Okay, so if you haven't already, please go read
THIS. It's the "Sowing Bountifully" blog that I wrote a few days ago that talks all about how we decided to give some money even though we didn't want to give money because we are tight wads. Yes we are. Tightwads, conservative, abstemious in terms of giving tightwads. The truth can sometimes be an ugly thing.
In the blog I talk about how we have had it on our hearts to give more generously and how I made it my new year's resolution to do so. So, I felt very strongly that we were supposed to give a certain amount of money to two different places but there was just one problem: we didn't have the money to give. As in, zero...zilch...nada! Because we ended up deciding to put all of Howie's bonu (as well as our tax refund) on credit card debt. And I have no doubt that was a wise decision. But I couldn't shake this persistent nagging in my brain that I needed to give this money so I did something completely radical...crazy...slightly financially irresponsible. I took a partial withdrawal from my IRA account. And yes, I took a hit on fees and yes I believe my financial advisor is in the process of staging an intervention as we speak. But I did it.
Because like I said before, I think that I'm supposed to push my faith to the limits. I'm supposed to take a deep breath, close my eyes and grimace at the prospect of letting go of any semblance of control. My friend Amy and I were discussing this at length the other day and she pointed out how interesting it is that many of us would pray and have faith that God could cure our cancer or eliminate our stress or suffering. And to a great degree, we believe it. But when it comes to money...well, that's a different story. Because I personally don't think that I will be receiving a certified letter with a check directly from God. Because he can cure cancer but he can't fill my bank account. *rolls eyes at self*
Now, I was not forthcoming on the amount of money that we had decided to give, only because in the previous blog I thought it unnecessary to disclose. But now, I have to tell you because it will bring home this blog to the point that will shake you to your core. It's that unfathomable of a story. We set aside $600. Now, that's not a HUGE amount of money but it's definitely enough to make my eyes (and ass) twitch. Again, not what I would exactly label as a "comfortable" amount for me to give. Add that to the fact that in order to give that amount I had to take a tax penalty and my heart starts to palpitate as beads of sweat roll down my face. Now, we haven't given the money away yet because we haven't received the wire transfer as of right now. In fact, because of the delay, we actually went into the negative with fees! And yes, I do believe that this is crazy.
But then something amazing happened. After we ear-marked the money and made the decision, we got a notice in the mail from the IRS. The IRS! We had over-paid in our 2008 taxes and they are sending us a check for $247.00. The next day we got a call from our insurance company. That prescription we had just filled is apparently partially covered so they reimbursed us $100.00. And then, we got notice from the IRA people, that the account we closed actually had $364 more than what they had anticipated.
Do the math: $247 + $100 + $364 = $711. That's $111 dollars over what we had earmarked. Internet...I got three checks in the mail...stamped, sealed and signed from God himself. And I think it show's his incredible sense of humor that the money came from three of the most infamously stingy groups ever...the tax collectors, the insurance companies and the financial institutions. Now THAT is funny!
This is no coincidence. This is a confirmation, an affirmation that I did the right thing. And I don't think that it was meant to give me money that I would have given away, I think it was meant to cover all of my NSF fees for being foolish enough to trust a financial company! Either way, I was still covered. I will still be just fine financially speaking.
I can't say it's easy. But I can say it's amazing. I challenge you right now to figure out how much money would make you uncomfortable to give. How much would make your chest compress and your blood pressure rise? How much would you worry about? Then take that money, double it and write a check. Don't think too much about it because you will talk yourselves out of it. In the infamous words of Nike, "Just Do It". Give it to whomever, whatever, wherever you choose. It could be anything from your local food bank to a children's hospital to the
The Red Cross to
World Vision. Now, you don't have to take money out of your IRA. Because people who do that are just plum out of their minds. But I'm just saying'...take a chance and see what happens. Giving once to the point that makes you feel uncomfortable won't ruin your life. It might be inconvenient, it might feel crazy, it might take you a month to recover but you WILL survive. Do it once and see what happens. See how it comes back to you. See how great you feel.