Making Money Management Hard For No Reason

Several months ago Shawna and I were coaching a happy young couple with their finances. They were doing great! They were giving, saving, and spending within their means, but there was a little concern that they weren’t sticking exactly to what they budgeted in some of the spending categories. One of the spouses, acknowledging the difficulty of discipline, made this honest statement, “It’s like we’re doing this just to make it hard for ourself for no reason.”

When faced with the challenge of disciplined spending it is no secret that either giving or saving is making up the difference. In this couples’ case it was saving. The underlying question they were asking is, “How do we stay focused on sticking to the budget when we seem to be doing just fine?” Here’s how to answer that question.

Goals

Saving just for the sake of saving is boring. There must be a reason, or goal, for the saving. Goals are not as likely to be reached without time limits. So one motivation for sticking to the spending plan rather than decreasing the rate of saving is so that we get to the goals we’ve set in the time-frame we set them in when we maintain our rate of saving.

Challenges

Whether we see or feel the risk of unexpected challenges or not, they are there and will pop up to surprise us when we least expect them. The prospect of challenges setting us back isn’t very motivating until one actually happens, but then it’s too late.

Future Discipline

When things are going great it’s easy to fall in to the habit of spending more freely. Then when things aren’t going so great it sucks royally having to go backwards – sacrificing the freedoms we grow so accustomed to. So maintaining steady discipline all the time prepares us for those inevitable periods of time when discipline is not an option.

The bottom line – we should keep our spending disciplined so that we can maintain our priority of saving, otherwise we won’t be prepared for challenges and/or our goals might be put off perpetually. No one ever said sticking to the plan was ‘hard for no reason’ when they associate it with breaking through challenges and accomplishing dreams.

For more perspective on striking a balance with Giving, Saving, & Spending check out this ebook on Amazon – God Centered Finances

God at Work

God at Work: Your Christian Vocation in All of Life by Gene Edward Veith Jr is one of my favorite books of all time.  One of the most common questions Christians have is some variation of, “How do I know God’s will for my life?”  That one question leads us to wondering how God is or isn’t using us.  It leads us to thinking we have to be in a full time job (whether paid or volunteer) at a church in order to be ‘doing ministry’.  It causes us to diminish the importance and impact we can have in ‘secular’ or ‘private sector’ jobs.  That one question is all it takes to make us forget the fact that our everyday life is a constant opportunity to minister and have an impact for God.

In God at Work , Gene Veith teaches all about the doctrine of vocation.  It is the idea that God is at work in all things and he chooses to work through human beings serving each other in ordinary life.  There is a wealth of information in this book about the history and purpose of the doctrine of vocation, how it started and how it has changed.  There is tremendous insight about how the doctrine of vocation is alive and applicable in so many different areas of our lives – at work, in the family, in citizenship, and at church.  We all have more opportunity than we can imagine to serve our neighbor and experience the transforming presence of God through our everyday lives.

I give this book 5 stars and highly recommend it for everyone to read.

 

Presumed Innocent

Has anyone ever presumed, or judged, you based on what they may, or may not, know about you?  I know what that is like – to be wrongly judged, but if I’m honest with myself I have to admit that I’ve been guilty of wrongly judged too.  But there’s usually a reason that leads to such a presumption.

In relationships our tendency to presume innocent is influenced by a mix of current and historic behavior.  If a person has hurt us our trust is hindered, our walls of suspicion and defense are up, and our presumption is guilt rather than innocence any time there is a question of character.  If a person has worked to have a good relationship with us and build trust with us then it is much easier for us to presume innocence when thoughts of character judgement enter our mind.

The question we need to ask is not, “Who in my life do I trust enough to presume innocent?”  The question we should be more concerned with is, “Who in my life would consider me a trustworthy relationship that they naturally presume innocent?”  The first question is about what’s in it for us, but the second question is about what’s in it for others.  When we challenge our self to be a better spouse, parent, family member, or friend it is ultimately better for everyone including our self.

Keep It Real

Keep It Real

A couple of years ago I bought a t-shirt with the above print on it.  I think this shirt is hilarious with the ghost, magic wand, zombie, unicorn, space ship, imaginary friend, and dinosaur.  It’s hyperbole (I know a few big words too smart people).  The reason I love this shirt so much is because some of my biggest lessons in life could have been learned sooner if I had just lived by the motto – Keep It Real.

Now this is like one of my core values – Keep It Real.  I think one of the biggest failures among Christians as a whole is the unwillingness to keep it real.  We act like we’ve got it all together because if we don’t then we’re looked down on by those who are likely just better actors.  The problem is pride.  The Bible warns about it – pride comes before the fall.

