Category Archives: Beth Hamstra

Kingdom Finances: A random passion of mine

Posted on April 11, 2012 by Lanie| 1 Comment

By: Beth Hamstra

I may not be using my MBA to the fullest, but I can rock our household budget spreadsheet.  When David and I were engaged part of our pre-marital counseling was a weekend financial management class.  We both had good jobs at the time and we set some aggressive goals.  Within the first three years of our marriage we were able to pay off all credit card debt and student loans (about $25,000) and save for a 20% down payment on our first home.  That doesn’t include the thousands we were able to invest into the Kingdom through giving!

There are plenty of books, seminars and websites that talk about personal finance so I just want to cover a few basics in this blog.  (I’ve included some recommended resources at the end and if you clamor for more I’d be happy to write a few follow up posts).

 

The Easy 1-2-3

Figuring out the most strategic plan to get your finances in order can seem complicated but I like to boil it down to a simple mantra:

1.    Give some, 2. Save some, 3. Spend some. 

 

I encourage you to renew your mind to a biblical perspective and set goals in each of these areas.

 

Give Some

We start with giving.  The Bible says in Matthew 6:19-21: “Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. But store up for yourselves treasures in heaven, where moth and rust do not destroy, and where thieves do not break in and steal.  For where your treasure is, there your heart will be also.”

This is the best investment news ever!  There is a guaranteed eternal return on our giving. We must make giving a priority.  It all belongs to God anyway; we are simply stewards.

Set a percentage goal that you want to give right off the top.  The “tithe” (or 10%) is a common place to start given the example set in the Old Testament (2 Chr 31:5, Mal 3:10).  Wherever you start, just start giving cheerfully to your local church!

 

2 Corinthians 9:7 says, “Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.”

 

Save Some

Right after giving we need to save.  Saving will help you to avoid debt.  Start with a goal of $1000 in “emergency savings”.  This is so that if the “unexpected” happens (a car breaks down, the roof starts leaking, etc)…which it will…you can pay for it in cash instead of going into debt.  After you get to $1000, stretch your goal to 3 months living expenses.  That way if you lose your job, you’ll be covered during the transition.

I don’t have time to go into the wonders of compounding interest here, but eventually you can start saving toward your future and allow your money to make money.  It is really one of the coolest things ever…but I’ll save my fun graphs for a later post.

 

Spend Some

Here is where you take the rest of your paycheck and divide it among your weekly and monthly expenses.  Live within your means (or below!) and make a plan to pay off debt.  Say it with me everyone, “NO NEW DEBT!”  Stop using your credit cards, sell your car and buy a cheaper one.  Make some drastic adjustments to get out from under your debt and I promise you will be sending me fan mail!  Living in financial freedom is blissful rebellion from what the materialistic world says we must have.

 

Recommended Resources

www.crown.org

www.goodsenseministry.com

www.daveramsey.com

The Treasure Principle by Randy Alcorn

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I’m having a pity party and you’re invited!

Posted on March 14, 2012 by Lanie| 7 Comments

by: Beth Hamstra

I’m embarrassed to admit it, but I struggle with self-pity.  Maybe it started in my pregnancies—hormones raging, interrupted sleep, excess weight—I would burst into tears as I struggled to pick it up something I had dropped.  Poor me.  And then there was having babies.  Yeah, they are cute and all.  A joy.  But they also are sooo demanding!  Again, hormones raging, interrupted sleep, two babies crying at once!  What do I do?  How do I make it stop?  What ever happened to my “me time”?!?  I look for someone to blame.  It’s my husband’s fault.  If he had just swaddled her more tightly she wouldn’t have woken up so much tonight.  Poor me.

 

It really is embarrassing.  I mean, when I’m not in the moment of despair I see it all more clearly.  Um, at least I have a husband who would try to swaddle the baby.  He is an amazing father and a huge support to me.  Not only that, but God has blessed me with two beautiful babies!  I’m not as bad off as self-pity would lead me to believe.

 

Helen Keller is often quoted on the danger of this subtle emotion:

“Self-pity is our worst enemy and if we yield to it, we can never do anything wise in this world.”

