“Financial Peace” is for everyone

7 Mar

Just a couple of thoughts I had yesterday…

Why is it that young people are so easily persuaded to buy so much “stuff”? I’m guilty of wanting to have the latest iPhone and cute clothes, but I’ve come to a point where spending money hurts. Not because I don’t have any money to spend, but because I hate checking my bank account and thinking, “wow, there could’ve been a lot more in there if I hadn’t gone shopping today.” I start thinking about my future and the money I spent starts to make me feel guilty.

Nearly three years ago I enrolled in “Financial Peace University” by Dave Ramsey. While a lot of the things he teaches don’t apply to me (such as what to do when you’re thousands of dollars into credit card debt or what kind of mortgage to get, etc), I have found that many of his teachings have stuck with me over the past few years.

For example, yesterday I was craving an iced caramel macchiato from Starbucks–my new favorite drink! But I thought to myself, “$4 isn’t that much money, right?” Well, right now, that’s how much a gallon of gas costs. Yep. And if I want to save money AND drive around town at the same time at these skyrocketing prices, I need to keep as much money in my bank account as possible. I even slowed down on remodeling my bedroom because I want to be wise with my money and actually budget for my new curtains and comforter instead of spending my most recent nannying paycheck on all of it at once.

All of this makes me think we forget way too often that every dollar we make is a blessing from the Lord. We forget to give back to him and we forget that we can honor him with our finances (and not just by tithing!). We’re not supposed to owe people money (Romans 13:8)! But our culture tells me that I need to lease a 2012 Chevy Cruze and throw away a down payment and $129/month on something that’s not even mine. Nope, I’m perfectly fine with my 2005 Saturn Ion, which I bought in June 2011 and will have paid off in April of this year (and which also has a lovely dent in the bumper by a hit-and-run last week…sigh…).

I don’t know about you, but I’m gonna start thinking twice (or even three times!) before spending money from now on, even if it’s only $4 at Starbucks. Right now I’m looking for a full-time job and I’m only working part-time at the moment, so it can be SO easy to think, “well, I’m not making much, so why try to save anything anyway?” But I’m about to prove myself wrong.

Check out these scriptures about money from Dave Ramsey’s website…it might change your perspective on spending today!!


4 Responses to ““Financial Peace” is for everyone”

  1. Steven Sarff March 7, 2012 at 10:29 am #

    You might enjoy my post today. (Not on Dave but it is finance related) I also like Dave’s advice. If you haven’t gone through FPU again, you should, it is a life time membership and 3 years (especially from 18 to 21) is a long time. You will see things differently this time.
    Good luck with your budget.

  2. Christina Siew March 7, 2012 at 11:26 am #

    Hi Jennifer,

    As I read your profile, I wondered if you will be interested to write for http://www.lovepinkie.com/blog.html. Then this post just propelled my request to you. =) If you are interested to find out more, email me at info@lovepinkie.com. =)

    I really do hope you can join us to write inspiring pieces for young girls. It would be great! =)


  3. Dennis J. Gasper March 7, 2012 at 11:28 am #

    Having peace in our lives is so important to live a happy and content life. But having “financial peace” is something that is so hard to achieve in our culture, with all the electronic toys and stuff we see in tv and in print. We must get rid of this notion we have to compete and have more things than everyone else. The flesh of this world desroys our souls and destroys families and marriages. We need to see the many blessings of God to have that financial peace we desire.

  4. charinabrooks March 8, 2012 at 6:39 pm #

    Jennifer, thank you for liking a post of mine. I am so glad you did as you gave me the opportunity to visit your place.

    What a blessing to hear someone young like you talked about “stuff”.

    I hope you visit me again and bless me with your thoughts. Would love to get to know you more.

    All good things,

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