Spotlight
Turn Your Budget Upside Down
By Stuart Steenhoek
My wife and I are still in our thirties, and we’ve lived most of our lives together without a mortgage, car debt, or credit card debt. We are able to give more to help others than I ever imagined I could. We feel blessed!
How is this possible? Usually the assumption is that we must just make a lot of money. But if there is one thing I’ve learned about finances, I’ve learned that you cannot out earn bad decisions. We’ve learned that financial freedom is possible at nearly any income level. It started for us by turning our financial budget upside down.
I share our story with you because my hope is a fruitful life for everyone. Honestly, our journey started in a way that left me pretty upset at the time. As a young adult I was attending a church in Rockford, Illinois. I hadn’t faithfully attended any church since high school and had started going back as a way to meet friends in a new city. After attending a small group for a while, I started to become close friends with the group’s host. One day he waited after the rest of the group had left to ask me a pointed question about whether I gave to the church. (To be clear, this article isn’t about giving, but this part is important in understanding where my wife and I came from.)
I was actually mad that the host had the audacity to ask me about my giving practices at my church. The reality was I didn’t give at all.
In my frustration, I asked others in the group if they gave. I was surprised to learn that several of my friends did give, and quite liberally. My question to them was how did they afford it?
Ten percent or any version of that seemed outrageous to me. As I pressed this issue more with others in my group, I found out, to my surprise, that one of my friends in the group not only gave consistently, but he had already saved enough money to buy his first house with cash. He was 27 years old at the time, and none of the money came from his parents.
I thought, who buys a house with cash? Now I started asking a million questions. I thought I was pretty smart with finances, being Dutch and all, but in my own small group I had friends doing things I never thought of.
What did they do that I wasn’t doing? They had a monthly budget that began with saving, not spending.
Fast forward: I got married to my lovely wife, Lauren, and we began using the advice I learned to help run a financially sound household. I was so excited about the results that I’ve taken the opportunity to facilitate five Dave Ramsey* classes. Not surprisingly, one consistent challenge I hear in the class over and over is the same one I had. Most people place the savings and giving budgets last on their list, if at all, which dramatically impacts their financial lives, the ability to feel rich, and the ability to give. Dave Ramsey does a great job of demonstrating how to place those two categories at the top of the list and spend from what’s left over. We learned that when we did that, we always had plenty of money to enjoy life. We learned that we can be wealthy at any income as long as we spend less money than we make.
Most people place the savings and giving budgets last on their list, if at all, which dramatically impacts their financial lives, the ability to feel rich, and the ability to give.
Again, please don’t interpret this as an article on giving. It’s about learning to pay yourself before you spend. Imagine what life could be like if you always had excess income every month. For us it meant my wife and I paid our house off at age 30. We have nice cars, but they are used cars and we paid them off with cash on day one. We travel, but we travel with cash we have saved up. We do fun things, but never on credit. Honestly, we are just loving life, our version of life, within the income God trusts us with. Even when we face a hurdle, we feel financially prepared to take it on.
Dave Ramsey says if you live like no one else (aka save), you can live and give like no one else. It sure is true. Even though this article is not about giving (that falls under your own walk with God), Lauren and I found that if you save and plan, giving becomes easy. God asks us to trust Him in this area and see if we aren’t rewarded many times over. We may not all be rewarded in the same manner, but since giving became a regular part of our lives, we’ve felt richer than we ever imagined.
I think giving changes your heart, and all relationships – even business relationships – improve when people have a giving heart.
Jesus told his followers, “For where your treasure is, there your heart will be also” (Matthew 6:21). In modern lingo we would say, “Where you spend your money is where you will spend your time.”
If you spend your money buying things with credit, you’ll spend time working and paying for things that eventually become outdated or end up in garage sales. Instead, spend money on others and watch your life grow. Consider this: How can you give or live rich if saving isn’t the first thing you do with each paycheck? That is how you turn your financial budget upside down.
Have a fruitful, rich life!
About the Author
Stuart Steenhoeck is a member of Journey Church of the Open Bible in Urbandale, Iowa. Having spent fourteen years in sales, he hails from Pella, Iowa, is authentically Dutch, and loves golf and the outdoors. Stu and his beautiful wife, Lauren, are the proud parents of three children, two sons and one daughter.
