Category Archives: Musings

tn_fanatic_money

Smoke Screen Stewardship Questions

A little more than a week ago, I posted a blog which I whimsically entitled Daylight Savings Time. A rather feeble play on words, I attempted to explore an innovative new idea I discovered: saving money and getting out of debt. I was astounded by the number and quality of responses we received in the form of comments and personal e-mails. It turns out that a large number of people are rather passionate about this subject.

Fanatic about debt reduction
Not one of our actual readers.

“Whoa, there,” I thought. “Most of these people are serious about paying off debt. Some of them think we should actually get rid of our credit cards!” I pulled up a browser window and shopped a while at NewEgg.com until I regained my composure.

Let’s face it: I like having credit cards. I like the feeling of power they engender, and the illusion of value and wealth. I enjoy the convenience and the ease with which I am separated from my money. I value the increasingly-worthless airline miles I earn when I engage in serious borrowing. I even like the mail they send me:

“Dear Tim,” they write. “We’ve noticed that you haven’t reached full indentured-servanthood yet, in terms of the amount you owe us, which is slightly less than Argentina owed to the World Bank in the late 90′s. To tempt you to be even more irresponsible, we’re raising your credit limit to ridiculous levels. You should rush out and buy a computer for every room in your house!”

As we read comment after comment, extolling the virtues of Dave Ramsey’s books and Crown Financial Ministries, we began to feel a bit convicted. “Maybe the time has come for us to actually make a change in how we handle our money,” I mentioned to Kathy, rather hesitantly.

Crown Financial
One of the Small Groups at our Church is doing a study using Crown Financial’s book …

“Sounds great! When shall we start? I’ve got our old budget (the one we started last year) right here! I’ve read three chapters of Ramsey’s book, and I have a list of things we need to talk about!” My wife is nothing if not enthusiastic.

I dragged my feet for a week or so, ’cause I like to play hard-to-get, but eventually she wore me down, and I agreed to spend a couple of hours talking about our financial future.

“I’m so excited,” Kathy bubbled. “My friend M. and her husband sat down the other night to talk finances, and they got into a big fight. I’ll bet we can do even better!”

Sure enough, we had a big fight about parenting before we even started talking about money, which demonstrated our superiority and, I felt, put things into their proper perspective. We came to a few tentative conclusions:

  • We need to stop using credit cards
  • We must build a workable budget that allows us to live within our means, and stick to it.
  • We should aggressively seek to set aside $1000 as an emergency fund, so unexpected expenses don’t ‘break’ our budget, or lure us back into deficit spending.
  • Once we’ve got the $1000 put aside, we can attack our smallest debt and work to pay it off as quickly as possible.

Don't run with those scissors, Dave!
Dave seems to have an answer for everything.

The more I thought about it, the more I realized that this is not going to be a quick or easy path for us. To follow these simple steps, Kathy and I will have to change quite radically. We’ll have to learn to defer gratification, and to find joy in paying off debt, rather than in the acquisition of ‘stuff’. We’ll have to temper our generosity, and live under actual constraints. We’ll have to learn new vocabulary, as in “We can’t afford that right now,” or “We’ll buy that just as soon as we save up for it.”

A boy who needs a computer
“Afford? Saved? What do those words mean, Dad?”

It will probably come as no surprise to those who have been down this road, that even now, as we stand on the brink of making a decision to change our way of life, we are facing some considerable expenses:

Dental Implants for Fun and Profit!
Not my actual tooth.

  1. I’m in the middle of an implant process for one of my teeth that will probably cost me another $1800, after insurance
  2. Kathy faces a potentially costly dental process in the near future (cost unknown)
  3. Our van badly needs new brakes and other maintenance (ballpark $600)
  4. We urgently need to replace the roof on our house (probably around $14,000)
  5. We are in need of some homeschooling materials by the end of the summer ($600)

A shake roof replacement
Not my actual roof.

So, what would you advise?

