![\"debt](\"https:\/\/watchmanmedia.org\/wp-content\/uploads\/2016\/01\/debt-image.jpg\")
It\u2019s one thing to trust God to provide for our present needs (Matthew 6:33). It\u2019s another to presume upon Him by dictating (via a decision to incur debt) the terms of His future provision. By choosing to go into debt, we twist God\u2019s arm to provide not only for our needs but also our wants.<\/p>\n
Do we believe God knows best what our needs are? Debt spends money we don\u2019t have. So isn\u2019t our decision to go into debt proof that we believe we need more than God has given us? If we don\u2019t have the resources to buy something, and if we feel such need for it that we\u2019re borrowing to get it, aren\u2019t we saying God has failed to meet our needs?<\/p>\n
If God knows best, and if He knows what we need, then why hasn\u2019t He provided sufficient funds? Is He encouraging us to pray for provision rather than take things into our own hands by borrowing? In this age where we seem unwilling to wait for anything, does God want us to learn what it means to \u201cwait on the Lord\u201d (Psalm 27:14; Isaiah 30:18)?<\/p>\n
Before we go into debt, we should ask ourselves the following questions:
\n1. Is debt our way of getting around depending on God? (Why trust God to provide when we can get a loan?)<\/p>\n
2. Is debt our means of short-circuiting the God-created means of acquisition\u2014including work, saving, planning, self-discipline, patience, and waiting for divine provision?<\/p>\n
3. What message are we sending to God when we go into debt rather than live on what He has provided? What are we really saying when we take out a loan? How does it reflect on our view of God? What are we saying about His sovereignty, goodness, wisdom, or timing?<\/p>\n
4. What effect will be going into debt today have on our ability or willingness to tithe and give voluntary offerings tomorrow?<\/p>\n
5. What effect will today\u2019s decision to go into debt have on tomorrow\u2019s freedom to follow God wherever He wants us to go?<\/p>\n
6. By taking out a loan that commits us to make payments over a number of years, are we presuming upon God? (Certainly, if we will require more income to make the payments, we\u2019re presuming on God. We may \u201cknow\u201d that we\u2019ll receive a promotion and pay raise in September, but God hasn\u2019t guaranteed it. Plans change, companies go out of business, and employees fail to get \u201ccertain\u201d promotions.)<\/p>\n
7. Although our income today might be enough to make debt payments over the next twenty years, is it right to assume that we\u2019ll continue to generate the same level of income? (Many people\u2019s income increases over the years, but many others\u2019 decreases. Many incur increased financial commitments beyond their control, such as health-related expenses or caring for an elderly relative. People get laid off. Has God promised that can\u2019t happen to us?)<\/p>\n
8. Are we mortgaging the future to pay for the whims of the present? Are we mortgaging God by supposing to commit Him to pay off something He may disapprove of?<\/p>\n
9. Is debt our way of getting around depending on God? of circumventing prayer, patience, and waiting on God to provide?<\/p>\n
10. If we \u201cmust\u201d go into debt to provide for our \u201cneeds,\u201d is it because our \u201cneeds\u201d are really wants in disguise? Have we spent so much money on our wants that there\u2019s not enough left for our needs? Have we robbed God and forfeited His financial blessing by failing to give Him the firstfruits?<\/p>\n
11. Have we really exhausted all other avenues to avoid going into debt? Have we given up expensive activities, hobbies, and memberships, and liquidated valuable possessions? (Often, we think we have no choice but to go into debt, when in fact we\u2019re making many unnecessary choices that drive us toward it.)<\/p>\n
One of the strongest arguments for not going into debt is that we\u2019re not God. We\u2019re not sovereign, omniscient, or omnipotent. James 4:14 warns that we cannot know what will happen tomorrow. And if we don\u2019t know and cannot control all that the future holds, how can we be sure that we can pay off new debts? We can be certain that God will provide for our basic material needs if we seek first His kingdom (Matthew 6:25-34), but where does the Bible promise that God will provide for all the debts we incur through our own greed, impatience, or presumption?<\/p>\n
If we are seeking first His kingdom, will we put ourselves in bondage to debt?<\/p>\n
\u00a9 Copyright 2016 Eternal Perspective<\/span> <\/a>Ministries<\/p>\n It\u2019s one thing to trust God to provide for our present needs (Matthew 6:33). It\u2019s another to presume upon Him by dictating (via a decision to incur debt) the terms of His future provision. By choosing to go into debt, we twist God\u2019s arm to provide not only for our needs but also our wants. […]<\/p>\n","protected":false},"author":24,"featured_media":15111,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3],"tags":[],"class_list":{"0":"post-13296","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-family","8":"wp-image-borders","9":"entry"},"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/watchmanmedia.org\/wp-content\/uploads\/2016\/01\/debt-image.jpg","jetpack_shortlink":"https:\/\/wp.me\/p4bgnN-3ss","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/watchmanmedia.org\/index.php?rest_route=\/wp\/v2\/posts\/13296","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/watchmanmedia.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/watchmanmedia.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/watchmanmedia.org\/index.php?rest_route=\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/watchmanmedia.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=13296"}],"version-history":[{"count":3,"href":"https:\/\/watchmanmedia.org\/index.php?rest_route=\/wp\/v2\/posts\/13296\/revisions"}],"predecessor-version":[{"id":22642,"href":"https:\/\/watchmanmedia.org\/index.php?rest_route=\/wp\/v2\/posts\/13296\/revisions\/22642"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/watchmanmedia.org\/index.php?rest_route=\/wp\/v2\/media\/15111"}],"wp:attachment":[{"href":"https:\/\/watchmanmedia.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=13296"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/watchmanmedia.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=13296"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/watchmanmedia.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=13296"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"image_pdf\"](\"https:\/\/watchmanmedia.org\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" "\\"View")
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