I have a friend who works in the construction trade. He confessed that sometimes he puts off or just forgets to make his truck payment for a month or two. He always catches up and pays it back current, it’s just hard to keep track of all of his bills and pay them on time. Now he was worried his low credit score wouldn’t let him expand or buy a house in the future.
I know this friend is really skilled at his job. I also know he is meticulous about cleaning his tools at the end of the day. Why I asked him? Because, he told me, “If you take care of your tools they will take care of you.”
These are the wise words of a skilled craftsman.
The following word picture occurred to me and we talked through it:
One of the many reasons we all work and is to secure our unknown financial future. Good credit is a symptom of someone that takes care of their personal business. I want you to think of your credit as a tool in the toolbox of your financial future. Take care of this tool with the same diligence you bring to your physical tools.
Sometimes it’s hard for us to think and work outside the area of our expertise. If we’re working long hours, in graduate school writing papers into the night, feeding and changing small children, or feeling the weight of ministry demands it can be difficult to remember the importance of the other ‘tools’ in our life.
Our physical body might be our most important tool. We can’t do anything without it. Let’s take care of that tool. Everyday.
Success in life is impossible without healthy relationships – to God and others. Is there some rust building there?
When Noelle and I were really motivated to get out of debt, we spent a few minutes each day thinking and taking a small action. We understood that meeting this financial goal would be a valuable tool that would enable us to be able to do ministry, provide a stable home for our children, and be generous givers.
Take care of your tools and they will take care of you.