Money truly is the root of all evil no matter what way you look at it. Yet in the bible it says that we are suppose to tithe 10% of our income that we get. Pat and I were tithing for a while but then we stopped. I would love to start again, only we don't belong to a church right now so I'm not sure were to send the money. I guess we could send it to my Father-in-laws church.
I feel that this is something that Pat and I need to start doing again. Taking 10% of each of his paychecks and giving it to the Lord. It would be the same if we were to win the lottery. We would give 10% before we paid the taxes or anything else.
I really don't like how the world seems all about money. Yes there are people in this world that could care less about money, and that's great. I used to be about having nice things and showing them off to show that we had money. Only we did not have money we had credit. Credit is what got us in trouble, but we have figured it out already and are making changes in our lives and spending habits. We are paying everything off and never again putting anything on credit unless it's a car/truck or a house. We will just save up and pay cash for anything that we want. By having to save the money for something it will help give us time to think about, "do we really need this". Or is this something we can live without. Also with having to save for something, who knows something else that is even better might come a long and then we would already have the money for it.
I hope that someone who reads this can learn from our mistakes. Credit, yes it's something that you do need in life unfortunately, but you should be very careful how you build your credit up. If you open a credit card make sure you can pay it off each month. If you can't don't use it, don't even get one. They will just lead to trouble and more trouble no matter what. I started out with just one credit card with a small limit, well I still have that card and they kept on upping my limit for me. Yes it did come in handy when we had a dog that needed emergency surgery, but guess what, four years we are still paying on it. Why are we still paying on it, becuase there was other money still on that card from other things, and we have since put more on it as well. Things that we really did not need to have. So now here we are four years later still paying on an old bill for a dog that sadly had to put down.
So you can see how debt can follow you for years. If you buy something just because you think you have to have it, but then a few months down the road there it sits, not being used. Or maybe you even sold it for half the price you paid for it. If you can't pay the card off in full then you will be paying for that item that you had to have over and over again.
