We Can’t Afford My Being Home

Philippians 4:19 And my God will supply every need of yours according to his riches in glory in Christ Jesus. ESV

“Sixteen out of 38 of Christ’s parables deal with money;

more is said in the New Testament about money

than Heaven and Hell combined;

five times more is said about money than prayer;

and while there are 500-plus verses on both prayer and faith,

there are over 2,000 verses dealing with money and possessions.”


John MacArthur, Jr.

Matthew 6:24 “No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.” ESV

1 Timothy 6:6-10

6 Now there is great gain in godliness with contentment,
7 for we brought nothing into the world, and we cannot take anything out of the world.
8 But if we have food and clothing, with these we will be content.
9 But those who desire to be rich fall into temptation, into a snare, into many senseless and harmful desires that plunge people into ruin and destruction.
10 For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs.

The KJV says: “pierced themselves through with many sorrows.”

What sorrows will be yours if working for the extra car, that vacation, the college education or the extra curricular activities takes the place of being a “Keeper at Home”?

Now many will say that they are not working for the extras but for the basics. That the husband’s income is not enough.

Are you sure that everything that the money is being spent on is a true need or is it a perceived need?

Millions call themselves by His Name, it is true, and pay some token of respect to Him, but a simple test will show how little He is really honored among them. Let the average man be put to the proof on the question of who or what is above, and his true choice between God and money, between God and man, between God and personal ambition, God and self, God and human love, and God will take second place every time. However the man may protest the proof is in the choices he makes day after day throughout his life.”



You see, income is not the problem. Spending more than one’s income is the problem. So reducing living expenses is the first step to finding money you never knew you had.”


Ron Blue, Master Your Money, a Christian Financial Counseling service

Hebrews 13:5-6

5 Keep your life free from love of money, and be content with what you have, for he has said, “I will never leave you nor forsake you.”
6 So we can confidently say, “The Lord is my helper; I will not fear; what can man do to me?”


3 thoughts on “We Can’t Afford My Being Home

  1. My husband earns about half of what our expenses are, due to debt. The debt is there-I work full time to pay it though I want to be home. We rent a small house in a funky neighborhood don’t vacation , eat in, clothes from thrift stores, my makeup is six years old, hand me downs, beans and rice, etc etc. The numbers on the excel spreadsheet do not add up. No cable, we cut our own hair, no pets, holes in shoes, I could go on. I have read scripture to my Christian husband, basked and cried and pleaded over and over…and I have to work. All these articles are preaching to the choir. But even taking cost of daycare and all other job related costs, the basic bills and minimum monthly debt payments far far exceed his income. Where will the difference come from? I cannot risk eviction from our rental if I quit and see what happens. I am not a selfish feminist. I have economic constraints, debt, and that is the hand I am dealt. I want to be there but like I said we’ve ran the numbers…cut out daycare, this, that and it still won’t add up. The debt may be evil, and the banks”own me” but what more can I do . The anxiety and angst and defensiveness about thus pains me to no end. There are a lot if moms with depression over this like me.

    Berean Wife Reply:

    Naomi’s Mommy,

    Debt is evil because in a sense once a person takes on debt they have become a slave to the bank, credit card company, etc. Why does your family find yourselves in bondage to so much debt? See if there had been enough “preaching to the choir” previously you may have been spared the depression and defensiveness over a seemingly impossible burden. Was a new car the cause of debt? A college education? Mortgage debt and subsequent loss in the housing crises? What is the reason for your present bondage?

    See we cannot stop showing how the Lord feels about divorce just because there are those who have found themselves divorced through their own sin or the sin of another. No matter how hard it hurts those affected it does not negate the responsibility to speak the truth in love concerning divorce. Unless we discuss the hard things we will never learn what the Lord desires for us. Until the church rests its faith on the Lord and starts throwing out the World’s teaching we will never be a light to the rest of the world.

    While it sounds like you have done much to save money there may still be many possibilities available to you.

    1) You could use all your income to pay down the debt while living on your husband’s income. That would quickly get the debt down if you are not just paying the minimum. Paying the minimum is designed to keep you paying interest for a very long time. You will also be able to see what it would take to be able to live on your husband’s income.

    2) You could develop a home based income. Childcare, preparing meals for others, elder sitting, sewing, simply doing what you do now from home are all options which would allow you to be home, take care of your children and still provide income.

    3) Your husband could seek different employment to earn more or he could develop a home based job to supplement.

    4) You could seek a new home which would be cheaper or else an apartment.

    5) Sometimes the numbers on paper don’t really add up. There have been many times when our monthly income and our expenses did not match up but yet we did make it.

    Ultimately though you are in a position to teach your children differently than you were taught.

    1) A college education with large amounts of debt is not necessary to surviving in the world. A willingness to work honestly is the best way to earn a living. College is necessary for a few degrees but often there are ways to cut costs or attend for practicality free.

    2) Daughters are benefited by learning skills that will save them money in the long run. Sewing, cooking, gardening or even teaching music from home can all allow a daughter to be home with her children while still providing income.

    3) Sons need to be encouraged to set aside money for their future family. Instead of running up tremendous amounts of debt in college they could be encouraged to work hard and seek scholarships for college if deemed necessary. Maybe working their way through college would be a better method. Is college actually necessary or have we fallen for the big business of colleges stressing how you can’t make it without a college degree.

    I could go on and on. But see unless we actually start questioning society today and return to the truths of Scripture our children will be repeating the cycle. Just think if your parents had taught you this while you were young and before you found yourself in this position.

    Berean Wife

    Berean Wife Reply:

    Naomi’s Mommy,

    Here is an article speaking about the issue of debt and college. My Degree Isn’t Worth the Debt!

    Berean Wife

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