{"id":302365,"date":"2011-09-21T11:00:00","date_gmt":"2011-09-21T15:00:00","guid":{"rendered":"https:\/\/wp-stage.familylife.com\/www\/podcast\/%series%\/the-joys-of-living-on-less\/"},"modified":"2011-09-21T11:00:00","modified_gmt":"2011-09-21T15:00:00","slug":"the-joys-of-living-on-less","status":"publish","type":"podcast","link":"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/the-joys-of-living-on-less\/","title":{"rendered":"The Joys of Living on Less"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"<p>No one wants their children to do without.<\/p>\n","protected":false},"author":91,"featured_media":294104,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","inline_featured_image":false,"_uag_custom_page_level_css":"","episode_type":"","audio_file":"https:\/\/web.familylifetoday.com\/fl2011-09-21.mp3","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"00:","filesize":"24.82M","filesize_raw":"26023430","date_recorded":"","explicit":"","block":""},"categories":[2851],"tags":[4925,4525,4853],"podcast_series":[7825],"cwp_profile":[3125],"series":[2101],"class_list":["post-302365","podcast","type-podcast","status-publish","has-post-thumbnail","hentry","category-finances","tag-budgets","tag-finances","tag-money","podcast_series-living-with-less-so-your-family-has-more","cwp_profile-jill-savage","series-familylife-today"],"acf":[],"episode_featured_image":"https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2024\/09\/FLT-Podcast-Cover-2-508x508-3.jpg?w=508","episode_player_image":"https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2023\/02\/image-scaled.jpg","download_link":"https:\/\/wp-stage.familylife.com\/www\/podcast-download\/302365\/the-joys-of-living-on-less","player_link":"https:\/\/wp-stage.familylife.com\/www\/podcast-player\/302365\/the-joys-of-living-on-less","audio_player":null,"episode_data":{"playerMode":"light","subscribeUrls":{"apple_podcasts":{"key":"apple_podcasts","url":"https:\/\/podcasts.apple.com\/us\/podcast\/familylife-today\/id212174303?mt=2&app=podcast","label":"Apple Podcasts","class":"apple_podcasts","icon":"apple-podcasts.png"},"google_podcasts":{"key":"google_podcasts","url":"","label":"Google Podcasts","class":"google_podcasts","icon":"google-podcasts.png"},"spotify":{"key":"spotify","url":"https:\/\/open.spotify.com\/show\/0j5UaKdQOHQCuo1bt0ebEm","label":"Spotify","class":"spotify","icon":"spotify.png"},"youtube":{"key":"youtube","url":"","label":"YouTube","class":"youtube","icon":"youtube.png"}},"rssFeedUrl":"https:\/\/wp-stage.familylife.com\/www\/feed\/podcast\/familylife-today","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"e3Zl8eDxVm\"><a href=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/the-joys-of-living-on-less\/\">The Joys of Living on Less<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/the-joys-of-living-on-less\/embed\/#?secret=e3Zl8eDxVm\" width=\"500\" height=\"350\" title=\"&#8220;The Joys of Living on Less&#8221; &#8212; FamilyLife\u00ae - A Cru Ministry\" data-secret=\"e3Zl8eDxVm\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script>\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/wp-stage.familylife.com\/www\/wp-includes\/js\/wp-embed.min.js\n<\/script>\n"},"spectra_custom_meta":{"_wp_page_template":["default"],"transcript_url":["https:\/\/transcript.familylifetoday.com\/fl2011-09-21.pdf"],"audio_file":["https:\/\/web.familylifetoday.com\/fl2011-09-21.mp3"],"transcript_content":["<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 When Jill Savage and her husband were facing some financial challenges, they realized it was time to make some hard choices, like what to do about the pickup truck and the payments.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 I watched my husband struggle with that decision, because he loved his truck.\u00a0 He\u2019s a handyman kind of guy, he likes to build things, and I knew that that was really going to be a sacrifice on his part.\u00a0 And yet, in order to live out the vision that we had, it was a decision that we needed to make so that we could live with less financially.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo we did.\u00a0 We had to sell the truck.\u00a0 It took him a couple months, and eventually we were able to pay it off and then to actually buy another car with cash, and now we have no car payments.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 This is <em>FamilyLife Today\u00ae<\/em> for Wednesday, September 21<sup>st<\/sup>.\u00a0 Our host is the President of FamilyLife\u00ae, Dennis Rainey, and I\u2019m Bob Lepine.\u00a0\u00a0 We\u2019ll talk today about families making tough choices so they can live within their means.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd welcome to <em>FamilyLife Today<\/em>.\u00a0 Thanks for joining us.\u00a0 I have to tell you two car stories to start things off here, okay?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong><strong>\u00a0 <\/strong>Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Car story number one \u2013 I\u2019ll never forget my kids telling me this.\u00a0 A classmate who had turned 16, and for his 16<sup>th<\/sup> birthday when he arrived home there was a used car in the driveway.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 How used?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Well, you know it was maybe a year or two used.\u00a0 It wasn\u2019t all beat up; it was a nice used car.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Yeah, okay.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Basic model Chevy something.\u00a0 I don\u2019t remember what it was.\u00a0 But, arrived home, 16<sup>th<\/sup> birthday, used car, \u201cHappy Birthday\u201d was chalked onto the window, and Dad said, \u201cCome on.\u00a0 Let\u2019s go for a ride in the car.\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo the teenager got out, excited, the car, they\u2019re driving it around, and they drove for about five minutes and when they got back, they couldn\u2019t get in the driveway because the child\u2019s real birthday present was there. It was a brand new Infiniti, and Dad was laughing about the fact that they\u2019d played a trick on the child with this late model used car.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThe poor child was thinking that\u2019s what they were getting for their birthday, when Dad really had the souped-up Infiniti.\u00a0 Now this got shared at the dinner table one night by our children, prior to their 16<sup>th<\/sup> birthday.\u00a0 Right?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Oh, yeah.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 You know what the message was, don\u2019t you?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Lobby \u2013 lobbying.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Which brings me to car story number two.\u00a0 When our oldest was driving, we decided that we had enough money that we could buy an old used \u2013 and I mean an old and used \u2013 Camry.\u00a0 I think I paid about $4000 for this, and it had 130,000 miles on it, something like that.\u00a0 A good, dependable vehicle, get her around town, no problem, and she was happy to have it.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tHer younger sister, though, looked at that vehicle and said \u2013 I\u2019ll never forget \u2013 she said, \u201cThere\u2019s no way I\u2019m driving that car when I turn 16.\u201d\u00a0 Right?\u00a0 She was still a few years away.\u00a0 And I said, \u201cOkay.\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo as her sister drove the car around and got along fine and went off to college, it came time for her younger sister to turn 16, and I reminded her.\u00a0 \u201cYou know, you said there\u2019s no way you\u2019re driving this car.\u00a0 It is the only one we have, so you can make the decision.\u00a0 You\u2019re either driving it or there\u2019s nothing to drive.\u201d\u00a0 I remember her kind of grudging, \u201cYeah, I\u2019ll drive it.\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWell two years later when she was a senior and headed off to college, we decided to sell the vehicle because it had served the girls well, we could still get some money out of it.\u00a0 I remember her saying, \u201cI don\u2019t want you to sell my car.\u00a0 I love that car.\u201d\u00a0 Right?\u00a0 The one that five years earlier said, \u201cNo way I\u2019m driving it,\u201d now she loves that car.