Haiti Update

A few months ago, God called Tim and I away from the church where we had been serving. We were not sure exactly why, just that He was being very clear that He had somewhere else for us to minister to others and be ministered to. We stepped out in faith, taking the hits that came with our decision, and have been learning a lot about trusting God. We have visited quite a few churches in the area and have been amazed that each Sunday we have gone to a new church, the message has been exactly on point for what God had been bringing us through that week. To have that type of confirmation as we have been on this journey has been invaluable.

Though we have experienced God in new and exciting ways these last few months, we have also had to deal with the struggle of feeling unattached to a local body of believers. We have missed the bond of believers that comes from seeing each other at small group during the week and then worshiping together on Sunday morning. Although we have made some incredible new friends and have received an enormous amount of encouragement from those new relationships, we have longed for the close camaraderie we once knew.

As we began the first conversations of our upcoming Haiti trip, we would often mention what a bummer it was that we didn't have a home church to support us.  We weren't talking about financial support. We wished for the spiritual and emotional support we had experienced from past trips and had participated in when others went out on the mission field. To have a church family physically surround you and pray over you before you leave, is a unique and beautiful spiritual experience that we would not have for this trip.

Thankfully God is much bigger than us!!

We began telling people about our trip mid-march. Support letters went out via email, facebook, and snail mail. At first we didn't get much of a response but we kept talking to people and praying for provision. The funding for our trip began to trickle in and along with the money came notes of encouragement and the promise of prayers. We received donations from people we haven't seen or spoken to in over 10 years.  Old work colleagues, one of Tim's Fresno State professors, ladies from my Bible Study group, even non-Christian friends were sending us funding for our trip. We even received $40 from a woman in San Diego who we've never met!

As of today, I am thrilled to report that we have received $3815 towards our $3500 goal and we know of a least $400 of donations that are in the mail. With the extra money we've been given, Tim will be able to purchase tools and prosthetic supplies needed to help stock the new prosthetic clinic where the first patient was seen and given a new leg this week.

To experience this level of emotional and spiritual support from people all over the country, some who know us well, some who we barely know, has been incredible. Though we don't have a local church supporting us, we have felt the prayers of our brothers and sisters around California and throughout the states in a powerful way and we will leave for Haiti knowing they are praying on our behalf.

God is good!!!

Life on a Budget

"She watches over the affairs of her household..."
Proverbs 31:27

The last few weeks I've had 3-4 friends ask me about family budgeting and how we make it work on one income. I figured I'd share our experiences and techniques and encourage any one else who might be in a financially challenging situation.

Last October Tim and I made the decision that I would become a "work at home" mom. It was a big decision that meant a huge life change for our family. Though we knew things would be different, I don't know that we were totally crystal clear on exactly how different. My last day of working in the "outside world" was October 2, 2009, right before the holiday shenanigans ensued. We were very quickly distracted by the festive hoopla and it wasn't until mid-January that we really began to feel the impact of our decision to have me at home with Sawyer. So, for the last month and a half, I have found a new job: Official Keeper, Adjuster, Balancer, and Assessor of the Household Financial Affairs.

Because I am an administrator at heart, after we were married, I naturally gravitated towards managing our family finances(bill paying, budget planning, etc.) but the last month or so, I have taken my job description to new levels. Because we knew going from two incomes down to one would be a major hit to our lifestyle, we began using "the envelope system" to help us make our budget.

Here is how it works...

Using a basic budget template I found on Excel, I put together a monthly budget I thought was realistic for us to follow using the following categories:

Check Payment
Tithe
Rent
Phone
Electricity and Gas
Internet
Vehicle Insurance
Health Insurance
Retirement Account
Savings Account

Cash
Groceries
Fuel
Dining Out
Hair Cuts
Medical
Clothing
Entertainment
Car Maintenance
Gifts

After figuring out how much money I needed to allot for each category, I plugged it into the monthly budget spreadsheet as "projected cost."

The first weekday of the month, Sawyer and I head to the bank and take out our cash for the month (I used to do this every two weeks but for our current budget needs, once a month works best). I organize the cash in my handy-dandy envelope that is divided into my nine categories and that is that!



Being able to literally see the amount of money we have available for eating out at any given time, helps us decide if we really want to spend that $10 at In N Out or if we'll save it for later and eat lunch at home because once it's gone...it's gone.

At the end of the month I go back to my Excel budget and plug in my "actual cost" numbers to compare them to what I projected and make any adjustments needed to make sure we make our budget the following month. For example, in February we came up about $50 short in our grocery budget. Because our God is such a provider and loves to bless us, He provided the $50 in a completely unexpected way and we were able to buy the groceries we needed. But to make sure we didn't get in that jam again, I adjusted some budgeted items and added the additional $50 to our grocery cash for March.

If this whole "envelope system" seems time consuming, well, it is. BUT it has allowed us to live on one income and not have to rack up credit card debt in order to survive. I probably spend an average of 6-8 hours a week on our "financial affairs" whether it be coupon clipping, meal planning, deal shopping, or prepping for the next months budget but because I consider it to be my new job, I approach it as a challenge and not as a burden. In addition, Tim and I know that, for now, God has lead us to this place and that as long as we are good stewards of what He gives us, He will continue to bless us and provide for us above and beyond what we think we need.

"The world and all its wanting, wanting, wanting is on the way out-but whoever does what God wants is set for eternity."
1 John 2:7