Sometimes it’s just a matter of keeping a budget. In the least, you can write down your monthly expenses to see where some of your spending might not be necessary or important. There are rock-solid Christian financial counselors available who are ready to help you today. Just give them a call. That is their calling; to help believers make sense of their financial mess and to help them learn how to sort it all out. The Bible tells us that “in an abundance of counselors there is safety” (Prov 11:14).
Ask for Help
If you owe money to some of your debtors, there’s nothing wrong with asking them to structure your payments over a period of time. That’s what I did. Years ago, I got way behind in my gas and electric bills because I was unemployed for about three months, and since I was young and hadn’t paid enough into unemployment for the state to allow me some help, I had to mow lawns, pick up trash, trim trees, clean out gutters, and unclog sewer lines. Whatever I could find to do, I did it. Even those things that most people didn’t want to do. I ask people for help by allowing me to work for them to pay some of my debtors off, and my utility company divided what I owed them and spread it out over six months. James says, “You do not have because you do not ask” (James 4:2b). It costs nothing to ask for help.