When you get hooked to debts, the temptation to earn through dishonesty
means increases. However trivial that might seem, the enemy of the
souls knows you will not stop at that, you will next rob God Himself.
“Will a man rob God? Yet ye have robbed me. But ye say, Wherein have we
robbed thee? In tithes and offerings” (Malachi 3:8). Do not allow
yourself to develop a life of debts, leading to a cheating habit;
otherwise you risk becoming accustomed to cheating others until you
cheat yourself out of heaven.
within your means. Many, very many, have not so educated themselves
that they can keep their expenditures within the limit of their
income. They do not learn to adapt themselves to circumstances, and
they borrow and borrow again and again, and become overwhelmed in debt,
and consequently they become discouraged and disheartened.
poor families are poor because they spend their money as soon as they
receive it. You must not manage your affairs in a way that will incur
debts. When you become involved in debt, you are in one of Satan’s
nets, which he sets for souls. Abstracting and using money for any
purpose, before it is earned, is a snare.
some tips, the seven steps, into becoming debt-free. It is important
to keep in mind that it is difficult to fully serve God when you are
enslaved by debts. It is not God’s plan that His people shall live
outside their means, in debts.
One: Return tithe and offerings
ye all the tithes into the storehouse, that there may be meat in mine
house, and prove me now herewith, saith the LORD of hosts, if I will
not open you the windows of heaven, and pour you out a blessing, that
there shall not be room enough to receive it” (Malachi 3:10).
you have it – an obligation that comes with a promise of a
blessing. Many are in debts because they have by their not
returning tithe to God forfeited the blessings. “Prove me,” says
God, “if I will not pour you out a blessing.” Blessings will come
in different ways beyond monetary measure, if only you seek God’s
wisdom in counting your blessings.
may ask, what is tithe? Tithe is one-tenth. God requires a
tenth of your increase. “And concerning the tithe of the herd, or
of the flock, even of whatsoever passeth under the rod, the tenth shall
be holy unto the Lord” (Leviticus 27:32). Which means, ten
percent of our income is holy for the Lord. We steal from God,
and break the eighth commandment, if we keep the tithe for ourselves.
tithe continues under the New Testament. To those that paid tithe
but neglected other matters, Jesus said, “Woe unto you, scribes and
Pharisees, hypocrites! for ye pay tithe of mint and anise and cummin,
and have omitted the weightier matters of the law, judgment, mercy, and
faith: these ought ye to have done, and not to leave the other undone”
(Matthew 23:23). The word “ought” denotes an obligation to pay
explains the use of tithe as that of supporting the work of the
gospel. “Do ye not know that they which minister about holy
things live of the things of the temple? and they which wait at the
altar are partakers with the altar? Even so hath the Lord ordained that
they which preach the gospel should live of the gospel” (1 Corinthians
9:13, 14). Paul traces the use of tithe in the Old Testament, and
clearly teaches that the gospel minister is to be supported exactly the
same way as the priests of the Old Testament.
withholds tithe from God, robs God of His tithe. “Will a man rob
God? Yet ye have robbed Me. But ye say, Wherein have we robbed Thee? In
tithes and offerings. Ye are cursed with a curse: for ye have robbed
Me, even this whole nation” (Malachi 3:8, 9).
you are still in debts, it does not excuse you to rob God.
“Render to Caesar the things that are Caesar’s, and to God the things
that are God’s” (Matthew 22:21). Some feel conscientious to “owe
no man anything” (Romans 13:8), and think that God can require nothing
of them until their debts are all paid. Here they deceive
themselves. They fail to render to God the things that are His.
Everyone must bring to the Lord a suitable offering. Those who
are in debt should take the amount of their debts from what they
possess, and give a proportion of the remainder.
you need a simple illustration to calculate tithe? Well, say you
earn 1,000 pounds a month, 100 is tithe and belongs to God. Tithe
is calculated from the increase or profit. Say you are a
businessman, you earn a gross profit of 5,000 pounds a month, from
which you pay 4,000 pounds in salaries and overhead expenses, your
increase from which to calculate tithe is 1,000 pounds, that is, you
pay 100 in tithe.
tithe, we are to support God’s work with our free-will offerings.
