Book review: 'Your Money God's Way' by Amie Streater

In the 16 years I have been reading about personal finance (specifically, debt-free living), I have read a lot of books, studies, articles and scriptures on the topic and have gathered a ton of tips and advice.

And after the umpteenth book, I’ve been tempted to conclude, “You’ve read one get-out-of-debt-book, you’ve read them all.”

Amie Streater’s “Your Money God’s Way: Overcoming the 7 Money Myths that Keep Christians Broke” is different. But in a surprising way.

She uses words like “stupid,” “annoying” and “creeped out.” The woman doesn’t pull any punches. She tells it like it is.

And, while I am guilty of being brutally blunt at times (not as much as I used to, praise God), this woman takes the prize.

But once you get over the shock of reading sentences such as, “That’s the stupidest thing I have ever heard!” you grow to appreciate her candor.

She’s the Dr. Phil of Christian debt counseling.

And, yes, she is a Christian counselor – an “associate pastor for financial stewardship” who has met with countless individuals and couples who have screwed up their lives with bad money decisions.

(Haven’t we all screwed up royally in one way or another?)

Streater’s style may be blunt, but she offers solutions. She points out our “counterfeit convictions” and counters them with biblical wisdom, citing scripture to back up her advice. Many of those verses talk of God’s grace and his abundant love for us. He doesn’t want us to “live in chaos, frustration, lack, and debt,” she concludes.

And Streater doesn’t just talk the talk. She has walked the walk and lived to tell about it.

After all, God uses the fears and foibles we have overcome (with His help) to lead others to the light.

This book gives light. You’ll profit by reading it.

Disclosure of Material Connection: I received this book free from the publisher through the BookSneeze.com book review bloggers program. I was not required to write a positive review. The opinions I have expressed are my own. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”

Pepper and The Big Blur

Bruce thought he’d try his hand at photography this week. Our favorite subject: the Spice Dogs. Here’s a pic of Pepper, our 3.9-pound Min Pin …

Pepper, age 6

… and then there’s Salsa, our 14-pound bundle of energy. I can’t recall a photo of her that isn’t blurry. She’s a Manchester terror – er,  terrier – who NEVER slows down unless she’s getting a belly rub, her favorite thing in the world. (Pepper’s favorite thing: FOOD.)

Salsa, nearly age 6 (we think)

Salsa and Pepper, the Spice Dogs. They’re half the inspiration for the name of this blog (see my very first post for the rest of the story).

Bruce and I are wacky for, with and because of these two goofy animals. We’ve even got my mother crazy because of them. One Saturday morning a few weeks ago, she called and said she wanted to come over and see her babies. “Sure,” I said (I assumed she meant Bruce and me). When she arrived, I quickly discovered that she meant the fur-babies.

Never thought my mom would act that way over a dog.

Gotta love ’em.

Give thanks

Friends,

I wasn’t planning to post tonight, but I ended up online and just had to take two minutes to say this:

Wherever you are in your journey, whatever circumstances you’re in  – whether difficult, easy or somewhere in between – take a moment to stop and thank God for your life.

Life is precious. Be grateful for every breath you take.

“I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want.” Philippians 4:11-12

Raise your hand if you love Jesus

“Come, let us bow down in worship, let us kneel before the Lord our Maker.” – Psalm 95:6

God wants us to worship … HIM.

He talked about it countless times in scripture.

Type the word “worship” in the search box at BibleGateway.com, and you’ll get 250 hits. A quick scan of those results reveals verses on worship from Genesis (Abraham and Isaac) to the last chapter of Revelation (John and “the angel”).

In Exodus, God told Pharoah several times, “Let my people go, so that they may worship me.” Because Pharoah wasn’t listening to God’s messenger Moses, God had to step in and show Pharoah that He meant business. (Remember the 10 plagues? Not pretty.) God finally got His point across, and the people went. (How long it took them to reach the Promised Land is another story.)

The Israelites worshipped. And they complained. He blessed them. And they complained.

Just like the Israelites, we don’t always get it right. Yet God blesses. This side of heaven, our worship will never be perfect, just as no other aspect of our lives will be perfect.

Yet God blesses.

Even though our worship isn’t perfect, God still wants it, and when we do it, we grow closer to Him. (That’s His real purpose, after all.)

But what does it mean to worship?

I’m no theologian, but I know that worship should be about God and not us.

I’ve been particularly convicted lately about how I worship on Sunday mornings, during the “worship” part of the service.

Bruce and I moved to Batesville in May, and we visited two churches back and forth for a few weeks before settling on Fellowship Bible Church of Batesville.