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t(laughter)\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tIt is just interesting the perspective that we have, that kids have, on stuff and how time can change that perspective, how our attitudes \u2013 it really is a part of parenting to help set a tone for what contentment needs to look like in your family.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Yes, and unfortunately we as parents are susceptible to the same disease \u2013\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 That\u2019s right.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 -- as your second-born daughter, there.\u00a0 It\u2019s like, man, we would really like to have this over here.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Have that newer car, yeah.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 I can\u2019t believe we\u2019re having to drive this.\u00a0 Well, we have a guest with us who\u2019s going to help us bring some clarity to this.\u00a0 In fact, just the title of her book \u2013 I think it\u2019s therapeutic.\u00a0 I think it just brings about some analysis where it needs to happen.\u00a0 <em>Living With Less So Your Family Has More.<\/em>\u00a0 Jill Savage joins us again on <em>FamilyLife Today.<\/em>\u00a0 Welcome back, Jill.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Thank you.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Jill is the mother of five children, married to her husband, Mark.\u00a0 She\u2019s an author, speaker, an encourager, an equipper of moms through her ministry, Hearts at Home.\u00a0 Jill, Bob\u2019s illustration here, as we\u2019ve said, is not just that of teenagers.\u00a0 It\u2019s the same disease we all have as human beings, isn\u2019t it?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 It is.\u00a0 We all struggle with wanting more stuff.\u00a0 But here\u2019s the interesting thing.\u00a0 Have you ever said these statements?\u00a0 \u201cI\u2019m tired of living with constant stress.\u00a0 I feel disconnected from my spouse.\u00a0 I feel disconnected from my kids.\u00a0 I want to laugh again.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI\u2019m earning more, but I feel like we\u2019re living with less.\u00a0 I\u2019m tired of rushing from one activity to another.\u00a0 I\u2019m weary of drive-through meals.\u00a0 There are simply not enough hours in the day.\u00a0 There has to be a better way of doing things.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 You\u2019re saying if I live with less I\u2019ll find a solution to those things that you\u2019re talking about?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 That\u2019s what we have found.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 That I\u2019ll have better relationships, that I\u2019ll have less stress, I know people living with less and they\u2019re going, \u201cThis is really hard.\u00a0 It\u2019s killing us, because we\u2019re under a pile of financial pressure.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Well, when we talk about living with less, we\u2019re not just talking about living with less money.\u00a0 We\u2019re also talking about living with less stress, living with less activities than what is culturally acceptable.\u00a0 We\u2019re talking about limiting the number of volunteer activities that you say \u201cyes\u201d to, the number of activities that you allow your kids to be involved in.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tBecause, you know what?\u00a0 Home has just become this place where we just drop off our backpacks, and then we head from one activity to another to the McDonalds drive-thru to another, we come home, we fall in bed at night.\u00a0 There\u2019s no meaningful sense of relationships.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 I\u2019m reminded of one of my favorite quotes by Thomas Carlyle.\u00a0 He said, \u201cFor every one hundred people who can handle adversity, I can only show you one who can handle prosperity.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 In other words, adversity reduces your choices.\u00a0 It moves you into a corner where the only place you can look is up.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Prosperity \u2013\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Life does get simple at that point, doesn\u2019t it?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 It does.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 It gets very, very simple, you know?\u00a0 Few things matter at that point where you\u2019re going through something really tragic or life-threatening.\u00a0 But prosperity moves you to the middle of the room where there are lots of choices, lots of doors, lots of opportunities, and with it comes a real battleground in our soul over what our real value system is all about.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 And there have been many times that I\u2019ve quoted to our family or to friends from Proverbs chapter 30, where the writer of Proverbs at that point says, \u201cGrant me neither poverty nor riches.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 And goes on to say, \u201cIf I\u2019m impoverished, I\u2019ll be tempted to steal and dishonor you, God.\u00a0 But if I have riches, I\u2019ll be tempted to forget you.\u201d\u00a0 There is a spiritual warning that comes with affluence that I think we too often overlook.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Well, you know what?\u00a0 When you were saying that about prosperity, we live in a culture \u2013 it\u2019s more than prosperity financially.\u00a0 The opportunities for our children are endless.\u00a0 There are so many opportunities for them to be involved in, so many activities and lessons and to improve their skills.\u00a0 It\u2019s just nonstop.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd we begin to buy into this belief that that\u2019s what a good parent does.\u00a0 A good parent allows their kid as many opportunities as possible.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 What we have found is that a good parent also helps their children to understand that life is all about making choices, and that boundaries is something that we need to learn, even in childhood, because you\u2019re going to need to learn that for a life skill in adulthood.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 You mentioned earlier that your ninth-grade son doesn\u2019t have a cell phone, and undoubtedly that shocked some listeners to say, \u201cWhat?\u00a0 You\u2019ve got to be kidding me.\u201d\u00a0 What I want you to unpack for just a moment because it really goes with the theme of living with less so your family has more \u2013 why doesn\u2019t your son have a cell phone?\u00a0 I mean, what\u2019s really behind that decision?\u00a0 Is it purely a financial decision?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 No, it\u2019s not purely a financial decision.\u00a0 It is very much a financial decision in our case.\u00a0 We have five children, and adding five cell phones onto the family is a bit ridiculous.\u00a0 Our budget won\u2019t allow that.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Oh, but wait.\u00a0 There\u2019s a family plan, Jill.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 (laughing)\u00a0 Yes, I know that.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Yeah, okay.\u00a0 Alright.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Unlimited texting!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t(laughter)\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 You still pay for that family plan.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 That\u2019s true.\u00a0 You\u2019re right.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Someone has to pay for the family plan.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Exactly, and so it is a boundary.\u00a0 It is a financial boundary that we have drawn.\u00a0 And that is healthy.\u00a0 Now we have made that decision for other reasons besides just financial reasons.\u00a0 Part of that is also recognizing that we don\u2019t feel that a cell phone is necessary until our kids are driving.\u00a0 It\u2019s a safety issue for us, and that that is the appropriate time for them to get one.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNow it\u2019s harder and harder to hold that line, as younger and younger kids get cell phones, but we still feel that that is a valuable decision for us as parents.