Deciding not to hope.

http://www.relevantmagazine.com/rtv/originals/where-your-hope-lies

 

The above is a link to a video that goes along to an audio of words on the subject of hope. What the speaker says makes some sense, but it also brought a couple of other thoughts to mind. One thought was the memory of once asking God to take away my hope…and this lead to the second thought: that people decide not to hope when they are certain they know their future. See, the reason I asked God to take away my hope years ago was because I believed that hope brought me nothing but discontentment. In that moment of asking I felt that I knew exactly what my future held, and that hope was just the presence of naive dreams.

Then God took away my hope. Instead of feeling relief at His answer to my petition, I felt even more discontentment. (It’s a really weird circumstance to describe and I’m not sure I can do so accurately, but I’ll try.) I couldn’t believe that how I had decided my life would go (outside of ‘naive dreams’) was such a devastating let down. I did not have hope and because I didn’t have it there was no reason to dream. There was no reason to want more out of life, or to try and do more for others, I had decided my life would never amount to more than a narrow box-like a tunnel with no light except the distant eternity I knew I was promised.

Needless to say, I asked God to give me hope again. Since then I have discovered that hope in itself is a promise from and fulfilled by God. I have also learned something about those naive dreams (and I continue to learn…hashtag just keep growing ;) ). The dreams weren’t necessarily naive, in fact they were very realistic (though the majority of them have yet to come true…), but they were still narrow, sort of like that hopeless tunnel. God has shown me that even my dreams can limit the power I give Him in my life. His dreams for me, and for you too, are so much greater and more detailed, good, and lovely than our own dreams.

All this is to say, I guess, that we shouldn’t limit God with our hope and with our dreams or with deciding not to hope at all. The intricacies of His plans are playing out in life right now. As the speaker in the video said, we need only to trust Him and surrender our hopes and dreams to Him. Not that we don’t have them, but that we acknowledge that they are in His hands. Much easier said than done, but surrender is a daily and even momentary decision. It takes work. I also want to note that dreams take hard work, and even though we surrender the outcomes and current circumstances to God, we should do our absolute best at the work we put our hands to. The rest is in God’s hands. We should always remember that we don’t have it all figured out, and there’s no way we ever will.

“For in hope we have been saved, but hope that is seen is not hope; for who hopes for what he already sees? But if we hope for what we do not see, with perseverance we wait eagerly for it.” Romans 8:24-25 (NASB)

Hope?

I don’t know about you guys, but I kind of have this thing where my life doesn’t turn out anything like I planned. Let’s face it, I’m into accounting and finance, I’m a planner. I remember sitting down as a kid and writing down my goals, and everything that I could do to achieve those goals. I ended up achieving the ones I didn’t really dream about, and regretting the ones I did. I mean, regretting the fact that I never met them. They weren’t just goals, but they were…expectations. Things that at the time I guess I didn’t realize weren’t a given in everyone’s life.

I have faith that makes me who I am and I would hope affects every part of my life. Including my planning, and goal making. My dreaming. I know, as a woman of faith I should be surrendering to God and giving up my worries that the things I wanted long ago may not come around. The truth is, none of us know if those things will come around, or they could just be on a different schedule.

Also, who wouldn’t want that? To just completely trust all of your desires in the hands of an all-knowing God. I mean, we wouldn’t have to think or worry about anything, we would just live freely. The thing is this is God’s intention for us-to live without worry, in complete freedom. So how do we let go of what might be, or could maybe be, or possibly there’s a teeny chance that this could happen? How do we do that…and maintain our hope?

I think the obvious answer is that we put our hope in what is sure: the eternal. However I have to wonder, where is the fun in that? I guess the fun is that we get to live freely in this moment, without the worry of the what if’s. Is this moment enough for you? Any tips on making it enough?

I would like to add that I completely believe there are things that you can control and work hard for that can be all yours. My point of this blog is not to take away from that power that God as given us, but actually to ask, how do you keep hope for the things that you can’t control?

Peace and blessings to you as you reconcile your hopes and dreams with the reality life. I just realized this post seems really negative (also, it seems a little too honest for a blog post), but it is just a part of the journey to discovering the light-hearted life. :)

~Anna M

When I grow up…

I remember when I was a little kid, I had all kinds of plans for my future. It seems that children have this amazing ability to dream without inhibition. I was going to be anything from a hairdresser, to a teacher, to a famous country singer. Maybe I would do all of these at once, while also having a husband, and leading children.

