This week I had a moment of crisis.  I had just ordered my drink at a coffee shop, when I pulled out my wallet and my debit card was missing.  I looked one pocket over (where my cash would be) and… there was none.  So there I was, caught in the embarrassment of begging the cashier, trying to convince her that I am good for it.  Luckily, she agreed to let me pay the next time I returned.  But I can tell you, there is nothing like the feeling of being unable to pay a bill, no matter how small.  It is a debilitating and helpless feeling that weighs heavily over time.

We don’t have to live beyond our income.  You’ve probably heard the commercial that asks, “what’s in your wallet?”  Many of us would probably respond: “nothing.”  Let’s face it – after we pay rent, our credit card bills, make our car payments, there is simply nothing left.

Changing our circumstances requires a change of dependence and a change in behavior.  Who do we depend on?  What do we spend money on?  This weekend we will look at practical wisdom in the Proverbs to see what it says about our money.