This post is part of an on-going series on the Blessings of Childlessness. For an introduction to the series,
click here. So far we've looked at
Marriage and
Ministry as areas of God's blessings to childless couples. The third and final area I want to consider is
Money.
Paige and I entered into our marriage relationship with nothing. Errr—scratch that. We had debt. I guess debt is something.
We learned many important lessons about money and financial stewardship early in our married life. Unfortunately, like many young couples, we had to learn some of those lessons the hard way—through job difficulties, credit card balances, car payments, etc. Still we are no experts in money matters, but God has taught us through the difficult experiences and He’s surrounded us with a multitude of wise counselors (Proverbs 11:14, 15:22).
Since early in our marriage, God has blessed us both with stable, long-standing employment. God has seen fit—according to His good and perfect will—to bless Paige and I with jobs that not only pay the bills, but are enjoyable and personally fulfilling. In our positions at work, as we've sought to labor heartily as for the Lord and not for men, we have both received financial blessings from God through promotions and new opportunities over the years. Through the means of regular, rewarding employment, God has provided for us financially. We acknowledge that and give Him all the praise. And as an obedient response to the Lord's generosity toward us, we are called to be good stewards of what we've been given. Furthermore, I believe stewardship falls into these categories which I will unpack below: Wise investments, good & proper uses, generosity to the local church, and generosity to others.
Wise Investment: Minimizing Debt & Investing Long-term
(Full disclosure: We are not 100% debt-free. It's a goal we hope to someday realize, but it is not a present reality.)
From what I hear, children are expensive little blessings. Not having children actually deletes a number of line items from the expense sheet of our household budget. And so we recognize as a benefit of childlessness the ability to use the money that other families may spend on baby furniture, clothes, accessories, food, diapers, etc. to pay down debt and invest in the future.
Are we financially independent? No. But we are comfortable and content. We have been able to pay cash for both of our [used] cars, some major expenses (a new computer, tablet, backyard landscaping, etc.), and some extended vacations. A couple of years ago we were able to build a beautiful new home that is quite large for our current family size. And we were able to purchase this home without having to sell our previous home. In many ways, it's our dream home and we plan to be here for many years. We see it as a long-term investment. Already, we have been able to use the home God has given us to show hospitality to our church family, our unsaved neighbors, and currently to Paige's brother who is living with us while he goes to college.
In making big, important, money-related decisions like those listed above, we try to answer three basic questions:
1.) Is this a good and proper use?
2.) Is this a potential investment? (In other words, will this pay for itself or generate future income?)
3.) Can we do this without a loan or any other form of indebtedness?
If the answer to #1 is no, than obviously we shouldn't do it. If the answer to #2 is yes, then we will most likely move forward; if the answer is no, then we may or may not move froward, depending on what it is. (For instance, while it may be a good and proper use, it's difficult for a vacation to pay for itself. But we will not go into debt to take a vacation; that's what a savings fund is for!) If the answer to #3 is no, then we will most likely steer clear. (One of the only exceptions we've allowed for this rule is the purchase of real estate.)
I recognize that this is all very basic and many families with children do similar with their finances. But the reason I outline this here is because we believe that it's extremely important for us to be diligent with our money in these days without children so that if God one day fills our house with little, expensive blessings, we will be as equipped as we can be financially-speaking.
Quality Time
I once had a coworker who was older than me by about 10 years and married with 2 kids. More than a few times he sought to persuade me to invest in "things." He called them "toys"--a new truck, dirt bikes and ATVs, jet skis, even a boat. While I love the outdoors and wouldn't mind owning a few of those "toys," Paige and I long ago made a conscious decision as a family to spend our money on making memories and not filling our house with "toys." For us, quality time together has been one of married life's most precious rewards.
There are many ways a married couple can spend quality time together. While a couple can get creative and do dozens of different activities relatively inexpensively, the unfortunate reality is that many enjoyable activities cost a pretty penny. Travel, spontaneous date nights, fancy dinners, sporting events, concerts & plays--we've been able to enjoy many of these pleasures of life without having to worry too much about the cost...or finding a babysitter. And so we recognize that one of the benefits of childlessness for us is using our money to invest in spending time with each other. And for us, time with each other also includes time together in church on Sundays and investing in the church's ministry.
Generosity to the Local Church
As I mentioned in the last post, I think that investing in the ministry of the local church is essential for healthy Christian living.
In his book, What Is A Healthy Church Member?, Thabiti Anyabwile explains that, for one, a healthy church member is a committed church member. And one of the ways a committed church member shows his commitment is by financially supporting the work of the local church ministry. Pastor Anyabwile writes, "He should follow the example of the Macedonians, who committed to a financial strategy that was sacrificial, generous, increasing over time, and fueled by faith in God despite present circumstances (2 Cor. 8-9)." Indeed, financial generosity to Christ's church should be of utmost importance for the believer.
Generosity to Others
Finally, not having children of our own has given us greater freedom to bless others. This has taken a variety of forms at different times throughout our marriage. Sometimes it might be donating to a friends' children's educational expenses; or maybe it's supporting a cause that's important to us; or sometimes it's just helping a fellow Christian in need.
I can think of one widow friend of ours who has exemplified this kind of unassuming generosity toward others for many years. She is extremely financially responsible, but she is also quite open-handed and helpful in times of need. She and others like her have been examples to us of what Paul quotes Jesus as saying in Acts 20:35, "It is more blessed to give than receive."
While we prayerfully wait to receive God's blessing of children--should that be His will for us--childless couples like us do well to remember that there is great joy in cheerful, open-handed giving.
~David