The Balancing Dance

July 29, 2008

There can be various reasons why you may want to get out of debt. You may want to do it because you are tired of being being owned by credit cards, or because you want to give your family a better life. Perhaps you have a multitude of reasons.

As for myself, I want to get out of debt because I am tired. Tired of arguing about money. Tired of Worrying about money. My motives are pure – but I still need to be cautious to have a balance in my money walk.

What is there to balance?

I’m not talking about balancing my checkbook or even balancing my budget. Those things are essential to making my family’s debt-free dream a reality. The balancing that I need to be cautious of comes in three forms: my LORD, my family, and myself.

Balance with my LORD

If I do not live my life in balance with my LORD, all my debt-reduction efforts are dung. Cutting back my lifestyle, cutting out splurges and cutting off unnecessary spending cannot get in the way of my service to The LORD. I must continue to tithe my money to helping the church. I need to make an offering of my time and talents to CHRIST JESUS first. Throwing everything I got at my debt cannot include throwing my relationship with CHRIST JESUS out. Ultimately I know that HE will ” supply all {my} need according to HIS riches…” (Philippians 4:19, emphasis mine)

Balancing my family

I agree that any/all debt-reduction efforts must be a family work. However, I cannot allow every moment of my time be so consumed that I neglect my husband and two sons. By working together to annihilate our debt, I can still spend time with them. I also must take time to just love on them with one-on-one time. There must be time to play, laugh, and enjoy the time I have with them.


Let me guess: you have realized that you have debt. Most Americans due, but that does not make it a normal thing by any means. You know you have debt because there is more month than money, you can’t ever seem to “get ahead”, or that big minus sign in your bank account tells you so. It doesn’t matter how that you came to the realization that you have debt, it only matters that you do realize that you have debt and that you actually would like to get out of debt.

Checking Your Supplies

I point to Dave Ramsey as the source for the following advice: “put it on paper on purpose”. Use a spreadsheet program of your choice, or just a pad of paper and a pencil. The idea here is to know exactly how much income that you have coming into your house. Use your net income.

In addition to income, its time to see what you have packed into your wagon. Are there items that you could sell to lighten up your debt load? Evaluate carefully what you could sell, and the profit from that sell. Include this income on paper, and commit yourself to a deadline by which you will have posted the item for sell, or to have your yard sell.

Plan Your Trip

If you were going to take a huge trip across country, you would probably make a plan for your trip. Getting to the Land of Better Money Days is going to take preperation as well.  Just as one individual is different from another, every person’s money plan will be different from anothers. Make a plan. Make the plan realistic, though.

Know the dangers

Getting out of debt does have dangers: they are called tempations and lack of responisbility. Be firm when temptations come – remember where you really want to go (Debt-free-opia) and stay AWAY from things that try to stir you from that directions. Others may try to get you to splurge on something, but remember that just one little splurge will default your debt-free efforts. Be responisble. If you are wanting to get yourself (and family) out of the valley of debt, you must be responsible with your decisions. Don’t be a five year old and want, want, want. Disciple yourself, delay pleasure – be an adult.

Get Started NOW

Don’t put it off any longer. If you want to get to the land of Better Money Situations, start today. Any procrastinating, any excuses – are not going to produce real results. Start TODAY!!!

Open your checkbook up, and look at the check record.

Cable Bill.
Electric Bill
Gas Bill.
That large Warehouse store that sells everything.

Is GOD in there?

I am not talking a literal check written out to GOD. HE owns the cattle on a thousand hills, so what would HE need with our meager pocket change? I am talking about giving to the things of GOD.

I’ll be blunt. As Christians, we should be tithing. We need to be tithing. I will not go into a long novella as to the plethora of reasons why we should tithe. I will refer you to Bible Money Matters. Pete has written two very good posts on the reasons for tithing: The Bible and Tithing: To give or not to give, Part One, and Part Two.

I will say that tithing supports your minister(s), Sunday School, Youth Programs and Outreaches for the Afflicted.

Large Ministry Support

There are many Biblically sound and Financially responsible ministries that could greatly benefit from the charitable giving of Christians. I heard a statistic recently that Christian people donate less than 3% of their income toward Charity. In a society where finding anything decent on television or radio is a rarity, Christians can best influence the media by giving toward a ministry that challenges others to be in GOD’s Word. Don’t be embarrassed if all that you can donate is $10 a month. There is not a single Biblically based ministry out there that would not take that $120 a year to help broadcast the Truth of God’s Word to the masses.

Local Evangelical Ministry Giving

Call a couple of local churches, food kitchens, or Associational Directors, and odds are that you will find many small local ministries that are desperate for even $10 a month. Donations such as clothes, canned food and service are always appreciated, too. The Local Evangelical Ministries are often the unrecognized – they minister to our neighbors, to our communities and to our hometowns. Big City and Little Suburb alike, these little ministries need a place in your checkbook as well.

How about you? What’s in your checkbook? Could you take the $5 or $10 you waste on candy bars a month and send to a ministry? Are you tithing – giving as it has been given unto you?

A wise friend once reminded me that our money isn’t ours anyways – GOD has just loaned it to us to be good stewards with it, and to use it toward HIS glory.