For a big dose of self-disclosure, let me show you the path that Will and I have been on since our sweet wedding day on February 28, 2009 (yes, a mere year and four months ago).
We were married and then I joined Will up in NC, as he is a grad student at Southeastern Baptist Seminary. Thanks to the GENEROUS support of our parents, we had no debt from college and no car payments. The day we went to join our bank accounts I had $50 to contribute ("oops, thought it was more than that, honey".) He was a mailman that made $100 a week, and I had no job for almost THREE MONTHS! We were broke, living off gift cards and our savings account.
Finally, I got a part-time job making $7/hr..... and lost it 3 months later. Will took a job painting apartments all summer, and I got a new full-time job (my current job) in August. We tried to live off of just my income, practice frugality, and save everything that Will made as a painter.... and what do you know, a few months later, to our complete surprise, we had enough money to start an adoption. Who knew?.... not us!
Will is still in grad school, he works 2 part-time jobs and I have my full-time job (plus a little bit of money made from selling craft stuff). We are not living the high life, but we have not once lacked the resources to eat or have shelter. God has provided us with discipline to save, the magical start-up money from our savings this last year (that has already gone to pay for the first half of our adoption fees), and the community that is so supportive.
Now, can I look ahead at the $10,000 or so that we have left to pay, and tell you exactly where/how it will appear? No. But do I have faith that God WILL provide? Heck yes. He always has. He loves this baby even more than we do, and there are many days that we weep for him/her and ache to hold our baby and show it the love of a parent.
So, if you are considering adoption, go for it! Do what you can to save, live a financially disciplined life, and seek God's will for your family. Pray for wisdom and discernment on what you can cut back within your budget. Give generously to your church and to the needs around you, and trust that God will provide for you just the same.
God's calling is clear: "Religion that God our Father accepts as pure and faultless is this: to look after orphans and widows in their distress and to keep oneself from being polluted by the world." James 1:27
"When the Son of Man comes in his glory, and all the angels with him, he will sit on his throne in heavenly glory. All the nations will be gathered before him, and he will separate the people one from another as a shepherd separates the sheep from the goats. He will put the sheep on his right and the goats on his left.
"Then the King will say to those on his right, 'Come, you who are blessed by my Father; take your inheritance, the kingdom prepared for you since the creation of the world. For I was hungry and you gave me something to eat, I was thirsty and you gave me something to drink, I was a stranger and you invited me in, I needed clothes and you clothed me, I was sick and you looked after me, I was in prison and you came to visit me.'
"Then the righteous will answer him, 'Lord, when did we see you hungry and feed you, or thirsty and give you something to drink? When did we see you a stranger and invite you in, or needing clothes and clothe you? When did we see you sick or in prison and go to visit you?'
"The King will reply, 'I tell you the truth, whatever you did for one of the least of these brothers of mine, you did for me.' Then he will say to those on his left, 'Depart from me, you who are cursed, into the eternal fire prepared for the devil and his angels. For I was hungry and you gave me nothing to eat, I was thirsty and you gave me nothing to drink, I was a stranger and you did not invite me in, I needed clothes and you did not clothe me, I was sick and in prison and you did not look after me.'
"They also will answer, 'Lord, when did we see you hungry or thirsty or a stranger or needing clothes or sick or in prison, and did not help you?' He will reply, 'I tell you the truth, whatever you did not do for one of the least of these, you did not do for me.' Then they will go away to eternal punishment, but the righteous to eternal life."Matthew 25:31-46