  How true.  When I give in to self-pity I am acting selfishly and it paralyzes me.  I can’t see anything beyond myself.  Self-pity blinds me to the truth of the situation and I choose to wallow in exaggerated lies that exalt my “pain” and “suffering” instead.

My friend once had a prophetic picture of self-pity.  The “victim” of self-pity was holding and caressing a small child.  She was giving it love and affection.  But when one looked closer, it wasn’t child at all.  It was an ugly demon from the pit of hell!  Self-pity is deceptive and tactic of the enemy to get us off track.

The solution? I’m still working on that, but I have a feeling it is all about perspective.  What will I choose to believe?  The truth or a lie?  And it has something to do with yielding.  Will I be over-taken by this empty emotion or will I stand up against it?

 

Hebrews 12:3-4 says,

“Consider him who endured from sinners such hostility against himself, so that you may not grow weary or fainthearted.  In your struggle against sin you have not yet resisted to the point of shedding your blood.”

 

How about that for perspective?  As we keep our eyes on Jesus and what he endured for us, we will have the strength to stand in our struggle against sin.

BTW – My pity party is cancelled.  No need to RSVP.

 

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Couponing is not my grace gift!

Posted on February 15, 2012 by Abby| 16 Comments

By Beth Hamstra

Couponing is just one of the many things I’m not good at.  I tried.  I even subscribed to the Sunday newspaper for a few months hoping to get the hang of it.  Epic fail.  Instead of bringing home 14 boxes of cereal for $2, I end up with a messy stack of newspapers cluttering the dining room table.  And then there’s the shame I endure at the grocery store when they ask if I have any coupons.  Nope.  Not one.

The thing is, I like to think of myself as someone thrifty and organized.  The kind you see on TV shows, or like my cousin in Knoxville who keeps a binder of valid coupons along with her grocery list written in order of the direction she follows down the grocery aisles.  The reality: I’m not.  I’m the girl who pays full price and then comes home to find at least $5 of savings in those messy stacks.  Maybe there is an iPhone app that can help me out…

I could add other things to the list of what I think I’m supposed to be good at: meal planning, systematically cleaning my house, scrapbooking, knitting cute accessories to sell on Etsy…this is what Super Moms do right?  After all, I left corporate America to be a stay at home mom…what else could I be doing with all this time?

Romans 12:3 says, “For by the grace given to me I say to everyone among you not to think of himself more highly than he ought to think, but to think with sober judgment, each according to the measure of faith that God has assigned.”

You see, in reality, I may not be the Super Mom that I want the world to think that I am, but there are things I’m good at.  God has given me a measure of faith for my home and for my calling.  With sober judgment I recognize that I’m good at loving my kids.  I enjoy hosting and coffee dates and digging deep into people’s lives.  I love speaking truth into hard situations and challenging people to believe God’s Word and to trust in His purposes.

God has given each of us “grace gifts” (Romans 12:3-8).  Don’t think of your gifts more highly that you ought and don’t covet others gifts, but with sober judgment and with faith, walk confidently in what he has given you!

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New Year’s Resolution: Duty or Desire?

Posted on January 4, 2012 by Abby| 3 Comments

By Beth Hamstra

Every year for Christmas my mom gets me a cute new journal.  It has been a tradition over the last several years.  I love new journals!  So every year I do my best to fill it up…sometimes making up for lost time and extra pages in the month of December, eagerly anticipating a fresh new book to come December 25th.  I also try hard to wait out the final week of the year before letting the ink from my carefully chosen pen inaugurate the first page on January 1st.

I can’t tell you how many journals have begun with three to four pages of aggressive goals for the new year to put me back on my path toward perfection.  Wake up earlier, spend more time in the word and prayer, exercise every day, eat healthier, be a better ____________ (insert current season of life: student, employee, friend, sister, daughter, wife, mom, etc).

Talk about biting off more that I can chew!  I think you can figure out where this is going: Each year the goals are the same and each year I find that I am still far from the perfection I was seeking.

