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Financial Peace

Dave Ramsey, whom I have written about before and whose Total Money Makeover program I've been following, has a program that's conducted around the country called "Financial Peace University."

Last month, as part of my plan to get my finances in order, I made the decision to take this 13-week course. Knowing myself, I figured that I'd get frustrated and discouraged right around this time (two months or so into the program) - because that's often what happens to me, with money as well as other things - and that having somewhere to go once a week to talk about money, discuss frustrations and be accountable to others might be a good thing.

Well, turns out I know myself pretty well. I'm still working my TMMO program and I'm making some progress, but things have slowed down slightly...

So tonight I went to the first class and I'm feeling re-energized and excited to re-examine my budget for December and figure out where I can cut back and/or bring in more cash and/or sell other things. My class is held in a church (like most of the FPU classes, it turns out) and most of the folks in the class attend the church. I'm the only singleton in the class with about 8 couples (talk about feeling "weird..." sheesh!). Fortunately for me, one woman is attending without her husband so we've decided to buddy up.

As I said, I'm excited about the class and attending the sessions each week and having the support from other folks; what I'm less thrilled about is how much religion is infused into it. I know it's in a CHURCH, but there are plenty of AA meetings in churches and they (mostly) manage to leave Christianity out of the program... I guess I was hoping this program would be similar... Um, not so much.

Now, granted, I'm a baptised Episcopalean and have associated with Christianity most of my life, but this is not Episcopalean Christianity. This is the farther-to-the-right type of Christianity that frequently makes me a bit uncomfortable. Now, I haven't completely discounted Christianity as a faith, but the fact remains that I have some serious doubts about it and have begun to look to other, non-Western approaches to the spirtual side of human nature and the world. Do I have all the answers? No. Obviously. My point is, right now I'm willing to entertain all ideas because - even when I was attending church regularly - Christianity just didn't feel quite right to me.

So when the class facilitator made the assumption that I was of a like mind, I felt pretty uncomfortable.. Telling him, in front of the entire class, "sorry - I'm just not sure about this whole Jesus thing..." didn't seem like the smartest move. (At least if I wanted to get out of the room without a sermon.) So I kept my trap shut and figured that I could discuss my own spiritual journey if and when the appropriate time ever arises.

So there's that. Zee is uncomfortable with excessive religious talk. However, one of the things that was suggested was that we each carve out a minimum of $25 per month to give away. I've not been in the habit of giving lately because I've been focused on paying off debt and what not, but after thinking about it a bit, the idea of giving away money - however little - every month makes me feel happy. So I'm going to do it.

I like this idea because the fact of the matter is, I am blessed. I have a good job, I make pretty good money, I have everything I need. No, I don't have everything I want but who does? My needs are met, and there are so many people out there whose basic needs - critical stuff like food, shelter and clothing - don't get met on a regular basis. Not to mention all the pets in need of loving homes, children who need to be adopted and arts organizations that need funding. I know my measley $25 per month isn't much, but it is something. If thinking about giving it away makes me feel this happy, I can only imagine how good I'll feel when I actually do give it away.

So now I get to decide to whom I should give the money. My first thought was the Oregon Humane Society: they do such good things and I just love the animals. Last year I donated some to the Oregon Shakespeare Festival and the National Multiple Sclerosis Society, but I'm not sure I want to donate to either of those on a regular basis. (More on the NMSS thing in a later post; it has everything to do with my own cynical point of view on the current state of healthcare in this country.) Donating to stem cell research appeals to me if I could figure out where to send the money. Giving to a non-profit music association does too. So now I just have to figure out which one!

Any suggestions?

Oh, and one quick aside: I know, I know, I know. I've promised to write about healthcare ... or at least something more interesting than my usual drivel. The sad truth is, I've been working a weird schedule this week and DAMN if it doesn't just throw everything off! I've been wiped out all week. So. Healthcare. It's coming. I promise. When? I'm really not sure...

Soon. I hope.

Comments

Hey Zee, if this is your real name …hehhehe!!,
I got the link to your blog from Linda in Seattle and I feel a tad bit guilty because I’ve been reading it for quite some time and never left a comment …what can I say , I am a huge procrastinator..
It’s funny , I was just having a conversation with my partner , who incidentally is the product of a very religious background ( father pastor, preachers and men of the cloth hanging all over his genealogical tree) exactly about this issue of Christianity bias .
I am jewish , not practicing albeit. We were talking about psychologists that have a very strong judeo-christian backbone . Myself I would not feel comfortable getting counseling (and lord knows I need it ) from someone who I feel is blinded by a strong believe… He was trying to convince me that it wouldn’t matter what spiritual believe fuels you, all that matters is the academics …I continue to disagree …I need an alcoholic agnostic dysfunctional therapist that can relate to me…LOL

Yo babe. I think it's great that you went to the class anyway. Being open minded means giving everyone and everything a chance to speak its own truth. The phrase "contempt prior to investigation" is said for good reason. Because we all need to learn & I'm proud of you for laying pre-judgement behind.

The financial journey I'm learning is indeed a spiritual one. Congrats on being willing to walk that path. Much love!!!!
~F


"I could have me a million more friends, and all I'd have to lose is my point of view."

~John Prine

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