer you’re going to enjoy the harvest in your life.

But the harvest is not always going to come in your time. There’s always a delay between sowing and reaping. You plant in one season, and you harvest in another.

You have to be patient and not give up!

This is one of the principles that the Kingdom of God operates on. In Mark 4:26-28, Jesus says, “This is what the kingdom of God is like. A man scatters seed on the ground. Night and day, whether he sleeps or gets up, the seed spouts and grows, though he does not know how. All by itself the soil produces grain — first the stalk, then the head, then the full kernel in the head” (NIV).

The results will come, but they will come slowly and as part of a process. And because it takes time, “Let us not become tired of doing good; for if we do not give up, the time will come when we will reap the harvest” (Galatians 6:9 GNT).

Choose to forget about last year’s crop failure. Instead, start focusing on the long-term harvest in your life. You didn’t get the way you are financially overnight. You took years to mess things up, and it’s going to take a while to put things back together. There is a time of delay between sowing and reaping.

The Bible says in Psalm 126:5-6, “Those who plant in tears will harvest with shouts of joy. They weep as they go to plant their seed, but they sing as they return with the harvest” (NLT).

What need have you been grieving over? Maybe you’ve lost your job. Maybe you’ve lost your health. Maybe you’ve lost a loved one. Maybe you’ve lost your savings. Maybe you’ve lost half of your retirement in the last few years. Maybe you’ve lost your dream.

Mourning is okay; moaning is not. Instead of moaning, you need to plant a seed, because whatever you need more of, you need to give away.

Today is the day to plant the seed.