Survival Budget

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Chapter 9- Can I Trust Him?

JPEG Cover-Vibrantby Tim Howington

Chapter 9

 Can I Trust Him?

 The long and the short of it is simply an issue of trust.  Can you and I trust God?  Can you trust Him to make all things work out for good in your life?  This is the essence of the faith walk: trust.  Without faith (trust) it is impossible to please Him and faith (trust) is in its very nature a belief in things we cannot see.  If you and I must walk by sight we will struggle in the faith walk.  And if I am honest, it is at this point that I struggle.  Can I trust Him?

My Dad passed away recently and as he was struggling through his last days I saw the fear in his eyes of uncertainty about death.  Continue reading “Chapter 9- Can I Trust Him?”

Chapter Eight- Refreshed by Generosity

JPEG Cover-VibrantBy Tim Howington

Chapter Eight

 Refreshed by Generosity

 I don’t think she even understood how desperate our plight had become.  Not just in terms of money but more importantly morale.  Hundreds of prayers seem to be bouncing off the ceiling and as they say in Arkansas “my dauber was in the dirt.” And then the check came.  The check from one of our partners is normally $100 a month but this one was $300.  I called my buddy to thank him for the extra and he quickly deflected to his wife (whom I haven’t met yet).  Seems she felt impressed of the Lord to send some extra money.  I live in Arkansas and God led someone in Mississippi to meet a need that I have been petitioning Him about privately.  God moved another person to generosity on my behalf.  When I talked to my buddy his comment was classic, “don’t thank us, it’s not our money anyway, we just manage the Lord’s money”.  I have just been refreshed by generosity.

What does that have to do with managing ourselves in times of financial crisis?  Continue reading “Chapter Eight- Refreshed by Generosity”

Chapter Seven- Give Me My Portion

JPEG Cover-Vibrantby Tim Howington

Chapter Seven

 Give Me My Portion

God is great, beer is good and people are crazy.  This is the chorus to one of my favorite country songs.  The story line of the song is about two guys who meet in a bar and hit it off and talk into the wee hours of the morning about all kinds of things especially how to navigate life.  Turns out that one of the guys is a millionaire who ends up cutting his kids out of his will and leaving his fortune to this guy he barely knew.  The song goes on to say, “His kids were mad as hell, but me… I’m doing well.  God is great beer is good and people are crazy.”

When it comes to inheritances people are indeed crazy.  So many families are torn to shreds based on how they respond to the loss of a loved one.  In our business of helping families with their finances, we engage with people in their estate planning.  Without a good estate plan many a parent has sent their household into a pretty predictable outcome of chaos as the children fight over the stuff.  A good will and trust plan helps to define what each child should expect as their portion of the estate.

Have you ever wondered what your portion is as a child of God?  Continue reading “Chapter Seven- Give Me My Portion”

Chapter Six …but is He Willing?

JPEG Cover-Vibrantby Tim Howington

Chapter Six

 …but is He Willing?

It is Mother Day weekend in Rogers and I just spent an hour or so with my Mother-in-law in the rest home. She has a bad case of Alzheimer’s and she remembers me most of the time. Betty and I have been friends from the first time I met her over 28 years ago.  The first time Terri took me home to meet her parents; Betty killed the fatted calf as they say.  In her case, she prepared Betty’s Spaghetti and German chocolate cake.  We have tried to copy her recipe over the years, but nobody does spaghetti like her.  And her German chocolate cake is to die for.  Well, 2 plates in and 2 pieces of cake and I am stuffed to say the least.  And then it hits me:  I need a nap in the worst way.  But, I am there to impress them. Betty reads the look on my face and tells me to go take a nap on the couch.  This is right down my alley: genuine hospitality. To Terri’s horror I take her up on her offer and the rest is history.

But, this Lady that I love dearly has a degenerative disease that has rendered her in a very lovely childlike state where my Father-in-law feeds her dinner twice a day. And she walks incessantly down a short locked hallway with 8 of her closest friends who also have forgotten most of their lives and families.  Is that God’s will for her life? Continue reading “Chapter Six …but is He Willing?”

Chapter Five-God is Able…

JPEG Cover-Vibrantby Tim Howington

Chapter Five

 God is Able…

I am not sure how you manage your difficult financial times but I have a tendency to check the mailbox a lot.  Gone are the days of God providing manna from heaven but occasionally we have experienced a little mailbox manna.  Oh, don’t misunderstand me, I am a firm believer that we should do everything that we can to be responsible.  But, when you get past that point what do you do?  When you get to the place that God has to show up or you are sunk.  Some people really have to be beat down to rock bottom before they will admit that there is a place where we depend on God for our very next breath.

