Spirit-Led Woman

Want to receive SpiritLed Woman by email? Sign up here
woman shopping

The SpiritLed Woman podcast is empowering women weekly to follow their purpose in Christ and boldly walk in faith. Listen at charismapodcastnetwork.com.

On that sunny afternoon, as my husband and I took a fitness walk along a row of car dealerships, I never dreamed we would be cruising home in a brand-new red Saab convertible. The car just seemed to fit the day. After all, this was Southern California, where sunshine and fancy cars abound.

It is also a place where many judge you by what you drive. Of course, we already owned a prestigious foreign convertible, but it had become a real headache with its never-ending expensive repair bills.

As we negotiated with the Saab salesman to purchase the car, we abandoned the idea of a trade-in because of the tremendous loss we would have had to take on the market value. Besides, we had driven my husband's car that day, and the problem car was at home. We would just have to sell it on our own.

After several hours of waiting while the salesman repeatedly checked "with the manager in the back," we drove off into the sunset basking in the exhilaration of having purchased a new toy.

It took only a few days for us to face the sobering reality that we now had three cars to insure and maintain. Plus, the monthly note was so huge that it rivaled the note on a rental property investment!

It took us much longer to sell the headache car than we had anticipated. We finally admitted that we had made an emotional purchase. We had bought the Saab out of frustration with the old car plus a desire to maintain a certain image.

I take no pleasure in sharing this story. In fact, I experienced a great deal of guilt over the transaction because I am a certified public accountant and am assumed by most people to be frugal with my funds.

My husband is also an astute financial manager. Even though we have never made a purchase we could not afford, emotional transactions simply do not reflect good stewardship of the money God entrusts to us.

After a year, we sold the car and invested in a single-family home, which ultimately yielded a handsome return. God graciously redeemed our mistake.

Unfortunately, the Saab was not the last of our emotional spending.

Emotional Triggers

The problem with an emotional purchase is that it doesn't eliminate the emotion that motivated it, nor will it bring any lasting satisfaction. Isaiah the prophet asked, "Why spend money on what is not bread, and your labor on what does not satisfy?" (Is. 55:2, NIV).

Spending to pacify an emotion is like being given an anesthesia but never getting the required surgery; you get temporary relief, but the problem remains.

I did some honest soul-searching about the car acquisition and concluded that many of my purchases emanated from my basic personality temperament. As a hard-driving, goal-oriented person, I found that my acquisitions were a way of saying, "I've made it."

I wanted to be recognized as a success without having to say a word. After all, I abhorred braggarts, egotists and others who openly exhibited pride because of their possessions.

Having counseled singles, seniors and soulmates—and having observed their spending habits—I have concluded that everyone must come to grips with their emotional view of finances before they attempt to master the mechanics of money management. I can lecture until I'm blue in the face about the importance of having an emergency cash reserve or contributing the maximum amount to the company's matching retirement plan or getting out of debt. But despite my admonitions, a single overriding emotion can cause anybody to abandon sound financial judgment.

Here are seven emotions that may cause you to spend in an unwise manner and some ways to deal with them:

1. Stress. "You deserve a break today," declares the popular McDonald's fast-food slogan. If you are constantly confronted with stressful situations, you do need to find relief—but not through spending.

My husband and I purchased a 32-foot cruiser boat with the hope of finding relief from our stressful schedules. The boat show was held at the marina, so we experienced on the spot what it would be like to chill out on our own boat. Just the thought of leisurely weekends cruising around Southern California's harbors was enough to seal the deal.

It wasn't long before the boat itself became a source of stress. Whoever said, "The two happiest days in a boat owner's life are the day he purchases it and the day he sells it" was right!

Draw closer to God. Experience the presence of the Holy Spirit every month as you read Charisma magazine. Sign up now to get Charisma for as low as $1 per issue.

Get to know the Holy Spirit and how to interact with Him on a daily basis. Learn to enter God's presence and hear His voice clearly for yourself! Go deeper in your faith with Life in the Spirit and change your life and destiny. Are you ready to start your journey?

Your Turn

Comment Guidelines
View/Add Comments
  • Hillary Clinton

    What if Hillary Clinton Wins the White House?

    Polls have Mrs. Clinton leading by 11 points. The church must be prepared.

  • Holy Spirit prophetic

    7 Ways to Cultivate Sensitivity to the Holy Spirit

    Too many of God's people are led by fear, doubt, man-pleasing, presumption, assumption, idols ...

  • What if You Could Save $500 This Week?

    What if You Could Save $500 This Week?

    Start saving for emergencies today with the $500 Savings Challenge by brightpeak financial. It's chock-full of inspiration, great savings tips and the motivation to make a dent in your savings—for real! Go to 500savingschallenge.com to sign up!

  • Guarding the gates of your heart will keep the demonic and evil out of your life.

    Keep the Demonic Out of Your Life With This Oft-Overlooked Spiritual Warfare Strategy

    The enemy knows his limitations. Limit him.

  • Highway exit signs

    Prophetic Word: Watch for the Exit Signs to Light Up This Season

    Don't be afraid to get your hands dirty in the harvest fields. The "barnyard anointing" ...

  • There Are Times in History...

    There Are Times in History...

    While who becomes president is significant, the truth is, the change America desperately needs does not begin in Washington, D.C.

  • Finger pointing

    The Accuser vs. Donald Trump—and Us All

    This isn't a political persuasion piece, but a current-event case study in the strategies of ...

  • Passivity can be a real relationship killer.

    One Toxic Temptation Many Men Face—And How to Overcome It

    And no, it's not pornography or adultery.

  • Daily scripture reading, meditation and prayer can seem elusive with your busy schedule.

    10 Small Steps to Deeper Intimacy With Holy Spirit in Your Quiet Times

    If deep quiet times seem just out of your reach with your busy schedule, try one of these ...

  • Jezebel puppets

    10 Ways to Spot Jezebel's Spiritually Slick Undercover Con Artists

    It's time to stop tolerating Jezebel in all its many manifestations.

  • Continue Your Journey with the Holy Spirit

    Continue Your Journey with the Holy Spirit

    Follow God on the most fulfilling journey of your life with Encounter the Holy Spirit! Break away from past hurts and press into the One who wants a personal encounter with you.

  • Dream the Unimaginable In His Presence

    Dream the Unimaginable In His Presence

    Reach your full potential and be led by His Spirit. In His Presence takes you to a deeper understanding of who God is and how he communicates with us.

  • Set Your Spirit on Fire

    Set Your Spirit on Fire

    Receive the power and gifts that come through the Holy Spirit Baptism. Don’t go empty-handed; accept all that He has for you! His power is available to those who ask.

  • Put on the Full Armor of God

    Put on the Full Armor of God

    Break every stronghold with the power of the Holy Spirit. Use the power of your tongue to declare and decree the Word of God. Witness heaven move on your behalf.

Use Desktop Layout
Charisma Magazine — Empowering believers for life in the Spirit