As you take the first steps into a new year--a year to reduce debt and move closer to being debt-free, would it be beneficial if there was someone to accompany you everywhere 24/7 and provide guidance whenever you need it most? God specifically made that provision for you, by His Holy Spirit.
Jesus said "I will ask the Father, and He will give you another Comforter (Counselor, Helper, Intercessor, Advocate, Strengthener, and Standby), that He may remain with you forever" (John 14:16). There are many accounts of God's people overcoming famines, making wise choices and prospering when they listened to His voice and obeyed the specific direction given.
You could call me and ask "should I buy/not buy this?", or "how should I handle my finances in this area?" But God's Holy Spirit can provide His divine direction for you in a moment's notice in the marketplace, in front of your computer, and in meditation before Him. He knows exactly what timing is right for YOU personally, and all of the factors--including what cannot be seen.
Our flesh will always attempt to steer us away from God. Galatians 5:17 says "For the desires of the flesh are opposed to the [Holy] Spirit, and the [desires of the] Spirit are opposed to the flesh." Indebtedness is another area the flesh seeks to bring about our ruin. Our flesh whines that we will not be happy without buying this "thing"... the flesh has no concern for what that "thing" will do to our finances... but the Holy Spirit does.
I can tell you from personal experience that Galatians 5:16 has always proven true - "Walk and live in the Holy Spirit [responsive to and controlled and guided by the Spirit]; then you will certainly not gratify the cravings and desires of the flesh."
You may ask "what if I don't understand His voice?", or say "I hear different voices at times." If your cell phone has a poor signal, you try to get outside or up higher, right? That's to get closer to the transmitter's signal... it's exactly same action here. As we read and absorb God's Word on a regular basis, our ability to recognize God's voice will increase because what He says to you will always line up with what is written in His Word.
Psalm 119:105 tells us "Your Word is a lamp to my feet and a light to my path".
The God who created the whole universe and knows all in the past, present and future, and loves you wants to light your way in each and every path of your life--with finances included in those paths.
The Word tells us we will be led forth with peace. The Holy Spirit will provide the peace that you are making the right decision, and just as importantly will continue to give you peace afterwards. Then, as you've seen the fruit of following His voice your confidence grows to trust Him more and more.
Lastly, be encouraged from these words spoken by Jesus in John 10:27-28... "The sheep that are My own hear and are listening to My voice; and I know them, and they follow Me. And I give them eternal life."
God Bless you and may He show Himself greatly to you,
Paul