\u00a0 Our job as parents is to lead our kids, not to have our kids lead us, but for us to lead our kids.\u00a0 And so we\u2019ve made that decision from a parenting perspective, a philosophical perspective, and definitely a financial perspective.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Jill, you describe in the book a season, and this was a fairly recent season, when your family income was cut by 75 percent.\u00a0 And you lived like that for how long?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Oh, we still are.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Really.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Yes.\u00a0 We still are.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Okay, so what were the big rocks, what were the big chunks that had to change about how you did life when that much money was cut out of your monthly budget?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Oh, huge changes.\u00a0 We completely changed the way we shop.\u00a0 Completely.\u00a0 I began to learn new strategies, what they call super-couponing.\u00a0 I began to tap into and recognize I had more time than money, and so therefore I needed to leverage the time to actually earn money for my family.\u00a0 But I\u2019m not earning it in income, I\u2019m earning it in savings.\u00a0 So I began to shop differently.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe actually make our own laundry detergent, and we do it about every six months.\u00a0 One load of laundry detergent every six months costs me $7.00.\u00a0 Huge change, because we were spending $12, $14 in laundry detergent a month.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Is there a recipe for that in here?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Actually there is on my blog.\u00a0 We give you all the instructions on how to do that.\u00a0 It\u2019s a free download.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Okay.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 And so that was a huge change.\u00a0 We transitioned to some higher deductibles in our insurance so that our monthly insurance costs were changing.\u00a0 We ended up with one vehicle that \u2013 the transmission went out, so we went down to one vehicle, and we lived on that one vehicle.\u00a0 And that one vehicle we still owed money on, and partway through, about three months into this decrease in our income, we had to look at that and we said, \u201cWe need a vehicle that we don\u2019t owe a payment on.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 That\u2019s what I was going to ask you.\u00a0 Did you owe any money on your house, on your cars?\u00a0 You said you did on your car.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 We did, yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 How about your house?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Yes, yes.\u00a0 We still had that house payment.\u00a0 And then when we were three months into the one vehicle, we had to look at the reality of we still owed another three years on this truck that we had.\u00a0 And you know, this was a hard one.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI watched my husband struggle through this. And yet, in order to live out the vision that we had, it was a decision that we needed to make so that we could live with less financially, and we had to simplify our finances.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo we did.\u00a0 We had to sell the truck.\u00a0 It took him a couple months, and eventually we were able to sell it, to pay it off, and then to actually buy another car with cash.\u00a0 Now we have no car payments, and what freedom that has been.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 And what about credit card debt?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 That credit card debt we worked hard to pay off before we made that transition, because we did not want that weighing us down.\u00a0 So we worked really hard in the process.\u00a0 And that would be something I would encourage families to do \u2013 is to stay away from that credit card debt.\u00a0 We got into that debt because we did not have appropriate emergency funds.\u00a0 Honestly, we didn\u2019t understand the need for that until later in our marriage, and after we had racked up some debt.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo that is one thing we have worked hard to teach our kids, is to build up emergency funds \u2013 you have to expect the unexpected.\u00a0 And then when the car breaks down you don\u2019t go to the credit card.\u00a0 You instead go, because you knew that eventually cars do break down, and you have that money in the bank.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 What about a couple who are listening to us and they\u2019ve said, \u201cYou know, this sounds really good.\u00a0 Maybe living with less so our family can have more \u2013\u201cDo you have one, two, three steps that they could begin to take as a couple that would make a huge difference, or just help them pick some low fruit here at the beginning?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Yes, I think it is really important, especially if the couple can be ahead of the game on this, to learn to live on one income from the very beginning.\u00a0 I really wish we would have understood that.\u00a0 It would have made this transition much easier for us, and that\u2019s what we have encouraged others to begin to do, is to live on one income earlier rather than later.\u00a0 If you want to have that freedom you\u2019re already living on that.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo you\u2019re setting a budget, and that budget is based upon one income.\u00a0 The other income you\u2019re socking away.\u00a0 You\u2019re putting it away for the future, you\u2019re putting it away for retirement, you\u2019re putting it away for an emergency fund, you\u2019re putting it away for your child\u2019s college, whatever you want to put it away for.\u00a0 But then it makes that so much easier if, for instance, one parent would decide that they want to stay at home.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t\u00a0And we encourage couples to do this even before you have kids, before kids are even in the picture.\u00a0 Learn to just live on a limited amount of income, and then sock the rest away.\u00a0 Give the rest away.\u00a0 Learn to have that heart.\u00a0 You know, it\u2019s not ours anyway.\u00a0 It\u2019s all God\u2019s, and He just asks us to steward it.\u00a0 So that would be step number one, is to be intentional about living on one income.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThe second step I would say is to truly evaluate what you are spending money on.\u00a0 Really look at and ask yourself the question, \u201cIs it about the high cost of living, or is it about the high cost of the way that we\u2019re choosing to live?\u00a0 What choices are we making that are costing us more money that what really needs to go out?\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI recently walked through this decision with a friend of mine as they were trying to live with less, and we evaluated how much she was spending on eating out.\u00a0 They were eating out more than they were eating at home, and honestly, when she sat down \u2013 In fact, I helped her.\u00a0 We put it all in an online checkbook, because she hadn\u2019t been keeping track of it.\u00a0 Do you know that the amount they were eating out was equal to the paycheck she was bringing in, and it was eye-opening for her.\u00a0 She went, \u201cOh my gosh.\u00a0 I am working just so that we can eat out.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 So we can drive thru the drive thru lane.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Yes.\u00a0 And it was eye-opening to her, so when she really evaluated what they were spending money on and really looked at that \u2013 Sometimes you have to make hard decisions.\u00a0 That\u2019s a valuable decision \u2013 you eat at home, you\u2019re going to probably eat healthier as well, but you\u2019re going to spend less money.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tBut for myself, I know for Mark and I, we had to look at some hard decisions like cable television.\u00a0 In our first living with less journey, cable television was something I can live without, but my husband loves cable television.