Pivot, Pivot! #10.5-Going Against the Grain-Trusting God with Debt Freedom

Not Cut & Paste

Today’s topic (& pretty much every week’s topic) is not meant to show you a cut & paste way to handle a situation. It is meant to show you how God guides us if we are striving to honor Him above our own feelings, fears, or desires… if we are obeying His way over our own.

Going Back Home

Nine years ago, right after I had graduated from Liberty University (how has it already been NINE years?!), I went back to live with my parents in Northern Virginia.

My parents had just paid my way through Liberty, upon the agreement that I kept my grades up (I graduated top twenty percent of the School of Business!) &, what was later told to me, they would not be helping to pay for any wedding that could potentially happen (I didn’t know this then, as I had no relationship to consider at the time).

Debt

BUT, I still had loads of debt… to them.

How? Because my parents had HELPED me pay health insurance & car insurance for those three years, on the agreement that I would eventually reimburse them once I got a full-time job.

So, a couple hundred dollars a month, for three years, minus some I had managed to pay along the way, left me with a hefty sum of debt.

AND, to help me out, my parents were graciously allowing me to move back home after graduation, at age 26. (If you missed last week’s post, I waited to go back to college.)

My “Buffer” Account

I did have a savings account, that served as a (gradually depleting) buffer that allowed me to still fill up my gas tank & be available for lunches with friends (or as an emergency fund in case I had to have work on my car or other such unexpected expense).

Trying to Re-Write My Reputation

Whether intentionally or unintentionally, the pressure was laid on pretty thick, by my parents, to pay them back quickly by getting a full-time job.

I had been a difficult teenager, one who was always trying to get out of extra work, so I can understand their feelings of mistrust & urgency for me to prove myself responsible & willing to pay them back without endless delay.

But God had been working in me. I had been allowing God to grow me & weed out some of my bad habits & bad attitudes, & I had no desire to string my parents along.

I wanted to please them & make them proud.

I wanted to be a responsible adult & I was eager to start work & change the world (that’s how I felt, anyway).

But bad reputations have a nasty way of sticking around, even after God has changed your heart & attitude.

Can anyone relate?

A Changed Woman

Anyway, eager to prove myself a changed woman & a responsible adult, I looked for a job.

But I was looking for a career, not a dead-end job.

I was eager to work with an outreach program or youth ministry for a church. I was ready to change lives & impact people with the hope I was learning more about each year.

I definitely also looked for jobs I didn’t care about as much, though, because I was so eager to pave the path for a new reputation. I wanted to pay off my debt quickly & ease the minds of my parents, by removing the financial burden of my debt to them.

But God had other plans.

He wanted to show me more about trusting in Him, even when the pressure is thick.

A Word from God

In reading my Bible, I came across this nagging little truth (at least, it nagged at me because the conviction hit me hard. I was NOT ready to hear these words!):

Do not withhold good from those to whom it is due,
    when it is in your power to act.
Do not say to your neighbor,
    “Come back tomorrow and I’ll give it to you”—
    when you already have it with you.” (Proverbs 3:27-28)

You see, in keeping my little “buffer” savings account, while still owing a ton of money to my parents, God convicted my heart that I was essentially saying, “Come back tomorrow & I will give it to you”, when I already had it with me.

… AKA the exact thing God warns us NOT to do, in these verses.

A Chance to Obey

A choice had to be made in that moment.

Would I trust & obey God’s way of handling my situation? (AKA give my parents my savings account) … or was I going to hold on to fear & the comfort of being able to maintain the kind of life I was comfortable with, while waiting to repay them?

Too many times had I seen how things went way worse than I expected when doing them MY way, only to HAVE to try God’s way in the end & see it work out much better…

SO, I took out every penny of my savings account, (thus erasing any chance for impromptu dinners, lunches, coffee dates, movies, adventures with friends) & gave it directly to my parents, as a way to show them, THROUGH ACTION & not just words, that my dedication to repay them was sincere.

What Now?

And then, penniless, with just the full tank of gas that I had, I said “goodbye” to most of my social life.

(Adulthood was no longer seeming so appealing, haha.)

And… I prayed… A LOT.

I prayed for direction & peace & for my parents to see they could trust me… I prayed for a chance to move out & pay off debt & to GET A JOB.

I felt so untethered from the comforts I had always relied on & that led me to pray more than usual. I couldn’t just coast through this debt repayment anymore. I needed to make money to even just refill my gas tank next time!