Jesus was pleased with the window for giving with love a free-will
offering. This is recorded by Mark as follows: “And Jesus sat
over against the treasury, and beheld how the people cast money into
the treasury: and many that were rich cast in much. And there
came a certain poor widow, and she threw in two mites, which make a
farthing. And he called unto him his disciples, and saith unto
them, Verily I say unto you, That this poor widow hath cast more in,
than all they which have cast into the treasury: For all they did
cast in of their abundance; but she of her want did cast in all that
she had, even all her living” (Mark 12:41-44).
requirement of giving offerings with love is so important that the
story was record also by Luke: “And he looked up, and saw the rich men
casting their gifts into the treasury. And he saw also a certain
poor widow casting in thither two mites. And he said, Of a truth
I say unto you, that this poor widow hath cast in more than they
all: For all these have of their abundance cast in unto the
offerings of God: but she of her penury hath cast in all the living
that she had” (Luke 21:1-4).
the Bible teaches that the tithe is sacred, reserved by God for
Himself. It is to be brought into His treasury to be used to
sustain the gospel laborers in their work. If still in doubt,
read carefully the third chapter of Malachi and see what God says about
people think that tithe was only applicable to the Old Testament.
Such view is unbiblical. The New Testament does not re-enact the
law of the tithe, as it does not that of the Sabbath; for the validity
of both is assumed, and their deep spiritual import explained.
Lord now calls upon His faithful people in every locality to consecrate
themselves to Him and to do their very best, according to their
circumstances, to assist in His work. By their liberality in
making gifts and offerings, He desires them to reveal their
appreciation of His blessings and their gratitude for His mercy.
the means that are give to us, we are placed on trial in this world, to
determine our fitness for the future life. None can enter heaven
whose characters are defiled by the foul blot of selfishness.
Therefore, God tests us here, by committing to us temporal possessions,
that our use of these may show whether we can be entrusted with eternal
Two: Pay your taxes
apostle plainly outlined the attitude that believers should sustain
toward the civil authorities: “Submit yourselves to every ordinance of
man for the Lord's sake: whether it be to the king, as supreme; or unto
governors, as unto them that are sent by him for the punishment of
evildoers, and for the praise of them that do well. For so is the will
of God, that with well-doing ye may put to silence the ignorance of
foolish men: as free, and not using your liberty for a cloak of
maliciousness, but as the servants of God. Honor all men. Love the
brotherhood. Fear God. Honor the king” (1 Peter 2:13-17).
have men placed over us for rulers, and laws to govern the people. Were
it not for these laws, the world would be in a worse condition than it
is now. Some of these laws are good, and some bad. The bad have
been increasing, and we are yet to be brought into straight places. But
God will sustain his people in being firm, and living up to the
principles of His word. Whilst some may not like paying taxes,
they are part of the laws that govern the people, and most governments
need taxes in order to pays for services that bring peace and security.
is no excuse to fail to pay due taxes because you think state officials
are corrupt. The government under which Jesus lived was corrupt
and oppressive; on every hand were crying abuses – extortion,
intolerance, and grinding cruelty. Yet the Saviour attempted no civil
reforms. He attacked no national abuses, nor condemned the national
enemies. He did not interfere with the authority or administration of
those in power. He who was our example kept aloof from earthly
governments. Not because He was indifferent to the woes of men, but
because the remedy did not lie in merely human and external measures.
To be efficient, the cure must reach men individually, and must
regenerate the heart.
Christ’s day, taxes were seen as government or state extortion.
As such, most Jews in Christ’s day hated tax collectors. Christ
did not interfere with political matters. He taught truth.
But for teaching truth, the Pharisees hated Christ. So, one day,
the Pharisees sought to use the paying of taxes to entangle Christ in
His talk. So they sent to Him the Herodians, who came to Him with
trickery saying: “Tell us therefore, What thinkest thou? Is it
lawful to give tribute unto Caesar, or not? … Then saith He unto them,
Render therefore unto Caesar the things which are Caesar’s; and unto
God the things that are God’s” (Matthew 22: 17-21)
is your legal duty to pay tax. Depending on where you live, most
states will levy some tax on your income. The principle of
honesty is at the heart of your obligation to pay taxes. A
Christian who does not pay due taxes, steals from the state and breaks
the eighth commandment: “thou shalt not steal.” You cannot truly
be debt-free by stealing, for what you possess then becomes another
debt to the true owner, the state, in regard to taxes not paid.