\u00a0 He loves to have his TV options, and it was a sacrifice.\u00a0 But we looked at that and we said, \u201cAlright.\u00a0 The cost of cable is this, it doesn\u2019t fit in our budget,\u201d and so we went without that for 17 years.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd you know what?\u00a0 I don\u2019t think our kids were hurt by that.\u00a0 We certainly weren\u2019t hurt by that.\u00a0 We had a lot better communication because we weren\u2019t sitting next to each other watching the television, but we were more face to face playing board games and spending our time differently in the evening.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo look at those things in your life that you\u2019re spending money on, and really ask yourself, \u201cCan we do this differently?\u00a0 Can we make some different decisions so that we can drop the level of money that is going out and that we\u2019re spending money on?\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Is this season for you where you\u2019re at 25 percent of what you used to bring in on a monthly basis, is this a season that you hope someday you\u2019ll be out of it and you can go buy a box of Tide again?\u00a0 Or is this the new normal for you?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 You know what?\u00a0 I believe the answer to that is that it\u2019s both.\u00a0 I don\u2019t think we want to go back to where we were, because honestly, it has simplified life.\u00a0 Even just paying the bills is simpler.\u00a0 I have less bills to pay, and I love that that only takes a few minutes every month instead of an hour. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Right.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 So that would be one thing.\u00a0 But I think, yes, there are some things that I would go, \u201cYou know, it would be nice to put that back in our life again.\u201d\u00a0 We\u2019re down to \u2013 we can eat out two times in a month, and yes, it would be nice to eat out once a week, maybe, or something like that that would be more convenient.\u00a0 So I think we would probably go back in the middle of that.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tBut I\u2019m thankful for this living with less journey.\u00a0 I think it\u2019s been healthy for our kids.\u00a0 I think it has been healthy for them to see that less can be more.\u00a0 I think it\u2019s been healthy for us.\u00a0 And so I don\u2019t regret it one bit.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 And you\u2019ll still make your own detergent no matter what, right?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 I will.\u00a0 I like my own laundry detergent.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t(laughter)\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Jill, as I\u2019ve listened to you this week talk about living with less so your family can have more, I\u2019ve reflected back on kind of how Barbara and I did life.\u00a0 You don\u2019t know this about us, necessarily, but the way we presently draw a salary is through people who support us personally on a monthly basis, or on an annual basis.\u00a0 And if the money comes in, we can earn up to a certain amount, and if it doesn\u2019t come in we don\u2019t get up to a certain amount.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tOur salary, over the years as we were raising kids, was a very modest salary, and our kids wondered why we couldn\u2019t have more.\u00a0 And as I look back on it, I think we experienced a little of what you\u2019re talking about.\u00a0 We had less, but our family did have more in that process.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWhat I want to just remind our listeners about is Philippians chapter 4, verse 19. Paul said, \u201cAnd my God shall supply every need of yours according to His riches in glory in Christ Jesus.\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI kind of became convicted at a point here as we\u2019ve talked about all this of having less so we can have more \u2013 it is God who grants the abundance that we have to be able to live here in America, and for most of us, we have more than really we need.\u00a0 And there are listeners who are really struggling who needed to hear this and needed to recalibrate, but we need to be reminded that it\u2019s God who provides.\u00a0 God will supply your needs through His Son, Jesus Christ.\u00a0 And it\u2019s not just spiritual redemption; it\u2019s about Him supplying your needs day in and day out.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI could tell stories right now of how God supplied for us so we could get our kids through college debt-free, and how we would have done that \u2013 if you\u2019d have told me that could have been accomplished back on the front end when we first went into full-time Christian ministry, I would have laughed at you, because there was no way humanly possible you could do that, because at the time we were earning $560 a month as a couple.\u00a0 And there is the God factor.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 There is.\u00a0 And you know how we describe our living with less journey, is we have had a front-row seat at watching God work, and that\u2019s been the impact.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 And I can identify with that statement.\u00a0 I just appreciate you being vulnerable sharing your stories, and I hope God does supply a little bit more so you can buy a box of Tide, too, if you want to.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t(laughter)\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 I\u2019m going to the blog and looking this up.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 I want to see what\u2019s in it.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 I want to see this $7.00 laundry detergent.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Is it Borax, or \u2013\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 I bet it is.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 You can go online at FamilyLifeToday.com, and find out Jill\u2019s recipe for laundry detergent, and find out more about her book, <em>Living With Less So Your Family Has More.<\/em>\u00a0 Go to FamilyLifeToday.com for more information on the book, and if you want to start making up your own laundry detergent in the bathtub you can do that as well.\u00a0 I-800-FLTODAY is the toll-free number if you\u2019d like to get a copy of Jill\u2019s book.\u00a0 That\u2019s 1-800 \u201cF\u201d as in Family, \u201cL\u201d as in Life, and then the word \u201cToday,\u201d or again, go online at FamilyLifeToday.com.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tYou know, we\u2019re very aware here at FamilyLife that there are a lot of families who sacrifice in order to support our ministry.\u00a0 They believe that what we\u2019re doing as a ministry is significant and important.\u00a0 They want to see it stay on their local radio station, they want to see it continue for their local community, and so from time to time they\u2019ll get in touch with us and make a donation to help underwrite those costs.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI know some of you do that on a monthly basis as Legacy Partners, and we appreciate those of you who help support us each month, and those of you who make a donation from time to time.\u00a0 This month, if you\u2019re able to make a donation to help support us, we\u2019d love to send you a copy of Dennis Rainey\u2019s new book.\u00a0 The hardback book <em>Stepping Up: A Call to Courageous Manhood<\/em> is our gift when you support the ministry this month with a donation.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tIf you make your donation online at FamilyLifeToday.com, just type the word STEP into the key code box on the online donation form, or call 1-800-FLTODAY and make your donation over the phone and just ask for a copy of the book <em>Stepping Up.<\/em><em>\u00a0 <\/em>It would be good to get a copy of this sent to you so you have it on hand when the movie <em>Courageous<\/em> comes out next week.\u00a0 You may want to use this book as follow-up reading to that film.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tLet me just say again, thanks to those of you who do support the ministry.\u00a0 We appreciate your partnership with us.