(1) Shall we abandon our well-intentioned, but naive attempt to shake off our dependence on debt?
(2) Shall we satisfy these immediate costs, and only then embark on a course of correction (admittedly, with a much higher debt load)?
(3) Shall we stick to our guns and refuse to go further into debt, even if our safety, our health and the value of our home may suffer as a result of deferring these expenses?
(4) Shall we take some drastic step (sell our house & move back to the country, change jobs, get a second job) rather than accept additional debt?
(5) If we do borrow money to get through these expenses, can I sneak in the purchase of a new computer, since it would be such a small proportion of the money borrowed? (Well, OK, I think I know the answer to that last question.) :)

Examining my heart, I really don’t know if these are smoke screens or not. Each of the expenses seems ‘necessary’, and my spirit quails at the prospect of abandoning the alternative of credit (I’m afraid I’ve leaned on credit too long). Do I just need to trust in God to provide for each in turn, or is this a case where I can’t reasonably expect God to bail me out from a series of bad decisions? After all, it isn’t God who borrowed money to acquire ‘stuff’, and who failed to save for these kind of expenses. The roof, for example, is certainly not unexpected — we’ve known since we bought this house that we needed to replace it. Is it reasonable to live for years beyond my means, and then, suddenly, when I finally get the courage to change, to expect God to save me from the consequences of my misconduct?

Climbing out of debt
She makes climbing look so easy …

These are serious questions. I value the wisdom and encouragement of the many responses we received from the first blog, and I’m hoping that some of you will take a few more minutes to offer your insight.

Tim

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Travels with Faramir

wfmw I’m not sure this technically counts as a Works for Me Wednesday post. It’s a trifle long, but very worth reading. I can say that somewhat objectively since I didn’t write it.

I call it:

A Lord of the Rings Inspired Hike — by Tim


Every three or four years, I like to venture out into the Great Outdoors™, if only to maintain my reputation as a master woodsman.

It seems like only yesterday when I hiked with my two oldest sons (Slug and Weasel) in the beautiful Duckabush valley. Still, my dedication to the sport is such that I rarely let more than a decade go by, without some excursion or other into the hills and forests. Even a man in peak physical condition like myself must take care to maintain his physique.

The end of the trackless waste
We had to park 1/4 mile from the trailhead, because we forgot to buy a parking pass.

I had occasion recently to spend a weekend with my oldest son, as we carefully navigated the excellent Passport 2 Purity curriculum published by Family Life Today. While that is worthy of some discussion, I’ll write about it some other time. My wife, Latte, is often critical of my long, wandering and pointless blog posts. “The server only has 300 gigabytes of storage, you know,” she fleers. (If there is anything worse than a techno-phobe spouse, it is one that knows just enough to be dangerous. But I digress.)

One part of the weekend that the Family Life people recommend, is to bake in 2-4 hours of time for some kind of fun event, in case the rest of the weekend is miserably uncomfortable. “You want this weekend to be a happy memory,” they sagely advise. I asked my oldest son what he would like to do as a father-and-son activity, giving him several attractive options:

  • Normalizing a relational database together
  • Collaborating on the design of the middleware for a data integrity application
  • A joint effort in organizing all the tools in our garage
  • Teaming up to mow the lawn
  • Hiking together up to a lake in the Olympic Mountains
  • Sharing a visit to a local history museum

For some reason he didn’t really consider any but the last two (he is, after all, a history buff). Worried that my manly physical prowess might shame him, I tried to steer my son toward the museum. “Tell ya what,” I wheedled. “If you pick the museum, I’ll throw in a large milkshake and a couple of bucks to spend in the souvenir shop.”

Unmoved, he stuck with the hike. “C’mon, Dad,” he scoffed. “It’s only 3 miles to the lake — how hard can it be? Har, har, har.” While he cannot compare to my brother, Torpid, when it comes to sniggering, Slug has a pretty good evil laugh. “Har, har, har,” I agreed, grinding my teeth.

Editor’s Note: My oldest son has decreed that he doesn’t like being called ‘Slug’ anymore. As a mature father, not desiring to exasperate my son, I’ve reluctantly agreed. In honor of his recent obsession with Tolkien’s work, I’ll bestow upon him the moniker, “Faramir”, although I can’t say I really like being Denethor, even by implication. Denethor was a lot dumber than I ever aspire to be.

Naturally, the forecast for the weekend was rain, sleet, wet fog, showers, drizzles, and a bit more rain. Undeterred, Faramir and I laced up our boots and set forth into the trackless waste.

Trackless Waste
The Olympic National Forest actually abounds with trackless wastes.

“Ummmm, there sure are a lot of tracks, signs, and candy wrappers in this ‘trackless waste‘”, quipped Faramir, pointing at the large informational kiosk and the well-defined trailhead. My oldest son never has been very sophisticated when it comes to writing (or even living) heroic literature.

