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“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!!