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNow tomorrow we\u2019re going to talk about husbands stepping up and getting in the game, even when it\u2019s hard to do that.\u00a0 Brian Goins joins us tomorrow to talk about husbands playing, even when they\u2019re hurt.\u00a0\u00a0 I hope you can tune in for that.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI want to thank our engineer today, Keith Lynch, and our entire broadcast production team.\u00a0 On behalf of our host, Dennis Rainey, I'm Bob Lepine.\u00a0 We will see you back tomorrow for another edition of <em>FamilyLife Today<\/em>.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<em>FamilyLife Today<\/em> is a production of FamilyLife of Little Rock, Arkansas.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tHelp for today.\u00a0 Hope for tomorrow.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe are so happy to provide these transcripts to you.\u00a0 However, there is a cost to produce them for our website.\u00a0 If you\u2019ve benefited from the broadcast transcripts, would you consider <a href=\"http:\/\/wp-stage.familylife.com\/www\/donate\">donating today<\/a> to help defray the costs?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tCopyright \u00a9 2011 FamilyLife.\u00a0 All rights reserved.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<a href=\"http:\/\/wp-stage.familylife.com\/www\/\">www.FamilyLife.com<\/a>\u00a0 \n\t\t\t<\/p>"],"_seopress_titles_title":[""],"_seopress_titles_desc":[""],"_seopress_robots_index":[""],"duration":["00:"],"show_notes":[""],"_thumbnail_id":["294104"],"filesize":["24.82M"],"filesize_raw":["26023430"],"_uag_css_file_name":["uag-css-302365.css"],"_uag_js_file_name":["uag-js-302365.js"],"_uag_page_assets":["a:9:{s:3:\"css\";s:82560:\".wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: 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one wants their children to do without.","meta_box":{"show_notes":"","transcript_url":"https:\/\/transcript.familylifetoday.com\/fl2011-09-21.pdf","transcript_content":"<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 When Jill Savage and her husband were facing some financial challenges, they realized it was time to make some hard choices, like what to do about the pickup truck and the payments.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 I watched my husband struggle with that decision, because he loved his truck.\u00a0 He\u2019s a handyman kind of guy, he likes to build things, and I knew that that was really going to be a sacrifice on his part.\u00a0 And yet, in order to live out the vision that we had, it was a decision that we needed to make so that we could live with less financially.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo we did.\u00a0 We had to sell the truck.\u00a0 It took him a couple months, and eventually we were able to pay it off and then to actually buy another car with cash, and now we have no car payments.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 This is <em>FamilyLife Today\u00ae<\/em> for Wednesday, September 21<sup>st<\/sup>.\u00a0 Our host is the President of FamilyLife\u00ae, Dennis Rainey, and I\u2019m Bob Lepine.\u00a0\u00a0 We\u2019ll talk today about families making tough choices so they can live within their means.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd welcome to <em>FamilyLife Today<\/em>.\u00a0 Thanks for joining us.\u00a0 I have to tell you two car stories to start things off here, okay?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong><strong>\u00a0 <\/strong>Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Car story number one \u2013 I\u2019ll never forget my kids telling me this.\u00a0 A classmate who had turned 16, and for his 16<sup>th<\/sup> birthday when he arrived home there was a used car in the driveway.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 How used?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Well, you know it was maybe a year or two used.\u00a0 It wasn\u2019t all beat up; it was a nice used car.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Yeah, okay.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Basic model Chevy something.\u00a0 I don\u2019t remember what it was.\u00a0 But, arrived home, 16<sup>th<\/sup> birthday, used car, \u201cHappy Birthday\u201d was chalked onto the window, and Dad said, \u201cCome on.\u00a0 Let\u2019s go for a ride in the car.\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo the teenager got out, excited, the car, they\u2019re driving it around, and they drove for about five minutes and when they got back, they couldn\u2019t get in the driveway because the child\u2019s real birthday present was there. It was a brand new Infiniti, and Dad was laughing about the fact that they\u2019d played a trick on the child with this late model used car.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThe poor child was thinking that\u2019s what they were getting for their birthday, when Dad really had the souped-up Infiniti.\u00a0 Now this got shared at the dinner table one night by our children, prior to their 16<sup>th<\/sup> birthday.\u00a0 Right?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Oh, yeah.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 You know what the message was, don\u2019t you?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Lobby \u2013 lobbying.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Which brings me to car story number two.\u00a0 When our oldest was driving, we decided that we had enough money that we could buy an old used \u2013 and I mean an old and used \u2013 Camry.\u00a0 I think I paid about $4000 for this, and it had 130,000 miles on it, something like that.\u00a0 A good, dependable vehicle, get her around town, no problem, and she was happy to have it.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tHer younger sister, though, looked at that vehicle and said \u2013 I\u2019ll never forget \u2013 she said, \u201cThere\u2019s no way I\u2019m driving that car when I turn 16.\u201d\u00a0 Right?\u00a0 She was still a few years away.\u00a0 And I said, \u201cOkay.\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo as her sister drove the car around and got along fine and went off to college, it came time for her younger sister to turn 16, and I reminded her.\u00a0 \u201cYou know, you said there\u2019s no way you\u2019re driving this car.\u00a0 It is the only one we have, so you can make the decision.\u00a0 You\u2019re either driving it or there\u2019s nothing to drive.\u201d\u00a0 I remember her kind of grudging, \u201cYeah, I\u2019ll drive it.\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWell two years later when she was a senior and headed off to college, we decided to sell the vehicle because it had served the girls well, we could still get some money out of it.\u00a0 I remember her saying, \u201cI don\u2019t want you to sell my car.\u00a0 I love that car.\u201d\u00a0 Right?\u00a0 The one that five years earlier said, \u201cNo way I\u2019m driving it,\u201d now she loves that car.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t(laughter)\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tIt is just interesting the perspective that we have, that kids have, on stuff and how time can change that perspective, how our attitudes \u2013 it really is a part of parenting to help set a tone for what contentment needs to look like in your family.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Yes, and unfortunately we as parents are susceptible to the same disease \u2013\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 That\u2019s right.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 -- as your second-born daughter, there.\u00a0 It\u2019s like, man, we would really like to have this over here.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Have that newer car, yeah.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 I can\u2019t believe we\u2019re having to drive this.\u00a0 Well, we have a guest with us who\u2019s going to help us bring some clarity to this.\u00a0 In fact, just the title of her book \u2013 I think it\u2019s therapeutic.\u00a0 I think it just brings about some analysis where it needs to happen.\u00a0 <em>Living With Less So Your Family Has More.<\/em>\u00a0 Jill Savage joins us again on <em>FamilyLife Today.<\/em>\u00a0 Welcome back, Jill.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Thank you.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Jill is the mother of five children, married to her husband, Mark.\u00a0 She\u2019s an author, speaker, an encourager, an equipper of moms through her ministry, Hearts at Home.\u00a0 Jill, Bob\u2019s illustration here, as we\u2019ve said, is not just that of teenagers.\u00a0 It\u2019s the same disease we all have as human beings, isn\u2019t it?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 It is.\u00a0 We all struggle with wanting more stuff.\u00a0 But here\u2019s the interesting thing.\u00a0 Have you ever said these statements?\u00a0 \u201cI\u2019m tired of living with constant stress.\u00a0 I feel disconnected from my spouse.\u00a0 I feel disconnected from my kids.\u00a0 I want to laugh again.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI\u2019m earning more, but I feel like we\u2019re living with less.\u00a0 I\u2019m tired of rushing from one activity to another.\u00a0 I\u2019m weary of drive-through meals.\u00a0 There are simply not enough hours in the day.\u00a0 There has to be a better way of doing things.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 You\u2019re saying if I live with less I\u2019ll find a solution to those things that you\u2019re talking about?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 That\u2019s what we have found.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 That I\u2019ll have better relationships, that I\u2019ll have less stress, I know people living with less and they\u2019re going, \u201cThis is really hard.\u00a0 It\u2019s killing us, because we\u2019re under a pile of financial pressure.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Well, when we talk about living with less, we\u2019re not just talking about living with less money.\u00a0 We\u2019re also talking about living with less stress, living with less activities than what is culturally acceptable.\u00a0 We\u2019re talking about limiting the number of volunteer activities that you say \u201cyes\u201d to, the number of activities that you allow your kids to be involved in.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tBecause, you know what?\u00a0 Home has just become this place where we just drop off our backpacks, and then we head from one activity to another to the McDonalds drive-thru to another, we come home, we fall in bed at night.\u00a0 There\u2019s no meaningful sense of relationships.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 I\u2019m reminded of one of my favorite quotes by Thomas Carlyle.\u00a0 He said, \u201cFor every one hundred people who can handle adversity, I can only show you one who can handle prosperity.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 In other words, adversity reduces your choices.\u00a0 It moves you into a corner where the only place you can look is up.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Prosperity \u2013\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Life does get simple at that point, doesn\u2019t it?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 It does.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 It gets very, very simple, you know?\u00a0 Few things matter at that point where you\u2019re going through something really tragic or life-threatening.\u00a0 But prosperity moves you to the middle of the room where there are lots of choices, lots of doors, lots of opportunities, and with it comes a real battleground in our soul over what our real value system is all about.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 And there have been many times that I\u2019ve quoted to our family or to friends from Proverbs chapter 30, where the writer of Proverbs at that point says, \u201cGrant me neither poverty nor riches.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 And goes on to say, \u201cIf I\u2019m impoverished, I\u2019ll be tempted to steal and dishonor you, God.\u00a0 But if I have riches, I\u2019ll be tempted to forget you.\u201d\u00a0 There is a spiritual warning that comes with affluence that I think we too often overlook.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Well, you know what?\u00a0 When you were saying that about prosperity, we live in a culture \u2013 it\u2019s more than prosperity financially.\u00a0 The opportunities for our children are endless.\u00a0 There are so many opportunities for them to be involved in, so many activities and lessons and to improve their skills.\u00a0 It\u2019s just nonstop.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd we begin to buy into this belief that that\u2019s what a good parent does.\u00a0 A good parent allows their kid as many opportunities as possible.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 What we have found is that a good parent also helps their children to understand that life is all about making choices, and that boundaries is something that we need to learn, even in childhood, because you\u2019re going to need to learn that for a life skill in adulthood.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 You mentioned earlier that your ninth-grade son doesn\u2019t have a cell phone, and undoubtedly that shocked some listeners to say, \u201cWhat?\u00a0 You\u2019ve got to be kidding me.\u201d\u00a0 What I want you to unpack for just a moment because it really goes with the theme of living with less so your family has more \u2013 why doesn\u2019t your son have a cell phone?\u00a0 I mean, what\u2019s really behind that decision?\u00a0 Is it purely a financial decision?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 No, it\u2019s not purely a financial decision.\u00a0 It is very much a financial decision in our case.\u00a0 We have five children, and adding five cell phones onto the family is a bit ridiculous.\u00a0 Our budget won\u2019t allow that.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Oh, but wait.\u00a0 There\u2019s a family plan, Jill.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 (laughing)\u00a0 Yes, I know that.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Yeah, okay.\u00a0 Alright.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Unlimited texting!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t(laughter)\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 You still pay for that family plan.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 That\u2019s true.\u00a0 You\u2019re right.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Someone has to pay for the family plan.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Exactly, and so it is a boundary.\u00a0 It is a financial boundary that we have drawn.\u00a0 And that is healthy.\u00a0 Now we have made that decision for other reasons besides just financial reasons.\u00a0 Part of that is also recognizing that we don\u2019t feel that a cell phone is necessary until our kids are driving.\u00a0 It\u2019s a safety issue for us, and that that is the appropriate time for them to get one.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNow it\u2019s harder and harder to hold that line, as younger and younger kids get cell phones, but we still feel that that is a valuable decision for us as parents.\u00a0 Our job as parents is to lead our kids, not to have our kids lead us, but for us to lead our kids.\u00a0 And so we\u2019ve made that decision from a parenting perspective, a philosophical perspective, and definitely a financial perspective.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Jill, you describe in the book a season, and this was a fairly recent season, when your family income was cut by 75 percent.\u00a0 And you lived like that for how long?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Oh, we still are.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Really.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Yes.\u00a0 We still are.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Okay, so what were the big rocks, what were the big chunks that had to change about how you did life when that much money was cut out of your monthly budget?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Oh, huge changes.\u00a0 We completely changed the way we shop.\u00a0 Completely.\u00a0 I began to learn new strategies, what they call super-couponing.\u00a0 I began to tap into and recognize I had more time than money, and so therefore I needed to leverage the time to actually earn money for my family.\u00a0 But I\u2019m not earning it in income, I\u2019m earning it in savings.\u00a0 So I began to shop differently.