Recently Chris and I started meeting with financial advisers and decided we really need to try to refinance our home. Part of that process required us to write a financial hardship letter. I must admit, it seemed a bit dramatic to lay out our situation in that way; we are blessed beyond measure and richer than so many people around the world – and yet, this is our story and recreating it for this process brought back a lot of painful memories.
Life was looking good in the fall of 2004 when we purchased our home on the north side of town. Chris was a senior vice president at the credit union and they were in the midst of converting to a bank which would bring stock options and additional pay. I was a year into my new career as a law office administrator and felt that this was a great fit for me and showed potential for increase in income as time went along. We had our boys at a private Christian school in large part because the schools in the district we were living in were not where we wanted them to start their academic lives. When we came across town to visit some friends we happened upon an open house and we fell in love with the neighborhood and the schools and felt certain we could afford the upgrade. If nothing in our lives had changed – we would have been exactly right. However, in January of 2009, amidst the financial recession and bank collapses around the country, Chris lost his job. I remember naively thinking that the six months severance would be great because he would find a job quickly and then we could put the severance towards something else. That’s pretty funny to me now. Not only did we use that up to continue to pay the bills during that time, we had to get unemployment and tap into our retirement money. Chris didn’t find a job for nine months and when he did, the job paid about a fourth of what he had been making. About a year later – he lost that job. We looked around us at people we knew and people on the news and we found some comfort knowing we were not alone, Chris had not done anything wrong to create this situation, and yet those facts didn’t change the truth of our reality and our need to figure out a plan.
In February of 2009, the month after losing his job at the credit union, Chris decided to take a look at the big picture of his life and consider seriously what he would do if he could start over again. He enrolled in a nine month, every week night, police academy in a neighboring town. This meant that for those nine months we wouldn’t see one another except on the weekends! (For more on that see post called One year ago…) It was so tough on us and was such a test of our resolve and our sanity! Chris thrived in that environment – he was the class President and received the very prestigious Dale Green award at graduation. He had found a place where he really could make a difference and now he just needed for someone to hire him! Unfortunately, there were hiring freezes all over town and it wasn’t until August of 2011 that Chris was hired full-time by the Leon County Sheriff’s office.
So now here we are a little over a year later and we still aren’t back to where we started (hence the need to refinance), but maybe that was God’s whole point in this. He didn’t want us to be where we were, he wanted us to be better. He didn’t want us to coast along with no real sympathy or understanding of the stress and fear many of our friends, and certainly many around the country, are dealing with. Maybe God didn’t like the direction our lives were taking, maybe (as I believe is always the case) he has much bigger things in mind for us! I keep praying for the ultimate resolve – the one that allows a human to rest in the peace that “God’s got this”. Honestly, I haven’t found it yet – I want to do the monthly budget and find that we have something left over, I want to buy my boys fun new things and I want to go on vacations more – but those are really just wants. I truly do have everything I need. I will continue to pray for that to be enough. God’s got this!!!




