So, I started (more) actively searching for a job… searching for ANY work to get me through to my next tank of gas (& those pesky bills) … babysitting, house-cleaning, mowing lawns, house-sitting, & whatever other oddball jobs I could manage to get.

Just Enough… Was Enough

Here is where I began to see that as I trust God (although, my human perspective still worried that I would miss bills & fail miserably) & lean fully into Him… He doesn’t leave us hanging.

While working my odd jobs, while also searching for a full-time job, I was earning just enough to scrape by.

I still gave ten percent of everything I earned as a tithe to God, through supporting my church.

Tithing When Barely Making It

Let me tell you, when you don’t even have money to ever go out to lunch with a friend because you are earning JUST enough to pay your current bills, fill up the gas tank, & pay the remainder to your parents for your debt, ten percent seems like SO MUCH MONEY!

But, again, I had seen how God has a purpose in every command He gives us & He promises to provide as we obey… SO, I trusted & obeyed, while giving ten percent of the precious little I had to the church.

And I am not telling you that to brag or to seem super righteous, but because God really does keep His promises to take care of our needs as we live in obedience & trust to His Word (the Bible).

Nothing Was Working the Way I Hoped, And Yet…

Listen to this… this is where it really got cool ….

Every full-time job opportunity fell through.

Every full-time job that seemed like a good potential, I felt a heavy wall block me from accepting it, as if God was saying, “nuh-uh… NO.” Even when I prayed for days afterward, hoping I could feel peace that never came.

I felt SO MUCH pressure from my parents’ even mild frustration (I am a people pleaser at heart) & I wanted SO BADLY to prove I meant it when I told them I wanted to get a job & pay them back & honor them in that way.

But ALL I HAD were oddball jobs.

I know, I know… These all seem like the opposite of “cool”….

Every Bill Paid ON TIME!

But, GUESS WHAT.

Every time a bill was coming dangerously close to being past-due, I would receive an unexpected call from either a friend of the family, a co-worker of my mom, or a friend of a friend who would somehow think to call me, & they would offer me another oddball job for some amount of time with some amount of money that they would offer….

AND Every single time, it would get paid to me DIRECTLY before my bill was past-due & be MORE than my bill was worth… enough to fill up my next tank of gas & chip off another tiny chunk of my debt (& still tithe).

EVERY. SINGLE. TIME.

HE Doesn’t Have Our Limitations

Girl, I want you to see that we serve a BIG God.

He is not bound by the limitations that we are bound by.

If we walk in trusting obedience to Him, He ALWAYS follows through & takes care of us.

Am I saying, “don’t take the job”? NO.

Am I saying to do it exactly how I did? NO.

I AM saying that, again, as we walk in trusting obedience to God’s Word & God’s leading on our hearts, He WILL be faithful to take care of our needs.

It may not always be comfortable (in fact, oftentimes it’s UNCOMFORTABLE, because it goes against our own understanding) or look the way we think it should or like we want it to, but we will see in those moments, that despite all that, God really did know BEST.

Oh, And One More Thing… Or Maybe Two

So, I urge you. I beg you. I challenge you, even… to trust Him.

Because He always knows what He’s doing, even when we are clueless.

And do you want to know the real kicker that gets me every time with this story?

Guess what, with those oddball jobs, over ONE Summer, I paid off my debt IN FULL.

Did I get to go to King’s Dominion with friends? No.

Did I get to go out for impromptu coffee or lunch dates with friends? No.

Was it comfortable never knowing if I could pay my next bill? No.

But, to see God work in the ways that He did AND allow me to pay off ALL OF IT during those oddball jobs… was the best Summer EVER.

*** Oh, & by the way… AFTER I paid off my debt to my parents, I got a job working for a small church in Alexandria, Virginia… where I met my husband. ***

God Always Knows

God ALWAYS knows what He’s doing, even when we’re just taking one step at a time & trusting Him with every part that we don’t understand. He always knows.

Shine hope, by trusting God first, last, & always.

Trust & obey & let Him lead by leaning into Him.

He’s got you.

Coming Next Week

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If you would like to hear more of my story, check out the “About Me” page. And if you would like to hear how I found my lasting source of HOPE, read the “Hope Is Found” page, on this site. I hope they are an encouragement to you! <3

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Let\'s Encourage Each Other!

Written by Michelle Hyde
Hello Lovely Ladies! I look forward to encouraging you today. I help weary women find hope & SHINE like they were always meant to! Let's do this journey together! If you want to learn how you can spread HOPE around the globe, Click Here to Learn More!