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Another New Year's Challenge #3

black-calculator-debt free
Dear Precious Saints of MBC,   
 
I trust you are doing well and looking forward to this Sunday with Matt Wilder.    
During these first few weeks of the New Year I've been suggesting some New Year challenges.  The first challenge was to move from being a victim of circumstances to being a learner about life.  Two weeks ago I suggested the challenge of mastering a gospel presentation and then sharing it with someone who is not yet a Christian.  Last week the challenge was to find someone from your past, whom you may have wronged and apologize.  This week let me suggest you pay off everything and get out of debt! 
Obviously, I don't have the space to write much but a couple of important points.  Some may ask: Is this a "Christian" goal or just something that would be good for everyone to do?  How about both!  Proverbs 22:7 says,
The rich rule over the poor, and the borrower is slave to the lender.  Debt will forever rule over you and crush your spirit plus it just makes sense! 
In Scripture, one reason for believers having money is so that we may be generous. One of the great hindrances to our generosity is the heavy debt load many stagger under.  Today, the average person carries a credit card debt in excess of 12,000 dollars!  Under such debt is it any wonder that many legitimate needs are not funded.  We'd like to give to help those poor people or to support the missionary, but we don't have it to give.
If we paid off our debts and did not incur additional financial burdens, think how liberating that would be.
The question is How!   How can I rid myself of this debt? 
Answer: Live a simple disciplined life where you determine to live well below the level of your income.  Delayed gratification is essential.  Get everyone in the household behind this goal.   Say no to expensive choices such as eating out or purchasing items you can't afford.  Don't be afraid to drive a "beater" for a car.  You can't afford a new car so don't even think about it.  If you can't pay cash - don't buy it!  Period!   Begin today to double up on the existing payments. If you have credit cards, cut them up and refuse to use them.  Galatians 5:22-23 makes clear that discipline or self-control is a part of the fruit of the Spirit. You'll be needing Him to get control of your finances, so it's good to know the Lord wants to produce patience in us.  Entire books have been written on this topic and we have some of the best in our church library.   Get them, read them and apply them to your life.  Don't be afraid to ask for help from one of our seasoned, mature believers at Midvalley.  
Make 2020 the year of New Beginning!  
We want to help however we can! 
See you on Sunday!
 
I the light of His glory and grace,
 
Pastor Doug