“Who’s going to read a story about two bold heroes if they stick to well-marked trails all the time,” I challenged. “‘What a bunch of sissies,’ they’ll conclude, dismissively. No, for proper epic narrative, it’s trackless wastes or nothing.” But there was no use explaining that to an unlettered man of the forest like Faramir.

I let my son lead the way so that he could set the pace, not desiring to leave him behind in the murky forest as I effortlessly bounded up the mountain. Realizing that he would feel pressured to overextend his strides if I followed behind him too closely, I dropped back a bit. “Say, Dad,” my son shouted from three switchbacks above me. “Do you think you’ll be coming along, soon? It’s starting to get dark, Har, har, har!”

He’s a hoot, that boy Faramir. Some time later we found a bridge, and re-enacted the famous scene between Gandalf and the Balrog, in the mines of Moria. “YOU … SHALL … NOT … PASS!” Intoned the wanna-be Gandalf. “I don’t want to pass,” I muttered, under my breath. “I want to go back to the car.” I reflected on the foolishness of Balrogs, which cheered me up considerably.

Mithrandir ... NOT!
It turns out, the whole bridge conflict in the Mines of Moria was the result of an innocent misunderstanding.

After trudging at least six or seven miles, much of it bordering on vertical, we encountered another hiker heading down the trail. “How … much … farther,” I gasped. He looked at me in some concern, and then at the nearly flat trail segment I had just traversed. “Not much more than another mile,” he assured me, heartily, with an encouraging smile. His guileless visage radiated integrity and goodwill, so I recognized him immediately as an agent of a dark power.

It is a little-known fact that the Forest Service hires spiteful, ill-intentioned men and stations them on trails all around the nation to spread false hope and to prey upon unsuspecting travelers. Once when particularly enraged, I managed to wrestle one of them to the ground, and, breaking a few of his fingers in the process, snatched a fragment of his guidebook:

“You must always work to lure the unsuspecting hiker deeper into the forest, with optimistic promises that their destination is ‘just over the next rise’ or ‘just around the next bend’. Work to communicate a sense of hearty cheer and use vague measurements of time and distance wherever possible. Freely use your imagination to extoll the beauty and majesty of the destination, especially since it is unlikely the hiker will ever actually find it. Be careful not to …

Unfortunately, the fragment was torn at that point, and the Forest Service operative had already made his escape. I have often wondered what it was, that they were supposed to be careful not to do?

Not more than five miles later, we encountered another troll bridge, where Joshua amused himself playing Gandalf again. “How come I always have to be the Balrog,” I whined, somewhat out of character. It didn’t seem fair that he had a stick, but my whip had to be virtual.

A Balrog with a Raincoat?
In spite of prejudice, some Balrogs are actually very mild-mannered and thoughtful.

Soon the trail was covered in snow, as we persisted in our hopeless quest for the lake. Various fallen trees and the corpses of earlier hikers littered the path. (Well, OK, I’m exaggerating about the corpses.) The rain settled in happily, and our spirits were low. Suddenly, we noticed what seemed to be a large open field, off to the right. “It’s the lake,” we shouted gleefully.

Eventually the trail wound down to the surface of the lake, which was mostly frozen over. “Go on across,” I urged Faramir, trying to radiate integrity and goodwill.

Quite a bit smarter than you would expect a Ranger of Ithilien to be, my son declined the opportunity. “No, I would not dream of showing you such disrespect by taking the lead. Yours is the place of honor and of command, Oh My Father.” We tussled a bit on the edge of the lake, trying to throw one another in, before a fragile truce was established.

The shores of Nen Hithoel
A dark and foreboding lake in Mordor, where the shadows lie.

We sat for a moment at the shore of the lake, drinking in the stark beauty of the scene, still gripped tightly in the claws of winter, despite the warm winds of Spring.

“Ready to go?” I asked.

“Yep. We came to see a lake, and of all the lakes I’ve seen, that’s one of ‘em.” Faramir rose and stomped his boots in the snow.

Some men seek to extract every possible benefit from the Journey of Life, savoring each moment and appreciating the beauty that surrounds them. Of such cloth, my son and I are not made. Ours is a simple existence of tasks and objectives, which we neatly check off so that we can move on to the next one. We climbed this mountain to see a lake, and we saw it. Next objective: get back to the car so we can enjoy our root beer.

