(a) Do you think everyone in the world is Christian? Jews, Muslims, pagans, atheists and agnostics are not going to read a Psalm a day, sorry.
(b) Are you crazy, telling people to keep an entire paycheck around the house IN CASH? All you need is one burglar or dishonest cleaning lady or teenager giving way to temptation, and your life is a disaster. Instead, write the checks right away, and subtract them in your check register. That money is now officially gone, and you have to live on what's left.