Getting into debt is something that can happen to anyone, Christian, or non-Christian. For Christians in particular, owing money, or being without is not a state that's encouraged by biblical principles. Debt is a trial, very much like other trials encountered in our walk with God. Gaining the right perspective on what it is, and how to handle it is an important aspect of our faith.
Identification
Living as a Christian is a lifestyle, built on basic principles. Compassion, making right choices and faith are mindsets that apply within every area of life, including our finances. Debt is a consequence of making the wrong choices. More oftentimes than not, we're in the wrong mindset when these choices are made. Proverbs 21:5 says it this way:
"The thoughts of the diligent tend only to plenty; but the thoughts of everyone who is hasty only to poverty."
Features
The steps needed to get out of debt are the very same steps we take everyday in our faith. The challenge remains the same -to stay grounded in God's principles that justice and fairness will always prevail in spite of the chaos that seems to rule in this world.
"There is one who scatters, and yet increases all the more, and there is one who withholds what is justly due, and yet it results only in want. The generous man will be prosperous, and he who waters will himself be watered." (Proverbs 11:24-25, KJV)
Hard work, tithing and making payment where payment is due are actions that coincide with our fundamental beliefs. And while life may seem like it's broken up into different areas, the basis for our actions within these different areas remains the same.
Function
It's no secret that having money is a requirement to survive in this world. Yet still, to merely survive is not the plan that God has for His children.
"I am come that they might have life, and that they might have it more abundantly." (John 10:10, KJV)
Learning how to manage money can be one of the most effective tools for growth a Christian has. To master the stronghold (money) that makes this life possible can only draw us closer to the abundance that Christ speaks of. As with any other strongholds we encounter, the same Christian principles apply.
Benefits
"But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you." (Matthew 6:33, KJV)
As we grow within our Christian walk we realize that what is experienced here on earth is but a means to an end. Getting out of debt is a part of that means. The discipline required to manage our money responsibly works to develop the character traits that draw us closer to God. It is in the act of making good on our debt that our ultimate purpose is lived.
Prevention/Solution
Getting out of debt is only half the battle. Staying out of debt requires a lifestyle change. Managing money requires budgeting and planning and sticking to the plan. The book of Proverbs says it this way:
" Through wisdom a house is built, and by understanding it is established; and by knowledge the rooms shall be filled with all precious and pleasant riches." (24:3-4, NIV)
There are a number of Christian debt management agencies online that can help you put together a plan to get out of debt. Not all of them are reputable, so investigate each one before signing up.
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