Archives For consumerism

My friend who just finished seminary accepted a pastoral position at a church in Hawaii. (Talk about suffering for Jesus, right?) In moving there, the church will be paying to ship his truck there, so that he has a car while on the island. As any typical graduate student does throughout the course of their studies, he collected lots of stuff – mostly books, but also furniture, clothes, etc. While shipping his truck to Hawaii may sound like an easy way to take most of his possessions with him, it’s actually quite the opposite. He is only allowed to keep items in the truck that are bolted down. That means even his face plate for his after-market CD player has to come out.

Ultimately this means that he is getting rid of stuff. He just recently told me how he got rid of 3 boxes worth of books, in addition to lots of other clothes, etc. I started to think about how much stuff my wife and I have collected in the 3 years that we have been married. While we live in a 1 bedroom apartment, I can hardly believe how much stuff we have. How did this happen?!

Are Material Possessions Bad?

We often hear about consumerism or worldly possessions and how bad it is for us. I believe much of this conversation stems from a very basic truth:

You can’t take it with you!

This is the idea that when you die, all the stuff that you have collected over your life means absolutely nothing. Yes, that’s right, those baseball cards, your lucky underwear, your stainless steel appliances – it doesn’t mean anything when you pass.

Yet, this basic truth is often exaggerated…

Worldly possessions are bad. They are evil. Material possessions are false idols.

Or, my personal favorite:

Material possessions hurt your relationship with God.

Since when is a relationship with God and having stuff mutually exclusive? I guess I should be clear. I’m not talking about the level of the “Hoarders” T.V. show(s). I suspect that we all know that hoarding is a serious social illness of some sort (or at least that’s my suspicion without watching the show much). Instead, I am talking about the average person. Isn’t it possible that possessions are not all bad? Or even better, couldn’t it help us in our relationship with God?

Why Possessions Can Help our Faith

I ask this question of whether the stuff in our lives can be a good thing because of two reasons. I often like to tackle the common assumptions of the Christian faith, especially as it relates to finances. This is one of the reasons that I look at tithing differently than other Christian finances authors. The second reason that I ask this question is because of a significant change recently.

My wife and I recently invested in a portable dishwasher. There, I said it! Well, that may not sound like much, but if you know me, it is huge! I absolutely hate doing dishes. Because we are renting, our unit does not have a dishwasher. In our 3 years of married life, we have never had one. This means that we spend, at minimum 3 hours a week doing dishes. My wife’s in-laws were coming into town and I had two days of dishes piled up (prior to getting our dishwasher). I had to do all the dishes at once and it took me 2 hours! Wowzer!

As a result of buying our new dishwasher, things have drastically improved. It literally takes minutes instead of hours each week. I told my wife that it was the best investment ever! That’s how much our dishwasher means to us.

Does this mean that I am too reliant on this material item? Am I ruining my relationship with God because I enjoy the luxury of some of my STUFF?

I think it would be hard to find someone that would answer, “yes” to these questions. I think it is especially relevant when you consider the time saved. I have more time to spend on whatever I choose. Whether this is volunteering, praying, reading, etc. I believe this is a great example that material stuff cannot be equated with evilness. Stuff is not inherently bad.

A Proper Balance

I believe understanding that our possessions are not bad in and of themselves, but instead how we use them is very important. Understanding that we can utilize our STUFF to be a greater service to our community is an important thing. Yet, it doesn’t mean you should buy as many items as possible to free up more free time. There needs to be some balance.

There needs to be a balance between spending without concern for others and avoiding items all-together because of the belief that they are inherently bad. I can’t say where people should draw the line, but I believe it should be somewhere in the middle. One needs to consider the motives for buying stuff before anything.

Are you buying that because it will make you feel good? Do you absolutely NEED to have it? Why are you buying it?

These are all important questions to answer when thinking about how much stuff you have. When you consider that in addition to the great need in this world, you are on the right track.

Readers, where do you think is the balance? Should people sell all their possessions? 

