Wait patiently for the LORD. Be brave and courageous. Yes, wait patiently for the LORD. Psalm 27:14 NLT
Have you ever felt pressured into making an immediate decision? Most of us have been presented with “good deals” that end in a few hours or within 24 hours, and if we do not want to miss out, we must take action now.
Recently, I received a notice that the promotional price on my cable-internet bundle package was ending in 30 days. Immediately I questioned the validity of the notification; 12 months ago, I recall receiving the letter from the cable provider that for a 24 month period they would offer the lowest prices plus a gift card if I committed to the terms of the contract. After reviewing the hard copy contract, I realized that I agreed to pay regular prices after a year; however, I was still legally obligated for another 12 months to keep the services or pay an early termination fee.
The first action was to reflect: What were the factors that influenced me to agree to this good deal?
Dissatisfaction with the previous cable provider along with a promotional price for two services that were less than what I was currently paying for one service easily enabled me to make an immediate decision. In addition, I did not explore the options of good deals from other cable providers. I received a promotional via mail and from the convenience of simply dialing a number, I signed up for the opportunity to enjoy a competitively priced package–which expired within 24 hours–insufficient time to read the small print.
There are very few circumstances that require an immediate answer, and most that involve our finances do not!
- Always pray for guidance-if it is meant for you then God will not withhold your blessings.
- Take the time to research all aspects of new opportunities or better options-all that glitters is not gold.
- Learn to say “No, thank you.”
- Calculate all monthly payments from an annual perspective; an extra $40 per month adds up to $480 per year with the possibility of additional interest or other charges.
Remember that instant gratification subtracts from your financial resources, and usually results in negative outcomes.
Prayer for today: Dear God, We seek knowledge and ask for wisdom that our decisions will be based on our needs and not our desires. We ask you to help us to break the cycle of inappropriate spending habits. We ask you to help us to listen and when you say not now to be obedient. Thank you for hearing and answering our prayer. In Jesus’ name, we pray. Amen.
© Sonya Johnson Ruiz 2019