Proverbs teaches us the importance of wisdom and that we should seek it no matter the cost.  To truly do that we have to swallow our pride, be willing to admit we don’t know everything and we don’t have it all together, and actually ask someone who might have the wisdom we need.  I’ve learned this the hard way in major areas of life, and I’ve observed that most other people are learning things the hard way too.

Years ago I was much more transparent on this blog but along the way I became more reserved for various reasons.  It’s about to get a lot more real on here again because I believe when we keep it real we keep pride down and relational value up.  Who’s with me?

God Centered Finances – Ebook

Since experiencing a rock bottom turn to Jesus moment financially, I have sought to better understand what the Bible teaches about money.  I learned the Bible doesn’t address just giving – it also teaches saving and spending wisely.  When I found my family struggling to strike a proper balance between giving, saving, and spending it became apparent to me that the only way to truly get it right is to keep God at the center of every financial decision.  That is the basis for my first ebook:

God Centered Finances: A Balanced Perspective for Biblical Giving, Saving, and Spending.

God Centered Finances

I hope you’ll download a copy, and I hope it encourages your heart and mind to living the blessed life God has for you.

By the way – the Amazon Kindle App is available on all devices and computers for downloading this book.

Comfort Zone

When we first get fired up about doing well with our finances or our marriage or any other area of our life we are willing to do crazy stuff to make it happen.  We are willing to really stretch our comfort zone.  We will go to counseling, do crazy stuff to save or earn money, eat like a rabbit to lose weight and do crazy exercises to get fit.

The problem with comfort zones is they shrink back to the old ways if we don’t continue to set new goals and do the crazy stuff it takes to reach them.  Before we know it we’re eating our savings again, we’re not communicating well in our marriage, and we’re not making it to the gym nearly as often.  The habits have drifted back towards where we started.

Goals and accountability make the difference – written goals that are in front of us somewhere so we see them all the time, and someone to nudge us to say, “How are you doing reaching that goal?”.  Sometimes the accountability is a spouse but sometimes it’s better for there to be some outside accountability as well.

I’m planning to start being more transparent with my goals on this site.  I’ve seen how my friend Joe has done it with his house payoff goal, and how the guy at MyMoneyBlog has done it to build net worth.  There are some things that are not even financial that I have ways to track and measure that maybe I should be more transparent about and that stuff will start showing up on here.

What are some things you could start doing and tracking to get out of your comfort zone and work harder towards your goals?

5 Big Things Couples Fight About

It would be impossible to list ALL the things couples fight about, so here is a quick rundown of 5 big ones that can cause tremendous strain on a marriage:

  1. Money – It is an every day part of life that affects everything whether we want it to or not.  Each spouse approaches money differently – different attitudes, experiences, personalities, habits, knowledge, ability, this list could go on and on.  Those differences in how money is managed can create daily conflict.
  2. Sex – It should be a frequent part of married life that affects pretty much everything because of the intimacy it is supposed to create between us.  So the conflict arises over frequency and satisfaction. (that needs a whole lot of explanation I’m not going in to with this post)
  3. Kids – If you’re doing the above I can tell you from experience that kids are highly likely to happen.  Then each spouse approaches raising them differently, how to love, discipline, provide, and teach them.
  4. Family – Each spouse has differences on their “side” of the family, and that affects the marriage.  How involved the extended family is, where holidays and special occasions are spent, and how to prioritize the needs of the immediate family and extended family so that neither ends up totally neglected.
  5. Career – The type of work we do, the amount of time we work, where we have to live or move to do that work, the people we work with, the opportunity it creates or passes by, the financial return for the work.  Each spouse sees these things differently and the career decisions we make affect each other no matter how “independently awesome” we think we are.

Does this list look pretty accurate as 5 biggies that affect marriage greatly?  Just because I listed them in that order doesn’t mean that is the order you’re experiencing them in.  But I strongly believe it makes sense for most couples to deal with them in that order.  The key is turning these points of friction in to productive opportunities to communicate and cooperate with one another in a way that strengthens our relationship rather than weaken it.

Some Simple Thoughts on Respect and Love

Read Ephesians 5 where it talks about wives respect and husbands love…

Today I just had some quick thoughts that put the respect and love dynamic in to some simple modern day marriage situations, so I thought I’d jot them down real quick.

Wives – don’t expect him to come home from work and do more work at home than you’re willing to do.

Husbands – don’t expect to come home from work and plop down in front of the TV while she does all the work.

Wives – don’t expect him to spend less time watching football than you do watching Facebook and TLC.

