Lessons on Receiving

Every Christmas growing up, my parents gave the best gifts. They were thoughtful, fun, and just what my sister and I asked for. Giving gifts was one of their top love languages and still is today. So naturally, giving gifts became one of my love languages.

But considering our present circumstances mentioned a few posts ago, I’ve had no choice but to pause and step back when it comes to gift giving. It’s been difficult, humbling, and stretching especially since I find so much joy from it in this season.

the tree

This time last year, I would have had most of my gifts purchased and my Christmas cards sent out. But this Christmas, my cards will probably make in just in time for the 25th and the majority of our gifts will probably be purchased last minute. In the meantime, I’m making/creating more of our gifts this year so we don’t have to go into any debt.

God has also provided for me and my family in unexpected ways this week:

A couple in our church who knew about Jeremiah’s job slipped us a check because they felt God leading them to do so.

  • Another man in our church gave us cash to use for groceries.

My friend Katie helped design our Christmas card and the print-outs will be very inexpensive and still adorable!

  • Between my sister and my parents’ constant generosity to us, Christmas is pretty much already taken care of.
  • Many of my friends here in seminary have randomly asked if I needed the exact thing I was already thinking of. And they gave what they had.
  • We got a beautiful 7-ft. pre-lit Christmas tree for free because the man selling it wanted to help us in our situation.

Coming up on six years of marriage, I don’t think we have ever experienced God’s provision in such a tangible way. We’ve always heard stories of people receiving checks out of the blue. But I thought you had to be super spiritual for that and I honestly didn’t think that would ever happen to us because well, we’d rather give anyway!

But surely there is a time to receive too. I’m learning valuable lessons when it comes to stewardship, budgeting, and putting my security in Christ instead of finances or wealth. I want to give more than I ever have before and be sensitive to those in need. I believe these lessons will be stamped on my life forever.

I definitely have my days of doubting God because I just want to know now what He is doing. I’ve struggled with anger and impatience and wondering if God hears us.

But when I’m able to articulate what’s going on and write it down, I can better see that God really is doing something and sometimes it is His perfect will for us to be on the receiving end and to learn humility.

Yesterday Jeremiah told me, “I think this is going to be a really special Christmas that we’ll always remember.”

I pondered his words for a while and came to the conclusion that I think he is right because somehow, God just has a way of redeeming really tough situations. He always comes through for us, even if it’s right down to the wire.

So the challenge still stands: Will I trust him to provide for us, even when I can’t see what’s ahead? Will I be faithful to God because He is good? 

How it feels to finally be Debt Free!

a bumper sticker I dig

I’ll have to take you back to the beginning in 2008 when my mom encouraged made a deal with Jeremiah and I that if we took Dave Ramsey’s Financial Peace University for 12 weeks that she and my dad would help pay for Jeremiah’s seminary education. We knew she was serious and who wouldn’t take up that kind of offer? So, we enrolled in the class at a local church with $45,000 in Debt– credit cards, student loans, 2 car payments, and more. During our first class, we found out that our debt surprisingly lined up with the average American’s debt.

Throughout each week, Dave Ramsey’s principles blew our mind. We started to see where we had been foolish and honestly hadn’t been living by God’s word in the area of finances. We started with the lowest amount of debt first and worked our way up. We cut up our credit cards (scary but it felt great!), Put $1,000 in our emergency fund as Dave says to do and starting building our savings. Most importantly, we got on a budget/spending plan. Even though we failed at it at times (and still do), we had a target to shoot for and we finally had control of our finances, rather than our finances controlling us.

We ate out less, didn’t really buy clothes, had a grocery limit, sold stuff, held garage sells, sold a car, didn’t buy unnecessary stuff and before we knew it, we were chipping away at our debt incredibly fast. We even had a baby and didn’t go into debt doing it because we saved, saved, saved!

Now two years later, we are proud to say that we are DEBT FREE!

The feeling is surreal still because for so long we weren’t truly free in that area and it impacted our marriage. But now we are and it’s our desire to encourage others out there who feel like it’s impossible. So many people encouraged us along the way and most importantly, God gave us the grace we needed to persevere and follow his plan.

I wrote a few posts a while back about our journey here and here and here and several more under the Finance category on this blog if you’d like to check those out.

While we’ve actually been debt free for about 3 months now, I can say that managing finances will always be a battle and we will never arrive, but I’m so thankful that our eyes have been opened and that above all, we are learning to better steward what we’ve been given because all that we have is a gift from God in the first place.

Thank you for sharing in our joy today!

What are your goals for 2010?

On Wednesday, I’m taking a 12 day Christmas vacation to visit Jeremiah’s family in Michigan. We have a lot planned and I’m really excited to get away, reflect, and think about some goals for 2010. Then before the ball drops in Times Square, I plan to write them down and Commit.

I have a history of setting goals that are tangible and realistic and some that are vague and unrealistic. Regardless, I love to set goals because it gives me something to aim for. Goals help keep me from being mediocre. And I always love a good challenge.

