Tuesday, October 18, 2005

Financial Rumblings

Today's kind of a limbo day. Nothing much happening so far. R has his after school program, then we're both helping out with the kids tonight. It's a family fun night this week. I start the cooking lessons next week. Praying for guidance on what to have the kids make. I start off with the older kids next week and I have a 40 minute session.
Payday today. I've already taken out my tithe, and we're pretty much on track for the budget. I have to get off post-dates for the last 2 installments to the Trustee this week, and then the proposal will be over. Hard to believe we've actually made it to the end. I remember back to when things were in such turmoil and I heard God urging me to admit the problem and get help. That seemed like such a huge step. It seemed wrong to admit we just couldn't do it, without being forced by some creditor. Seems funny now, but at the time it was terrifying. And I also had to convince D that we should admit our problem and seek help. It's been a rocky road, but God's faithfulness has shone through. With his help, we're actually tithing now, and slowly getting into better shape.
I remember when we first met with the Trustee and he went over how a proposal works. One of the things he warned us about was that once signed and accepted we would be responsible and could not change or alter the agreement or amount to be paid. He warned that if either of us lost our jobs or took a decrease in pay, it would be very difficult and we would still be bound by the agreement. Well, sure enough, D's salary has been all over the map. Only God's faithfulness has seen us through that! And now that we've come through it, D now has steady, secure employment.
It's a corner I'm more than happy to turn, but it's certainly a milestone we need to remember. How God guided us and brought us through it all. And not without us making mistakes and bad decisions, but he remained faithful. Now I've got money saved in our work stock fund, and we're starting to build up a bit of savings. The house has increased in value and our mortgage has slowly gone down. Once the trustee discharges our proposal, we're talking to the bank about clearing up the 2nd mortgage we had to do earlier this year. Get that done and hopefully start setting the financing for the new house in motion. That will be the next step in determining God's will. If I'm right and he's pointing us to the new neighborhood, it will certainly take his intervention to get us there. And the doors have already started opening. When D talked to the bank last week, they said that our credit is actually not that bad, despite the fact that they're the ones who we had the most difficulty with over the past year. They seemed quite willing to discuss options once we have the discharge papers. Obviously God's hand again.

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