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Couples, stop fighting about money! Disputes will arise in your marriage that you attribute to money. But, you know it’s never about money, it’s about lifestyle choices that lead to spending. If you follow this dispute resolution process, by God’s grace, you will stop fighting about money.
https://www.managinggodsmoney.com/wordpress/stop-fighting-about-money/

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Newlyweds and debt can be a bad combination. Over the past 21 years I have given so-called financial counselling to many engaged couples. “So-called” because it’s never finances but lifestyle choices that lead to money challenges. Usually, at least one of these guys and girls has over $40,000 student loans and credit card debt combined. Typical for 50% of these couples, one has no debt. And almost 100% of them have not discussed their attitudes and approaches to handling money with the other. Generally, they ask me three questions: ...
https://www.managinggodsmoney.com/wordpress/newlyweds-and-debt/

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Interest rates are low, real low, and they will go up. Do you know how a 0.5% increase would affect your lifestyle? Start paying a 0.5% increase against your debt monthly so you can get in the habit of living on less from now. If not the full amount, at least a portion of 0.5% ... but do it consistently. You can do it by the grace of God!
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Probably you heard tips to improve your credit score. Many folks will give different advice about what to do, how to spend, and so on. The credit score is the wrong thing to focus on. It's a result of your decisions.

You must ignore your credit score ... yes, ignore your credit score, and ensure you have a decision process to help you to become and stay debt free. Review this -- https://www.managinggodsmoney.com/essentialtools/affordability.php -- Affordafility Index tool. Try to develop the habit of running your sending decsions through it before you implement them. Let me know what yu think.

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While you save your currency it's also wise to consider what happens to it as it sits in the bank.

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One important key to getting out of debt is to identify variables to manage in the journey. The temptation is to listen to folks telling you to refinance, get a second mortgage to pay off the credit card, and look for tips to improve your credit score.

My recent google search produced almost 41 million hits for "how to build your credit score"; while "behaviour change to get out of debt" yielded six million. Clearly, more people are interested in building and rebuilding credit scores. These folks forget the basic equation: a+b=c: Attitude and behaviour produces consequences. Debt is a consequences of attitude and behaviour ... our decisions.

To be sure, some decisions seem inevitable, but as followers of the Messiah, we need to take everything to Him, and depend on Him as we seek first His kingdom and righteousness. So, the variable to manage is our attitude (what we believe) which leads to how we behave. In these times it's essential we recall Jesus' promise never to leave us; but most of all, recall that He knows exactly whats going on.

As James tells us in James chapter one, we must cunt it all joy when we face trials. This isn't easy, but we can look for Messiah in our trails and cling to Him (Psalm 23).

May His perfect peace be with you.
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Often folks forget that the most "expensive" cost of debt isn't the interest cost, but the emotional cost of the individual and family. It's a huge burden that only Messiah Jesus can lift. And He will, when you go to Him with a contrite heart willing to seek His best.
Call and He will answer; know He will never leave or forsake you. Amen!
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Many Christian's pray for financial miracles to get out of debt. They forget that money doesn't sole behavioural problems. Let's remember that God wants to get us through challenges so we can grow, but we want to just get out.
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Do you ever pray for a financial miracle?

Praying for a financial miracle tells God the results you want, which suggests your solution is best. Yet, only He knows the future. To learn humility, dependence, sharing, caring or other trait, you might be better off without your solution. After my wife reflected on her bad car accident, she learned:

1. God did not cause the accident, but He allowed it.
2. He wasn’t ready to bring her home.
3. God wanted her to learn from this accident.

Before the accident, many tasks occupied her, including finishing a degree at Briercrest Bible College; she needed to slow down. She heard, thanked God for His love, and slowed down.

When you ask for a financial miracle, you take your eyes off God and His message in the broken down car, washing machine, or other item. It is like giving your sick five-year-old child, candy because she asks for candy, rather than giving her the prescribed medicine. You would never do this, yet this is what you expect from God.
Your heavenly Father wants you to bring your needs to Him. The need is not money but stuff like food, clothing, shelter, or transport. Besides, you must understand that to grow closer to Jesus, you need to bear results of poor decisions, and the effects of your disobedience.
Don’t put Jesus in a box. Rather, expect Him to treat you much better than you would treat your five-year-old child or grandchild. In John 14:14, Jesus said, you may ask Him for anything in His name, and He will do it. Ask Him to give you what He knows is best for you.
When you think you need to borrow to buy a needed item or service, stop, ask God to show you if you are working His goal or yours. Recall David’s words in Psalm 18:30, ask Jesus to help you understand His plan to reach His goal. David said,”As for God, his way is blameless; the word of the Lord is tried; He is a shield to all who take refuge in him.”
Not enough funds might be God telling you to turn away from what you are doing and do what He wants done. Then again, it might be the results of your poor choices, so you need to live with and learn from your condition. Often, folks will tell you to “rise above your circumstances”; don’t, you need them to grow, but you need Jesus’ help to walk through them.
These days, society defines results of many sinful actions as medical conditions—gluttony is sinful, obesity is the result; spending God’s money wastefully to feel good is sinful, debt is the result. As well, society encourages deflection speech to remove responsibility for actions. Folks blame parents, teachers, siblings, merchants,
Governments, and others for different behaviours. Have you noticed? Many say they don’t have time, a silly deflection meaning they have not performed well in available time—they failed to work with right priorities. Then again, some folks borrow to buy stuff, fall deep in debt, blame merchants, and then pray for a financial miracle. They want God to give them money to pay off their debts. They don’t want to deal with behaviour issues.
God is gracious and merciful, but He is just. Why should He give you money to allow you to continue bad practices? He loves you too much to give you your financial miracle; instead, He will be with you to help you learn from your circumstances.

Excerpts from chapter 5 of The New Managing God's Money-The Basics
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I have written about becoming debt free, and staying debt free often. Each time I try to add something that might be more helpful than before. So when I see a different path that worked well for an individual, I share it excitedly. My prayer is that this current approach to becoming debt free, though ...
http://www.managinggodsmoney.com/wordpress/becoming-debt-free/
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