Just In Time: To Avert a Financial Crisis
Over eight years ago, Amor and I became debt-free and we made a pact never to use credit again, unless it was to purchase a house. We kept that promise, for the most part, until six months ago when my van (that I use to transport the kids) needed maintenance that we couldn’t afford. The interest-free credit card (as long as you pay within a certain time frame) was too juicy an offer for Amor to refuse, so despite my objections, he fixed it up. “You want a van to drive, that’s in working order, don’t you?” Yes, yes, I did. Around that time, he also borrowed a large sum of cash from a friend for lawn equipment, in the hopes that he could work part time doing yards and bring in a decent income.
In just this past month, Amor and I have racked up thousands of dollars of debt to family and friends. We paid off the car repair loan, just in time. But not the “lawn friend loan.” And then…
- The lawn mower broke. We had to pay the repair man just to tell us that it would cost more to fix it than it would to buy a new one. Not only is this an added expense, this has severely impacted our income.
- Amor’s work van didn’t pass inspection, so we spent a ton of cash to try to get a waiver, only to have it brake down completely. Again, we paid the repair man just to tell us that to get it fixed costs far more than its value.
- My van started running hot, and we discovered that the radiator and water pump were shot. It also needed all new tires.
- The deadline to file some paperwork for Amor’s immigration case is almost upon us. (We just found out, it had to be filed within a certain time frame). The filing fees for the paperwork plus attorney’s payment, plus other fees and expenses for necessary items (such as passports for me and the kids) add up to thousands of dollars!
- My computer crashed. We rebuilt it from its original disks, but it’s missing programs that I need that are expensive and it needs a new battery.
I always pray for God to keep things running smoothly. But naturally speaking, things are bound to break. Due to normal wear and tear, these things that need fixing should have broken down long ago. I believe God has supernaturally kept them running, until a time when we could afford for them to break.
This month, if all goes well, I should be getting an inheritance, one that has been a long time coming; over 11 years to be exact. It’s no fortune, but hopefully, (prayerfully), after tithing, it will be enough to cover these costs and get us back on our feet, with a place of our own.
Dear God, thank you for your provision. I believe that you know what we need before we do and will give us favor. Help us to use what we earn and what are given wisely. I praise you and thank you, Father, Amen.
(Written Nov 3-5, 2015, Twins 16 months)
Double Talk Quote: Distracted: “You’ve got to put your shoes on first, before you put on your socks” – me (other way around, mommy!)
Bible Verse: Luke 12:24 & 27 -Consider the ravens: they neither sow nor reap, they have neither storehouse nor barn, and yet God feeds them. Of how much more value are you than the birds! Consider the lilies, how they grow: they neither toil nor spin, yet I tell you, even Solomon in all his glory was not arrayed like one of these.
Term that has Lost its meaning: done deal
Relatable Lyrics: Counting Stars by OneRepublic
“Lately, I’ve been, I’ve been losing sleep
Dreaming about the things that we could be
But baby, I’ve been, I’ve been praying hard,
Said, no more counting dollars
We’ll be counting stars, yeah we’ll be counting stars”