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Savings Day – Never 100 Rule

Ready to save money this new year? 

My friend, Bob Lotich, has a rule that will help you save money and avoid debt. He calls it the Never 100 Rule. No matter how wild your income may fluctuate, the goal is to never spend 100% of what you earn each month. Unfortunately, many Americans spend more than what they make. Easy credit and the assumption that “well the sun will come out tomorrow” lulls many into debt. When expenses mount, they borrow more expecting things to just work out. That mentality can lead to a financial crisis. If this kind of thinking sounds all too familiar then do what Bob recommends. Implement his Never 100 Rule by simply tracking where your money goes.

Start by recording where you spend money. You can write it down. Or use an app like Personal Capital – that’s Bob’s favorite at the moment. After entering a few months of transactions, the app will categorize your purchases. Bob says that regular performance will helps you improve at a faster rate. If you see that too many dollars are going to Starbucks, Target, or Amazon, then guard yourself from the temptation. Remember, the goal is to abide by the Never 100 Rule. You’ll be able to save like never before, give with more joy, and pay down your debt! As King Solomon said: a“Know well the condition of your flocks, and give attention to your herds, for riches do not last forever…” said (Proverbs 27:23-27) So track your spending, increase your saving, and never spend 100%. 

And if you’re struggling with credit card debt and want a fresh start this year, I recommend Christian Credit Counselors. They’ll create a debt management plan specifically for you. For more information call the Crown Helpline: 800-722-1976 or visit online at