The Debt Struggle

I lease a car.  I know it goes against everything Dave Ramsey says, but I couldn’t help it.  I caved when I needed a new vehicle three years ago, and settled into my brand new Hyundai (which I adore by the way).  And now it’s time to make a decision on either leasing or purchasing.

When I went into the local dealership this morning, I spoke with the most amazing salesman.  We’ll call him Ricky.  (Which helps because that’s his actual name!)  Ricky was kind and funny, and he walked me through my options.  Peyton and I got a great chuckle when she insisted that any new vehicle we purchase needed a button start and an extra USB port, to which he replied, “Any other wants, Princess?”  He had watched me tease her about her desires for her own vehicle, and good-naturedly joined in the ribbing.

We had finally started talking numbers when the finance guy made his appearance. We’ll call him Finance Guy because I got upset enough to forget his name.  After much back and forth about what I was and wasn’t willing to negotiate, Finance Guy said to me, “You won’t really walk out over “$XXX, will you?”  And I promptly said yes, to which he replied, “Is money really that tight?”

For someone who’s never short of words, the FIRST words that came to my mind weren’t very friendly.  However, I replied to him that it wasn’t, but I had a budget and I was sticking to it.  “A $16 dollar difference may not be much to you, but I don’t need the car bad enough to go over my budget.”

At that point, Ricky very nicely offered me his card, and I told him I’ll get back to him.  This event made me realize I don’t want to lease, and when it’s time for me to actually HAVE to buy a car, I’ll definitely go to Ricky for my car needs.  Finance Guy won’t be invited.

This would never have been me years ago.  I was accustomed to buying what I wanted and credit cards always seemed like the best option to get what I wanted and when I wanted it.  A new pair of shoes?  Charge it!  Go out to eat at the fancy restaurant in the big city?  Put it on this card, please.  Darn…groceries were more than I thought.  Credit.

It was a never ending cycle.  Now, I’m not here to tout Dave Ramsey’s plan.  I DID attend Financial Peace University twice, and it was beneficial for me and my journey to being debt free.  What I want you to feel right now, is this:  you’re not alone.  I’ve been down this road.  There are things now that I pay for that others would think is crazy.  If I want to go to a movie, I go; and I get popcorn!  My Pop would call that popcorn a ridiculous purchase.  Other things, I’m not willing to give in and pay for.  If I can’t afford the fancy shoes by paying in cash, I just don’t get them.  I cut up and closed all of my credit cards…I don’t want the temptation.

Finance Guy thought that $16 was a non-issue and it quite possibly could be for some people.  But God tells me to be a good steward of my money.  I prayed about my car situation.  I felt God’s peace over a number.  I didn’t get it, so I walked away.

When I’m struggling with where my money should go and how I should be spending it, these verses always seems to come to mind:

The plans of the diligent lead surely to advantage, but everyone who is hasty comes surely to poverty. –Proverbs 21:5

Make sure that your character is free from the love of money, being content with what you have; -Hebrews 13:5a

If you struggle with that same problem—saving and spending in the right and God-honoring places—I encourage you to take this struggle to the cross.  Surrender your will regarding money at His feet, and ask Him to take on the burden for you.  He gladly will.

And here’s a quick practical tip that might help you when you’re in a store with a cart full of stuff you may not need.  If it’s not something I’ve already included in my budget, I walk around the store a little bit with it in my cart.  If I start second guessing whether or not I should buy it, I take it right back to its original home and walk away.  It’s not worth it if I’m questioning it at that moment!

What purchases do you struggle with that we can pray for?  I have an obsession with office supplies, namely pens and cool notebooks, so I’m literally having to ask Jesus to help me walk away from Staples or the supply section at Target on a daily basis! Share in the comments below.

~Erin

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