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Christians & Debt / God & Mammon

Well, your topic has been very refreshing and somthing IMO that needs to be said for sure :yes

I hope that I don't side rail your topic, and if I do, please let me know and we can start a new one.

But anyway, I don't make a lot of cash, although we do well for ourselves, but even when I was a roofer I noticed that we were living better than some of our friends who made literally three times the amount we made. When they filed bankruptcy, and then lost their houses (before the recent crash) while still having their jobs, well, I just couldn't grasp it.

I don't understand this need to have everything now, but it sure drives financing doesn't it. Years ago I bought an 42" LCD w/ a blue ray player and a complete surround sound system and I paid cash for every piece of it from some over time I had put in. My son said, "I've got a 50" and I replied, "But mine is paid for". A year later he filed bankruptcy. It makes me sick. We taught him better than that, but the lure to have everything now was to much of a temptation. Reminds me of drugs in a way.

When I was younger, you couldn't get the credit that was recently accessable to people who shouldn't have gotten that much credit. But not only that, but it's just insane to pay that much interest on such a small purchase.

I get the idea that credit was so loose, people forgot the value of a dollar.

Sorry for the ramble :sad

It's truly a sad reality and lenders realize and promote saying we need this and we need that. They along with advertizers and producers get rich while the consumer becomes an unwitting slave to the system. Unfortunately, many of us as consumers have bought into what I call the deception of advertising.

My wife and I were talking about how 12 years ago before we were married, neither of us had a cell phone. Now we each have one and with kids (who are too young to drive or work) share a family plan that costs us upwards of $200.oo per month at times. We lived in separate apartments with separte bills, but were able to save more it seemed making far less than we do now despite the fact that we share bills today. It sounds funny, but it is really sad how we, CHRISTIANS so often go along with what the world promotes as necessary like cell phones, Ipads, 3D TV, 200 + channel satellite TV. satellite radio, etc., etc. While there is nothing or very little wrong with these things in and of themselves, our NEED to acquire these luxuries costs us time and money. The literally $100's of dollars more each we spend on these things means we must work more to earn more and it takes away funds that we could be using to bless others. Don't get me wrong, there is nothing wrong with enjoying the things God blesses us with, but in all we do in word or deed (including how we spend GOD's money), we must do so remembering that we are christians!
 
I hear ya TNT (don't mind if I nick name ya that do ya?)

It amazes me how skewed our wants and needs have become. I think that has a lot to do with what you've stated about advertising and loose credit availability and your right, our nation has become slaves to this ideology. This addiction to "needs" which seems to me boarders on entitlement. I hear it in advertising so often, "You deserve it". What? No you dont! :grumpy

yada yada yada. I've been blessed in so many ways. I have not had a car payment since around 2002 or so and we finally paid of our house. When I graduated from College, I graduated debt free. Meantime many of my friends have the latest gadgets, the newest pc's or much nicer cars than I (Except my Camaro, which was/is pay as you go). But in the grans scheme of things, if something happens, like the loss of my job, or something as simple as my car breaks down, I'm covered.

Speaking of cars, we paid cash for our last used car 7 years ago and I'm sure I'll be due next year for a "new" used car which we'll also pay cash for. How do you do this on a tight budget? Well, once you get your car loan paid off, take that money and stick it in the bank. Too often people get something paid off and they just aquire new debt somewhere else. Don't do that! Stick it in the bank and let it grow and drive your car into the ground till it just won't go anymore. I'm not saying don't take good care of your car. Take excellent care of your car and without a car payment, you should be able to pay cash for any repair. Years later, you have money in the bank to buy a used car with cash out right. It's all about discipline and not giving into the urge of "needing" a new car.
 
Ok, perhaps for people reading through this thread who want to keep out of debt but must move out on their own today, what would be the advice? Maybe some of you guys can list a long line of tips for people to avoid debt, but still be on their own? I suppose it may not be the most comfortable scenario, but roomates to have a low cost of living? Although it could be a little risky if you get some bad apples.
 
Ok, perhaps for people reading through this thread who want to keep out of debt but must move out on their own today, what would be the advice? Maybe some of you guys can list a long line of tips for people to avoid debt, but still be on their own? I suppose it may not be the most comfortable scenario, but roomates to have a low cost of living? Although it could be a little risky if you get some bad apples.

From my experience, a great place to start would be by educating themselves and developing the belief that they can do it. A good roadmap is Dave Ramsey's book called The Total Money Makeover.
The Total Money Makeover Book
 
To be financially responsible and healthy, one needs to tithe--which requires a complete trust in God as provider of all things. He has made promises that He is good for to those who step out in faith and tithe to Him.
 
To be financially responsible and healthy, one needs to tithe--which requires a complete trust in God as provider of all things. He has made promises that He is good for to those who step out in faith and tithe to Him.

I hope yer not talking about the 10% thingee.....?....?....?

16:1 Now concerning the collection for the saints, as I have given order
to the churches of Galatia, even so do ye.
16:2 Upon the first day of the week let every one of you lay by him in
store, as God hath prospered him, that there be no gatherings when
I come.

 
I hope yer not talking about the 10% thingee.....?....?....?

16:1 Now concerning the collection for the saints, as I have given order
to the churches of Galatia, even so do ye.
16:2 Upon the first day of the week let every one of you lay by him in
store, as God hath prospered him, that there be no gatherings when
I come.


You are talking offerings. Tithing is something else.
 
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