Don’t look back

In my daily Bible reading, I’ve been working my way through a list in my Bible entitled “5 Minutes Reading About Women of the Bible.”  It’s been interesting as I’ve moved through the scriptures from Eve to Ruth, studying all the women in between.  This morning I read about Deborah (Judges 4:1-5:31).  Deborah told Barack to take ten thousand men and go up to Mount Tabor and defeat Sisera, who was oppressing the Israelites.  Barack told Deborah that he would only go if she would go with him.

“Very well,” Deborah said, “I will go with you.  But because of the way you are going about this, the honor will not be yours, for the Lord will hand Sisera over to a woman.”  Judges 4:9

Barack was unwilling to do God’s will and lead the way to Mount Tabor unless Deborah came along with him.  I don’t know why he felt this way.  Perhaps he lacked courage or faith?  For whatever reason, he refused to do God’s work without Deborah by his side.  So God took the honor from him and gave it to someone else…a woman who otherwise would not have been part of the story.

Brad and I are currently discussing two different positions in two very different areas.  One job has very little funding, while the other job is on the opposite side of the country.  As we discuss new jobs and options for the future, we’re often tempted to spend our time discussing the past.  We wonder what might have been and what should have happened.  We second-guess ourselves, and long to return and fix the past.  Did we lack courage or faith?  Did we do something to cause God to take the honor from us?

In the story of Lot’s wife, looking back was direct disobedience to God’s instructions:

“Flee for your lives!  Don’t look back, and don’t stop anywhere in the plain!  Flee to the mountains or you will be swept away!”  Genesis 19:17

“But Lot’s wife looked back, and she became a pillar of salt.”  Genesis 19:26

We don’t know what God has planned ahead for us.  Surely there is no sin in remembering our past and learning from our experiences.  Yet, we are not called to return and rest in what it comfortable and familiar.  We are not called to spend our days longing for a past that cannot be.  We must not linger, trifle, or hanker for the things we have left behind.  In Matthew Henry‘s words, “Reach toward Christ and heaven, for that is escaping to the mountain, short of which we must not stop.”

As we interview for new jobs for the fall, I pray that we will be obedient, faithful, and courageous in going where God leads.  May we keep reaching toward Christ and heaven, without stopping or looking back.

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Our 4th of July Stay-cation

Last week Brad and I were making plans to attend Creation 2011 in Mount Union, Pennsylvania.  After some more research though, we realized that the cost of tickets, food, and gas to get there would cost us at least $250-$300.  (Creation is much less expensive if you plan further in advance…and much easier if your children are older than ours.)  That was more than half of the money we had budgeted, and we still have vacation time with our families later this summer!  On top of that, we had to buy new tires for one of our cars, which was an unexpected expense.

So we decided instead to have a stay-cation, and stick closer to home.  Here are a few photos of our inexpensive stay-cation!

Day #1: On Friday (July 1) I had to take Naomi for her two-year-old check-up.  After the doctor, we headed for the park.

When we finished visiting with the ducks along the creek, we headed over to the wading pool to cool off!  Cost: $6 for pool admittance.

Day #2: On Saturday (July 2) we packed up the kids for a day at the National Zoo in Washington D.C.  We had a great time, despite the heat.   Naomi loved the tortoises, lions, tigers, gorillas, panda, and birds.  She was scared of the elephants at first (and ran away in tears), but warmed up to them eventually.  We packed our lunches and ate along the way.  Cost: $20 for parking, and fuel for the car.

Day #3: On Sunday (July 3) we went to church, and then headed over to Brad’s best friend Michael’s house for their annual 4th of July picnic.  As always, there was plenty of food to go around, and Michael planned games for all the kids.  Brad enjoyed challenging Michael to a badminton tournament, and Naomi enjoyed following the older kids everywhere.  Cost: FREE!

Day #4: On Monday (July 4) I moved the kids’ car-seats into my parents’ van to visit my Dad’s family in Baltimore, Maryland.  It was great to see my Dad’s brother, sister, nieces, nephews, and cousins, many of whom had not met my children yet.  When the afternoon potluck was over, we went to the park for the annual fireworks show.  We had a great time despite the rain, and the kids watched the “pretty lights” in awe.  Cost: FREE!

