Facing the Giant of MoneyПримерок
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Reduce your debt
‘The borrower is servant to the lender.’ Proverbs 22:7 NLT
Albert Einstein believed the Rule of 72 (the compounding of interest) was a more important discovery than his theory of relativity. Here’s the rule: divide 72 by the interest rate of your savings to discover the number of years in which your savings will double. For instance, one thousand pounds saved at 6 per cent annual interest becomes two thousand pounds in twelve years. But credit card issuers also know the Rule of 72. For example, if you make a one-thousand-pound purchase on your credit card at 18 per cent interest and don’t pay it off, that balance becomes two thousand pounds in just four years. Instead of earning you money, your one thousand pounds is earning huge profits for the credit card company.
The Bible says, ‘Just as the rich rule the poor, so the borrower is servant to the lender.’ Have you any idea how many marriages are in trouble, or how many people are on medication because they’re drowning in debt? God doesn’t want you to live that way. When God made the world, He established this rule: ‘While the earth remains, seed time and harvest...shall not cease’ (Genesis 8:22 NKJV). If you want a harvest when you need it, you must sow – even when you don’t feel like it. When you sow a single tomato seed you’ll get back many more in return – it’s only a matter of time.
So reduce your debt and be a good steward of the funds God has entrusted to you. Then you can stand on this promise: ‘My God shall supply all your need according to his riches in glory by Christ Jesus’ (Philippians 4:19 KJV).
Prayer Point:
Lord, the advertising world tells me there are things 'I can’t do without'. It’s difficult, in an instant society, to wait for the things I want, especially when everyone else seems to have them, but help me to do this when necessary. Let me be content with what You have given me, knowing that it’s Your blessing that makes me rich. Amen.
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Whatever our financial situation, we can all struggle with how best to use our money. But thankfully, God offers us wisdom in His Word, and He can help us manage our money in ways that honour Him. Join UCB for this 30-day devotional on how to trust God with our finances.
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