Pharisees sent spies to Jesus to ask Him: “Is it lawful for us to give
tribute unto Caesar, or no? … And he said unto them, Render therefore
unto Caesar the things which be Caesar’s, and unto God the things which
be God’s” (Luke 20:22-25). We must return due taxes to the
state. We disobey God if we return not to Caesar what belongs to
Caesar (the state).
reply was a candid answer to the question. Holding in His hand
the Roman coin, upon which were stamped the name and image of Caesar,
He declared that since they were living under the protection of the
Roman power, they should render to that power the support it claimed,
so long as this did not conflict with a higher duty. But while
peaceably subject to the laws of the land, they should at all times
give their first allegiance to God.
are to recognise human government as an ordinance of divine
appointment, and teach obedience to it as a sacred duty, within its
legitimate sphere. But when its claims conflict with the claims
of God, we must obey God rather than men. God’s Word must be
recognised as above all human legislation. A “Thus saith the
Lord” is not to be set aside for a “Thus saith the state.” The
crown of Christ is to be lifted above the diadems of earthly potentates.
wisdom and authority of the divine law are supreme. The ten
precepts of Jehovah are the foundation of all righteous and good
laws. Those who love God’s commandments will conform to every
good law of the land.
are not required to defy authorities. We are to go forward in
Christ’s name, advocating the truths committed to us. If we are
forbidden by men to do this work, then we may say, as did the apostles,
“Whether it be right in the sight of God to hearken unto you more than
unto God, judge ye. For we cannot but speak the things which we have
seen and heard” (Acts 4:19, 20).
Three: Pay back your debts
“The wicked borroweth, and payeth not again: but the righteous sheweth mercy, and giveth” (Psalms 37:21).
debts to buy back your freedom, and be determined never to incur
another debt. Deny yourself a thousand things rather than run in
debt. Getting into debts is a curse of life. Avoid it as
you would the smallpox. Shun the incurring of debt, as you would
shun leprosy. Carelessness in incurring debts leads to
carelessness in committing sin; the correlation is sure.
a solemn covenant with God that by His blessing you will pay your debts
and “owe no man anything” (Romans 13:8) if you live on porridge and
bread. It is so easy in preparing your table to throw out of your
pocket fifty pence for extras. Take care of the pennies, and the
pounds will take care of themselves. It is the mites here and the
mites there that are spent for this, that, and the other, that soon run
up into pounds.
self at least while you are walled in with debts. Do not falter,
be discouraged, or turn back. Deny your taste, deny the
indulgence of appetite, save your pence and pay your debts. Work
them off as fast as possible. When you can stand forth a free man
again, owing no man anything, you will have achieved a great victory.
amount daily spent in needless things, with the thought, “it is only a
nickel,” “it is only a dime,” seems very little; but multiply these
littles by the days of the year, and as the years go by, the array of
figures will seem almost incredible.
failure to repay debts is robbery to your fellow men. Some may
argue that banks are not fellow men. Banks are not simply
abstracts aimed at benefiting abstracts, they are owned by men.
God’s word sanctions no policy that will enrich one class by robbing
and suffering of another. In all our business transactions it
teaches us to put ourselves in the place of those with whom we are
dealing, to look not only on our own things, but also on the things of
shall do no unrighteousness in judgment, in measures of length, of
weight, or of quantity” (Leviticus 19:35). “Thou shalt not have
in thy bag diverse weights, a great and a small. Thou shalt not have in
thy house diverse measures, a great and a small” (Deuteronomy 25:13,
14). “Just balances, just weights, a just ephah, and a just hin,
shall ye have” (Leviticus 19:36). Pay back your debts.
Four: Be not enslaved by debts
“The rich ruleth over the poor, and the borrower is servant to the lender” (Proverbs 22:7).
debts or else be a slave to lenders. Financial difficulties are
increasing. Many poor men are indebted to rich men, who in turn
are indebted to financial institutions, which are in turn indebted to
small states, which in turn are indebted to big states – forming a
world economic order. The time is upon us when through the world
economical order men will be enslaved in debts to financial
institutions fully controlled by the state. Because you are
indebted to the system that controls economies of the world, you will
be subject to the powers that be.
have seen poor nations getting poorer, rich nations getting greedy, and
all calumniating into world economic crisis. The author of sin,
Satan, no doubt, is behind all this. His strategy seems to be
that of creating chaos and then seizing power under the pretence of
putting things back in order.
if not already by the time you read this, the religious world will
unite with the political world to control the world economic
crisis. It will be harder for souls indebted to the world
economic system to escape worshiping the beast and receiving its mark.
