Personal Finance

Personal finances are something my husband and I have talked a lot about recently. We are approaching the first anniversary of me quitting my teaching job to stay at home with our 2 wonderful boys. This decision meant giving up half of what we were used to living on. It was a decision we made with some hesitation, but after prayer and much consideration, we knew God was pointing us in this direction. Has this first year been easy? No! it sure has taken some adjusting on everyone’s part. We eat out way less often, we don’t always have the newest clothes or toys, and we have cut back on our daily expenses. Do I say this to make everyone  feel sorry for me? No! I say this, because I have learned that we give money a much more important place in our lives than it deserves; and with the right amount of attention, you don’t have to let it rule your life.

My husband and I are big fans of Dave Ramsey. We were blessed to take one of his classes early in our marriage, and while we don’t practice everything he preaches to the letter, much of what we have learned has been so helpful.  If you do not budget in some form or fashion, Dave Ramsey style or not, I encourage you to start now! If you feel like you are barely making it paycheck-to-paycheck, stop and create a budget.  You will be surprised how much farther your money will go when you are purposeful with every penny you spend. Pray that God will bless your family in the month to come, come up with a plan of action, and put that plan on paper. God will bless you and make your dollar go farther if you are seeking Him in your financial journey.

I am also a firm believer in having your priorities set in the right place when dealing with personal finances. 2 Corinthians 9:7 says, “God loves a cheerful giver.” If we are not putting giving back to God, either financially or with our time, as a top priority, then I do not believe we can truly be cheerful when giving. After you give to the Lord, what is truly His, everything will fall into its rightful place. You will start seeing blessings flow like you never imagined possible. Your family will prosper, your business will prosper, and you will be able to give in ways you never dreamed possible. How often do we try to hold tightly to the blessings God has given us, when they aren’t truly ours to keep?

Personal finances are a topic that no one really likes to talk about, mainly because we are used to having negative emotions stirred up anytime money is brought up. Most of our country is living in debt, struggling to make it from paycheck-to-paycheck and looking for the next get-rich-quick scheme. This allows money to control our daily lives, when God does not intend for it to! I hope and pray that each one of you will take Proverbs 21:5 to heart as we enter a new month and a new start financially: “The plans of the diligent lead to profit as surely as haste leads to poverty.” Take time this month to budget your time and money, and set your priorities straight, and God will bless you more than you can imagine.

 

Rachael Hendrix is a proud wife and mother of 2 young boys.  She have been a Young Living Independent Distributor for almost 3 years. She loves spending time with her family, and she has a passion for helping those around her.