Comunicación y Gerencia Biblical principles and actions to survive and thrive in the current financial climate – Part 4 Errol & Gerri Vassell www. safeguarded. co. uk
Teaching Overview • Orientation • • • Purpose for our finances Obedience and our finances Wisdom and our finances Encouragement for our finances Restoration of our finances
Comunicación y Gerencia Encouragement for Dealing with The “D” Word
DEBT Subtly transfer wealth from the borrower to the lender which then leads to the borrower becoming bound to the lender until the debt is paid off
Objectives • To understand the causes of debt • To understand biblical principles for dealing with debt • To make good financial decisions • To thrive not just survive in the present economic crisis and beyond
Some Causes of Debt • • Unforeseen circumstances Ill health/long term disability Loss of income Lack of financial control (hole in the bucket) • Impulsive spending habits
Some Causes of Debt • Non giver • Fraudulent activity/ banking errors • Demonic interference
Comunicación y Gerencia What does the bible say about debt?
Group Exercise What scriptures / biblical stories, which clearly talks to us about debt are you familiar with? One example per group
Bible Teaching on Debt • The rich ruleth over the poor, and the borrower is servant to the lender (Pr 22: 7) • Owe no man anything, but to love one another (Rom 13: 8) • No man that warreth entangleth himself with the affairs of this life (2 Tim 2: 4)
Bible Teaching on Debt • Count the cost (Luke 14: 28) • In the house of the wise are stores of choice food and oil, but the foolish man devours all he has (Pr 21: 20) • Contentment – (Heb 13: 5)
Symptons of Debt problem • • Avoid discussing financial matters Compulsive spending Worry about bills Unsure how much you spend
Symptons of Debt problem • • Bills paid late Minimum payments on credit card bills Consolidate loans to pay off bills Paid today and run out of money before the end of the month
Effects of Debt • • Anxiety Sickness/insomnia Insolvency Repossession Divorce Spiritual decline Cannot leave inheritance • Hopelessness
Get Out Of Debt • C onfront • O rganise finances • D eal with it • E limination/Education
Confront • • • Pray seeking God’s direction ‘Ostrich syndrome’ - Face up to situation Open your mail Speak to creditors Look at spending pattern: – Bank/credit card statements – Mortgage statements – Till receipts/Utility Bills/etc
Organise • • Plan to reduce debt Self Set goals Seek godly counsel
Deal With It • • Bring order to disorder 10/10/80 rule (Tithe/savings/others) Budget Allow God to lead you to godly debt counsellors (Crown Financial) • Good stewardship – know the state of your flock (Pr 27: 23)
Eliminate • Wasteful expenditure • Review all credit cards • Low interest rate • Danger of minimum payments!!!! • Plastic surgery
Comunicación y Gerencia The Wealth Transfer Pr 13: 22 b “The wealth of the wicked is laid up for the just” • Correct positioning • Change way of thinking • Identify gifting and use it (Pr 18: 16)
Comunicación y Gerencia Salvation – it is easy and free! Romans 10 v 9 (Paraphased) Confess with our mouth that Jesus is Lord and believe God raised him from the dead , you are saved!
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