How to Create a Simple Budget

Let me just say that I’m the LAST person to call myself an expert lol. But I’ve realized in talking to different people that some people just do NOT know how to create a budget! So I’m sharing this video I recently posted to YouTube on how to create a simple budget. Creating this budget is just the first step in managing your money, but it’s the most crucial as it sets the foundation. Part 2 “How to Cut Expenses” will be coming soon.



I hope you enjoyed this video. If you haven’t already, check out my YouTube channel Think Like A VIRTUOUS Woman where my content is all about attaining the qualities of the Virtuous Woman in Proverbs 31. I discuss everything from growing in Christ and knowing your value and purpose in Him, to having multiple streams of income and how to manage it. I also talk about life as a single Christian woman. Be sure to subscribe to receive notifications each time I post! Until next time…

Love, Mizz K


PS. Feel free to email me for any prayer requests, questions, or advice at

side smile Kendra “Mizz K” Fowler is a poet, blogger, and the author of Pain, Promiscuity, Purpose: From Mess To Ministry and Not My Goodies: 10 Benefits of Practicing Abstinence until Marriage” which can be found on You may connect with Mizz K on IG @love_mizzk and on Facebook @AuthorMizzK

An Eye Opening Experience

When my patient walked in, I immediately noticed his t-shirt and hat. His hat said “Jesus” and his t-shirt said, “Jesus is the STANDARD,” and he wore a silver cross around his neck. Both his shirt and hat were dirty; his belongings were also dirty, so I assumed he was homeless. He was a very nice man, in his late 70’s. When I brought him back to the exam room to prepare him to see the doctor, I couldn’t help but turn my nose up at the smell exuding from him. But as I stood over him, I looked down at him and right then, the Holy Spirit brought to my remembrance Matthew 35-40. Jesus identifies with the least of us. That means people who are sick, living in poverty, homeless, disabled, and anyone else who is needy. He says when we do for those people, we do for HIM. So if Jesus Himself says He is no different from those people who are the least of us, who am I to have my nose turned up?? I was immediately convicted and straightened my face, despite the smell and continued serving him, all the while pretending I was working on Jesus. As I was doing an EKG on him, I looked him over again- at his long dingy t-shirt and black pants that were almost gray, and his worn out sandals. I wonder if this was how Jesus’ clothes looked, I thought. Thinking about how much Jesus traveled, I’m sure his sandals were worn and that he wore his clothes for days at a time. And just like people today turn their noses up at people like my patient, people probably turned their noses up at Jesus as well. My patient had Jesus all over him, literally. From it being written on his clothes to his humble personality. While I was only with this man for about 10 minutes, that short time was an eye opening experience. I was no better than him just because my clothes were clean. At the end of the day, none of that matters anyway. What matters is the condition of our hearts. Although this man was poor, he was richer a lot of people as his words and attitude made known his true heart for God.

***UPDATE: It turns out this man is a missionary. He travels around the country spreading the Gospel of Jesus Christ and lives out of his truck. Wow

What Does It Mean To Be Virtuous?

What does it mean to be “Virtuous”? Some women may read Proverbs 31:10-31 and think, “I gotta live up to that??” You don’t have to “dress in fine linen and purple”, sell clothes, or begin cooking for your family while it’s still night to be a “virtuous woman”.  These verses are meant to inspire us, not intimidate us. They let us know that a Virtuous Woman is a woman of noble character who is respected and honored inside and outside of her home. Virtuous means upright, righteous, good, moral, and high-minded. It means you know what and who you are. You also know WHOSE you are. It means you realize how precious and rare you are. Your worth is not determined by the clothes you wear or how pretty your smile. It is your inner beauty which sets you apart from the rest. You are not beautiful because of long flowing hair, but because of the beautiful spirit of God living within you. It is not make up that makes you glow, but the Light of Christ shining through you. It is the Joy that comes with knowing the Lord that keeps you smiling when the world around you is tumbling down. It is the Word of God written on your heart and spoken with your tongue, that you use as a daily living guide, that makes you a Virtuous Woman. Just my thoughts. Oh well, who am I? Just a woman who fell in love with a Man who told me I was Virtuous. And I believed Him.

Love, Mizz K ♥

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© Kendra Fowler and 'LoveMizzK', 2016. Unauthorized use and/or duplication of this material without express and written permission from this blog’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Kendra Fowler and 'LoveMizzK' with appropriate and specific direction to the original content


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