My daughter taught me a lesson today.
Every year in February we head to to local tax office to file. We don’t waste any time in putting in our taxes because we usually get a good return. Considering our regular monthly income it is nice to have enough money to pay all our bills and still have something left over for something slightly frivolous … like clothes or savings for a house or a new couch that isn’t just “new to us” but really new, no stains or anything! We might even go out to eat once or twice (or three times or four depending on how much our return is… it is one of my husband's favorite things to do).
All that said, we do tend to get a little slap-happy with a positive balance in our account and before we even get our W2s in the mail I have started writing lists of the things we need to spend the money on. I start out very responsible and list real needs:
Rent
Electric bill
Phone bill
Tithe
Car insurence
Gas
credit cards
House fund
Then I start thinking of less pressing, less expensive needs:
Soap
paper towels
batteries
tape
light bulbs
razors
stamps
then I start to lose track of necessity all together:
pampered chef order (what! I need a spatula and some new spoons. Who says I will order beyond that?)
Craft supplies (for school?)
game console (that’s my husband’s)
waffle iron
new bedding
This is where my lesson comes in. I was sitting on the couch after we had come home from church. I was talking with my husband about the return we were expecting and how we could pay off our credit cards and try to build up our credit score so we can someday use that house fund mentioned at the top of the list. In the middle of this I casually mentioned “Oh, We need a waffle iron.”
“We don’t need a waffle iron, Mom,” my nine year old said “We want a waffle iron.”
Well shut my mouth! Turns out someone had learned in Sunday school about knowing the difference between wants and needs and I guess I was due for a reminder. She was right, I don’t need waffle iron, I want one - and looking at it in that light (you know, the light of truth) I can easily give over having one if I need to because I can say to myself “what do I want more, a waffle iron or that house we are saving for?” and the house always wins.
Sometimes I get into the thought pattern that says “it’s $30. what’s 30 bucks to $300,000? How could that even help or even be missed?” but that is nonsense. You can never reach $300,000 without first achieving $30 and then adding one more and one more and one more.
I think God is trying to teach me financial responsibility. It is not the easiest lesson I have ever learned, even if it is coming from my baby girl. Old habits die hard but with God’s help and occasional reminders from my children, I’m sure I will get it in the end.