Doctrinally, the churches are the same. The music styles are the same. The people are the same.

But we couldn’t help comparing – both by contrasting the music at the two churches and by comparing those two to the music at our church in North Little Rock, Fellowship North.

By the world’s standards, the music at Fellowship North is superior. We got used to professional-sounding instrumentals, vocals and performances. The music at the other Batesville church is more like that of FN. Not that the music at our new church is bad; it just isn’t as “full” – robust, maybe? We do “enjoy” it.

I was talking to our new pastor today about this topic. I haven’t been able to explain the difference in “music quality” among these three churches except to theorize: Maybe it’s because of stronger voices (and more voices) on FN’s worship team. Maybe it’s that FN has more instruments. Maybe it’s the acoustics (FN meets in a “church building,” while Fellowship Batesville meets in a converted movie theater and the other church meets in a former retail or warehouse space – I forget which). Today I thought of another thing: The worship leaders at FN tend to be a little more “dynamic,” more emotional, more showy – although showy is not quite the right or fair word. Demonstrative, maybe?

One day a few months ago, our three worship leaders at FN used part of the service to explain where they were coming from. Each one of them – Josh, Dena and Russell – expressed a desire to use their talents to glorify God and lead the congregation to worship Him, as opposed to having themselves or the “team” be at the center of the spotlight.

Yet I tend to worship the voices, the huge talent – not the God that created them. When I catch myself doing that, I remind myself that He is the source of their talents and that they wouldn’t be there if not for His gracious gifts.

But I still find myself doing it. I am emotionally connected to music. I love all kinds, from country to opera. In a “worship service” – which should be any service where Christ followers gather – it’s hard not to focus on the music when the music is lovely and moving and full of godly sounding words.

Here’s what Rick Warren says in The Purpose Driven Life:

“Today many equate being emotionally moved by music as being moved by the Spirit, but these are not the same. Real worship happens when your spirit responds to God, not to some musical tone. In fact, some sentimental, introspective songs hinder worship because they take the spotlight off God and focus on our feelings. Your biggest distraction in worship is yourself – your interests and your worries over what others think about you.”

Which brings up another point: “What others think about you.”

I didn’t grow up in a church of raising-your-hands-in-worship. It’s hard – even after attending a church for 16 years (FN) where no one looks at you funny if you do – to convince yourself that God won’t think it’s odd at all if you lift your hands to worship Him. The Bible tells of many methods used to worship the Creator – dancing, singing, praying, playing instruments, giving offerings …

At Fellowship North, a church where I felt more at home than at any church before it, I witnessed the raising of hands in worship almost every Sunday. The upraised hands were few on some Sundays, but they were present. Some occasions led to more hand-raising than others, but the point is it was normal.

On any given Sunday, I might have a conversation with myself (and sometimes with God) that included one or more of these phrases:

“God, I want to raise my hands.” (“Just do it.”)
“People would see me.” (“So?”)
“It would feel funny.” (“Only the first couple of times.”)
“People would think I’m weird.” (“Isn’t my opinion the only one that really matters?”)
“I want to raise my hands in worship, but it just isn’t me. I wasn’t raised that way.” (“I’m raising you different now.”)
“Someday I’ll do it.” (“I can wait.”)

God is so patient with His kids.

A few days ago I discovered that my new pastor had a blog when he was in seminary. He hasn’t posted since 2007, but, as I told him, truth doesn’t really have a time limit (I’m very profound sometimes). His words from 2004 spoke to me six years later. Click here to read what John Mark wrote about Sunday morning worship (scroll to Nov. 25, then back up to Nov. 29).

I read those posts just a few days ago, and this morning my “worship” was a little more God centered than Me centered.

Progress.

One manifestation of that: I raised my right hand … maybe halfway (I had my eyes closed, so I couldn’t tell for sure).

Did I feel self-conscious? Yes, a little bit, I have to admit. But mostly not. I mostly cared what God thought of me, not what others might be thinking. Fellowship Batesville is smaller, so I don’t think there are as many hand-raisers as FN has.

Maybe we can change that. I’m not saying that every member of every church has to be a hand-raiser. But for someone who thought she wasn’t a hand-raiser to be becoming a hand-raiser, it’s something I’ll want to ruminate about. How many people in our churches don’t lift their hands to God, not because they’re not-hand-raisers but because they’re afraid someone will think they’re weird? Or fanatical? Or – horrors – charismatic?

When we care more about what God thinks about us than what other people think about us, we’re inching closer to Kingdom thinking.

Anybody want to high-five me on that?

Surprised by lilies

Someone planted lilies in my flower bed while I wasn’t looking.

