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How to Start the Climb out of Debt - Daily Hope with Rick Warren - January 21, 2020

  • 2020 Jan 21

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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.

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This easy-to-carry hardback journal with a soft-touch cover gives you the tools you need to establish a consistent daily prayer time. It’ll help you connect with the Lord and enjoy a vibrant prayer life as you unlock the keys to praying with passion and purpose.

Inside you’ll find 235 beautifully designed pages filled with:

• Practical encouragement for your prayer life from Pastor Rick
• Sections that guide you to pray for specific people and situations
• Space for writing out what God is showing you
• Encouraging Bible verses
• Gorgeous artwork and inspiring photos

Dive into this year’s theme, “Connecting with Jesus: The Source of Living Water,” and tap into God’s power and presence as you’re reminded how much God loves you and wants to be an active part of your life.

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This devotional © 2018 by Rick Warren. All rights reserved. Used by permission.

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