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Debt-Free Christians

Should Christians become debt-free?

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 ---Moderator on 8/6/09
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Again I think this is a question each person should answer for himself.Whatever we as Christians do should be done honestly and in good faith. If we are able to pay our bills and be good stewards of what God has loaned to us, then that's right and good. No where in the bible does it say that Christians should be debt-free. We will never be debt-free in this life. Taxes are forever and so are utilities.
Trying to get en education is not free either. Sometimes loans are necessary. But we should not misuse and abuse credit and get into unnecessary debt. This only entraps and snares us as Christians. We do as we are told in the Word: to be content with what we have.Don't covet what others have and depend totally on the Lord for all of our needs.
---Robyn on 10/8/09


Romans 13:7-8

Render therefore to all their dues: tribute to whom tribute is due, custom to whom custom, fear to whom fear, honor to whom honor.
Owe no man anything, but to love one another, for he that loveth another hath fulfilled the law.
---Donna66 on 8/14/09


WaPa -- I own my house free and clear. I'm not wealthy (but not having a mortgage saves a lot of money). I will sell this house for cash when I want or need to move. That cash will pay for a new home...with appreciation, it might even buy a better one. This may not be the norm, but plenty of people do it.

We have gotten so used to borrowing, it is so easy, that we never get ahead. I wouldn't say that the Lord counts this as "sin", but I know that that being free from debt is almost as liberating as being set free from sin.
---Donna66 on 8/14/09


Someone please give us a verse in the New Testament that says we are supposed to live debt-free because I missed it. I have never heard of such an idea. If that were true, then no one would ever own their own house.
---WaPa on 8/13/09


If we are waiting on the Lord to provide all our needs...How would we get in debt in the first place?
---kevin on 8/10/09

God has supplied all of our needs - air, water, food, clothing, and shelter. He gives us the materials to make our clothes and shelter, the food by way of crops and animals. Then God gives us the ability to work so that we can buy those items we need.
---Gary on 8/11/09




Kevin -- Good question! Could it be that God knows what we really need? And we know mainly what we "want"... and don't want to wait any time for it. Then we expect God to perform a miracle so we can pay our debts!
---Donna66 on 8/10/09


If we are waiting on the Lord to provide all our needs...How would we get in debt in the first place?
---kevin on 8/10/09


"Should Christians become debt-free?" Yes.

"The rich rule over the poor, and the borrower is servant to the lender." (Prov.22:7)
Bible in Basic English:
"The man of wealth has rule over the poor, and he who gets into debt is a servant to his creditor."
---josef on 8/10/09


It's funny how years ago couples actually saved money for cars and sometimes for homes. And the mother stayed home to take care of the children. But, they can't do it today. Could it be because couples want more than they should have?
---SusieB on 8/7/09


For the last half century, at least, Americans have been conditioned to believe (by advertising and peer pressure) that if you want something, you should be able to get it... That somehow you "deserve" it!
Easy credit has made this possible.

Every year, there's more "stuff" to buy, people need more "stuff" but they don't necessarily have more money. It's true of everybody from the teenager to the CEO of a major corporation. Christians have been no exception. Wonder why our present mess?

Before that, people did without until they saved the money to buy things. In an emergency, they might borrow from the merchant or the local bank. But NOBODY wanted to be in debt! Think we'll ever return to that?!
---Donna66 on 8/7/09




Yes. We will be judged for everything that we did on this earth.
---amand6348 on 8/7/09


"They SHOULD BE debt free except a car payment and mortgage."

So I guess a couple hundred thousand bucks owed to the bank isn't really debt? How silly. This is like saying that I will be fasting for a week, I won't be eating anything except breakfast and dinner.
---ralph7477 on 8/7/09


You would be amazed how easy it is to REMAIN debt free, once you get there. The money you SAVE when you pay NO interest on credit cards, OR car loans, OR mortgages!!!

Buy one car for cash and save every month the amount of a car payment--you'll be able to pay cash for the next one. And you'll be paying only the cost of the car, nothing else.

The same is true with a mortgage. With determination, working two jobs for awhile and scrimping on everyday expenses, you may be able to pay it off in a few years. People do this! Maybe you'll buy the next house for cash. It's not easy but in many cases, it can be done.

About half of credit card purchases are impulsive. Procrastinate and save money. It feels wonderful to be debt free.
---Donna66 on 8/6/09


Absolutely! It is written Romans 13:8 "Owe no man anything but the debt of Love" God does not want his people to be enslaved or indebted to the nations (lending agaencies), but to one another with love. Being in debt oppresses the person and it is of the world. In Deuteronomy it is written that we should lend to nations but not borrow, that we should be the head and the tail. When you are in debt you are also behind financially.
God's word says that "My God shall supply all your needs according to his riches in glory." So I believe that if we are in debt, he will forgive us and help us to become debt free.
---Ruthie on 8/6/09


if christians cannot be debt free then they can minimize their debt.

to minimize debt, you can eliminate unnecessary expenses but not falling into status like luxury cars or multi million homes.

but if there is an emergency, like hospital bills, then that cannot be avoided.
---mike on 8/6/09


Become debt-free? They SHOULD BE debt free except a car payment and mortgage. NO Credit Card debt should exist in a Christians's life. That means you are buying things you can't afford, so you put them on a credit card.

I know this sounds ironic because you buy a car but don't have the $20,000 cash. But that's different. Who can save $20,000 in cash to buy a car? Even if it's used, it's like $12,000 to 14,000 for one that doesn't need many repairs.
---anon on 8/6/09


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