Why do I receive mailings telling me that $5,000 or $10,000 or $20,000 has already been approved for me and to receive it I need only send in the enclosed agreement? Why do banks and credit companies beg me to borrow from them, listing dozens of ways I could use the money? Why are people so anxious to lend me money? The answer is simple—they want me to borrow because they will make a lot of money from my debt.

To change the direction of our lives we need to prayerfully make wise decisions, and nothing is wiser than giving first to God, cutting back our expenditures wherever we can, and systematically paying off our debts to others,

It’s one thing to trust God to provide for our present needs (Matthew 6:33). It is another to presume upon him by dictating (via choosing to go into debt) the demand for, amount of and necessary duration of his future provision.