Day 9: “Peace. In Your Finances.”

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Mortgages and rent. School fees. Rates. Insurance. Groceries. Clothing and food. Debt. Utilities.

Fun money? Travel? Shopping? How? When?

Everyday expenditures and financial responsibilities weigh you down. Figures and dates spinning around in your head, a merry-go-round of digits. Robbing Peter to pay Paul. Saving, Spending. Saving, Spending. Saving, Spending. Round and round you go.

According to a 2018 study of 1000 U.S. adults, worry and stress over money is one of the leading causes of divorce (behind infidelity). There’s no question that the way you handle your finances becomes a lens by which you look through life with either enthusiasm and generosity or dread and greed.

No one wakes up planning to be greedy or selfish. However, when you are not financially healthy and living within your means, you begin to hold on tightly to that which you have. You strive to gain more for fear that what you currently possess will run out, disappearing like sand through your fingertips. Nothing of substance to show for your hard work.

When you are balanced in your approach to money, patient and prudent with spending, generous to the local church and towards others, you can loosen your grip and suddenly the heavenly perspective of a God who owns the universe brings a shift. You understand that everything you have comes from the One who gave you your very life and breath; your daily provision and future allotments are subsidised by an endless account.

Ask yourself whether your priorities are in line with God’s. Make a plan for getting out of debt, for saving, for benevolence. Discipline yourself with the practicality of self-restraint. And, let go. Trust your Heavenly Father to provide for your every need. Pray and seek wisdom while pursuing financial peace.

“The Lord makes firm the steps
    of the one who delights in him;
though he may stumble, he will not fall,
    for the Lord upholds him with his hand.
I was young and now I am old,
    yet I have never seen the righteous forsaken
    or their children begging bread.
They are always generous and lend freely;
    their children will be a blessing.”

Psalm 37:23-26 (NIV)
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What is Sinking My Boat?

who sank

Everyone knows a teeny little mouse isn’t big enough to sink a whole rowboat! But what if that boat is first filled with a cow, a donkey, a “fat-as-butter” pig, and a knitting sheep? The little mouse, last to get in, who was lightest of all DID sink the boat in the case of this adorable children’s book, “Who Sank the Boat?”

I wonder what the “straw that broke the camel’s back” looked like? It could sound like a crying baby after weeks of sleepless nights. Or maybe a teenager’s back talk on the heels of a stressful day at work? Maybe it’s the online bill paying when month after month there doesn’t seem to be enough money to make ends meet?

We can’t always predict what will cause us to feel like we are going to crumble. But, I DO believe we can work out some disciplines and boundaries that will keep us afloat even in the worst of times.

We must carefully ensure that the most important, “only-I-can-do-this” priorities come first. Only I can be wife to Greg and Mum to Brett, Sydney and Sammy. This means I can’t give so much time to friends, church members, social media, and working out that I suddenly have nothing left for the ones counting on me most.

Only I can be co-pastor of our church. That comes with certain restraints on my weekends and where I invest in relationships whether I like it or not. If you work, you’re the same. You’re not tempted to go to lunch with friends when you can’t afford it if you work every Friday. You’re unavailable! The weight of our responsibilities only feels heavy when we are spread thin and are weak in every other area.

So often, we can over-commit to pressures of life out of guilt or tradition (think family holidays) or even just disorganization. We forget to check our diaries when we say we are available to help a friend and realize on the day we have double-booked ourselves. The boat starts to rock.

Sometimes we fill our lives with things that don’t really add value. Then, when we look up at a commitment we really DO want to follow through on – like having new friends around for dinner or volunteering at school or church, it’s suddenly the despised one because it pushes us over the edge.who sank2

We have to guard our time and our gifts. Not every great cause deserves our money. Not every invitation deserves a “yes!” Instead of merely checking the time slot in your calendar when making a commitment, why not prayerfully consider whether or not that invitation keeps you on track with your goals and the other roles ONLY YOU can fulfill? Otherwise, when push comes to shove and space is tight, the loved one to whom we are responsible may not fit. We look up and wonder how the water started seeping.

Maturity in accepting our responsibilities and creating healthy boundaries comes with practice. Prioritizing takes organization and forethought. I love the encouragement James gives and I’m putting it into practice today:

Consider it a sheer gift, friends, when tests and challenges come at you from all sides. You know that under pressure, your faith-life is forced into the open and shows its true colors. So don’t try to get out of anything prematurely. Let it do its work so you become mature and well-developed, not deficient in any way. James 1:2-4 (MSG)