George Muller on Stewardship

"The child of God has been bought with the precious blood of the Lord Jesus. All that he possesses—his bodily strength, his mental strength, his ability of every kind, his trade or business, and his property—all belong to God. It is written, "Ye are not your own. For ye are bought with a price" (1 Corinthians 6:19-20).

The proceeds of our calling are not our own in the sense of having freedom to spend them on the gratification of our pride or our love of pleasure. We have to stand before our Lord and Master as His stewards to seek His will concerning how He will have us use the proceeds of our calling."

p193, The Autobiography of George Muller

Verses quoted in his book, p194-5:

"The point is this: whoever sows sparingly will also reap sparingly, and whoever sows bountifully will also reap bountifully."
2 Cor 9:6

"One gives freely, yet grows all the richer; another withholds what he should give, and only suffers want. Whoever brings blessing will be enriched, and one who waters will himself be watered."
Proverbs 11:24-25

"Give, and it will be given to you. Good measure, pressed down, shaken together, running over, will be put into your lap. For with the measure you use it will be measured back to you."
Luke 6:38

Reading Up On Heaven

Reading Randy Alcorn's book on Heaven has been really interesting and insightful. You can start out slightly worried that you're becoming 'too spiritually minded to be of any earthly good' - a mildly perplexing phrase you hear bounced around the place; which I'm pretty sure is just plain wrong. The more I think about that phrase the more I am convinced the opposite is true. One can be too earthly minded to be of any spiritual good. That, I think, is by far the greater danger.

The more I think and learn about Heaven, the more I want to prepare for it. The more I contemplate how awesome the New Earth is going to be, the more willing I feel to lose my life in this one. Most of us are more than willing to endure a bit of pain and hardship if in the end there is a massive reward. What if the reward was far bigger and more amazing than you ever imagined? What if this life was, in reality, unbelievable short compared to the bigger picture?

Jesus taught us to lay up treasure in Heaven. He is into health and wealth, life, joy, peace and happiness... and many other good things we long for. He's just into the eternal sort. Everything in this life comes with a sell-by date and eventually withers away.

––––––

"Christian, meditate on heaven, it will help thee to press on, and forget the toil of the way. This vale of tears is but the pathway to the better country: this world of woe is but the stepping-stone to a world of bliss. And, after death, what cometh? What wonder-world will open upon our astonished sight?"

Charles Spurgeon.

––––––

"The man who is about to set sail for Australia or New Zealand as a settler, is naturally anxious to know something about his future home, its climate, its employment, its inhabitants, its ways, its customs. All these are subjects of deep interest to him. You are leaving the land of your nativity, you are going to spend the rest of your life in a new hemisphere. It would be strange indeed if you did not desire information about your new abode. Now surely, if we hope to dwell for ever in that "better country, even a heavenly one," we ought to seek all the knowledge we can get about it. Before we got to our eternal home we should try to become acquainted with it."

From Heaven by Randy Alcorn, page 5.
Original quote: J. C. Ryle, Heaven

Joyful Unconcern

"Therefore do not be anxious, saying, 'What shall we eat?' or 'What shall we drink?' or 'What shall we wear?' For the Gentiles seek after all these things, and your heavenly Father knows that you need them all. But seek first the kingdom of God and his righteousness, and all these things will be added to you."
Matthew 6:25-33

It's so easy to read this verse thinking "aha, if I seek first the kingdom, I'll have material provision and security." I must have read that verse so many times with that subtle thought process ticking away unnoticed. But then you realise there's a problem: your focus and heart is still set on material provision, not the kingdom of God.

Your 'seeking first the kingdom' is nothing more than a means to your true end, provision. So the kingdom of God is not first at all but second at best.

In an ironic sort of a way, if you're totally anxious about making ends meet, you actually need to just forget it. Forget it and worship God. Forget it and trust God. Be consumed with his gospel and count yourself expendable for his purposes. Pursue him first and perhaps things will fall into perspective.

But by all means, get a budget and be debt free. You're more useful to God that way.