Day #5: On Tuesday (July 5) I had the unexpected pleasure of a mini-reunion with two of my college roommates.  Cheryl (from Ontario, Canada) was visiting Clarissa (from Washington state).  I was surprised to find out that Clarissa had moved to Washington D.C. three years ago, with her husband and now one-year-old son.  So we had a delightful reunion at Panera Bread.  Cost: $13 for two meals, and fuel for the car.

Have you ever had a stay-cation?  What did you do to make your 4th of July special this year?

How to Get a Good Price for Tires

Roy Lichtenstein's Tire

First, I will issue a disclaimer: I am not an expert on tires.  But today I had to find a good deal on tires.  Our second car (the one we’ve been thinking of selling for some time now) blew a tire, and the mechanic informed us that the other three were dry-rotted as well.  He offered to put four new tires on our car for $540.00. As usual, I decided to look around for the best deal.  You can use this same strategy for whatever you are buying, from car insurance to washing machines.

1. Identify What You Need. Find out what specifications you need in your new purchase.  Do you really need four tires, or only two?  What are the year, make, and model of your vehicle?  What are the tire’s measurements and serial number?  How many miles do you hope to log on these tires?

2. Google It: I typed in “Cheap Tires” and my zipcode, and I got a plethora of choices.

3. Ask Around: My Dad suggested a place known to have Buy-3-Get-1-Free Sales.  I posted my interests on Facebook, and received lots of suggestions from friends.

4. Call Around: I called 9 different places to ask for estimates.  Two of them didn’t even bother to pick up the phone!  I wrote each phone number and the information I collected on a separate post-it note to make comparisons and call-backs easier.

5. Compare Apples to Apples: Different businesses offer different discounts, warranties, installment options, tire disposal, and perks (like oil changes).  Make sure you’re comparing like items.  Also make sure that taxes are included in your estimate.

6. Call Back and Ask for Price Matching. I was quoted the following amounts for four new tires: $540.00, $503.51, $455.00, $446.20, $442.00, $414.52, $410.00, and $397.47.  So I called the last few who agreed to price match.

7. Ask about discounts and perks. I asked if there were discounts for paying in cash, paying up front, or if they might include an oil change (Thanks Sarah for suggesting the last item!).  One business agreed to include the oil change for the same price if we completed a rewards card application (which we would cancel immediately), and another business agreed to match the other company with tires and an oil change at the same price.

8. Look on-line for coupons. It turned out that one business had an on-line coupon for $50 off a purchase of $200 or more (Thanks again Sarah!).   The final price?  $364.42 for 4 new tires and an oil change.  I saved $175.58 and got an oil change too!  $378.74 for 4 tires, 1/2 off the cost of the oil change, and a coupon for a free oil change to be used on either of our vehicles in the future.  I saved $161.26 and got 2 oil changes too!

9. Rejoice! It’s never fun to have to make a large un-planned purchase, but you can be happy knowing you did your best to make it affordable for you and your family!

What are some ways you’ve found to save money on tires or other large purchases?

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This Week’s FREE Stuff!

This week there were some large freebies in my mailbox!  Among them were:

 

What freebies were in your mailbox this week?

June 24, 2011: Gratitude

Yesterday, I sat on the front porch swing reading a book, with Oliver sitting beside me.  I twiddled a pencil in my fingers while he gnawed on the fingers of my other hand.  It was warm, but there was a light breeze.  The neighbor across the street mowed his lawn, and white clouds drifted lazily across the blue sky.

Naomi popped her head out of the front door suddenly, and I called her name.  For a moment she looked about, unable to see me.  When she spotted me, her eyes lit up with delight.  Brad stepped out behind her, and I urged him to show her a dove hunting through the grass.  She ran to me excitedly naming things she saw and heard around her.  “Bird!”  “Walk!” “Noise!”  “Bubbles!”  “Oliver!”  She clambered up on the swing next to me and I blew bubbles for the two of them.  Oliver squinted, unsure of the floating spheres around his face.  Naomi squealed and giggled, smacking the bubbles hard in a spray of soapy sparkles.

