Embrace the Process to Financial Freedom

Jan 19, 2012
Embrace the Process to Financial Freedom

Did You Know That You Are a Farmer?

It’s that time of year – the beginning of the year when many people make resolutions to do something better in the New Year.  A common resolution is “This year I will do better at saving money” or something along those lines. That is a wonderful goal and we should all strive to be good stewards of the resources God provides us with. However, that goal defines what the destination is, but not the process of getting there. Our God is not just about the finished product, He is very much about the process; and the process is often something many people aren’t interested in –we just want to get there. The Pastor of our church recently gave this example: You don’t see the farmer suddenly show up in his field in the fall with his harvesting equipment without having been in the field every day spring through summer. No, you see the farmer first out sowing the seeds, then watering, tending to the young plants, removing weeds and doing all of the other necessary tasks in hopes of a bountiful harvest in the fall. The farmer can’t simply have a good harvest without going through the process of preparing for it. The same is true for our finances. We cannot have abundant wealth without going through the process of working to obtain it. God honors our hard work and diligent obedience to the process. How many times have you heard the story of the person who suddenly wins the lottery – and then loses everything years later? If the person has not prepared for the wealth, often times it will go just as easily as it came. Seldom does anything worthwhile come easy. It is that old saying “Faith makes things possible, not easy.” So in order to do better at saving money, it is necessary to start the process. Here are some tips for getting started.
Get real with your money – make a budget. It was absolutely necessary to know what amount of money is coming in to your household and what amount of money is going out. If you add up all that is scheduled to go out and it is more than you have coming in then you need to make some adjustments. This might mean getting a second job or canceling your cable or cell phone service. You can’t pay what you don’t have. And you can’t spend more than you have coming in. Living in debt makes a person a slave to the lender (Proverbs 22:7).
Shop with purpose. Make a list when you are going shopping and stick to it. When you make a list you resist the temptation to impulse shop for things that you more than likely don’t need.
Shop with coupons. Coupons are available for just about anything if you know where to look and you can save a lot of money by using them wisely. Not only are coupons available in the Sunday paper, but also at www.coupons.com, www.target.com, www.smartsource.com, www.redplum.com, and www.couponnetwork.com to name a few. Also learn a store’s coupon policy. For example, at Target you can combine a Target Web Coupon with a manufacturer’s coupon – bonus! Just don’t get lulled into buying something just because you have a coupon for it – make sure it is something that you really need.
Start saving - even it if is just a small amount. Every little bit counts. If you start with just a nickel a day in a jar, it will add up. If you usually buy your coffee on the way to work, start making it at home and taking it with you and put the amount that you would have spent on your coffee into your savings jar.
Don’t try to keep up with anyone. Try and remember that the “stuff” of this world is just “stuff”. If you are trying to keep up with your neighbor that has the new car, the new house, etc. you will always be chasing after something else and will never be satisfied. Sure it is nice to have something new and if there is something you are really wanting, engage the process: put it on your list, start saving for it and when you have saved enough for it, then you can get it. Having exercised the discipline to get the item without going in to debt for it will make the reward that much sweeter.

Proverbs 21:5(AKJV) The thoughts of the diligent tend only to plenty; but the thoughts of everyone who is hasty only to poverty.
1 Chronicles 28:20(NIV)  David also said to Solomon his son, “Be strong and courageous, and do the work. Do not be afraid or discouraged, for the Lord God, my God, is with you. He will not fail you or forsake you until all the work for the service of the temple of the Lord is finished.

Article Submitted by Crystal, Microbiologist turned Home Engineer. She is a successful wife and mother to 1 son.

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