On the fifth day of creation, our wonderful God showed himself in a brand new way. He began to create the living creatures that walk among us. This expression of His creation has shown itself throughout history; from Noah’s dove, to Balaam’s donkey, to Jonah’s whale and Daniel’s lions, God has continued to use animals in His grand plan and purpose.
We can still use these animals as a metaphor for God’s love and guidance. One notable example comes from Bob Sjogren’s book Cat and Dog Theology: “A dog says, ‘You pet me, you feed me, you shelter me, you love me, you must be God.’ A cat says, ‘You pet me, you feed me, you shelter me, you love me, I must be God.’”
As true as this may be, something wonderful happens when the molds break.
[God] certainly doesn’t want to drag us from one destination to the next. He would rather we follow Him willingly, eager to remain in His presence.
In our family, we recently experienced an interesting phenomenon when it came to our pets. To understand the story better, you need to understand our animals. Ralphie is our young, spirited Maltipoo. He has never met a stranger he didn’t love. He is sweet, loyal and in many ways the ideal companion.
Then we have our chihuahua, Sally. We found Sally roaming our neighborhood in 2014 with no tags and no microchip. She had obviously been mistreated, and when I took her to the vet, they found so many things wrong with her that I was advised, “Don’t be in a huge hurry to find her owner.”
We cleaned Sally up, and two weeks later she was legally ours. While she is affectionate to us and our kids, to this day, if I lift my hand to give her a pat on the head, she winces as if I am going to hit her (something I have never done and never intend to do).
Ralphie and Sally’s unique natures show themselves on our nightly walk around the neighborhood.
Ralphie tries his hardest to pull on the leash and run ahead. He so desperately wants to lead whoever is holding the leash that he nearly chokes himself on his collar. (We’ve had to switch to a harness.) He is unaware that he is only eight pounds, and his actions make little to no difference in the direction we are going.
Sally, however, must be practically dragged throughout the walk. She is timid and afraid to take a step that she isn’t sure is safe.
It’s quite a sight to have such different dogs reacting to the same thing.
Witnessing this phenomenon gave me pause, and I couldn’t help but think what a picture this is for the diverse ways we respond to the Holy Spirit’s leading in our lives.
So many people are like Ralphie. They try to tell God where they want to go without any regard to His guidance. They would rather choke themselves on their own will than listen to what He has to say. Others are like Sally and struggle to fully trust the Lord. For them to move, the Holy Spirit must practically drag them to the next place.
It sounds like a simple premise, but so many followers of God fall into these two opposite extremes. People miss their destinies when they act like Ralphie and Sally.
But there is another pet in our household whom I have not told you about. His name is Caesar, and he is an old, wise cat. We got Caesar the year we were married, and he lived up to his noble name every chance he got. Years ago, on our nightly walks with the dogs, Caesar began doing something amazing.
By his own free will, he would simply follow us on our walks. No need for a leash. No need for us to coax him. He just followed our gentle guidance every night for the mere purpose of being with us. Every now and then we would have to call his name, but he was always nearby.
I believe that in a world full of Ralphies and Sallys, God would rather we be like Caesar. The Lord doesn’t want us to tell Him where we are going rather than let Him lead, and He certainly doesn’t want to drag us from one destination to the next. He would rather we follow Him willingly, eager to remain in His presence.
In Matthew 8:18-22, two men express a desire to follow Jesus. The first is overly eager, not knowing what he is getting himself into. Jesus gives him a stern warning, explaining that he doesn’t know what he’s asking. The second man hesitates and says he needs to bury his father first. We never learn the fate of either man, but I hope they both abandoned their natural tendencies and learned to faithfully follow.
Whether you struggle with being too aggressive on your journey with God or whether you’re entirely too scared to take another step, I believe we can all grow in learning to be led
After sixteen years of being our cat, Caesar died peacefully this past March, but not before we had gotten a kitten named CJ. CJ is full of life and extremely playful. She was always so intrigued by our old friend Caesar that she started following him everywhere he went, even if it meant a walk around our neighborhood.
Caesar indirectly made a disciple with our young kitten, who now follows us on our walks every night. Despite how aggressive Ralphie wants to be or how timid Sally is, we now have CJ, just following along wherever we go.
Whether you struggle with being too aggressive on your journey with God or whether you’re entirely too scared to take another step, I believe we can all grow in learning to be led. If we will stay close to Jesus, we cannot help but fulfill His destiny for our lives.
