Financial Peace

Who REALLY has financial peace?!  Money is always a touchy subject.  It's one of the leading causes of divorce today.  Credit cards are so easy to accrue and student loans seem endless.  It overwhelms me to imagine our income vs. everyday costs.  Life is expensive!  So often couples enter marriage without a financial plan and doubling the income as a result of marriage gives a false sense of wealth. 
We decided to participate in Dave Ramsey's Financial Peace in January and we are loving it!  We enjoyed the first year of marriage and had no financial problems other than we didn't have a plan.  We weren't thinking about kids, college, emergency funds, or retirement.  I don't regret it.  It was a blissful first year. :)

We have now established a financial plan and it has been such a burden lifted off of our shoulders.  I have learned so much in just the first month.  I do have self discipline! :)  I have realized the difference between what I really NEED and what I WANT.  There are very few things I need.  I now truly enjoy and appreciate any extra cup of coffee or a night out with the girls.  Who knew money had such a stronghold in our lives?!  We often judge others on their financial status.  Many arguments stem from money talks.  Self discipline exposes it's weakness at the sight of the "perfect" dress. 
The Lord gives us money to live.  It was never intended to initiate any anxiety, stress, or be used as a weapon.  God is honored when we hold our materials lightly.  Last week I really wanted to buy coconut oil to add to my oil collection.  I love trying different oils in the kitchen.  It was pretty expensive so I opted to wait until it fit into our grocery budget next month knowing that it was a want and not a need.  The next morning I went to put on my winter coat and found $10 cash in my pocket.  That same day I found a $20 gift card to Barnes and Noble that I had planned to toss because I thought the card was empty.  I was able to buy the coconut oil and the perfect gift for my friend, Sarah's birthday that was also a bit over my budget.  I just knew in both of those moments God was blessing me.  I didn't need either of those things but he saw our hearts and knew our intention of being financially free.  We want to be free of anything that will hinder or take the place of our relationship with Him!  

Love,
 Nicole