I can make a mean spreadsheet. In fact, it’s one of my spiritual gifts. Not only does it look pretty with all sorts of colors and shading, but the formulas I insert into each cell are, well, let’s just say accountants envy me. I love to discuss finances and insert said finances into one of my beautiful spreadsheets. I’m the disciplined type and stick to a financial plan.
But, it hasn’t always been this way.
Because I’m a sucker for a new car. Gah, just thinking about the new car smell makes me want to toss every bit of information I’ve learned from Dave Ramsey and rush down to my nearest Acura dealership to get a brand-spankin’ new MDX. But I have not done that, the purchasing of a brand new car…since 2014, that is.
Budgets. They are not what you typically want to talk about. Many people think they are restrictive and don’t allow spontaneity. They feel like a burden and the removal of all things fun. But I would argue that budgets are not restrictive at all but instead bring freedom. Because what really restricts is living above your means which eventually equates to debt. And debt is nothing but bondage.
We can want to be financially free and think we are if we don’t have rules and regulations to guide us, but the truth is, we need guidelines to help us stay within healthy parameters. We must deny some things to get better things, and financial freedom takes sacrifice. We have been taught that there is no way around debt. We’ll always have a car payment or a house payment. We’ll never be able to afford this or do that. That’s simply untrue. With planning and sacrifice, financial freedom is possible. It just takes a lot of sacrifice and dying to self. Sounds fun, doesn’t it?
So, how do we budget ourselves so that we can be financially free?
The last thing we need as ministry leaders is...read more (scroll down to the Day 5 entry)
Cindy Beall is a writer, speaker and mentor to women. She oversees the Equipping arm on the Leading & Loving It team that ministers to pastor’s wives and women in ministry. Her first book, Healing Your Marriage When Trust Is Broken, released in 2011 and her second book, Rebuilding A Marriage Better Than New, release in 2016 with Harvest House Publishers.