The best money-related advice I ever received was to use cash when making purchases. Dave Ramsey, the popular financial guru, shared this advice via his Financial Peace University course. When I originally heard this concept I was a little skeptical. You mean I have to go to a bank or find an ATM to buy things?!?
This seems like a really old-fashioned concept but I have found it to be really helpful in managing my expenses and keeping track of where my money goes. Money can slip through your fingers pretty easily without much thought. Morning coffee, going out for lunch, getting the car washed, and many other trivial purchases can add up before long. If you’re not careful you can spend $100 and not even remember where it went.
When you use cash to make purchases, you feel your money being spent. Literally, you feel it. You have to reach in your wallet to get the cash out. While you’re doing this you observe how many bills you have. Then you have to physically touch the cash and hand it to the cashier. Your wallet becomes thinner. That physical transfer is important for the purchasing experience. Your money was exchanged for a good or service, and now you’ll have to save up to get it back. I now have a tactile memory of where my money went.
This is in contrast to spending money online with card numbers automatically saved in the web browser. All you have to do is click once and the deal is done. Poof! Your money is spent and your item is being delivered. There is nothing inherently wrong with purchasing things electronically. I do it often because it is more convenient than making a trip to the store for an item that they may or may not have in stock. But for as many things as I can, I try to pay in cash. This helps me remember my purchases and feel the money leaving my wallet.
This has been an upside down week! Our air conditioner quit working in our house almost a week ago. In Houston, in July, that is a big problem. Our thermostat has been reporting 96 degree temps inside the house at 10:00 PM. To escape the heat we stayed in a local hotel for a few days. After that we have been graciously hosted by some of our sweet family nearby for another few days.
Despite the inconsistent schedule, frustration with the repair moving slowly, missing our comfortable home, and living out of suit cases, we are finding the silver lining. In all of the challenges and changes, God is faithful. We observe that we are provided for and loved despite not knowing exactly where we will sleep or when we will get back home.
It reminded me of the Psalm from last Sunday, and specifically the first verse. Psalm 89:1 says,
Summer is here! Hopefully you are enjoying a slower pace and taking time to relax. It really is essential, I have found, to find seasons when you can deviate from the daily grind. Maybe you are able to take a nice vacation. For others it may mean an entirely different schedule than the school year that allows you to enjoy different things. My family will be headed to Galveston a couple of times to see friends, go to the beach, and maybe a little fishing.
Here is my vacation tip (one that I need to practice as well). If you are truly trying to have a vacation, leave the work behind, all of it. That may mean leaving a laptop at home, disconnecting your email app, or turning your phone off completely. The first day is weird. It feels like you left the oven on or forgot to close the garage. Once you get over that nagging feeling, it is freeing to feel undivided. You can fully be where you are and present to whom you’re with.
For me, and perhaps for you too, this is all about control. I like to live under the illusion that I’m in control of things. I am on top of what is happening and I know what needs to be done. I sense that things are going well when I’m in control. Staying connected to my work and people who might need me gives me control. And a vacation might be the most opportune time to let go of control and join God in a Sabbath.
Summer has become a busy time for me over the last several years – go figure. This summer is no different. In July I am headed to Toronto for a week to attend the annual conference of The Hymn Society. I’ll be presenting a workshop called, “Engaging Worship and Culture: (Re)Discovering the Nairobi Statement” and talking about the work I participated in creating a resource for the ELCA. In August I will host our fifth annual Tune Up Worship Band Gathering. This year it is being held at Messiah Lutheran Church in Cypress. Tune Up is a worthwhile event where church musicians from all over the area gather for training. The week after that I will be in Atlanta for the ELCA’s first Rostered Ministers Gathering. I will be presenting two workshops: “10 Ways to Use Video Technology in Worship” and “Curating Worship for a Cross-Cultural Context.” I will also be coordinating video technology for the event.
In September I will be headed to Dubuque, Iowa for my first weeklong intensive at Wartburg Theological Seminary. I am beginning my journey toward rostered Word and Sacrament ministry in the ELCA. I am very happy about these next steps in my calling to serve the church. Fortunately the Collaborative Learning program through Wartburg will allow me to stay at Faith Lutheran and complete my degree and internship without having to leave. I am currently enrolled in a Biblical Greek course over the summer! I am eager to learn and looking forward to more school!