It’s not even Christmas yet so I haven’t thought really hard on my goals, but here are a few I have in mind:

  • Run a race in the Spring. 15k or more.
  • Utilize the margins in my new Bible (the ESV that Santa’s bringing me) to take notes and write prayer requests.
  • Pray for my husband and son daily.
  • Start a book proposal (start typing it in Microsoft Word)
  • Work hard with my husband to be debt-free by December (one car payment to go)
  • Try harder to have more common sense in the simple things

Since I’m not committing until the ball drops, I’d love to hear from you. Do you have any goals (silly or serious) brewing in your mind for 2010?

There’s a chance I might have to borrow what you’re thinking about committing to.

If you don’t have any yet, don’t feel bad.

5 Ways to Fight Consumerism this Christmas

Consumerism is the equation of personal happiness with consumption and the purchase of material possessions (Wikipedia). Consumerism reigns like a proud King in America. He’s captured hearts. Chained families to debt. Caused divorce. And has crept into churches.

But that’s not all. Consumerism is mainly an issue of the heart— the flesh’s desire for more, and a failure to trust in God to provide all things.

Here are five practical ways I’m trying to fight consumerism this Christmas:

1.) Remember former debt. It wasn’t a fun experience a few years ago paying off around $700.00 of credit card debt from Christmas time. (Thanks to Dave Ramsey, we cut our credit cards up so they no longer tempt us).

2.) Pray for a spirit-led shopping experience. Before I went out the other day I prayed that God would help me decide what I needed to get vs. what I wanted to get for other people. I  believe that prayer and being led by the Spirit helps keep me from over-spending.

3.) Accumulate experiences, not possessions (thanks Mark Batterson). I’ve tried to put relationships and time together with those closest to me in my life above accumulating stuff and things that don’t last.

4.) Be in authentic community. I’ve surrounded myself with friends who will ask me the hard questions. And they know our budget. While they don’t ask about this all the time, I know I have to be ready if they do.

5.) Give to those you know who are in need and love on them. This Christmas, we’ll be giving away some of the resources God’s given to us to certain family members who are struggling. Sometimes I think I’m only doing “good” if I give to a charity or other organization, but if a family member is in need- he or she really is who takes precedence.

Above all, the gospel is what transforms our hearts and keeps us from being led away by the desire for more. I’m thankful that as I daily surrender to the Spirit’s control, I can be victorious in the constant battle where consumerism tries to be King.

Have you thought of a plan of attack for fighting consumerism in the upcoming days?

Give me Prudence

1199870_old_style_doryJeremiah and I are facing some pretty important decisions that could impact us financially, relationally, spiritually, and our overall sanity. We were encouraged this morning to hear a leadership podcast from Andy Stanley on decisions and being men and women who are prudent.

We were reflecting on the last three years of marriage and the choices we’ve made that have gotten us where we are today. Some good and some bad. Now, we’ve reached a point where we see potential dangers.  These “dangers” might not necessarily be what you’d think as serious but in the long run, they could very well be. They have to do with allowing margin into our life, making wise financial decisions, putting family time as priority, and choosing to deal with some of our hurts, habits, and hangups that could eventually snowball in the future.

Andy makes the point that many people say, “Oh yeah I need to do that or I should do that.” But when it comes to action, stepping out of the boat never happens. So 10 years later, they can’t believe how they got to where they are. This could involve not getting into God’s word, an unhealthy relationship, a negative habit/pattern, an affair, addiction, our health and well being, entertaining sinful thoughts. The list goes on.

Well, back to this word PRUDENCE. Proverbs, the book in the Bible drenched with wisdom and brutal honesty, says: A prudent man sees danger and takes refuge, but the simple keep going and suffer for it (Prov. 22:3). Prudence is exercising sound judgment in practical affairs. It’s the ability to have wisdom looking into the future so you can make a good choice for today. It can also involve caution and not taking too huge of a risk. I love the word refuge– it’s an umbrella of protection. Someone, however, who is “simple” and makes rash decisions without counting the cost, could end up in a bed of suffering without even realizing it. And the consequences could be overwhelming. That’s why God has given us prudence to protect us and because he loves us.

I really want to become a woman who’s prudent. Sometimes it’s so difficult when I’m in the midst of a situation to see the future implications.  I often wait for a sign or prodding from God, which could definitely happen, but more often that not God gives me principles to help me make a wise decision. And it’s often that I forget that wisdom is in my pocket, waiting for me to dig her out.

Well, hopefully by the end of this week we’ll be able to say that we counted the cost and will have made a choice we won’t regret!

Marriage Interview w/ Dave Ramsey

Brian & Phil with Dave Ramsey

Brian & Phil with Dave Ramsey

This morning, I walked into my office and to my surprise the book The Total Money Makeover by Dave Ramsey was on my desk. I giggled under my breath because my boss Brian and our VP of Video Production Phil were just in Nashville last week to interview Dave Ramsey himself.

I opened the flap and there it was. Dave’s signature in black ink that said To: Samantha. Romans 12:2: “Transforms!”

