Hi Renaylor!!
I feel like a broken record sometimes but your situation sounds similar to mine when I was married. My husband totally disapproved of me tithing or giving. He thought I was foolish. We are all learning and growing and still very much human but very much God's children too. I thank Netta1 for starting this discussion b/c we can all learn from each other here. I wanted to address some of your comments in hopes that you can learn something from my own personal experiences. Please do not ever think that I am arrogant or nosey. If we are looking at a pig, I'm gonna call it a pig. I am not going to call it a cow for purpose of being PC. I just don't have that in me. People get hurt when you aren't honest. There is a difference between hurt feelings(we can learn to get over those) and damaged souls (only God can mend). Ok, the word tells us in many places about borrowing being not a good thing for us. We live in a world where no one has patience and as a result credit looks really good- at the time. Our grandparents had less to work with but they bought homes, cars, sent kids to school, ate, etc all w/o having large amounts of debt. They knew how to wait and to save money.There is power and freedom in delayed gratification. They worked so hard to allow us to have the lifestyle we have. Borrowing money from a 401k is almost never a good idea unless someone's life is on the line. There are substantial penalties from the governmment. Plus if your husband loses or tries to leave his job, that money becomes due immediately! When we borrow money from relatives it changes the dynamics of the relationship. Turkey at Thanksgiving just doesn't taste the same you know? It can put all the wrong ppl in your business. Which can then cause stress on the marriage. It is just not good. Be that as it may, what's done is done. What is the game plan and timeline for paying these debts off (rhetorical)? I see you are trying to do a budget but it is not fair for one person to totally relinquish the budgeting to their spouse. It leaves room for lots of finger pointing. Plus a marriage is a partnership. One of the top 3 reasons for divorce in America are money problems. If one person is better at something than the other that's fine but both parties should have equal say and both parties need to be fully aware of where the money is going and what the plan is for accomplishing shared goals. In other words, you have a marriage issue that is masquerading as a money issue. Communication is vital in a successful marriage.
Asking for a payraise can be a good idea. You know your circumstances. If you do decide to ask for a raise, have your stuff together. You need to be able to clearly demonstrate your monetary value and all contributions past as well as how you can make them more money in the future. Powerpoint, flow charts, whatever it takes. Yes things are tough right now for some but, there is no recession in the kingdom. You gave God the praise for him letting you buy your home in your post. Can't he do a little something, something in this area too? Don't limit God. He can get you a raise or a new job or as many others have stated he finds ways to get you what you need. You may get a gas card w/ a large balance. You may get gift cards for the grocery store or something. Maybe it will be clothes for the kids. Think and say something good is going to happen to me! Where we tend to mess up is if he provides for us in that way we don't take the money we were going to use for 'x' and pay it towards debts. Instead we spend it. God gives all who ask for it wisdom. Pray and ask him for witty ideas and concepts. Maybe you can save your company $$ and be rewarded for it. Maybe you can start an online business. Have a yard sale. Can you cook, sew, speak, write well? These things can generate extra income too. There is nothing too hard for God. I've said all of this to say God is the one who can enlighten and change your husband's mind. There are two great 'prayers for your husbands' in this Christian forum. Search for them and begin to cover your DH. Your job is to look to the one who can change this and pray for your husband. Then comes the hard part- waiting. Ask God for grace to wait. Celebrate the little victories along the way. Write things down in a notebook. They will give you hope along the way. Here is a book I highly recommend you read. It is called the Total Money Make-over by Dave Ramsey. If you don't want to buy it check it out at the library. Here is a link to his website www.daveramsey.com. Start listening to his free show online. Also, for ideas on how to generate income check out www.48days.com. It is Dan Miller's website. He has a free podcast too. Both of these men are Christian counselors who have changed my life. Also check out Crown Financial Ministries at www.crown.org. When we take that first step of faith to begin the turn around process God supernaturally intervenes.
Prov 22:7-
7 The rich rule over the poor,
and the borrower is servant to the lender.
James 2:20-
20You foolish man, do you want evidence that faith without deeds is useless?
Psa 121:1-2
1 I lift up my eyes to the hills—
where does my help come from?
2 My help comes from the LORD,
the Maker of heaven and earth.
Psa 23:1-
1 The LORD is my shepherd, I shall not be in want.
Thank you for your response. The messed up thing about the whole situation is that the 401k was paid off by the sale of my apartment. Because I could not sell it by the close of 2008 and return the money to help him pay it off he got slapped with the taxes. The market was so bad we were lucky to sell at all. We were carrying 2 mortgages and a maintenance for a while but the Lord is good and we made it. As for borrowing money for relatives-I am against it but my husband always goes to this person and feels comfortable with it and pays them back right away. I can't tell him what to do with his relatives but I try to stay clear myself of borrowing from family. The wonderful thing is that in preparation for buying a house we are debt free and our car is paid off. We also carry one credit card balance and this my card for small purchases which I pay off in time each month. I have gotten rid of a lot of expenses, shopped for better cell phone plans and only shop when there are sales and stockpile items, coupon clip, and not spend what I don't have. I have cable but it is merged with internet/telephone and it keeps us from the movies. Our big problem was eating out and now it is done to once a month. I am familiar with Dave Ramsey and I watch his program all the time, I also am familar with Crown Ministries. In regards to my spouse assisting me with the finances I don't ask him too. When we met his finances were a shambles. Knowing this and watching his pay history I kept him out of it. I keep a working tally of all the bills and have money managment software to keep track. He has gotten better over the years but he is used to me doing it now so it has become my responsibility. However I do let him see the worksheet with the bills and expenses, but he just throws surprises on me and then expects me to fix it-which by the time he tells me I can't do. I have told him before if you tell me early I can help but if you wait to the last minute it is a no-go.
I am frustrated and I am going to pray hard for my spouse for him to come to an understanding and pray for a way to resolve this which only the Lord can give. I don't want to rob God of anything he has given me my life back when 2 years ago I had hit rock bottom. He renewed my spirit, moved my family and I to a better life, found us a church home with a awesome pastor and congregation.He deserves all the praise and glory