“And that no man might buy or sell, save he that had the mark, or the
name of the beast, or the number of his name” (Revelation 13:17).
To united religious and political world powers, the solution to
economic crisis will include enacting a Sunday law, setting up a false
Sabbath supposedly to worship God.
are not many, even among educators and statesmen, who fully comprehend
the causes that underlie the present state of economy. Those who
hold the reins of government are not able to solve the problem of
poverty. They are struggling in vain to place business operations on a
more secure basis. If men would give more heed to the teaching of
God’s word, they would find a solution of the problems that perplex
the time is upon us when Satan, through united religious and political
powers, will seek to lead the whole world into a false worship that
breaks the fourth Commandment. If you are indebted to the system
that Satan will soon fully control, as buying and selling become fully
controlled by the powers that be, it will be very hard as a debt-slave
not to opt to receiving the mark of the beast in order to
survive. Get out of debts now while peace lingers.
what can you do to avoid debts? For a start, you need to rethink you
spending. New brands of items are constantly coming into
supermarket that entice people to spend even the money they do not
have. People in this generation want things now without delay
even if they cannot yet afford to pay for those wants. This
culture of wanting things now takes many into debts. If you
cannot afford to pay, you may be better off waiting, saving money until
you can afford to pay than go into debts.
you follow the culture of acquiring things now before you have the
ability to pay for them, the snares of debts will have you take out a
loan or credit card. Even in economic crisis, there are still
financial institutions that will easily offer you a loan or a credit
card without much proof that you have the ability to repay. The
results will be slavery into debts.
other problem to watch out is borrowing to buy new brands of things
when our old brands can still serve the same purpose. If you have
a car that takes you from A to B, and it is efficient enough, why would
you need to borrow money in order to buy a brand new car? Often,
we swap our vehicles for reasons other than age or high repair bills.
you avoid unnecessary spending, for those living in developed
countries, be aware of the three areas in which the majority of
families get into financial trouble. These include motor
vehicles, medical expenses, and household maintenance. Many
times, when a crisis comes to one of these areas, it not only rains –
pours. In just one day, your car battery dies, the washing
machine erupts, and one of your youngsters needs to go to the emergency
clinic. Already pinched by paying off debts, people slide further
into the hole when they use a credit card to overcome these crises.
what would you do if you did not have that credit card? You have
a triplet crisis of car breaking down, washing machine broken, and a
child that need taking to a pay clinic. Would you survive if you
had no credit card to use? Amazingly, you would survive without a
credit card. Do you serve God, do you trust God to take care of
you when you have followed His counsel to remain debt free? The
Psalmist says, “I have been young, and now am old; yet have I not seen
the righteous forsaken, nor his seed begging bread” (Psalm
37:25). It is time to live by the grace of God and not by the
provisions of credit cards. You can survive without credit cards,
but if you have kept that credit card, the temptation to use it will
increase, and the results will be debts.
Five: Be not surety for debts
that is surety for a stranger shall smart for it: and he that hateth
suretiship is sure” (Proverbs 11:15). “A man void of
understanding striketh hands, and becometh surety in the presence of
his friend” (Proverbs 17:18).
are two types of surety or loan – guarantees. With the first, you
contract to be responsible for another person’s debt, and you assume
full responsibility for the money owed if he or she defaults.
Parents often become surety when their adult children cannot make a
deposit for a mortgage. The Bible says this is a mistake.
Many sureties who cosign for loans end up making the repayments.
other surety loan means signing an unconditional guarantee to
pay. Credit cards are a form of this surety. The business
sells you the goods, and the credit card company finances the
purchase. If you default, returning the products does not cancel
the debt because the credit card company has absolutely no interest in
you become unfaithful steward if you become a surety for a stranger’s
debts. It displeases God. “Be not thou one of them that
strike hands, or of them that are sureties for debts” (Proverbs 22:26).
have a closer look at Proverbs 11:15: “He that is surety for a stranger
shall smart for it: and he that hateth suretyship is sure.” This
forbids partnership with unbelievers, who fear not God. God’s
people trust too much to the words of strangers, and ask their advice
and counsel when they should not. The enemy makes them his
agents, and works through them to perplex and take from God’s people.
have no tact at wise management of financial matters. They lack
the necessary qualifications, and Satan takes advantage of them.
When this is the case, such should not remain in ignorance of their
task. They should be humble enough to counsel with God-fearing
brethren in Christ, in whose judgement they can have confidence, before
they carry out plans.
cards are a form of surety the word of God prohibits. Make an end
to the use of credit cards. Destroy the credit card and work
towards paying off the balance without incurring further debts.
