Dollars and Sense
Hopefully you were here yesterday and heard Mark talk about "Give, Save & Live". I don't know about you, but finding that balance between being a responsible saver and an irresponsible hoarder can be difficult. It even creates some "healthy tension" in our home.
Well, this tension has carried over into the financial world. Economist are now arguing about whether we as Americans should be saving more or spending more. Some economist are actually worried that Americans are saving too much now and that our lack of spending is bad for the economy. So, who's right? The economist who thinks its our duty to spend more for the good of the country or the economist who thinks that it is in our best interest to save more?
It is my belief that we would all be better off if we would save more. Build up a strong savings and then purchase what we need and want from that. Save for a new computer and then purchase a new computer with savings. Save up for a vacation and then pay for that vacation with cash. Spending would still happen...It would just look different. We'd go from wanting something, getting it and then paying for it over the next several years plus a lot of interest to wanting something, saving for it, and then getting it.
It's such a simple concept, but instead many of us have bought into the lie that we are "consumers" and consumers can't be inconvenienced by waiting or that delayed gratification is too much work. Besides, we can get that computer or vacation or TV with no money down and no interest for 12 months.
The pull of our consumer culture is as strong as a riptide. But all is not lost if more of us would just take the time and effort to work out a cash flow plan (budget) for our home. There is no better tool for helping you to live within your means while being generous, and building savings while ditching debt.
Let's put a stop to our country referring to us as "consumers". Consumer is a demeaning label. It means to squander and to spend wastefully. Lets get back to being looked at as "customers" instead. It's a little thing but I think it would do much to change the expectations of how we manage money. Who knows, it might lead to a day when having a healthy savings account instead of a bunch of stuff we can't afford is something we are actually applauded for.
Oakbrook's Financial Ministry exist to help you be a good steward of the resources God has given to you. If we can assist you with preparing a budget or answer any financial questions you might have, please contact me at .(JavaScript must be enabled to view this email address).
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That was great, dad! You are very right in what you are saying and that will help many people if we could all commit to it! So are you going to continue blogging?
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