How do some people go through life living happy, content, debt free, and completely in control of their finances while others are living in a downward spiral of heavy debt, past due notices, and collection agencies calling every day? The answer is the debt free people have a plan and make it work. They live life content and not on a spur of the moment whim. They look for creative ways to save and put away for that rainy day.
Why make the change:
Most Americans are in debt. A HUGE number in debt. Our creator knew that we should not live in debt….in Proverbs 22:7 says….
The rich ruleth over the poor, and the borrower is servant to the lender
How true is that? Whenever you “owe” someone money, you are constantly feeling the stress and strain of paying back your lender. How much better of a scenario to have consistently saved up your money and you are able to pay cash for your purchases.
How to make the change:
As this is a simple living lifestyle challenge and the main goal is to SIMPLIFY your life, I encourage you to get rid of things. Have a garage sale, put things up for sale on Ebay, or sell things on Craigslist. Don’t be adamant about getting a certain price for things, you want to get rid of it, if someone gives you an offer take it. That money is going to help you better than the item sitting back in your basement. I grow tired of garage sales with price tags, I have to wonder if the people really want to get rid of the items or if they would rather stuff them back into their basements?!?!
Take all the money that you earned and put it towards paying off a small debt. If you are living debt free, put it towards an emergency fund or special savings. The goal is to get rid of things, make some cash and pay off a small debt. You will feel invigorated and lighter. Free from that financial burden. Plus you will rid your household of some unnecessary items.
Let’s say that you are already clutter free in your home and you still want to pay off a small debt, what can you do then? Maybe work a few extra hours each week and take the money earned and put it directly towards your debt. Become debt free and you can fulfil God’s law…….
Owe no man any thing, but to love one another: for he that loveth another hath fulfilled the law. Romans 13:8