Make the destruction of your charge and credit cards a family ceremony
similar to the public burning of witchcraft and occult scrolls by the
early Christians in Ephesus (Acts 19:18-20). This drastic step will be
a great beginning in preventing you from burying yourself even deeper
in debt – and it will be a great lesson for your children and fellow
Six: Be not a sluggard
“The soul of the sluggard desireth, and hath nothing: but the soul of the diligent shall be made fat” (Proverbs 13:4).
look upon labour as drudgery, and they try to obtain a livelihood by
scheming rather than by honest toil. This desire to get a living
without work opens the door to wretchedness and vice and crime almost
was ordained for man before the fall. Among the Jews physical
toil was not thought strange or degrading. Through Moses the
Hebrews had been instructed to train their children to industrious
habits, and it was regarded as a sin to allow the youth to grow up in
ignorance of physical labour. Every youth, whether his parents
were rich or poor, was taught some trade. Those parents who
neglected to provide such a training for their children were looked
upon as departing from the instruction of the Lord.
Thessalonica Paul had met those who refused to work with their
hands. It was of this class that he afterward wrote: “There are
some which walk among you disorderly, working not at all, but are
busybodies. Now them that are such we command and exhort by our Lord
Jesus Christ, that with quietness they work, and eat their own
bread.” While labouring in Thessalonica, Paul had been careful to
set before such ones a right example. “Even when we were with
you,” he wrote, “this we commanded you, that if any would not work,
neither should he eat” (2 Thessalonians 2:11, 12, 10).
is a duty of every man to work to provide for his family. Paul
says, “But if any provide not for his own, and specially for those of
his own house, he hath denied the faith, and is worse than an infidel”
(1 Timothy 5:8). You must employ your time during the six working
days, to earn a living to support your family, lest you bring dishonour
to God. The best sermon a man may preach is to provide for his
own family. Moreover, if you are lazy, if you do not work, it
will be hard to pay off debts.
says, “Occupy till I come” (Luke 19:13). It may be but a short
time until our life’s history shall close, but we must occupy till then.
would have everyone educate himself to calmly contemplate His second
appearing. All are to search the Word of God daily, but not
neglect present duties.
declared that when He comes some of His waiting people will be engaged
in business transactions. Some will be sowing in the field,
others reaping and gathering in the harvest, and others grinding at the
mill. It is not God’s will that His elect shall abandon life’s
duties and responsibilities and give themselves up to idle
contemplation, living in a religious dream.
should work to earn a living, within the principles God has given in
the Bible, and do the good works we find to do in this life, while we
wait for Christ’s soon return.
Seven: Give instead of receiving
and it shall be given unto you; good measure, pressed down, and shaken
together, and running over, shall men give into your bosom. For with
the same measure that ye mete withal it shall be measured to you again”
this, the Bible teaches us the principle of self-denial through seed
sowing. God created the seed, as He created the earth, by His
word. By His word He gave it power to grow and multiply. He
said, “Let the earth bring forth grass, the herb yielding seed, and the
fruit tree yielding fruit after his kind, whose seed is in itself, upon
the earth; and it was so . . . And God saw that it was good” (Genesis
is that word which still causes the seed to grow. Every seed that
sends up its green blade to the sunlight declares the wonder-working
power of that word uttered by Him who “spake, and it was”; who
“commanded, and it stood fast” (Psalms 33:9).
is in obedience to the law of God that the spire of grain bursts
through the ground, “first the blade, then the ear, after that the full
corn in the ear” (Mark 4:28). These the Lord develops in their
proper season because they do not resist His working. And can it
be that man, made in the image of God, endowed with reason and speech,
shall alone be unappreciative of His gifts and disobedient to His
will? Shall rational beings alone cause confusion in our world?
both in spiritual and in temporal things is taught in the lesson of
seed sowing. The Lord says, “Blessed are ye that sow beside all
waters” (Isaiah. 32:20). “This I say, He which soweth sparingly
shall reap also sparingly; and he which soweth bountifully shall reap
also bountifully” (2 Corinthians 9:6).
sow beside all waters means a continual imparting of God’s gifts.
