Let me guess, you are a Christian that is overwhelmed with Debt? Am I a prophet? No, of course not. The truth is that you are not alone. You would be amazed at the growing number of Christians just like yourself who are in need of Christian debt relief, and it is not always because of poor spending habits. It could be due to major unplanned and unexpected expenses such as medical bills or damage to your house or car that is not covered by insurance, or maybe you lost your job in these harsh economic times we live in. Whatever the reason, if you are buried under debt then Christian Debt Relief and Financial Freedom is for you. I want to help fellow Christians find the right resources and gain the knowledge to get their debt under control and, one day, become debt free!
The first thing we need to talk about is; are you being Faithful to God? Is He first in your life? Are you aware that God blesses you if you honor Him with the firstfruits of your labor? It's true! I started tithing 5 years ago. Prior to that I was basically living paycheck to paycheck, with very little in savings. Since that time, God has blessed me in my Christian debt relief that I couldn't even begin to explain. In Malachi 3:10 (NIV) God says
"Bring the whole tithe (firstfruits) into the storehouse, that there may be food in my house. Test me in this, "says the LORD Almighty, "and see if I will not throw open the floodgates of heaven and pour out so much blessing that you will not have room enough for it."
To honor the Lord God I encourage you to test Him in this. Tithe the first 10% of your income to your local church and watch God begin to abundantly bless you for your faithfulness.
And it doesn't matter what Christian debt relief advice you may have heard, received or tried so far in your struggle to find help and solutions. The real problem is the rising cost of gas, food, medical care, etc. is causing your bank account to shrink and your credit card debts to rise more and more each month. Do any of the following sound familiar?
Your Finances and debts are out of control.
Your Relationship with God is stressed because when you go to have your quite time and read your Bible, all you can think about is your money problems.
You wish the collectors would just stop calling.
You're thinking about getting a second job, a second mortgage or maybe even bankruptcy.
You argue over money.
Your credit cards are maxed out.
You use one credit card to pay for another.
You can't figure out how to adjust your budget to get it to work or you just need to find out How to make a budget.
Well, imagine this... your world... debt free! No longer will bills be piling up, you won't be stressing out about where the money is going to come from for just your basic needs. And no more living paycheck to paycheck. You will be finally experiencing the freedom God intended for us all. And if this is your goal and you want Christian debt relief, then you are going to have to get into God's Word to see, understand and be able to apply what God has told us about money management. Why?
Financial problems are just symptoms of spiritual problems. The way to handle spiritual problems is to be prayerful, seeking God's guidance and seeking out and applying the practical solutions that are in God's Word.
The financial principles that are taught in the Old and New Testament apply today just as they were applied then. It doesn't matter if you're a single mom or married with a family of 8 or are trying to figure out how you are going to make it on just your retirement income, it applies.
"Blessed is the man who finds wisdom,
the man who gains understanding,
for she is more profitable than silver
and yields better returns than gold."
Proverbs 3:13, 14 (NIV)
What you need to think about to get Christian debt relief:
You need to think about your total amount of indebtedness and really pay attention to the total amount of interest you are paying. Too often, Christians only worry about their monthly payments, and they don't pay attention to how much money they are giving away to interest. Interest is a killer.
Many Christians consolidate their debt and pay off their credit cards, which is a good thing. But then too many go right back out and charge the cards right back up again and end up with more debt than they had before they consolidated. Make sure if you use consolidation, you either (a - the preferred method) cut up your cards and stop using them or (b) pay off the entire balance every month, and the first time you aren't able to pay off the entire balance, you must cut the cards up. They are too much of a temptation for you to struggle with right now.
There is only one way for Christian debt relief to work. You must start living on a budget to manage your money. It will show you where the money is going to go before you get your paycheck. This will help you maximize the amount that you are able to pay toward paying off your debt.
There are absolutely, positively only two ways to stop accumulating debt: Make more money or spend less. A wise Christian will consider both.
Instead of consolidating to lower your payments and extending the length of the loan, for most wanting Christian debt relief it would wiser to lower your interest rate and keep the payment the same. This way, you'll get the debt paid off so much quicker.
You have been shown some very practical advice that can help you make real decisions on how you should handle Christian debt relief. Below are the options you have:
Should you get a Christian Debt Consolidation loan?
What about Christian Credit Counseling?
Or Negotiated Settlements?
Debt Management Services?
Or even Bankruptcy?
What does God say?
What are the Pros and Cons of each, for you, as a Christian?
That's what I want you to think about. I want you to be able to take a step back from the financial stress you are under, unload the burden of worry and make the best choice for you and your family on how to get Christian debt relief. Because credit card debts don't have to rule your life.
Are you ready to break the trend of Christians in debt? Are you ready to take the first step for your own financial freedom and Christian debt relief? Crown Financial Ministries is one of the best, if not the best places to obtain Christian debt relief information, advice and teaching on how God intended us to handle our money and finances. Crown Financial classes are held at many churches across the nation and also internationally.
I sincerely hope you have found this information helpful and informative. My prayer is that you will find Financial Freedom and you will experience the complete life God has planned for you.
In the last 5 years I have totally turned my financial status around. I am still not totally debt free (car & house), but I am making headway towards my Financial Freedom. I made some of the same mistakes that were mentioned above, and I don't want you to make them too. From this point forward, make God the #1 priority in your and your family's life. He will bless those who are faithful. One positive thing I did was I started working from home in my off time. Once you've gotten your finances settled and heading in the right direction, if you're interested in seeing what has helped me in conquering my fight with debt, you can check it out here [http://www.kaptsthoughts.com].
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Carmela to Tony: "Everything comes to an end." True enough, Mrs. Sope, but on The Sopranos, the end comes sooner for some than others. Though for some the widely debated fourth season contained too much yakking instead of whacking, and an emphasis on domestic family over business Family, what critic James Agee once said of the Marx Brothers applies to The Sopranos: "The worst thing they might ever make would be better worth seeing than most other things I can think of." And in most respects, The Sopranos remains television's gold standard. The fourth season garnered 13 Emmy nominations, and subsequent best actor and actress wins for James Gandolfini and Edie Falco as Tony and Carmela, whose estrangement provides the season with its most powerful drama, as well as a win for Joe Pantoliano's psychopath Ralph. The season finale, "Whitecaps," was a long-time-coming episode, in which Carmela at last stands up to "toxic" Tony, and "Whoever Did This" was the season's--and one of the series'--most shocking episodes.