A few minutes ago, I went out to water the flowers on the front porch, and when I was finished I looked down at the flower bed below and could not believe my eyes.

Two beautiful, pale pink lilies were standing tall next to the nandinas. We left town Thursday morning and didn’t return until Sunday night, so I’m not sure when these beauties sprouted. (Mom watered for me a couple of times while we were gone, but she obviously didn’t see them.)

This was the best photo I could take of my delicate new friends. The rest of the shots are quite foggy; a huge humidity pod has taken over the South, and my camera lens is one of its more sensitive victims. When the temp reaches more than 100 degrees and the humidity is, like, a zillion percent, what chance does a cold little piece of glass have when it meets up with the big bad, moist hot air outside? I just could not keep that foggy lens clear while I took pictures, so I decided to take some through the fog. Those will be known as the “art” shots, although you probably will never see them here because they are SO foggy.

I try not to complain too much about the weather, but I have done my share of whining this year. The humidity makes me cranky. I LOVE our new home in Batesville, but I’ve spent a lot more time in the yard here than I had at the North Little Rock house the past couple of summers. This means more hair washing (sweaty, yucky hair), more showers, more mosquito bites – but in the end, more joy, too.

Have I mentioned I love digging in the dirt? Why, I believe I have mentioned it a couple of times (click here and  here to see my older posts about flowers and gardening).

It’s still true.

Gardening is one of life’s profound and simple pleasures, and if a little humidity (and by that you know I mean a LOT of humidity) is the price I have to pay, it’s worth it.

It’s worth the mosquito bites, the ant hills, the chipped fingernails – even the sweat trickling down places you shouldn’t mention in public.

And every once in a while you get a sweet surprise.

Pale pink lilies.

Out with the old

This is the reason I haven’t posted in so long.

We’ve been in our house in Batesville for about five weeks now (after staying at Mom’s tiny house for five weeks).

I’ve been dying to update everyone about all that has been going on in our lives (my new job, family stuff, new church, community events), but the house has overshadowed most of it. We’ve been ripping down wallpaper, washing off the old glue, unpacking boxes (a few at a time) and trying to find time to sleep and enjoy a little bit of family fellowship. After all, family is why we moved here.

After we moved in with Mom on May 8 (just 5 hours after I took my accounting final [I made an A in the class, by the way]), we drove back to North Little Rock every weekend to haul more stuff up here, clean and make repairs at that house.

(Speaking of the North Little Rock house, tell all your friends about it! We want to sell it: Click here to see the real estate listing.)

You can’t really tell by the photo above, but the carpet was mint green and the wallpaper was several decades old. Another thing this picture doesn’t tell: This floral wallpaper (and the paneling) encompasses not only the hallway and the “den” area but the kitchen and dining room. That’s a lot of flower.

We replaced the carpet before we moved in, then we started ripping down wallpaper. Bruce has nearly finished painting the walls a nice kitcheny green (darker than it looked at the store, but we can live with it for now). Then we’ll tackle the bathrooms. Betcha can’t wait to see those photos! (Wait until you see the pink-tiled bathroom with the pink-flowered wallpaper.)

Hey, friends, I want to tell (and show) you all about it, but it’s bedtime for this sleepy girl. I’ll work really hard to post again soon. I have nearly a month before classes start at my new school, UACCB (I’ve declared a banking and finance major now that I’ve started my really great bank job), so I need to post a good update before I get too busy with my studies.

Hope all is well with you all, my friends. Post a comment and say hey.

I grew these!

I may not be very good with the growing of the food, but I seem to have found one that will grow despite my neglectful ways. These are my first strawberries, and the most successful attempt at growing actual food (several attempts at tomatoes have left me with nothing but anger at the local population of furry critters), so I’m obviously excited.

I bought this strawberry plant two years ago from Josh Hardin of Hardin Farms at the Certified Arkansas Farmers Market in North Little Rock. Josh gave me a few tips, I followed his advice, then promptly got busy with life and forgot about the berry plant. At the end of the first season, I assumed I had neglected it to death, but last summer it was still alive, and a couple of weeks ago I was bringing in the mail and saw a bunch of little itty bitty berries, so I watered it. A few days later, the berries were bigger and bright red, so I picked them. Today, I saw this beautiful sight. More berries to come!

Strawberry shortcake, anyone?

Argenta Market to open April 1 – finally!

Friends, I don’t know about you, but I have been waiting for what seems like FOREVER for the Argenta Market to open in downtown North Little Rock.