I haven’t forsaken my A-type tendencies all together, but in recent years by the grace of God, the beginning journal entries look a little different.  I’m starting to realize that change is not dependent upon my self-effort.  Don’t get me wrong, it definitely requires effort, but my faith is not in “pulling myself up by my bootstraps.”  I might be able to have a short-term fix of my situation that way, but long-term heart change happens by the grace of God.

We have just finished a series in Galatians at our church.  The entire series was very provoking but I want to convey some of the points from my pastor, John Leitzel’s sermon on November 13th.

Galatians 5:16 reads, “So I say, live by the Spirit and you will not gratify the desires of the sinful nature.”  Some translations refer to the “sinful nature” as the “flesh.”   Paul’s exhortation here is to live by the Spirit.  The Spirit and the flesh are in constant opposition.  These are two different ROOTS; both producing fruit.

The root of the flesh: Duty

It’s not about making a long list of New Year’s resolutions and checking everything off.  Its not about having quality A, B, and C to make me a good Christian.  The Pharisees had all the “right” qualifications in that regard but Jesus was constantly rebuking them.  Pulling yourself up by your bootstraps to become a better Christian because “that is what I’m supposed to do” is living by the flesh.

The root of the Spirit: Desire

Instead of making my “perfect Christian” goals, I now start my journal off by penning a prayer to the Lord.  It looks a little something like this: “Lord, lead me by your Spirit this year.  I want my desires to line up with what your Spirit is saying and doing.  Help me to have a sensitivity to your voice and to be obedient when you speak.”  And then, instead of listing all of the areas I think I can improve on, I ask the Holy Spirit to highlight areas of sin or ways I should change.  And I rely on the grace of God to help me.

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Advent: A Holy Anticipation

Posted on December 2, 2011 by Lanie| 3 Comments

By Beth Hamstra

Waiting and anticipation seem to be the theme of my life lately.  My post from October describes a waiting and trusting in the Lord for his provision of a house.  As I type this post I am awaiting the birth of my second baby…39 weeks pregnant.  Sometimes the wait can seem overwhelming, but I know that any day now I will meet this little one.  Labor and delivery are imminent.

I can only imagine how Mary felt when she was 39 weeks pregnant.  One week to go.  Not just she, but the entire world waited with bated breath.  Will the Savior really come?  Will we really be set free?  Will we really have Peace?  God with us!  Please come Emmanuel!

Growing up in a non-denominational church, I never celebrated the liturgical Advent holiday.  In recent years, however, I have had a growing desire to learn more about Advent.  This independent study has produced in me a holy anticipation.  I’m not talking about the excitement leading up to December 25th, although that exists.  It’s just that when I, a 21st century believer, think about the Lord’s coming, I can’t help but rejoice not only that he has come to save the world but that he is coming again!  Oh how I long for him to return!  To be with my Jesus and see him face to face!  For him to set the world right once and for all.

Just like in my 39th week of pregnancy, the wait can seem overwhelming, but he IS coming! God with us.  O come Emmanuel!

 

O come, O come, Emmanuel
and ransom captive Israel
That mourns in lonely exile here
until the Son of God appear!

Rejoice, rejoice 
Emmanuel
Shall come to thee O Israel

O come Thou Dayspring come and cheer
Our spirits by Thine advent here
Disperse the gloomy clouds of night
And death’s dark shadows put to flight

O come Desire of nations bind
In one the hearts of all mankind
Bid Thou our sad divisions cease
And be Thyself our King of Peace

Rejoice rejoice
 Emmanuel has come
Rejoice rejoice 
Emmanuel has come
Rejoice rejoice 
Emmanuel has come

He has come
 He has come

He’s coming toward us now
He’s coming toward us
He’s coming toward us now
He always will

O Come, O Come, Emmanuel

Editor’s note: We send all our love and congratulations to Beth, who gave birth to Sophia Grace Hamstra at 5:39pm on November 25, 2011 (just two days past her due date).  She weighed in at 7 lbs, 11oz and measured 21 inches long. Mom and baby are doing great and Beth says she was worth the wait!

