Harriet Connor

Author of Big Picture Parents

Tag: Money

But God is their inheritance

Every family I know seems to be feeling financially stretched at the moment. Our income just doesn’t seem to go as far as it used to. Many families are living pay cheque to pay cheque, with little left over at the end of the month. We’re taking on extra work; we’re selling our second cars; we’re eating less meat. We’re always trying to ‘get ahead’ and put something away for a rainy day. But the money just seems to evaporate.

It’s like pouring water into a dry well. We’re trying and trying to fill it up. But the earth is so parched, it just soaks the water up and we’re running on empty again.

As Christians, we trust in God to provide for us. We believe in the one who said:

‘ … do not worry about your life, what you will eat or drink; or about your body, what you will wear. Is not life more than food, and the body more than clothes? Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they?’ (Matthew 6:25–26)

As Christians, we pray each day for God to ‘give us today our daily bread’ (Matthew 6:11)—and he always does! But he rarely seems to give us a whole month’s provision to ‘store away’ in advance.

Then kids come along

Before having children, this kind of living by faith day-to-day can seem like an adventure. We pray and trust … and then we see God provide what we need just in the nick of time. But once we have children depending on us, having a near-empty bank account or fridge is just plain stressful. We can feel like we’re failing at ‘adulting’.

Those of us who have ‘baby boomer’ parents see them living very comfortably. They’ve worked in steady jobs and retired with a healthy amount of superannuation. They own houses, caravans, investment properties and can afford to go travelling. They seem to have enough left over to help us out when we need it.

But when we look at our own financial situation, we can start to wonder if we will ever build up any kind of inheritance to hand over to our own children—we’re struggling just to afford to live. We can start to feel guilty and afraid that perhaps we won’t have much material wealth to pass on to the next generation.

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When you’re feeling the pinch

How do you feel when you’re standing at the petrol pump or the checkout these days, as you watch the numbers on the display rise higher and higher? If you’re anything like me, your stress levels start rising in sync with the mounting tally.

Right now, many of us are feeling the pinch of the rising cost of living. So how can we and our families face financial stress in a healthy way?

Look up

It’s times like these when we really have to depend on God, the ultimate provider. Like the rest of creation, we must look to the one who ‘feeds the birds of the air and clothes the flowers of the field’ (Matthew 6:26–30).

With empty hands and heavy hearts, we can cry out, like the psalmist did:

1 I lift up my eyes to the mountains—
where does my help come from?

2 My help comes from the Lord,
the Maker of heaven and earth. (Psalm 121:1–2)

With the kids
We don’t need to explain the finer details of our finances to our children. But we do need to pray together as a family, asking God to provide for us. This shows our children that we’re depending on God, even when we’re feeling anxious. We could read Psalm 121 or Matthew 6:25–34 together.

Set your priorities

As our parents always said, ‘Money doesn’t grow on trees’! We can’t produce more of it, but we can choose how we spend the money we have.

It’s a good idea to sit down with our spouse and make a weekly or monthly budget. We can start by listing out how we currently spend our money and talk about our priorities going forward.

You might look at expenses like: everyday food, dining out, takeaway coffee, schooling, housing, cars, insurance, holidays, giving to church/charity, kids’ music lessons and after school activities.

Which things are non-negotiables for us, and which things can we change or compromise on?

With the kids
In our family, we don’t just say ‘We can’t afford it’ about something the kids want. Rather, we emphasise that it’s all about how we choose to spend our money. We tell them our priorities—a suitable house, healthy food, clothes to wear, education—and explain that the new toy or experience they want just doesn’t rank as highly. We also tell them that when they grow up, they can choose to spend their own money however they like!

Ask for help …

Keep reading over at Growing Faith, a Christian online magazine for parents. Find out more about Growing Faith and subscribe to our monthly e-newsletter here.

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