Richard Foster on the Discipline of Simplicity

From 'Celebration of Discipline':

"Simplicity is freedom. Duplicity is bondage. Simplicity brings joy and balance. Duplicity brings anxiety and fear. The preacher of Ecclesiasties observes that 'God made man simple; man's complex problems are of his own devising' (Eccles. 7:29)"
p99

"To attempt to arrange an outward life-style of simplicity without the inward reality leads to deadly legalism."
p100

Speaking of contemporary culture: "Because we lack a divine Centre our need for security has led us into an insane attachment to things ... We crave things we neither need nor enjoy ... We are made to feel ashamed to wear clothes or drive cars until they are worn out. The mass media have convinced us that to be out of step with fashion is to be out of step with reality. It is time we awaken to the fact that conformity to a sick society is to be sick."
p100-101

"if riches increase, set not your heart on them."
Psalm 62:10

Speaking of Jesus: "He saw the grip that wealth can have on a person. He knew that 'where your treasure is, there will your heart be also,' which is precisely why he commanded his followers: 'Do not lay up for yourselves treasures on earth' (Matt 6:21, 19)"
p103
—
I suppose there's quite a difference between generating a high income and laying up treasures. You could have a lot of resources, being rich in terms of your bank balance, and yet refuse to use that bank balance in acquiring many possessions. Instead, we use those funds for resourcing the Kingdom. I've never thought it was wrong to be rich, but yet there is a very direct command not to lay up for ourselves treasure on earth. 'Set not your heart on them'. When you hear Christians that are very rich, but live a modest life and give really generously, it's incredibly powerful. They've adopted a level of discipline, self-control and love for Christ that is very evident in their outward behaviour.

"Sell your possessions, and give alms; provide yourselves with purses that do not grow old, with a treasure in the heavens that does not fail"
Luke 12:33

"Take heed, and beware of all covetousness; for a man's life does not consist in the abundance of his possessions"
Luke 12:15

"He calls all who would follow him to a joyful life of carefree unconcern for possessions: 'Give to every one who begs from you; and of him who takes away your goods do not ask them again"
Luke 6:30

"Those who desire to be rich fall into temptation, into a snare, into many senseless and hurtful desires that plunge men into ruin and destruction"
1 Tim 6:9

"Keep your life free from the love of money, and be content with what you have; for he has said, "I will never fail you nor forsake you"
Hebrews 13:5

"Simplicity is the only thing that sufficiently reorients our lives so that possessions can be genuinely enjoyed without destroying us."
p105

"But seek first his kingdom and his righteousness, and all these things shall be yours as well."
Matt 6:25-33

"The central point for the Discipline of simplicity is to seek the kingdom of God and the righteousness of his kingdom first and then everything necessary will come in its proper order"
p106

"As Jesus made clear in our central passage, freedom from anxiety is one of the inward evidences of seeking first the kingdom of God. The inward reality of simplicity involves a life of joyful unconcern for possessions."
p107

Richard Foster on Fasting

"Some have exalted religious fasting beyond all Scripture and reason; and others have utterly disregarded it."
John Wesley

"Perhaps in our affluent society fasting involves a far larger sacrifice than the giving of money."
Celebration Of Discipline, Richard Foster, p66

"More than any other Discipline, fasting reveals the things that controls us. This is a wonderful benefit to the true disciple who longs to be transformed into the image of Christ. We cover up what is inside us with food and other good things, but in fasting these things surface. If pride controls us, it will be revealed almost immediately. David writes, 'I humbled my soul with fasting' (Ps. 69:10). Anger, bitterness, jealousy, strife, fear — if they are within us, they will surface during fasting."
Celebration Of Discipline, Richard Foster, p67

"Fasting helps us keep our balance in life. How easily we begin to allow nonessentials to take precedence in our lives. How quickly we crave things we do not need until we are enslaved by them ... Our human cravings and desires are like rivers that tend to overflow their banks; fasting helps keep them in proper channels. 'I pommel my body and subdue it,' says Paul (1 Cor. 9:27)."
Celebration Of Discipline, Richard Foster, p68

Just Wait

A little snippet of wisdom I heard recently that is most definitely laced with truth and applicable to many, many areas:

"Delayed gratification increases pleasure"

Life Group Talk: Giving

Here's a link to a PDF of a talk on giving that I recently did for my life group. It combines various re-written blog posts from this site and some new, original thoughts on the subject.

http://www.sa-design.co.uk/blog/Giving_Jan_2011.pdf

It also refers to this article titled "The Sandra Bullock Trade":

http://www.sa-design.co.uk/blog/Giving_Jan_2011_The_Sandra_Bullock_Trade.pdf

Enjoy!

