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It is time to declare war on your debt and build towards a brighter tomorrow!

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Debt is a major problem. Besides leaving many feeling overwhelmed, it leads to stress. If you have debt, your cash flow will be severely depleted.

The knock on effect is that many are left with more month than money, making it difficult to even make ends meet and even put food on the table. This leads to strained family relationships.

Many try and escape debt and end up wrecking their lives with substance abuse. Added to this, debt has a way of knocking you down. So many who are left in debt over time forget how to enjoy life. They just are doing their best to survive the pressures, and slowly by surely, they let go of their dreams and future ambitions, as debt slowly squeezes the life out of them.  

Debt also stops many from ever being able to ever attain a level of financial freedom, as there is no extra money to save.

King Solomon told us that, “The rich rules over the poor, and the borrower is the slave of the lender.” (Proverbs 22:7)

The latest debt statistics

  • America’s national debt has surpassed $30 trillion for the first time.
  • Global debt reached $226 trillion at the end of 2021, seeing the biggest one-year increase since World War II.
  • The World Bank has estimated that almost 97 million people have been pushed into extreme poverty as a result of the pandemic.

Face your debts

Debt causes stress, heartache and pain.

I am sick and tired of seeing so many living overwhelmed by debt, seeing families ruined by poor money management.

You may be living beyond your cash flow means. You may be eroding your ability to build wealth due to reckless spending. You may be handling your money poorly. You may have a serious money problem. You need to face it and do something about your problem. If you ignore it, it can have huge financial implications in the future.

Face your debt. Look it square in the eyes. Enough is enough! It is time to get mad at your debt! It is time for you to declare war on your debt! It is time to break the old cycle. It is your time to build towards financial freedom.

Albert Einstein said that the definition of insanity is “doing the same thing the same way expecting different results”

You cannot do the same thing the same way and expect a different result. Something needs to change!

Dave Ramsey said “If you want something you have never had, you’ll need to do something you’ve never done!”

Today I want to encourage you to face your problem. Admit to yourself that you have a debt problem, and then make a determined decision to do something differently.

It is time to declare war on your debt

If you will change, everything will change. If you have a financial problem, face it!

If you want to change your current situation, you need to be prepared to possibly change your habits.

You may be living in survival mode, just desperately trying to keep your head above water.

There is another way. You can let go of your old way of doing things, that aren’t working, and you can set up a new strategy that can lead you out of debt, and onwards towards a fruitful financial future.

With God’s help, you can solve your problems.

David told us that in his time of distress, “I prayed to the Lord, and he answered me. He set me free from all my fears.” (Psalm 34:4)

He also said, “Even strong young lions sometimes go hungry, but those who trust in the Lord will lack no good thing.” (Psalm 34:40

David also made this observation of those who look to God for help, “Once I was young, and now I am old. Yet I have never seen the godly abandoned or their children begging for bread. (Psalm 37:25)

I believe that with GOD’s HELP, a PLAN, and some DISCIPLINE, you can break the debt cycle and build towards a fruitful financial future. 

It is time to declare war on your debt, and it is time to once again dare to dream. 

Many manage their money the wrong way around

The average person will spend, spend, spend and take on debt. While they may aim to build up their savings and give to God, the problem is that often do not have any money left over to invest, let alone give to God.

You need to manage your money the right way around. You need to get your priorities in the right order, and put first things first.


  1. Put God first, you will always honor God by giving before you spend.

“Honor the Lord with your wealth, with the first fruits of all your crops; then your barns will be filled to overflowing, and your vats will brim over with new wine.” (Proverbs 3:9-10)

  1. Save before your spend. You can then spend the rest, knowing that because your invested first, you will always build wealth

“The wise man saves for the future, but the foolish man spends whatever he gets.” (Proverbs 21:20)

  1. Live on the rest. Settle your debts. Don’t take on more debt. Live within your means.

“I have learned the secret of being content in any and every situation.”(Philippians 4:12)

Get your financial priorities in order

Manage your money well.

Imagine if you had no debt repayments to make. Wouldn’t your lifestyle improve? Wouldn’t your joy levels rise?.

If you want, you can stay in debt. You can keep spending. You can live stressed out.

Alternatively, you can choose a better way. You can declare war on your debt and get manage your money in the right order.

Think about how crazy the debt concept is. We have been suckered into a lie that having access to loans and credit is wonderful.

We think it is our money and that it brings freedom. Yet I see rising debt levels causing so much pain and stress. The sad truth is that access to credit often leads to unmanageable debt, that erodes your cash flow, steals your joy and complicates life. Debt doesn’t bring “real” freedom, it causes “real” bondage for many!

“The wicked borrow and do not repay, but the righteous give generously.” (Psalm 37:21)

Do you see the problem with debt? It doesn’t bring freedom. It brings bondage.

It is time to break the debt cycle

You can say no to debt. You can set up a strategy to break the debt cycle

Many buy things they don’t need, with money they don’t have, just to impress people that they don’t even like! 

Proverbs 14:16: “The wise are cautious and avoid danger; fools plunge ahead with reckless confidence.”

Before you go deeper into debt, and end up spending money you cannot afford, ask yourself…

Is it worth it?

Do I really need it?

Can it wait?

Can I afford it?

Unmanageable debt causes a lot of stress. I’ve heard too many sad stories of marriages falling apart, and toxic home life brought on my financial pressures of debt. No wonder some say that debt is like a “financial cancer”. If you don’t get it treated early, it could have severe consequences.

Set up a debt destroying strategy. Get disciplined. Get determined. You can break the debt cycle. Enough is enough!

Why don’t you…

Set up a budget.

Track your spending.

Cut wasteful expenditure.

Attack your debt!

I want to encourage you to get your financial priorities in order. Put first things first!

What are you waiting for?

Where are you at present? 

Where would you like to be? 

Set up a strategy to get from where you are, to where you want to be.

It is time to declare war on your debt.

It is time to rise up and to attempt great things.

Dream. Plan. Enough is enough. Declare war on your debt! Get determined to break the debt cycle!

Make wise choices. Put first things first. Not only can you wipe out your debt, but you can build towards financial freedom.

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One Comment

  1. Hi there, this is so true.. I see this in my family, no planning, budgeting, so by the 10th of the month they have nothing, no money no food. Then the cycle of borrowing starts, taking food till month end. Same cycle, month end comes, spending buying unnessary items.. And guess what happens again? I tried to talk and advise… I’ve been implementing some of the strategies must say I’m relaxed at month end. I live by what I can afford. No stress to pay this one and that one. Manage to save as well, after giving to God first. All works out well!
    A debt free life can definitely be achieved!! By God’s Grace and putting our actions to keeping to the monthly budget.

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