Guest Post by Beverly Hootman
“… and the borrower is slave to the lender.”
Proverbs 22:7, NIV
How true and hurtful this statement really is!! Truth, my husband is working two jobs to make sure we pay our debt. One is a full-time position as a firefighter/paramedic and the second is part-time as a paramedic in an emergency room.
He works long hours and is away from home a lot. Most of the time when he is finished working a 24–hour shift at the fire department, he goes to the hospital and works a 12–hour shift. That leaves him only one day off, then he is back to work to do it all over again.
Hurtful … we miss him and he misses us! He is tired after that kind of shift, and all five of his children and his wife want a piece of him. Plus, everyone needs time to themselves, and he just doesn’t have any time left.
One of Merriam-Webster’s definition of slave is: one that is completely subservient to a dominating influence. We have made and chosen the lenders in our lives to be the dominating influence and that has come at a cost. Family time is spent cleaning because mommy is burnt out and needs help. Quality time is replaced with video games because daddy just needs to veg. Vacations are non-existent because we can not afford them. So who gets all of his time and money? Our lenders!
Long story short, from 2008 until now we have managed to rack up a approximately $61,000 in debt (not including our mortgage) and have paid it down to just under $19,000. I know that is great but at what cost? That $19,000 is still a heavy weight on our shoulders … all of our shoulders.
Our children have time and time again begged for daddy to stay home, but he can’t. They have asked to go places other people go, but we can’t. All of our money is going to our lenders.
So, you see, when you borrow money from a lender you are taking time away from your family, your friends and yourself.
Do we sit down and go, “Well this car is $400 a month. That means I have to work this many more hours for this. Oh, and I have to be away from friends and family for those hours. That vacation I have been wanting to take will wait. I will have to miss this thing and that thing. Oh, and, God, my morning time with you just got used up for sleep.”
Maybe if we started to look at the whole picture of who and what is affected, then we would look at that car, that blouse, that house a little more differently. We get so caught up in instant self gratification, desires and wants that we don’t look into tomorrow and beyond. We don’t look at how it affects our life and others … and the borrower becomes the lender’s slave.
So, when you pull out the credit card or sign on the dotted line have you thought about the whole cost?
About Beverly Hootman: I am just a girl who loves running after God and falls flat on her face doing it. I like being real and transparent, not sugar-coating life’s issues. I love my husband and the five children God has blessed us with. I stay at home and home-school our children. I enjoy my morning time with God, blaring music, dancing with my children and giving my husband a kiss goodnight.