Avoid Using Credit

Roman 13:8 "Owe no one anything except to love one another..."

I am not saying that borrowing is sin, but in some instances it disallows God the opportunity to work for us. Also if you are spending above your means, your debt-end can be financial bondage. Proverb 22:7 states "that the borrower is servant to the lender...". I have five tips to assist you with avoiding using credit:

1. Remove all credit cards from your wallet/purse and only carry a Debit/ATM card.
2. Set aside the money (cash) that you have available to spend and when it's gone... the spending stops. Oprah's suggests creating a monthly spending plan, where you will know and see your limits. Here's a link to the free spending plan: http://static.oprah.com/download/pdfs/money/money_spending_plan.pdf
3. Put aside or save for purchases you can't afford now. 9 out of 10 times, it will be on sale by the time you are ready to buy.
4. When feeling down or depressed (ladies) avoid going window shopping or browsing the malls, especially when you don't have money to spend at the mall. You can get in debt-trouble or even get more depressed when you see things you want and can't buy.
5. When the temptation arise to use credit, ask yourself this question: Do I want to fulfill my personal gratification today and borrow resources from my future, my family future...?