#2 Make a debt-free plan {52 bites}
This week I wrote the Sacred Mundane chapters on money. Yes, chapters. I thought there’d only be one, but it became quickly apparent that Jesus has plenty to say on this topic so I should too. And since our hearts go wherever our money is, and since giving goes straight to the jugular of greed, this topic is critical to embracing the truly sacred mundane life. If anything matters, money matters.
If our hearts go where our money is, I’d rather not someone else own the deed to my heart. Not that debt is selling our souls to the devil, but is it any wonder that our nation’s spiritual condition and financial condition are related? We are drowning in debt and spiritually bankrupt all at the same time. Tsh Oxenreider begins this chapter like this:
It’s about as straightforward as you can get—if you’re in debt to someone else, you’re in bondage. And that bondage keeps you from living the life you want, the one that feels right in your own skin. Until you’re debt-free, you just can’t live as simply as you want.
So true. Even though I don’t love renting, there is something freeing about knowing we owe no one anything. Perhaps we will have a mortgage again someday, but something I read by Larry Burkett last year really stood out to me. He explained that although debt isn’t recommended in scripture, it isn’t absolutely prohibited. In the Old Testament, provision was made to release people from debt every seven years. Then, of course, after seven sevens, they enjoyed the year of Jubilee. But even just after seven years, debts were cancelled. In other words, accruing debt was a legitimate method used to help those in need, but …
… it wasn’t meant to last long.
It was intended as temporary help, not as a permanent state.
Today, the “normal” mortgage length is 30 years. THIRTY years. That’s almost one’s entire adult, working life-time. If a child grows up in a 30-year mortgage family, then gets a 30-year mortgage himself, that means that almost his entire life is spent paying off debt. I don’t know…
Please hear my heart: Not throwing mortgage stones. Not throwing debt stones. The purpose of this post isn’t to make you feel bad about debt. I understand it is often unavoidable, and some of you (you know who you are) have heard me cheering for you from the sidelines as you work hard to pay off that debt.
My heart here is to look at our “norms” with new eyes. For us, one of our goals, Lord willing, is to someday purchase a home that we can pay off in seven years or less. (OR save up and buy one cash.) Yes, that gives us a very, very low price range. Oh well.
The purpose of this Bite is that you would make a Debt-Free Plan. Note that it isn’t that you’ll be debt free. The idea is that you work toward it. That might mean, like some people we know, moving in with your friends part-time. 🙂 That might mean selling your house. That might mean following Dave Ramsey’s Financial Steps, using the snowball effect to pay off debt. Do whatever it takes today to move toward life debt-free. Where to start? Here are some ideas:
- Dave Ramsey’s Total Money Makeover
- Snowball Plan for Paying off Debt
- Tsh’s basic get-out-of-debt plan
- Tsh’s Financial Roadmap
We’ll be talking about more of these steps in future Bites, for now, let’s think about debt, why we have it, and how we can get out of it. Please know I’m cheering you on from the sidelines! Thanks for reading.
When you really want to be beautiful …
Today we have the joy of talking beauty over with Caila. You all remember her, our beloved guest poster? Well she’s doing a fabulous REAListic fitness and beauty challenge, helping REAL women embrace REAL beauty. I love her heart and vision for this project, so head on over there with me today and enjoy this little excerpt from Sacred Mundane. And while you’re there, check out her life and sewing adventures. She’s a gal worth following … thanks for reading.
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Every experience of beauty points to eternity.
-Hans Urs von Balthasar
We all want to be beautiful women. We might shun cosmetics and hate high-heels—and that’s fine—but no matter what our dress or sense of style, we all want to be beautiful. We want to be pleasing to God and others. How? … {Read the rest here}
Trading Mommy Guilt for Mommy Grace
Thanks, reader Michelle, for your thoughts on this topic to which we can all relate a little too well!
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In a society of parenting magazines and books galore, guilt rings loud from every corner: the food we buy or don’t, the time we spend or don’t, the activities we choose or don’t.
And that is how I found myself Googling up a storm:
- “how to play with a toddler”
- “what activities to do with a toddler”
- “how much time to play with a toddler”
I struggle with getting down on the floor to play. We spend plenty of time out for walks, washing dishes, reading stacks of books, eating together. But plop me on the floor with a pile of Duplos and stuffed animals? My attention span shrinks to that of a goldfish.
I love my little girl. I love her onomatopoeia- and food-centric vocabulary. I love the pride she takes in putting things in the trash all by herself. I love her giggles, her hugs…everything about this child. And so I find myself often worrying: if I love her, why don’t I play with her more? Doesn’t she need that from me?