And I gave thanks for this great life, for my wonderful family, and I felt deeply joyful.

I’ve been reading this great book lately, “One Thousand Gifts” by Ann Voskamp.  It’s one of the best books I’ve read recently.  It’s like reading Ann’s heart, Ann’s prayers, and Ann’s struggles.  And for me, it’s like reading an autobiography.  Not that we share the same life, but we share the same questions and same longings.  To oversimplify the book, Ann is challenged to make a list of 1,000 gifts, or blessings.  As her list grows, so does her joy and her faith.  She realizes that eucharisteo, or thanksgiving, is the key to grace and joy.  Her worry, anxiety, and anger diminishes even though her circumstances do not change.

Ann ponders, “If authentic, saving belief is the act of trusting, then to choose stress is an act of disbelief…atheism.  Anything less than gratitude and trust is practical atheism.  Perhaps the opposite of faith is not doubt.  Perhaps the opposite of faith is fear.  To lack faith perhaps isn’t as much an intellectual disbelief in the existence of God as fear and distrust that there is a good God.  If I don’t emotionally believe, practically believe, in the goodness of God, am I a believer?”

And then she has an epiphany, “Thanks is what builds trust.  How do you count on life when the hopes don’t add up?  The hopes don’t have to add up.  The blessings do.  Count blessings and discover Who can be counted on.”

This season of unemployment has been one of the most trying times in our lives.  It has tested our relationships, our friendships, our marriage, and our sanity.  I have lost sleep for nights on end, and gone through days with heart pounding, limbs limp with exhaustion.  And that was before we had Oliver!  Have I been living the life of the practical atheist?  In my fear, have I chosen to disbelieve the God who loves me unconditionally?

This afternoon, I dragged out the empty plastic turtle sandbox and filled it with water from the hose.  I gathered up towels and toys, lunch and my camera.  The kids and I donned swimsuits and sunscreen, and we hosted a private pool party in the backyard.  Oliver sat in the cold water sucking on toys, while Naomi watered the plants with the hose and her bucket.  After eating, she dragged her doll up to the sand pit and used her shovels to cover the doll in sand.  I ate my lunch, watching the kids play, enjoying the warm sun on my back, and thought, “Now this is the life.”

My life has not changed drastically in the past 9 months that we’ve been living with my parents.  But my heart is changing.  I can choose bitterness, anger, fear, and stress.  Or I can choose grace, thanksgiving, gratitude, and joy.  I can choose to look around me, and see the gifts and the blessings surrounding us.

So today I choose thanksgiving.

Today I choose to believe.

This Week’s FREE Stuff!

There wasn’t much in my mailbox last week, so I held off until I had a little more to show you.  As you can see above, we received some fun things!

 

What free stuff showed up in your mailbox this week?

Our Financial Goals: Paying Off Debt (June 2011)

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When Brad and I were married 5 1/2 years ago, we each brought a lot of (student loan) debt baggage.

And then we bought more.

 

Honestly, we weren’t trying to be irresponsible.  We just did what we saw everyone else doing.  We had two incomes, no children, and we were incurring “smart debt.”  (What an oxymoron!)

Together, we had $70,000 in student debt (3 loans).

Then we bought a house with two mortgages for $150,000.

When Brad’s car died, we spent $18,000 on a used pick-up truck.

Before you knew it, we had $238,000 in debt!

 

So we got serious about our debt and paid off most of my graduate school bills as I incurred them (without interest).

We lived as if we had one income, and put the other income into our debts.

Then we moved to China as the American economy plummeted, and our house’s value turned “upside-down.”

Then we heard about Dave Ramsey’s Debt Snowball.

We paid the truck off as fast as we could, finishing in winter 2010.

When Brad was laid off, we moved in with my parents.

We paid off the two smallest student loans this past winter using our tax refund.

We also put a large payment into our smaller mortgage, with the highest interest rate.

Our next goal is to pay off the remaining $15,000 on the smaller mortgage.

 

As of today, we owe $26,000 on our last student loan.

We still owe $124,000 toward our two mortgages.

So we are $150,000 away from being 100% debt free,

And we are $41,000 away from paying off everything but our larger mortgage payment!

