Our Reasons for Financial Peace

Last year my wife and I went through Financial Peace University.  This is a program from Dave Ramsey, who is becoming increasingly popular through television and radio media as America believes all the dramatic news about going into the days of deep dark depression.  Or at the least a recession.  I have my own opinions about that, but seeing as how I’m no financial expert, I will leave that for another posting at another time.

Our quest to be debt free, has a few ends in itself.  Some of the principles Dave teaches are starting to form the opinions and character of my wife and I.  It’s getting into us…we are sipping the kool-aid and starting to like it.  Here’s why:

First, we can’t even think about buying a house until we are debt free.  My wife, Karen, only works part time and my income isn’t enough to cover a house payment, car payment, and every other “payment” that comes standard in America’s world…not to mention phone or electric bill or whatever other utilities people pay these days. 

Second, social security is a joke.  It won’t be fixed from what I understand, it can’t be, and I refuse to allow my wife and I to be worried month after month…waiting on checks that may or may not be there and then it not being enough to live on or cover whatever medication we may need when we’re older.

Third, the Lord has placed a burden on my heart for the Banjara people of India.  Our communication is limited with these folk, and very few them have ever heard the name of Jesus.  There is a film ministry that we are contributing to right now.  This ministry currently is focused on buying a quality used sport utility vehicle and a projector that the Jesus film can be shown in remote villages in a language they can understand.  To be debt free means that we can be contributing WELL to this project and many, many of the Banjara people can come to know our Lord Jesus.  Then they can spread the news of the gospel themselves, telling the story and worshipping Christ as only the Banjara do.  My wife and I one day hope to contribute much, much more than what we are currently contributing to this mission.  It’s hard to do that when we’re funding the bank (who could care less about our well being or salvation).  We have a responsibility to spread the gospel, and this is the best way to do this with this particular people group.  I’ve made many friends with the Banjara people, and hope to make many more.

We’ve tested the wisdom of Dave Ramsey to see if there truly is any “financial peace” and we are finding that there is.  You know the wierd thing is, a lot of Dave Ramsey’s wisdom comes straight from the Bible.  Hmmm…the Word of God doesn’t steer you wrong?  Go figure.

Honoring God When It Hurts Most

In the Sunday school class I’ve been attending for the past three weeks, we’ve been talking about honoring God.  So far one of the main ideas that have been learned, discussed, and reinforced is the thought of honoring God in “the little things.”  Sounds pretty simple doesn’t it?  One would go, “duh!” to such a thought; but as I’ve found out this week, when it starts hurting, it’s easier said than done.

I’m a firm believer that a person has to have a shift of paradigm; a change in their vantage point (this has been discussed in the Sunday school class as well) must take place before anyone will change their actions for good or bad.  Though I’ve understood this concept and been able to see where it has been applied in my own life to things like personal finance and smoking; I also must admit there are everyday actions and behavior that I’ve not applied this concept to. 

There are some habits that we have that are not necessarily sinful, but they are also not necessarily good either.  Let me use myself as an example.  I have a coworker who knows my moods.  At least, she thinks she does.  And for the most part, she’s right, she knows I like coffee in the mornings, and she thinks enough about me (or God) to have a fresh pot of coffee brewing when I get there.  I usually don’t say much when I come in, and it takes me a while to get woke up, when I finally do come out of my grogginess, my mood improves and the rest of the day is usually quite pleasant.  I like my job and I like the people I work with so being in a good mood is usually not that difficult.  But that habit of being unpleasant in the morning just because I haven’t had my second cup of coffee yet has become a hard habit to break.  And what happens when the mood doesn’t improve?  What if someone says something in the wrong tone while I’m reinforcing my habit?  Or says nothing at all and I think they should?  The results can become disasterous, and in the end, sinful because others can be hurt by what the apostle James calls a tongue of fire.  Who’d have thought I could be half asleep and have a tongue on fire!  (Okay, that was corny, but it does make a funny mental picture)  Either way, I hope I’ve made my point, my paradigm has changed, my point of view.  It is no longer acceptable to be in a bad mood just because its early.  It doesn’t bring honor to God. 

Our God, Lord and Savior deserves more than what I give him and so…enough is enough with this bad habit, and others, but that’s for another blog.

Having Financial Peace, the Flu, Termites, and a New Outlook on Prayer

I thought I was going to sail through the flu season this year with no problems.  Be one of those lucky (or blessed) few who in the middle of March start bragging that I didn’t catch “the bug,” as though I had something to do with it.  About half the people I come in contact with on a daily basis has had this stuff at one time or another over the past month and I was feeling pretty good, until it hit me 2 nights ago.  Now it’s all I can do to stay out of the bathroom today, though the chills have finally left me.  Hopefully my body is just flushing out the sick from my body.  Despite my sickness, I’m happy to announce Karen and I have met one of our financial goals in paying off the first bill of our “debt snowball.”  A doctor bill that I incurred at the emergency room 4 or 5 months ago, next is the student loan, which has been hanging around so long it’s like a pet.  If the government isn’t lying to us about the “stimulus package” check that we should be getting around the end of May, that nasty thing will be paid off as well; freeing up enough money to hopefully have our truck paid off two years early.  Once all this happens, we will finally be able to start saving up for a real house, while repairing this one at the same time.  Speaking of, we’ve started painting!  Those of you have been here know that’s a huge step for us.  With all the repairs we’re doing, we have had to call a couple of exterminators, lest the termites eat away all our new work, who have quoted us anywhere from $1500 to $1700.  They’ve offered to finance us but we have promised ourselves never to borrow money again unless it’s for a house, so I guess a new envelope will have to be made called “Death to Termites.”  It may take another year to save up enough money, but we will not be saddled with another monthly payment right now.  Orchin Man thought I was nuts, maybe I am. I’ve been studying a lot on prayer lately.  I realize I am missing a lot when I’ve prayed before.  Using God’s name as “Lord” about 50 times in one prayer, but not really praying to anybody.  I’m almost convinced that teenagers pray better than adults every time they bow their head.  For some reason, once we reach adult hood, a lot of us, especially men, stop being personal.  We start putting on the tough guy facade, and pray in the same way.  We are very vague when we pray, “bless this, and bless that,” “bless preacher and his family, bless our church family,” “take care of the sick,” “bless those that are faithful,” and don’t forget the magic phrase we use just to remind God He has to answer our prayers we say, “in Jesus name, Amen.”  I’m convinced that prayer is more than that, and have been learning that as well.  I’m hoping to teach what I learn in our church to a group of men, but am nervous about it.  I’m so much younger than the men who I think would take this seriously.  Nevertheless, today in my devotions I read Jeremiah chapter 1 as this “fear of man” was on my mind.  In it Jeremiah quotes God as saying,    ” Do not say, ‘I am a youth,’       For you shall go to all to whom I send you,       And whatever I command you, you shall speak.        Do not be afraid of their faces,       For I am with you to deliver you,” says the LORD. So, I am going to teach, humbly, but also enthusiastically I hope, enough that God inspires and we start praying and leading our church and community and even more into revival.