Financially speaking, there are three kinds of people: the haves, the   have-nots, and those who have not paid for what they have! Debt has become a   way of life in the American landscape. The average American household spends   at least 20 percent of their net income on consumer debt. We must understand   that when debt rules, debt ruins. Proverbs 22:7 says: “The borrower becomes   the lender’s slave.” Debt controls your life, so it puts you in a kind of   slavery. There are several reasons for debt: ignorance, indulgence, poor   planning, and emergencies. All these things can contribute to the snowball of   debt.

But I believe that God provides a way for us to live without…