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I speak for both my wife and I when I say that we grew up in families where financial stability was never spoken about. Our parents lived off credit cards; exceeding limits and late payments were normal. Opening credit cards was exciting and coupled with making minimum payments in exchange for material status was standard. Being debt-free was never the plan, we saw debt as a part of life, not something that we could have control over.
When we married, the finances turned into a topic to fight about, we both continued to repeat old patterns and practice the bad habits we had learned from our childhood. Even though we were believers, we had no hope in resolving these habits that we had become so accustomed to following. Until, one day in 2012 we decided to take the RFL Everything About Money class and get serious about God’s money. We began meeting with our RFL counselor in 2015 on a quarterly basis. He helped us stay accountable to our goals by advising us on how to budget and eliminate debt.
Since meeting with our counselor, we have learned how to run a budget, remove almost half our debt, purge our lives of unnecessary financial burdens, and we have found joy in increasing our giving to the church and our community. We tend to think of financial stewardship as only effecting our finances, but by God’s grace, taking responsibility of God’s money has healed areas of my marriage and relationships with family members. We are now at a place where we find joy in planning for our future and becoming debt free by 2018. I want to thank God, my wife Ziba, and the RFL team, for helping to teach us how to guide our family into financial security and freedom through Christ Almighty.
Nathan and Ziba
March 3, 2017
RFL members since 2012