finances – One Rabbit Riot

Since we settled in here, I’ve had a rough time. I’m not sleeping well consistently. It’s been a challenge to let down after a season of being on guard, on point, agile, and ready to work. I’ve felt behind on my own timelines after my workroom was boxed up and put into storage for a few weeks.

It was just a few weeks, but it felt longer, and I know why. I’ve been convicted of this as I’ve been reading Crazy Love by Francis Chan. My timeline and my plan were interrupted and that frustrated me. I am struggling with both control and pride. Woah, goosebumps. My grandma would be so pleased that I am talking about this.

Pride and Control

In the scary moments, God took over and directed my life and my steps from April 27 to June 7. In the meantime, I had to fully surrender my time and my trust to Him. I did and everything did turn out fine, better than expected. It was a big moment of growth for me, as a member of a little club called ‘waiting for the other shoe to drop’ instead of trusting in faith. This was a big step.

But as human nature and sin go, as soon as things got easier I began to slack off. I have been a huge slacker in my quiet time with the Lord, in both prayer and consistently reading His word and dwelling on its meaning. We are called as believers to meditate on His word, instead I’ve been filling my head with other things. My focus shifted from God’s plan back to my desires.

I’ve felt this intense pressure to not let myself rest. To work, work harder, and don’t stop. I’ve been obsessing about how to make money with skills to provide again. How to feel validation and success in this big life step that has made me feel out of control. I’ve been craving the ability to make money, build our savings back up, quickly pay back the mortgage, and “feel safe” after such a big financial step.

How am I “unsafe” or in danger now though? This sentiment has been marinating in my brain for too long. I know why. I have not been properly nourishing my soul, nor have I been renewing my mind.

Wake Up Call

God provided everything and more when I was in danger of my life falling apart. This happened because I humbled myself and did it His way. I let Him lead. I’ve been convicted by the truth that Francis Chan points to in his chapter, Profile of the Obsessed. I woke me up to what I’m working towards and what I’m obsessed with and neither of those aligns with where my life was oriented towards through giving up control and letting God lead. I can’t just wrangle the control back because I’m scared. I have no idea where I’m headed, but God does so it is a lot safer to let Him lead.

I’ve been convicted by Chan’s words of truth that my actions since the house purchase and move-in have not been in my best interest, because I’ve given into my need for control. Sadly this demonstrates my lack of trust and faith, like a” micromanaging boss. I’ve told myself that I “know” better. This is too much to take on with the resources God has provided. The math is not mathing. I need to “fix” this on my own.

Oof, I sound like a rude, self-centered jerk.

The worst part? I am treating my Creator like this. I am ashamed.

Acceptance and Second Chances

Every time I think I’ve matured past my pride and need to control my life, this behavior rears its ugly head. But thankfully this past week, I’ve had to slow down and log off. My allergies went from 0-60 as ragweed pollen bloomed, my lack of sleep caught up to me and I began to feel worn out. Our internet has gone out twice and in those times I got my head out of Instagram, out of my to-do list, and away from blog posts and knitting deadlines, to read Crazy Love. Crazy Love is a book I started reading in the Spring, that I completely abandoned this summer because I was busy with other things. But without videos or music or scrolling to distract me, I found the quiet moment to get back to what was important. My relationship with my Saviour and getting nourished through God’s truth, this time by the encouragement and theology of Crazy Love.

In every page I’ve read in the past week, I’ve felt humbled and challenged to consider where my focus lies and where it should be. It has shifted to myself and my own wants, instead of God and his Kingdom. Safety and success I’ve put above what brings Him glory for my own. How can I ever expect to succeed without Him? Especially when everything good in my life comes from Him and at the end of the day is His.

The worst part is that my generous hand, who was fulfilled and rejoiced in giving, has been too scared about money to give with the same abandon and joy that I used to do. Because I’ve been worrying about money, seeing it with a scarcity mindset instead of abundance and gratitude for what I have. I am not talking about manifesting here, I’m talking about true gratitude and recognition for the provision of God. I’ve been doing this and not trusting in God to provide for my needs.

It happens so quick. I feel like Peter after the rooster crowed the third time. Or like the Israelites asking to go back to Egypt after God parted the Red Sea and delivered them from their captors because freedom was unfamiliar so they were afraid and would rather go back to the bondage they knew.

There’s a line in the song ‘Looking for a Place to Happen’ by the Tragically Hip that says, “Where they’d stamp on burning bags of sh*t.” Yeah, I feel like my efforts this summer, pushing instead of trusting, worrying instead of praying have been as useful as stomping on burning bags of poop.

Thankfully God is a God of agape love and second chances for those who humble themselves, repent, and follow Him. So that’s what I need to be doing this month. Resetting back to what sustains me, that is God, not my own effort. It’s humbling and freeing.

In the United States, April 15th is our tax deadline. This is a date for me that has a lot of uncertainty. For most of my adult working life I have been a contractor which means your taxes are not taken out by your employer but instead you are responsible for setting aside the money in your savings that is paid out in a lump sum at the tax deadline. Now even though my job has changed, my husband and I are still navigating this setup and it has given us some uncertainty about how things are going to work moving forward in life, like how one saves for a down payment for a house when we aren’t sure how much we will be paying in taxes at the end of year, because our tax rates and tax laws seem to be shifting. It did this year for sure!

We were unaware that the laws had changed for all contractors, not just content creators, etc that you have to pay quarterly. I’m not sure how we were supposed to know to be honest because no information was shared although they advertise the tax deadline and tax services heavily from December to the deadline the next year. It’s been a stinging mistake because we learned there was a hefty penalty and a brand new tax rate that we were placed into, that we will not soon forget.

