We have three kids enrolled in Christian schools, and it’s very expensive. We truly believe they’re getting a great, faith-based education, but they’re only in elementary school and already we’ve had to dig into our savings.
Private schools can have academic advantages, and in some cases a good Christian school can have spiritual advantages. But if you can’t cash flow it, you can’t do it. It’s just that simple.
My kids didn’t go to private Christian schools, and they’re all strong Christians. They went to public schools and learned to interact with people of no faith, different faiths and how to display their faith adequately in the marketplace.
Lots of times people send their kids off to a Christian school, only to find out they still have to teach them about life — the good and the bad. And the fact is, you’re just kidding yourself if you think sending them to a Christian school means they’ll be in a perfect world where no one ever acts mean or nasty.
I hope you can find a way to continue, since this is an important decision to you. But from what you’ve said it just doesn’t make good financial sense.
Is there some way to put a block on a credit report prior to sending a kid to college, so that the credit card hustlers can’t get to them?
No, there’s not. Unfortunately, in today’s culture that’s part of becoming an adult. When you hand them car keys there’s no way to put a block on how they drive. And when they turn 21, there’s no way to put a block on what they ingest.
About the only thing you can do, Trevor, is teach your kids to the best of your ability and be a good parent — a good example. Teach them why debt is dumb, and show them how it eats away at their ability to save money and build wealth.
And for goodness sake, don’t use credit cards yourself. Kids can smell a hypocrite a mile away!
But even after all that it’s still not illegal for people to be dumb with their money. If it were, there would be a lot more jails!
Our church is considering letting members use credit cards to tithe or give to other programs. I’m trying to prepare for a finance team meeting, and I want to be prepared. What advice would you offer?
My advice would be to say no to this idea. Do you really believe people should tithe or give to the church with a credit card when we live in a culture where the number one cause of divorce is money problems?
I know people will argue that it’s more convenient. Well, part of the exercise of giving is to build the character of the giver. I doubt anyone’s going to break a sweat writing a check, but if they do it probably won’t cause them any spiritual harm.
I would also challenge your finance team to find one place in the Bible where something positive is said about debt. God calls debt a curse and says the borrower is slave to the lender. When God talks that way about something, it makes me think it’s probably not a good thing.
This isn’t a salvation issue. But why in the world would leaders of a church want to steer the congregation toward something negative? Hopefully, you can put an end to this bad idea before it’s too late!
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