 

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The Importance of Gratitude

Posted on November 4, 2011 by Lanie| 4 Comments

By Beth Hamstra

I have a confession to make.  I don’t love taking showers.  Well, more accurately, I don’t love the process of getting ready after I take a shower.  Don’t get me wrong; I enjoy being clean.  It’s just that when I can get up and go (about a 15 minute process) or get up, take a shower and then go (at least an hour) I often choose the former.  Unless of course I’m working on three-day-old hair and it’s a Sunday…then I’m forced to get up early and put some effort into it.

 

Now that you know my usual modus operandi, you’ll understand why my discovery just a few weeks ago was such an epiphany.  I was a little under the weather which made me even LESS interested in getting up and taking a shower.  I preferred rather to lie around all day, sleep when I could, and just be all together lazy.  And then I decided to take a shower.  WOW!  Who knew that taking a warm shower could make you feel so much better?!?  All the sudden I could breathe again!  I felt like a million bucks!

A similar epiphany that I’ve had over the years is the importance of gratitude especially when it doesn’t feel natural.  When everything within me wants to complain or sulk about a situation, sometimes I muster enough energy to look at it from a different angle.  Just like taking a shower when I least felt like it was good for my health, being thankful in the midst of difficulty or trials or any situation is good for my soul.

I’ve been challenged as I’ve read over and meditated on the following scriptures about thankfulness.  There are so many situations every day that present us with a choice.   I’m so thankful for the grace of God that empowers us to choose gratitude over a bad attitude.  He has done a work in me.  Thinking about the very vastness of who he is and what he has done is all the motivation I need to begin to OVERFLOW with gratitude.  I encourage you to take on a posture of thankfulness.  Meditate on these scriptures today and be refreshed.  Give your bad attitude a warm shower of perspective and let thankfulness be the manner in which you live.

So then, just as you received Christ Jesus as Lord, continue to live your lives in him, rooted and built up in him, strengthened in the faith as you were taught, and overflowing with thankfulness. (Colossians 2:6-7) 

Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God. (Philippians 4:6)

All this is for your benefit, so that the grace that is reaching more and more people may cause thanksgiving to overflow to the glory of God. (2 Corinthians 4:15)

Let the peace of Christ rule in your hearts, since as members of one body you were called to peace. And be thankful. Let the message of Christ dwell among you richly as you teach and admonish one another with all wisdom through psalms, hymns, and songs from the Spirit, singing to God with gratitude in your hearts. (Colossians 3:15-16)

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The Wait

Posted on October 19, 2011 by Lanie| 6 Comments

By Beth Hamstra

Why is it so hard?  I know God is up to something.  I know and trust that his purposes will prevail (Prov 19:21).  But still, I wait.

“The wait” for me this time involves a big transition.  At the beginning of summer my husband and I felt like the Lord was speaking to us about selling our house and moving closer to church.  He had previously convicted us that our home had become an idol in our hearts and we were finally at a place of holding it with an open hand…but that is a story for a different post.

In an act of obedience we put some time and money into a few final improvements on the house and put it up for sale by owner, instead of going through an agent.  I was convinced it would sell in a week.  I know full well how soft the housing market is and that selling by owner gets even less traction, but our house is so darn cute!  Who wouldn’t want to snatch it up?

It didn’t sell that week.  It didn’t sell that month.  We’ve dropped the price three times, and yet here we are almost 90 days later still sitting on this house.

We’ve also starting looking for houses near the church.  We have fallen in love three times and each time our hopes were dashed because our house has not yet sold.  We had finally put our search on hold when we had some serious buyers come look at our house.  They were closing on their home in three weeks and needed to move quick.  We assured them we could cooperate with their timeline.  Our hopes began to soar!  We jumped online and started looking.  We found a BEAUTIFUL house that was PERFECT for us and had just had a $30,000 price reduction.  We called our realtor and made an appointment to see the place.  As we drove home from the viewing our hopes were even higher!  Could this actually be it?  All that waiting and then the Lord would provide such a fast turn around?  Exceeding all of our expectations and dreams?  Now all we needed was an offer from the couple who seemed so interested.  My husband boldly gave them a call.

To our chagrin they had found something else.  And now, the wait is on again.  I trust in God’s purposes.  I have experienced his provision.  I know his character.  He will answer, but not on my timeline.

