It's funny how God can turn your weaknesses around completely.
I was sitting in my first International Finance class tonight and loving it when I thought about how I would have hated that class before. Up until a few years ago I had no interest in financial things.
This showed in my own finances. Actually, between years of car problems, travelling, and college I ended racking up, like so many Americans, credit card debt that plagued my life from before I even turned 18. And then it just grew. I should have paid it off with the funds I earned from working those several highly profitable summers in Alaska, but again I squandered my earnings because I was so terrible at money management. Knowing what I know now I wish I could go back...I would have done a lot of things differently with that money. Ugh.
When I got back from Paris I told God that I would do whatever it took to get rid of pile of debt. To my mind, I thought that meant that maybe He'd provide me with a well-paying job so I could just knock it out. He didn't. Actually, He provided me with rent-free living arrangements for almost a year and then two minimum wage (plus tips) jobs at a coffee shop and a little local French restaurant.
I went to a friend of mine who was a) really good with this kind of thing and b) good at teaching it. It was a very humble moment of my life to take this problem of mine to her. She sat down with me and we came up with a plan. Now that I know how to do it, it's a wonder to me how I could have missed how logical it all is. All that money I wasted...
Anyway I worked for every dollar to pay that debt off. I would come home from being on my feet all day just achey and exhausted physically, and drained relationally (customer service is taxing on the people front). I was in such a waiting period, I remember that year being hard even beyond the debt issue. But I see now that one of the things God was teaching me was the value of a dollar earned. I worked so hard to pay off that chunk of money I'd already spent. I'll never forget that.
I remember I would get off work at the coffee shop or the restaurant and I would deposit every dollar of what ever tips I made. After every shift I was driving up to the ATM near my house and depositing my cash. And then I would write down how much I deposited. Even if it was $20. And then I would literally write down every cent that I spent and scrimped and sacrificed on how and what I ate--and where I ate. Kristie was amazing walking me through that whole thing. It took me only an amazing 10 months.
By the time I had paid it I was working at the DA's office and other things in my life were becoming somewhat clearer too. But, to this day I haven't forgotten that season. And actually I still write down everything I spend. There's something about actually taking the doing the math myself that makes the whole thing click for me. And I've noticed that it's made me start to look at money in general differently.
For instance, I do have to live on loans now through school, but I can't wait to have income when I'm done and pay off all I'm forced to spent to live during this time in school. That thought would never enter my mind in undergrad. Every semester I'm so, so grateful for the amazing scholarship that I was given--every time I see what was written off in my bill. God is good.
I now have no shame in shopping at discount food stores, though I am picky about eating fairly organic, non-processed and stuff. I get what I can cheaply and go elsewhere if I have to afterward. I cook meals ahead of time and eat them all week...I shop at the thrift store and online for the cheapest prices. I have this "being poor" thing down.
But all of that to say that my grueling experience of paying the debt I accrued through thoughtless, irresponsible spending has made me so much more conscious of finances and therefore the financial world that now I find it so interesting I'm actually sitting in an International Finance course in law school. And enjoying it! This never would have happened without that experience.
I'm just amazed at this small little theme of redemption in this sliver of my narrative. He often redeems our weaknesses and often they become our strengths. I wouldn't say finance is a "strength" of mine yet, but who knows, maybe I'll get there.
He doesn't really give up, after all. ;)
(Day 16)
I was sitting in my first International Finance class tonight and loving it when I thought about how I would have hated that class before. Up until a few years ago I had no interest in financial things.
This showed in my own finances. Actually, between years of car problems, travelling, and college I ended racking up, like so many Americans, credit card debt that plagued my life from before I even turned 18. And then it just grew. I should have paid it off with the funds I earned from working those several highly profitable summers in Alaska, but again I squandered my earnings because I was so terrible at money management. Knowing what I know now I wish I could go back...I would have done a lot of things differently with that money. Ugh.
When I got back from Paris I told God that I would do whatever it took to get rid of pile of debt. To my mind, I thought that meant that maybe He'd provide me with a well-paying job so I could just knock it out. He didn't. Actually, He provided me with rent-free living arrangements for almost a year and then two minimum wage (plus tips) jobs at a coffee shop and a little local French restaurant.
I went to a friend of mine who was a) really good with this kind of thing and b) good at teaching it. It was a very humble moment of my life to take this problem of mine to her. She sat down with me and we came up with a plan. Now that I know how to do it, it's a wonder to me how I could have missed how logical it all is. All that money I wasted...
Anyway I worked for every dollar to pay that debt off. I would come home from being on my feet all day just achey and exhausted physically, and drained relationally (customer service is taxing on the people front). I was in such a waiting period, I remember that year being hard even beyond the debt issue. But I see now that one of the things God was teaching me was the value of a dollar earned. I worked so hard to pay off that chunk of money I'd already spent. I'll never forget that.
I remember I would get off work at the coffee shop or the restaurant and I would deposit every dollar of what ever tips I made. After every shift I was driving up to the ATM near my house and depositing my cash. And then I would write down how much I deposited. Even if it was $20. And then I would literally write down every cent that I spent and scrimped and sacrificed on how and what I ate--and where I ate. Kristie was amazing walking me through that whole thing. It took me only an amazing 10 months.
By the time I had paid it I was working at the DA's office and other things in my life were becoming somewhat clearer too. But, to this day I haven't forgotten that season. And actually I still write down everything I spend. There's something about actually taking the doing the math myself that makes the whole thing click for me. And I've noticed that it's made me start to look at money in general differently.
For instance, I do have to live on loans now through school, but I can't wait to have income when I'm done and pay off all I'm forced to spent to live during this time in school. That thought would never enter my mind in undergrad. Every semester I'm so, so grateful for the amazing scholarship that I was given--every time I see what was written off in my bill. God is good.
I now have no shame in shopping at discount food stores, though I am picky about eating fairly organic, non-processed and stuff. I get what I can cheaply and go elsewhere if I have to afterward. I cook meals ahead of time and eat them all week...I shop at the thrift store and online for the cheapest prices. I have this "being poor" thing down.
But all of that to say that my grueling experience of paying the debt I accrued through thoughtless, irresponsible spending has made me so much more conscious of finances and therefore the financial world that now I find it so interesting I'm actually sitting in an International Finance course in law school. And enjoying it! This never would have happened without that experience.
I'm just amazed at this small little theme of redemption in this sliver of my narrative. He often redeems our weaknesses and often they become our strengths. I wouldn't say finance is a "strength" of mine yet, but who knows, maybe I'll get there.
He doesn't really give up, after all. ;)
(Day 16)