God has challenged me to write about how He will supernaturally pay off our mortgage in 5 years. I am a homemaker, my husband is a teacher, and we have three children. Our mortgage balance at the start of this blog is $97,802.62 with a projected payoff date of May 11, 2035.

Sounds foolish, huh? The Bible says that, "...God chose the foolish things of the world to shame the wise;..." So I am choosing to be foolish and trust Him. He's never let me down before.

Monday, May 26, 2014

Best and Brightest

Our family doesn't typically purchase a Sunday paper except for two special editions: Black Friday edition and Best & Brightest.

Best & Brightest showcases senior high school students in the Central PA region who are making strides to better their community, their families, and themselves.  They are selected by a panel of local community figures.

I enjoy reading what these young people are up to.  I get excited listening to their aspirations and learning about the obstacles they have overcome to reach their goals.  One of the young people selected was one of my husband's students and he is quoted in the article about her.

The student that stood out to me, however, was a young man named Scott Fogle from Cumberland Valley High School.  What set him apart from all the other Best and Brightest students is his plans for after graduating high school.  They read as follows:

Defer his acceptance to the University of Pittsburgh's Honor's College at Kenneth P. Dietrich School of Arts and Science to save for college.  He will live with his aunt in Redwood City, Calif., and work full time.

Wow.  This is the first time I've ever seen "work" listed under the immediate plans for any student selected for this honor.  What an encouragement.  What an eye-opener.  How refreshing.

Interestingly enough, there was also an article in this Sunday's paper entitled "Degrees of Debt" which features area college graduates telling of their struggle with repaying student loans.  One woman shares that her student loan debt drains her of about half of her disposable work income.  Given the chance she shares that she would have made different financial decisions.  Another woman in the article likens her college debt to a noose around her neck that tightens every time she tries to better her life.  Pretty sad.

Proverbs 22:7 reads, "The rich rule over the poor, and the borrower is servant to the lender."  Right before this is the all too familiar verse that speaks of training our children in the way they should go so that when they get old they will not turn from it.  I don't believe that this is a coincidence.

Kudos to Scott and his parents for starting his future out on the right foot.  Although their decision may not be a popular one, it clearly is the best and brightest.

Thursday, May 8, 2014

Temptation

Today I went grocery shopping at my all-time favorite grocery store, Sharp Shopper.  As I turned onto the road adjacent to the store I noticed a banner out front signifying a special event.  Squinting my eyes to detect its message, I finally made out the words: "Customer Appreciation Event".

Woo-hoo!  This was my lucky day. Once a year for one week Sharp Shopper has store specials (as if their prices weren't already low enough) and daily drawings to win gift cards to their store as well as other retail stores.  I usually hear about when the event is coming around this year it fell off my radar.

As I parked the van, my eyes fell upon the sidewalk leading up to the store.  A myriad of people were setting up to sell food.  During customer appreciation days Sharp Shopper has a local church sell a meal of a hot dog, chips, and a soda for 50 cents.  That's right just 50 cents!  Usually I would be all over such a deal.  However, sitting right next to me in the passenger side of the vehicle was the sandwich and baby carrots I had brought with me.  Generally I am ready to eat lunch about an hour into my grocery shopping.  I bring food along so that I won't be tempted to buy food for lunch that would cost me way more.  "But this is only 50 cents" my flesh pleaded with me.  "It's a nice sunny day.  Wouldn't a grilled hot dog taste good on a day like today?"  Hmm, I could just bring the sandwich home and put it in Ross's lunch for tomorrow.  After all I had made it exactly the way that he likes it.  50 cents--what's the big deal?

I walked into the grocery store and spent about 45 minutes shopping.  I walked out of the grocery store, gave a quick glance to the concession area outside and walked on.  Sigh.  That was hard.  But I was proud of myself.  It wasn't about the 50 cents really.  It was about the discipline.  If I allow myself to be tempted by a meal that I don't really need, then I could eventually be tempted by more expensive things that I don't need.  Thus begins the very cycle that got me into debt 22 years ago.

My sandwich was delightful...as was the sweet taste of victory.

Wednesday, May 7, 2014

85 cent dress

Yesterday I was talking on the phone with a friend about clothes shopping.  She is a bargain hunter like me and was sharing about how she was able to buy a pair of pants on-line and get the top to match it for free.  The subject then turned to Mother's Day.

My friend has grown.  In her words, "Normally I would have to have a brand new outfit to wear to church for Mother's Day.  But this year, I'm going to pick out one of my old brand new outfits from my closet, doll it up, and make it look brand new."

I let her know how proud I was of her.  Then I told her what I was going to wear--the same 85 cent dress from Goodwill that I wore last year.  "85 cents?," she queried.  "Yep," I said, "and I'll let anyone who asks know."

We had a good laugh over that.  She said she's going to look for me to come in Sunday and then grin from ear to ear.

I used to have to have new this or that for me and my children.  But I realize now that clothes, furnishings, things are temporary.  Here today, gone tomorrow.  Matthew 6:19 puts it this way,

"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."

These days my perspective is to invest in those things that last--building up others and sharing the good news of Jesus.  My time and my resources go to these causes.  My 85 cents goes to the dress.