Throughout this process I’ve been reminded of my single years.  I trusted God would provide the perfect mate for me, even when it appeared that there was no qualified guy on the horizon.  Many years later, he gave me a man beyond what I could have ever imagined!  The wait is hard, but it builds character in us.  It forces us to put our hope in the Lord and not in our circumstances.  It teaches us to depend on the Lord and grow in faith.  His way and timing is better.

And so, I will joyfully embrace the wait once again.

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Maintaining a soft heart

Posted on September 6, 2011 by Abby| 10 Comments

By Beth Hamstra

When I was a wee little girl, God really truly saved me.  I remember making it my goal in children’s church to sit quietly and absorb as much as I could.  Well, maybe I was also highly motivated by the “picture of George Washington” that my teachers posted in front reminding us that one little boy or girl would receive the “quiet seat prize” at the end of the service.  I probably didn’t excel in my social skills, but there were many weeks that I walked away from church one dollar richer—and having learned valuable lessons about the Bible and godly living.

One of those lessons has stuck with me to this day.  I remember my teacher using a clump of Play-Doh as an illustration of our hearts.  The Bible says in Ezekiel 36:26 that God promises to take our heart of stone and give us a heart of flesh.  What was once hard as a rock became soft and pliable when Jesus saved us.  She walked around the classroom and let some of us touch the Play-Doh to experience how moldable it was.

The next part of her illustration is what got me.  She explained that even though Jesus gave us a soft heart, it is possible to allow it to harden again.  She pulled out a candle and placed the Play-Doh near the flame.  I touched it again…not so soft this time.  It was slowly drying out.  The closer and longer it stayed by the flame the harder and less moldable the Play-Doh became.  As we stay responsive to the Holy Spirit our hearts stay soft, but every time we choose to disobey its like putting our hearts by the flame…they become harder and harder.  When we are first saved we are able to hear a still small voice and respond to his promptings.  Eventually, however, if we allow our hearts to become calloused by disobedience, we won’t even hear the loudest most obvious call for our attention.

I decided that day that I wanted to maintain a soft and pliable heart.  There have been many times that I have waked in the middle of the night and heard his voice calling me to prayer.  Sometimes it is something specific he has laid on my heart; sometimes I just see myself pacing and praying in another room of the house.  Each time I decide either to get out of bed or to roll over and hope he might prompt me again after my alarm goes off.  Each time, I become more sensitive to his voice or more calloused.

Sometimes he speaks to me in the middle of the day.  I’ll feel prompted to encourage someone on Facebook or to send someone a book or to choose discipline instead of sin.  Sometimes I’ll be mid-sentence in conversation with a friend and He reminds me not to gossip.   Each time I have an opportunity to stay soft or to grow hardened. I’m so thankful that his mercies are new every morning!

Today, over twenty years after that illustration in children’s church, I could tell you a slew of stories of both obedience and disobedience, but I’ve continued to make it my goal to obey when I hear God speak.

I am encouraged by Jesus’ words in John 10:4b-5:

“…his sheep follow him because they know his voice. But they will never follow a stranger; in fact, they will run away from him because they do not recognize a stranger’s voice.”

And so, I encourage you to cultivate a listening ear and maintain a soft heart.  When you hear his voice, instantly obey.  Don’t worry…you WILL recognize it.  Don’t delay in responding.

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Rest in God’s Presence

Posted on August 25, 2011 by Abby| 2 Comments

By Beth Hamstra

There are many different kinds of rest.  We have explored several of these this month during our Focus Fridays:

In addition to these helpful forms of rest that the Completely Devoted contributors have challenged us with, there are a few others:

  • Forced rest from sickness or fatigue caused by burn out
  • Laziness
  • Slothfulness

Obviously we want to try to avoid these ungodly habits.  As I was considering this post about rest the Holy Spirit reminded me of a form of rest that is also a pursuit.  Rest, whether it is from our hard work, trusting in God’s sovereign control, or focusing on God’s grace instead of our own human effort, should be active and not passive.  Let me explain.  In our rest we are meant to pursue God’s presence.

