#reverb14 is a prompt-a-day series for the month of December that is meant to give us all the chance to reflect on 2014 and the opportunity to write down our hopes and dreams for the coming year. Through December 31st Meredith,Sarah and I will be posting each day with a new prompt. Join us by writing, or join us by reading. No matter what you choose, come with us.
Money: Where did you spend your money this year? Did you save it instead? What, if anything, would you like to do with your finances this year?
13 She selects wool and flax
and works with eager hands.
14 She is like the merchant ships,
bringing her food from afar.
15 She gets up while it is still night;
she provides food for her family
and portions for her female servants.
16 She considers a field and buys it;
out of her earnings she plants a vineyard.
17 She sets about her work vigorously;
her arms are strong for her tasks.
18 She sees that her trading is profitable,
and her lamp does not go out at night.
I love what Proverbs 31 describes, when it lists the qualities of the noble wife. She does not sit idly waiting for her husband, but rather she is an industrious and active manager of her household and her family’s finances.
This year, I lead Marcus in the slashing of our cable bill and our car insurance bills to the tune of a grand total of $850. I got (more) life insurance. And then we bought a lot of other insurance because the time to do that is when you don’t really need it.
The most exciting thing we did was to increase the amount of money in our charitable giving budget. And we were really quite excited about that (and quite proud) of our ability to expand our spending in that area.
So you know, a lot of conspicuous consumption.
Saving money is really important to us. Being financially secure and financially free is important to us. I also know that outside of basic bills (mortgage, phone, electricity, heat, etc.) I am generally the one who makes or suggests purchases for our home be it creating our weekly meal plan and grocery list, shopping for clothing, or looking for ways to improve our home. So when I look at our budget versus what we’re actually doing with our money, I am always trying to determine if we’re spending out money in the best way and if we’re stewarding that resource in the way that is going to allow us the maximum amount of impact in the future.
Money is not just a right now thing and it can be really hard for us to remember that our purchasing decisions aren’t made in a vacuum, especially when it comes to the quick trips to the store and the small online purchases. But the decisions that we are making right now are a five years from now thing and a 10 years from now thing and a 25 years from now thing. That’s exciting and terrifying to think about all at the same time.
Does that mean that we are handling our money perfectly? No. But I like to think that we do the best that we can with what we have.