Giving – A Theory

One thought that occurred to me the other day: It's easier to trust God with everything you have when you've got nothing to lose. Generosity and giving may never be easier than when you have very little.

As you gradually earn more and acquire possessions, all of a sudden there's a comfort level you've become accustomed to. There's now a height from which you can fall. It's harder to let go and trust it all to God. In addition, all the more expensive comforts and charms start to come within reach... if only you didn't give quite so much. Foreign holidays, a nice car, an awesome TV, a bigger house – they could all be yours.

In some ways your expendable cash is like the fat stores on your body. It's good to have a little in reserve for lean times. Too much is dangerous. Generous giving, in a sense, is almost like burning off the fat on your life.

Expendable (Part 2)

Following on from a previous note on being expendable for Christ (link) often, it's not our physical life that is required (i.e. martyrdom), but various little portions of our daily life. Finances, work, comfort, hobbies, fitness, luxuries, time... all of these need to be labeled 'expendable'. We give them up as and when required for the cause of Christ.

Expendable

I've just finished reading this book – Through Gates of Splendor – about five missionaries who set out to reach the savage Auca tribe in Ecuador. These guys gave themselves to a specific task, spent years in preparation, and then got massacred on pretty much their first point of contact with the tribe on the ground.

As far as the book details, no Auca ever became a Christian, or even had the gospel presented to them in an intelligible, meaningful way*. But thousands of Christians were struck by their sacrifice, commitment, and all out abandonment for Christ. Lives were changed and redirected through their testimony. And the story was big news in the secular press at the time (1950s).

So all in all, as far as it is visible to us at the present time, their life and mission bore much fruit. Just not in the way they had planned or envisioned.

Their story also stands out in direct contrast to that of Hudson-Taylor, John Wesley, and all the guys that spent long, fruitful, gifted lives working incredibly hard for the cause of Christ. It stands in contrast because they were very ordinary people, they were young and their story was so utterly short. And yet they were prayerfully led by God throughout it.

It seems this was His will, His way. Their sacrifice, their story, was one He permitted and intended.

It just makes you think – anything that we could accomplish or do with our lives is all in the hands of God. It's His story, not ours. He writes the script, and we're utterly expendable.

––––––

"Wherever you are, be all there. Live to the hilt every situation you believe to be the will of God."
Jim Elliot, p11

"He is no fool who gives what he cannot keep to gain what he cannot lose."
Jim Elliot, p173

"During the last war we were taught to recognize that, in order to obtain our objective, we had to be willing to be expendable ... This very afternoon thousands of soldiers are known by their serial numbers as men who are expendable ... We know there is only one answer to our country's demand that we share in the price of freedom. Yet, when the Lord Jesus asks us to pay the price for world evangelization, we often answer without a word. We cannot go. We say it costs too much."
Nate Saint, p53

"A call is nothing more nor less than obedience to the will of God, as God presses it home to the soul by whatever means He chooses."
Pete Fleming, p13

"The old life of chasing things that are of a temporal nature seemed absolutely insane."
Nate Saint, p62

––––––

* 7th August 2011: I've just read in Randy Alcorn's book Heaven that some Auca's (or at least one) did become Christians:

"Mincaye, the Auca Indian who speared Nate Saint, is now a follower of Jesus. When Mincaye was asked what he's going to do when he meets Nate Saint in Heaven, he replied, "I'm going to run and throw my arms around Nate Saint and thank him for bringing Jesus Christ to me and my people." He added that Nate Saint would welcome him home."

Heaven, Randy Alcorn, page 336

Illusions and Giving

Randy Alcorn, in that little book, The Treasure Principle, says, "I’m convinced that the greatest deterrent to giving is this: the illusion that earth is our home" (p44).

Hudson Taylor on debt

It's so unbelievably easy to buy some immediate want or apparent need with a credit card or an overdraft. But in doing this we fail to realise the opportunity of prayer laid before us, an opportunity to listen to our Father and wait for His answer. We forget that all our money is His. And we deny Him headship over our finances, even in the small purchases. Slowly but surely you creep into the oppression of debt and find yourself in a place your Father never intended.

Perhaps many of our 'needs' are really 'wants'. A little bit of discipline and self-denial is good for the soul.

