Editor's note: This article originally appeared on christian personal finance. Used with permission.

Should a Christian be in Debt?

The Bible makes it clear that being in debt is not God’s best for us. I haven’t found anything to indicate that it is a sin for a Christian to be in debt (unless of course you are disobeying God’s personal instruction for you), but Jesus came to set us free, not make us slaves. Therefore, when Proverbs says “the borrower is slave to the lender,” I get the impression that God wants us to be debt-free.

We live in a unique time, with unique challenges. We are inundated with so much advertising and marketing almost everywhere we go. The world is screaming a lot of things, and most of them aren’t in agreement with what God is whispering to us.

It is a challenge to live within your means. Especially when you see so many others living way beyond their means and enjoying the fleeting pleasures of the moment. It requires great sacrifice to see long term and to think beyond what our flesh wants right now.

Debt is NOT normal

I am not going to go on a tirade against credit cards or car loans right now, but we have got to start understanding that debt is not normal. Just because most of society calls it normal and good does not make it either of those.

Isaiah 5:20Woe to those who call evil good, and good evil; Who substitute darkness for light and light for darkness…

Just because everyone else is doing it, does not make it right!! God’s principles, regardless of how few people follow them, should be our guide. Not the noise of society.

Debt is Slavery

Every time we enter into lender/borrower agreement we are actually entering into a master/slave agreement.

Proverbs 22:7The rich rules over the poor, and the borrower becomes the lender’s slave.

Just as there is a bondage that comes from being in debt, there is a opposite and equal freedom that comes from being liberated from it. I am still working on this one myself. I am doing everything I can do by being disciplined with my money and being the best steward possible. And I am trusting that God will do His part.

He wants to see us liberated from the slavery of debt more than we do. By doing our part and asking Him for help a lot of power is present to break us out of the bondage of debt.

Being Debt-Free isn’t just for us

Whether God wants everyone to be a millionaire, I can not answer. But I do know that he wants all Christians to prosper.

Psalms 35:27: …And let them say continually, “The LORD be magnified,Who delights in the prosperity of His servant.”

He wants us to thrive and use that which we have been blessed with to bless others. He says, we will lend to many nations and not borrow. In order to lend to others we need to get ourselves in a solid financial situation that will allow it.

That said, we need to start giving no matter what our situation looks like. It is easy to say, “Oh, I will give when I have more money to give.” God wants us to give when we feel like we have nothing to give. It is a true step of faith when you give before you have an abundance.

Mark 12:41And He sat down opposite the treasury, and began observing how the people were putting money into the treasury; and many rich people were putting in large sums. 

A poor widow came and put in two small copper coins, which amount to a cent. 

Calling His disciples to Him, He said to them, “Truly I say to you, this poor widow put in more than all the contributors to the treasury; 

for they all put in out of their surplus, but she, out of her poverty, put in all she owned, all she had to live on.”

Sowing seed for the harvest

The Bible makes it clear that we will reap what we sow. Once you start thinking of that like a farmer it makes it a lot easier…

I am getting ready to plant some tomato, lettuce, herbs, and a bunch of other seeds. I know that if I don’t drop any seed in the ground, I will not get any of the harvest in a few months. But if I do plant those seeds, I can count on receiving a bunch of tomatoes, peppers, lettuce and everything else that I sow.

We need to look at every dollar we have as seed. We can either spend it on ourselves or we can sow it into the Kingdom of God (our local church) or sow it into someone else’s life.

Galatians 6:7Do not be deceived: God cannot be mocked. A man reaps what he sows.

It is okay to expect a harvest for what you sow. God said it. We can trust Him. Let’s make it a point this week to sow a little bit more seed, and just see what God does.

Bob Lotich is the Founder of christian personal finance, a resource dedicated to building God's Kingdom and helping others through money. He is also the Co-Founder of blogging your passion

Publication date: September 12, 2012