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe actually make our own laundry detergent, and we do it about every six months.\u00a0 One load of laundry detergent every six months costs me $7.00.\u00a0 Huge change, because we were spending $12, $14 in laundry detergent a month.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Is there a recipe for that in here?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Actually there is on my blog.\u00a0 We give you all the instructions on how to do that.\u00a0 It\u2019s a free download.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Okay.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 And so that was a huge change.\u00a0 We transitioned to some higher deductibles in our insurance so that our monthly insurance costs were changing.\u00a0 We ended up with one vehicle that \u2013 the transmission went out, so we went down to one vehicle, and we lived on that one vehicle.\u00a0 And that one vehicle we still owed money on, and partway through, about three months into this decrease in our income, we had to look at that and we said, \u201cWe need a vehicle that we don\u2019t owe a payment on.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 That\u2019s what I was going to ask you.\u00a0 Did you owe any money on your house, on your cars?\u00a0 You said you did on your car.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 We did, yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 How about your house?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Yes, yes.\u00a0 We still had that house payment.\u00a0 And then when we were three months into the one vehicle, we had to look at the reality of we still owed another three years on this truck that we had.\u00a0 And you know, this was a hard one.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI watched my husband struggle through this. And yet, in order to live out the vision that we had, it was a decision that we needed to make so that we could live with less financially, and we had to simplify our finances.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo we did.\u00a0 We had to sell the truck.\u00a0 It took him a couple months, and eventually we were able to sell it, to pay it off, and then to actually buy another car with cash.\u00a0 Now we have no car payments, and what freedom that has been.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 And what about credit card debt?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 That credit card debt we worked hard to pay off before we made that transition, because we did not want that weighing us down.\u00a0 So we worked really hard in the process.\u00a0 And that would be something I would encourage families to do \u2013 is to stay away from that credit card debt.\u00a0 We got into that debt because we did not have appropriate emergency funds.\u00a0 Honestly, we didn\u2019t understand the need for that until later in our marriage, and after we had racked up some debt.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo that is one thing we have worked hard to teach our kids, is to build up emergency funds \u2013 you have to expect the unexpected.\u00a0 And then when the car breaks down you don\u2019t go to the credit card.\u00a0 You instead go, because you knew that eventually cars do break down, and you have that money in the bank.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 What about a couple who are listening to us and they\u2019ve said, \u201cYou know, this sounds really good.\u00a0 Maybe living with less so our family can have more \u2013\u201cDo you have one, two, three steps that they could begin to take as a couple that would make a huge difference, or just help them pick some low fruit here at the beginning?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Yes, I think it is really important, especially if the couple can be ahead of the game on this, to learn to live on one income from the very beginning.\u00a0 I really wish we would have understood that.\u00a0 It would have made this transition much easier for us, and that\u2019s what we have encouraged others to begin to do, is to live on one income earlier rather than later.\u00a0 If you want to have that freedom you\u2019re already living on that.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo you\u2019re setting a budget, and that budget is based upon one income.\u00a0 The other income you\u2019re socking away.\u00a0 You\u2019re putting it away for the future, you\u2019re putting it away for retirement, you\u2019re putting it away for an emergency fund, you\u2019re putting it away for your child\u2019s college, whatever you want to put it away for.\u00a0 But then it makes that so much easier if, for instance, one parent would decide that they want to stay at home.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t\u00a0And we encourage couples to do this even before you have kids, before kids are even in the picture.\u00a0 Learn to just live on a limited amount of income, and then sock the rest away.\u00a0 Give the rest away.\u00a0 Learn to have that heart.\u00a0 You know, it\u2019s not ours anyway.\u00a0 It\u2019s all God\u2019s, and He just asks us to steward it.\u00a0 So that would be step number one, is to be intentional about living on one income.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThe second step I would say is to truly evaluate what you are spending money on.\u00a0 Really look at and ask yourself the question, \u201cIs it about the high cost of living, or is it about the high cost of the way that we\u2019re choosing to live?\u00a0 What choices are we making that are costing us more money that what really needs to go out?\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI recently walked through this decision with a friend of mine as they were trying to live with less, and we evaluated how much she was spending on eating out.\u00a0 They were eating out more than they were eating at home, and honestly, when she sat down \u2013 In fact, I helped her.\u00a0 We put it all in an online checkbook, because she hadn\u2019t been keeping track of it.\u00a0 Do you know that the amount they were eating out was equal to the paycheck she was bringing in, and it was eye-opening for her.\u00a0 She went, \u201cOh my gosh.\u00a0 I am working just so that we can eat out.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 So we can drive thru the drive thru lane.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Yes.\u00a0 And it was eye-opening to her, so when she really evaluated what they were spending money on and really looked at that \u2013 Sometimes you have to make hard decisions.\u00a0 That\u2019s a valuable decision \u2013 you eat at home, you\u2019re going to probably eat healthier as well, but you\u2019re going to spend less money.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tBut for myself, I know for Mark and I, we had to look at some hard decisions like cable television.\u00a0 In our first living with less journey, cable television was something I can live without, but my husband loves cable television.\u00a0 He loves to have his TV options, and it was a sacrifice.\u00a0 But we looked at that and we said, \u201cAlright.\u00a0 The cost of cable is this, it doesn\u2019t fit in our budget,\u201d and so we went without that for 17 years.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd you know what?\u00a0 I don\u2019t think our kids were hurt by that.\u00a0 We certainly weren\u2019t hurt by that.\u00a0 We had a lot better communication because we weren\u2019t sitting next to each other watching the television, but we were more face to face playing board games and spending our time differently in the evening.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo look at those things in your life that you\u2019re spending money on, and really ask yourself, \u201cCan we do this differently?\u00a0 Can we make some different decisions so that we can drop the level of money that is going out and that we\u2019re spending money on?\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Is this season for you where you\u2019re at 25 percent of what you used to bring in on a monthly basis, is this a season that you hope someday you\u2019ll be out of it and you can go buy a box of Tide again?\u00a0 Or is this the new normal for you?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 You know what?\u00a0 I believe the answer to that is that it\u2019s both.\u00a0 I don\u2019t think we want to go back to where we were, because honestly, it has simplified life.