Becoming Debt Free

Six Tips For Becoming a Debt Free Christian

by Nate Ohman

Becoming a debt free Christian can be one the most difficult hurdles to clear on the way to faithful Christian stewardship. The formula is quite simple: "Spend less than you make and save the rest!" The hard part is doing it.

Use the following tips as a guide for your journey toward financial freedom.

Tip #1: Pray and work. In the Old Testament when Nehemiah was faced with the insurmountable task of rebuilding the walls of Jerusalem, he prayed hard and then he worked hard. Read the book of Nehemiah to see this model in action. Cling to the Lord during this difficult time. This is a spiritual battle as well as a physical one.

Tip #2: Deal with the immediate financial crisis. You have to stop the leaks in the boat before you begin to bail the water out. This means getting on a written budget and sticking to it. A pad and paper is great, but if your tech savvy then you might want to try some budget software.

Tip #3: Prune. Get rid of or refine those things that are financial anchors. Examine the cost of big ticket items like auto loans and high insurance premiums. Also, look for expensive "toys" that you could sell or trade in.

Tip #4: Stay clear of Christian debt consolidation and other scams. You got into this mess over time and it will take time to get out. If you are promised an easy out...it is probably a scam. Remember Nehemiah. Pray hard and work hard.

Tip #5: Generate more income. To become a debt free Christian one may need to increase income while cutting expenses. Starting your own internet business is one possible way to generate additional part time income.

Tip #6: Keep educating yourself. Look for additional resources and articles to assist you in your journey.Most importantly, never give up. You can do it! Pray like it's totally up to God...work like it's totally up to you!