Read Proverbs 22:7. In what sense are we under bondage to the lender?

What can be done to escape from this unfortunate phenomenon? If you are in debt, the following outline will help you begin a debt-elimination process. The plan is simple. It has a premise and three steps.

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The premise is a commitment to God to be faithful in returning His holy tithe to access His wisdom and blessing. He is eager to bless those who obey Him.

Step one is to declare a moratorium on additional debt: no more credit spending. If you don’t borrow money, you can’t get into debt. If you don’t borrow any more money, you can’t get further into debt.

Step two is to make a covenant with God that from this point on, as He blesses, you will pay off your debts as quickly as possible. When God blesses you financially, use the money to reduce debt — not to purchase more things. This step is probably the most crucial. When most folks receive unexpected money, they simply spend it. Don’t; instead, apply it to your debt-reduction plan.

Step three is the hands-on practical part. Make a list of all your debts, from the largest to the smallest, in descending order. For most families the home mortgage is at the top of the list, and a credit card or personal debt is at the bottom. Begin by making at least the minimum payment due on each of your debts on a monthly basis. Next, double up or increase your payments in any way you can on the debt on the bottom of the list. You’ll be happily surprised how quickly you can eliminate that smallest debt. Then use the money that you were paying on the bottom debt to add to the basic payment on the next debt as you work your way up the list. As you eliminate your smaller high-interest debts, you’ll free up a surprising amount of money to place on the next-higher debts.

God clearly doesn’t want us in debt. Once the covenant is made, many families find that God blesses them in unexpected ways, and the debt is reduced faster than they had anticipated. By following these three simple steps, many families have become debt-free. You can, too! By putting God first, you’ll receive His wisdom and blessing for managing what He has entrusted to you.

<–Monday Wednesday–>

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Source: https://ssnet.org/blog/tuesday-how-to-get-out-of-debt/

“MANAGING FOR THE MASTER Till He Comes” will show us that 
God Is Working His Purpose Out – Hymn 225 in all our we do and say. May we be encouraged by this hymn for this quarter and that 
In Our Work And In Our Play – Hymn 591 we will work until Jesus comes. Hence, a choice of theme hymns for this quarter.

The monetary debts of this world can be very serious for each of us, but the sins of this world give us a mightier debt. Thankfully, 
Jesus Paid It All – Hymn 184 for each of us who request this of our dear Saviour.

On “Following Godly Counsel” I pray 
O Brother, Be Faithful – 602 because 
Faith Is The Victory – Hymn 608. It is here, to our Gracious God, that 
The Wise May Bring Their Learning – 638.

To get out of our debt, “the premise is a commitment to God”: 
Hymn 634 – Come, All Christians, Be Committed, so then 
Give Of Your Best To The Master – Hymn 572. This is something we each may do because we 
Have a Diligent And Grateful Heart – Hymn 639.

We are reminded on Thursday “that the Lord cares” just as does 
Hymn 99 – God Will Take Care Of You.

Today, and every day, we look forward to Jesus coming again. Oh, what a day that will be 
When We All Get To Heaven – Hymn 633 because 
That Glorious Day Is Coming – Hymn 209.

To learn unknown hymns, you will find the accompaniment music for each one at: https://sdahymnals.com/Hymnal/

Another great resource is for when there is a hymn you wish to sing but can’t find it in your hymnal. Go to https://www.sdahymnal.org/Search and in the search bar type a special word in that is in the hymn. I am sure you will be amazed at the help you will be given.

 2 Timothy 2:15 KJV – “Study to shew thyself approved unto God, a workman that needeth not to be ashamed, rightly dividing the word of truth.”

Amen!(2)

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Source: https://ssnet.org/blog/5-dealing-with-debt-singing-with-inspiration/

We are material beings, and we live in a material world, a world that, at times, can be very alluring. You’d have to be made out of steel and synthetic oil, not flesh and blood, not to feel, at times, the lure of material possessions and the desire for wealth. At one time or another, who hasn’t fantasized about being rich or winning the lottery?

Though we all face it, and there is nothing wrong in and of itself in working hard to earn a good living or even being wealthy, none of us has to succumb to the trap of making idols out of money, wealth, and material possessions. We are promised divine power to stay faithful to what we know is right. This is important, because the temptation for wealth and material possessions has led to the ruin of many souls.

