The Power of Debt


Buried for my sins or resurrected for my life?

The Power of Debt

I was having a chat with my son the other day and he asked me, “Dad, if you lived your life over again, would you change anything?”

I had a little chuckle, knowing there would probably be a number of things I would do differently. However, without any doubt, I replied, “I would certainly live my life without debt… all my 45 some years of working life, I had debt of one sort, and I now see how much time and stress I went through to pay it back…on the treadmill of debt payment – day in and day out”.  

Had I not chosen to use debt, I realised things would probably have been a lot more difficult, but one thing is for sure…. I would have had a lot more peace of mind.

The scriptures are very clear when it comes to debt – NO debt – not any kind of debt – except to owe others love. Proverbs says those who borrow become a slave to their lender. Think about this. As we borrow money – or anything else – we have to pay it back. Immediately we complete the borrowing transaction, we put a yolk around our necks and begin the treadmill of repaying. Interest rates can go up and borrowing conditions can change but as slaves, we are powerless to complain.

As people go about their daily lives, some appear not to be concerned about their commitment to repay, while others are deeply troubled and find themselves worrying about the fact that if they lose their jobs, they have no means of meeting their commitment. Worry is borne out of the fear of not being able to repay. Are we one of those who are constantly walking around with a dark cloud of worry over us? More than likely debt is the cause.

The accuser of the brethren, the devil, has a wonderful time with this topic. Fear does not come from the Lord. Fear is a great tool for the accuser. In Ephesians, we see how easy it is for us to “indulge in the desires of the flesh and the mind”. How easy it is for us to fall victim to fearful thoughts. Fearful thoughts cause us to worry. Worry will lead us into depression. Worry will make us physically sick.

How many times have we prayed asking God to bless and prosper us, when we continue walking outside of His principles by making more debt? It simply cannot make sense to God to prosper those who do not obey Him. Would you keep giving money to a compulsive gambler who consistently squandered it?

DEBT FREE = FEAR FREE.

So what can we do to get out of debt? As with any negative situation, we first need to acknowledge that there is a problem. Next we need to ask God to partner with us in order to find a solution. We need a renewal of our thinking. If we continue to do the same things in our life, we will end up with the same results. Different results require different inputs. “Lord please change me”.

With the leading of the Holy Spirit, write down a plan of how you can begin immediately to reduce your debt. Implement the plan and be disciplined to stick to it. This requires us to pay attention to the battle which will be present in our minds – the battle to try and get us to stay with our old way of thinking. However, we see in Romans, that we are no longer slaves to our old way of thinking. Believe this verse by faith and be diligent to “stick to the plan”.

As you make up your mind to commit yourself to this challenge, God is faithful to bless your obedience. Immediately you acknowledge your wrong and commit to getting away from it, His blessings will flow and what may seem an impossible hill to climb, will be complete before you know it!

Fear will no longer be part of your life and you will truly feel the power of the peace of the Lord daily, as you walk in Him.

From: “…time with the Master…”

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Building Bridges – Part Three


In the previous parts of this series we saw that it is of prime importance for us, as believers, to make sure that the word of God can freely pass between us and all whom we have relationships with. This at any time – in season and out of season. Nothing can be of more importance than to make sure the bridges of relationship grow and are kept clear – whichever community situation we find ourselves in.

Continue reading “Building Bridges – Part Three”