I have had a history of being a very good money manager. I used to pay off my credit balance every time I was billed. Then I had a period of time when I didn’t work and although I had some savings it quickly ran out. As a result of being unemployed I started to accumulate debt. I became angry and stressed because I had never been in debt before. It wasn’t out of control but I didn’t like it.

Soon God gave me favor and I was able to transfer all of my debt to 0% interest accounts but I still wasn’t happy because I don’t like being in debt. In Proverbs 22:7 it says. “The rich rules over the poor and the borrower is a slave to the lender.” I don’t like being a slave to anyone much less someone I don’t know that sends me those irritating bills on a monthly basis.

I started thinking about this recently because of a situation my daughter is in and I realized that I am more content with less things and no bills than I am with more things and increasing debt.

As I whittle away at my debt I have become careful not to let my eye for style and fashion get the best of me. I do intend to do some redecorating this year but I am going to make sure I comparison shop and bargain hunt before I buy anything. The new couches I so want may have to wait until next year as well as new flooring for my lower level of my house.

My goal is to get entirely out of credit card debt by the end of the year. I hope that God will bless me in that way. As I do this I know that my children will look to me again for help with their college tuition and expenses. I am the one that they always go to because I have been blessed with the awareness that debt is a slave master.

Over the past year I have made a choice. I would rather be a servant of God than a slave to debt. There is a difference and that difference is vast.