Quietness, trust and not using credit

By KATE WALSH SOUCHERAY

It is so difficult in our world today to delay gratification. Any and every material thing we want is waiting for us, inviting us to purchase it. Often, we will succumb to accumulating debt by putting everyday items on credit as we satisfy our desire for these things. This choice often appears less troublesome and difficult than saving the needed amount of money required to purchase the item.

Our craving for these items can become like a monster living within us. No matter how much we feed it, the monster continues to grow and is never contented. And no matter what we do or how much we spend, the things we buy devalue in our home, sitting in the front yard or the garage, which requires us to continue feeding the insatiable monster that demands the purchase of more stuff.

This Scripture passage reminds us that by waiting and calm we will be saved. There will be a quiet and a sense of trust in ourselves to control our desires as we save the necessary money for the purchase, rather than to put the item we want on a charge card. We will be saved from poor choices to spend money we do not have, as well as gain confidence in ourselves that we can control the monster that lurks within us, when we save the money we need and wait to purchase the everyday item until we do.

If you have fallen into a habit of spending money you do not have by putting things on credit rather than saving the money needed for the purchase, seek counsel with a financial planner so you can correct this habit as early in life as possible. In doing so, you will avoid paying excessive interest rates when you pay only the required amount each month, which is what often happens. And this habit sinks a person or couple farther and farther into debt, making the possibility of financial freedom more elusive and unimaginable with every passing day. If you must put something on credit, do so only if you know you have the money to pay off the balance when the bill arrives. Otherwise, think twice about using credit, or that lovely experience of quietness and trust will seem to drift farther away with each passing day.

Kate Walsh Soucheray is a licensed marriage and family therapist in Stillwater. She works at Christian Heart Counseling at 275 Third Street South and can be reached at kate@christianheartcounseling.com or 651-439-2059 ext. 718

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