The word of God is for teaching, edifying and rebuking and recently while at fellowship I found myself being rebuked for living a lie…
For the first time in my life, I broke a rule and bought an item on credit.. With one conviction, people owe me. Once they pay, I will sort it out.. Was this wisdom or foolishness? Right now I am not so sure since times are unpredictable right now
I have always purposed to live within my means. Save up until I can afford something or forego the item or work out a payment plan especially when I was employed.
But early on in the year I made a purchase that led me to borrow money from family and was left with a balance I knew I would pay back when I made money from business .. I am reminded of a proverb that taught us to never count our chicks until they are hatched.. I was planning with people’s money which was mistake number one
I saw an item, I loved and picked it up.. Did I need it? Yes, but did I have the resources ready for it? No.. But I was given an option of paying in installments.. But I made the first installment then failed to make the second one and here is what I am learning so far
1.I should have said “No” -plain and simple, no matter how exciting it looked and sounded.. God would have made another way at another time
2.Never bank on money that is not in the bank even if I am on salary I am assured of today.. Who knows what will happen tomorrow?
3.A full proof payment plan is good but if you are not disciplined it can fail terribly ..things will always demand for your attention but it’s important to prioritize
4. It was not a matter of life and death situation so could have waited.. 5.I could possibly be delaying my blessings by not paying my debt and here is why..
Have I been getting cash? “Yes” but according to me, in small installments so still waiting for lumpsum to clear the debt but I realize just how selfish that is.. I am putting my needs above somebody else’s who really needs the money hence the reason why they sold the item..so I shouldn’t make excuses
The lumpsum may not come now but I can clear with the much I have one day at a time
6.Once I am done paying , learn my lesson and stick to the rule..
7.Never borrow money unless a life depends on it.. Other things can wait and that is why we save and have many investment options that help us achieve our goals.
8. I will still live even if I don’t get the item.. If it were an emergency God would have made a way.I need to trust Him in all situations as opposed to taking matters into my hands
The Bible reminds me to owe no one nothing except for love.. Romans 13:8 “Owe no one anything except to love one another, for he who loves another has fulfilled the law.”
Saying No is a better option than living in debt and sometimes you probably don’t need the item.. Its just greed speaking up..
Well I needed the item but the timing was wrongFriendships have died as a result and it starts with when you think your needs are more important than the other person’s and you expect God to bless you when someone is going hungry and you owe them?And the pressure is also unnecessary
9. And I can’t echo this enough but live within your means and I guarantee you that your life will be way better and far much more peaceful and with a disciplined saving culture, you can achieve your goals one day, a month, a year at a time.
10.I will also touch on another common mistake we make that is improper.. Never borrow money to lend and never feel pressurized to give when you don’t have.. You are not the Savior of the world.. God has never failed to provide and He won’t start now
You can give in so many ways that does not involve money and time is one of themAnd this does not mean that when you have you hold back.. Give wisely
Have a monthly allowance that goes towards giving and before giving, ask God to show you who and where to lend a helping hand financially.. Now If I contributed towards everything, I wouldn’t have any savings so appropriate wisely by always asking God for direction.