MORE OPTIONS

Life is about making choices. We will have to make decisions whether we want to or not. Making the right decision is always the challenge. Having options available is the key. So many people have burdened themselves with their poor decisions. Decisions have consequences. So many people do not understand that they live in a world of cause and effect. Their decisions will have results.

We make financial decisions all the time. Our view of money is determined by our value system. We live in a nation where death is prized more than life. Abortion and homosexuality are physical death. They are first and foremost spiritual death. Debt is financial death. Debt leads to bankruptcy and poverty. It is a state of want. Debt is based upon the unearned. It is seeing something with your physical eyes and coveting it without the immediate means to pay for it. This is death to an individual’s future. It is the mentality of a slave. Slavery is death to freedom and independent judgment.

When you are in debt, you own nothing. You only own what you have paid for. The way to handle your financial situation is learning contentment. Contentment is a spiritual attitude of being satisfied with one’s present condition. When someone is content, their goal and decisions will be not to live beyond one’s means. The only way to rein in your financial situation is by establishing a budget. A budget categorizes your means (income) and your expenditures. A budget provides you with objective financial information. The numbers are the numbers.

Staying out of debt gives you more options. Your income is not all spoken for. You can invest money in a new opportunity. You can go out and eat at your favorite restaurant without having to worry about what to order. You can put more money in savings. You can increase your children’s allowance. You can start a part time business and potentially work to where it is a full time business. The options could go on and on.

Proverbs 22:7 is true, "...the borrower is servant (slave) to the lender." Lending money is a lucrative business. Being able to lend money means that the lender has excess capital to loan. To be able to lend means that some point the lender has been frugal in his business dealings. Remember it is better to be a lender than a borrower. It will definitely give you more options and having more option is a good thing.