Saturday, May 31, 2014

Laine's Letters And Paying Off Debt, Part 8

This is the last post from Laine's Letters and getting out of debt. This post begins with buying something used. Our washer and dryer broke several years ago. Our dryer was over 40 years old! My parents passed it down to us when we were married and it worked great for many years. Our washing machine was around 20 years old. I heard they don't make them like they use to anymore so we just found old, used ones that were still in good condition and bought those for so much less. The series begins HERE.

41 ~ Don't compare yourself. I've found this can be costly. So I just stay in my budget with my man. It's cheaper and so much more peaceful.

42~ Find one used if possible. I remember when we needed a washer, for ours had finally bit the dust. I asked the LORD if anyone had a washer they didn't need just hanging around. One of my friends called that evening and told me about this washer she had on her porch that she was getting rid of. I'm still using that washer. ~Smile~ (In the picture are our used washer and dryer with my homemade laundry powder!)

43~ Wait patiently when there is a need to see how God will provide. We needed firewood for the winter. I pray about it in the summer. I asked the LORD to bring it in. He did! Art picked some of it up, and some of it was delivered right to our home, totally free of charge. We used that wood all this past winter. When I would use it, I'd think of the faithfulness of God. 

44~ We couldn't afford private, Christian school for our kids, so I homeschooled all of them. I've been doing it for the past 14 years, having graduated two of our children. This was a big savings here, and I'd do it all over again in a heartbeat. No, not for the savings either. But it sure did help us to pay off our house. I always had the kids helping us pay off the house. Quincy kept bees and a big garden. Brady kept the chickens and goats. Now the roles are switched, and Abbie keeps the goats, while Gabe takes care of the chickens and fruit trees. Gabe wants to make a garden with his dad this summer. I love to keep my kids motivated in helping their dad financially by all their work around here. It makes us such a good team. 

45~ Every little bit does count. Say for example, you learn as I did that you can use half as much clothing detergent and just set your washer cycle to agitate a little longer. Not more water, just more agitation to get the clothes cleaner. Or you can soak your clothes overnight in the washer, then start the load the next morning with half as much detergent than you usually use. Now say you usually spend $12 a month on clothing detergent. This is about $144 a year, or $2448 for 17 years. So, if you save half of that by cutting down your detergent to half your normal use, while still getting your clothes clean, you've saved $72 a year or $1224 in 17 years. These are the kinds of savings I would practice to pay off our home in 17 years. I was always multiplying things by 12 for the entire year's use. All those little savings do add up. 

46~ Pray, pray, pray. I pray beforehand, during, and after. I pray before I go shopping, while I'm in the store, at the cash register, and on my way home. I pray when every check comes in that the LORD will give me wisdom to use it for His will. I just need the LORD's help so much in giving, saving, and spending. It's a training going on in my home that affects us, my children, and grandchildren. The LORD is able to do above all that we ask or think. Paying off our last debt, our home, in our 40's is one of those incredible answers to prayer. 

47~ We don't change cars very often. We keep our cars for a long time. We just keep up the maintenance on them. Presently I drive a 1986 Honda. I just love it. 

48~ We do not withdraw money without the other's knowledge. So I don't have to worry about an ATM withdrawal that my husband made without my knowing, thereby putting our account into jeopardy if I was to write a check thinking that money was in there. We work together as a team. We also do not make any singular purchases over $50 without the other's prior knowledge and consent. This has served us well. So I've never had a check bounce. 

49~ Our children get one big birthday party during their growing up. Otherwise, it is a family birthday party. This saves so much money and stress. Plus that one party is a lot of fun, since we only do it once in their childhood. Quincy had his at 18, Brady had his at 16, and I think Abbie is shooting for hers at 16 as well. Gabe is still up in the air about his. We really enjoy our family parties and make a big deal about the cake. They will spend days choosing their cake, especially when they were young. Although Abbie is studying my cookbooks presently for her upcoming birthday. Our children love to buy presents for each other. I take them to the thrift shops and other inexpensive stores to shop for their siblings. My boys have their own incomes, so they really enjoy shopping for their siblings. I think we've always enjoyed our family parties. As I said before, I think the good things in life can be so simple and pleasurable. 

50~ I just thank the LORD for all I have. I am so blessed. I have a husband who works hard to take care of us. I have four children who work with me to bless their dad. We have running water, even hot running water. So many servants: a washer, a dryer, a vacuum, a toaster, a blender, a microwave, a telephone, a computer, a stove, an oven, a refrigerator with a freezer in it, a car, and an indoor toilet. I am so thankful! 

If then you have not been faithful in the unrighteous wealth, 
who will entrust to you the true riches?