I think as humans, those big structures looming over us, like the government, cause a lot of anxiety in us because we want to believe that the social contract of Rousseau is what we are getting, but sometimes in those confusing moments like new laws and penalties without proper communication about it, it feels worrying. It took a lot of maturity and prayer this weekend to just accept that my frustration at myself and the lack of transparency was out of my control and that was okay. Like letting sand fall from my hands. As we paid our taxes for 2023 and then also unexpectedly had to pay for 2024’s first quarter, I had to accept that the money that felt like security was no longer mine, it was Caesar’s, and that’s the only answer.

And they sent to him some of the Pharisees and some of the Herodians, to trap him in his talk. And they came and said to him, “Teacher, we know that you are true and do not care about anyone’s opinion. For you are not swayed by appearances, but truly teach the way of God. Is it lawful to pay taxes to Caesar, or not? Should we pay them, or should we not?” But, knowing their hypocrisy, he said to them, “Why put me to the test? Bring me a denarius and let me look at it.” And they brought one. And he said to them, “Whose likeness and inscription is this?” They said to him, “Caesar’s.” Jesus said to them, “Render to Caesar the things that are Caesar’s, and to God the things that are God’s.” And they marveled at him.
Mark 12:13-17 ESV

The timing sucked and the surprise of paying both 2023 and the first quarter of 2024 in this economy felt like a bit of a free fall. I mean in life, I don’t love surprises. The good ones for sure are fun but those bad surprises can hang over us like a cloud and that’s what I didn’t want to have hanging over me. My husband’s birthday is coming up, and there are charities we support that I don’t want to let down. I’d like to continue dreaming about future plans, have extra money to be generous if someone needs help, or just not be worried about finances. To have that feeling of serenity in the changing sea of life.

Two promises repeated in my mind as we made our payments that helped me regain my peace, which honestly made no sense aside from God and his peace that surpasses all understanding.

“And we know that God causes everything to work together for the good of those who love God and are called according to his purpose for them.”
Romans 8:28 NLT

Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they? Can any one of you by worrying add a single hour to your life?
“And why do you worry about clothes? See how the flowers of the field grow. They do not labor or spin. Yet I tell you that not even Solomon in all his splendor was dressed like one of these. If that is how God clothes the grass of the field, which is here today and tomorrow is thrown into the fire, will he not much more clothe you—you of little faith?
Matthew 6:26-30 NIV

I started thinking about the jokes people made on the day of the eclipse about going back to 2017, and where I was in 2017 with less than 100 USD to my name and no stable living situation, looking for a job as a new college grad and newlywed. It felt like my life was spiraling but then a year later I was stable with a job and a new life in Savannah. I think back to April 2020, newly laid off and with my husband’s employer looking at a complete NHL shutdown, none of it made sense, we just got back to normal and a savings, were we going back to square one three years later? And now in April 2024, I felt those same fears bubbling up.

Were we going back to that scary place? Was the rug pulled out from under me? How was God going to work this all for good? It’s funny to me now that this is the perspective I chose to focus on instead of thinking about how quickly God turns things around. In 2017, I went from rock bottom to a stable job and was ready for a big move in less than a year. In 2020, less than a year later, we were in a better situation than we left. If a big change happens, I need to remember to leave room for God to work instead of shutting down in fear and worry.

I find it to be no coincidence that I read a commentary days before that discussed the promise God makes in Romans 8:28. He works everything together for good, but He doesn’t promise it will make sense at the time, that’s where faith and leaning on His promises come in. We either choose to trust or we don’t, just like how we face trust issues with human relationships, we either trust people or we don’t. It’s a tough pill to swallow, but it’s honest.

As the dust settled and we processed the tax situation, I realized that although the way things happened didn’t make sense as it was happening, it was going to transform our future for the good. I will never again have to dread that lump sum at the end of the year. With quarterly taxes, it’s manageable chunks, which will help us figure out a down payment for a house and what I experienced this time will never happen again. This was it and now I’m free. I also remembered that after these big financial “losses” happen God does something amazing with the smaller amount in ways that only He can. It’s happened over and over in these years since 2017.

Giving to Caesar what is Caesar’s and God what is God’s is also an important part of this process. Giving back what God has given us to serve His kingdom according to what Jesus says in Matthew 25 and remembering His promise in Matthew 6 is how we plan for the future, on His promises. Being greedy and being unwilling to share my blessings with others is a one-way street to unhappiness. So how will this all play out? I don’t know yet but I do know it helped me find peace in this moment of uncertainty and being released from the dread of tax season is the answer to my prayers even though the process wasn’t how I would have chosen it to be, it will be okay.

For I was hungry and you gave me something to eat, I was thirsty and you gave me something to drink, I was a stranger and you invited me in, I needed clothes and you clothed me, I was sick and you looked after me, I was in prison and you came to visit me.’
“Then the righteous will answer him, ‘Lord, when did we see you hungry and feed you, or thirsty and give you something to drink? When did we see you a stranger and invite you in, or needing clothes and clothe you? When did we see you sick or in prison and go to visit you?’
“The King will reply, ‘Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.’
Matthew 25:35-40 NIV

I hope that by sharing this story, of my worries and my journey to peace that I will encourage you, reader in whatever you are facing right now. Life is such a rollercoaster and it is tricky in the tough days to remember it will get better. There will be brighter days. Financial stress is a tough adversary and I am still working through how to keep calm when it feels overwhelming.

Just remember you got this! 💪 Or in K-Pop speak, fighting!

Tag: finances

Finding Peace in Tax Season