I remember the Christmas where things were so tight that I wasn’t sure if we would be able to buy gifts.  My family was in prayer about it and we were waiting to see what the Lord would do.  I can still remember someone coming by our house and dropping off a Christmas card.  When they left we opened the envelope to find almost to the penny what we needed for our Christmas budget.  My son, who had been praying with us about this, immediately recognized that God had answered our prayers.  As I write this I am a little embarrassed that we were in that spot.  But let’s be transparent for a moment.  There are hundreds and hundreds of people who are in just that predicament from time to time.  It may not be at Christmas, but there are times when you are looking to God to land that deal, sell that car, turn your sales around or make that bonus check materialize.

It is at these times that we find ourselves asking some tough questions:  Is God able to handle my situation?  Is God willing to help me in my situation? Continue reading “Chapter Five-God is Able…”

Chapter Four- Managing our Emotions in Tough Financial Times

JPEG Cover-Vibrantby Tim Howington

Chapter Four

Managing our Emotions in Tough Financial Times

 My Dad calls it a flesh break.  I call it the tirades of a crazy man.  The Lord calls it sin.  I have to admit that I was a little surprised by the string of expletives coming out of my mouth.  Even though I whispered my displeasure toward the Lord, I think my heart screamed inside.  And to my chagrin there is no doubt that He heard me.  It has been a long time since I had been that upset.  Before I became a believer I had a pretty foul mouth but that was one of the things that I really hadn’t struggled with afterward.  That is till I hit the wall: the financial stress wall.

The Scripture says that anxiety in the heart of man weighs it down. Said another way anxiety in the heart of man wears him out.  Just like a marathoner hits the physical wall, a person who is dealing with ongoing financial struggles hits the emotional wall from time to time.  Growing up in a chronically poor family, I saw it first hand with my Mom who must have had the patience of Job.  But, ever so often she would lose it and have to work through her emotions.  I would like to think of myself as strong, but the reality is that in challenging financial times my heart is full of anxiety and that little boy who was so self-conscious about being poor reappears with all his insecurities.  I know that I am to focus on daily bread, but I am concerned that the bakery may break down in the future.  Managing our emotions in the face of financial adversity is a key to managing yourself.

But how do you do that? Continue reading “Chapter Four- Managing our Emotions in Tough Financial Times”

Chapter Three- Managing our Will in Tough Financial Times

JPEG Cover-Vibrantby Tim Howington

Chapter Three

 Managing our Will in Tough Financial Times

You wouldn’t know it by looking at me now but when I was a kid I used to be pretty fast.  I was not blazing by any stretch, but I ran a respectable quarter mile (54.5 was my best time, which by the way would be the record at my son’s middle school).  The quarter mile is the race that separates the men from the boys.  One time around the track as fast as your little legs will carry you.  It tests a lot of things but especially your will power.

The first part of the race is navigating the opening curve.  Your legs are fresh and your adrenaline is pumping so it’s pretty easy.  The backstretch is pretty boring and even though you are not tired, you are tempted to step off the track and walk straight out to the bus.  By the last curve, you are starting to feel it but there is something about being almost done and the curvature of the track that makes this part of the race kind of fun.  Then you find yourself staring down the final straightaway.  You can finally see the finish line and out of nowhere a 100 pound gorilla jumps on your back.  Your legs are burning.  Your lungs are exploding. And your mind screams at you to stop.  By this phase of the race I used to look down occasionally at my legs to make sure they were still moving.  The only thing that moves you forward is the will to finish what you started and the fear of your track coach who will help you learn to persevere to the end at the next track practice.  The key to managing the will in the quarter mile is to not look at the track, the crowd, your coach or even your own physical capabilities, but you must look at the finish line. Continue reading “Chapter Three- Managing our Will in Tough Financial Times”

Chapter Two- Managing our Minds in Tough Financial Times

JPEG Cover-VibrantBy Tim Howington

Chapter Two

 Managing our Minds in Tough Financial Times

I remember when my son studied about Johnny Appleseed in his first grade history class. Some think that Johnny was a fabled character who embodies the generous spirit of America. But, he was a real person. He was an entrepreneur type who loved his apple trees and made it his mission to plant nurseries of apple trees all over his part of the country. By the time he got through there were apple orchards all over the place. Johnny was a planter. And he spent his time and effort planting seeds that would blossom into trees that would provide sustenance to millions. Our topic in this chapter is not about agriculture, but is neurological in nature. The question today is what kinds of seeds are you planting in your mind? What kinds of thoughts are consuming your days? There is a battle going on for the mind and it is being lost at the seed level. We are planting the wrong kind of seeds and therefore we are growing the wrong kind of trees.

This is really true when it comes to managing our minds during tough financial times. The key to winning the battle for the mind has to do with what we allow our minds to focus on. If we focus on what we do not have, then we will plant seeds of anxiety that will grow into mind-trees of hopelessness. If we focus on what God is able to do, then our minds will grow beautiful orchards of contentment. Now I know that our thoughts may not pay the light bill.  But thinking about the right things keeps our hearts with the right perspective, which affects our attitudes, which allows us to struggle well in times of adversity.

What should we be thinking about?  Continue reading “Chapter Two- Managing our Minds in Tough Financial Times”