Pray for me?

Question

Debt seems to be overwhelming in my life.
I feel harrased by creditors and others I owe.
It seems like i'm always short...Help!

Answer 1

From Galatians 3:13, you have to "know" this and you cannot be shaken -- God always shows up, never misses.

Romans 4:21, being fully convinced (he did not "hope" God will come through.

Romans 4:3-17, call into being that which does not exist.

Haggai 2:4, be strong, work, don't fear, God is with you.

Mat 19:26, with God all things are possible
Luke 1:37, for with God nothing is impossible

Phil 3:14 (NLT) receive my prize (full)
4:19 supply all of your needs

Those who honor, praise and glorify His name will get the gold

Prov 2:9, Plenty, overflow
but first you must honor God. How? with your first fruits.

Prov 10:22 believe the blessing of the Lord is on you.

Prov 28:19, He who tills his land will have plenty of food. But he who follows empty pursuits (drugs, gambling, frivolty, laziness, vain and empty pursuits), will have poverty in plenty.
A faithful man will abound in blessings.

Your words produce your thoughts and the way you think (be careful what you say -- you are listening to yourself) -- the way you think will produce the way you feel, the way you feel determines your decisions, which produces habits, which produces character, and your character brings you to your destination.

Change your words and you change the destination.

Your curse may be that you are emotionally ruled. Emotion and hurt are not supposed to rule your decisions, or you move in the wrong direction. You have been given dominion over emotion, not the other way around. No matter what, we are to walk in love.

Bet back into the Bible. Glory = manifested Word

Here's an article I found that may help

Bankrate.com
Saving when you're barely surviving
Monday August 28, 6:00 am ET
Don Taylor

Dear Dr. Don,
I am a husband and father of two young toddlers. My net pay is just enough to scrape by every two weeks. With health insurance premiums well over $400 per month, my net pay is only enough to cover the bills. Every time I set aside money, I end up having to use it all for some unforeseen expenditure, and then some with credit cards (whose balances continue to escalate). Where does one in my situation begin to save?
-- Underfunded Mike

Dear Mike,
Your question is one of the more difficult issues in personal finance. How do you work toward the future when you're having trouble getting through the week?
The key is to keep spending less than income. Easier said than done, but that doesn't mean it doesn't need to be done. Spiraling credit card balances aren't the answer. Credit cards just postpone the problem and have you spending money on finance charges that should be going toward meeting your family's needs.
Differentiate between what's necessary and what's nice in your monthly spending. Cutting out cell phones (or alternatively land lines), cable TV, dinners out, etc. brings down your monthly nut. Bankrate has a budget work sheet that you can download to put together a monthly spending plan. Talk to your employer's personnel department to see if there are ways of reducing the health-care costs while keeping family coverage. Taking advantage of flexible spending accounts to pay for medical costs with pretax dollars is one possible way of accomplishing this goal.
The other side of the equation is to increase income. Take a second job, or a third. Don't think of it as forever, just until you can get the credit card balances down and build a bit of a cash cushion. If your wife doesn't work, perhaps she should. Bankrate's "Should my spouse work, too?" calculator will help with that math.
The answers aren't easy, but you've got to ramp up income, throttle back on spending or both to get to the point where you move past paycheck-to-paycheck living and get to the point where your income is also building toward your family's future.
If you've worked through all this and still can't see a way, it's time to ask for help. Your state government might be able to help with health-care insurance for the children, for example. A Bankrate feature, "Finding help in hard times," has some other ideas, too.
To ask a question of Dr. Don, go to the "Ask the Experts" page, and select one of these topics: "financing a home," "saving & investing" or "money."

Answer 2

Send each creditor at least $5.00 (check) each month with a note inside saying you are sorry but this is all you can afford right now. Don't buy anything else unless it's food or gas for the car to get to work. Call each company (credit card or otherwise) and explain to them that you are in a really tight jam right now and aren't sure how to get out of it. Some of the Credit card companies will lower the interest rate on the card.

Answer 3

Prayers come with a strong commitment to responsibility,first towards yourself and then towards others,I can tell you that if you make $500.00 you spend 450.00 and save the rest ,a nest egg for a rainy day,focus on needs rather than wants or compulsive spending,only you can determine what,s what and do accordingly,do not use shopping as a therapy for other problems find non-financial activities to curb the impulses and you would be on your way to financial independence.good luck and you would be in my prayers,more help email me.

Answer 4

Be careful what you say . . .


Watch your thoughts, they become words.
Watch your words, they become actions.
Watch your actions, they become habit.
Watch your habits, they become character.
Watch your character, it becomes destiny.


Thoughts with wings . . .
Fly, and become things.

If it "seems" like you are always short, part of the reason is that you look at your life from a situation of inadequacy and the glass being "half-full".

Learn the spirtual laws at work.
Learn the laws of man.
And use both laws to knock SATAN down!
And finally, use the spiritual laws to refine and redefine your character!

Answer 5

Contact your creditors before they contact you. Make arrangements to pay what you can and stick with it. I've found they quit harrassing if you communicate with them. second do not be afraid of them. If you make the effort you have the control.

If they see you are making the effort you are winning the battle.

Answer 6

Happy moments, praise God.
Difficult moments, seek God.
Quiet moments, worship God
Painful moments, trust God
Every moment, thank God.

yes i will try to pray.

Answer 7

Pray that god declares you bankrupt and wipes all your debts.

Answer 8

Don't spend more than you earn.

Answer 9

Start by reading these forums and getting your life back!
http://www.creditboards.com/forums/

The answer is already on the way!

Answer 10

NO problem