Long-awaited Root Beer

Our Checklist

  • Get through all five sessions of Passport 2 Purity.
  • Climb a mountain and see a lake.
  • Eat as many of our snacks as possible before heading home.
  • Build some good memories and strengthen our relationship as father and son, and … as friends.

Check, check, check … and check, I think.

On the way home, we passed a group of hopeful hikers, bravely trudging up the hill. “Not much more than another mile,” we assured them heartily, radiating integrity and goodwill.

Tim

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How Much is Your Integrity Worth

It turns out, mine isn’t worth much.

$50 maybe.

joshua's math

Let’s see how far you can get on fifty dollars.

What? Could that be possible? I would sell my honor, my integrity, my honesty for a measly fifty bucks?

Maybe not, but I have to admit I was tempted.

I’m in the middle of a competition of sorts. 5 for $5 we call it, where several of us have gathered to set out and meet five goals. Each person chipped in five dollars, established five goals and reports their success (valued in points) each week for five weeks.

It’s a clever idea, motivating and challenging, requires little administrative organization from me (other than gathering the money and keeping track of points) and places the work squarely back on the shoulders of the group.

Except for one thing – we’re all following the honor system. If I want to have a chance to win the grand prize money, I have to have nearly a perfect score each week. Twice in the past two weeks I have been sorely tempted to “stretch” the truth regarding my goals.

Are white lies “little?” Do they still count as lies?

rachel's math

Lies = 3.1415926535. Oh wait, that’s Pi. My mistake.

If my goal is to record my food daily and stick to a certain calorie count and I “forget” to include a few items, am I lying? If I spend the day cleaning but never make it to the gym for a “workout,” can I call my cleaning time “exercise?”

More importantly, am I teaching my children to be honest when no one is looking? To be aware that God is watching their actions, knows their hearts and sees the choices they make? Do they know the reasons BEHIND the “rules and regulations” set by our family?

Am I teaching them what the Lord thinks about: honesty, kindness, self-control, and personal honor? Are the decisions they make, that govern their lives, based on scripture and what God wants for them?

sarah and tarah

Would you sell your honor for some cookies?

These questions haunt me as my own temptations rise to face me.

Do we sell away pieces of our integrity for small change?

I know that you are pleased with me, for my enemy does not triumph over me. In my integrity you uphold me and set me in your presence forever. (Psalm 41:11-12)

Kathy
Project 366 – Day 77

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Random Snapshots of Our Day

These pictures can’t truly capture our day, but neither will they make you green with envy over our exciting life.

It’s difficult being a blogging inspiration, but I try.

I was invited to a luncheon at a friend’s house today. Sarah, Daniel, and David accompanied me. We had a lovely time. It’s not often that I am able to visit with other moms in the middle of the day. Oh, the unadulterated luxury. My salad had feta cheese, shredded chicken, avocado and sliced tomatoes. Definitely grown-up food.

sarah's ready

Sarah dressed up for our party – skirt, sparkly top and a black velour cape. Next to her I was quite under-dressed and rather shabby. Thankfully she was there to give our family its much needed class.

We also did school, played chess, washed dishes (many times), and did computer work. These pictures are unedited, uncropped and terribly boring.

Sort of like our life at times.

disheschesscomputer work

I also managed to fit a dental appointment in to the day. Sorry NO picture of that little outing, although the office is GORGEOUS, newly renovated and impeccably decorated. Sarah’s party outfit would have been perfect. I really should have consulted with her before I left the house. Who knew you need to dress up for a teeth cleaning these days.

Because I don’t want this blog to be a complete waste of your precious time, I will share a few links.

Fight the Frump with Fussy Pants

Record your eating, track your nutritional info with Fitday.com

Enjoy some crock-pot recipes with Slow Cooker Thursday

Have fun getting organized over at Lysa TerKeurst’s Organized Swap Hop

Found a link to the world’s 50 most powerful blog put out by the Guardian’s Observer. Interesting collection. I skimmed the article but didn’t see a single Christian blog in the bunch. In fact, I did a ctrl find on the words God (nothing), Christian (nothing), and religion (again nothing). What does it mean that the world’s so called 50 most powerful blogs don’t deal with religion or God at all??

Something to ponder.

Note: I didn’t include the link as many of the blogs were not kid friendly.

Kathy
Project 366 – Day Whatever

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