Answers

By   •   March 26, 2012

Q:

We never thought we'd get into this situation, but our credit card debt is about to sink us. I guess it just got too easy for us to buy things without thinking of the cost. I know this isn't a spiritual question, but what do you suggest we do?


A:

In reality, your question does have a spiritual side to it, because God is concerned about every part of our lives. He loves us, and He knows what we’re going through; as the Bible says, “Nothing in all creation is hidden from God’s sight” (Hebrews 4:13).

Have you and your husband asked yourselves how you got into this situation? I don’t know how you’d answer, but I suspect the real reason is because you didn’t keep your spending under control. You wanted something, so you bought it — even if you couldn’t afford it. In other words, the problem was within yourselves, and although it’s probably hard for you to admit it, you have only yourselves to blame. This is why I urge you to turn to Christ and ask Him to forgive you and take away your greed and self-centeredness.

What can you do? First, seek advice about your finances from someone you can trust, and who can help you find the best way out of your difficulties. Then act on that advice. No doubt it will include making a realistic budget — and sticking to it. It may also involve cutting up your credit cards or locking them away; easy credit is a dangerous trap. The Bible says, “Let no debt remain outstanding, except the continuing debt to love one another” (Romans 13:8).

In addition, put Christ and His will first in all aspects of your lives — including your finances. God loves you, and His way of living is always best.

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5 Comments

  1. Justine says:

    My husband and I have been enslaved to credit card debt for many years. We resolved not to charge anything more on our cards a couple of years ago, but the consequences of our sin remain.

  2. Wiktor says:

    Jesus says. “You must choose between God and man, you can´t serve both.” Too many people in the western world today choose to serve man instead of God, and that´s sad.

  3. David says:

    First of all, tithing was never about money, but about the first fruits of your harvests and flocks…

  4. Jannie says:

    In the UK CAP (Christians Against Poverty) helps people get out of debt by helping them to budget, attend a Money Course, etc. Clients get a 'befriender' to help them to keep on track, and as a result some became Christians!

  5. Alta says:

    I have learned over time that there is a vast difference between the lure of serving Satan and serving God. Please be careful when you talk about guidance……….Satan drives his slaves…….God leads us with spirit and truth.