As I think about this topic, I feel that I have a whole book to say and could someday have the credibility for other people to learn from it. But for a blog post I am only going to share the exact concept of the title, which is the idea that some success in saving money actually requires extravagant spending of strength and attention. And the second thing to add is what could bother some people, which is that it might not be worth it.
I have said in other posts that I strongly believe a key thing to learn in life is that there are multiple overlapping economies of hundreds of blessings or efforts, and not all value is reflected in any financial economy, which is also likely to have layers and unaccounted resources.
But what I am saying now is that when people try to be good with their money, there are a lot of options. In a way I could say, what is needed is a whole life offering to God, so really you have to spend everything you have. And I do believe that, but in terms of day-to-day budgeting, I actually have the opposite thing to say, which is that people might do well to not obsess about it and instead try to have just a few good habits.
For me, in my successful years of financial faithfulness, it was a matter of not spending more than I had, and making sure I was generous. I also tried to give ten percent to anything Christian, which usually wasn’t my church. This is where my post becomes more like book material, and I will say I really think that during a certain 12 years, I was probably in a 99th percentile of financial faithfulness. I heartily prescribe that to other people, though everyone has different lives and a lot of people really suffer and have kids to take care of, etc.
People could get mad even at my little headline, but I know it is a good concept to think of. There are two other phases of my life that are different, where I lived rather haphazardly on loan money from my parents, based on my probable and to me, due success as an author, and now, after some unexplained farce of rejection, a time of suffering when I am totally dependent on other people because of disability. The people I am dependent on, which is taxpayers and my mom, are actually people who I think have “spent a lot on their spending.” In other words, severe frugality and life cost to make sure money is not wasted. And because of the limited resources that actually might not be a coincidence from that, I am both abpruptly and gradually reverting back to my old habits of general faithfulness on a small “salary.”
That is more personal info than I usually include in these worldly monk posts, but I think it is a good topic to think about, because there are many approaches to managing money, and to me, even some of the most popular books about it are misoriented. What I am suggesting is not a joke, and the fact that my success and reward is currently obscured by abuse, loss and horrifically, financial dependence, will never reverse or undo the truth of how blessed my life was for many years as I survived as a humble and generous person with the budget that was granted to me by God, already minimized by greedy people who will never be satisfied by their unfair gain.
What are you spending on your spending? Are you a coupon person? It could be a good idea. But leaving big tips and forgetting about money altogether also has its reward. That is all I will say. People can get mad and probably will. That is another economy of emotions that can also function with choices of investment in feeling better or living life with other goals.
My book about this will probably only be available or accepted when I am dead, partially because this life-giving truth is the exact reason why people would want to kill me.