After delays, postponements and more delays, it will open April 1 in the building that used to house Argenta Seafood restaurant. According to Chef Shane, it will be well worth the wait (and I can see my trips to Whole Foods in west Little Rock becoming a thing of the past). Click here for the scoop on our long-awaited market.

Saving the world is not just for liberals

Here’s a mostly balanced op-ed piece from Nicholas D. Kristof of The New York Times. I say “mostly balanced” because I don’t think we should blame the Vatican’s “hostility to condoms” for the growth of AIDS. That’s just my opinion.

Learning from the sin of Sodom

For most of the last century, save-the-worlders were primarily Democrats and liberals. In contrast, many Republicans and religious conservatives denounced government aid programs, with Senator Jesse Helms calling them “money down a rat hole.”

Over the last decade, however, that divide has dissolved, in ways that many Americans haven’t noticed or appreciated. Evangelicals have become the new internationalists, pushing successfully for new American programs against AIDS and malaria and doing superb work on issues from human trafficking in India to mass rape in Congo.

A pop quiz: What’s the largest U.S.-based international relief and development organization?

It’s not Save the Children, and it’s not CARE — both terrific secular organizations. Rather, it’s World Vision, a Seattle-based Christian organization (with strong evangelical roots) whose budget has roughly tripled over the last decade.

World Vision now has 40,000 staff members in nearly 100 countries. That’s more staff members than CARE, Save the Children and the worldwide operations of the U.S. Agency for International Development — combined.

A growing number of conservative Christians are explicitly and self-critically acknowledging that to be “pro-life” must mean more than opposing abortion. The head of World Vision in the United States, Richard Stearns, begins his fascinating book, “The Hole in Our Gospel,” with an account of a visit a decade ago to Uganda, where he met a 13-year-old AIDS orphan who was raising his younger brothers by himself.

“What sickened me most was this question: where was the Church?” he writes. “Where were the followers of Jesus Christ in the midst of perhaps the greatest humanitarian crisis of our time? Surely the Church should have been caring for these ‘orphans and widows in their distress.’ (James 1:27). [Read the entire verse here.] Shouldn’t the pulpits across America have flamed with exhortations to rush to the front lines of compassion?

“How have we missed it so tragically, when even rock stars and Hollywood actors seem to understand?”

Mr. Stearns argues that evangelicals were often so focused on sexual morality and a personal relationship with God that they ignored the needy. He writes laceratingly about “a Church that had the wealth to build great sanctuaries but lacked the will to build schools, hospitals, and clinics.”

In one striking passage, Mr. Stearns quotes the prophet Ezekiel as saying that the great sin of the people of Sodom wasn’t so much that they were promiscuous or gay as that they were “arrogant, overfed and unconcerned; they did not help the poor and needy.” (Ezekiel 16:49.) [Read the entire verse here.]

Hmm. Imagine if sodomy laws could be used to punish the stingy, unconcerned rich!

The American view of evangelicals is still shaped by preening television blowhards and hypocrites who seem obsessed with gays and fetuses. One study cited in the book found that even among churchgoers ages 16 to 29, the descriptions most associated with Christianity were “antihomosexual,” “judgmental,” “too involved in politics,” and “hypocritical.”

Some conservative Christians reinforced the worst view of themselves by inspiring Ugandan homophobes who backed a bill that would punish gays with life imprisonment or execution. Ditto for the Vatican, whose hostility to condoms contributes to the AIDS epidemic. But there’s more to the picture: I’ve also seen many Catholic nuns and priests heroically caring for AIDS patients — even quietly handing out condoms.

One of the most inspiring figures I’ve met while covering Congo’s brutal civil war is a determined Polish nun in the terrifying hinterland, feeding orphans, standing up to drunken soldiers and comforting survivors — all in a war zone. I came back and decided: I want to grow up and become a Polish nun.

Some Americans assume that religious groups offer aid to entice converts. That’s incorrect. Today, groups like World Vision ban the use of aid to lure anyone into a religious conversation.

Some liberals are pushing to end the longtime practice (it’s a myth that this started with President George W. Bush) of channeling American aid through faith-based organizations. That change would be a catastrophe. In Haiti, more than half of food distributions go through religious groups like World Vision that have indispensible networks on the ground. We mustn’t make Haitians the casualties in our cultural wars.

A root problem is a liberal snobbishness toward faith-based organizations. Those doing the sneering typically give away far less money than evangelicals. They’re also less likely to spend vacations volunteering at, say, a school or a clinic in Rwanda.

If secular liberals can give up some of their snootiness, and if evangelicals can retire some of their sanctimony, then we all might succeed together in making greater progress against common enemies of humanity, like illiteracy, human trafficking and maternal mortality.