\u00a0 Even just paying the bills is simpler.\u00a0 I have less bills to pay, and I love that that only takes a few minutes every month instead of an hour. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Right.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 So that would be one thing.\u00a0 But I think, yes, there are some things that I would go, \u201cYou know, it would be nice to put that back in our life again.\u201d\u00a0 We\u2019re down to \u2013 we can eat out two times in a month, and yes, it would be nice to eat out once a week, maybe, or something like that that would be more convenient.\u00a0 So I think we would probably go back in the middle of that.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tBut I\u2019m thankful for this living with less journey.\u00a0 I think it\u2019s been healthy for our kids.\u00a0 I think it has been healthy for them to see that less can be more.\u00a0 I think it\u2019s been healthy for us.\u00a0 And so I don\u2019t regret it one bit.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 And you\u2019ll still make your own detergent no matter what, right?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 I will.\u00a0 I like my own laundry detergent.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t(laughter)\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Jill, as I\u2019ve listened to you this week talk about living with less so your family can have more, I\u2019ve reflected back on kind of how Barbara and I did life.\u00a0 You don\u2019t know this about us, necessarily, but the way we presently draw a salary is through people who support us personally on a monthly basis, or on an annual basis.\u00a0 And if the money comes in, we can earn up to a certain amount, and if it doesn\u2019t come in we don\u2019t get up to a certain amount.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tOur salary, over the years as we were raising kids, was a very modest salary, and our kids wondered why we couldn\u2019t have more.\u00a0 And as I look back on it, I think we experienced a little of what you\u2019re talking about.\u00a0 We had less, but our family did have more in that process.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWhat I want to just remind our listeners about is Philippians chapter 4, verse 19. Paul said, \u201cAnd my God shall supply every need of yours according to His riches in glory in Christ Jesus.\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI kind of became convicted at a point here as we\u2019ve talked about all this of having less so we can have more \u2013 it is God who grants the abundance that we have to be able to live here in America, and for most of us, we have more than really we need.\u00a0 And there are listeners who are really struggling who needed to hear this and needed to recalibrate, but we need to be reminded that it\u2019s God who provides.\u00a0 God will supply your needs through His Son, Jesus Christ.\u00a0 And it\u2019s not just spiritual redemption; it\u2019s about Him supplying your needs day in and day out.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI could tell stories right now of how God supplied for us so we could get our kids through college debt-free, and how we would have done that \u2013 if you\u2019d have told me that could have been accomplished back on the front end when we first went into full-time Christian ministry, I would have laughed at you, because there was no way humanly possible you could do that, because at the time we were earning $560 a month as a couple.\u00a0 And there is the God factor.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 There is.\u00a0 And you know how we describe our living with less journey, is we have had a front-row seat at watching God work, and that\u2019s been the impact.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 And I can identify with that statement.\u00a0 I just appreciate you being vulnerable sharing your stories, and I hope God does supply a little bit more so you can buy a box of Tide, too, if you want to.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t(laughter)\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 I\u2019m going to the blog and looking this up.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 I want to see what\u2019s in it.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 I want to see this $7.00 laundry detergent.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Is it Borax, or \u2013\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jill:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 I bet it is.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 You can go online at FamilyLifeToday.com, and find out Jill\u2019s recipe for laundry detergent, and find out more about her book, <em>Living With Less So Your Family Has More.<\/em>\u00a0 Go to FamilyLifeToday.com for more information on the book, and if you want to start making up your own laundry detergent in the bathtub you can do that as well.\u00a0 I-800-FLTODAY is the toll-free number if you\u2019d like to get a copy of Jill\u2019s book.\u00a0 That\u2019s 1-800 \u201cF\u201d as in Family, \u201cL\u201d as in Life, and then the word \u201cToday,\u201d or again, go online at FamilyLifeToday.com.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tYou know, we\u2019re very aware here at FamilyLife that there are a lot of families who sacrifice in order to support our ministry.\u00a0 They believe that what we\u2019re doing as a ministry is significant and important.\u00a0 They want to see it stay on their local radio station, they want to see it continue for their local community, and so from time to time they\u2019ll get in touch with us and make a donation to help underwrite those costs.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI know some of you do that on a monthly basis as Legacy Partners, and we appreciate those of you who help support us each month, and those of you who make a donation from time to time.\u00a0 This month, if you\u2019re able to make a donation to help support us, we\u2019d love to send you a copy of Dennis Rainey\u2019s new book.\u00a0 The hardback book <em>Stepping Up: A Call to Courageous Manhood<\/em> is our gift when you support the ministry this month with a donation.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tIf you make your donation online at FamilyLifeToday.com, just type the word STEP into the key code box on the online donation form, or call 1-800-FLTODAY and make your donation over the phone and just ask for a copy of the book <em>Stepping Up.<\/em><em>\u00a0 <\/em>It would be good to get a copy of this sent to you so you have it on hand when the movie <em>Courageous<\/em> comes out next week.\u00a0 You may want to use this book as follow-up reading to that film.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tLet me just say again, thanks to those of you who do support the ministry.\u00a0 We appreciate your partnership with us.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNow tomorrow we\u2019re going to talk about husbands stepping up and getting in the game, even when it\u2019s hard to do that.\u00a0 Brian Goins joins us tomorrow to talk about husbands playing, even when they\u2019re hurt.\u00a0\u00a0 I hope you can tune in for that.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI want to thank our engineer today, Keith Lynch, and our entire broadcast production team.\u00a0 On behalf of our host, Dennis Rainey, I'm Bob Lepine.\u00a0 We will see you back tomorrow for another edition of <em>FamilyLife Today<\/em>.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<em>FamilyLife Today<\/em> is a production of FamilyLife of Little Rock, Arkansas.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tHelp for today.\u00a0 Hope for tomorrow.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe are so happy to provide these transcripts to you.\u00a0 However, there is a cost to produce them for our website.\u00a0 If you\u2019ve benefited from the broadcast transcripts, would you consider <a href=\"http:\/\/wp-stage.familylife.com\/www\/donate\">donating today<\/a> to help defray the costs?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tCopyright \u00a9 2011 FamilyLife.\u00a0 All rights reserved.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<a href=\"http:\/\/wp-stage.familylife.com\/www\/\">www.FamilyLife.com<\/a>\u00a0 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