“The Bible calls debt a curse and children a blessing. But in our culture we apply for a curse and reject blessings. Something is wrong with this picture.” ~Doug Phillips

Raising children is hard, but so is getting out of debt. Fortunately, for me, I learned early on about the curse that debt brings. Debt kept me from being able to give the way that I truly wanted. It robbed me of the luxury of spending time with my family the way that I wanted. Whenever we have debts we are not able to live the lives that God has planned for us.

It is the lust of our flesh that leads us into debt. We must learn to bring ourselves under the submission of the Lord. The way that we do this is by using the bible as a filter for every decision. Let’s see what the bible tells us concerning borrowing?

” The rich shall rule over the poor, and the borrower is servant to the lender” Proverbs 22:7.

It is not God’s plan that we be servant to anyone but Him.

“No one can serve two masters. Either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve both God and Money” Matthew 6:24.

If the lender’s money is our master we are then under his control and how then can we fully serve God with our money?

God declared to the people of Israel in Deuteronomy 15:6 that they would ” lend to many nations but will borrow from none.” Could it be that God had a more excellent way for his people?

Debt can lead a person to resent their children or to look at them as a burden. Especially if one has taught their children how to have an insatiable lust for things. We must learn to be satisfied, so that we can show our children how to be satisfied, and then we can begin the process of desiring the true gifts of God which are the children that He has blessed us with.

“Lo, children are an heritage of the Lord: and the fruit of the womb is his his reward” Psalm 127:3.

The bible tells us that children are a heritage of the Lord. And oh, what a great inheritance they are. We must not “be conformed to the world, but be transformed by the renewing of our minds, that we may prove what is that good, and acceptable, and perfect, will of God” Romans 12:2.

Reject the temptation to obtain everything that your heart and pocketbook desires. Learn to be content with what you have. Desire the greater gifts which are the eternal through Christ Jesus.


I recently read a blog called “Submission” (this article is no longer available online), and the writer hit the nail right on the head. Supportive scripture’s were used, in context, when referring to the wife’s role of authority in the family. It seems as though many women struggle with the idea of submitting to their husbands. I, myself have also struggled with this very issue. Years ago I refused to submit to my husband, and the state of my marriage was a testimony to my rebellion. I was not happily married, nor was I modeling the Titus 2:4-5 women as an example for my daughters.

Once I made a commitment to surrender, my life changed. Daily the Holy Spirit worked in me, making me humble and obedient. On my journey to submission I learned that, not only had I refused to submit to my husband, I wasn’t submitting God either. My refusal to submit was a direct result of my relationship with God. I did not trust that God or my husband had my best interest in mind. I believed that they were out to hurt me. By surrendering I became a better wife and mother. Surrendering to God’s idea of a wife, allowed my husband to become a better husband. I allowed him to freely operate in his role as head of the family. I began to trust his decisions, which in turn made him trust God even more. Submitting has allowed my husband to demonstrate, to me, his ability to hear from God and lead our family.

My husband has rarely abused his authority, as I had feared that he would. His decisions demonstrate to me that he truly loves me as he loves himself. The time that I wasted rebelling only nurtured my fears. The decision to submit was accomplished by God and has increased my faith.