A man’s mind plans his way, but the Lord directs his steps and makes them sure (Proverbs 16:9). God loves you and wants the very best for you, and He will lead you to it if we are listening and obey Him. God’s will is for us to be debt-free; Romans 13:8 says “Keep out of debt and owe no man anything, except to love one another…” Wouldn’t that be great for your household, to owe no man anything? Of course it would. You likely desire to be debt-free, but need a plan, a starting point.
Visible – Write out each of your monthly debt obligations, including the minimum monthly payment required and total owed. The challenge: Find up to 10% of your monthly income to apply solely to your smallest debt. Send in that extra amount each month to your smallest debt, while sending in only the minimum amount to the other debts. When that first debt is paid off, take the money you were paying into it and send that in addition to the minimum payment for your next smallest debt, and so on.
Invisible – Read Philippians 4:6-7, it directs us to make our wants known to God. We know this effort to be free of debt is God’s will, so we can certainly make this part of our petition to Him. Ask the Lord for direction, to find the additional funds (up to 10%) in your budget to accelerate debt payoff, for wisdom making wise purchases. Be listening and sensitive to Him for direction, it may require us to be humble in an area that would reduce our expenses, but the outcome will be better than you can imagine.
God Bless you and may He show Himself greatly to you,
Paul