It means giving wherever the cause of God or the needs of humanity
demand our aid. This will not tend to poverty. “He which
soweth bountifully shall reap also bountifully.” The sower
multiplies his seed by casting it away. So it is with those who
are faithful in distributing God’s gifts.
imparting they increase their blessings. God has promised them a
sufficiency that they may continue to give. To those who have
squandered His goods, Christ still gives opportunity to secure lasting
riches. He says, “Give, and it shall be given unto you” (Luke
6:38). As you escape your debt crisis, give, lest you forfeit
yourselves bags which wax not old, a treasure in the heavens that
faileth not, where no thief approacheth, neither moth corrupteth” (Luke
12:33). “Charge them that are rich in this world, . . . that they
do good, that they be rich in good works, ready to distribute, willing
to communicate; laying up in store for themselves a good foundation
against the time to come, that they may lay hold on eternal life” (1
Timothy 6:17-19). Hearken to the call to give.
Sunday Law, the prophecy will be fulfilled: “And that no man might buy
or sell, save he that had the mark, or the name of the beast, or the
number of his name” (Revelation 13:17). This time is soon coming,
if not already by the time you read this neither booklet, when
commandment-keepers can neither buy nor sell. Make haste to dig
out your buried talents. If God has entrusted you with money, show
yourselves faithful to your trust; unwrap your napkin, and send your
talents to the exchangers, that when Christ shall come, He may receive
His own with interest. In the last extremity, before this work shall
close, thousands will be cheerfully laid upon the altar, as did the
early apostolic church.
early church in the book of Acts gave all to the cause of the gospel
work. Men and women will feel it a blessed privilege to share in
the work of preparing souls to stand in the great day of God, and they
will give hundreds as readily as dollars are given now. If the
love of Christ were burning in the hearts of His professed people, we
would see the same spirit manifested today. If mean and women did
but realise how near is the end of all work for the salvation of souls,
they would sacrifice their possessions as freely as did the members of
the early church. They would work for the advancement of God's cause as
earnestly as worldly men labour to acquire riches. Tact and skill would
be exercised, and earnest and unselfish labour put forth to acquire
means, not to hoard, but to pour into the treasury of the Lord, to give
to gospel ministry to finish the work.
him that stole steal no more: but rather let him labour, working with
his hands the thing which is good, that he may have to give to him that
needeth” (Ephesians 4:28).
you been stealing from God, His tithe? Have you been stealing
from Caesar, his taxes? Have you been stealing from your lenders,
the interest on loans? Have you been stealing from the needy, by
keeping yourself in debts that you are of no help to the needy?
Have you been an accomplice to stealing, by being surety to others to
incur debts they cannot pay back? Have you been stealing from
others, by not working and therefore becoming a burden to others?
Have you been stealing from God by not giving to the gospel
cause? “Let him that stole steal no more” (Ephesians 4:28).
riches, pleasures, all are used by Satan in playing the game of life
for the human soul. The warning is given, “Love not the world,
neither the things that are in the world. If any man love the world,
the love of the Father is not in him. For all that is in the world, the
lust of the flesh, and the lust of the eyes, and the pride of life, is
not of the Father, but is of the world” (1 John 2:15, 16).
who reads the hearts of men as an open book says, “Take heed to
yourselves, lest at any time your hearts be overcharged with surfeiting
and drunkenness and cares of this life” (Luke 21:34).
the apostle Paul by the Holy Spirit writes, “They that will be rich
fall into temptation and a snare, and into many foolish and hurtful
lusts, which drown men in destruction and perdition. For the love of
money is the root of all evil; which, while some coveted after, they
have erred from the faith, and pierced themselves through with many
sorrows” (1 Timothy 6:9, 10).
in His word has advised us to live within our means. To be
content with what we have and avoid debts. “For I have learned,
in whatsoever state I am, therewith to be content. … And I know how to
abound: every where and in all things I am instructed both to be full
and to be hungry, both to abound and to suffer need” (Philippians 4:11,
advice is God’s command; you disobey it at your own eternal
peril. If you are in debts, ask God to forgive you and grant you
wisdom to recover from debts. If you have credit cards, destroy
them forthwith and incur no more debts. Make no provision for the
lust of debts. Review your lifestyle, your spending attitudes,
and admit that you have been out of control and that you need to change
your attitude about spending. Obey all God’s advice concerning
debts, as you would obey all His Commandments. Be careless in
debt matters and be sure to be careless in other spiritual matters.
Finally, “Let us hear the conclusion of the whole matter: Fear God, and
keep His commandments: for this is the whole duty of man” (Ecclesiastes