If family finance wasn't already bad enough, Covid hit, and now we have discovered that many people find themselves in a state of financial despair. Lost jobs, rising prices, strange income situations - they have all taken their toll. Our family is not wealthy by any means. We live on the salary of one engineer. But I have found that the following principles have contributed to peace about our family finances: Give first. We have followed this principle throughout our married life. We give before we do anything else with our paycheck. We have chosen to donate to our church and also give money to humanitarian aid and other worthwhile Save for the future. Saving 10% is a good rule of thumb. Again, the savings comes out before we do other things. We have been saving like this for years. Now, as our children are going off to college we aren't stressed. We saved money for these expenses a long time ago. Budget. For years I did not budget well (the only thing that save