For a Monday morning just barely awake, this was the best gift ever. Dave had given Brian and Phil some books to bring back. Brian knew how much I loved Dave and the impact he’s had on me and Jeremiah with finances. Through Financial Peace University, Dave’s helped bring us into the light in understanding money and making wise decisions. If you’ve followed my blog for a while, you’ve seen parts of our journey in beating debt. (also more posts under the Finance category).

Dave’s interview will be featured in a DVD series we’re creating at Bluefish called Marriage: Built to Last. Dave’s story along with Kurt Warner and Josh Hamilton are the high profile interviews a part of the series. Chip Ingram is going to do the biblical teaching in the series and we’ve shot around 20 real-life marriage stories. Maybe I’m biased, but I think this series is going to be one of the best marriage resources out there and I think you should get it whether you’re married or not!

I can’t wait to see the rough cut of Dave’s interview and to dive into this book.

Finances, Debt, & Freedom

piggy20bank1It’s been far too long since I’ve posted on finances. Can you tell the very word makes me nervous? Maybe it does for you too especially in our economy’s present condition. Well the good thing is that for us, right now, things are going really well.

Jeremiah and I are down to $1,000 left on his school loan and around $10,000 towards our car. A year and a half ago, we were about 30-40K in debt. Now, we’re $11,000! Jeremiah has mentioned how simple it would be to pay the whole car off in a matter of months but with the season of life we’re in (with him in school, internship, ministry, etc.), it’s best to wait and chisel away at the debt as we can.

We would not be where we are without the help of Dave Ramsey and my Mom spurring us to take his 12 week class- Financial Peace University. Finances is just one of those things, like sex, that not too many people discuss and many families don’t talk about growing up. So the result: ignorance. And it’s bliss. I’ve been there.

I’ll never forget a few months ago when our community group at church sat down and we went through each couple’s budget- every detail from car maintenance to cosmetic allowances. I hadn’t done that with anyone, ever in my life. But something about it was so freeing. There was accountability there and we knew we had each other’s best interest in mind. Our goal was to steward whatever resources God had given us the best we knew how.

Even now, I admit the struggle to constantly be aware of what I’m spending. What I’m saving, etc. It’s not easy or always black and white to know what God would do in this or that situation. But I do know for sure, that plummeting away at this debt is bringing him glory. It’s getting us farther away from bondage and closer to freedom.

We can’t wait for the day to call Dave Ramsey’s radio show to say, “WE’RE DEBT FREE!”

Getting Rid of Stuff Part 2

This Saturday, we sold so much “stuff” at  a community wide yard sale on Saturday. We did this last year and sold about $400.00 worth of stuff. For some reason this year we accumulated more stuff again and ended up selling about $300 on Saturday. The funny thing is is that my Getting Rid of Stuff post from last year receives tons of hits still to this day. I’m beginning to think that we (Americans) have an issue with stuff but what is so funny to me is how one person’s trash can be another person’s treasure.

I can’t even tell you how much “junk” I think I sold. If familiarity can breed contempt when it comes to “things” than the latter would explain it. There’s just something about wearing the same old clothes day in and day, looking at the same painting or eating out of the same dishes. You grow to hate it because you’re so tired of it- it’s just too familiar. I think this explains much of my own heart. I’m often never satisfied- I want more and I need something to fill the voids. I need the next thing. A different hairstyle, lip stick shade, outfit, piece of furniture, car, and whatever else. It’s when I get back to reality and realize that I can’t take anything with me when I leave this earth, that it all gets back into perspective. God has created me to need Him- not stuff. He’s the only one that can fill my longing heart and I’m so thankful that He does anytime I call on him for help.

Maybe next year we’ll get down to selling $200.00 worth of stuff.

Save, Save, Save

samanthakrieger.com

376-savings-jarI was in conversation with a girl my age this weekend about finances and the economy (as it seems to be the hotbutton of late!). I shared with her some of the research I had been doing about where certain people think we’re headed as a nation. I proceeded to say how much my family and I are really trying to save, save, save.

She looked at me in disgust: “Save? I’m not saving. I work hard. I’m going to spend what I want, when I want. As long as I’m being responsible, I’ll be fine. Who needs a savings account?”

Her expression and gestures kind of made me laugh under my breath. She didn’t care at all about what was going on in our economy. I am wondering if she’s even watching the news. But then I began to think more about her response and the fact I have had the same attitude before. In fact, growing up with a father who was extremely successful and not having to worry about finances, early on in our marriage I would spend like I was still under my dad’s roof. It was scary. My credit card proved it. So in essence I lived out her words in some way, shape or form.

But now things have changed. My whole mindset is radically different. While I’m still far from perfect, I really value saving more and spending less. Last year around this time, we were about $40,000 in debt. Thanks to the help of Dave Ramsey, we’re now $10,000 in debt with just a small student loan left and Jeremiah’s car. We’re so thankful that our mindset and behavior has changed. I know we can all admit as Americans that we love living above our means. I mean, who doesn’t love it? But the  better way is to be wise and to be content with what we have. I wish it was easier done than said.

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