From the Biography of James Hudson Taylor:

"To me it seemed that the teaching of God's Word was unmistakably clear, 'Owe no man anything'. To borrow money implied, to my mind, a contradiction of Scripture –  a confession that God had withheld some good thing, and a determination to get for ourselves what He had not given. I could not think that God was poor, that He was short of resources, or unwilling to supply any want of whatever work was really His. It seemed to me that if there were lack of funds to carry on work, then to that degree, in that special development, or at that time, it could not be the work of God."
p198

    "They who trust Him wholly
     Find Him wholly true,
but also that when we fail to trust fully He still remains unchangingly faithful. He is wholly true whether we trust or not.'If we believe not, he abideth faithful; he cannot deny himself'. But oh, how we dishonour our Lord whenever we fail to trust Him, and what peace, blessing and triumph we lose in thus sinning against the Faithful One. May we never again presume in anything to doubt Him."
p199

"Owe no one anything, except to love each other, for the one who loves another has fulfilled the law."
Romans 13:8

"If we are faithless, he remains faithful — for he cannot deny himself."
2 Timothy 2:13

The disadvantage of wealth

"Then Jesus said to his disciples, "I tell you the truth, it is hard for a rich man to enter the kingdom of heaven. Again I tell you, it is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God."
Matthew 19:23-24

"Wealth is heavily concentrated in North America, Europe, and high income Asia-Pacific countries. People in these countries collectively hold almost 90% of total world wealth."
The World Distribution of Household Wealth

It seems that simply living in one of these rich countries automatically puts you at a massive disadvantage as far as the gospel is concerned. We are the rich people Jesus is talking about. We have insurance for everything and spend most of our lives accumulating various possessions, all of which comfort us in one way or another. It totally suffocates our need for God.

The New Testament is really big on considering the poor. I wonder if this is because on one hand, these people are in need, more open to the gospel, and a real opportunity is afforded to demonstrate the love of Jesus in action. And on the other, generosity strips us of all the things we trust in place of God, who wants to train us in His faithfulness.

I read a very interesting article from The New York Times website titled 'The Sandra Bullock Trade' (click here to read). One of the observations made from research is that once our basic material needs are met, very little additional happiness is gained by an increase in income. Food, water, shelter and a hospital when you get sick. That's what you need. Everything else pursued above this level is noise, and will never satisfy.

"But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that."
1 Timothy 6:6-8

Here's a selection of verses from the New Testament relating to the poor:

"Sell your possessions and give to the poor. Provide purses for yourselves that will not wear out, a treasure in heaven that will not be exhausted, where no thief comes near and no moth destroys. For where your treasure is, there your heart will be also."
Luke 12:33-34

"The man with two tunics should share with him who has none, and the one who has food should do the same."
Luke 3:11

"Give to the one who asks you, and do not turn away from the one who wants to borrow from you."
Matthew 5:42

"But woe to you who are rich, for you have already received your comfort."
Luke 6:24

"But if anyone has the world’s goods and sees his brother in need, yet closes his heart against him, how does God’s love abide in him?"
1 John 3:17

––––––

"When the Son of Man comes in his glory, and all the angels with him, then he will sit on his glorious throne. Before him will be gathered all the nations, and he will separate people one from another as a shepherd separates the sheep from the goats. And he will place the sheep on his right, but the goats on the left. Then the King will say to those on his right, 'Come, you who are blessed by my Father, inherit the kingdom prepared for you from the foundation of the world. For I was hungry and you gave me food, I was thirsty and you gave me drink, I was a stranger and you welcomed me, I was naked and you clothed me, I was sick and you visited me, I was in prison and you came to me.' Then the righteous will answer him, saying, 'Lord, when did we see you hungry and feed you, or thirsty and give you drink? And when did we see you a stranger and welcome you, or naked and clothe you? And when did we see you sick or in prison and visit you?' And the King will answer them, 'Truly, I say to you, as you did it to one of the least of these my brothers, you did it to me.'

"Then he will say to those on his left, 'Depart from me, you cursed, into the eternal fire prepared for the devil and his angels. For I was hungry and you gave me no food, I was thirsty and you gave me no drink, I was a stranger and you did not welcome me, naked and you did not clothe me, sick and in prison and you did not visit me.' Then they also will answer, saying, 'Lord, when did we see you hungry or thirsty or a stranger or naked or sick or in prison, and did not minister to you?' Then he will answer them, saying, 'Truly, I say to you, as you did not do it to one of the least of these, you did not do it to me.' And these will go away into eternal punishment, but the righteous into eternal life."

