Debt. Ick. A slave-driver.
“The rich rules over the poor, and the borrower is the slave of the lender.” Proverbs 22:7
Don’t be a slave! Choose the path less traveled!
Choose the hard path and be blessed.
- Don’t buy it unless you NEED it. Seems simple right? But who really does this??? What do you NEED? Food. Clothes. Electricity. Hmmm, not another black shirt or another pair of flats or another toy your kid won’t play with.
- Talk to your spouse about every purchase that isn’t food. Seems extreme right? I’m telling you, this was our biggest game changer! It all started when I came home with 5 buckets I had purchased from Wal-Mart. I walked in and my husband reminded me we had like 10 downstairs. Oops. So often we aren’t aware of what we already have… or we are convinced we “need” something when our spouse might disagree and give us a different, helpful perspective.
- Keep the BIG picture in mind. There’s a bigger picture than that impulsive buy you really want. Your grandchildren for example. Did you know how you spend money impacts not only your kids but your grand kids…and possibly their kids?! Yep. Your choices never just impact you. Generations will reap what you sow. Do you want your kids and their kids to embrace debt and see it as “the only way”. No! Of course not! We don’t want our children being slaves to anyone but Christ. So live it out NOW! Choose to not be a slave to debt today and watch it change your tomorrow and your children’s children.
- Remember it’s not your money. Nothing you have belongs to you if you call yourself a child of God. When you chose to be His you gave Him all of you and everything that you have. Think of that next time you go to buy another coffee that you know you could make yourself at home. (Nothing wrong with buying coffee every once in a while… but everyday?? Especially when you are in debt??)
- Be a weirdo. Yep. You read that right. Be the weird one at the restaurant that gets ice water so you don’t have to contribute to the bill. Go to be with them for fellowship and save money while you’re at it. Be the one that skips out on going to the theater because your main goal right now is to get out of debt! Look for little and big ways all day to save money. You may be weird but that’s ok because debt is normal! And you don’t want normal! “Live like no one else so you can live like no one else.” -Dave Ramsey
Maybe you’re thinking: “Oh yeah! What do you know?!!” Welp. I’m a spender. A big waster. But by God’s glorious grace I married a saver. A frugal man. He has influenced me to live out the 5 points above. They don’t come naturally but I can’t tell you how wonderful it is to no longer be a slave to debt! We now own two homes with no mortgages and have no other debt of any form! We have been single income for our whole marriage and not with money-making jobs either! (Ahem, Pastor and Teacher 🙂
My heart is for you!! I want you to see the value in living debt free. The value in the long-term rather than those short-term indulgences! Here’s to a debt free life! 2019 is your year to get started!