About the Author
Bill Francavilla
Bill Francavilla is the lead pastor at Living Hope, an Open Bible church in Williamsburg, Virginia. Having lived in Virginia nearly his entire life, he attended Lynchburg College, where he studied history and theater. In 2017 Bill received his master’s degree in theological studies from Liberty University. He has been active in missions to Mexico, Dominican Republic, and Cuba. He and his wife, Jessica, have four children: Alex, Liam, Rita Grace, and Gino.
I am Shane Blackledge, and my wife Amber and I are the founding pastors of Cultivate Church in St. Louis, Missouri. My story is one of transformation and God’s grace, showing how He can use anyone to build His kingdom.
I was born in Colorado at the Air Force Academy Hospital. My father served in the Vietnam War, and while stationed in Taiwan, he met my mother and they got married. When I was six, my parents separated, and my mother moved back to Taiwan, leaving me devastated. As a kid, I faced racism and extreme poverty. I battled depression, anxiety, and thoughts of suicide. I started smoking and drinking at eight years old, joined a gang at age thirteen, and was using meth daily by the time I was fourteen.
At age seventeen, I was arrested and sentenced to thirty years in prison for selling drugs. I found myself in my jail cell wanting to end it all. On my night stand I found a Gideon Bible, and I opened it right to John 3:16. As I sat there reading, I realized I was a sinner, but that God created me and I had a purpose to live. I repented and asked Jesus to forgive me. I felt the Father’s love and the presence of the Holy Spirit in an indescribable way.
After my release, I struggled transitioning back into society (finding a job, paying rent, and finding a church that would accept me). I was discouraged and soon relapsed on meth. During the years of my addiction, I was sent to five prisons and was incarcerated for over six years. In 2006, after nearly dying from an overdose, I woke up from a coma and realized God had saved me from death. That day I fully surrendered to Christ, and that’s when my real transformation began.
In 2006, after nearly dying from an overdose, I woke up from a coma and realized God had saved me from death
God restored what addiction had taken from me. I have now been clean from meth for seventeen years. In 2013, I married Amber. We started attending Waverly Life Church, served as youth leaders, and eventually started a Celebrate Recovery program. In 2022, God called us to plant Cultivate Church in St. Louis, Missouri. We resigned from all ministries and jobs and sold our home. In April of 2023, we started house church gatherings which quickly grew in Christ and numbers. We launched our first Sunday gathering in October of 2023.
Today, we are a church without walls, modeled after the early church in Acts. We have regular church gatherings geared towards discipleship, street ministry, addiction recovery, Christian hip-hop events, prison ministry, and nursing home visits. We work with local treatment centers and recovery programs to support and mentor people. We have partnered with churches and ministries to organize monthly inner-city mission trips.
One way God has used my story is with my podcast: “Kingdom Minded,” which streams into 1000 prisons across the country on over one million inmate tablets. In partnership with the Edovo learning app, the podcast focuses on sharing testimonies and teaching Biblical principles.
Looking back, I am amazed at what God has done. In just a year our church has grown from a small group in our living room to a thriving community, passionate about sharing God’s love. Amber and I are excited about the future. We believe God is just getting started with Cultivate Church.
He can use anyone, even a former addict and convict like me, to build His kingdom.
My story and the story of Cultivate Church are really about God’s faithfulness. He can use anyone, even a former addict and convict like me, to build His kingdom. All the glory goes to Him.
To donate toward our prison ministry and homeless outreach, visit wearecultivatechurch.org or check out our Blessing Bags Gift Registry at HERE.
About the Author
Shane R. Blackledge
Shane R. Blackledge is the co-founder and senior pastor of Cultivate Church. He and his wife Amber started Cultivate Church in their home in 2023. Today, the church is known for spreading the Gospel and being the church without walls. Shane’s podcast, “Kingdom Minded,” is available in over 1000 prisons on inmate tablets on the Edovo Learning App. Through testimonies and Bible principles, the podcast aims to teach, inspire, and equip Christians to live their best life now. Shane is an author and speaker, and his books From Prison to Purpose and Overcoming Codependency are available on Amazon. Shane and Amber have four children and live in St. Louis, Missouri.