Matthew 25:31-46

On William Burns...

Below are a few quotes describing William Burns, an awesome man of God and an early companion and mentor to Hudson Taylor:

"He did not consider that he had a warrant to proceed in any sacred duty without a consciousness of that Divine presence. Without it, he could not speak even to a handful of little children in a Sunday School; with it he could stand unabashed before the mightiest and wisest in the land."

"Prayer was a natural to him as breathing, and the word of God as necessary as daily food."

"He enjoyed quietness and the luxury of having few things to take care of, and thought the happiest state on earth for a Christian was that he should have few wants."

"'If a man have Christ in his heart' he used to say, 'Heaven before his eyes, and only as much of temporal blessing as is just needful to carry him safely through life, then pain and sorrow have little to shoot at'."

Biography of James Hudson Taylor, p160.

Adversity, a less severe trial

An awesome Spurgeon quote:

"The Christian far oftener disgraces his profession in prosperity than in adversity. It is a dangerous thing to be prosperous. The crucible of adversity is a less severe trial to the Christian than the refining pot of prosperity."

If you don't have a budget, you won't have any money

Working on your accounts is like fine tuning an engine. If it's done well you can get an awful lot out of it. Life becomes much more satisfying and you have a real peace of mind about what you spend and what you give to God. When every penny is assigned as 'worship', suddenly, every day has a new sense of purpose behind it. A little bit of discipline can really free you up.

On the other hand, if you pay no attention to it, ignore it, bury your head in the sand; all sorts of problems develop. Your finances become wasteful and inefficient. Money is frittered away and you can easily accumulate debt. Your peace of mind goes out the window, your soul feels uneasy.

"A little sleep, a little slumber,
a little folding of the hands to rest-
and poverty will come on you like a bandit
and scarcity like an armed man."
Proverbs 24:33-34

I've heard a lot of sermons on why you should give, but very few on how to give. I thinks there's a general assumption, somewhere along the line, that people actually know how to budget. For years and years I didn't have a clue. It's one of those things that seems obvious when you know how. But if no one has taught you, you're lost at sea. You're stumbling around in the dark.

But one thing that is clear – when you work so hard to earn cash, surely wisdom should govern its distribution. Hard earned cash that is frittered away on things that don't matter is a life consumed with toil, debt and fruitlessness. Effectively managing your accounts is one of the most important elements of your life's work.

At my life group, I plan for us to share effective ideas on how we give to God and manage our accounts. In this, I'm making the assumption that we know why we should give and that we want to be a cheerful give. Here are some of my own techniques I've used in the past, and the ones my wife and I are currently using.


1) Account for every penny.

When I first decided to really tackle my accounts head-on, I decided to write down every penny I spent. To my horror I realised that in that very month I had spent over £300 on socialising and convenience foods. Going out to pubs, eating out, trips to the cinema, drinking Coca-Cola. It honestly didn't feel like I had spent that much. It 'felt' like I had spent about £100. It's easy to forget what you did last week. And it's incredible how expenses add up.

Question: If an accountant was to examine your finances, would he find that Jesus was a priority?

In a lack of discipline I would spend too much on clothes and CDs. And then in a lack of finances I would fail to give God anything. If you're budgeting for the first time, going through the last 6 months of bank statements can be a real eye-opener, and quite painful.


2) Develop a list of averages.

Keep all your receipts and tally up average amounts on a monthly basis. Over the course of a year you can work out average expenses for pretty much everything. Here's a list of what my current averages include:

– Church Giving
– Food
– Clothing
– Socialising
– Rent
– Car Insurance
– Car Maintenance
– Car Servicing
– Car Tax
– Home Insurance
– Home Expenses
– Dentist
– Glasses
– Gym
– Car & Bike Repayments
– Life Insurance
– Mobile Phone
– Sky
– TV license
– Card Protection
– Holidays & Special Events
– Weddings
– Stag Do's
– Haircuts / Beauty
– Presents
– General savings

Developing this list helps you learn exactly what you need to budget each month and pay into savings. In particular, you need to work out all the seemingly random and unexpected expenses (such as weddings and stag-do's). Otherwise, you get caught out.

