Greetings to all!
Apparently I told Leah that if she started a blog I would help her out and write my own posts every once in a while. Well, she decided to hold me to that this week! So here goes my first attempt at blogging....
The other day in my personal
finance class we had a guest speaker come and talk to us about ways to wisely
handle our finances. One thing she talked about was the difference between
cash, debit cards, and credit cards. One major distinction between them is that
both cash and debit cards are limited by how much money you have in your
possession (whether in your wallet or in your bank account), but credit cards
have no such limit. Yes, you can put a limit on how much you can put on your
credit card in one month, but you don’t actually have to be in possession of
that money in order to spend it. Noting that this was a danger sign, but also
recognizing its value, the lady said, “In and of themselves credit cards are
just a piece of plastic. They’re neutral. It’s how you use them that can make
them good or bad.”
Really?
Are credit cards simply neutral? Consider the common pitch-line that credit
card companies throw out to customers to reel them in: “Have it now. Pay for it
later.” Is that a neutral statement? I would argue that it is not at all
neutral – it is full of values. The most obvious one is the value of “having
things now” which is translated as instant gratification. Another value
imbedded in that statement is that people should have things even though they
can’t afford them. Knowing that the average American household credit card debt
is over $7,000 is enough to convince me that many people are affected by
marketing that says “you need our product now in order to be happy” even when
they can’t afford those products.
As Christians I think this is something we need to be very aware of and cautious
about. I have yet to find a place in the Bible where instant gratification and
consumerism are encouraged. The values that a credit card holds are values that
we should be avoiding, not embracing. Now I don’t think this means that
Christians should not have credit cards. I myself have one and use it quite
regularly for gas and groceries. What I think is important is that we as
Christians recognize the values that we welcome into our lives. When we sign up
for a credit card we are inviting the values of the credit card into our
wallets and purses. Of course it is possible to use the credit card
responsibly, but the very nature of the credit card encourages
irresponsibility. In the words of one of my professors, the credit card is
something we need to “use with caution”.
Obviously
this is an issue that applies to more than credit cards. Everything we use in
our lives contains values. Here are a few more examples:
·
Vehicles: we ought to be able to go wherever we
want whenever we want.
·
TV’s: we ought to have access to entertainment
whenever we want.
·
Microwaves: we ought to be able to cook our food
as fast as possible.
·
Cell phones: we ought to be able to contact
whoever we want whenever we want.
I
should apologize right now for wording everything so far in a negative way. I
wanted to stir up a little bit of uncomfortableness at first. ;) Here are all the same
technologies with a positive value.
·
Credit cards: we ought to have a safe and
convenient way to spend money wherever we are.
·
Vehicles: we ought to have a safe and easy way
of travelling to see family.
·
TV’s: we ought to have access to relevant news,
weather, and sports information.
· Microwaves: we ought to be able to cook our food
more efficiently than in an oven.
·
Cell phones: we ought to be able to make
emergency contact wherever we are.
As you
can see, every technology we use in our lives has both positive and negative
values. I think it is important for us as Christians to take advantage of the
positive blessings technologies can bring us, and do whatever we can to limit
the impact that the negative values have on us. It is my prayer that we can
glorify God through the way that we use the technologies that He has blessed us
with.
Sorry I don't have any pictures to post with my blog...I guess my life is pretty boring! I hope you all have a great week and a blessed Lord's Day tomorrow!
Until next time,
Daniel