About The Creator of BIAB

Hello and thanks for taking time to research Budget in a Binder. My name is Thea Reynolds and I am the creator of Budget in a Binder as well as an Investment Advisor and accomplished Financial Planner. I am both the owner of WaterSeed Wealth Management and Budget in a Binder. 

Back in 1998 I created the first budget for my household, we were in a lot of debt and were feeling like we never had enough money each month. I really felt God’s leading to create a budget and stick to it. I created not only a budget but a whole organizational system for our money. I also realized that I needed it to be portable. This system that I created then is today Budget in a Binder. As time went by many of my friends were copying my ideas and were urging me to formerly create a course and teach it. In 2002 I decided to form a test group of 17 people and formally taught my first Budget in a Binder course. For the past many years I have spent time perfecting the way to teach this course best.

The course for me really fills my desire to help people get their money in order and take control back of their spending, savings and giving. Many people think that a budget is restrictive or binding, and I would say that I have found the opposite to be true. I have found that because I now write down every penny I spend, I spend my money on the things I REALLY want and need and not on junk I really don’t. A budget has set me free. I now plan for vacations, gifts, home improvements etc. When we go on vacation the money is already saved and when we come home there is no guilt or shame on what we spent. I think money is a tool. It is only a tool. It allows us to bless others by giving it away, and it helps us plan for emergencies or fun for the future and it allows us to live our lives with a roof over our heads and food on the table.

My hope is that if you live in the Chicagoland area you’ll come out and take the course in person. If you own a company you would have me come out and teach your employees, and if you are part of an organization you’d consider having me come and teach. If you’re out of state I hope you’ll consider getting the binder and working thru the step by step workbook on your own. My hope and prayer is that you will be changed by this program and that if you are feeling imprisoned by your financial picture that you will be set free from that bondage. It does take work, and it is a habit that will take time to develop. I know that you can do it, and I hope you take the time and get up the courage to change your life.