In this, highlight all the items on the list that you would regard as 'worship' to God. Interestingly, most of the items are necessary in life (most, not all!). And a lot have a question mark over them. These are the open-ended ones, such as food, clothing, socialising, holidays, presents, phone tariff and type of vehicle. They can all be governed with wisdom and diligence, or they can be self indulgent and reckless. These will make or brake the bank.

"So whether you eat or drink or whatever you do,
do it all for the glory of God."
1 Corinthians 10:31


3) Determine the open-ended expenses.

– Food
– Clothing
– Convenience foods
– Socialising
– Presents
– Random purchases

These are the day-to-day expenses that can go off the scale if left unchecked. The most effective way that Lynsey and I have dealt with this is to have a weekly cash allowance. We worked out that we get £25 each per week, and out of that we have to cover all of the above. All birthday, Christmas, wedding presents, clothes etc come out of this. We have to save up in advance for lots of these.

We've found it to be a brilliant method as when the money in your wallet is gone, that's it for the week. You know you won't go over budget. And anything you buy, you know you can afford and you feel good!


4) Keep on top of it.

It only takes 30 minutes every week or so. Regular updates to your charts means you can remember what the expenditures on your bank statements relate to. Constantly updating your averages and budget keeps things in check. Apparently the very act of keeping accounts improves your spending, as you're mindful of your finances.


5) Find peace about your church giving.

It's not about 10%, it's about generosity. There's nothing in the New Testament about giving 10%. In reality, when you study the early church, they all appear to give much more than this. Old Testament tithing was effectively the Jewish taxation system, and was actually about 25% of their total income per year. The 10% figure is just a reference to the largest part.

"Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver."
2 Corinthians 9:7

Would you ever want a present off a friend who gave it reluctantly because they felt they had to? You would probably feel awkward, and wish they hadn't felt obliged. In stark contrast, how much would you love to get a gift from a friend who was really excited to give it to you, and couldn't wait to see the look on your face! You would love it.

I think each one of us has to find the right level of giving and the right heart that produces this excited attitude. In one sense, the cost has to be there. The gift has to be worth something to us to contain meaning; but not to the level that it breaks the bank and causes us to freak out.

What feels too low? What feels too high? I think you can home-in on a figure that your heart really feels at peace with, that makes your faith muscles stretch but not tear.

Any thoughts?

Proverbs 30:8-9

I really liked Oli Stevens' preach from 9th August "Rich Towards God'. One of his points was that storing up money can decensortise you to God, because you no longer need to rely on him. Like putting on a glove – it reduces your sense of touch.

Interesting that in the Lord's prayer it says 'give us our daily bread' i.e. give us just enough for today. As Proverbs 30:8-9 says:

Keep falsehood and lies far from me;
give me neither poverty nor riches,
but give me only my daily bread.

Otherwise, I may have too much and disown you
and say, 'Who is the LORD ?'
Or I may become poor and steal,
and so dishonor the name of my God.

Earn all you can; save all you can; give all you can.

John Wesley

The thing that makes this quote really punch out is that it has the weight of his whole life behind it. He believed it and live it. It wasn't just a throw-away comment.

I really like this quote. It's incredibly challenging, and it's awesome because when you put your money where your mouth is, it's a sign that you truly believe.

I guess my immediate reaction is one of reservation to the first point, 'earn all you can'. As a freelance designer, all the dangers spring to mind: 1. the temptation to over-charge clients. 2. working long hours, neglecting your wife 3. a lot of my design work is service to various churches. And in that you're starving one hand to feed the other.

Brilliant quote though.

The things you used to own, now they own you.

Chuck Palahniuk

The words of 1 Timothy 6 v8 really strike a chord with me: "if we have food and clothing, we will be content with that." Interesting that if you go into the original language used, by clothing it literally means 'one set of clothes'. The biblical standard for contentment is very very low. You should have something to eat, and a set of clothes to wear.

This quote in the Fight Club book by Chuck Palahniuk put an extra spin on it for me. And I think it's really true. The more junk you buy, the more baggage you're carrying. And most of these things (eg guitars, motorbikes, cars etc) are liabilities – they consistently taking money out of your account. There's got to be a great amount of freedom in not owning much. For one, if you want to go somewhere, you haven't got a lot to carry.