 

We have paid off $88,000 in debt (not including interest) in 5 1/2 years!

So we haven’t done too badly for being in full-time ministry for 3 years, half salary for 6 months, unemployed (or underemployed) for 9 months, and living on one income while adding two children over the last 2 years.  We could not have done it without the support of our family and friends (and even strangers!), and God’s generous provision.

We are so excited for the day when we can do ministry without the hindrances of debt!

If there were any financial advice we would offer to those preparing to enter ministry or non-profit work, it would be this: “Be Debt-Free!”

 

What are your financial goals and how are you accomplishing them?

 

FREE Stuff: Weekly Staff Party

Every Thursday for the past month, I have packed the kids up for an afternoon of fun at “Daddy’s Work.” Naomi can tell you that Daddy works at the “Water,” also called the “Pool.”  They “Jump” and eat “Pizza” and sneak “Tookies” (cookies) when Mommy’s not looking.  There is also a Water “Slide” and a Moon Bounce full of “Balls.”  Naomi likes to watch the “Kids” (Staff) play volleyball and basketball.  Sometimes we even spot a “Horse”!  Today Oliver teethed on a watermelon rind while Naomi spent most of the time in the pool with Daddy.  We love getting to see where Daddy works, interact with his coworkers, and play together as a family once a week!

Here are a few other free or inexpensive aspects to this weekly expedition:

 

 

What fun and inexpensive activities do you enjoy in the summer months?

 

FREE Stuff: The Baby Doll Stroller

Last week I advertised on Facebook that I was in the market for some inexpensive toys, as Naomi is approaching her second birthday.  She loves play kitchens, dollhouses, play gardens, and play houses.  I received a lot of suggestions, including Craigslist, Amazon, E-bay, Goodwill, Freecycle, Yard Sales, and homemade designs.  However, Rebekah (a high school classmate) actually had a baby doll stroller that her daughter owned but had rarely ever used.  She said that Naomi was welcome to have it if I would stop by and pick it up. We also figured out that we’re practically next door neighbors.  Isn’t the stroller just adorable?  I think Naomi will absolutely love it!

UPDATE: Not only did Naomi love it, but she hasn’t let it out of her sight!  She pushed her babies upstairs, downstairs, and outside.  she repeatedly told me, “RUN!” because Daddy takes her running with him in the stroller.  Her first word when she woke from her nap, and her last word before she went to bed at night was “Stroller…” Thanks again Rebekah, from one very pleased little girl.  🙂

The Drugstore Game: Failure & Success

Well, let’s just say it wasn’t pretty.

My mom agreed to watch the kids so that I could go shopping.  I had my CVS card, advertisement, notes, and coupons in hand.  However, I forgot my Extra Care Bucks. A fact which I didn’t realize until I reached the register.  I should have just stopped there and gone home.

1. I bought Zyrtec (5 ct) for $5.99.  I used a $2/1 coupon printableI was supposed to use 2 ECBs (which I left at home, and later realized I had misplaced entirely). I paid $3.99 and got 5.99 ECBs.

2. I used the 5.99 ECBs to buy 1 Hydro 5 Razor using a $4.00/1 coupon (6/12 Smart Source) and 2 Mitchum Deodorants with 2 $0.75/1 coupons (6/12 Smart Source).  I spent $1.21 and got 4 ECBs for the Razor.

So I spent $5.22 and walked away with 4 ECBs.  I was kicking myself for forgetting my 2 ECBs at home.  Why did I spend over $5 for deoderant and Zyrtec that I didn’t need?

So I went back.

1. I returned my Zyrtec, and received $3.99 and a $2.00 CVS gift card.

2. I returned one deodorant, and received $2.11 back.

I recieved $8.10 total back.

Hmm…I’m not a math genius, but…

It seems that I got $0.88, a $2 CVS Gift Card, 4 ECBs, a razor, and a deodorant out of my 2 trips today, without spending any money out of pocket.

I did voice my confusion to the man at the register, but he would not be swayed. 

Although I was still pleased with the end result today, I’m hoping next week I will remember everything, and be more organized!

 

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