DEBT CAUSES PHYSICAL PAIN

The subjective precedes the objective every time. This means that the spiritual comes before the physical. Man is made in the image of God. This image is a spiritual or ethical image. Physical pain sometimes has a spiritual source. A negative spiritual condition will result in negative emotions being demonstrated. The opposite is also true. A positive spiritual condition will be manifested by positive emotions.

Some debt is unavoidable at times. The key to staying out of debt is self control. Usually, when someone is deep in debt, it is a direct result of someone who cannot control their purchases of goods and services. Rather than being frugal, they are spendthrifts. Their spending is an emotional release. It makes them feel better about themselves because they have an inadequate personality. They have not discovered the true source of joy.

Debt is a form of death. Excessive debt leads to bankruptcy and poverty. This is a situation of financial death and ultimately of the ability to make a living. Once someone begins down the road to debt, it seems as though there is no way off. The lure of debt is the ability to get money instantaneously. The problem is that this money has to be paid back. Not paying back just debts renders the borrower a thief. This is the message of Psalm 37:21, "The wicked borroweth, and payeth not again..." Stealing is death to the soul.

Being deep in debt engenders the negative emotion of anxiety. Noah Webster’s 1828 Dictionary defines anxiety as, "Concern or solicitude respecting some event, future or uncertain, which disturbs the mind, and keeps it in a state of painful uneasiness." When someone is anxious, they are consumed by what is causing their pain. They can think of nothing else. This pain is a constant gnawing pain.

The frugal are well aware of the dangers of debt. While they may take on some debt for business purposes or a mortgage, they will try and keep this debt load at a manageable level. They will avoid excessive debt. The best situation is to be debt free. This frees the frugal from the negative emotions, especially anxiety. The frugal take the advice of Paul in Philippians 4:6, "Be careful for nothing..." The Amplified Bible renders this portion of this verse as, "Do not fret, or have anxiety about anything."

Not being in debt brings the opposite emotion of anxiety, it brings peace of mind. Those who have peace of mind can think of how to earn more money or concentrate upon other things than how they are going to pay their bills. The frugal do not suffer mental pain like those deep in debt and therefore, they will not suffer from physical pain. Being deep in debt causes unneeded stress and those under stress do not think well. It is a vicious cycle being deep in debt. The pain is not worth it. The frugal know this in advance and avoid debt as much as possible.