As I grew older my dreams changed, but there was still this natural tendency to think of fantastic dreams. I went from being a hairdresser to owning my own salon/clothingstore/bakery. Can you imagine getting your haircut in a place that bakes muffins in the back? It might smell good, but probably doesn’t leave a great image (hair in a cupcake?). I also imagined things like producing music (ah, music) and owning a Christian retail store.

The point is, that kids (even teens) are not afraid to have big dreams. As I was finishing up my last two years of high school, I found the common denominator in all of my dreams: my own business. I asked my mom what classes were offered that might help me with this because I wanted to get a head start (which makes it ironic that I am now in my fifth year as and undergraduate, finishing a four year degree). This is where I met accounting, and very mistakenly thought it was for me. I think was amazed by how much it taught me about business. However, as I got into college I heard so much about what a big deal it was. Apparently (as I later found out) it was an extremely difficult field, which paid off a few years into the career. 

As stated in my previous posts, I have explored information about the opportunities that the study of accounting can give. I don’t know if it was the crazy intense course work, with knowledgeable yet poor (in ability) teachers that set me on the right path at my previous university, but I realized I had forgotten that common denominator I mentioned. It wasn’t exactly accounting that I loved (though if there was any love for it, my previous university destroyed it), but it was business! I had allowed the positive stigma of an accounting degree, and the pessimistic view of new businesses in our economy (and my small town) take my real dream out of view. That wasn’t fair to the little kid in me, or the nervous college grad.

So I had this revelation and returned to the the 4 year university I had started with. A business degree with an emphasis in accounting. Now this seems perfectly suited to me. Until I realized that I’m graduating in 7 months and have no idea (!) what kind of job I am going to get. All of the horror stories I had heard of business students starting out in entry level positions (that high school grads can get) came flooding back to me! In the same moment I thought of my enormous student debt that had resulted from well meaning, but horribly wrong university/concentration decisions.

So, to calm my precious and scattered nerves, I decided to do a job search for people with my degree.

It didn’t help.

Remember that important post about internships? Yeah, I should have taken my own advice. The general idea: ‘If you don’t have the degree, at least you might have some experience.’ No. Not me. So, what did I decide after I scrambled to maintain some sort of composure? 

If I have any hope of moving out and paying off my student debt, I need to get a master’s degree. Which is great, because you know, those are free…

Anywho, my point is to say, I messed up. I let go of my childhood dreams, and bought into this idea of this crazy intense career that had a big payoff. My advice to anyone beginning a college education:

  • get away from influences (the media, family, friends) and find out what you want to do with your life
  • write your dream down and keep it where you can see it, you will be reminded and keep focus
  • get your general education courses out of the way (i recommend a cheap, but well known junior college-you could finish these for free)! you won’t want to have to worry about theses pesky requirements while you are in your high level classes (or trying to graduate)
  • stop, pause. have your dreams changed? have you learned any new information about your field of study that makes you think it is not for you? consider this new information with who you are, what your values are, where you want to be, and who you want to help
  • honestly, take a break if you need to figure things out. do not aimlessly take classes and switch schools while trying to figure things out. maybe dabble with a few classes to see what you like, but do not risk your GPA or financial well being
  • finally, pick a school that has exactly what you need, and what you want in order to complete your degree. location is as important as you make it, but if you do go away have a way to come home for breaks (you will want it more than you think).

I am not saying my journey wasn’t worth it. In one of my first post I mentioned my great big dreams for a nonprofit organization for women. Everything that has lead up to the scared college graduate writing this, also lead up to her realizing that dream. My only hope is that I can help others realize their dreams, and maybe with a little less turmoil than I did (that’s another post, for another time).

Carefully consider what you want for your future, and do not waste money in the process. You have time to figure it out. You can always hit the books harder later to stay on course. From one almost college grad, who is very unsure about life after the books, don’t forget your childhood dreams. They make more sense than you think.

~Anna M.

The Next Step: Internships

If the word internship scares you, you are not alone. Every time I hear it my heart races a little bit, and I am pretty sure my blood pressure rises. Internships probably are not supposed to be this scary. In fact, they are here to help.

I have mentioned my accounting teacher before, and that is because he just seems to be full of stories this semester. One story he told my class about directly related to each and every accounting student. And no, it did not bring any relief to my fear of this word. He told us about one of his students that recently graduated. She was and A-B student, with a 3.8 GPA. He said she was a great student and really understood accounting. One day she called him up (in tears) and told him she had a horrible job that she hated…because she could not get hired at any of the accounting firms. My teacher attributed this to the fact that she had no real-world experience. She had not had an internship, and she did not do any networking while in school.

Not to completely terrify every introverted accounting student out there, but an internship and networking seem necessary. From my experience getting an internship can be a crazy process unless your school has a program that can help you out. One college I went to had this program that would send your resume to every business in the area that was looking for help from your field of study. A friend of mine got all kinds of experience from participating in this.

