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My Ways Are Not Your Ways
Fri, 22 Aug 2014 17:49:04

I have an interesting little story for you guys and a bit of a life lesson to go with it.  But first a little background behind the story.  Over the past number of years I've been working very hard to get our heads (mom and I) above water financially, and both of us completely out of debt.  However, no matter what we did, no matter how hard we tried, we never seemed to succeed.  And believe me, we prayed and prayed and prayed about this, and yet success always seemed to eluded us.

That is, until very recently, which is where my story begins.  It was during this time that, by what seemed a miracle of God, our bills lightened considerably and the proverbial light at the end of the tunnel seemed to appear.  As such we believed that we could now very aggressively attack our debts and eliminate them within a short amount of time, and do so with the minimum of risk to ourselves.  So we got to work trying to pay off our debts with all due speed.

However, that apparently wasn't what God wanted.  Let me explain.  The bible does not specifically forbid debt.  I thought it did, but after some careful research I found that it actually doesn't.  What it does forbid is the improper use of debt, which ultimately ties into the many teachings on good money management.  Anyhow, even though debt is allowed in the bible, I was tired of being oppressed by it and wanted my freedom.

Again, that was not God's plan.  How do I know?  Well, there's a lot of reasons, more than I can list, so I'll give you the cliff notes version.  At the beginning of our campaign I had a well thought out and detailed plan that would have allowed us, within just a handful of months, to completely wipe out our credit cards, the first of our big debt burdens, and remove that from the list of debts we owed.  All we had to do was sacrifice a little, live light, and be frugal, and we would get through this with cash to spare and a lot less debt.

To do this, I set aside what I believed, through a lot of thinking and number crunching, would be a sufficient nest egg to easily carry us through the next five to six months and cover all our basic expenses that we'd have during that time.  We wouldn't be able to buy much, but what we had budgeted for each week would still be enough to do all we needed to.  Well, my plans, although brilliant, quickly fell apart right out of the gate.  Much to my surprise we not only exceeded what we had budgeted, but we actually blew through the entire cash bundle in less than six weeks.  Yes, you read that right.  Six months worth of spending cash completely gone in less than six weeks.

Well, me being me, I was bound and determined that I would get these debts paid off.  So, figuring that brighter days would soon be here, as I had a ton of outstanding cash just sitting out there in the wild ready to come in at a moment's notice ...(read more)

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