On February 6th, we'll be launching a Circle that will utilize Dave Ramsey's resource, Financial Peace University, to help us to think, plan, and practice biblically with our finances. By the end of this 9-week Circle, you will be equipped to budget, give, save, invest, and spend wisely. Contact Nathan to RSVP & pre-order the resources for this Circle.
Take a read of the McKnelly's story. It's a journey from debt to freedom and generosity:
What would it look like if we trusted more in God than in earthy things? What would it mean to make ourselves accountable for the money that God has entrusted to us?
Hebrews 5:13 says - Keep your lives free from the love of money and be content with what you have, because God has said, "Never will I leave you; never will I forsake you."
In 2011, our family found ourselves in just over $20,000 in debt. None of this was what some would call "good debt" like owning a house or getting a degree, but was from credit cards and car loans. We borrowed all this money and had nothing to show for it, but large interest payments and barely making ends meet at the end of the month. It was misuse of God's money, plain and simple. When we found ourselves with only $30 dollars left at the end of the month and all of our cards maxed out.... We decided to go to a finance class and get our spending under control. Through that class, we heard about the infamous Dave Ramsey and we were intrigued. After reading his book The Total Money Makeover we signed up for his online version of Financial Peace University. After taking the course we got on a budget, seeded our first emergency fund with $1000 and started throwing as much money as we could at our debt. We were debt free in April of 2012!
In our whole adult life, we were never able to make the claim of being debt free. Since getting a loan for our wedding, we've always had debt looming over us... so you can imagine how freeing it was to write that last check and be able to cut up all of our credit cards. We'll never be in debt like that again!
When we were in debt, we weren't able to give to our community. When we started our budget we were only able to give 1% of our income to tithes, and it was embarrassing. Essentially we were saying that our love of money & desire for stuff was more important than God, our own formation, the formation of our community, and the transformation of our context. We were poor stewards of the resources God had entrusted us with. When we were finally out of debt and able to write that first full tithe check, we felt like we heard God more clearly and no longer felt like we had a dark cloud of dread looming over us. We could freely worship and freely give because we weren't wasting our money on stupid stuff.
We want that for our community. We want the subject of finances not to be a source of dread, but of opportunity to give to His cause. Whether that be through tithing, mission work or giving the homeless guy down the street a warm meal. Worshiping God with our finances results in our formation and the flourishing of our context. Join this Circle and experience freedom.