Christianity, by tradition, has long affirmed the recognition of seven deadly sins. For those unfamiliar with them or the Christian tradition, they (as listed on wikipedia) are wrath, greed, sloth, pride, lust, envy, and gluttony. These seven deadly sins are considered unhealthy vices. Christian history has used these speculate what a healthy lifestyle would look like. Basically, take all of these things – make sure you don’t do any of them – and you are set.

While it may not be this simple, it is essentially the point. The truth is though, that the seven deadly sins is often ignored or forgotten. Despite learning about them from the financially successful Hollywood film ‘Seven’ by Andrew Walker, starring both Brad Pitt and Morgan Freeman, I would wager a bet that most people in my generation have not learned of the seven deadly sins. In fact, even as a Seminary student (who also grew up in a Christian family), I had to look up the seven. I new a few of them from memory, but there is no way I could name them all.

As a result of which, I thought it would be interesting to use the seven deadly sins as a structure for a financial article. What might these teach us about smart financial management and how might our lives be different if we did or did not follow them.

1. Wrath: Wrath  is often used in the Christian tradition to refer to God’s anger. This the essence of what this deadly sin refers to. Falling victim to excessive amounts of anger can do terrible things for one’s financial state. Making decisions based on anger can lead one to ignore all signs of wisdom or advice. It is always important to try and reflect on your financial state with a sound mind.

2. Greed: Greed is the strong desire for wealth, money, goods, etc beyond a healthy limit. If you are interested in reading more about greed, be sure to check out my article What is Greed? Greed can also cause all sorts of unbalance with your finances. It can cause you to be disconnected from your family or gamble away your money. It’s always important to balance your desire for more wealth with things that truly matter.

3. Sloth: Other than the movie film’s character Sid the sloth from Ice Age, the word sloth is not often used in popular conversations. This may make it hard to understand, but refers (in this case) to apathy. Apathy or sloth can cause a huge financial disaster. Not caring about monitoring your finances or even budgeting can lead to financial ruin. Before you know it, you can overspend and find yourself wondering how you are going to pay off debt. Financial management is an on-going activity that requires action and attention.

4. Pride: I am sure everyone has felt proud of an accomplishment. There are certain degrees of pride that are healthy – such as celebrating an achievement. However, there are also forms of pride that take control of your life. Before you know it, you can feel unstoppable and take risks that are unnecessary and unprecedented. It’s always important to critically question your actions when managing your finances. Can I afford to take this risk? Would I lose to much? Is my reasoning for doing so justified? These are all important questions to ask.

5. Lust: Lust, the cheap version of love, is often understood as some sort of sexual fantasy. While it doesn’t have to be limited to this definition, even this understanding helps us understand something about finances. Ignoring lust teaches us to place value on something long-term – something more than just an momentary feeling of satisfaction. The inherent message of resisting temptation and holding on to previous commitments also parallels advice given for retirement – that is, buy and hold. Thinking long-term for financial investments is a great strategy.

6. Envy: When was the last time you were envious of your neighbors new car or nicer house? Is is this effort to keep up with the Joneses that puts a lot of American families in consumer debt. Envy, or wanting to have what other people have, can lead to unnecessary spending. Take extra care not to place value in possessions – for you will never be satisfied and always wanting more.

7. Gluttony: Gluttony or the over-indulgence is a theme that I think Americans know all too well. Traditionally, Americans are known for their big houses, big cars, and many possessions. It’s unfortunate but true to a certain degree. I know that I personally have realized how much stuff I can accumulate over time. It is a struggle at times not to satisfy that urge to buy more or even eat more, but it is a healthy practice to avoid doing so. This reminds you that giving should be an important aspect of your life as well as keeps you from completely buying into the consumerism myth that possessions will make you happy.

I didn’t realize it when I started writing this post, but it’s remarkable how well the old, Christian traditions still speak to the experience of contemporary American culture. Managing your finances is never black and white, but full of shades of gray. It means weighing options and deciding which is the best one. Hopefully these deadly sins will give you an idea of what not to do.