Then one day, my little one started a new game. She put a felt tomato in a pot and brought it from her play kitchen to the ottoman. After warning me it was hot, she set it down and folded her hands.
And she waited for me to pray for her felt tomato.
Stunned, I folded my own hands and bowed my head. “Father, thank You for this food and for this day, Amen.”
“Amen!” she squealed, completely delighted.
My prayer had not been long or pretty or even particularly inspiring. But that didn’t stop my little girl from asking for another one.
And so a new game began. Here, there, and anywhere in our day, my daughter would stop and want to pray. “Pway!” I would hear and watch her shiny grin as she folded her hands and waited for me to begin. We thanked Jesus for Papa, for the sunshine, for our snack, for the great deal on pasta sauce…whatever was at hand or on my mind.
We asked God to show us how to use our time, how to love others, how to minister to this or that person. We prayed for our church’s missionaries. We prayed for the boy we sponsor through Compassion.
And then I had one of those days. One of those husband working late, the laundry monster is hungry, not feeling well, and the little one’s teething kind of days. After spinning my wheels and getting nowhere, I looked down in my daughter’s eyes and knew I had to change courses.
I sat down beside her on the floor, next to the drying rack filled with damp shirts and diapers. “Mama’s having a bad day…can I pray?”
Like a little sage, she nodded and waited. My tears poured out with words of struggle and hurt and exhaustion. I don’t recall the words, but I still remember the peace I felt afterward as I hugged my baby girl near.
She doesn’t ask to pray as often anymore, but when she does, I tell her to do the talking. “Tankoo” kicks off a string of sweet baby babble that melts my heart, even though I don’t understand a word of it.
I still need to put forth the effort to play with my daughter, to love on her by playing dolls and blocks, but watching her bow her head at the dinner table or fold her hands in her crib while Papa prays before bed remind me that God can use even imperfect mommies like me to reach His children.
{I love how Michelle traded mama-guilt for mama-grace when she embraced the sacred mundane by simply praying with and for her girl. Everything is “play” to children if we do it with joy and grace. Thanks for reading.}
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Michelle Jorgenson is mother to one dainty toddler girl and wife to a professor-in-training. She spends naptime spinning yarns and her first novel, Regardless, chronicles the life of a believer in the early church as he brushes shoulders with real people from the Bible.
The gospel: Free
“I’m searching for God.”
“I found God.”
We often hear these statements, don’t we? But true conversion is always that God found us. Jesus seeks and saves. In Galatians 1:15 Paul says that God “called me by His grace.” Our part is to receive the free gift of grace. That is what it means to believe the gospel.
The true gospel is free.
The true gospel is the gospel of grace. Grace by definition is a free gift. It cannot be earned or paid for or it’s no longer grace.
If we believe that we are somehow responsible for our own salvation we don’t understand the FREE gift of grace. We don’t really understand the gospel.
So Paul, in Galatians 1, understood that His salvation was a free gift. Paul was not looking for Jesus, Paul was going the opposite direction of grace and yet grace found him and turned his life around.
Religion is man’s attempt to earn his way up to God. We try to make ourselves the hero. In the gospel of grace, God does what we could never do. He reaches down from heaven and gathers us up to Him because of grace. He comes to us because we could never earn our way to Him.
Jesus is the hero of the story.
And that’s not just Paul’s story: Every single one of us who has believed the gospel have been save by grace when we were going the opposite direction.
That’s how He found me.
I wasn’t seeking God. At all. I had tucked God in my back pocket and was content to live a self-centered, pleasure-pursuing, outwardly-righteous life. At 18-years-old everything on the outside looked great, but I was well on my way to becoming the god of my own life, and I now shudder to think of where that would have taken me.
Paul was on his way to a ruinous life. And so was I.
But God. (de theos)
But God, being rich in mercy, because of His great love with which he loved us, even when we were dead in trespasses, made us alive together with Christ … for by grace you have been saved through faith. And this is not your own doing; it is the gift of God, not a result of works, so that no one may boast. (Eph 2:4-9)
But God came after me. But the FREE gospel rescued me. I was going the opposite direction and He arrested my life into His service.
Jeff’s story is the same. He literally ditched the guy who was supposed to talk to Jeff about God. Jeff ran away from God, was not seeking Him, and yet God, through this campus missionary, sought after him, came to Jeff’s house, came to his room, sat down and told Jeff the glorious good news of the gospel. He believed the gospel and was saved. By grace.
By grace you have been saved. No matter what your story, if you have believed the gospel, you have received a FREE gift, you have not earned it. The gospel is free.
How does that impact you today?
{Thanks for reading.}





