Getting out of debt God's way is not only possible, but highly desirable. Getting out of debt God's way will produce lasting debt relief. Getting out of debt God's way — under His guidance — begins with a personal relationship with Jesus our Messiah. It can be swift. However, most likely it will be protracted.
Getting out of debt God's way will provide the Christian debt relief you prayed for. Most of all, you will grasp lifestyle changes you need. This Christian debt relief that you will experience as you get out of debt God's way will provide the freedom from creditors that you need. Then, you will learn to lean on God for your daily sustenance, and you will build a solid foundation for the future. We pray as you read this page it will start your journey to get ouf of debt to experience Christian debt relief. By God's grace, you will experience the love, joy, grace, and mercy of Jesus our Messiah.
Getting out of debt God's way begins by acknowledging that God has no debts. He paid all our debts in full on the cross. Besides, God owns everything and never needs financial debts. If you are in debt, you must understand that it's yours, not His. However, Jesus will guide you to get out of debt his way—the stress-free way. Start today to believe in Jesus and be ready to accept your circumstance.
You must realize that you will bear the effects of earlier decisions that resulted in your debt. Besides, Jesus might not remove your financial debt in your timeframe. However, He will remove the debt burden—the stress, today. Ask Him. Once the debt burden lifts, you will be able to look away from your circumstances and to Him. Then you will be ready to start the get out of debt journey.
Many folks see this get out of debt phase as financial engeneering. They focus on loan consolidation, refinancing, re-mortgaging, and so on. They do not realize that this way to get out of debt provides temporary relief. It does not deal with root causes— such as their behavior issues. That's why I suggest this getting out of debt God's way path. On this journey, a Christian will grow closer to the Lord who will lead and guide him or her. Then, and only then, will he or she experience the Christian debt relief that the Lord provides.
In this process of getting out of debt God's way, you are trying to solve the case of the vanishing dollars. It starts with removing the financial debt burden—transferring it to Jesus. Once the financial stress goes, you will be able to hear Jesus' solutions to remove the debt.
The next step to solving the case of the vanishing dollars is to identify where funds went and how they got there. After completing these two steps, you must set up a procedure to prevent a recurrence. You need to answer these three questions as you start your investigation:
Getting out of debt God's way is fact-finding, not finger pointing. It needs husband and wife’s commitment. You don’t need to know why you spent funds. Each of us has a good reason he or she did it—please don’t camp here.
As you continue the path to get out of debt God's way, focus on understanding how you got into debt, and so increase the probability of preventing a recurrence of your earlier decisions that led to your debt. Ideally, couples should work together as one unit as they take this journey. However, husband and wife do not grow at the same rate, so each family must decide how it will approach solving this case. Here is my suggested approach to continue the journey to get out of debt God's way:
Prayerfully think about your present and recent spiritual life by asking: Has my spiritual life been FLAT? This is not a mechanical exercise; do it prayerfully, earnestly seeking to hear from God. Each person should answer these personal questions:
Before moving to the next section of the get out of debt God's way journey, pray and reflect on the process thus far. Ask the Lord to show you adjustments you need to make. Then write a one-sentence conclusion about your spiritual life.
In this section of the get out of debt God's way path, you will get to the heart of your beliefs and practices. You act based on your beliefs. You choose based on your beliefs, your worldview. Again, each person should answer these personal questions:
Did I, do I, accept my stewardship responsibilities? Did I, do I understand I am Jesus’ manager and should seek His guidance before I spend? Did I, do I understand I can’t be God’s manager unless I know Him intimately?
Did my Behaviour suggest I understand implications of God’s ownership and my stewardship of money? Did I use a budget or spending plan? Did I respond to advertising and easy credit terms? Did I spend for needs that could not wait? Did I practice these essential words, wait, not now!
What decision procedure did I follow before spending? What were main spending drivers? What caused me to spend each time? Did I spend for emotional relief? Did I pray before spending? Did I spend impulsively?
Did I have a GRIP on my finances? That's the question to answer in this phase. This section has four broad steps and needs just as much soul searching as earlier sections.
Your review will show you changes you should implement. You will have to change your lifestyle as you bear effects of poor choices that led to your debts. Probably accepting you can't manage money, and you alone are responsible for your debts, might be two diffiuclt items to accept. Reality is you decided to spend. Nobody forced you. You chose, and so, you must learn to identify attitude and behavior changes you must implement. If you do not, you will sink deeper in debt.
After accepting your responsibility for your debt, and after you decide that with God's help you will change your behavior, you will be ready to proceed to the next step of working with the numbers.
After you are confident you have implemented needed lifestyle changes, review these specific steps to continue the journey: