How to Start the Climb out of Debt
By Rick Warren
“Don’t withhold repayment of your debts” (Proverbs 3:27 TLB).
God makes it abundantly clear in the Bible how he feels about debt: “Don’t withhold repayment of your debts” (Proverbs 3:27 TLB). Romans 13:8 says, “Let no debt remain outstanding” (NIV). God declares the same wisdom that most of us have intuitively: Debt is not a good thing.
When we look at where we are right now, most of us would be willing to pay as we go if we could just finish paying for where we’ve been. But God wants you to repay what you owe so he can bless you in your finances. In order to do that, you’ve got to commit to do it, and then you’ve got to have a plan to do it.
First, you have to commit to do it. You’ve probably noticed that it’s easy to coast into debt. You don’t even have to think about it. But you cannot coast out of debt. You’ve got to make a U-turn and start a long climb back up the hill. That requires a tough decision and a commitment to the time and discipline it will take to get out of debt.
It’s easy to feel alone in this uphill climb. But God knows right where you are! He understood this was going to happen a long time ago. He wants to help you with your problems, to strengthen you through your problems, and to grow you in the midst of your problems. He is with you in this challenge. You are not alone.
First you make a commitment, and then you make a plan.
Having a plan is essential. Getting out of debt is a step-by-step, day-by-day task. And it involves a word that most people hate: discipline. It means not doing this, not buying that, resolving to do this, deciding not to do that. The Bible says in Proverbs 21:5, “Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty” (NLT).
If you’re in debt, don’t ignore this warning from the Bible: Watch out for hasty shortcuts. If you’re in debt, you’re in pain and you want to get out of pain as quickly as possible. So you’re extremely prone to this temptation.
Don’t go after hurried shortcuts. Look for God’s plan. Make a commitment to the plan, and decide that you’ll do whatever it takes to accomplish your goals.
Imagine where you could be in a year if you took diligent steps to be free of debt. Then, resolve to take those steps every day, relying on God’s wisdom and grace to do the hard thing.
For more Daily Hope with Rick Warren, please visit pastorrick.com!
“Perhaps the most important role you can play in the life of a child is teaching them to trust God through prayer. It’s the key to living with hope.” —Pastor Rick
That’s why it’s so important to strengthen the hope of kids by introducing them to Jesus’ model for prayer at an early age. And we’re excited to help you do that with Pastor Rick’s children’s book, The Lord’s Prayer: Words of Hope and Happiness.
Filled with thoughtful insights from Pastor Rick as well as stunning illustrations from award-winning artist, Richard Jesse Watson, this book brings the poetic scripture from the King James Version alive for readers young and old. It’s sure to become a meaningful bedtime ritual, a treasured memory, and by God’s grace, a legacy that bears good fruit for generations to come.
This book is a perfect way to share the beauty and richness of The Lord’s Prayer with the children the Lord has placed in your life. And it’s our thanks for your gift below to help Daily Hope take the Good News to more people everywhere. So please request a copy for yourself or a friend today, and thanks for your generosity!
*The USA IRS code permits you to deduct the amount of your financial gift to Daily Hope that exceeds the fair market value of materials you received from Daily Hope.
This devotional © 2018 by Rick Warren. All rights reserved. Used by permission.
You can listen to Rick Warren on OnePlace.com.