Husbands – don’t expect sex from her if there is a pile of laundry and dishes to do and you didn’t even help put the kids to bed.

Wives – don’t expect him to put the kids to bed and do the laundry and dishes and mow the lawn and clean the floor and toilets and give you a mani-pedi and a back rub in order for you to be in the mood.

Husbands – don’t expect her to respect you if you are never showing love to her.  You don’t do date night – she don’t do sexy time.  You don’t do dishes – she don’t wash your nasty underwear.  You don’t do deep, open, honest, meaningful conversations – she don’t do uplifting and encouraging affirmation of your leadership of the family. (bad use of “don’t” for emphasis)   But wives!  Just because I wrote those things doesn’t mean that’s how it has to go.  Try doing your side of all those statements even if he doesn’t do his side of all those statements and see what happens.

Wives – don’t expect him to love you if you are never showing respect to him. You don’t do sexy time – he don’t do dishes.  You don’t affirm his leadership of the family – he don’t do deep conversation.  You don’t do football watching – he don’t do chick flick watching.  (bad use of “don’t” for emphasis)   But husbands!  Just because I wrote those things doesn’t mean that’s how it has to go.  Try doing your side of all those statements even if she doesn’t do her side of all those statements and see what happens.

Do you see the pattern of give and take?  It’s called compromise.  It’s never fair, but it works.  Shawna always says “Fair” is a place people ride rides.  Stop expecting life to be fair.  Give and see what your spouse will give in return.  Then don’t be afraid to take it.  If this dynamic gets too one sided have a healthy heart to heart to get to the bottom of it and try to improve.

Lead In Building Relationship

Husbands should lead, and that includes building relationship with our wives.  Dude, when is the last time you had a date night?  If we’re not spending time developing the relationship we have with our wife then it is pretty much impossible for us to be the trusted leader of our family.

What is getting in the way?  Are you giving her the cold shoulder because she was mean or disrespectful about something to you?  I understand – I’ve been there.  But you gotta get over it and lead her to a place where you can work through that and work on the relationship anyway.  If she continues to treat you wrong that is on her and she will have to answer to God.  You’ve gotta do what you’re called to do.  Lead whether she likes it or not.  How do you even know she’s not already wishing you would?

Daddy’s, we should lead in building relationship with our kids.  It isn’t easy.  It’s even awkward at times.  But they need to know us.  They need our love and influence in their life.  They aren’t going to lead us in building that relationship.  Our wives shouldn’t have to force us to build that relationship.  We should seek and build that relationship as the leader of our family.

It’s so easy for us to become complacent with those who love us most, which makes it easy for those relationships to suffer.  I have to pray all the time that God will show me ways to be intentional in leading the relationships in my life that are most important to me.  All men should do that – even men who are not married or have kids yet because one day you hopefully will.

Bottom line – the man is supposed to be the leader so the man should take the lead in building relationships, knowing that it will help the marriage and family accomplish more in so many ways spiritually, relationally, and financially.

Husbands Should Lead

That statement offends feminists but I don’t care.  God’s design is for husbands to lead the marriage.  It’s how he wired male and female and commanded husbands to lead the family spiritually.  Part of that is prayer, reading the word, and making decisions about life that honor God.  That decision part is where we get our panties in a wad.  Ladies don’t want to be in a position of dependence or submission to a man – they want to be independent and make their own decisions.  I understand that and I’m not suggesting ladies don’t have a say.  Good leaders (husbands) listen to others before making a decision, especially their wife (hopefully they’re a Godly wife).

I’m also not suggesting ladies can’t be leaders.  They can lead lots of things.  Just not their husband spiritually.  God’s design is for husbands to lead.

Here are some of the general reasons I believe husbands who aren’t leading aren’t doing so:

* their wife won’t let them
* their wife doesn’t respect them
* they’re lazy
* they don’t have accountability
* they don’t even have a relationship with Jesus or the Biblical guidance to start with

When I’m coaching couples I know he’s not leading if:

* He has no clue about the financials because she handles it all
* They indicate that they never go on date night
* Either of them has a hobby that dominates their time and/or money
* The kids dominate their time and/or money
* They can’t remember the last time they prayed together or read anything Biblical together

Some are thinking “we’re different” or “we’re the exception” or something along those lines.  No you’re not.  There’s a lady reading this who thinks their husband is just not the leader type or it’s just not his personality.  This isn’t a personality thing and I’m not talking about the perception all the leadership guru crap of our culture has created.  That husband is called to lead.  They may have been beat down for years with unreasonable expectations, lack of patience, and general disrespect by you or other family, friends, or bosses.  But there is a man inside there somewhere that is called to lead his family.