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In my opinion, you would have to start applying the basic principles of paying your tithes and offering to your church (Malachi 3:8-12). After which you should pray over your monies and ask God for wisdom on how to be a good steward over what you have left. Even though it might not seem to be "enough " God is able to make all grace abound towards you (2 Corinthians 9:8).We are to owe no man anything but to love him, so we should not live above our means. Learn how to be a joyful giver and a sower. Applying godly principles will always work because God cannot lie.
God is indeed "able to make all grace abound toward us." But if you're in over your head in debt you have to do more than "start paying your tithes and offerings" to a church. Whatever you do (practical solutions) should be done with a renewed purpose in mind. If we find ourselves "in debt" we probably got there because our purpose was forgotten for a season. Colossians 3:17 should serve as a mandate for practical godly living, to keep us from straying into dark territory and getting off course of living with a purpose. It says 'Whatever you do in word or deed, do all in the name of the Lord Jesus, giving thanks to God the Father through Him.' We have a tendency to feign independence when things are flowing well for us. That independence SEEMS to work for the unsaved so it can seem to be okay for us. It isn't. It leads to "debt." Unless the "child of God" acknowledges the sovereignty of the Father through fellowship with the Son the debt will remain. You can't "tithe" your way out of debt, so don't get any ideas about such an easy way out. If all you had to do was start giving a certain percentage of your income away getting out of debt would be a breeze. It isn't. That "solution" is from "churchianity" not Christianity. Step 1 - STOP SPENDING. (Emphasis mine) Pick a side. Yours or the enemy's. Step 2 - In war, the quickest way to win it, or at least end it is to take out the enemy's leadership. What led to this debt? Credit cards? Gambling casinos? WHATEVER it is or was, KILL IT. (Emphasis mine) How did David kill the giant of 1Sam 17? And why did he step forward when it wasn't his fight? He made it his fight when he heard the bragging and boasting of the giant toward Israel's army. The Phillistines "believed" in their champion because of his one major advantage over everybody else: his size. Israel, a people who had their "beginning" with God, who had been enslaved by the enemy and delivered out if it by God, who had been given a homeland that was previously owned by God's enemies, had now begun to think that they were on their own. They didn't believe in their "Champion" the way the Phillistines did, and His size is unmatched by any. David knew from whom he got his strength. He believed that God would give him victory if he stepped up and put his faith in God to defeat this formidable foe. A person being threatened by a giant called "debt" can do the same thing if the fight is to protect the name and reputation of the Lord. If you're asking God to "do you a solid" and deliver you from this evil called "debt" He just might do it, or He might not. His decision will be based on Him getting the glory He wants to get, and how He gets it. Maybe you're wanting to "return" to Him and being debt free is your way of bringing Him glory. We can partake of the Lord's suffering but not His glory (1Pet 4:13). Goliath thought he was boasting against Israel, when in fact he was boasting against " the armies of the living God." (David's assessment) That's who your creditors have picked a fight with. They want to keep you in debt. God wants you to be free from it. If you do your part He'll do His. David didn't hesitate; he didn't go into prayer asking God to do anything. He didn't hear from God and act. He used what he already had (a sling shot) against a giant. He acted quickly. Once he decided to fight this giant he didn't waver. Debt is a giant, but so is a sheep herder (humble person) when used of God, for God. David wasn't seeking his own glory, and when we're in a one-sided fight, neither should we. You came to this forum seeking a spiritual solution to a spiritual problem of your own making. You could have gotten financial advise from a financial consultant. I don't think that's what you're looking for. I think you're seeking a cure for an addiction. If you get your debt paid down and you run it back up, it means you have an addiction. Step 3 - Get debt free with God's help and stay that way the same way.
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