Lovin and Living
This is a place for me to just be me… (All content Copyrighted Yeve Eeffoc 2008-2015)Archive for February 21, 2013
Lack of Friends
I think today it became very clear I really don’t have friends.
I have someone who calls me their best friend. Yet when it comes to whom she asks to hang out with, it isn’t us. And today I am finding out she isn’t honest me with me. I actually knew this before but have attempted to blow it off hoping it was a fluke but it isn’t. We are supposed to be doing the Dave Ramsey financial peace together. At least meeting once a week, showing each other where money is going, keeping each other accountable and just being encouragement for each other to keep at it. We have yet to meet once this year and we were supposed to start the first week of January. And then I find out today that about three weeks ago she booked a cruise and never told me.
It isn’t only that. She tells me all the time they have no money. That they can’t pay their bills. That things are hard and rough. And then they go out to dinner with friends. Then they go to a casino. Then they go buy a computer. Then they go buy iPads.
I have my faults. I have plenty of them. I guess it has just come and hit me in the face today.
I have one person who I can kind of count on and she doesn’t even live here. The one person who calls herself my best friend isn’t really honest with me and we never do anything together. The other person who is a friend around here only gets in touch with me when she needs something.
I am seriously a very pathetic person. How did I get to be this person? I have no clue.
I guess it is time to start seriously listening and going where He has planned. I have for the last few years thought I was really following His lead but it seems like in the past few weeks it has been pointed out I am totally missing the path. How that is even possible I don’t know but I am done and ready to get on the path least traveled and listen and pray and follow and hear and do as He has for my life!
I Get it God!
If He could hit me any harder upside the head with something I just might end up on another planet!
Seriously about 3 weeks ago (give or take), on my way to church He smacked me about tithing and our debt. I know we need to tithe. I know that even though the old testament laws are not expected to be followed anymore, the principles behind them are expected to be followed. I know we are deep in debt and I know we need to stop using credit cards because we can’t get out of debt if we are using them. I know we have to learn to just live within our means. And are you ready for it, here comes the but…. But with us having used the credit cards we have debt we have to pay which means currently without Jack in the Box having a job we have no way to make it without living on those credit cards.
It is seriously a very vicious cycle and I HATE it! I want off this merry-go-round.
So anyway when I got to church that morning our Pastor was talking about tithing of course! I mean honestly God was giving me a wake up call prior to walking in the door that day.
And since that time there have been many times I will just be sitting and then here comes that 2×4 to smack me upside the head to remind me what we have to do. That we need to get out of debt. That we need to get back on track and we need to be a giving family.
As I have mentioned in another post God has brought to my attention that instead of saving for our Disney trip we really should take the money and pay off a debt we have. It isn’t really a large debt compared to others but the amount we pay monthly is larger than what we pay on most other debts. And it would do a few things for us.
1. It would get rid of this company, which has since getting this loan been proven to be the bane of my existence. I do research. We used it to get out of debt and had we stayed out of debt it wouldn’t have been a big deal but we didn’t. And since that time I recently found out some things that were not disclosed and even after reading all the paperwork I can’t find it stated exactly. But basically (and sadly in my state this is legal) they give you the loan. They prior to giving you the loan charge you all of the interest you would have to pay on the loan over the whole course of the loan as a “fee” prior to getting the loan. Then they charge you accruing interest daily. So what it comes down to is you are paying your interest fully in the loan, twice if you are unable to pay it off early. It is sad and ridiculous and frustrates me that it is legal to do.
2. It would free up $173.00 a month.
3. We would be able to do multiple things with that extra month. We would be able to tithe and put extra money toward our debt to pay it down faster.
I do understand the fact we need to get our financial life in order. God has given us so much and we are thankful and we need to be thankful right now. I am just praying that Jack in the Box gets a job soon because we can’t get our financial life in order if we don’t have an income to do it.
God please grant us the ability to get out of the financial mess we are in. Even if it takes years we are okay with that but we need Jack in the Box to have a job in order for us to move forward!
Lovin and Living 