I chose this title from one of my favorite Bible scriptures referencing money. I like it so much because it provided me with strength to know that I will be in a position to become a lender. To me, this has more meaning behind it than a simple financial transaction. It says God gave us the ability to be ahead, and not behind. I want to live by this message daily and help others live that through their finances. Once upon a time, money ruled a large part of my world and I lived as a borrower. Now, I’m ready to take my rightful position as a child of God and be the kind of “lender” He will have me be.
During my undergraduate years I took out student loans to help fund my education. I took out more than the tuition just to live off of. I was working full time during those years but I still felt the need to have a little extra. The school was offering, so why not? What did I do with that money? I can’t give you anything exact because, to be honest, I blew right through it. During my graduate years I took out even more money. Apparently I didn’t learn my lesson. I wanted new things- clothes, shoes, you know, live the American dream on borrowed money. I didn’t get a full understanding of what a terrible mistake I had made until 6 months after I graduated and got the bill for my first payment. Things were not looking good.
An addition to my high student loan bill, I had decided to treat myself to a graduation present in the form of a new car. A Nissan Maxima to be exact. I felt like I deserved it, after all I worked hard for my degree, all while working two jobs. It was my time to shine and I was going to do it while riding the streets of Atlanta in my new shiny black car. In my defense (if there is such a thing), I was living a normal American lifestyle. Who doesn’t have a car note and a student loan? Most Americans do. As a matter of fact, a student loan is considered “good debt”. There was absolutely nothing wrong with what I was doing. Now, two years later, I understand there was something terribly wrong with what I was doing. How can I help others if I’m broke myself? How can I be in a position to be able to lend when I’m stuck in the “borrow” mode?
Today, I am working hard to get out of debt. It is probably one of the hardest things to do living in a consumer driven society, but I’m so eager to get out of the “borrow” mode. Nothing worthwhile comes without sacrifice. You must make sacrifices to win. No one is going to sacrifice for you in order for you to win- you have to do that. I understand that more and more. Are you ready to become a lender or better yet, a giver and stop being a borrower? Habits can be hard to break, but with a diligence and perseverance anything can happen- and this I know to be true.