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Stay Out Of Debt
Stay Out Of Debt
By Wayne McDonald

Romans 13:8 Keep out of debt and owe no man anything, except to love one another: for he who loves his neighbor [who practices loving others] has fulfilled the law [relating to one’s fellowmen, meeting all its requirements. Debt is a curse! I have read books on finances and they talk about good debt and bad debt.

I understand what they mean but I agree with the word of God that the best debt is no debt. Did you know that most families have and average of $16,000 to $22,000 in credit card debt. If you are in debt make a decision to not go any deeper. Some of us need plastic surgery, cut those cards up if they are a stumbling block to you.

Before you make a purchase ask yourself do I rely need this? Ask your heavenly Father, is it ok for me to make this purchase? He is not trying to with hold anything that is good from us but He sees things we don’t.

There is hope for you no matter how deep in debt you are in. Start to putt more money toward those cards, don’t just do the minimum.

Knock out one card at a time starting with the one with the lowest amount. This will create monmetum. Sit down and look over your budget and figure out what you can get rid of and cut some extra spending.

Go to and download the free  budget app. Put the extra toward those credit cards. It takes sacrifice and focus but be patient.

When the credit cards are paid off start putting money towards your next debt. If you get aggressive the average time for most families is around 3 years, and they are completely debt free with the exception of their house. Just work on your consumer debt first and leave the house to last. 

Did you know that if you will make just one extra house payment on a thirty-year loan you will pay your house off eight years earlier?

Start to exercise your faith and believe God to get out of debt. Study His word on finances and get His mind of how to manage and multiply money. Start tithing if you are not. He will build your house as you build His.  If you’re serious about getting out of debt  you and your spouse need to read the Total Money Makeover by Dave Ramsey. Keep out of debt.