One Thing: Budgeting/Finances

Background:

Finances. Eck. Not my favorite subject…people get weird when finances get brought up.

My finances have gone something like this…

(From the time I moved out of my parents house and into my own apartment)

Work 3 jobs, go to school, eat. sleep.repeat. Just like I didn’t make time to go through all of the stuff I had accumulated…I also didn’t make time and attention for my finances.

I struggled…just like every other person, starting out living on their own.

When my husband and I got married…it is by the grace of God that every need was met.

And, as we continued on in our marriage…we did ok.

For a couple of years.

Then, as I started working part-time and eventually stayed home for a year…our financial situation has slowly grown into a giant needing to be slayed.

But, if you rewind a year or two…you will see that I had prayed for this…

And looking back now….I just laugh…and shake my head…because that’s all you can do. I literally asked for this giant.

A couple of years ago, as I was pursing a Network Marketing business…you would hear stories about how people were in this financial situation. They were hurting financially, and when they made the jump into Network Marketing…they needed a God miracle.

And one night…I remember praying to God. “Break my finances, God….and put me in a place where I need you. Break my finances and put our situation back together, help us start over from ground zero.”

I knew that I have never really been in that place of need and hurt. So, I never really jumped in like they did…because they had been in a different place than I had.

I also knew that, we honestly hadn’t been faithful with the little things. We hadn’t been faithful with the little bit we had been given, and if we couldn’t do that…how could we be trusted with the big blessings? If we weren’t faithful with the little, then when the big blessings came…it still wouldn’t be enough.

So, I wanted to be able to be trusted with the big, so that we could help others.

The Bible says: “If you are faithful in little things, you will be faithful in large ones. “ Luke 16:17

As I have mentioned before…I dream BIG. There is no small dream that crosses my mind.

And so, in that moment, I knew that I never really needed to depend on God in our finances in such a way that I had to worry in any way that it really hurt. I never needed to take a leap of faith, because I always leaned back on what was given in the natural.

Up until that point, we struggled, but we were comfortable- and God did always provide in some way or another, just when we needed it.

Over the last 2-3 years, God has shown us so much. We have learned so much.

And now, we are in a position where we are making the changes to set us up for long-term success.

And, waiting on God to slay this giant, once and for all.

Because, with prayer, action, and the Holy Spirit…God will have all the glory when this giant is slayed.

This is another one of those growth areas….

But, here is what we have done, so far…One Thing at a Time.

* A couple of years ago, my husband started working an extra part-time, work-from-home job so that I could stay home with our youngest when she was born.

* I went back to work for a year.

* We sold our house and downsized to Tiny Living. (There are other reasons for this, but that story is for another time.)

* I have started working jobs that can be on our time, flexible, and still contribute to household income. While also allowing for space to write, volunteer, and many others things that I love.

* Get rid of all monthly subscriptions or monthly bills that are not necessary and get back down to just the basics.

* Partner with referral and affiliate opportunities that come up- and I have to believe in their companies and products. I’m a big believer in multiple streams of income, and residual income. So, any chance I can take on that, and not have to invest a ton of money. I’m down. Again, as long as I love the product and company. What I love about these, is that they still take time to build. You have to put in hard work for reward…just like anything else. Anything worthwhile, takes time to build. And, as I do the hard work, the residual effect will take place in the long run. And if I do the hard work now, I don’t give up…the residual benefit will pay out later.

* I bought a budget wallet. If you want to know more about that-look up Dave Ramsey. Then look up a budget wallet on Amazon. Boom and done.

*Pray and allow God to do His thing. I literally asked to be in this position…(someone remind me next time to make sure I know what I’m asking for) and when He does…give the glory to God. (Again…I’m still learning how to do just that)

*Give faithfully- there’s a time and place for giving a God gift. A gift that is outside of what you can see there is room for. An outside of your comfort, I don’t see how God will make this work, but I’m going to do it, because He told me to gift. And then, there’s giving faithfully and consistently within your means. I’ve got the riskier one down-that one was hard. Now, it’s time to learn the latter. Equally hard, but in a different way.

There’s no way we could have taken all of this on at one time. We made changes slowly, over time.

If you find yourself walking along side me in this season, and you’re overwhelmed…

Remember…just one thing. Look up. Take a breath….seek God. And focus in on one thing you can change right now. Let God do the rest.

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