Stay Out Of Debt This Christmas

With the holidays fast approaching, retailers are already scrambling for those end of year profits. Remember what scriptures teach about borrowing and lending and think twice this year before presenting that credit card to the cashier.

“The rich rule over the poor, and the borrower is slave to the lender” Proverbs 22:7 (NIV)

It's been said that it takes roughly until April of next year to pay off the debt taken on at Christmas. Why do we do it? Our grandparents and great-grandparents, most of them lived by the rule, “If you don't have it, you don't need it.”  However today's mindset is if you don't have the money you can borrow today and pay later.

God promises to meet our needs (Phil 4:19). Ask yourself if you really need something before you buy it. If the answer is yes, then save up for it and buy it debt-free when you have saved up enough for the purchase.

My husband and I made a commitment four years ago to become debt free. Following the advice of Dave Ramsey, we are completely debt free except for a mortgage, and we are working on that one too. It's not always easy, especially with four children, but God has always provided.

There are many this year who will not worry about debt because they will have no money to be in debt with. We need to remember that as we shop for gifts this year. Many families struggle to put food on the table, provide necessary medicine and medical care. Many children will brave the elements this year without a coat or decent shoes unless someone provides. Can you imagine a Christmas without a Christmas tree or gifts? For some, that will be a reality this year.

So with all that said, I urge my fellow Christians to spend wisely this year. stay debt free. Give all that you can and don't be afraid to give a little more than you think you can. God loves us, each and every one of us. Trust in Him to meet each and every one of your needs.

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