Do you have peace with your finances or mounds of debt? Are you ready for that emergency to replace a transmission in a vehicle? What about if you get laid off? Maybe something came up with having an extra medical expense? What are you going to do? Are you going to have to borrow?  Go further in debt?

For most of us, we have gone into debt for something or another. I bet it really could have been avoided if we would have just been smart with our money and planned from the beginning. When we are younger, we are neither taught about money nor do we care about it.  We want to spend money that we just got from our paycheck. Or we have a credit card for those things that our mind desires but we really don’t need.  Have you ever bought a new car with a loan?  Do you or have you ever had a credit card? What about student loans? I have made that mistake over and over again. Let’s look at what God says about debt.

The rich rule over the poor, and the borrower is slave to the lender. Proverbs 22:7

We are slaves to these lenders until we pay back every single dime, and don’t forget that interest that they add on for their services. Have you ever looked at how much money you pay in interest for you car, personal loan, or even your home?  It actually made me a little sick to really look at this. This is not how God intended us to live, with such stress and anxiety about our money that He has blessed us with in the first place.

I really questioned myself and how I was living. Is this really how I am supposed to live and feel about my debt? Do we spend money on things to keep up with the world or live how God intended?  I can say that I feel like most – we do it to keep up with the world. We all want nice things, but do we “NEED” them?

Keep your lives free from the love of money and be content with what you have, because God has said, “Never will I leave you; never will I forsake you.” Hebrews 13:5

After teaching the Financial Peace Class by Dave Ramsey and reading his Total Money Makeover book, his lessons made it very clear that I was living wrong. I needed to change my lifestyle before I ruined my life and taught our children the wrong way as well. My life changes by just looking at what God wants and the path that He wants me on.  I can honestly say that we do still have fun adventures the right way, not putting things on a credit card but by either having a yard sale or saving for the vacation in advance. I look at things a lot differently now and don’t have the “need” feeling that I use to have. I am content with what I have and if I have money left in my allowance, I will get myself something nice. It is all about budgeting! I know that God will take care of my family and I because we give back to Him what he has given to us.

Honor the Lord with your wealth, with the first fruits of all your crop. Proverbs 3:9

Even if you are in debt and feel like you don’t have enough money to get through the month, all I can say is “GIVE”. Give money to the church, community, those who are in need. You will see what God does for you. He is incredible and will always take care of us. We really just need to start listening to what He is trying to tell us about money.

Really sit down and look at what you are spending your money on and why. Make a plan for having an emergency fund, saving for college, retirement, and the best part – giving to others. It will not only change your life, it will change your future!

Written by Sara Bankard

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