Financial debt is not advisable; relational debt is not avoidable.
My thoughts and comments today are about “a debt to be paid.”
In today’s culture, debt has become a way of life. Debt results from your buying things you don’t need, with money you don’t have, to impress people who don’t care. You are repeatedly told that the world’s economy depends upon it, all to persuade you of the impossibility of living without debt. But you can, and you should. The world’s economy relies upon an increasing rate of consumption. To business, you are a consumer; the more you consume, the happier “they “ are, whoever that is.
The evil genius of credit cards has made resistance nearly impossible. Marketing persuades you to believe you always need more, and better, and newer, and bigger, therefore more expensive. Actually, your needs are not more; your wants are. In today’s culture, debt has become a way of life. Increasing consumption supplies neither security nor satisfaction; it provides only a growing balance of personal indebtedness. Debt is never satisfying. Debt breeds more debt.
I grew up in a modest, but comfortable home. We never had too much, but we never seemed to have too little. I was taught that all you have and what you earn comes from God through His blessing on your honest labor. James 1:17-18 NLT. Therefore, the first portion is given back to God as a tithe, in recognition of His benevolence and obedience for His continued blessing. Malachi 3:8-12 NKJV. After that, everything you have is a matter of stewardship, not ownership. 1 Corinthians 4:2 NIV.
From my Dad’s advice, I learned that if I never spend all that I earn, I would always have a little extra when needed. That became a rule of stewardship and personal economy that I still follow today. Most importantly, that Godly advice works. Life is simpler; worries are less; financial freedom is greater. And in that restraint, you learn some practical measure of when enough is enough.
Financial debt is not advisable. Relational debt is not avoidable. “Don’t run up debts, except for the huge debt you owe each other.” Romans 13:8 MSG. This verse has always seemed an unusual pairing to me – financial debt and a loving lifestyle. I believe they are mutually exclusive. You are told to avoid debt; you are taught to fulfill love. Here’s how they both relate and differ. Both are obligations to which you bind yourself by free choice.
Financial debt is about satisfying you and your wants. Relational debt is about serving others and their needs. The greater your financial debts, the more preoccupied you become with yourself and the less thought and means you have left for others. Financial debt concerns you with paying your bills, satisfying your wants, and absorbing your extra. Relational debt redirects you toward giving instead of getting, meeting others’ needs before your wants, and returning the good you have received.
Just as debt engenders more debt, love will engender more love. God’s Word is always the best counsel, “Owe nothing to anyone except to love one another; for he who loves his neighbor has fulfilled the law.” Romans 13:8 NAS. God’s way is always the best way. You have a debt to be paid.
Today, my prayer for you is to understand that debt will cause you to sacrifice the ultimate for the immediate.