by Janet Davidson
I just finished reading Dave Ramsey’s book, “The Total Money Makeover”. In it, he explains how to get your finances in order – a particularly good read for those who struggle in this area. The book is peppered with shocking statistics. One such stat is: “88% of college seniors have credit card debt—before they even have a job!” Imagine that, aside from student loans, leaving college with debt already in the bag. It reminded me of my college days. I remember having $20 to live on during a quarter (we were on the quarter system, not semesters). I didn’t have a credit card – just a $20 bill. Since this was all I had, I had to be very judicious about how I spent it. I used it primarily for laundry and for personal care items such as toothpaste, shampoo, etc. There were many weekends where my friends would do a “Young’s Run” (take a trip to the nearby Young’s dairy farm—popular among students) to get ice cream and hang out. I often wanted to go, but I simply couldn’t afford it. For several years, this was my experience—it was harsh. It made me very conscious of my needs vs. my wants. But, in the end, it disciplined me because I didn’t get into debt and learned to live below my means. I did eventually get credit cards but was careful about how I used them. Despite being careful about credit, bad things can happen to us financially.
This past October, I returned from a business trip in Denver only to discover that my wallet was missing. I got several calls from credit card companies alerting me to fraudulent charges. It was true, someone had stolen my wallet and compromised all my credit cards – more than $7000 worth of wrongful charges incurred in less than 2 hours. I was upset. I knew I could work with each of the credit card companies and get affairs back in order but I really didn’t want to deal with the aggravation. I also had to replace everything else in my wallet: driver’s license, insurance cards, store membership cards and more. Plus, I felt insecure that someone had my identity. I prayed that they’d find no joy in the things that were purchased but that those things would only bring “leanness” to their souls. Thieves today can steal anything—your things, your identity, your credit, maybe even your life. Nothing wrong with any of these…just don’t put your trust in them.
Jesus said it best in Matthew 6:19-21, “Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. But store up for yourselves treasures in heaven, where moth and rust do not destroy, and where thieves do not break in and steal. For where your treasure is, there your heart will be also.” The question is: where’s your heart?