However, if your school does not offer that resource there are a couple things you can do. First, every school has a career services department. Get with them to make sure your resume is flawless. Then see what businesses in the area are looking for interns. The career services department should be able to help with that too. Also, remember to ask about dates and times when firms will be scouting on campus. If there is a college in a metropolitan area there are usually scouts there looking for interns.

Fun fact: according to this source up to 90% of interns get offered a full time job at their place of internship.

But Where Do I Start?

I have discussed a lot of different aspects of accounting: the different types, salaries, certificates, and directions you can go with a degree in accounting. Something I have not really mentioned is how to get started with your career. Let’s take it back to the beginning.

Different colleges offer different degrees. I have gone to a college that did not offer any degree in accounting, one that offered it as a business emphasis, and one that offered a complete accounting degree. The question you need to ask yourself is, “How far do I want to take accounting?” Do you want to go for the CPA or another certificate? Do you want to be a tax accountant? Or would you rather simply keep books for a business? Another good question is, where do you want accounting to take you? For example, do you one day want to start your own firm, or other type of business (accounting is very good for learning the ins-and-outs of business)? Would you like to someday be a CFO?

These questions will help you decide what kind of degree you should get. That degree will help to determine which school you should go to. It is important to note that many bachelor degree programs do not give you all of the credits and classes you need to sit for the CPA exam. This will be the case almost anywhere you go to school (some requirements vary by state). The CPA simply requires more work, but the amount of extra work also depends on the type of degree you get. If you get a business degree with an emphasis in accounting, you could have up to 30 additional hours of credits to complete after you graduate. However, this type of degree would be great if you wanted to keep books for a business or work in tax prep.

I have studied over this and it can be quite confusing. If you want more information about the CPA exam and the accounting profession in general the following site is a great resource: https://www.thiswaytocpa.com/.

Accountants Work for Gum?

One of my favorite TV commercials is the Trident Layers gum commercial where everyone gets paid in gum…except the guy at the end of the commercial. “No one ever pays me in gum.” Awe, poor guy. Of course, we know that would never fly in the real world. Our society depends on making money in order to survive. So sadly, no one gets to work for only gum. But an interesting question might be, “What is compensation like at nonprofit institutions?”

According to simplyhired.com the average annual salary for a nonprofit accountant is $42,000. In the nonprofit business world this salary is closest to that of a staff accountant which is $41, 000 according to simplyhired.com. But it is $6000 less than the average accountant working for a for profit firm.  You can view those statistics and more information on current accounting salaries here.

These statistics are not really surprising. Hopefully the majority of the funds of a nonprofit are going to helping people. If you are getting into accounting for the paycheck, then nonprofit accounting may be slightly disappointing. For me accounting is simply something that I love to do, and I would like to be involved in a ministry. If I was able to be an accountant and work for a nonprofit institution that shares my values I would love it. It would be peaceful finding something that is so well fitting.

It can be hard to combine such a worldly occupation with something like ministry, but if that is what you are looking for too nonprofit accounting may be for you. As you have seen here, you could live that dream and be able to make a living.

To Accrue, or Not to Accrue?

In my blog post Dream Big I wrote about my greatest dream which is to open and run a house for young women coming out of troubled times. This business would be operated as program that helps them overcome obstacles and become self-sufficient. It would also be a ministry, giving them hope that no matter where they come from they have a great future ahead of them. Most ministries are operated as non-profits and that is exactly how I want this to be.

For my accounting class we are required to do a financial statement analysis of two nonreligious nonprofit businesses. My instructor would often come to class and discuss exactly what we should be looking for by showing us examples of nonprofit financial statements. To my disappointment (and I’m sure many of my classmates’) I learned that many ‘nonprofits’ actually had very high profits that they had accrued throughout the years. One of them was for a foundation that helped parents of transplant patients with expenses. The best question my professor asked was, “Do you think that they helped every child to get the transplant they needed, or at least helped with every transplant patient’s family expenses?” They obvious answer was no.

In my opinion this type of nonprofit should have funds constantly going out until they have exhausted every appropriate avenue for assisting transplant patients. After all that is their goal, is it not? Like this institution, The Red Cross had high accrued revenues. The difference in these two programs is that the second is a disaster relief program. They do not know when a disaster will arise and they have to have funds readily available when it inevitably does. So, The Red Cross seems to have a rational explanation for their accrued funds.

The goal of a nonprofit is to help people, to put others first. If I ever get to live out my ‘big’ dream, I hope I do not forget that.