When my husband and I married in July of 2019, it was with a firm understanding of our shared life goals and dreams, and kids were a big part of our plans. In our minds we would have our biological children first, and then when we were ready, we would pursue adoption. But the Lord always has a better plan than ours, doesn’t He?
After we had been married for two years and still had not conceived, we discovered that I was having fertility issues. I saw multiple doctors and was prescribed several medications to help with conception. During this time, I remember telling my husband it felt like we were living in “limbo,” not getting anywhere closer to having a family. Because of our powerful desire to start a family soon, we decided to divert from our original plan and become foster parents.
“Had I conceived when I wanted to…we never would have met Noah and Leif, our precious sons.”
After an entire summer of preparation, our license went active, and we took a couple of short-term placements. These were our first experiences as parents and had us seriously questioning our parenting abilities! But in December of 2022 we got a call about a four-month-old boy named Noah. Noah was in the ICU with significant health concerns. We weren’t given any idea how long he would stay with us or what his life would look like, and we were scared to commit to taking on a placement that held so much uncertainty. After visiting sweet Noah in the hospital and spending considerable time talking and praying about it, we decided we wanted to take this baby and give him a loving, nurturing home — something he had not yet experienced in his short life.
Noah joined our family on December 16, 2022, and immediately, I became remarkably busy caring for him and taking him to all his appointments. We were so busy, in fact, that thinking of my own fertility was put on the back burner; it just wasn’t my priority anymore.
On January 18, 2023, after a routine follow-up for Noah at Blank Children’s Hospital, we got a call from a surgeon informing us that Noah’s brain was bleeding and we needed to rush him to the hospital for emergency brain surgery. The surgery was successful, and I stayed with Noah during his recovery in Iowa City, two hours from our hometown. We were finally discharged and returned home on January 22. During my time in the hospital with Noah, I did not have any of my fertility medications or supplements (but like I said, I wasn’t focusing on that so much anymore).
So many children have endured brokenness and trauma, and they need to be loved. If we as the church do not show them the Father’s love, who will?
Little did I know that the Lord had everything perfectly planned. On February 2, just eleven days after our hospital discharge, I found out I was pregnant. We were overjoyed!
But God wasn’t done surprising us. A few short weeks after discovering my pregnancy, we received word that Noah’s biological mother was pregnant as well, due to have a baby boy in a few months. We knew immediately that if this baby also needed to be placed in foster care, we wanted him to be with his brother, so we told our social worker we would care for him. Noah’s baby brother Leif was born in May, and just five months later, our son, Sven, was born in October. Overall, when we brought Sven home from the hospital, we had Noah (fifteen months), Leif (five months), and Sven (newborn).
In December of 2023, we were able to officially adopt Noah and Leif, ending their days of foster care and guaranteeing them a safe, loving family for a lifetime. It has been a crazy and chaotic year, but I would not trade it for the world. At the time of this writing, their ages are twenty months, ten months, and six months. Our days are filled with exploring new things and reaching new milestones, and our home is brimming with baby gear (think three car seats, three highchairs, a triple stroller…you get the picture).
I honestly believe God planned our entire story. I couldn’t see it at the time of infertility, but had I conceived when I wanted to, we never would have entered foster care, and we never would have met Noah and Leif, our precious sons. Going through this experience has given me so much assurance that God’s timing is always perfect.
If you are in the midst of infertility, I know it can be hard to hear “God has a plan!” But as someone who has seen His perfect plan come to fruition, I encourage you to go to God in prayer. Tell Him your desires, your frustrations, and your hurts, but also consider asking God what He wants from you in this season of waiting. Maybe He has called you to foster, adopt, or minister to the next generation through your church ministries.
Perhaps you haven’t experienced the struggle of infertility, but you do have a heart for the next generation. How might God use you to help disciple and love on kids around you? So many children have endured brokenness and trauma, and they need to be loved. If we as the church do not show them the Father’s love, who will?
About the Author
Natalie Larson
Natalie Larson has been a registered nurse at MercyOne in Des Moines, Iowa, for eleven years, working in both pediatrics and surgery. Her primary role now, however, is being mama to her three active sons. Free time has been hard to come by recently, but when Natalie finds a few moments of it, she enjoys baking, reading, and crocheting. Natalie and her husband, Alex, can be found at Journey Church in Urbandale, Iowa, on any given Sunday, where their boys are some of the most popular congregants.