Read Matthew 6:24 and 1 John 2:15. Though expressed differently, what’s the common theme found in both of them?

Image © Jeff Preston at Goodsalt.com

Unfortunately, the love of the world can be so strong that people will get into debt in order — as they hope — to satisfy that love. (It never works; see Eccles. 4:8)

And because debt is one of Satan’s nets that he sets for souls, it just makes sense that God would like to see His children debt-free. He has given us counsel through the Bible and the prophetic gift that will lead us to financial freedom.

Read Psalm 50:14-15. What attitude should God’s people live with? What does it mean to “pay your vows” (NKJV)?

We enter into our church membership with praise and thanksgiving to our God, who has created and redeemed us. In point 9 (of 13) in our baptismal vows, we were asked, “Do you believe in church organization? Is it your purpose to worship God and to support the church through your tithes and offerings and by your personal effort and influence?” As Seventh-day Adventists, we all said yes. So this text (Psalm 50:14-15) is a promise to those who offer thanksgiving to God and are faithfully paying their vows.

<–Sunday Tuesday–>

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Read Deuteronomy 28:1-2, Deuteronomy 28:12. What is God’s ideal for His children regarding debt? How can they attain this ideal? And though this context is very different from ours, what principles can we take away from this context and apply to our own now?

Studies show that there are three primary reasons that people get into financial difficulty. They are listed here in the order of greatest frequency.

Image © Jeff Preston at Goodsalt.com

The first is ignorance. Many people, even the educated, are financially illiterate. They were simply never exposed to the biblical or even secular principles of money management. There is hope, however! This lesson will provide a simple outline of these principles and how to apply them.

The second reason for financial difficulties is greed, or selfishness. In response to advertising and personal desire, people simply live beyond their means. They aren’t willing to live in, drive, or wear what they can really afford. Many of these same people also feel that they are just too poor to tithe. As a consequence, they live their lives without God’s promised wisdom and blessing (see Malachi 3:10-11; Matthew 6:33). There’s hope for these people as well, but it requires a change of heart — and a spirit of contentment.

The third reason people find themselves in financial difficulty is personal misfortune. They may have experienced a serious illness without adequate health insurance. They may have been abandoned by a spendthrift marriage partner. A natural disaster may have wiped out their possessions. Or they may have been born and raised in abject poverty. There is hope for these people, too. Though their path is more difficult, their troubles can be overcome. Change may come in the support of Christian friends; the counsel and/or assistance of godly counselors; hard work coupled with a good education; and the blessing and providence of God.

Whatever the reason, even if it’s a person’s own fault, debt can be alleviated. However, those in debt will need to make some changes in their lives, their spending, and their financial priorities.

<–Sabbath Monday–>

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Source: https://ssnet.org/blog/sunday-debt-problems/

Image © Pacific Press

Sabbath Afternoon

Read for This Week’s Study: Deuteronomy 28:1-2, Deuteronomy 28:12; Matthew 6:24; 1 John 2:15; Proverbs 22:7; Proverbs 6:1-5; Deuteronomy 15:1-5.

Memory Text: “The rich rules over the poor, and the borrower is servant to the lender” (Proverbs 22:7, NKJV).

One definition of debt is “living today on what you expect to earn in the future.” Today debt seems to be a way of life, but it should not be the norm for Christians. The Bible discourages debt. In the Scriptures there are at least 26 references to debt, and all are negative. It does not say that it is a sin to borrow money, but it does talk about the often-bad consequences of doing so. When considering financial obligations, Paul counseled: “Render therefore to all their due: taxes to whom taxes are due, customs to whom customs, fear to whom fear, honor to whom honor. Owe no one anything except to love one another” (Romans 13:7-8, , NKJV).

Why is debt an almost international scourge at every level — personal, corporate, and government? Every society has always had at least a small percentage who were in debt. But today a much larger portion of the people are in debt, and it’s almost never to their benefit.

This week we will consider the reasons for debt and how to deal with it. You may be debt-free, but you can share this valuable information with family and friends who could benefit from it.

Study this week’s lesson to prepare for Sabbath, February 4.

Sunday–>

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