An old mentor of mine once gave this helpful example.  At the time, she was the director of missions at the organization we used to work for.  In the summer time we would take thousands of teenagers overseas and the days of training and debriefing were quite hectic from early morning until late at night.  Just imagine a campus crawling with young people and you are the one in charge of getting them fed, trained, and motivated, not to mention helping them stay healthy and hydrated, dealing with home-sickness and encouraging them to follow all the rules…whew! I get tired just remembering those days!

In one of our leadership sessions my mentor instructed us on how to find rest from the craziness.  She told us how she would steal away for moments throughout the day to rest in the presence of the Lord.  For her it meant taking 15 minutes between sessions to go to her room and lay on her bed – not to sleep, but to rest in the presence of the Lord.  She would shut out everything going on around her and all the demands on her time and she would THINK about the Lord.  She would pray silently welcoming his presence to surround her.  Sometimes she would just meditate on scripture.

I’m sure you’ve heard of the analogy that spending time in the presence of the Lord is like plugging into our power source.  We must connect with the Holy Spirit while we rest.  You could spend an entire day of “Sabbath” watching TV and taking naps and never feel the refreshment that comes from a few moments of restful fellowship with the Holy Spirit.

I encourage you to take some time today to REST.  Actively pursue his presence in your life.  Commune with the Holy Spirit; he is always with us.  Sometimes we just need to stop and acknowledge his presence.

 

Each month our Friday posts centre around a particular issue. This month we are focussing on Building Kingdom Friendships.

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Solitude: a difficult discipline

Posted on July 6, 2011 by Abby| 2 Comments

By Beth Hamstra

Have you ever wondered about how difficult it is to quiet our hearts and minds?  Even as I sat down to write this post something witty popped in my mind that I had to quickly type into Facebook as my status.  And then I had to keep checking back to see if anyone commented on how cute and funny I am.  And then I got a text message from one of the girls in my home group since I’m coordinating food for our cookout this week.  After I got all that figured out my husband called to let me know his softball game got cancelled due to weather and that he was on his way home.  So much for my quiet evening of solitude!

I was challenged by a point in a teaching I listened to recently by Darrin Patrick on Mistakes in Church Planting.  He discussed the need for a taking a time-out from the busyness and really truly resting and connecting with God.  The picture he used has really stuck with me:  Apparently in the world of botany there is a condition called dormancy in which certain seeds do not respond even in favorable environmental conditions.  The seed follows its own “internal clock” rather than germinating prematurely.

Developing a disciple of solitude is similar to seed dormancy.  When we shut off the noise and distraction to meet with our God, he develops in us a resiliency to outside pressures and cultural cues.  We no longer feel the need to play the hero for everyone and to volunteer for everything.  Just like Jesus we can “do only what [we see the] Father doing” (John 5:19).

A friend of mine and I recently got creative and started what we like to call a “kid swap.”  We both recognized that it is difficult with young children to get that coveted “alone time” so we decided to babysit for each other once a week.  This gives me three hours in my week (outside of nap time) when I am free to do whatever I want.  And it doesn’t cost me anything!  I usually go to Starbucks with my bible and journal or a good book that I’ve been itching to read.  The trick here is to not waste this time.  Ephesians 5:15-16 (ESV) says “Look carefully then how you walk, not as unwise but as wise, making the best use of the time, because the days are evil.”

I encourage you to build some moments of solitude into your week. Maybe you could try some of these ideas:

  • Turn off the radio while you’re driving and just connect with the Father
  • Take a walk and pray
  • Get up earlier or stay up late (even 15 minutes to start!)
  • Ask your husband to invite some guys over to watch the game (and the kids) and escape to your favorite coffee shop
  • If you usually give yourself an hour to clean the house, set a timer and race to complete your household duties in 30 minutes.  Then use the remaining 30 minutes to get into the word

I promise you this is a discipline worth mastering!  Let’s walk like the wise and make the most of time.  Shut out the noises that are clamoring for your attention and find a place of solitude.

{Please comment on this post with additional ideas on how you find time to visit that secret place!}

 

Every Wednesday we’ll be considering a practice related to our body, soul or spirit to help us completely devote ourselves to Jesus.

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